Lovin' Life After 50: Phoenix - Nov. 2016 by Times Media Group

Phoenix November 2016

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How to Catch a Wild Wave page 48 opinion

6 The Curmudgeon 6 Aging Today 8 The Up Side 10 Straus’ Place 12 Ask Gabby Gayle entertainment

26 Joe Bourne’s Back 26 Calendar of Events 32 Tinseltown Talks 33 Trivia Contest 34 Puzzles 35 Bingo Happenings features

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© 2016 by EOS Publishing, LLC. Lovin’ Life After 50 is a monthly publication dedicated to informing, serving and entertaining the active adults of Arizona. It is published by EOS Publishing, LLC, an Arizona limited liability company. Subscriptions are available for $24 per year or $40 for two years. Send check or money order to Lovin’ Life After 50.

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opinion The Curmudgeon It’s the little things that annoy By Drew Alexander

e’ve all had, will have, or now have some major challenge confronting us as we travel the road of life on planet Earth. Then there are those pesky little things that don’t amount to anything especially serious, but still have the power to cause at least momentary discomfort if not full-blown aggravation. Out on the street in front of my home the siren of an emergency vehicle is screaming to a fever pitch, while overhead the whop-whopwhop of helicopter blades noisily cuts through the air, making my walls shiver. A minute later, I’m hearing the hornet-like buzz of a

motorcycle speeding at full-throttle, its especially strident sound echoing for miles it seems. Later in the day, I’m attending a wedding. After the dignified ceremony, the reception is in a beautiful room where an expertly prepared full course dinner is served. Then, after dessert, the disc jockey goes to work, and what is described as music comes crashing rudely into the room out of five big speakers in a cacophonous wave of out-ofcontrol decibels that rattle me down to my bones. The world has become too damn noisy. This is one reason I rarely go to

Aging Today November is National Family Caregivers Month Offer to “Share the Care”

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ovember is National Family Caregivers Month (NFCM), a time to honor those who have taken on the role of caring for an aging loved one. NFCM was first proclaimed in 1994 by President Bill Clinton, continued by every sitting American president each year since its origin. This gives Americans the opportunity to not only celebrate family caregivers, but to also recognize these unsung heroes that make the ultimate sacrifice in caring for their family members. With 78 percent of aging adults living in the United States in need of long term care, many will depend on family members and friends as their only sources of assistance in this transition. In order to ensure that these aging loved

ones are comfortable, family members often take on the role of caregiving. On average, two out of every five adults in the United States are acting as a family caregiver; many are caught unprepared for the roles that they take on. The time commitment alone is a burden on so many households, with about 48 percent of family caregivers already employed full-time in addition to these new responsibilities. Family caregivers assume many roles in order to help maintain the quality of life for their loved one. These include personal hygiene, medication reminders, meal preparation, and remaining the loved one’s closet companion. Even with family caregivers in place, there are still more challenges to overcome. The

page 6 : : Lovin’ Life After 50 : : November 2016

movie theatres anymore. The last time was to see a James Bond picture. The film was one action scene after another, engulfing me and the rest of the audience in a blanket of pounding sound effects that shook the walls of the auditorium. Kaboom! Crash! Kabang! Crunch! Pow! Somewhere in all that assaulting, ear-splitting audio was a story, but I’m uncertain as to what it was. The telephone is a wonderful invention, but I reach an immediate level of agitation every time I call a business or government agency and have to hear a robotic voice telling me to press this and press that before I can ever reach a living, breathing human being. Even when I do connect by phone, often people ill-equipped in the art of communication speak so fast, or mumble their words, and I have to constantly repeat myself. More than ever, I hate shopping, especially at so-called big-box stores. What makes trying to buy stuff such an agony is that I have to run and tackle a store employee to receive some assistance in finding what I want. There was a time need for caregivers shows no slowing of growth in the future either; for the next 13 years, baby boomers are turning 65 at a rate of 10,000 per day. This kind of growth is unprecedented and the need for assistance is going to go through the roof. Currently, 65 million Americans are making the ultimate sacrifice as these unsung heroes spend an average 20 hours a week assisting their loved ones. This time commitment can make it incredibly difficult for them to not only continue previous obligations in their own lives, but to also maintain their own well-being. According to the Center for Disease Control and Prevention (CDC), 67 percent of family caregivers report that they do not go to the doctor because they put their families’ needs first. Continued stress on the family caregiver can take its toll; caregivers of elderly spouses between the ages of 66 and 96 experiencing stress suffer a 63 percent higher mortality rate than the recipient

when customer service was truly an emphasis on customer and service, when professional, knowledgeable sales personnel were immediately available. Those days are long gone. Now it’s: good luck, buddy, in finding things, and after you do, give us the money and get out. Yes, I know, sweating the small stuff is nothing compared to those big punches that life can throw at us. The trouble is that those little things are like that teacup-sized Chihuahua who thinks he’s King Kong and comes snapping relentlessly at your heels. You can ignore the tiny critter’s bite, but you just can’t get his incessant high-pitched barking out of your head. Drew Alexander, also known as “The Curmudgeon,” is a monthly columnist for Lovin’ Life After 50, writing about political issues. Send comments to drewalexander@ cox.net or to Drew Alexander, in care of Lovin’ Life After 50, 1620 W. Fountainhead Pkwy., Suite 219, Tempe, AZ 85282.

of the care. There are many ways to reduce the stress a family caregiver often experiences. One important way is by offering to assist with the person that is in need. By doing so, the family caregiver can get the respite time they so desperately need to accomplish simple errands, such as grocery shopping, visiting the doctor, or just taking some time to read a book. Other ways to assist can include spending time with the family caregiver, helping to clean around the house, or pitching in to take care of any animals in the home. While these seem like small ways to help, your assistance will give the family caregiver the relief of knowing these tasks have been accomplished. Celebrating the roles of family caregivers will help to encourage the health and well-being of both ...continues on page 14

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The Up Side Can you see the ﬂag from here? By Michael Grady

hhh, say can you see …? Our National Anthem poses a question. People forget that, because too many of them think its final two words are “play ball!” But each of its four verses (there are four, really!) return to the need to see — and the joy of beholding — that our country’s ﬂag is still there. Unlike other national anthems (Canada’s “Oh, Canada,” England’s “God Save the Queen” or Australia’s “Crack Me Open a Foster’s, Mate”) “The Star Spangled Banner” was born of a particular situation. In 1814 — midway through a prisoner exchange — lawyer Francis Scott Key stood on the deck of the HMS Surprise and watched as the British Navy spent the night shelling Baltimore’s Fort McHenry. All night, Key kept an eye out for the fort’s 15-star battle ﬂag as it was consumed,

then revealed, then consumed again in the smoke from rocket and cannon fire. Key’s need to know his country hadn’t buckled became a single question — can I see the ﬂag from here? — which became the spine of his poem “The Defence of Ft. McHenry,” which Key’s brother-in-law set to music. Long story short: it was crowned our national anthem in 1931, and has been an excellent way to shut our children up at sporting events ever since. It’s a durable song. It has survived charges that its middle lyrics glorify slavery. (They don’t.) It has been mauled by everyone from Robert Goulet to Leslie Nielsen, to countless smalltown crooners whose vocal range runs aground on “the rockets’ red glare.” It rolled gamely with the raised fists of American athletes Tommie Smith and John Carlos on the medal stand at the

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Mexico City Olympics. It was electrified by Jimi Hendrix at Woodstock, and squawked in a frightening, crotchgrabbing, trailer-park interpretation by Roseanne Barr in the 1980s. Yet somehow the song has survived. I don’t think Colin Kaepernick will be the death of it, either. In August, the San Francisco 49ers backup quarterback began taking a knee during the anthem. It was in protest, he said, of the way African-Americans were treated in this country. At first, this made me livid. The idea that a professional athlete — coddled, celebrated and vastly overpaid — would stand at the summit of all his blessings and (in the national spotlight, no less!) disrespect the country that bestows those blessings on him. I wondered what he would say to the servicemen and women who have died in the service to that flag; and I waited for the news stories, mean tweets and Facebook outrage to roll in and crush him like the Rams’ front seven. It did. And I followed every minute of it. And as I did, I began to realize, in slow degrees, that Kaepernick had a point. This last election has shown us that, while our country still believes in the freedom to hold opposing views, we get increasingly impatient when those views are actually expressed. Politics has partitioned us into teams. If you “oppose the war” you automatically don’t “support the troops.” If you say “black lives matter” you automatically hate law enforcement. This “either/or” approach to the world excludes all the middle ground that could create social progress. Francis Scott Key had one simple concern. Standing on the deck of the Surprise, Key wasn’t sure if the country he loved was still around, and the Fort McHenry flag was his only touchstone. The anthem speaks eloquently of what the flag, and the country, meant to him. And it reflects his all-night struggle to see it through all the trouble and smoke. A recent University of California study found that black, unarmed citizens are 3.49 times more likely to be shot by police than white, unarmed citizens. A San Francisco study tells us that black San Franciscans, who amount to 15 percent of police stops, also account for 42 percent of non-consensual searches. A Department of Justice investigation found Ferguson, Missouri, police officers were fining the city’s black citizens as a

civic “revenue stream.” And a 2015 study found that African-Americans in New York City were 18-25 percent more likely to be touched, pushed, cuffed or held at gunpoint by law enforcement. Does this mean all police are racists? We all know too many good police officers to believe this is so. But if you believe all people are created equally, and if numbers don’t lie, then there is, undeniably, a lot of trouble and smoke around race relations in America. This year, we’ve seen counterproductive efforts to bring awareness to it. If violence is not the answer, and demonstrations only antagonize both sides; if lawsuits devolve into hung juries and social media gets lost in the semantics of “Black Lives Matter” vs. “All Lives Matter,” then maybe an African-American athlete taking a knee during our national song isn’t such a horrible thing. Maybe it’s his way of saying, “I can’t see the ﬂag from here.” There are plenty of things not to like about Colin Kaepernick: his remarks come off as self-righteous; he has trouble throwing to secondary receivers and — oh, yeah, he’s a 49er. But the soldiers his detractors cite — the ones who fought and died for this country — fought for his right to express himself as he sees fit. If “patriotism” requires everyone to stand and make nice during the national song, then we should all move to North Korea, where they have lots of national songs and everyone stands because no one can afford chairs. I would rather go the other way. I’d prefer we direct our attention on the problem of race relations until our Colin Kaepernicks can no longer bring themselves to take a knee. If that rankles the beginnings of our ballgames a little, that’s a small price to pay for social progress. And it could turn Key’s sturdy little song into something more. What if our national anthem became a lever to address social injustice? What if we checked our knee-jerk outrage long enough to discover what the dissenters’ beef was, and this became a mechanism to draw attention to an overlooked issue? It would make our national anthem an expression of our national values. And it would kick the crap out of “Oh, Canada.” Michael Grady is a local playwright, reporter and the author of “Death Calls a Meeting.”

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ticks and stones can break our bones, but words (or names) can never hurt us.” It’s a lie. Yet most of us were either taught that from an early age, or have even taught it ourselves. If you’ve ever been called a derogatory name, you know how untrue the old adage really is. The reality is that being called a name that hurts is often more painful than being physically assaulted. I realize that sometimes people say or write things that hurt unintentionally. But that’s beside the point. The hurt is not mitigated by intention or lack thereof. And that’s precisely why I have such a problem with the overused term of “political correctness.” We’ve all heard plenty from those who oppose what they call “political correctness.” It was one of the watchwords of the Trump campaign. “Political correctness” is a derogatory term usually targeting left-leaning folks. It is used to suggest that some people (usually on the political left) are somehow so vapid and shallow they will use ridiculous language just to avoid offending someone. The origins of the term “politically correct” may surprise you. It was initially coined by the advisors to the Kremlin back in the days of the Soviet Union to describe those who toed the communist party line. It was initially adopted in American society by liberals who used it to poke fun at themselves, but blossomed into usage in the 1990s when conservative pundits used it to ridicule those viewed as overly sensitive. Today, it’s become a staple of conservative attacks on liberals.

Here’s my problem. I feel that one of the most fundamental characteristics of what I consider an evolved society is goodwill toward one another. I really do believe that! Strongly. Goodwill cannot be achieved without respect for one another. We most often show respect — or disrespect — for one another with our words. Downplaying disrespectful language as “political correctness” is nothing more than a gross trivialization of the notion of mutual respect. A personal example may help make my point. Not too long ago, an acquaintance was telling me — bragging actually — about his new car purchase. He mentioned that he had “jewed the salesman down” to the price he wanted. Now this wasn’t the first time I had heard that phrase used. I’ve heard it numerous times over the years, and I could tell he meant no malice. Nonetheless, I objected and told him I was Jewish. He was shocked that I was offended by the phrase. He told me he was using it as a “compliment,” that it was in no way intended to insult me or Jews in general and finally, that I was being “way too politically correct.” NO! I was pointing out how thoroughly offensive the phrase was and that intentionally or not, should not be used at any time under any circumstances. After a thoughtful, lengthy discussion he understood. He apologized and that was the end of it. Disrespect should never be dismissed or trivialized. Labeling it as “political correctness” does just that.

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Who is Caring for the Caregivers? “The value that caregivers bring to our lives and to the fabric of our community is priceless. What they do is selfless,” said Mary Lynn Kasunic, President and CEO of the Area Agency on Aging. “The big question is who is caring for the caregivers? November is a time for families, togetherness and Thanksgiving. November is also National Family Caregivers Month – a time to recognize and honor family caregivers. Caregivers provide care for parents, spouses, partners and other loved ones so that they may keep them living in their own home for as long as possible. In Arizona in 2015, more than 804,000 caregivers provided 749 million hours of unpaid care. The dollar value of these hours is more than $9.4 billion. And, nationally the numbers exceed 43.5 million caregivers providing unpaid care valued at over $470 billion. But the true value of our caregivers is not about the dollar value; it is about their personal devotion, ongoing commitment and deep compassion. It probably won’t come as a surprise that most caregivers – approximately 75 percent – are women with an average age just under 50 and that 85 percent of them care for a relative or other loved one.

“At the Area Agency on Aging, we look at both sides of the caregiving equation because it is as important to take care of the caregivers as it is to provide for those who need care,” Kasunic said. “Caregiving can be a rewarding experience, but it is also physically and emotionally demanding.”

receiver. Support services provided to the care receiver are also geared toward the support of the caregiver. The stress of dealing with caregiving responsibilities can lead to a higher risk of health issues. It is critical for caregivers to have the chance to take a breather and re-energize.

The Area Agency Family Caregiver Support Program takes a holistic approach to meeting the needs of caregivers. By meeting with them in their homes, we can determine service needs, provide educational and emotional support and be the link between the caregiver and other social service agencies.

Respite care provides short-term breaks that relieve stress, restore energy, and promote balance in the caregiver’s life. In addition, caregiver support services are available to adult family members, or other individuals who are informal providers of in-home and community care to older persons.

This program identifies two clients in one family – the caregiver and the care

The Agency’s 24-Hour Senior HELP LINE is the first point of contact for both caregivers

At the Area Agency on Aging, we look at both sides of the caregiving equation because it is as important to take care of the caregivers as it is to provide for those who need care.

page 12 : : Lovin’ Life After 50 : : November 2016

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and care receivers. Caregivers can find resources that provide a personal break for them to shop, run errands or simply enjoy downtime. They can also connect to support groups and educational forums, among other services. Care receivers find access to the entire range of services and resources that have made

the Area Agency on Aging so vital to the well being of individuals and families every day of the year. This November as you celebrate Thanksgiving, our bounty and your family, remember to also celebrate the caregivers in your life.

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Taking the Agency’s unmatched knowledge about resources for seniors and their caregivers to the next level of service Getting older brings with it the potential for expanding healthcare needs and ultimate decisions that could impact entire families. Many of those decisions relate to who will be caring for us as we continue moving through life’s spectrum.

CAREGIVER’S SURVIVAL TIPS Caring for a loved one can be very rewarding, but as a caregiver, it is essential to your well-being that you make sure to take care of yourself too. Following are a few tips to keep in mind.

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AGEconnect services are specifically designed to help older adults and their caregivers explore options, formulate a plan and navigate systems. focus exclusively on the well-being of seniors through comprehensive assessments and customized care plans based on their individual and specific needs. provide a comprehensive and personal in-home discussion about the individual’s current status and ongoing needs, a detailed plan based on those needs and continuing follow up and support. through this private-pay enterprise, are also a collaboration with family caregivers, whether they’re in Arizona or living in another state, to help manage current needs and to prepare for what might lie ahead. For information about AGEconnect, visit the website at www.ageconnect.com or call our 24-Hour Senior HELP LINE at 602-264-4357.

The Area Agency Family Caregiver Support Program takes a holistic approach to meeting the needs of caregivers. By meeting in their homes, we can determine service needs, provide educational and emotional support and be the link between the caregiver and other social service agencies.

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November 2016 : : Lovin’ Life After 50 : : page 13

Care giver...from page 6 the loved one in need and the family caregiver. Family caregivers can often feel overwhelmed, but by taking on an active role in helping the caregiver, we can drastically improve the lives of everyone involved. While National Family Caregivers Month is a time to celebrate those who take on the role, the need to help these individuals continues throughout the year. This holiday season, recognize those family members who continue to go above and beyond as caregivers, whether it is assisting in household chores or completing errands. While sitting around the Thanksgiving table, take inventory of your loved ones, friends, and/or relatives. If you can, watch for signs of change. Changes in health, mood, and living conditions can all be important indicators. In addition, family members should be speaking with the people who see their senior relative(s) on a daily basis to find out if they have noticed any recent changes. Consider this list when looking for changes: • Personal hygiene problems • Home in disarray or needing to be cleaned

• Weight loss or weight gain — check for spoiled food or insufficient food in the home • Failure to manage medications or medical appointments • Increased difficulty with mobility (such as climbing stairs or using a bathtub) • Changes in judgment, mood, or overall behavior • Increased forgetfulness — check for unopened mail or unread newspapers • Missed bill payments or other financial difficulties • Unusual or extravagant purchases that are out of character • Decreased social activities or failure to maintain friendships This Thanksgiving join us in recognizing family caregivers across the nation for keeping the promise to be there for their aging family members and friends. Make sure that this Thanksgiving if you see a friend, a loved one or a neighbor in the role of being a family faregiver, offer to “Share the Care.” By offering to share the care with the Family Caregiver you will enable the caregiver to get “respite,” so that they can be a better caregiver to their care recipient.

WITH A STROKE, T I M E L O S T I S B R A I N L O S T.

Learn the warning signs at StrokeAssociation.org or 1-888-4-STROKE.

page 14 : : Lovin’ Life After 50 : : November 2016

COPD treatment takes center stage By David Ebner

he world will never forget the momentous day when four young men from Liverpool, England, walked onto the stage of the Ed Sullivan show in 1964. The Fab Four strolled onstage, squinting in the glare of the lights and smiling at the squealing fans, and that grainy black and white image became the music history icon of the “British Invasion.” Stem cell research appeared on the world stage with much less fanfare. There were no screaming fans or standing ovations when doctors conducted the first stem cell procedure in the form of a bone marrow transplant in 1956. The painstaking hours scientists spent researching and studying cells in laboratories across the world passed unremarked upon in the pages of Life Magazine. Even in 2012, when John B. Gurdon and Shinya Yamanaka won a Nobel Prize for their discovery that “mature cells can be reprogrammed to become pluripotent,” enthusiasm was limited mostly to the medical community. The advent of stem cell research may seem inconsequential in comparison to the rise of the Beatles or Elvis Presley, but its impact on the medical industry is nothing less than revolutionary. Although the ethical implications of using embryonic stem cells have a high-profile and controversial history, knowledge of adult stem cells—cells present inside the body of every adult, remains relatively obscure. Adult stem cells live in the blood or bone marrow, and can be extracted and reintroduced into different parts of the body, as needed. Some stem cells can respecialize to mimic whatever type of cell they are near. For example, when bone marrow stem cells are extracted, isolated and reintroduced to the lungs of a patient with a progressive lung disease, the stem cells have the potential to morph into lung cells. The hope is that the new cells will be disease-free and promote healing and

potentially return lung function. For someone suffering from a debilitating disease, such investigative stem cell therapy could mean the difference between struggling for air and singing “Twist and Shout” in the shower. Physicians at the Lung Institute (lunginstitute. com) have been performing such procedures since 2013, increasing the quality of life for more than 83 percent of the patients they’ve treated as reported by the patients themselves in a recent study. During a stem cell procedure, cells are extracted from the patient’s blood or bone marrow tissue. The cells are then isolated and returned intravenously. This outpatient procedure is completed over three days and is considered minimally invasive. According to the Lung Institute’s Senior Medical Director, Jack Coleman Jr., M.D., “Stem cells are important because they offer an alternative approach. Instead of looking at symptoms simply to make the patient more comfortable, investigative stem cell therapy can potentially target the disease itself, challenging conventional medicine’s fatalistic mindset that there’s nothing more we can do.” It’s difficult to imagine a medical breakthrough stealing the show from the latest trending celebrity. However, real people have sought these innovative procedures, and some are already seeing a difference in their lives. They may not be screaming like the crazed Beatles fans of the sixties, but the alternative procedure fan base grows every day among people who look to stem cell research for answers. If you or a loved one suffer from a chronic lung disease, the specialists at the Lung Institute may be able to help. You can contact the Lung Institute at 855-842-7878 or visit lunginstitute. com/lovin to find out if you qualify for these new treatments.

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November 2016 : : Lovin’ Life After 50 : : page 15

‘I’m Changing My Mind’

Local ‘Top Doc,’ a board-certiﬁed psychiatrist, to give workshop on redeﬁning identity

He goes on to explain that adopting t’s never too late to learn more about patterns established early in life, make the patterns we learn early in life often changes and become the person you’ve result in behaviors that just don’t work. “I might be defensive with my wife, always wanted to be. Dr. Henry “Jim” Schulte, a board- or judgmental of other people; I might certified psychiatrist, will present a secretly have low self-esteem and do too workshop on how to recreate oneself, much for others, or drive them away, for from 9 a.m. to noon on Saturday, Nov. example,” he explains. During the workshop, Schulte 12, at the Double Tree Resort by Hilton, introduces guests to concepts such as 5401 North Scottsdale Road. the biology of the brain Pre-registration is regarding emotional required by calling 480pathways, and formation 941-9004. Tickets are of a sense of identity. He $40. In addition to his offers tools for people to private practice at the move past established Schulte Institute, Schulte patterns. is a frequent speaker. “People are looking for “I’m just so grateful love at any age, and with we have the freedom the divorce rate at 50 to live in America; and percent, a lot of people ‘I’m Changing My are open to change,” Mind’ is the next level of freedom, or the freedom Dr. Henry “Jim” Schulte, a Schulte says. Schulte says he often to understand how I board-certified psychiatrist works with people in their learned about myself, and how I learned to connect from 50s and 60s who experience issues with my family of origin,” he says. “And shifts in identity after retirement. That the freedom to choose what I want to new season in life can spur health and do with that, other than automatically lifestyle changes as children move on, marriages end or careers wind down, living it out.” A Distinguished Life Fellow of the particularly if the job was a reliable American Psychiatric Association and source of self worth. “All of a sudden, you’re questioning many times voted among Arizona’s “Top Docs,” Schulte has been working your life choices and asking yourself, with adults, adolescents and seniors to ‘Am I happy in my relationship? What improve mental health here for 30 years. have I done with my life, and what will I

do with my time now?’” he says. Among many credits on his resume is certified Addictionologist. “It’s a specialization in the field of psychiatry that focuses on more difficult types of addictions,” he explains. In an effort to soothe themselves, many people seek comfort in drugs or alcohol, videos, gambling and sex that can lead to detrimental outcomes. “We find that the same neurological pathways created in substance addictions express themselves in other addictive patterns,” he says. Schulte practices a range treatment to help patients with a variety of mental health issues including depression, among them transcranial magnetic stimulation, or TMS. The practice involves the use of short pulses of

magnetic fields to stimulate nerve cells in the area of the brain responsible for controlling mood. Often medication is used to treat depression, but no one treatment modality works for everyone. “Sometimes when people don’t have anything to retire to, they have too much time on their hands to think about their unhappiness. They drink or smoke or spend too much and screw up their lives,” he says. Schulte hopes that those who attend his workshop will learn something useful in how they perceive themselves, and how to evolve in these new phases of life. To register, or for further information, contact the Schulte Institute at 480-9419004 or visit schulteinstitute.com.

Drop by and Sound Off! An invitation to speak your mind You spoke, and we listened. So by popular demand, we’re returning the Sound Off column to the opinion pages once again! Got a beef? Share it. Want to vent? Be our guest. Like to offer a compliment? Well, we’d be delighted. Simply call 480-898-4903 or email soundoff@lovinlife.com. Say your peace and it may show up in the next issue of Lovin’ Life After 50. If it doesn’t, and you’re peeved, we bet you’ll let us know! Warm regards, Your editorial team page 16 : : Lovin’ Life After 50 : : November 2016

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*Free gift without obligation. Limit one per attendee while supplies last. Blue Cross Blue Shield of Arizona Advantage (BCBSAZ Advantage) Medicare Advantage plans, Blue Cross Blue Shield of Arizona (BCBSAZ) Medicare Supplement and BCBSAZ Medicare Part D plans will be discussed. For accommodation of persons with special needs at sales meetings, call 1-844-608-8830, TTY: 711, daily, 8 a.m. to 8 p.m. By registering for this seminar, a sales representative may contact you. A sales person will be present with information and applications. Blue Cross Blue Shield of Arizona Advantage (HMO) is an HMO plan with a Medicare contract. Enrollment in Blue Cross Blue Shield of Arizona Advantage depends on contract renewal. Blue MedicareRxSM (PDP) is a Prescription Drug Plan with a Medicare contract. Enrollment in Blue MedicareRx depends on contract renewal. BCBSAZ and BCBSAZ Advantage comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability or sex. ATTENTION: If you speak another language, language assistance services, free of charge, are available to you. Call 480-566-2868 (TTY: 711). ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 480-566-2868 (TTY: 711). D77 baa ak0 n7n7zin: D77 saad bee y1n7[ti’go Diné Bizaad, saad bee 1k1’1n7da’1wo’d66’, t’11 jiik’eh, 47 n1 h0l=, koj8’ h0d77lnih 480-566-2868 (TTY: 711). S6506_081415_B02 CMS Accepted 08/26/2015 H0302_557_2016 CMS Accepted 08/26/2015 D13806 10/16 www.lovinlifeafter50.com

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November 2016 : : Lovin’ Life After 50 : : page 17

Get free help with your medicare By Cate Kortzeborn

hen someone with Medicare finds his or her way to my office phone, it’s often because of a complicated and snarly issue that’s going to take time to fix. However, it’s sometimes a Medicare beneficiary who found my number somewhere and called for some basic help in understanding their coverage. I LOVE those calls because I have a quick and easy answer for folks like that. I refer them to the State Health Insurance Assistance Program, or SHIP. There’s a SHIP in every state in the country. I have phone numbers for the ones in my Medicare region written on a card right next to my phone, and I refer to it often. SHIPs are nonprofit organizations

that help people with Medicare understand their benefits better. The counseling is personalized and it’s absolutely free. SHIPs aren’t connected to any insurance company or health plan, so they’re not trying to sell you any kind of product. If you’re eligible for Medicare, you’re eligible for assistance from your local SHIP. You can talk to a SHIP counselor over the phone, or go to your local SHIP office for face-toface assistance. The quality of the counseling is terrific. Many SHIP counselors have Medicare themselves and they’re well-trained to answer your questions. They know all the ins and outs of the program, whether you have Original Medicare (where you choose

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the doctor or hospital you want and the government pays your providers directly) or Medicare Advantage (in which private insurers offer health care services through a specific network of doctors, hospitals, and other providers). SHIPs also can help with Part D prescription drug insurance. And did I mention that SHIP counseling is free? Here are some of the issues that a SHIP counselor can help you with: • Billing problems • Complaints about your medical care or treatment • How to shop for a Medicare Advantage health plan or Part D prescription drug plan that meets your needs • How to appeal if you disagree with coverage or payment decisions by Medicare or your Medicare plan • How Medicare works with other insurance. How do you get in touch with SHIP? This is the phone number for contacting the SHIP office closest to you if you live in Arizona: 800-4324040 Of course, there are other ways besides SHIP to get information about Medicare. One excellent resource is the “Medicare & You” handbook, which is mailed to Medicare beneficiaries every fall. “Medicare & You” is a gold mine of easy-to-understand information about how Medicare works, how to enroll, what services are covered, and many other topics. The handbook also lists all Medicare Advantage and Part D plans available in your area, their costs,

and contact information for each one. You can find the latest edition of “Medicare & You” online at: http:// www.medicare.gov/Pubs/pdf/10050. pdf Help is also available through the Medicare customer service center, at 1-800-MEDICARE (1-800-633-4227; TTY users call 1-877-486-2048). The call center is open 24 hours a day, including weekends. Visit the official Medicare website, at www.Medicare.gov for another helpful resource. The website has a wide variety of information about Medicare health and prescription drug plans in your area, including what they cost and what services they provide. Medicare also rates the plans based on its FiveStar Rating System. You can look for doctors or other health care providers and suppliers who participate in Medicare, and see what Medicare covers, including preventive care services such as cancer screenings and vaccinations. At www.Medicare.gov, you also can: • Get Medicare appeals information and forms • Get information about the quality of care provided by plans, nursing homes, hospitals, home health agencies, and dialysis facilities • Look up helpful websites and phone numbers Cate Kortzeborn is Medicare’s regional administrator for Arizona, California, Hawaii, Nevada, and the Pacific Territories. You can always get answers to your Medicare questions by calling 1-800-MEDICARE (1-800-633-4227).

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Tips for Communicating During the Holidays Don’t Let Hearing Loss Affect Your Holidays, Plan Ahead By Michele Michaels, hard of hearing specialist, Arizona Commission for the Deaf and the Hard of Hearing

uring the holidays, many of us are surrounded by groups of people we love and families near and far come together to celebrate. With these family gatherings often come large groups of people, and for those who are hard of hearing, the ability to understand and communicate may become difficult with the constant bustle and noise of multiple and overlapping conversations. Because the holidays should be a time to relax and enjoy one another, we have compiled some tips to help you manage these holiday gatherings while reducing stress from understanding those around you. • Anticipate difficult situations and plan how to minimize them. Know that there will most likely be a time when you can’t understand what everyone is saying at once. Create

a plan on how to deal with these situations. If you want to have a oneon-one conversation while everyone else is talking, pull that person aside into a quiet area. • Pay attention and concentrate on one speaker. While you may be gathered with many people who are all carrying on their own side conversations, decide who you’d like to speak to or listen to and concentrate only on them. If that’s not working and you’re having trouble understanding, take a look at the next two tips. • Ask that everyone speak one at a time and don’t talk over one another. If you are having people over, give them a reminder that you may have trouble following a conversation if more than one person

is talking at once and ask that everyone try to speak one at a time. If you are visiting family members or friends for the holidays, ask your hosts if they would let other guests know of the situation. • Communicate to others when you don’t understand what they are saying. Make it known that you’re having difficulty understanding what they are saying. Ask that they repeat themselves and/or give them tips so that you can better understand what they’re saying in the future. • If you’re too tired to concentrate, ask for discussion later. While the holidays are meant to be relaxing, they can also be quite exhausting since family and friends are trying to catch up with one another who they

Stay connected this holiday season

might not have seen in a while. Be aware of your energy levels and know when you need a break. The holidays are a time to enjoy your loved ones, catch up and hopefully relax. Take these tips into consideration before your next gathering to help make your holidays more enjoyable and less stressful. For more information on the Arizona Commission for the Deaf and the Hard of Hearing, visit http://www.acdhh.org/, or Arizona Relay Service, visitazrelay.org/.

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November 2016 : : Lovin’ Life After 50 : : page 19

cover story

Fraud Fighters From scammers to spammers to skimmers, experts share tips on how to spot and avoid the latest frauds targeting older adults By Jimmy Magahern

bout a year ago, Brenda Holt received something in the mail that struck her as a little strange. “There was a new CVS being built around the corner from where we live,” says the Avondale woman. “And one day, right before the grand opening, I checked my mail and found an envelope in there with a cashier’s check for $2,500 made out in my name.” The surprise mailing came with instructions: Holt was told to deposit the check in her bank and take out $300 of it in cash to be returned to the sender. Then she was instructed to go to the new CVS and spend the remaining $2,200 as a “secret shopper.” Initially, she admits she was intrigued by the offer. “I was excited — I mean, what woman would not want to go to CVS and blow $2,200 on cosmetics and bath products and perfume?” she says. But something about it “didn’t feel

right.” Her uneasiness was compounded by the fact that almost immediately after she received the check, she started getting calls and emails from the senders asking her “When are you going to deposit the check?” “I’m thinking, ‘How did they get all of this information about me?’ They told me: ‘We know there’s a new CVS in your area, and you were randomly selected from the neighborhood to participate.’” Suspicious of the operation, Holt never deposited the check into her bank account. Instead, she took it to her office — which happens to be the Arizona office of AARP in Peoria, where she serves as a senior program assistant. Holt showed the check and the accompanying letter to then associate state director Kathy Stevens, who advised her to contact the bank identified on the check. “Sure enough, we called the bank and found out it was a bogus check,” Holt

page 20 : : Lovin’ Life After 50 : : November 2016

says. She promptly alerted the Better Business Bureau and the police in San Jose, California, where the company claimed to be located, as well as that new CVS in her neighborhood. “The people at CVS were really glad I alerted them that this was happening, so they could tell corporate, and these people could be on the lookout for elderly people coming in with a lot of money to spend.” Holt says she found it ironic that for all the personal information the scammers had gathered about her, the one thing they hadn’t discovered was the name of her employer. AARP has long been a watchdog organization for seniors’ rights, and in 2014, the nonprofit launched the Fraud Watch Network, a program designed to arm older Americans with the tools and resources to avoid, and aggressively report, scams and identity theft. “They picked somebody who works for AARP!” she says, laughing. “I mean, we’re out there on the forefront every day trying to help people to avoid fraud. The next time they called, I said, ‘The jig is up! I called the bank, they said it’s a bogus check; I work for AARP’ — and then suddenly I heard ‘click!’ Never heard anything else from them after that. Nothing else. “In a way, I thought, it couldn’t have

happened to a better person!”

Staying off the “sucker list”

A 2014 FTC report (as reported in USA Today) placed Arizona as the eighth “most scammed state” in the U.S. AARP reports that although people over age 65 comprise only an eighth of the U.S. population, the group makes up a third of all scam victims. The foundation’s research suggests that scammers target this age group because they’re able to exploit three main vulnerabilities that come with the natural aging process: memory loss, loneliness and a more trusting nature. As a tax professional and AARP volunteer educator, Linda Vitale is often tapped to lead free classes organized by AARP’s Fraud Watch Network to educate older adults on how to safeguard against ID theft and fraud. The author of a book on common scams, “Scam Me Once ... Can’t Get Scammed Again,” Vitale, who lives in Surprise, has developed a keen eye for unsavory operations and has learned how to outsmart what she calls the “fraudsters,” often before they strike. But even Vitale admits she’s come close to becoming a victim of at least one fraudulent scheme. “I almost fell for an email scam myself two days ago,” Vitale says. “I have a

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friend who is my insurance agent and I received an email from her that said, ‘This is a document that you need to sign.’ And I almost clicked on that link, because I recognized her name and it made sense that sending documents to sign is something she would do. Fortunately, I listened to my own advice and called her and asked, ‘Cindy, did you send me something to sign?’ And she said, ‘No, don’t click on that link!’ Had I clicked on it, I would have downloaded malware.” Vitale says scammers have become sophisticated in gathering information about their targets and can “spoof ” or forge a sender’s email address to make it appear to be originating from a trusted source. “I always tell people that when they get an email or a text message, never click on a link or download an attachment unless you’re 120 percent sure that the person who sent it is someone you know and trust,” she says. “It’s a trick the scammers often use to install malware on your computer that can then give Tax professional and them access to all of Linda Vitale your files, all of your emails and even the ability to log your keystrokes, so that every time you go online and put in a PIN or a password or a credit card number, the keystrokes are being read.” The “click here” scam is just one of many that Vitale cautions seniors to be on the lookout for — she says it’s often used by people pretending to be IT professionals offering to rid the victim’s computer of a virus it doesn’t actually have. The Medicare scam is another common problem, particularly at this time of year. “Every year at this time, from October 15th through December 17th, there is an open enrollment period for Medicare, when seniors are given an opportunity to change their policy,” Vitale says. “Now the fraudsters know this, so every year during this time it’s like hunting season. They know that people are looking at their Medicare plans and they will get either a piece of mail or, more likely, a phone call, and it’ll be somebody

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impersonating someone from the Centers for Medicare and Medicaid.” The caller will remind the target that it’s time to renew their Medicare plan, but in order to issue a new card, they’ll need their Medicare number. “The reason they want that,” Vitale says, “is Since 1865 that on most people’s Medicare cards, their ID number is the same as their In today’s economic ONE-LIFE Social Security Number.” In April 2015, GIFT environment, consider the the federal government announced that ANNUITY benefits of a life income plan RATES Medicare beneficiaries would no longer Age Rate with one of America’s most be receiving new cards that display their Social Security number, to fight against trusted charities. 65 4.7% identity theft. But the Department of 70 5.1% Gifts that pay you income Health and Human Services has four for life 75 5.8% years to issue 80 6.8% Relief from taxes the updated 85 7.8% cards to new Income now or later 90+ 9.0% beneficiaries, Two-life rates available. Support your community Rates subject to change. and four more years to issue For information call 800-479-0210 or return coupon. the new cards to existing Name(s) beneficiaries. Address “In the City, State, Zip meantime, if a E-mail fraudster can Phone ( ) Age(s) get a person’s The Salvation Army, BJ Dorman, Planned Giving Director Medicare 2707 East Van Buren Street, Phoenix, AZ 85008 number, they E-mail: SArmyGift@usw.salvationarmy.org Visit: www.sarmygift.org also have ©2016 The Salvation Army LL ACGA11 that person’s Social Security Number and can then go out and do some AARP volunteer educator, damage.” V i t a l e says the real Medicare/Medicaid office will never actually call beneficiaries on the phone to renew their policies. “It’s kind of like 10108 Publication: LOVIN LIFE (2 zones) the IRS scam,” she says, referring toJob No: Whether or ad not we’re offered you asACGA11Characteristic Product: 4-color AdtoCode: Rehabilitation Nursing the widespread practice of scammersSize: 4.9” Hospital an option you have the x 5.4”for rehabilitation, Insertion Date: October 1, 2016 (Health Guide)Home making unsolicited calls demanding09/05/16@ right to ask for HealthSouth by name. Frequent visits Required Not required 5:30 PM Art Director: SML by an attending HealthSouth consistently gets patients payment while fraudulently claiming to NEW MATERIAL - CHANGES OR REVISIONS NOT AUTHORIZED! physician back home sooner than other facilities like be from the IRS, a scam the Internal Multidisciplinary Required Not required nursing homes or skilled nursing facilities. approach Revenue Service says has already bilked (310) Faxa Higher (310) 322-0617team stephanie@bprco.com You have the 322-2210 right to ask for RN oversight and 24 hours/day At least 8 thousands of people out of more than Level of Care®. availability consecutive $5 million. “The real IRS does not call. hours/day Call 623 334-5361 to learn more. But people get so frightened when they Nursing hours per Between 5 and Between 2.5 patient per day 7.5 hours and 4 hours hear the IRS is calling that they really Specialty nursing Yes Not required believe it.” The Joint Commission Diseasetraining, rehabiliSpecific Care Certification tation expertise To complicate matters, Vitale says in Brain Injury Rehabilitation, 3 hours/day, No minimum Physical, occupaCardiac Rehabilitation scammers have become adept at tricking tional and/or 5 days/week and Stroke Rehabilitation caller ID systems to make the calls (minimum) speech therapy level of service appear legit. “Most people now have caller ID. But caller ID gets spoofed, or manipulated. So in the case of the IRS scam, when the phone rings and the person looks at their caller ID, they see ‘Internal Revenue 13460 North 67th Avenue • Glendale, AZ 85304 623 878-8800 • healthsouthvalleyofthesun.com Service.’ So they already believe, before they’ve even picked up that phone, that ...continues on page 26

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Fraud...continued from 25 they’re talking to someone in authority, and that can make them more amenable to giving out their personal information.” Sometimes they end up not even talking to a real person but to a “robocaller,” or a computerized autodialer that delivers a pre-recorded message. “Robocalls are actually illegal,” Vitale says, “with very few exceptions: charities and political parties can call, and doctors’ offices can robocall to confirm an appointment. Other than that, if a person picks up the phone and they hear a recording, they should never press numbers. Because what happens on those robocalls is they’ll say, ‘Press 0 to talk to an operator, or press 1 to get on the do-not-call list’ or something. Well, as soon as they press any numbers … it tells them that it’s a good number and the person follows directions, and now they will be on a ‘sucker list’ — which means they get even more calls. So it’s kind of a fishing expedition.”

Scambusting tips

How can older adults avoid scams as the fraudsters become more and more sophisticated in their techniques? Vitale says there are a few things to look out for. “First, watch out for anyone that

threatens you to send money,” she says. “Any time a supposed bill collector calls demanding a payment, a utility company calls threatening to shut off your services, or a credit card company calls saying you didn’t pay your bill — with no option to dispute the debt — that’s a big, big red flag. And usually how they want the money sent to them is by some untraceable method. If they can’t get you to give them your credit card, they will usually ask you to wire money or get a pre-paid debit card. Lately, a big ploy is to get you to purchase an Amazon or iTunes gift card and send that to them. Anything like that should be considered a red flag.” Vitale also advises regularly checking your bank statements. “Because there have been so many data breaches over the past few years, it’s important to always look for any unauthorized charges. Even if it’s just a $2 or $3 charge you don’t recognize, you need to call your credit card company to address it, because a lot of times they’re testing the water with small charges first to see if the card is still active. And if the small charges get ignored, there’ll be larger and larger charges each month.” People also need to be on the lookout for “skimming” devices, or small card

readers affixed to ATMs or gas pumps that can scan and store credit card data from the magnetic stripe on the card. “We have had a huge amount of skimming going on at ATMs and gas stations,” says Vitale. “In the month of August, there were more skimming devices found in gas stations than in the entire previous year. I tell people never to use a debit card at a gas station. Because debit cards are tied to their checking account, which can be cleaned out if someone gets ahold of the data. With credit cards, at least you have some redemption — typically you’ll only be responsible for maybe $50 of a fraudulent charge. With a debit card, if you don’t notify the bank within two days, you’re often responsible for $500-plus.” Lastly, Vitale advises to be wary of impersonators. “The ‘grandparents scam’ is still a big one — where you get a call, usually at an inconvenient time in the middle of the night or early in the morning, from a person who claims to be a grandchild in a jam. And they’ll say, ‘Don’t tell mom or dad, but I got a DWI and need to be bailed out of jail.’ And the grandparent wants to help their grandchild; it’s triggering those emotions.” Vitale says these days, most scammers can gleam grandchildren’s

names and personalities from a Facebook page. “The key is to always ask a question only the grandchild will know.” A good way to keep up on all the latest scams, Vitale says, is to register on AARP’s Fraud Watch Network. “That’s what I would say is one of the best aspects of the website, that you can sign up for fraud alert and you will get messages in your inbox, or a telephone call, alerting you to the latest scam that’s out there. I just got one in my inbox yesterday, about a new twist to the IRS scam. It’s a really good way to stay on top of what’s happening.” For Brenda Holt, she’s just happy she was able to blow the whistle on a scam that was happening in her neighborhood. She says she subsequently heard from other neighbors who also received the bogus checks for the socalled CVS secret shopper program, but hasn’t heard about any of them getting hassled further. “I’m just glad I work for AARP, and that I had the presence of mind to go and take the check to the office and let somebody have a look at,” she says. “We were able to take the necessary steps to get this shut down. And that feels good.”

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A ‘Hoylarious’ Treat By Diane Meehl

ean Hoy admits it: He’s no good at accounting, and he had a cubicle job for all of a week. Early in his life, the consummate “class clown” performed his own talk shows beginning in second grade in the school library. He’s still doing that today, playing master of ceremonies, event host and even private bartender. Hoy has emceed several Lovin’ Life After 50 Expos, where seniors mix it up with vendors and service providers to learn about the various resources available to them. He reports the gigs are great ones. “I love the crowd,” he says. “They’re just so appreciative of a smile. You can see they appreciate the energy we bring to them. You can really make someone’s day there.” Just don’t expect him to stand onstage and tell jokes at the expos. Burning off his infectious, relentless energy, he’ll be roaming the room and interviewing folks at the booths. “A long time ago, I learned that

making people laugh wasn’t about me. It wasn’t about how funny I could be. It was about talking to people. Now I incorporate the audience into my show. Nothing’s more funny than a secretary who has something to say about the boss,” he shares. “I just hold the microphone (or wireless mic) and I let the guests be the stars,” he says.

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Like most “ah-ha” moments, it was a tough one onstage that shaped the biggest lesson he learned in his career: to put people first. “I was emceeing an event at the Arizona Humane Society where I do a lot of work,” he says. “They wanted us to come and do comedy, and I thought it would be so cute and fun, puppies and all that.

“But the crowd was so somber, and people in the audience were crying. Someone pulled me aside to remind me it was a bereavement event. And I learned then that you really have to know your audience. That experience changed how I performed and it changed my soul, too.” ...continues on page 28

You will love living in a Kivel Manor Apartment... Kivel apartments, located in east central Phoenix on a beautifully landscaped campus are speciﬁcally designated for income qualiﬁed individuals over 62 who want to live independently, with or without assistance, in a well-maintained community with great neighbors! Kivel Manor is a HUD community where rent is only 30% of net income. Included in the rent are all utilities— electric, heat, AC, water, sewage and garbage along with basic cable.

Kivel campus offers a variety of amenities: • Hair care salon • Theatre where residents enjoy movies • Mini-mart for those little things you might need! • Attractive dining room serving affordable, delicious and nutritious meals. Dietary laws observed. • On-site dental clinic • Media center with high-speed internet access

Each apartment has: • Kitchen with a stove/oven, full size refrigerator with plenty of freezer space and lots of cabinets • Spacious bathrooms with grab bars and emergency call pullcords Living at Kivel Manor you can keep active with participation in the many and varied activities arranged by our experienced Activity Staff. • Bingo is a favorite event but card games, book clubs, crafts, painting classes along with discussion groups offer stimulating and fun things to do. • Monthly outings aboard the Kivel bus and weekly shopping trips too! There is a model apartment waiting for you to see so, give Donna a call now at (602) 443-8039 to schedule an appointment!

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Tools of the Trade A native Arizonan, Arizona State graduate and one of four children, Hoy started out as a cartoonist, something he’ still passionate about. The editorial bone is in his blood, he says. His father was an accomplished photojournalist, whose credits include a post as White House photographer spanning several administrations beginning in 1963. (In fact, his parents met at the Washington Post.) Hoy worked the stand-up comedy circuit at lofty marquees, including the Comedy Store in Southern California, and the Scottsdale Improv. But it was his work drawing pictures that led to his real start juggling his craft as a cartoonist with emceeing fundraisers, corporate parties and other events. “The people at Ames (Drywall Finishing Tools & Services) asked me to draw a character for them. Then, they said, ‘that’s you.’” He got to play the character for several years, fortuitous for a man who claims comedy is his “tool” wherever he’s working. Sean says he enjoys working for Phoenix Children’s Hospital and the Arizona Human Society and other charitable causes. His mixology classes are packed to overflowing at the Four

Seasons, where he stirs in comedy with cocktails. Hoy also landed a “man on the street” gig for local and legendary DJ Dave Pratt’s radio show and now television production. But, he’s got big plans for the future: a talk show dubbed “Hoylarious,” where he’ll continue to emulate some of his heroes, including Johnny Carson and Jimmy Fallon. “I admire their laid-back likeability,” he says. “I’m not really into being put on the spot when people say, ‘Hey, funny boy, make me laugh!’” Once he played emcee for a casino event with a Goodfella theme for RSC Rentals. “I got to wear this cool tux, and I threw a couple of horse heads in bed just to get into character,” he quips. Clearly he can be funny on demand, but he still prefers to let the audience come up with the best lines. He’s not one of those comics, he says, whose brand of comedy masks a deeper sadness. “Not me. I’ve got a happy center,” he says. “And I want to use it to spread joy and happiness to others.” To learn more about Lovin’ Life After 50 Expos, visit: seniorexpos.com

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Entertainment Joe Bourne is back with what he knows best By Carson Mlnarik

at King Cole or Stevie Wonder? Easy listening ballad or boogie woogie bop? Guests will take a musical journey when Joe Bourne, singer and artist, shares his multifaceted repertoire at the Lovin’ Life after 50 Expo on Nov. 8th in Oro Valley. While he currently lives in Tucson, Bourne can boast international fame as a performer. He lived in the Netherlands for 25 years and performs in countries across the globe, including Italy, Australia, Scandinavia and Germany. Bourne’s typical set dances across the decades, featuring songs from as early as the ‘40s to modern day hits from artists like Bruno Mars. Before his residency in Tucson, he toured Europe with artists by the likes of Dionne Warwick, Natalie Cole and The Pointer Sisters. Bourne got his start in music as a kid in a church choir and later in street corner singing groups. He calls Lou Rawls and Nat King Cole his biggest inﬂuences, the latter of which he honored with a cover album in 2005. His artistic talent does not stop at music, however. Bourne is also a painter, specializing in watercolor, acrylic and encaustic works. His paintings range in style from abstract to realistic, mostly inspired by his international travels. He recently wrapped up an exhibition at Flying Leap Wine Tasting Room in Tucson, though he has been a part of exhibits all across Arizona and the Netherlands. He began painting after taking a watercolor class on a German cruise ship on which he had been performing. While he took the class just for fun, he left with a new hobby.

Calendar of events November 2016 November 1 Tuesday Let’s Knit (Runs Nov. 8, 15, 22 & 29) 1:30-3:30 p.m., Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale. For more information, contact Harriet at 480.481.7033 or harrietc@vosjcc.org. No reservations required. Share the pleasure of knitting and crocheting. Help others with projects and patterns. Can’t knit? We’ll teach you. November 2 Wednesday It’s Not Just Lunch, Noon-1:30 p.m., Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale. To register, contact Chani at 602.492.7670 or chani@sosaz.org, $5 suggested donation. Great speakers and a different topic each month with a full kosher lunch; a collaboration with SOS. Let’s Talk Current Events Discussion Group, 2-3:30 p.m., Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale. For more information, contact Harriet at 480.481.7033 or harrietc@vosjcc.org. Bill Adler leads stimulating discussion each month on current events. Bring your ideas to share with the group. November 3 Thursday

Born in Massachusetts, Bourne ended up in the Arizona heat after his wife needed to live in a warmer climate. He quickly became a staple in the area and at the Lovin’ Life expos. He made an appearance at last year’s Oro Valley event and has also been a part of events in Mesa, Sun City and Phoenix over the years. While he likes staying current in his performances, it’s songs from the Great American Songbook that really get Bourne’s heart beating. With these classics in his set list, Bourne hopes he’s helping spread great melodies and lyrics to young

page 26 : : Lovin’ Life After 50 : : November 2016

fans, exposing them to songs they may not have heard. In addition to showing today’s youth a different side of music, he wants to just have fun with the audience he has set out to entertain. His mission statement simply reads, “To lift the spirits of those who I have the privilege of entertaining and to have an abundance of fun while doing so.” When he takes the stage in Oro Valley, he will be doing just that. Bourne will be performing a set every hour, starting at 10:10 a.m. For more information on his music and art, visit joebourne.com

Let’s Be Strong & Single, 10-11 a.m., Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale, Presented by Reverse Cinderella and A+ Resumes & Career Coaching. Free; reservations recommended. For more information, contact Harriet at 480.481.7033 or harrietc@vosjcc.org. This informative workshop helps middle-aged, newly single women find confidence and begin the next fabulous chapter of their lives. November 4 Friday Holidaze Craft Faire, 8:30 a.m. to 2 p.m., repeats Nov. 5 to Nov. 7, Willowbrook Church, 19390 N. 99th Ave., Sun City, free admission, willowbrookumc.org. The Christmas event features more than 100 tables of award-winning local artisans/vendors and the Kris Krafters. Enjoy various raffles, art, knitting, sewing and embroidery machine demos, Ye Olde Sweet Shoppe and Will’s Mobile Sharpening Service for any kind of blade/scissors. November 5 Saturday Holidaze Craft Faire, 8:30 a.m. to 2 p.m., repeats Nov. 6 to Nov. 7, Willowbrook Church, 19390 N. 99th Ave., Sun City, free admission, willowbrookumc.org. The Christmas

www.lovinlifeafter50.com

Calendar of events event features more than 100 tables of award-winning local artisans/vendors and the Kris Krafters. Enjoy various raffles, art, knitting, sewing and embroidery machine demos, Ye Olde Sweet Shoppe and Will’s Mobile Sharpening Service for any kind of blade/scissors. Our Lady of Joy Catholic Church’s Holiday Bazaar, 9 a.m. to 4 p.m., repeats Nov. 6, Our Lady of Joy Catholic Church, 36811 N. Pima Rd., Carefree, free admission, 480575-5238. During the two-day bazaar, sponsored by Our Lady’s Guild, more than 70 hand-picked vendors will offer unique items of pottery, jewelry, artwork, fashions and accessories for sale. In addition to great shopping, there will be a Book Nook stocked with thousands of gently used books and a Corner Café where shoppers can enjoy breakfast and lunch at reasonable prices. Cameo Foundation’s 7th Annual Dancing/Musical Fashion Show, 12:00 p.m., Palmbrook Country Club, 9350 W. Greenway Rd., Sun City, 602.788.9556 for tickets or email info@cameofoundation.org, $30 per person, children 10 and under: $15. A lively musical fashion show and luncheon with music by Bob Messinger, fashion by Dillard’s and a raffle and other guest performers; benefits victims of domestic violence.

November 6 Sunday Our Lady of Joy Catholic Church’s Holiday Bazaar, 9 a.m. to 4 p.m., Our Lady of Joy Catholic Church, 36811 N. Pima Rd., Carefree, free admission, 480-575-5238. During this bazaar, sponsored by Our Lady’s Guild, more than 70 hand-picked vendors will offer unique items of pottery, jewelry, artwork, fashions and accessories for sale. In addition to great shopping, there will be a Book Nook stocked with thousands of gently used books and a Corner Café where shoppers can enjoy breakfast and lunch at reasonable prices. Holidaze Craft Faire, 8:30 a.m. to 2 p.m., repeats Nov. 7, Willowbrook Church, 19390 N. 99th Ave., Sun City, free admission, willowbrookumc.org. The Christmas event features more than 100 tables of award-winning local artisans/ vendors and the Kris Krafters. Enjoy various raffles, art, knitting, sewing and embroidery machine demos, Ye Olde Sweet Shoppe and Will’s Mobile Sharpening Service for any kind of blade/scissors.

Krafters. Enjoy various raffles, art, knitting, sewing and embroidery machine demos, Ye Olde Sweet Shoppe and Will’s Mobile Sharpening Service for any kind of blade/scissors. Crystal Bridge – Supervised Play (Runs Nov. 7. 14, 21 & 28), 9-11:30 a.m., Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale. For information and reservations, contact Harriet at 480.481.7033 or harrietc@vosjcc.org. Supervised-bid play and learn with ACBL-accredited teacher and certified director Maddy Bloom. Earn master points in a friendly atmosphere. Games include mini-lesson, light refreshments and incentives for returning players. Drop in: $10 per player. November 8 Tuesday Tech@ Tea Time: Android Basics, 3:30 p.m., Mesa Express Library, 2055 S. Power Rd. Suite 1031, Mesa, space is limited, register at http://ow.ly/v6xJ304Hhm3. Discover how to change settings, move icons, connect to WIFI and more with your Android tablet, Kindle Fire or smartphone.*

November 7 Monday Holidaze Craft Faire, 8:30 a.m. to 2 p.m., Willowbrook Church, 19390 N. 99th Ave., Sun City, free admission, willowbrookumc.org. The Christmas event features more than 100 tables of award-winning local artisans/vendors and the Kris

Mesa. Finish a project, share your techniques and ideas, and socialize with other craft enthusiasts in this bi-monthly meetup. All skill levels are welcome. Bring your own crafts and supplies.

November 9 Wednesday Get Crafty, 3 p.m., Mesa Express Library, 2055 S. Power Rd., Suite 1031

November 10 Thursday

Opening Evening of the Trains of Tempe Exhibit, 6:00 p.m., Tempe History Museum, 809 E. Southern Ave., Tempe, free. This 1,200 square foot exhibit that examines the history of trains in Tempe and the surrounding communities. Enjoy live American Roots music, activities, refreshments and more at the opening. Valley Fever: The Silent Epidemic, 9 a.m. to 11 a.m., Banner Del E. Webb Medical Center Auditorium, 14502 W. Meeker Blvd., Sun City West, free, registration: 602-2302273. Craig Rundbaken, D.O. of the Respiratory & Valley Fever Clinic in Sun City West, will host an informational event ...continues on page 28

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November 2016 : : Lovin’ Life After 50 : : page 27

Calendar of events... from page 27 for attendees to learn about preventative measures to take regarding Valley Fever.

November 13 Sunday

Q&A with Michael Pollack, 6 p.m. to 8 p.m, Biltmore Financial Center, 2398 E. Camelback Rd. Ste. 180, Phoenix, $36 for professionals; $18 for students. Includes beer, wine and appetizers. Dietary laws observed. Register at jewishphoenix.org/pollackQA. Join the Jewish Federation of Greater Phoenix Business & Professionals Group to network and learn from real estate developer, philanthropist and entertainer Michael Pollack. November 11 Friday Greater West Valley Christian Women’s Connection Luncheon, 11:30 a.m., Briarwood Country Club, 20800 N. 135th Ave. (at Meeker Blvd.), Sun City West. To register: make check payable to CWC: $23 per person to Monica Page Petersen, 13339 W. La Terazza Drive, Sun City West, AZ 85375. Reservations must be postmarked no later than Thursday, Nov. 3. For further information, call Monica at 623-640-5420. Carol LeBeau, freelance journalist, motivational speaker and award-winning former TV news anchor will be the event’s guest speaker. November 12 Saturday

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A Caregiver’s Guide to Preparing for the Holidays, 10:00 a.m. - noon, Red Mountain Public Library, 635 N. Power Rd., Mesa, 602-839-6850 to register or visit balinfo@ bannerhealth.com. Learn how to minimize stress and maximize success during the holidays while caring for a loved with with dementia.

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page 28 : : Lovin’ Life After 50 : : November 2016

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6th Annual Honor Walk 2016, 7:30 am, Talking Stick Resort Arena, www.honorwalk.com. Presented by AZ Veterans Project, this annual event recognizes more than 670,000 Arizonans who have served our country in the military. November 14 Monday

MAY

MON

Chiles & Chocolate Festival at Desert Botanical Gardens, (Runs November 11 – 13), 10 a.m. to 5 p.m., $10-$22, 480-941-1225 or http://www.dbg.org. Delight your taste buds sampling luscious gourmet chocolates, zesty salsas and other unique southwestern treats while enjoying live music.

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Gardening Class, “On the Wing,” 10 a.m., Superstition Mountain Museum, 4087 N. Apache Trail (SR 88), Apache Junction, free, no reservations required, 480-9834888, superstitionmountainmuseum.org. Learn from master gardeners how to attract more birds to your garden and yard. ALOHA Walk, AZ Walk4Hearing – Hearing Loss Association of America (HLAA); Alliance team Adult Loss Of Hearing Association (ALOHA), Registration at 9:00 a.m., Walk begins at 10:00 am, Mesa Riverview Park, 2100 West Rio Salado Parkway, Mesa, registration: walk4hearing.org.. (Directions - Corner of N. Dobson Road & Rio Salado Parkway; Spring Training Home of the Chicago Cubs). Walkers bring local, state, and national awareness of the large and growing segment of our population with hearing loss and the ability of people with hearing loss to live full and productive lives. Fun for the whole family!

The Scottsdale Civil War Round Table meeting with Wayne Motts, 6:45 p.m., Scottsdale Civic Center Library Auditorium, 3839 N. Drinkwater Blvd., Scottsdale, 480699-5844, scottsdalecwrt.org. Wayne Motts will present the program “Fighting the Civil War: Historical Treasurer of the Conflict in the Collection of the National Civil War Museum.” Moonlight Serenade Dinner Dance, Doors open at 5 p.m., music at 5:30 p.m. Dinner at 6:30 p.m., Leisure World, 908 S. Power Rd, Mesa, at the Rec. 2 Hopi Pima Room. You will select one of two entrée choices when you register for the dance with Shirley Rake ...continues on page 30

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Calendar of events... from page 28 at moonlightserenade@cox.net or 515-313-3929 by November 8, $70 per couple, moonlightserenade.yolasite.com. Couples are welcome; The Myron Sommerfeld Orchestra will provide the dance music. Dress is formal: Tuxedo or coat/tie for men; cocktail or long dresses for ladies.

guests can enjoy live music by local duo 76th Street from 6:30 p.m. to 9:30 p.m. The Third Friday Chandler Art Walk includes both the traditional artist showcases as well as special author exhibits and literary-themed cocktails. November 19 Saturday

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“Around the World in 90 Minutes,” 11:30 a.m., Gateway Community College Amphitheater , 108 N. 40th St., Phoenix, free admission. In this annual award-winning event, students, staff and faculty will represent eight regions of the world with food, drinks and live music.

G-scale Model Train Exhibit Dedication and Opening, 9 a.m.to 4 p.m., Superstition Mountain Museum, 4087 N. Apache Trail, Apache Junction, free, 480-983-4888, superstitionmountainmuseum.org. Family fun with model train exhibits and booths, all-day live music and food. Sun City West Dance Clubs: Let’s Dance! 6:30 p.m. to 9:30 p.m., Palm Ridge Summit Hall, 13800 W Deer Valley Dr., Sun City West, Admission: $6 members, $8 guests; Bring your own refreshments; ice and cups provided, 602679-4220 or www.rocknroll.scwclubs.com. A ‘60s and ‘70s Rock ‘n Roll Dance party. Sunland Village Fall Arts and Crafts Fair, 9 a.m. to 3:00 p.m., 4601 E. Dolphin Ave., 480-832-9003, free admission. More than 100 vendors, food and music! November 20 Sunday

Cooking Demonstration, Ironwood Cancer & Research Centers, 5 p.m. to 6:30 p.m., 8880 E. Desert Cove Ave., Scottsdale, Register with Jenny Billiard, LMSW 602-5884367 www.ironwoodcrc.com. November 17 Thursday Let’s Eat: Mature Mavens Dinner, 5 p.m., contact Bunnye at 602.371.3744 for current schedule of restaurants and to reserve your place. Meet for dinner, socialize and make new friends; separate checks. Discussion with the Rabbi, 11 a.m. to noon, Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale, reservations recommended. Contact Chani at 602.492.7670 or chani@sosaz.org. Join Rabbi Levi Levertov for stimulating discussion on Judaism; a collaboration with SOS.

Self-Defense, noon to 2 p.m., Valley of the Sun JCC, 12701N. Scottsdale Rd., Scottsdale, $25 for members, $40 for non-members, 480.481.7015 or healthandfitness@ vosjcc.org. Learn life-saving defense techniques and how to incorporate safety into your daily routine. November 21 Monday

November 18 Friday

䄀䐀唀䰀吀䔀一吀刀䔀䔀匀 ␀㄀㐀⸀㤀㤀簀䌀䠀䤀䰀䐀䔀一吀刀䔀䔀匀 ␀㔀⸀㤀㤀搀椀氀氀漀渀ᤠ猀䀀琀栀攀稀漀漀㄀㘀㌀㌀㔀眀渀漀爀琀栀攀爀渀愀瘀攀氀椀琀挀栀昀椀攀氀搀瀀愀爀欀Ⰰ 愀稀㘀㈀㌀⸀㔀㌀㔀⸀㐀㈀㐀㤀搀椀氀氀漀渀ᤠ猀琀栀甀渀搀攀爀戀椀爀搀㠀㜀㘀眀琀栀甀渀搀攀爀戀椀爀搀爀搀瀀攀漀爀椀愀Ⰰ 愀稀㘀㈀㌀⸀㤀㜀㤀⸀㔀㌀㔀㌀

搀椀氀氀漀渀ᤠ猀愀爀爀漀眀栀攀愀搀㈀㔀㠀㔀渀㔀㤀琀栀愀瘀攀最氀攀渀搀愀氀攀Ⰰ 愀稀㘀㈀㌀⸀㔀㘀㘀⸀㠀㄀搀椀氀氀漀渀ᤠ猀䈀愀礀漀甀瀀氀攀愀猀愀渀琀栀愀爀戀漀爀洀愀爀椀渀愀㐀㈀㈀渀㠀㜀琀栀愀瘀攀㤀㈀㠀⸀㔀㄀⸀㈀㈀㈀㜀

圀圀圀⸀䐀䤀䰀䰀伀一匀刀䔀匀吀䄀唀刀䄀一吀⸀䌀伀䴀 page 30 : : Lovin’ Life After 50 : : November 2016

最攀琀㄀昀爀攀攀氀戀漀昀猀洀漀欀攀搀琀甀爀欀攀礀眀椀琀栀琀栀攀瀀甀爀挀栀愀猀攀漀昀㈀瀀椀渀琀猀⸀ 一伀吀嘀䄀䰀䤀䐀圀䤀吀䠀䄀一夀伀吀䠀䔀刀伀䘀䘀䔀刀匀⸀ 漀渀攀挀漀甀瀀漀渀瀀攀爀琀愀戀氀攀⸀ 渀漀琀瘀愀氀椀搀漀渀挀愀琀攀爀椀渀最漀爀搀攀爀猀⸀ 䔀堀倀䤀刀䔀匀㄀㄀⼀㌀⼀㄀㘀

Author Walk at the Chandler Art Walk, 6 p.m., 3 S. Chandler Blvd., Chandler, free; vendors are located in Dr. A.J. Chandler Park as well as along San Marcos Pl. Additionally,

Let’s Appreciate Art, 11 a.m. – noon, Valley of the Sun JCC, 12701 N. Scottsdale Rd., Docent: Rona Kasen. Information: Harriet at 480.481.7033 or harrietc@vosjcc.org. Share the world of art with docents from the Phoenix Art Museum. Explore Famous Photographs & Stories. ...continues on page 38

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Got an event?

Include it in this list by sending your info to info@lovinlifeafter50.com

November 22 Tuesday Parkinson’s PWR!Moves 1TM (Tues., Nov. 1, 8, 15, 22 & 29), noon – 1 p.m., $5 for non-members. Information and registration: 480.481.7015 or healthandfitness@ vosjcc.org. This entry-level class features tailored exercises that target motor- and non-motor PD symptoms and improve functional movement. Schmooze & Pastry with Chani, 11 a.m. – noon, Valley of the Sun JCC, 12701 N. Scottsdale Rd., Registration: contact Chani at 602.492.7670 or chani@sosaz.org. Enjoy homemade pastries and stimulating conversation with Chani. A collaboration with SOS. November 23 Wednesday

ments; ice and cups provided, 602-679-4220 or www.rocknroll.scwclubs.com. A ‘50s and ‘60s Rock ‘n Roll Dance party. November 26 Saturday Old-Fashioned Christmas in the Barn Arts and Crafts Boutique, 9 a.m. to 4 p.m., Superstition Mountain Museum, 4087 N. Apache Trail, Apache Junction, free, 480-983-4888, superstitionmountainmuseum. org. Amid old-fashioned Christmas decorations vendors, there will be unique handmade gift items and more. November 28 Monday Multiple Myeloma Support Group, 1 p.m. to 2:30pm, Ironwood Cancer & Research Centers, 8880 E. Desert Cove Ave., Scottsdale, register with Jenny Billiard, LMSW, 602588-436, www.ironwoodcrc.com.

Nature Connects®: Art with LEGO Bricks, 9 a.m. to 5 p.m., every day through January 2, 2017, 455 N. Galvin Parkway, Phoenix, 602- 286-3800, price included with daytime Zoo admission. Take the grandkids for this award-winning, record-breaking exhibition currently touring across the country. Created with more than 1 million LEGO® pieces, the show features 27 animal and flora sculptures on the Phoenix Zoo’s trails, built with LEGO bricks thanks to the vision of esteemed artist Sean Kenney. November 24 Thursday Mesa Turkey Trot, Race Day Registration begins at 7 a.m., 8 a.m.: 1 Mile Fun Run/Walk; 2 Mile Fun Run/ Walk: 8:15 a.m.; 10K Run: 9:00 a.m., Red Mountain Park, 7745 E. Brown Rd., Mesa, register at www.chronotrack. com/r/22779. This long-standing turkey day run has fun for all ages and levels. Walk, run or stroll before the tryptophan sets in! November 25 Friday Sun City West Dance Clubs: Let’s Dance! 6:30 - 9:30 p.m., Palm Ridge Summit Hall, 13800 W Deer Valley Dr., Sun City West, Admission: $6 members, $8 guests; Bring your own refresh-

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American Cancer Society: Look Good,≠≠ Feel Better (for Cancer Patients), 4 p.m. to 6 p.m., 1432 S. Dobson Rd. #106, Mesa, Register: Sandra Surgeon 480-855-2224, www.ironwoodcrc.com. Join this two-hour, hands-on workshop and enjoy a detailed description and demonstration of the 12-step skin care and makeup program. Includes instruction on options relating to hair loss, including wigs (types/ care), turbans, and scarves, nail care and helpful suggestions on clothing and ways to use flattering colors and shapes, as well as ways to camouflage areas of concern during cancer treatment. November 29 Tuesday Imprint Exhibition by Alexandra Bowers and Mary Meyer, All day, Art Intersection, 207 N. Gilbert Rd., #201, Gilbert. Celebrate the work of two Arizona artists, Alexandra Bowers and Mary Meyer, whose marks, clearly seen in every delicate handmade impression, reflect the artists’ touch and time devoted to their creations. November 30 Wednesday Adult Coloring Club, 6:00 p.m., Dobson Ranch Library, 2425 S. Dobson Rd., Mesa, free admission. Come and experience the latest trend in relaxation: adult coloring! Studies show coloring can have a calming effect on the adult mind and helps promote overall wellness. Coloring pages designed especially for adults will be provided or you may bring your own.

November 2016 : : Lovin’ Life After 50 : : page 31

Entertainment Tinseltown Talks

One of Britain’s ﬁnest: Stephanie Cole

By Nick Thomas

This year, that summer theatrical diversion was a production of “King Lear” at the Bristol Old Vic Theatre (see www.bristololdvic.org.uk). “It’s their 250th anniversary making it the oldest continually working theatre in the British Isles,” explained Cole. “For this year’s King Lear production they used third-year students in all the roles except for Lear, Gloucester, and the Fool — I played the Fool! But it was very special for me.” Cole began her career at the Bristol Old Vic Theatre School in the 50s and rubbed shoulders with theater greats including Laurence Olivier. An encounter at a small comedy theater early in her career was especially memorable. “A gentleman came backstage and

merican audiences were introduced to British actress Stephanie Cole when she portrayed grumpy, sharp-witted Diana Trent, a resident of the Bayview Retirement Village in the 90s sitcom “Waiting for God.” A decade later, Cole was back on U.S. Public Television playing a more congenial matriarchal character in another popular British comedy import, “Doc Martin.” Turning 75 last month, Ms. Cole’s current work schedule might be the envy of many actors. “I’m in two popular series (‘Man Down’ and ‘Still Open all Hours’) and do one in the spring and the other in autumn,” said Ms. Cole from her home near Bath, west of London. “That gives me time to ﬁt a play in between.”

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page 32 : : Lovin’ Life After 50 : : November 2016

51st Avenue | 4 Miles South of Baseline

wanted to visit someone in the dressing room. I recognized him immediately as John Gielgud. I led him to the room and as I raised my hand to knock on the door preparing to announce him, I turned and asked ‘Who shall I say it is?’ He said ‘It … it’s John Gielgud.’ I said ‘Yes, yes, of course, I’m sorry’ and felt an utter twit, but was so thrilled to be face-to-face with such a great actor.” In the early 80s, Cole’s big TV break came in “Tenko,” a sobering BBC drama that followed the hardships of women prisoners held in internment camps after the Japanese invasion of Singapore in 1942. “When you’re seen every week in a very popular series it changes your career,” she said. While “Tenko” is less known in the U.S., it was “Waiting for God” that made Cole a household name to public television viewers across the country. “I laughed when I ﬁrst read the script and knew I wanted the part,” said Cole. “I thought it was wonderful to have two elderly characters in the starring roles. Parts for older actors and actresses are often not interesting or their characters are just there to be made fun of.” Cole became a patron of British Age Concern, an organization that offers support and services to seniors. She also worked with the British Schizophrenia Fellowship, and for all her work was awarded an O.B.E.

“I’m not sure if I made an impact,” she said modestly, “but it would be nice if I did.” Beginning in 2004, Cole appeared in the first four seasons of “Doc Martin” playing aunt to star Martin Clunes. The show was filmed on the beautiful Cornwall coast, but Cole’s involvement was bittersweet. “My husband was ill when we filmed the first series and I signed on with the proviso that if he got worse they would immediately release me,” she explained. “Unfortunately he did and I had to rush back home, but sadly he died. So although I worked with wonderful people in a beautiful setting, the show is not something I look back on with particular joy as it was such a sad and difficult personal time for me.” But there was no hint of trepidation surrounding her October birthday, an anniversary she says means less and less. “After a certain age you don’t feel old in your head, although your body might occasionally remind you!” she laughed. “The passage of time, to coin a phrase, is a matter of complete embuggerance as far as I’m concerned.” Nick Thomas teaches at Auburn University at Montgomery, Alabama and has written features, columns, and interviews for more than 600 magazines and newspapers.

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Entertainment

Trivia Contest By Kenneth LaFave

elcome to November, the 11th month of the year, despite a name that means “ninth.” Blame the Romans, who used to start their years in the month we call March. Official days in November include National Indian Pudding Day (Nov. 13), National Spicy Guacamole Day (Nov. 14), National Vichyssoise Day (Nov. 18) and National Eat a Cranberry Day (Nov. 23). I used to eat Vichyssoise; all my guacamole is spicy, and I love Indian Pudding, a hard-to-find concoction of corn meal and molasses. But I have never eaten “a cranberry.” Instead, I consume them in large bunches as relish or in scones. But… ah! Nov. 22 is National Cranberry Relish Day. Everyone knows that the fourth Thursday in November (that’s Nov. 24 this year) is Thanksgiving, but did you know it is also National Day of Mourning? This is observed by Native Americans on the same day as Thanksgiving to commemorate the landing of the Pilgrims at Plymouth Rock, which began a centuries-long displacement of Indian tribes. November birthdays include frontiersman Daniel Boone (Nov. 2), late great TV journalist Walter Cronkite (Nov. 4), Dracula author Bram Stoker and Gone with the Wind author Margaret Mitchell (both Nov. 8), General George S. Patton (Nov. 11), painter Georgia O’Keeffe (Nov. 15), astronomer Edward Hubble (Nov. 20), ragtime composer Scott Joplin (Nov. 24) and author of The Lion, The Witch, and the Wardrobe, C.S. Lewis (Nov. 29). It’s a history-rich month, not all of it good. Nov. 22 is, of course, the anniversary of the assassination of President John F. Kennedy in Dallas in 1963. On Nov. 20, 1789, New Jersey became the first state to ratify the Bill of Rights. Nov. 20, 1917, saw the first use of tanks in battle, when 300 tanks commanded by the British went into battle about the Germans. And Nov. 11 is Veterans Day, because on that date in 1918, World War I came to an end. The average high for November in Phoenix is 76 degrees Fahrenheit, and the average low is 52. Enjoy.

Month of October Questions

What branch of the U.S. military was founded on Nov. 20?

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2 3

Fill in the blank: “Remember, remember, the ___ of November.”

4 5

In the Guns ‘n’ Roses song, what is hard to hold “in the cold November rain”?

Garlic Mashed Cauliﬂower and Squash By Jan D’Atri

The above quote refers to an English holiday celebrating a man who tried to do what to parliament?

The ﬁrst Saturday used to be a day on which a woman could ask a man to marry her. What was it called?

To enter simply:

On a sheet of paper list the correct answers in order 1 through 5. Include your full name, mailing address, phone number and an email address (if you have one). Mail your trivia contest entry to: Lovin’ Life After 50 Attn: Trivia Contest 1620 W. Fountainhead Pkwy. Tempe, AZ 85282 Or email your entry to: trivia@lovinlife.com The deadline for entry is the 15th of each month. Please be sure to have your entry postmarked by that date. If you’re a winner in our drawing, we’ll contact you via telephone. Good luck!

Contest Prizes A certificate for a one-night stay at InnSuites

October 2016 Winners A certificate for a one-night stay at InnSuites Kim Anderson, Peoria A certificate for a one-night stay at InnSuites Linda Wolfe, Mesa

Last Month’s Answers

1 Gregory III 2 All the others 3 Charles Macintosh 4 Turnips 5 25 percent, or one quarter

ant to change up your weeknight or holiday menu just a bit? Why not replace mashed potatoes with two recipes that will have you forgetting about spuds in no time at all! Both the Garlic Mashed Cauliflower

and Sensational Squash slip right into the mashed side categories and you will be amazed at their flavor and appreciate their health benefits. These are two of my new favorites. Hope you enjoy!

Garlic Mashed Cauliflower and Squash 1 head cauliflower, cut into florets 1 tablespoon olive oil 1 tablespoon butter 1 clove garlic, smashed 1/4 cup grated Parmesan cheese 4 tablespoons (4oz or 1/2 package) cream cheese 1/2 teaspoon salt 1/2 teaspoon pepper Steam cauliflower in a saucepan using a small amount of water or by using a steamer in a saucepan, filling pan with water to just below the bottom of the steamer. Bring water to a boil. Add cauliflower, cover, and steam until

tender, about 10 minutes. Meanwhile, heat olive oil and butter in a small skillet. Over medium heat, cook and stir garlic until softened, about 2 minutes. DO NOT BURN GARLIC! Remove from heat. Transfer half of the drained cauliflower to a food processor. Blend on high. Add remaining cauliflower florets and blend until creamy. Blend in garlic, parmesan cheese, cream cheese, salt, and black pepper. Serve hot.

November 2016 : : Lovin’ Life After 50 : : page 33

Entertainment Even Exchange by Donna Pettman

Each numbered row contains two clues and two answers. The two answers differ from each other by only one letter, which has already been inserted. For example, if you exchange the A from MASTER for an I, you get MISTER. Do not change the order of the letters.

Sudoku Time Place a number in the empty boxes in such a way that each row across, each column down and each small 9-box square contains all of the numbers from one to nine.

DIFFICULTY THIS MONTH H H H Moderate HH Challenging HHH HOO BOY! HHHH Put on your helmet!

SCRAMBLERS

Across 1. Smoke above the tepee 5. Web site? 10. Army program 14. Brainstorm 15. Longest river in France 16. Fujairah bigwig 17. Paraphernalia 18. Older brother of Moses 19. Kill, in a way 20. Tucson Byway 23. Little buffalo 24. ‘ ’Dead Poets Society’’ director Peter 25. Correct faults 28. “The Matrix” hero 30. Man of La Mancha 34. “Cheers,” e.g. 36. Aggravate 38. Kimono sash 39. B iltmore Fashion Park dining choice 43. Common contraction 44. Pick __ or the other! 45. Is behind 46. Big birds 49. “ ___ the first cock crow” (Shak.) 51. Free from restraint 52. Flowering plant type- not a grass 54. Craving 56. Phoenix attraction 62. “Pipe down!” 63. Raccoon relative 64. Black bird 66. G uisado cooker, traditionally 67. Not fulfilled 68. Volcanologist’s study 69. Hammer’s end

Unscramble the letters within each rectangle to form four ordinary words. Then rearrange the boxed letters to form the mystery word, which will complete the gag!

page 34 : : Lovin’ Life After 50 : : November 2016

Crossword by Myles Mellor

... answers on page 56 1

34 39

30 37

52 57

45 49

38 41

29 36

23 25

51 55

61 65

42. Hymn 13. Swamp critter 70. Set 21. “The ___ the Innocence” 47. Knitted throw 71. Distinctive style Across 22. Alliance that includes Ukr. 48. Sun in Spanish 1.Down Smoke above the tepee 50. On cloud nine 25. Buzzing with activity Hair piece 5.1.Web site? 53. Happen again 26. What Mike Myers creates 2. Footnote 10. Armyword program 55. Politicians call for it 27. “Study” in French 3. Center of authority 14. Brainstorm 56. Clobber 29. Pillow filler 4. Manner of speaking 15. Longest river in France 57. Reign 31. L ike a pitcher’s 5. Rental car company 16. Fujairah bigwig 58. “Cast Away” setting perfect game 6. From a boy ___ 59. “That’s All Right, ___” 32. Printer’s daggers 17. Paraphernalia 7. Novice (Elvis hit) 33. Remove soap 18. Older brother of Moses 8. Some sculpture 60. Kind of exam 35. Dairy farm sound 9. Perfume a room 19. Kill, in a way 61. Cured Pacific salmon 37. Paramedic’s need 10.Tucson Admire and Byway respect 20. 65. Pasty 40. Singly and successively 11. Little Augur buffalo 23. Swathe 12. Long-tailedPoets monkeySociety''41.director 24. ''Dead Peter 25. Correct faults 28. "The Matrix" hero 30. Man of La Mancha 34. "Cheers," e.g. 36. Aggravate 38. Kimono sash 39. Biltmore Fashion Park dining choice 43. Common contraction 44. Pick __ or the other! 45. Is behind 46. Big birds 49. "___ the first cock crow" (Shak.) 51. Free from restraint 52. Flowering plant type- not a grass 54. Craving 56. Phoenix attraction 62. "Pipe down!" 63. Raccoon relative 64. Black bird 66. Guisado cooker, traditionally 67. Not fulfilled 68. Volcanologist's study 69. Hammer's end www.lovinlifeafter50.com

Entertainment Bingo Happenings-November 2016 Fort McDowell Casino Experience bingo in Fort McDowell Casino’s state-of-the-art and award-winning 1,700-seat bingo hall. WHEN: Seven days a week, various times WHERE: Fort McDowell Casino, 10424 N. Fort McDowell Rd., Fort McDowell COST: Charge for cards INFO: 800-THE-FORT, ext. 4380, or fortmcdowellcasino. com/bingo.php Vee Quiva Hotel and Casino Gamers who stop by Bingo Park enjoy picturesque National Park views in the state-of-the-art, 550-seat bingo hall. WHEN: Seven days a week, various times WHERE: Vee Quiva Hotel and Casino, 15091 S. Komatke Ln., Laveen COST: $2 to $32 INFO: 800-946-4452, ext. 1942, or wingilariver.com/ index.php/vq-vee-quiva-hotel-casino/gaming/bingo-park Lone Butte Casino The state-of-the-art and spacious bingo hall features 850 seats and has morning, matinee and evening sessions. The morning sessions include ﬁve regular games and two specials, with three for $10 and $1 specials. WHEN: Seven days a week, various times WHERE: Lone Butte Casino, 1077 S. Kyrene Rd., Chandler COST: $2 to $32 INFO: 800-946-4452, ext. 8928, or wingilariver.com/ index.php/lone-butte/gaming/bingo Sunland Village East Prize money will vary during the year based on attendance. WHEN: Sundays, at 6 p.m. WHERE: Sunland Village East Auditorium, 8026 E. Lakeview Ave., Mesa COST: Charge for cards varies to number purchase INFO: 480-986-9822 or 480-313-7033 Beuf Senior Center Moneyball, 10 regular games plus double action. WHEN: Mondays and Thursdays, sales start at 9:30 a.m. WHERE: Beuf Senior Center, 3435 W. Pinnacle Peak Rd., Phoenix COST: Starts at $4/pack, City of Phoenix Membership card or $5 guest INFO: 602-534-9743 Chandler Senior Center Bring a friend or make some new ones while enjoying some fun, laughter and prizes.

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WHEN: Mondays, Wednesdays and Fridays from 12:15 p.m. to 1:15 p.m. WHERE: Chandler Senior Center, 202 E. Boston St., Chandler COST: 50 cents per card. No limit on cards purchased. INFO: 480-782-2720 or chandleraz.gov/senior-adults Mesa Adult Center Twenty-one games, win up to $500 in losers’ bingo, social bingo and big game bingo. WHEN: Mondays, Wednesdays and Fridays, at 1 p.m. WHERE: Mesa Adult Center, 247 N. Macdonald St., Mesa COST: Various costs, call for pricing INFO: 480-962-5612 or http://mesa.evadultresources. org/ Social Bingo Join others during social bingo. WHEN: Mondays, from 1 p.m. to 3 p.m. WHERE: Apache Junction Active Adult Center, 1035 N. Idaho Rd., Apache Junction COST: 25 cents per card INFO: 480-474-5262 or http://aj.evadultresources.org/ Brentwood Southern There is a money ball; 17 games include three that are percentage payout. WHEN: Mondays, hall opens at 4:30 p.m., sale starts at 5:15 p.m. and bingo starts at 6:30 p.m. WHERE: Brentwood Southern, 8103 E. Southern Ave., Mesa COST: Varies according to games and number purchased INFO: 480-306-4569 Granite Reef Senior Center Everyone welcome. Enjoy 20 games of bingo with prizes. WHEN: Tuesdays from 12:30 p.m. to 3 p.m. WHERE: Granite Reef Senior Center 1700 N. Granite Reef Rd., Scottsdale COST: $1 per card; three-card minimum. No limit on cards purchased. INFO: 480-312-1700 or Scottsdaleaz.gov Devonshire Senior Center Devonshire Senior Center provides money ball, 10 regular games plus progressive coverall. Split-the-pot games are early birds and double action. WHEN: Tuesdays, Thursdays and Saturdays, sales start at 12:15 p.m. WHERE: Devonshire Senior Center, 2802 E. Devonshire, Phoenix COST: Starts at $2; must have City of Phoenix parks and

recreation membership card to be eligible to play. INFO: 602-256-3130 Red Mountain Active Adult Center Bingo seating begins at 12:50 p.m. WHEN: Tuesdays and Thursdays, from 1:15 p.m. to 3 p.m. WHERE: Red Mountain Active Adult Center, 7550 E. Adobe Rd., Mesa COST: Tuesdays there are various prices; Thursdays the cards are 25 cents INFO: 480-218-2221 or http://rm.evadultresources.org Peoria Community Center Prize money will vary based on attendance. WHEN: Tuesdays and Fridays, at 12:30 p.m. WHERE: Peoria Community Center, 8335 W. Jefferson, Peoria COST: 25 cents per card; 50 cents for overall INFO: 623-979-3570 Community Bingo The 200-seat bingo hall open Wednesdays through Sundays in Goodyear. The building—new and well-lit— features Ana’s dinners and desserts. WHEN: Wednesdays through Sundays, at 6:30 p.m.; Fridays, at 10:30 p.m.; and Sundays, at 2 p.m. WHERE: Community Bingo, 3690 S. Estrella Pkwy., Suite 108, Goodyear COST: $21 (includes progressive) for 18 games; $14, late night and matinee for 13 games. INFO: 623-512-8878 Sun Lakes VFW Post 8053 The organization holds bingo for up to 230 people. Payouts are based on sales; total may reach $900. All

proceeds go to veteran needs, including homeless veterans, disabled veterans and military families. WHEN: Wednesdays, at 7 p.m. Sales start at 6 p.m. WHERE: Sun Lakes Country Club, 25601 N. Sun Lakes Blvd., Sun Lakes COST: $7 minimum for play of all 19 games INFO: 480-895-9270 Sunland Village Auditorium doors open at 4:30 p.m., cards are sold at 6 p.m. and play begins at 7 p.m. There’s a $900 progressive pot. WHEN: Thursdays in May WHERE: Sunland Village Auditorium, 4601 E. Dolphin Ave., Mesa COST: Charge for cards varies according to number purchased INFO: 480-832-9003 Palmas del Sol Come join the group to play Bingo weekly. Bingo doors and snack bar open at 5:15 p.m. WHEN: Thursdays, at 6:30 pm. WHERE; Palmas del Sol, 6209 E. McKellips Rd., Mesa COST: Charge for cards varies according to number purchased. INFO: 480-528-4689 Sunrise Village Join the group to play bingo weekly. The cards start selling at 5:45 p.m., early bird at 6:45 p.m., and regular bingo at 7 p.m. WHEN: Fridays, at 5:45 p.m. WHERE: Sunrise Village, 5402 E. McKellips Rd., Mesa COST: $13 minimum buy in INFO: 480-985-0548

Got a bingo event? Include it in this list by sending your info to info@lovinlifeafter50.com

November 2016 : : Lovin’ Life After 50 : : page 35

WORKSHOP OVERVIEW BY SECTION

P™ DETAILS WHAT EVERY WORKSHOP ATTENDEE RECEIVES • • • • • • • •

6 hours of interactive classroom instruction An in-depth Social Security Benefit Analysis Individual workbooks for each day’s workshop Comprehensive list of available on line retirement resources Recommended reading material Fillable budget worksheets Guide to Medicare costs and benefits List of 8 basic estate planning documents

MODULE 1

MODULE 4

RETIRING IN TODAY’S WORLD

PROTECTING AGAINST MARKET LOSS

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• Why “win by not losing” should be every retiree’s investment philosophy • Two main types of investment risks you must avoid at all costs • Identifying what assets are at risk, principal protected and principal guaranteed • Why protecting your principal is more important than great returns in retirement • Examining traditional approaches to risk management and how they perform in today’s market • Using technology to replace outdated portfolio approaches • How to build a comprehensive portfolio that protects you from market volatility • Designing efficient income streams from your portfolio

MODULE 2 RETIREMENT TAX STRATEGIES

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EACH WORKSHOP CONSISTS OF TWO SESSIONS

• Setting up your current 401 (k) properly • Why 401 (k)s and IRAs could negatively affect your retirement income • Examining the three types of tax accounts and how to maximize the benefits of each • Effects of losing tax deductions in retirement • Why you may need as much or more income in retirement • Why experts believe tax rates will increase dramatically • Why our nation’s spending and debt have a direct effect on your retirement income • Whether a Roth Conversion is right for you and how to do it efficiently and painlessly

MODULE 5 SOCIAL SECURITY PLANNING

• When and how you should take your benefits to maximize longterm income • Updated Social Security strategies and how they relate to you • What causes your benefits to be taxed • Strategies to prevent your Social Security from being taxed • Explanation of provisional income MODULE 6

MODULE 3 DISTRIBUTION PLANNING

• What are Required Minimum Distributions • Strategies to eliminate Required Minimum Distributions • Why the 4% Rule will not work in today’s environment • The importance of liquidating accounts in the correct order • How the sequence of your investment returns may dramatically impact your savings and how to get it right

ESTATE PLANNING AND LONG TERM CARE OPTIONS

• Options to pay for long term care events • Current Medicaid spend down rules • Alternate options for long term care protection • How to plan for incapacity • How to set up proper legal control over IRAs, 401 (k)s or retirement benefits in the event of incapacitation • Pros and cons of wills and trusts

WORKSHOPS HELD AT THE FOLLOWING LOCATIONS: SCOTTSDALE COMMUNITY COLLEGE

ASU SKYSONG

PARADISE VALLEY COMMUNITY COLLEGE

MESA COMMUNITY COLLEGE

GLENDALE COMMUNITY COLLEGE NORTH CAMPUS

MARICOPA CORPORATE COLLEGE

VISIT ONLINE TO FIND A DATE THAT WORKS FOR YOU!

All Maricopa Community Colleges and Arizona State University are not affiliated with the event and should not be contacted regarding the program. Investment advisory services are offered through Brookstone Capital Management, LLC, an SEC Registered Investment Advisor. URA Group is not affiliated with Brookstone Capital Management.

page 36 : : Lovin’ Life After 50 : : November 2016

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RETIREMENT ENGINEERING WORKSHOP™ 2-Day Workshop for Adults Ages 50-70

Scottsdale Community College ASU - SkySong Paradise Valley Community College Mesa Community College Glendale Community College North Campus Maricopa Corporate College Visit myretirementclass.com for class schedule

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“WHAT YOU DO TODAY WILL IMPACT ALL OF YOUR TOMORROWS” Before relying on retirement advice from biased sources, learn the basics as well as the intricacies of the retirement process from trusted, reliable, unbiased retirement fiduciaries in an interactive, professional environment. The C.O.R.E. workshop compares the old retirement paradigms with the new by discussing up-to-date strategies for maximizing Social Security benefits and Required Minimum Distributions from retirement accounts. In addition, the workshop offers in-depth information on future income tax issues, principal protection investing, Roth Conversions, account distribution issues and much more. This workshop will change the way you look at retirement!

WHO SHOULD ATTEND Discover what hundreds of Valley residents have learned by attending the two-day C.O.R.E. Retirement Workshop. You will find this acclaimed workshop relevant whether you are developing a retirement plan, nearing retirement or currently retired.

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You only get one chance to get retirement planning right. C.O.R.E. will help you achieve your ideal retirement. All Maricopa Community Colleges and Arizona State University are not affiliated with the event and should not be contacted regarding the program. Investment advisory services are offered through Brookstone Capital Management, LLC, an SEC Registered Investment Advisor. URA Group is not affiliated with Brookstone Capital Management.

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November 2016 : : Lovin’ Life After 50 : : page 37

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Cliff Palace is the largest dwelling in Mesa Verde. It contains 150 rooms and once housed approximately 100 people.

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take a deep breath, reach for the side rails, and scramble up a ten-rung ladder. There before me is a small city, tucked into a shelf on a canyon wall, protected by a huge overhang. Some of the buildings are circular, like tall towers. Others are rectangular, with sharp, crisp angles; all are made of sandstone bricks and have small, open windows. I’m in the Cliff Palace at Mesa Verde National Park, one of only 59 places that the United States Congress has declared worthy of this designation. Here in the southwest corner of Colorado, using nothing but rocks and sticks as tools, an ancient people created not only a city, but an entire society. They farmed, prayed, made pottery and wove sandals for approximately 700 years, from roughly 600 to 1300 AD. There are more than 600 archeological sites at Mesa Verde, ranging in size from small one-room huts to large multi-storied compounds. They are so unusual, so well preserved and awe-inspiring, that in 1906 President Theodore Roosevelt signed a special Mesa Verde National Park Bill, granting protected status to the 52,000-acre site. Ten years later the National Park Service was created to oversee the 84 million acres set aside “to preserve unimpaired the natural and cultural resources and values of [this country] for the enjoyment, education, and inspiration of this and future

generations,” and Mesa Verde was officially put under the jurisdiction of the new agency. Today Mesa Verde is the only national park devoted exclusively to archeological remains and one of only fourteen national parks also designated as a World Heritage Centre. Several of the remains are visible from roadside overlooks; a few can be explored independently; others can only be visited during ranger-led tours. My husband and I begin with a tour through Cliff Palace, Mesa Verde’s largest cliff dwelling. We climb uneven steps and ladders, peer into alcoves, look down into kivas (circular structures used for religious, ceremonial or political purposes), and marvel at the architectural skill as well as the communal structure that existed so many years ago. The actual walk through Cliff Palace is short, only about a quartermile round trip, and the steps, though uneven, aren’t that steep. But the park is approximately 7,000 feet above sea level, meaning that the air is thin and short walks seem long. For those who are reasonably fit — and who’ve taken a few days to acclimate themselves to the high elevation — the tour is worth every huff and puff. After Cliff Palace, we’re ready to tackle a more difficult site. A sign at the Visitor Center encourages folks “to

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What’s more, the Navajo word for begin the day as the Ancestral Pueblo people have for generations.” I like the “ancient” can also be translated as “enemy,” and today’s idea of getting into Pueblo people are the skin of ancient understandably people and am all reluctant to have ready to sign up for their ancestors a tour of the Balcony described not only House, when I read by a Navajo word that I’ll not only but by one that can have to climb a 32be interpreted as foot ladder, but I’ll meaning an enemy. also have to crawl “That’s why we through an 18-inchnow call the cliff wide tunnel. It occurs dwellers ‘Ancestral to me that far from Puebloans,’” says getting into the skin a park ranger. “It’s of the ancients, my a more accurate hips might not even description of who get into the tunnel. they were.” Point I convince my well taken, although husband to go to personally, I could Wetherill Mesa have found an even instead so we can see better description. Step House on a self“Genius” is the one guided exploration that immediately that’s open to people of all ages — and Visitors to Cliff Palace must climb five 8 comes to mind. presumably all hip to 10 foot tall ladders. For an expanded widths — as long as they can carry a version of this article as well as information on half gallon of water. This is definitely other Colorado attractions, see our companion more my style. website: www. traveltizers.com No one knows exactly why the ancient folks left the dwellings they’d so carefully constructed, but for the Pueblo people of the Southwest, who they were is no mystery at all. They claim the cliff dwellers as their ancestors. Anasazi, the word previously used when referring to the inhabitants of Mesa Verde, is a Navajo word, given to them by those who discovered the deserted dwellings in the 1880s. It means “ancient ones,” but it implies, say today’s Puebloans, that the ancient ones were ancestors of the Navajo people Mesa Verde has abundant wildlife, from the rather than of the Puebloans. Yellow-collard lizards to bobcats and spotted owls.

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November 2016 : : Lovin’ Life After 50 : : page 39

COURTESY: HANS HEDEMANN SURF SCHOOLS

How to Catch a Wild Wave

Surfing lessons in the land of Aloha

No, not me, that’s Hans doing what he does best

By Ed Boitano

COURTESY: HANS HEDEMANN SURF SCHOOLS

The iconic Turtle Bay Resort on the fabled North Shore of Oahu

I had become one with the wave. To be honest, I couldn’t quite believe I had even made it up. But here I was, a rookie surfer, riding the 20-foot crest of a monster wave with the Hawaiian sun at my back. Some of my companions at the surf school waved and shouted in encouragement, others just rested on their boards, watching in awe. But I was not to be distracted; I was committed to riding this baby to the end. As I headed towards the shore, little heads peered out the water. On closer inspections, I could see they were jagged rocks. This I was not ready for. Should I force a fall or take my chances through the rocks? With the adrenaline pumping, I headed towards the rocks, when suddenly out of nowhere ... A deafening crash consumed my world. I jolted up in bed. The room steward at the Turtle Bay Resort had dropped a plate outside my room on the hallway

ﬂoor. I glanced at my alarm clock: 5:05 a.m. I had a few more hours before I was to begin my first surfing lesson at the Hans Hedemann Surf School on the North Shore of Oahu. I wondered if I could go back to sleep.

Back Story Surfing has long been a central part of ancient Polynesian culture. When Tahitians migrated to Hawaii, they brought with them the paipo (belly) board, which allowed them a quick way to get ashore with their daily catch. The art of wave riding upright on long boards was perfected in Hawaii and is considered the true birthplace of surfing. Hawaiian royalty were the most skilled surfers in the villages with the best beaches reserved for them alone. The rest of the villagers were not allowed on the same beaches, but could gain prestige among the populace by their own mastery of wave riding. The sport of surfing was popularized by Olympic swimmer Duke Kahanamoku in the 1920s, whose statue rests on Waikiki’s waterfront. Today Hawaii is regarded as the surfing capital of the world. Hans Hedemann Surf School When the clock struck seven, the monkey-wrench tightening in my gut

page 40 : : Lovin’ Life After 50 : : November 2016

reminded me that I was to meet Hans Hedemann and staff in an hour at his office located right at the hotel. Why was I so nervous? Yesterday, watching surfers on the North Shore’s world-famous surf beaches - Sunset Beach, Banzai Pipeline, Waimea - it all looked so, well, easy. Handshakes were exchanged between the seven rookie surfers and surf school staff. Hans, a remarkably charismatic man, made a personal connection with each participant, immediately put everyone at ease. Born and raised in the Hawaiian Islands, Hans spent 17 years on the pro surfing tour circuit, winning many distinguished competitions, including the first person to win back to back ASP World events. Interestingly, his reason for starting the schools (he has another on Waikiki) is that his initial introduction to surfing as a boy was an unsuccessful and negative experience. At the end of his years on the pro tour he realized the importance of proper surf instruction. In 1997, he launched the schools to also enrich the authentic Hawaiian surfing experience. Beginner, intermediate and advanced surfers of all ages are welcome to attend his schools. Surﬁng USA The group was led down to the beach where we were instructed on proper water safety, and then given drills on the techniques that we would later use. Before I knew it, we were in the water. Surfing begins with climbing on your board and paddling out to waves on the horizon. Our instructors would maneuver us so that we were facing the shore. Then,

when a wave arrives, they’d give the board a push, matching the wave’s speed. Once the wave starts to carry you and the board, you jump to your feet and ride down the face of the wave, staying just ahead of the breaking part “white water” in a place referred to as “the pocket.” I was textbook prepared, but quickly learned that the surfer expressions, “cutback,” “tube riding” and “hanging ten” were not destined to be part of my own personal experience that day. My goal: simply to stand up on my board and ride a wave. Countless times Hans would patiently push me out to the pocket, and countless times I would fall. He was relaxed and encouraging, diligently critiquing my moves and giving me pointers. In between waves, I asked another instructor, “What made him settle in Oahu? “I was visiting the North Shore,” he replied. “And I fell in love with a wave.” Such is the passion of the surfer in their quest to find the perfect wave, making surfing a major component to today’s travel industry. Did I ever make it up? Well, yes. I did make it up once. It was probably only for five seconds, but the memory of that sensation that will stay with me for an eternity. I really had, at least momentarily, become one with the wave. Perhaps it was love at first sight. Hans also has surf schools at the Park Shore Hotel Waikiki, New Otani Kaimana Beach Hotel and Kahala Hotel & Resort. For further information about the Hans Hedemann Surf Schools, visit www.hhsurf.com

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ADVENTURE TOURS & TRAVEL

To advertise in this section, contact Ed Boitano at 818.985.8132 or Ed@TravelingBoy.com

TREKS, TOURS, WORLD-CLASS DESTINATIONS & MORE v Compiled by Ed Boitano HAWAII BANYAN HARBOR RESORT, Managed by OLS Hotels & Resorts, is exceptionally suited to accommodate couples, groups and families for your Kauai vacation. Each tropical vacation rental offers separate living, dining, and sleeping areas, plus fully-equipped kitchen. With amenities that include a salt heated pool, barbecue grills, tennis court, and shuffleboard, the Banyan Harbor Resort offers your perfect central island location for your next Kauai vacation. Ask about our $129 special for two-bedroom, fully-equipped condominiums. Add a car rental for only $29 per day. (800) 422-6926 or www.Vacation-Kauai.com THE ESTATES OF TURTLE BAY – Nestled on the unspoiled North Shore of Oahu, The Estates of Turtle Bay is where your dreams of a perfect Hawaiian vacation come true with fun filled days and nights to remember. Our rental condominiums are located in the center of one of the two championship 18 hole golf courses on the grounds of Turtle Bay Resort. Enjoy spacious and well equipped condominiums, complete with a full size kitchen, stove, refrigerator, dishwasher, microwave, washer/ dryer, telephone, and cable TV The Estates are only minutes away from swimming, surfing, snorkeling, or just plain relaxing on the miles of pristine sandy beaches. (888) 200-4202; etbinformation@gmail. com or www.turtlebay-rentals.com

HANALEI COLONY RESORT - Nestled on a secluded stretch of golden beach, set against the magnificent mountains of Kauai’s north shore, our intimate resort offers much more than just a place to stay. Hanalei Colony is an escape for those seeking a break from modern-day stress. A retreat for renewal and illumination. A romantic interlude for couples. An extraordinary getaway for travelers of all ages in one of the most beautiful settings imaginable. MANA KAI MAUI - Welcome to Mana Kai Maui, “Where Heaven Meets Earth.” We offer 51 one and two bedroom ocean front condominiums and hotel style units. The mile long Keawakapu Beach is literally at your doorstep. Enjoy our many complimentary services; daily maid service, pool towel exchange, free parking, free Wi-Fi access, on site restaurant and deli, free local phone calls and whales (seasonal), Free pass to a local fitness center, gas BBQ grills. Mana Kai Maui has everything to help create your perfect vacation and make you feel right at home. (800) 525-2025 or www.ManaKaiMaui.com SHORELINE HOTEL WAIKIKI is a modern boutique hotel with classic island-chic style, just 2 blocks from the beach and upscale shopping. Choose from 135 rooms, designed with sleek, minimalist interior design that accents ample natural light each with their own private lanai. The property features

BANYAN HARBOR VACATION CONDOS Banyan Harbor RESORT

Heavenly Organic Restaurant and lounge and an outdoor rooftop pool with panoramic view of the Pacific Ocean. Shoreline Hotel Waikiki is within two blocks of Royal Hawaiian Center and The International Market Place. www.shorelinehotelwaikiki.com or (808) 931-2444 VIVE HOTEL WAIKIKI - Located in the heart of Waikiki, just a short two-block walk to the best beach in Waikiki, and a three-minute walk to International Marketplace. Each guest enjoys complimentary Wi-Fi, complimentary enhanced continental breakfast, complimentary beach gear (including boogie boards). All guest rooms include flat screen HDTV, refrigerator, safe, remote controlled air conditioners and mountain, city or ocean views. NO RESORT FEE. (808) 687-2000 or www.vivehotelwaikiki.com WAIKIKI RESORT HOTEL puts you in the heart of Waikiki Hawaii, within walking distance of silky, white sands, renowned shopping and incredible attractions and activities. The three-star Honolulu beach resort features 275 hotel rooms and suites, outfitted in tropics-inspired furnishings and deluxe amenities, including mini refrigerators, high-speed Internet access and 32” HD LCD TVs. Enjoy two onsite restaurants, bar and lounge, outdoor pool, hotel shops and more. Consider Waikiki Resort Hotel when seeking hotels that offer comfort, convenience and value. (800-367-5116) or www.waikikiresort.com (808) 931-2444 • www.shorelinehotelwaikiki.com

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Where your dreams of a perfect Hawaiian vacation come true. (888) 200-4202 | (808) 293-0600 | www.turtlebay-rentals.com

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Award Winning Lifestyle Boutique Hotel, 2 blocks off the beach, in the heart of Waikiki. Free Wi-Fi, Continental Breakfast. Modern guestrooms with mountain, city or ocean views. Top 10 in TripAdvisor – NO RESORT FEES

Where Heaven Meets Earth

1-800-525-2025 www.ManaKaiMaui.com

November 2016 : : Lovin’ Life After 50 : : page 41

ALASKA ALASKA CRUISES AND VACATIONS BY TYEE TRAVEL - What kind of cruise is right for you? From casual same AFTER 50ll-ship cruises to elegant luxury ships, Alaskans at Alaska Cruises & Vacations have experience and first-hand knowledge to plan your perfect cruise. Customize a land tour to make your journey complete. For advice from Alaskans who cruise themselves, go online at www.akcruises.com or call (800) 977-9705 CORDOVA – Intentionally off the beaten path. Cordova, Alaska is an authentic commercial fishing town nestled in the heart of a spectacular wilderness, shaped by its dramatic natural setting, rich cultural heritage and colorful residents. In 2016 and 2017, let Cordova become your base of operations for an unforgettable Alaskan adventure. Go hiking, fishing, birding, boating, kayaking, or travel to other parts of the state. (907) 424-7260 or www.cordovachamber.com SEWARD CHAMBER OF COMMERCE - Known as the ‘Gateway to Kenai Fjords National Park’ Seward is a picturesque town located 126 miles south of Anchorage. Discover our bustling harbor and historic downtown filled with quaint shops and art galleries. Experience trophy sport fishing, glacier and wildlife cruises, sailing, hiking, kayaking, flight seeing and more. A wide range of accommodations, restaurants, RV parks, tent camping, and visitor services are available. (907) 224-8051 or www.Seward.com NINILCHIK SALTWATER CHARTERS is the premier fishing charter business on the Kenai Experience Our Honolulu Beach Resort A three-star Honolulu beach resort located within walking distance of Waikiki Beach

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Peninsula. Nestled in the Russian fishing village of Ninilchik, we have the knowledge, experience, and are second to none when it comes to customer satisfaction. The world’s largest halibut have been taken off of Cook Inlet from the shores of Ninilchik. Enjoy a preferred fishing location in a truly Alaskan setting with picturesque beauty, Native and Russian history, and abundant wildlife. (800) 382-3611 or AlaskaBigFish.com TUNDRA TOURS – TOP OF THE WORLD HOTEL - Welcome to Barrow, Alaska, the northernmost city in the United States! Packed with excitement and exhilarating adventures, tourists come from around the world to experience this unique Arctic region. When you stay at the Top of the World Hotel, you can maximize your trip by enjoying easy access to some of the top things to do in Barrow, Alaska. Head out for an impressive visual experience, or take in some history at the Iñupiat Heritage Center. Most importantly, be sure to experience our new Winter Tours, departing from the hotel, including the Whale Bone Arch and Arctic Ocean visits. Put us on your Bucket List today. (800) 478-8520 or www.tundratoursinc.com

CALIFORNIA BIG SUR LODGE is located in ancient groves of redwood and oak trees in Pfeiffer Big Sur State Park, Big Sur, California. Guests are invited to step back in time to an earlier, more peaceful era. Our 61 cottage-style CORDOVA { ALASKA’S HIDDEN TREASURE } guest rooms, each with CORDOVA its own deck or porch, Alaska’s Hidden Treasure are located on a hillside, within walking distance of our restaurant, gift shop, and grocery store. Your stay at the Big Sur Lodge includes free access to Pfeiffer Big Get off the beaten path. Cordova, Alaska Get off the beaten path. Sur State Park, Andrew Cordova, Alaska 907.424.7260 For more information call 907-424-7260 or visit Molera State Park and www.cordovachamber.com www.cordovachamber.com

Julia Pfeiffer Burns State Park. (800) 424-4787 or www.BigSurLodge.com THE CEDAR HOUSE SPORT HOTEL, located just outside the Historic Downtown District of Truckee, California, fuses innovative green architecture with the best of contemporary design. Described as a stunning combination of hip and organic, savvy and relaxing, The Cedar House incorporates a number of eco-friendly elements, bringing a fresh and environmentally conscience style to the Sierras. Featuring 42 rooms and suites, enjoy modern conveniences, from flat screen TVs to plush linens. (866) 582-5655 or www.CedarHouseSportHotel.com DOLPHIN BAY RESORT & SPA - Set along the rugged California Coast, just south of San Luis Obispo, Dolphin Bay Resort & Spa is centrally located in Pismo Beach. The Dolphin Bay is the ideal hotel for romantic getaways or family vacations where guests stay anywhere from two nights to months at a time. With 60 spacious 1 and 2 bedroom suites featuring all of the amenities of a home, Lido Restaurant, The Spa at Dolphin Bay and an array of activities, guests can experience the best of the Central Coast. (800) 516-0112 or www.thedolphinbay.com PISMO COAST VILLAGE RV RESORT – Located right on the beach, this beautifully landscaped RV resort features 400 full hookup sites, each with complimentary Wi-Fi and cable TV, on NOW OFFERING 26 grassy, tree-lined WINTER TOURS acres. Enjoy general Store, children’s arcade, restaurant, Laundromat, heated pool, bicycle RELAX • EXPERIENCE • ENJOY rentals and miniature Tundra Tours Inc. invites you to golf course. The resort relax at the new Top of the World Hotel, to experience the Arctic on offers the ideal location a Summer Day Tour and to enjoy the hotel’s restaurant Niġġivikput for wineries, golf or “our place to eat”. Hearst Castle. Pismo Put us on you Bucket List today! Coast Village RV Resort was awarded the 2007/2008 National RV Park of the Year. 800.478.8520 WWW.TUNDRATOURSINC.COM (888) RV-BEACH or TWH@TUNDRATOURSINC.COM www.PismoCoastVillage.com 3060 EBEN HOPSON ST. | BARROW, AK

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1-800-977-9705 or 907-874-3382 or Tyee@akcruises.com

page 42 : : Lovin’ Life After 50 : : November 2016

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UTAH RUBY’S INN is the closest accommodations to southern Utah’s Bryce Canyon National Park. We offer 368 deluxe guest rooms, restaurants, general store and gallery, conference center, car care, and a RV park. Our guests can enjoy swimming pools and spas, or browse the general store, shops and gallery. We feature year-round activities including cross -country skiing, horseback rides and scenic flights. Ruby’s Inn and Bryce Canyon National Park are open all year. (866) 878-9389 or www.RubysInn.com SunRiver - ST. GEORGE is southern Utah’s premier master-planned active adult lifestyle community. Built in an unspoiled, rural location, SunRiver St. George provides a quiet, superbly planned community with occupancy limited to at least one resident 55 or older. From the golf course layout and community center design to the floor plans of our sensational SunRiver St. George homes, the active adult lifestyle is our central point of focus. SunRiver St. George is “building a lifestyle, not just homes.” (435) 6881000 or www.SunRiver.com

ity in our perfectly personalized programs. The food is delicious, the comfort is wonderful and you’ll feel like a well cared member of the family. (800) 323-3833 or www.ColoradoTrails.com THE DUDE RANCHERS’ ASSOCIATION Dude ranches are a popular destination vacation for families, couples, singles and groups. All seem to fit in nicely with the easygoing ranch atmosphere. Since most ranches offer a wide variety of activities such as horseback riding, fishing, river rafting, swimming pools, children’s programs, cattle drives, cookouts, line dancing, spas and plain relaxing on the porch swing, everyone is sure to find something that appeals to them. (866) 399-2339 or www.DudeRanch.org

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CRUISEONE specializes in cruise and land vacations to the world’s most exotic destinations, including multi island destination in Hawaii, the St. Lawrence River, the Caribbean, the Mediterranean, and the Mexican Riviera. Programs range from family reunions at sea and honeymoon cruises to river cruising and land vacations. Each independently owned and operated business combines the latest technology with old-fashioned customer service. Contact Joni Notagiacomo in Los Angeles at (800) 600-4548 or www.luv2cruz.com DELFIN AMAZON CRUISES - Deep in the Peruvian Amazon, Delfin Amazon Cruises will take you into one of the world’s largest protected flooded forests, the Pacaya Samiria National Reserve. Experienced guides will show you the immense biodiversity of the area. Voyages include visits to native villages, kayaking, swimming near pink river dolphins, fishing, daytime hiking, and night safaris. On board, guests can enjoy exquisite Amazonian cuisine in an authentic, intimate setting with the right amount of elegance and comfort. Call toll-free (844) 4-DELFIN or www.DelfinAmazonCruises.com ELDERTREKS is the world’s first adventure travel company designed exclusively for people 50 and over. Established in 1987, ElderTreks offers active, off-the-beaten-path, small-group adventures by both land and sea in over 100 countries. ElderTreks offers wildlife and tribal African safaris, active hiking trips to the Rockies, Himalayas and Andes, expeditions by icebreakers to the Arctic and A WESTERN ADVENTURE OF A LIFETIME!

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T HE F INISH L INE Arizona’s Leader in Senior Fitness 2016 Sponsors

Susan Cooper, Irene Stillwell and Terri O celebrate Irene’s recognition.

Arizona Senior Olympics featured on Arizona Sonoran Living A

rizona Senior Olympics (ASO) was featured on October 10 as a part of the “Stories of Strength” contest. Irene Stillwell, ASO Executive Director was chosen as a part of the series because she is a 10-year cancer survivor and has continued to work as the director of Arizona Senior Olympics. “I saw this as a great opportunity to promote Arizona Senior Olympics and to inform the public about the value of a healthy, active lifestyle,” Stillwell said. She was diagnosed with early stage breast cancer followed by surgery and “brachy therapy,” which involves

radiation applied to the site only. She is still a part of a study of the efficacy of brachy therapy, a less invasive application of radiation. Stillwell noted that she was, “happy to share my story during Breast Cancer Awareness Month because I believe it is important to remind women everywhere to get an annual mammogram.” Joining Stillwell on the program was Maurice Maharaj, Marketing Manager of the West Region of SimonMed, who opened their imaging centers seven days per week during the month of October in order to facilitate breast

page 46 : : Lovin’ Life After 50 : : November 2016

cancer screenings for women in this area. Maharaj presented Stillwell with a $500 gift card in recognition of her selection in the “Stories of Strength” series presented by ABC 15. Terri O and Susan Cooper, hosts of Sonoran Living were enthusiastic about recognizing the Arizona Senior Olympics program and the work of its Executive Director, as well as promoting the importance of reaching Arizona women with this life-saving message: “Don’t wait for a lump, get a mammogram!”

The Finish Line Newsletter is produced by Arizona Senior Olympics, founded by:

in partnership with the cities of Chandler, Glendale, Mesa, Peoria, Scottsdale, Tempe and the communities of Sun City, Sun City West and Sun City Grand

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The early bird gets the worm Register for the games by December 31

It’s autumn — try not to “fall”

Get a step ahead and stay attentive Now that seniors taking falls have reached epidemic proportions, a great deal of attention is being given toward prevention. Various aspects of falling are being studied and many programs have been developed to help seniors avoid injuries. Among the most common problems dealt with in the various prevention programs are: 1.) making your home a safe environment 2.) checking with your doctor to be sure none of your medications are making you dizzy or unbalanced 3.) the importance of a nutritious, well balanced diet and 4.) the role of exercise and an active lifestyle in keeping you on your feet. Often overlooked is an aspect that has a profound effect on whether or not you will fall this Fall or not — attentiveness. The habit of paying attention to where you’re going, and what’s under and ahead of your feet, is a vital step in prevention. Consider a few of the mistakes we make that lead to falls: • We get out of the car, keys in hand, and because we’re in a hurry, we attempt to put the keys in a purse while walking and don’t see the crack in the sidewalk that catches our toe. • We carry packages or bundles that

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are unbalanced — too heavy on one side. •W e think ahead, focusing on our destination and in hurrying to get there, forget to look down and miss the curb. • We’re getting off the bus, anxious to make a connection and don’t see the space between the step and the curb, catching our foot in between. Get the picture? As seniors, it is important to pay attention to walking when we’re walking! Be attentive to the surface of the sidewalk or street. Be aware of the places in your home that might “trip you up.” Listen, but don’t talk, when walking with a loved one or friend. They won’t mind, they’ll think you’re a great listener! Pay attention to your toes. Are you raising them or shuffling? If you’re a shuffler, get into a class that teaches exercises to strengthen the toes, feet, ankles and legs. Remember, attentiveness can make a significant difference in determining whether or not you will fall this FALL. For more information about prevention, call the Arizona Lifetime Fitness Foundation’s office at 602274-7742 Monday through Friday from 9 a.m. to 4 p.m.

ust in case eating a worm doesn’t appeal to you, how about this? If you register during the Early Bird Registration this year, you will save yourself $5.00! Now that’s more appetizing! You may question why it’s necessary to impose a penalty on those who are late to register for the games, but there’s an answer to that as well. Arizona Senior Olympics is an all volunteer organization. Because dedicated volunteers are hard to find, we really don’t want to wear them out, or give them jobs so chaotic they never come back. For that reason and for the quality of the games, it’s very important

that registration be finished in time for us to do the myriad of things that we can’t do until we know how many people will participate. It’s like inviting your friends over for dinner. You have to know how many will come in order to know how much food to cook. The Early Bird registration period will allow us to have the time necessary to plan quality games and as a bonus, it gives you, the athlete, time to practice and train. The final deadline for Early Bird Registration is December 31st, giving everyone plenty of time to register. So don’t put it off, be an Early Bird and save yourself that $5.00 worm!

THE ARIZONA LIFELONG FITNESS FOUNDATION BOARD AND ALL THE VOLUNTEERS AT ARIZONA SENIOR OLYMPICS WANT TO WISH YOU A WONDERFUL HOLIDAY SEASON. WE ARE THANKFUL FOR YOUR SUPPORT AND ALL YOU DO TO MAKE THE SENIOR OLYMPICS POSSIBLE. November 2016 : : Lovin’ Life After 50 : : page 47

www.seniorgames.org

Is that drink with dinner worth it? By Ellie Kallal

ike many people, I enjoy a glass of red wine in the evening, and knowing it’s good for my heart makes it just that much better. However, recently I’ve been reading that it might be doing more harm than good. And any more than that one drink a day is definitely not a good thing. Alcohol use may increase the risk of cancer. Recent research indicates that three drinks a day can double and triple the risk of cancer in the mouth, upper throat and bowel. Liver cancer risk increases by 16 percent. Even one drink, whether it is a mixed drink, beer or wine, is believed to increase the risk of some cancers by as much as 20 percent. As for the benefit to the heart, newest research indicates that that benefit has been over reported. Not all of those who drink are helped. Women over 55 receive the most benefit.

the way we did at 35, we can no longer drink that way.

The National Institute on Aging reports that alcohol and drug abuse and alcoholism among those over 60 is increasing. As we get older, our sensitivity to alcohol increases. We simply don’t metabolize it as well as we did when we were younger. Just as we can no longer eat

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Consider these dramatic statistics from NIH Senior Health, as well as their statement: • There are 2.5 million older adults with an alcohol or drug problem. • Six to eleven percent of elderly hospital admissions are a result of alcohol or drug problems — 14 percent of elderly emergency room admissions, and 20 percent of elderly psychiatric hospital admissions. • Widowers over the age of 75 have the highest rate of alcoholism in the U.S. • Nearly 50 percent of nursing home residents have alcohol related problems. • Older adults are hospitalized as often for alcoholic related problems as for heart attacks.

• Nearly 17 million prescriptions for tranquilizers are prescribed for older adults each year. Benzodiazepines, a type of tranquilizing drug, are the most commonly misused and abused prescription medications. “Alcohol and drug problems, particularly prescription drug abuse, among older adults, is one of the fastest growing health problems facing the country. Yet, our awareness, understanding and response to this health care problem is inadequate.” As with all health reports, we need to look at our lives, use caution and common sense and decide whether we think the benefits are greater than the risk or vice versa. It may be time to rethink how we look at that drink before dinner. Is it worth it? Luckily, I’m in the “women over 55” category that actually benefits from that glass of red.

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Bear Market Report To trust or not to trust – that is the question By Teresa Bear

fter meeting with an attorney and setting up a brand-spankingnew revocable trust, I’ve been told by many clients that they were advised by attorneys to put ALL of their assets into the trust. ALL is a really big word. The following are three assets that — in my opinion — should generally not be held in a trust. 1. IRAs: These include traditional, SEP, Simple and Roth Accounts which are — by definition — INDIVIDUAL RETIREMENT ACCOUNTS. By law, these accounts must be held in the name of a human being. You cannot title these accounts in the name of the trust. How about if I name the trust as the beneficiary? The answer is generally still “No.” One of the reasons that you have created the trust is to simplify matters when you pass away, and naming the trust as beneficiary

complicates matters and may trigger a large tax liability. You see, one of the great benefits of having humans named as beneficiaries of your IRA is that they can continue to defer tax on the account as either a spousal or inherited IRA. Although it is possible for your attorney to establish what is called a conduit — or look through — language in the trust agreement, if the language is later found to be defective, your heirs could be liable for tax, penalties and interest on the account. 2. Other tax qualified plans: These include the whole alphabet soup of plans — 401(k), 403(b), profit sharing, ESOP and 457 plans. Like IRAs, these plans must be initially owned by a human. Like IRAs, if your spouse is the beneficiary, they generally can continue the account when you pass.

Puzzle Answers ...from page 34

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Non-spousal beneficiaries can transfer the assets to an inherited IRA. 3. Non-Qualified Annuities: When an annuity is formed with after tax dollars, any gains will be deferred until the money is withdrawn. For example, let’s assume Fred and Wilma formed the Bedrock trust. They invested $100,000 in an annuity in which the trust was the owner and beneficiary. Fred was the annuitant — or the person on whose life the annuity was based. When the whistle blew for the very last time for Fred, the account had grown to $175,000. Unfortunately, under this arrangement, Wilma would be forced to withdraw all the money from the annuity in the next five years and pay tax on the $75,000 appreciation. However, if Fred was the owner and Wilma was the beneficiary — instead of the trust — she would generally be able to continue the contract — and defer the tax — during her lifetime. Now these are KISS (Keep it Simple Stupid) principles. With them, I assume that your beneficiaries are legally competent adults and you do not wish to attach strings to their inheritance. If this is not the case, you should follow your attorney’s advice and make the

trust the beneficiary. However, keep in mind that this may result in your heirs sharing more of their inheritance with the accountant, attorney and least favorite uncle — Uncle Sam. I am not an attorney. (I do not give legal advice.) I am Certified Financial Planner and a CPA. Therefore, I approach estate planning from a tax and investment perspective. Teresa Bear, CFP™, CPA (www. TeresaBear.com 480-503-0050) specializes in retirement planning and asset preservation for retirees and those about to retire. Teresa is the author of the book, “She Retired Happily Ever After”. Investment advisory services provided by Brookstone Capital Management, LLC., a SEC registered Investment Adviser. Brookstone Capital Management and Teresa Bear, LLC are independent of one another. Neither the author nor the publisher is engaged in providing accounting, legal, investment, or other professional services through the publication of this article – you must seek competent, professional representation for your personal situation. This is for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.

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ear Gabby Gayle: I want to tell you and your readers about romantic scams. I got caught in one from a dating site. This man turned up as one of my matches; I liked his profile and his photo and started conversing with him. We chatted for over a month and I really liked him. I have been a widow for five years, and I am extremely lonely as I had a wonderful marriage. Soon he was talking about loving me and when he retired, he wanted to come and see me. It was wonderful to have him say how beautiful I was, and how he was so happy that he had found me. I was literally walking on air. Then one day he told me he was going to Egypt to do his last archeology dig and would be there seventeen days. He sent me a copy of his airline itinerary! He was also an art dealer and had some paintings to sell. He sent texts to me each day telling of the dig and some of the artifacts that had been found. Then he wrote to tell me he was feeling sad and upset by something that happened that day. Of course, I asked what had happened. He said the Egyptian inspectors came that day and told him he had the wrong kind of permit, and they closed down his site until he produced the proper papers. He said the permit was going to cost $45,000, and he only had $20,000 with him. He asked if he could borrow the $15,000 so he could get the permit, and he would pay me back when he got back to the states. Then I knew it was a scam. I emailed him back and said, “you should be ashamed of yourself; I am going to pray for your soul, and I am reporting you.” That was the last of him. I did report him. I am certain there are some unsuspecting widows out there who would fork out that money, and I want to warn them to be suspicious of everyone they chat with on a dating site. Thank You, Scammed

ear Scammed: Thank you for writing about another type of scam that is growing by leaps and bounds. In fact, I’ve been doing research on them for a novel I’m writing.

I am amazed at the creativity these predators use in attracting a woman’s interest. My advice is this: 1. Do not ever answer a dating site request from anyone out of town. 2. Do not ever friend anyone on Facebook that you do not know — and then be sure that they have not used the name and address of a person you do know! 3. Never give out the slightest information about you — not your telephone number, not your email address, nothing at all. 4. When you do connect with a local person that you like, suggest coffee in a very public place and make sure you are the first one to arrive. Some lie about their looks, occupation, marital status, etc. I joined a dating site because I’ve received so many questions from my readers about them. I met and enjoyed coffee with five very nice guys, but none of them were for me. I met two that are still friends — without benefits. Be careful and cautious! Thank you, Scammed, for bringing to light a very timely and important subject. I do not know if these same things happen to men, but I would like to hear from you if they have. —GG

ear Gabby Gayle: I want to thank you for the advice you gave me — that I should attend my granddaughter’s wedding to her gay partner. I went, I loved it, and I love my granddaughter’s choice of a partner. And we are all at peace. You kept me from making a serious mistake. Signed, Grateful Reader Dear Grateful, Yahoo!

If you have a question for Gabby Gayle, please send it to Ask Gabby Gayle in care of this newspaper, or email Gabby Gayle at lagmancreswick@cox.net

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Getting the most out of your health insurance

ealth insurance often represents one of the largest budgetary expenses of a household. Therefore, you should understand your benef its in order get the most out of them. By utilizing your health insurance to the fullest you may f ind ways to save money and improve your health. Listed below are some suggestions to maximize your health plan benef its. 90 Day Prescriptions: Oftentimes, f illing a 90-day supply of your medications is less expensive (lower copay) and more convenient (saving you monthly trips to the pharmacy) than f illing a 30-day supply. A lot of insurance plans allow 90-day f ills; ask your Walgreens pharmacy staff if this is an option under your plan. Generic Prescriptions: Choosing generic over brand-name medications leads to savings! Generic drugs are copies of brand-name drugs and are the same in dosage form, safety, strength, route of administration, quality, performance characteristics and intended use. In fact, the U.S. Food and Drug Administration (FDA) requires that generic medications have the same quality, strength, purity and stability as brand-name drugs. When it comes to price, however, there is a big difference. On average, the cost of generics is 80 percent to 85 percent lower than brand-name medications. Therefore, if you are on a brand-name drug, ask for the generic the next time you visit your pharmacy. Even if you are on a brand-name medication that does not yet have a generic, your pharmacist can recommend a switch to a generic drug within the same medication class. Immunizations: Although most people do not look forward to getting immunizations, doing so may save you time and money. Take for example the f lu vaccine, most plans cover the cost as a preventative service; hence, you are able to receive it for a zero copay. If you do not receive the vaccination, you are at an increased risk for getting the f lu which can lead to missed days at work and a visit to your doctor. By getting your f lu shot, as well as other immunizations, you are pre-

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venting serious complications and potential hospitalizations which will end up saving you money in the long run. Medicare Open Enrollment: Medicare open enrollment ends on Dec. 7. Therefore, now is the time to reevaluate your plan options to f ind a Medicare Part D plan that covers all of your medications at the lowest out-of-pocket cost. Switch-

ing plans may lead to less expensive premiums, deductibles, and/ or medication copays. You should thoroughly research all of your options to see which plan will save you the most money. HealthPlanOne is a licensed health insurance agency that can help you evaluate and compare Medicare Part D plans and help you enroll—for free. You can receive their free expert advice

by calling (888) 395-0324. There are a variety of ways to get the most out of your health benef its. Perhaps you may have further questions or concerns in regard to maximizing your insurance benef its. Talk to a Walgreens pharmacist today to help you research ways to get the most out of your insurance and improve your health!

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It’s easy to switch! Visit your local Walgreens or call 888-380-8051. Walgreens is an accredited Medicare Part B supplier of diabetes testing supplies.

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HauLiNg DAVE'S DUMPING & HAULING I haul it all! Yard/construction debris, junk, furniture, appliances, clean-outs, etc., etc., etc., Jobs both big & small I’m a 6th grade Mesa teacher working his 2nd job. Phone Estimates Dave 480-360-5865 or 480-360-JUNK RUBBISH WORKS OF SCOTTSDALE / N. PHOENIX YOUR LOCAL JUNK HAULER Labor, Hauling, Junk Removal, Old Furniture, Appliances, Electronics, Moving Boxes, Construction & Yard Debris. Garage & House Cleanouts We Donate & Recycle Visit: www.rubbishworks.com/phoenix

Call: 480-545-1220 Email Rita at: rbrady@rubbishworks.com

gLass sErvicEs GLASS, MIRRORS, SHOWER DOORS Family Owned with 50 years' EXPERIENCE. Shower and tub enclosures Framed, Frameless or Custom Doors We also install insulated glass, mirrored closet doors, window glass, mirrors, patio doors, glass table protectors. If it’s glass, we can help you. QUALITY SERVICE at Competitive Prices. FREE Estimates WESLEY'S GLASS & MIRROR Call 480-306-5113 wesleysglass.com SERVICING THE ENTIRE VALLEY

HEaLTHY LiviNg / FiTNEss HYDROTHERAPY WALK-IN TUBS MADE IN USA For those with arthritis & other ailments Keep your independence live in your own home longer rather than going into assisted living. Lifetime warranty, better quality and cost than other tubs Call for more info: Todd 480-388-5335

HOME iMPrOvEMENT

PErsONaL sErvicEs

HOLTZMAN HOME IMPROVEMENT People do business with people they trust Home Remodeling & Additions *Kitchens or Baths *Painting/Drywall/Stucco *Plumbing/Electrical *Tile/Flooring *Decks/Garages We Do It All! 24 Hour Emergency Services Licensed/Bonded/Insured ROC#242008 FALL SPECIAL 15% off labor on any job over $1,000 Must mention this ad for discount Can't combine with any other offer Call for a Free Estimate! 602-628-8735 602-323-6574

PERSONAL ASSISTING & PET SITTING SERVICES Organize Home/Office Packing/Unpacking for Move In-Home Pet Sitting 602-228-8413 christinahelps2012@gmail.com

PLuMbiNg

Holtzmanhomeimprovement.com

HOME rEMOdELiNg ALL AMERICAN REMODELING AND HANDYMAN SERVICE Need some help around the house? Please call, I do it all! *Design *Carpentry *Paint *Flooring *Electric *Plumbing *Drywall And More! Small projects to full remodels & hydrotherapy tubs Todd 480-388-5335 HOME & BUSINESS REMODELING & REPAIRS BY MY FATHER'S TOOLBOX Honest, Dependable, Quality Workmanship Upgrade your plumbing or electrical fixtures. Carpentry, Drywall & Painting Concierge Service Available For free consultation call 480-600-0958. We accept Major Credit Cards ROC258814

sEWiNg MacHiNE & rEPairs SEWING MACHINE REPAIRS I go to your home. All makes, including Kenmore, Bernina, Phaff, Singer, Janome, Viking & Brother. No drop off - no waiting Price includes trip & labor John McAulay East Valley - 480-897-0338 West Valley - 623-224-1371

TravEL ENOS KING-LEWIS II, AGENT Guide, Producer Fun Trips! Prosperity - Wellness www.Enos4Prosperity.com 800-824-1450 (Call 24/7) enos4homes@hotmail.com

www.lovinlifeafter50.com

sENiOr sErvicEs ALL CARE SERVICES HOME CARE For those coping with illness or injury, in-home help may be just what is needed. And with All Care, you've found caring professionals ready to engage and encourage a healthier, productive lifestyle right from the comforts of home. 623-810-2871 NEED HELP? Senior Concierge Services for the West Valley. Errands, grocery shopping, meal prep, companion care, house sitting, pet sitting & much more! Certified, Background, References Contact Linda 602-410-4076 formanlm52@gmail.com

Professional Caregiver/Companion 18+ Yrs of experience. References available. Call Mike

602-783-3460

HOW TO PLACE A Friendship Ad! 1. Include your 30 word ad ($15);$.25 per word thereafter. Your info: Name, Address, Phone, Email address and Payment. 2. Payments can be Check/Money Order, Visa, Mastercard, American Express, or Discover. Account # of your credit card, CVV code and expiration. 3. Mail everything to Lovin' Life After 50, 1620 W Fountainhead Parkway #219, Tempe AZ 85282 or Email to Tracey@times publications.com or call 480-898-5611.

www.lovinlifeafter50.com

DRAWER LL1018 Caring, sincere, romantic, SWM, 70, 6', 175 enjoys romantic evenings, dining, movies, & conversation seeks caring, romantic, passionate lady 60-80 for committed relationship. Photo & phone please - all answered

DRAWER LL1088 I have a warm and understanding heart. Love life, enjoys the little things as well as the big moments in life. 5'5", light hair, a NYC Figure. Would love to meet you. Live in Sun City. WW Woman. DRAWER LL1136 DF Vietnamese 62 looking for good commitment, not because of beauty or money but because we've both experienced how to give and receive love. My nature is of kindness, honesty, sympathy and am Christian. ISO man 60-75. DRAWER LL1253 European woman 81 healthy and youthful looking for the companionship of an even tempered gentleman with diverse interests. Scottsdale area. No Botox. DRAWER LL1354 Looking for someone special I enjoy life - love to do things to make life happy. Maybe you are that special person. WWF live in Sun City 5'5" light hair, blue eyes, pretty as a picture. DRAWER LL1517 Christian senior male would like acquaintance with educated retired lady, age not as important as shared interests. Ability to speak, write Spanish would be a plus. DRAWER LL1401 Attractive DWF, ISO single senior male 70+ who knows life, can still offer fun & caring. I'm energetic, positive, active & have a great sense of humor - 5' & 117#. Please tell me about yourself, your hopes, expectations and include the same information that I have offered. Please include Phone #. Gentlemen, please note: I live in the West Valley near Sun City, Peoria & Glendale.

DRAWER LL1478 Man: What do you want? I'm female, can still walk & talk at the same time, have great convo's w/ myself, can cook w/out microwave, just a nice loving lady wanting a good male relationship. Men: Please contact me if anything on my list interests you. DRAWER LL1519 U.S.D.A. Male, mid-60's ISO female 50-65 - walks, movies, long term friend & companion if possible as time goes on. I'm 5'11", 175lbs, blue eyes & medium build. DRAWER LL1530 SWM, 60s, self-exiled, irreverent, sarcastic ex-pat New Yorker who appreciates all the oddities of life. ISO smart, sassy, independent, free thinking, funny, witty, woman who might share interests. Sense of humor a must. I am neither hiker nor biker, but rather a Culture Vulture who loves going to live music, theatre, dance museums, and the like. DRAWER LL1531 Woman in her 70's would like to meet non-smoking woman in her 70's or 80's for a wonderful close relationship. Interests vary, sports, casinos, luncheons, small trips. DRAWER LL1547 SWM 64 (semi-retired) young looking Christian gentleman in NE/Scottsdale area who is fit & attractive, likes dining out, movies, music/concerts, short hikes/walks, sightseeing, travel/day trips, exploring new places, quiet romantic nights & more. Seeking female 55-65 with same interests for LTR.

DRAWER LL1556 Single, Sassy, 61 and Sexy Lady 5'1", 139lbs, Dk Blonde, green eyes seeking energetic male for fun, friendship & fantasy. I live in East Mesa. DRAWER LL1582 WW Country Gal 73 looking for male Country Guy. I am very active w/horses hoping for LTR with Christian Gentleman. Would love to spend winters here and summers where it's cooler.

DRAWER LL1584 Are you ready for some football? Cute, fun, fairly fit football fan wanted to watch pro/college games with an attractive, fit, fun guy - SWM 64. DRAWER LL1588 SWM 78, 5'5, 160lb West Valley, Seeking LTR with Female 70-90 Enjoy shows, dancing, cards, short travel trips and mutual interests. Please send phone # and we'll talk. DRAWER LL1589 Gym regular woman 74 years old, interested in meeting active, animal loving man companion.

DRAWER LL1593 Sun City WWF 70, 5'3", slim, long hair ISO partner for dancing, music, travel, sight-seeing, walking, photography, movies, Lovin' Life, etc.

DRAWER LL1237 DWM, early 70’s, 6’2”, 195#. Youthful, educated, athletic, healthy, fit. Wide variety of interests, including travel, sports, music, movies, etc. ISO attractive lady, age and ethnicity unimportant

HOW DO I ANSWER A FRIENDSHIP AD? Compose your response and address it to: Drawer #________ Lovinʼ Life After 50 Newspapers 1620 W. Fountainhead Pkwy, Ste. 219 Tempe, AZ 85282

DRAWER LL1590 Humble? No, but where are West Valley women to go to find better? Searching for a good looking female 60-70+. I work out daily, live in a guarded & patrolled RV/Home Park & have a great sense of humor. You'll see...... DRAWER LL1591 Professionally employed DWF NS 58 y/o ISO WM NS 50s-60s for festivals, day trips, dining, museums, and more! I am a moderate conservative, work for a law enforcement agency, military brat. I prefer to be casual and if there is a connection, let it develop over time. I look forward to meeting you! DRAWER LL1592 WWF Attractive, Petite, Sincere Widow, Young 70's, still a kid at heart. Moved from the Midwest, now in the East Valley. I enjoy music, movies, dancing, sight-seeing, bowling, cards, board games, and more. Have married friends, but tired of being a tag-along. Seeking an Attractive, Sincere, Dependable, Sense of Humor, Younger 60's to 75 gentleman who enjoys my interests for some fun and friendship. If U R the 1 for me, please write with your phone number. Serious replies only please. DRAWER 9792P DIVERSITY SINGLES CLUB (AGE 60 PLUS) Meets EVERY Monday 8:00am at Golden Corral Restaurant, 1868 N. Power Rd in Mesa for breakfast Prospective Members Welcome!

November 2016 : : Lovin’ Life After 50 : : page 53

Cameo Foundation’s 28th Annual

MS. SENIOR ARIZONA 2017 PAGEANT

Pageant MC Radio Personality

Danny Davis

Saturday, March 18, 2017 Valley Vista Performing Arts Center—6:00 p.m. 15550 North Parkview Place, Surprise, AZ 85374

The Search is on for Contestants!

The First & Foremost Pageant to Honor the “Age of Elegance”

For Contestant or Pageant Information Call 602-788-9556 msseniorarizona2004@cox.net • cameofoundation.org • msseniorarizona.com

s 60 year of age r or olde