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DIRECTORY

Senior Housing

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SPORTS

Golf’s great local writer

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TRAVEL

Discover Elkhart Lake page 16A

September 2015 Vol 29 No. 9

COMPLIMENTARY

POMMER:

It is school time again

page 3A

OLSON:

EDITORIALS

Know about sector weighting

page 6A

MONEY SENSE

STATE CAPITOL COMMENT

NEMOVITZ:

By Karen Ellenbecker & Julie Ellenbecker -Lipsky

By Matt Pommer

“I want the best for you”

page 18B

BEST OF S.E. WISCONSIN SENIOR MOVING IN THE HOUSING GUIDE: RIGHT DIRECTION page 1B

By Bruce Nemovitz

EDITORI

TRAVEL

Four of the players, Jim Orndorf of Cudahy, Cy Swiecichowski of Jackson, Ermi Fi Dennis Financial i lW Wellness ll of West Allis and Bob Christensen of Menomonee Falls who took part in the annual:

Thriller at Miller

“Planting Tomorrow’s Dreams Today”

By Brad Olson, CFP

SENIOR

TURN TO PAGE 23A

APRON Should you be worried about your health care?

Emma

STRINGS Answer MONEY SENSE A recent article in the Milwaukee Journal Sentinel Man both serve more low-income people and reduce state’s

By Aunt Emma

AGING ISSUES

By Tom Frazier

(“State continues to snub Obamacare”), states that WisBy Karen Ellenbecker consin has passed up more than $550 million in federal & Julie Ellenbecker money available under the Affordable Care Act (a.k.a.

Obamacare).-Lipsky This is money that the Governor and Legislature have refused to take for Medicaid that would

share of spending on Medicaid. The same article indicates that The Urban Institute estimates that accepting the federal money would save Wisconsin $2.5 billion in state dollars between 2015 and 2024. The article goes

IT MAKES ME CRABBY

FRAZIER continued on page 3A

2A • 50PLUS • SEPTEMBER 2015

A visit to an eye care specialist may save more than your sight

By Cheryl L. Dejewski

"The eye is the only part of the body that gives us the unique opportunity to look in and actually see certain diseases and conditions, rather than just infer their presence from signs and symptoms," explains Mark Freedman, MD, of Eye Care Specialists, one of Wisconsin’s leading ophthalmology practices. "The eye is like a looking glass into the vascular, neural and connective tissues of the body. As a result, a visit to an eye MD can not only lead to the detection of ocular diseases, it may also turn up clues of serious conditions affecting the rest of your body which present clues of their existence through minor changes inside your eye."

Blocked Arteries Eye Care Specialists’ team presents continuing education lectures on eye exam disease detection to physicians and nursing staffs. "It’s important for all health care professionals to know the signs of eye conditions, such as cataracts and glaucoma, as well as non-eyerelated conditions, such as blocked arteries or tumors, that may appear in the eyes," notes partner Brett Rhode, MD. For example, artery blockage in the neck can break into small pieces that travel through the bloodstream and appear as yellow fatty deposits in the arteries in the back of the eye. These are a warning sign to the eye examiner that the patient may need a carotid artery and heart evaluation.

“Although such findings are not the best news, they often give patients the opportunity to start medical treatment before they would have even noticed anything was wrong,” says Rhode. “If clogged arteries, diabetes or a tumor are caught early enough, less invasive and less costly procedures can often be used to prevent the spread of the problem and even potentially save a person's life."

Diabetes An area of special interest to Eye Care Specialists’ team is detection and treatment of a condition that can affect both the body and the eyes—diabetes.

Eye surgeon Daniel Ferguson, MD, explains, “As the life span of diabetics has increased, so has the incidence of related circulatory problems which can develop over time. The most common

An Eye MDs’ detective skills may also uncover serious hidden health problems eyerelated complication is ‘diabetic retinopathy’—a deterioration of the small blood vessels that nourish the retina in the back of the eye.

Sometimes an eye exam reveals tell-tale signs of weakened vessels leaking blood or fluid before a patient is even aware that they have diabetes. Fortunately, if the diabetes is caught early enough, we can treat it to stop or slow vision loss, and the patient can be put on an appropriate diet and/or medication to control or prevent other diabetes-related problems."

Although discovering underlying diseases is fascinating work, most of an eye specialist’s day is filled with performing eye exams and surgery.

Health & History Clues "As with any detective, you begin by interviewing the people involved. You have to listen to patients (and family members) and pick up on clues when they explain their health and vision history. What’s the real cause behind a person no longer driving, having difficulty ‘hearing’ the TV, suffering frequent falls, or not doing well in school?

Are these clues pointing to the need to test for cataracts, macular degeneration, dyslexia or other conditions?” asks Daniel Paskowitz, MD, PhD, an ophthalmologist with credentials from both Harvard and Johns Hopkins.

What Makes a Good Exam?

A thorough eye exam should check: accommodation capability (ability to switch focus between near and far), pupil reflexes (ability to adjust from light to dark), muscle motility (ability to look to the sides and keep the eyes in alignment), visual acuity (ability to see objects clearly near and far), and visual field (ability to see objects off to the side). It should also examine: the external surface (for infections and inflammations), lens (for cataracts), retina (for macular degeneration, diabetes, etc.), and internal pressure and optic nerve (for glaucoma).

Laser Diagnostic Scans One specialized tool in Eye Care Specialists’ detective arsenal is an Optical Coherence Tomographer (OCT machine). "This fast, accurate, noninvasive and painless device uses laser scanning technology to create a CT-like image that enables us to detect microscopic signs of glaucoma, macular degeneration, diabetes, and other sightthreatening conditions before they could be noticed through visual inspection, retinal photography or visual field tests. Armed with this insight, we can prevent future loss of vision by promptly starting or adjusting medications or performing laser, medication injection, or surgical treatment," explains eye care specialist Michael Raciti, MD. How do the "detectives" feel about their role? David Scheidt, OD, comments, "Patients come with questions, and we make sure they leave with answers. We strive to provide the most thorough examination possible to detect and treat conditions. To achieve that goal, however, patients must remember that it’s their responsibility to provide information, ask questions, and follow recommendations. That way, we can work as partners to map out a plan to ensure you can and will continue to ‘see’ life to the fullest.”

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SEPTEMBER 2015 • 50PLUS

Happy New Year as the 2015-16 school year begins The “new year” is about to arrive in Wisconsin as public schools ready for the early September opening.

Some will disagree that September is the “new year,” preferring to mark it in January. But to hundreds of thousands of young people, their parents, grandparents and thousands of teachers, the start of school is the “new year.”

As the opening neared, more Wisconsin school districts were having trouble filling teaching vacancies, especially in math, science and special education. Wisconsin is not alone in struggling to fill openings. It’s a national trend.

The situation isn’t a surprise. Rural school districts talked about the issue during the last legislative session and urban districts chimed in that they, too, saw problems ahead. Colleges that train teachers said fewer undergraduates were opting for education and careers in the teaching profession.

Part of the situation may be the expectations of families. It’s natural for parents and grandparents to think, FRAZIER continued from page 1A

on to say that Scott Walker would ask Congress to repeal the Affordable Care Act (ACA) on his first day in office if he was elected president. His position is consistent with the other Republican candidates for president.

A more recent Journal Sentinel article indicates that recent enrollment numbers in the ACA have reduced the uninsured rate in the U.S. to below 10%. There are 10.2 million people enrolled in the ACA, and over 12.3 million on Medicaid as the result of Medicaid expansion that was part of the ACA. House Republicans, led by Wisconsin’s own Paul Ryan, have proposed and passed budgets that would block grants (i.e. give the money to states with fewer requirements) and make drastic cuts in funding for Medicaid health care for low income older people, children, and persons with disabilities. There are 68 million people receiving health care through Medicaid who would stand to lose their health care coverage or pay higher out-of-pocket costs for health care.

STATE CAPITOL COMMENT

By Matt Pommer

like residents of the mythical Lake Woebegone, that their children and grandchildren are all above average.

If their better-than-average children struggle in school, many want to blame the teachers and principals.

That sort of attitude probably MOVING IN THE has helped promote theRIGHT concept of the taxDIRECTION By Bruce Nemovitz payers financing voucher and charter schools that draw money away from the traditional public schools. Debate will continue to rage over whether these alternatives will produce better-educated children.

The State Capitol is fertile ground for ideas on how to change education.

AGING Twenty years ago, then-Gov. Tommy ISSUES Thompson floated the ideas of addBy Tom Frazier

An August 10, 2015 article in the NationalJournal.com says “House GOP Looks Ahead to Huge Medicare Overhaul in 2016.” According to Ways and Means Health Subcommittee Chairman Kevin Brady (R-Texas), House Republicans willPLANTING start working next year on drafting aTOMORROW’S Medicare “preDREAMS TODAY mium-support” bill. Premium-SupBy Brad Olson port refers to giving money (a voucher) to Medicare enrollees and letting them purchase their own health care.

It is generally understood that the amount of the voucher would be inadequate to keep up with health care inflation. There are 55 million people enrolled in the very popular MediSPORTS care program. For example, 72% of By Jack the general population hasPearson a favorable view of Medicare while 90% of people over 65 have a favorable view and 80% say it is working well. Even Jeb Bush, considered to be the most moderate of Republican Presidential candidates, has said that “we need to figure out a way to phase out this (Medicare) program” and that Medicare is “an actuarially unsound healthcare system” and that “Social Security is an underfunded retirement system.”

• 3A

ing another week of instruction to the school year for elementary and secondary public schools. It could better educate young people, he suggested.

Thompson quickly found that cherished summer vacations and MONEY SENSE schedules would prevail.

The tourBy Karen Ellenbecker & Julie Ellenbecker ism industry didn’t want to-Lipsky shave off a week of family vacations. Taxpayer watchdog groups reminded him that it would drive up costs. Pay for hourly workers – cooks, maintenance workers, janitorial staff and bus drivers – would need to be considered.

Wisconsin lawFi establishes Financial i lW Wellness ll that “Planting Tomorrow’s public schools, including higher Dreams Today”education, start after Sept.

1. The tourism

By Brad Olson, CFP industry promoted that law, indicating it didn’t want to lose its college-age summertime workers. It initially sought a start after Labor Day. APRON The problem of finding top-notch, Emma trained teachers seemsSTRINGS to have socioAunt Emma logical and economic Byroots.

Young women are seeing job opportunities across the work spectrum. Private employers also are seeking to diversify their ranks with minorities.

Pay opportunities probably are brighter in the private sector. The state budget limits the amount of money school districts can raise through the property tax and that affects teacher salaries. That’s unlikely to change anytime soon.

The $250-million reduction in the University of Wisconsin System budget is proof that the future is not bright for education funding in Wisconsin. Indeed, public schools may not be near the head of the line when it comes to fiscal decisions.

Two years ago, the Legislature approved a $30-million personal income-tax break for families who send their children to private elementary and secondary schools. Legislative proponents said it was a way to help parochial schools survive.

Never mind any fiscal gloom. The “new year” comes next week with anticipation and promise for Wisconsin families. It’s far more exciting than any Jan. 1.

The fact that members of Congress and presidential candidates can be so blatant about eliminating health care for so many people or requiring so many people to pay so much more for health care is outrageous and scary.

And the people affected are mostly low and moderate income folks who can least afford to lose health care or pay more for it. For example, Medicaid eligibility is approximately the federal poverty level of $11,770 a year for an individual, the ACA eligibility for expanded Medicaid coverage (in states that have chosen to expand it) is 138% of the poverty level or $16,243 for a single person. Fully one-half of all Medicare beneficiaries have less

than $23,500 annual income, and are already paying $4,734 out-of-pocket each year for health care. Most people talking about eliminating or cutting health care make a lot more money than this, and have health care coverage that would be unaffected by their proposals.

Should you be worried? The answer is no, unless you or someone you know depends on Medicare, Medicaid, or the ACA for their health care.

Then, you should be worried and you should get involved to defeat these plans that would make today’s income inequality gap bigger than the Grand Canyon.

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4A • 50PLUS • SEPTEMBER 2015

EDITORIALS

Senior citizens are more prone FFFFF to Alzheimer’s disease than youngA recent shoe advertisement ofer people.

But the whirling winds fered footwear for as much as $600 a their ills.

Financial of memory loss are somewhat like a pair.

Might they be sandals? WhenFi did i l W One of the greatest problems is “Planting Tomo that the women, often said to be the terrible storm to the mind regardless you buy new shoes? My recollectionDreams To set in. I IN amTHEis sometime about 25 years ago atBythe MOVING stronger physically of the two sexes, of the age at which they Brad Olso certainly glad that at age 86 I am still annual Allen Edmunds shoe tent sale.

RIGHT DIRECTION neglect vital treatment, especially in blessed with some thinking FFFFF

By Bruceability.

Nemovitz cases of emergency.

Being a semi-senile senior citizen is a Having recently been to the oilDo not neglect seeking medical pleasure to be appreciated. fields as a visitor, we like the story advice for chest pains or even a seriFFFFF that says every oil field worker has a ous discomfort in the chest. Also, heart I recently came upon a pamphlet wife who helps support him by workproblems can be indicated by shortness Emma that promoted the changing of the ing in town. of breath, nausea/vomiting, back pains United States into a more inclusive FFFFF and/or jaw pains.

Looking through a historicalBy Aunt E If you or a person you are with has nation. The important changes and any of these signs, do get to a hospital their dates were The Emancipation column in an old-time weekly newsProclamation in 1863 and, one hun- paper, we noticed an advertisement or call 9-1-1 immediately.

AGING dred years later, the March on Wash- that read: We do shaves, haircuts and ISSUES ington in 1963.Today, not everyone of tooth extractions. The last cost $2.00

By Tom Frazierper tooth. younger age does really know the earDEAR MR. IBERSEN: ly plight of so many black people. Any FFFFF Yes, “Made in America” goods persons having the opportunity should We have repeatedly read restaudefinitely are on a resurgent track. I review the National Museum of African rant advertisements that offer half cently read that some underwear manAmerican History and Culture as pre- off on a second entree when buying ufacturing is on its way home from sented by the Smithsonian Institute. the first one of equal or greater valSoutheast Asia. However, in my myFFFFF ue. Such ads really let you in on how opic view, “Made in Wisconsin” will We have what are called Smart much money they really make on that continue to be the real winner.

Phones today. We recall as kids in first entree.

We must work to be forward thinkthe 1930’s and even in to the 1940’s FFFFF PLANTING ing in technological advances and genthe “talking instruments” TOMORROW’S of the time While we chose a condo in aderal manufacturing. Investment, reDREAMS TODAY might have been connected via one vancing age, there are many other search and development are keys to line to as many as half a By dozen famBrad Olsonsenior alternatives to residing in that our successes, but so is education. ilies, especially along rural areas. large house with the big yard and all Can’t we do better than we are today in When calling a person on a party line, the effort that goes with it. In addition the high schools? you had to be careful as to what you to condos, these are apartments, senior THANKS FOR YOUR INQUIRY, said as perhaps as many as five unin- apartment complexes, assisted living SENIOR ANSWER MAN tended people might be listening to units, retirement communities, conthe call. The party line passed news tinuing care communities and life care more quickly than did the local news- retirement communities. Before any paper or radio. move, the home owner has to decide what to do with all the junk he/she or Yes, I am all for slowing any furSPORTS they have accumulated - donate, sell, ther growth of use of fossil based fugive to neighbors or just throw away.

By Jack Pearson els that harm our environment. But Thank the people in charge for those enough is enough. Any person who large green garbage cans.. can own an electric vehicle should be FFFFF able to pay his or her own way down EDITOR the highways. Any plans for ratepayers Jim McLoone to pick up the tab should be discarded.

WRITER/PROOFREADER Jill Slattery Hartland, WI 53029 ADVERTISING DIRECTOR 262-367-5303 Saran Piehl OWNERS ART DIRECTOR/PRODUCTION MANAGER Tom & Maureen Slattery Nicole Hesse PUBLISHER OFFICE OPERATIONS MANAGER Maureen Slattery Peggy Duffy

Learn about heart attacks Men and women may have differing symptoms when a heart attack comes calling. But regardless of the differing symptoms, heart disease is today’s number one killer of both men and women. Surprisingly, women having heart attacks generally occur when they are roughly 10 years older than men when they experience the first such attack.

Women also are more likely than not to have at least one other serious condition like diabetes, high blood TRAVEL pressure or congestive heart problems.

So it definitely makes sense for women to get the proper treatment for all of

EDITORIALS TRAVEL

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SENIOR Answer Man

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n, CFP

CRABBY

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MONEY SENSE

By Karen Ellenbecker & Julie Ellenbecker -Lipsky

Answer Man

DEAR SAM: I have heard that the cost of doing business in China is slowing inching upward. When they teach the plateau of such in the United States now, there Financial Fi i l Wellness W ll should be a resur“Planting Tomorrow’s gence of buying “Made in America.”

Dreams Today”

By BradItOlson, CFP time that the Alleluia! is about American worker got a break.

What is your opinion? I know you value the local workers and their outAPRON put.

Emma STRINGS QUESTIONINGLY,

By Aunt Emma IVER IBERSEN

S ME CRABBY WHITE WRITES

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By Enis Wright I am not yet crabby about our the WRIGHT subsidizing of millionaires who drive SIDE of those fancy electric motor vehicles.

By Enis Wright

HERMAN WHITE WRITES

But I am leery of plans to install electric recharging stations along the highways and byways that either the government or our electric power bills will McLoone provide.

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• 5A

Avoiding taxes has consequences

BY TOM MARGENAU Nobody likes paying taxes, including Social Security self-employment taxes. And some people will go to great lengths to avoid paying them. But that can have consequences. This week’s emails brought several examples.

I had one email exchange with a guy -- let’s call him “Jack” -- that started with this. “I am 59 years old and have many health problems. I applied for Social Security disability benefits and was denied. They said I was not insured. When I asked what that meant, they told me I didn’t have enough Social Security quarters. I explained to them that I worked all my life. For 25 years, I worked at a job where Social Security taxes were withheld from my paycheck every other week. How can they say I don’t have enough work?”

On the surface, it sounds like Jack either got some bad service or bum advice from his Social Security office, right? But actually, I guessed almost immediately what the problem was. I wrote back to him and asked him what kind of work he’s been doing lately.

Jack’s second email told me that for the past eight years, he’s been self-employed. His business did moderately well. But he said he had a clever accountant who used various “tricks” (as he called them) so that he actually showed a loss for six of those eight years. Thus, he did not pay any Social Security taxes in each of those “loss” years. He was quick to point out to me that everything the accountant did was legal.

Sadly, Jack is now paying the price for his and his accountant’s bookkeeping shenanigans. Jack didn’t count on becoming disabled. And Jack didn’t know that the law requires a disability claimant to have a recent work and tax payment history. Specifically, the law says that someone Jack’s age needs to have worked and paid Social Security taxes in five out of the last 10 years.

That “five out of the last 10” rule does not apply to retirement benefits.

So when Jack turns 62, he will be able to collect a reduced retirement check from Social Security. But it sounds like it’s going to be a rather lean next three years for Jack. Maybe his accountant

can lend him a few bucks!

And in a similar vein, I had another email from a woman we’ll call “Jill” who said her 66-year-old husband has been self-employed for years. I will let her take up the story. “My husband thought he was clever and he always cooked the books to pay the smallest tax possible. He was banking on investments to keep us going in retirement. But they tanked. Now he is stuck with a small Social Security check that he took at age 63. Thank God I had a good job and get a nice pension, and I will get a much bigger Social Security check when I turn 66 in three more years. We’re living on my pension and his little Social Security check. I want to know if he can get half my benefits as my spouse now since I’m already over age 62 and he is 66?”

I had to write back and tell Jill “no.” He can’t get any dependent husband’s benefits on her record until she applies for her own Social Security. If she waits until age 66 to file, then she would get 100 percent of her benefits and he would get a percentage of hers, but not really half.

I told her she had two other options: one that would help out in the short range if money is an issue and another that would be a long range solution.

Since Jill is age 62 already, she could file for reduced retirement benefits. And then her husband could file for spousal benefits on her account.

Jill’s long-range option involves employing one of the maximizing strategies I’ve talked about so often in this column. If she waits until age 66, she could file for wife’s benefits on her husband’s record. She would get one half of his age 66 rate, even though he took reduced benefits at age 63. Then when she turns 70, she could switch to 132 percent of her own retirement benefit, and at that point, her husband could file for spousal benefits on her record.

And here is one final story involving a guy who didn’t necessarily go out of his way to avoid paying Social Security taxes. But he pulled another gambit that has had rather dire consequences for his wife whom I’ll call “Sue.” And I will let her explain.

“I never thought about Social Security before. But now that I am 60

and my life is in financial turmoil, it’s on my mind. My husband and I ran a small business for 30 years. We were rather successful. But two years ago, he moved in with one of our employees -- a woman 25 years younger than me. Now he is asking for a divorce. I thought because we had filed joint tax returns for all these years, that we were splitting everything, including Social Security. But my lawyer tells me that he took it all. I’ll let the lawyer handle other financial matters. But what can I do to get my Social Security back?”

My message to Sue was one I’ve delivered to lots of women in her situation over the years. I told her (only half flippantly): “You can hope your soonto-be ex husband drops dead!” Realistically, the only way Sue is going to get any decent amount of Social Security out of this relationship is in the form of widow’s benefits.

As I’ve written about frequently in this column, many moms get the shaft, Social Security speaking, in a mom and pop business. And that’s because almost always, pop (or pop’s accoun-

tant) puts all the Social Security eggs in pop’s basket. Even though a joint tax return is filed, the Social Security part of that tax return (the Schedule SE) has pop’s name and pop’s Social Security number on it. So pop gets all the credit and all the Social Security benefits.

As long as they stay married, this might not be too bad of a deal for mom because pop gets a big Social Security check and mom gets half of it. But in Sue’s case, as a divorced woman, she’ll be stuck with only her mom’s half while pop is spending his full share on his young bride. Sue can only hope the excitement kills him. Then she gets it all!

If you have a Social Security question, Tom Margenau has the answer.

Contact him at thomas.margenau@ comcast.net. To find out more about Tom Margenau and to read past columns and see features from other Creators Syndicate writers and cartoonists, visit the Creators Syndicate website at www.creators.com.

Expires 10/31/15

By Aunt Emma

6A • 50PLUS • SEPTEMBER 2015

AGING ISSUES

By Tom Frazier

IT MAKES ME CRABBY

Investing - Sectors and the business cycle Do you know your sector weightings? An objective of portfolio management is to be invested in sectors that are, or are likely to become the strongest sectors for the current economic conditions.

To determine your sector weightings it is important to understand: • The current phase of the business cycle: Phase 1 - Business growth rises but remains below its growth potential. Phase 2 - Business growth rises above its long-term growth potential.

Phase 3 - Business growth declines, but remains above its long-term growth potential. Phase 4 - Business growth declines and falls below trend.

• The economic indicators supporting the behavior of the business cycle. Select the sector or sectors that perform well in the current phase.

• The next phase of the business cycle. Your strategy based on sector weighting should be planned to make the transition from the current phase to the next one.

Logically, an investment strategy should be based on the diversification of focusing the investors’ capital in those sectors favorably impacted by the cur-

PLANTING TOMORROW’S DREAMS TODAY

By Brad Olson

rent phase of the business cycle. By using the business cycle methodology investors are able to build a portfolio, which will hopefully provide solid performance during the phase of the business cycle being anticipated.

Over the years I have become a SPORTS Advivery active user of Morningstar

By Jack Pearson sor, which provides a way I can quantify the sector weighting of a portfolio. I feel this is one of the key points in allowing you to control your risk and give you the best opportunity to provide competitive returns versus your benchmark. Morningstar divides the economy into three super sectors and 11 sub-sectors. All individual stocks or all securities in fund portfolios can be identified or classified

by Morningstar. If an investment cannot be identified or classified, it will be reflected as unclassified.

Cyclical -The cyclical super sector includes industries significantly impacted by economic shifts. When the economy is prosperous these industries tend to expand and when the economy is in a downturn these industries tend to shrink.

In general, the stocks in these industries have betas of greater than 1. This sector is made up of basic materials, consumer cyclical and real estate.

Sensitive - The sensitive super sector includes industries which ebb and flow with the overall economy, but not severely so. Sensitive industries fall between the defensive and cyclical industries as they are not immune to a poor economy, but they also may not be as severely impacted by a poor economy as industries in the cyclical super sector.

In general, the stocks in these industries have betas that are close to 1.This sector is made up of communication services, energy, industrials and technology.

Defensive - The defensive super sector includes industries that are relatively immune to economic cycles.

These industries provide services that consumers require in both good and bad times, such as healthcare and utilities.

In general, the stocks in these industries

have betas of less than 1. This sector is made up of consumer defensive, healthcare and utilities.

Your individual portfolio should be constructed based on your objectives, risk tolerance, asset allocation theories and customized according to the fundamentals of the business cycle. Make sure your sector rotation is based on market logic, as market timing can be a very tough game to win!

Please free to call Brad, President of Oak Tree Financial Services, directly with any financial planning and investment questions or suggestions for future article topics at 262-649-9202, or email him at brad@otfsllc.com.

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Securities offered through Questar Capital Corporation (QCC) Member FINRA/SIPC. Advisory Services offered through Questar Asset Management (QAM) A Registered Investment Advisor. Oak Tree Financial Services, LLC is independent of QCC and QAM. Certain insurance activity is independent of QCC or QAM. The information in this article is not intended to be insurance, investment, tax or legal advice. You are encouraged to seek tax or legal

By Enis Wright advice from an independent professional.

The content is derived from sources believed to be accurate. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security or insurance.

(1) Morningstar Advisor ©2015 Morningstar. All Rights Reserved. Morningstar Advisor WorkstationSM is a trademark of Morningstar.

(2) Benchmarks you use vary in conjunction to your risk profile.

(3) Beta - A measure of an investments sensitivity to market movements. The beta of the market is 1.00 by definition (you can compare verse different benchmarks). right dec

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SEPTEMBER 2015 • 50PLUS

Social Security benefits outside the US

BY TOM MARGENAU I’ve been saving up some questions from readers who either live, or plan to live, outside the United States.

Of course, all of their questions have to do with their eligibility for Social Security benefits.

Before I go any further, I am going to point out that the rules regarding getting Social Security benefits overseas can be quite complicated, especially for people who are not U.S. citizens but who are living here legally and who worked and paid Social Security taxes in the U.S., or who are married to someone who did. There are so many variables to their potential eligibility for benefits that I can never be 100 percent sure I am giving them accurate information. That’s why I always refer people in these situations to a booklet the Social Security Administration produces called “Social Security -- Your Payments While You Are Outside The United States.” Here is a link to that pamphlet: http://www. socialsecurity.gov/pubs/EN-05-10137. pdf. If you are considering moving to another country, you definitely need to read that booklet. But I will take a stab at these questions anyway.

Q A

: I am a 66-year-old retiree who is thinking of moving to England. Can I get my benefits there? : You didn’t say, but I will assume you are a U.S. citizen.

If you are, then you can move just about anywhere in the world and your Social Security benefits will follow you. Your Social Security payments will be directly deposited to the bank of your choice in Great Britain.

Q

: I am a U.S. citizen who retired and moved to Belize.

I am about to turn 62, and based on all my research, I am sure I can get my Social Security benefits here. But my primary question is about my wife. She is a German citizen. Will she be able to get any of my Social Security benefits?

A

: You are right. As a U.S. citizen, you can get your Social Security benefits while living in Belize. But your wife is a different story. You are going to have to read the booklet I mentioned earlier because there are many variables that could impact her eligibility. I will mention just one of them. Your wife must have lived with you in this country for at least five years before you moved to Belize.

Q

: I am a U.S. citizen who recently moved to Florence, Italy. I am 65 years old and took my Social Security at age 63 back when I still lived in America. I have been offered a job working with American tour groups. It’s just parttime work and I will make only about $10,000 per year, well under the Social Security earning penalty limits. I thought everything was OK until I talked to someone at the local U.S. consulate. She told me I will lose my Social Security check any month I work over 45 hours. (I would probably work well over 45 hours especially in the summer months.) I saw your column online and was hoping you could help. : It all depends on if you are working for an American employer or an Italian one. If the tour company you will work for is American, then the same rules apply to you there in Florence as they would here in the U.S. And those rules say as long as you keep your earnings under $15,720 per year, you will be due all of your Social Security benefits.

But if you work for an Italian (or other foreign) employer, then the 45hour rule the consulate official told you about applies. And to reiterate, that rule says any month you work for more than 45 hours, you aren’t due your Social Security benefit. It doesn’t matter how much you might work in any one day or week, or how much money you might earn. If you go over the 45-hour monthly limit, you lose a check for that month.

And if you are working for a foreign employer, you should know that once you reach age 66, all these earn-

A

SOCIAL SECURITY continued on page 9A

• 7A

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8A • 50PLUS • SEPTEMBER 2015

Believe it or not, it is the rare man who has low T.

By Dr. David Lipschitz Thanks to a brilliant marketing campaign, there has been increased awareness amongst men of the condition known as “Low T” – an easier way to relate to testosterone deficiency.

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eryone know how widespread testosterone deficiency is amongst men from age 30 onward. To make the problem easier to understand, and by using a nationwide campaign blitz, “Low T” is now a household word. If you don’t have it, you’d better get it. After all, if you have it, you are part of the “in” crowd, working on anti-aging and on the hope of being forever young. Numerous scholarly studies have indeed shown that in men over the age of 45, an average of 37 percent will have testosterone levels in the low normal –but not deficient—range.

Low testosterone does interfere with some critical important functions.

The hormone is essential for the production of viable and healthy sperm, and it plays a role in libido, but not in regard to becoming aroused or having an erection. It is not surprising, therefore, that a research study just published in The Annals of Internal Medicine showed that adding testosterone to the erectile dysfunction drug Viagra in men with low testosterone did not improve the quality of the erection in any way. Testosterone is also essential for

strong healthy muscles and bones, and when deficient, can lead to osteoporosis and weakness. These symptoms generally occur in men beyond the age of 75 and are much rarer in men in their 60s.

What is attracting men of all ages to “Low T” clinics, which have blossomed everywhere, are the non-specific symptoms that have been ascribed in part to low testosterone. These include fatigue, reduced muscle mass and weakness, decreased sports performance, depression, increased body fat, decreased bone strength, loss of body hair, a need to shave less frequently and temporal crown baldness. Whether in a doctor’s office or at a “Low T” clinic, patients are begging for a testosterone shot preferably combined with a Vitamin B12 injection to help their vim and vigor.

Because so many of the symptoms of low testosterone are non-specific and could be caused by stress, depression, sleep disorders and many other conditions, rushing to treat a younger patient with a testosterone injection or cream should be done with caution.

Testosterone should not be used as a panacea for more energy, better sleep habits or greater prowess on the tennis court or golf course. It should be used for far more serious problems such as infertility, muscle mass loss, osteoporosis and improving libido.

And testosterone is not without side effects. It can lead to prostate cancer and cause the prostate to enlarge, leading to symptoms of Benign Prostatic Hypertrophy, causing difficulty with voiding and emptying the bladder completely. Accidents can occur as well. Prior to initiating treatment with testosterone, the Prostate-Specific Antigen test should be measured, and the patient examined to define the severity of Benign Prostatic Hypertrophy.

New evidence suggests that high risk may increase the risk of cardiovascular disease. At the moment, therapy can be given as self-administered injections every two weeks. This is the safest approach, as material can easily be discarded to avoid contamination of others. There are testosterone creams available that are effective, easy to use LOW T continued on page 9A

SOCIAL SECURITY continued from page 7A

ings penalty rules go out the window and you can work as much as you want and make as much money as you want and still keep getting your Social Security checks. : I am 68 years old and getting my Social Security. I have a 64-year-old Mexican-born wife who is getting spousal benefits on my record. She is not a U.S. citizen but she has lived in this country (legally) for 27 years. We have been married for 25 years. We are thinking of moving to Mexico. I called Social Security and they told me that if we move, they will automatically withhold 30 percent of each of our Social Security benefits. Is this true?

Q

LOW T continued from page 8A

but very expensive. And if a woman, child or pet comes in contact with cream, virilization can occur.

The most important positive endpoints of treatment are improved libido, more muscle strength, less fatigue and less osteoporosis, And remember: There are significant side effects such as acne, hirsutism, male pattern baldness, seborrhea, breast soreness, priapism (a painful enlarged penis), bladder irritability, headache, virilization, liver damage and bleeding tendencies.

Sadly, hormone replacement with testosterone for men, and estrogen and progesterone for women, are not the fountains of youth. And the long-term side effects are more serious than any short-term benefit.

SEPTEMBER 2015 • 50PLUS

A

. It’s not quite true. I take it from the tone of your email that you are a U.S. citizen. If that is the case, then your benefits will be subject to taxes once you move to Mexico in the same way your benefits are currently subject to taxes here in the U.S. But they will not withhold any of your benefits up front directly from your Social Security checks.

But it is a different story for your wife. Because she is not a U.S. citizen, the law says the government must withhold federal income taxes before sending her check to Mexico.

This may sound a little convoluted, but they must withhold 30 percent of 85 percent of her benefits. By the way, this up-front withholding does not take place for people who live in countries that have a tax treaty with the U.S. Unfortunately, Mexico is not one of those

To find out more about Dr. David Lipschitz and read features by other Creators Syndicate writers and cartoonists, visit the Creators Syndicate Web page at www.creators.com. More information is available at DrDavidHealth.com.

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countries.

If you have a Social Security question, Tom Margenau has the answer.

Contact him at thomas.margenau@ comcast.net. To find out more about

• 9A

Tom Margenau and to read past columns and see features from other Creators Syndicate writers and cartoonists, visit the Creators Syndicate website at www.creators.com.

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10A • 50PLUS • SEPTEMBER 2015

Common Aging Eye Problems Many of us, as we age, will be diagnosed with eye diseases and conditions. Thankfully, due to research and the great number of people having these conditions, there are now treatments, surgeries and therapies to help improve sight. Some of the common aging eye conditions are: CATARACTS A cataract is a clouding of the lens in your eye. It affects your vision. Cataracts are very common in older people. By age 80, more than half of all Americans either have a cataract or have had cataract surgery.

A cataract can occur in either or both eyes. It cannot spread from one eye to the other. Common symptoms include:

• Blurry vision • Colors that seem faded • Glare - headlights, lamps or sunlight may seem too bright. You may also see a halo around lights.

• Not being able to see well at night • Double vision • Frequent prescription changes in your eye wear Cataracts usually develop slowly. New glasses, brighter lighting, anti-glare sunglasses or magnifying lenses can help at first. Surgery is also an option. It involves removing the cloudy lens and replacing it with an artificial lens. Wearing sunglasses and a hat with a brim to block ultraviolet sunlight may help to delay cataracts.

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Your retina is the light-sensitive tissue at the back of your eye. You need a healthy retina to see clearly.

Diabetic retinopathy damages the tiny blood vessels inside your retina.

YOU MAY NOT NOTICE IT AT FIRST. SYMPTOMS CAN INCLUDE: • Blurry or double vision • Rings, flashing lights, or blank spots • Dark or floating spots • Pain or pressure in one or both of your eyes • Trouble seeing things out of the corners of your eyes

Treatment often includes laser treatment or surgery, with follow-up care.

Two other eye problems can happen to people with diabetes.

A cataract is a cloud over the lens of your eye. Surgery helps you see clearly again. Glaucoma happens when pressure builds up in the eye, damaging the main nerve. Eye drops or surgery can help.

If you have diabetes, you should have a complete eye exam every year. Finding and treating problems early may save your vision.

Cataracts usually develop slowly.

New glasses, brighter lighting, anti-glare sunglasses or magnifying lenses can help at first.

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12A • 50PLUS • SEPTEMBER 2015

GLAUCOMA Glaucoma is a group of diseases that can damage the eye’s optic nerve.

It is a leading cause of blindness in the United States. It usually happens when the fluid pressure inside the eyes slowly rises, damaging the optic nerve. Often there are no symptoms at first. Without treatment, people with glaucoma will slowly lose their peripheral, or side, vision. They seem

to be looking through a tunnel. Over time, straight-ahead vision may decrease until no vision remains.

A comprehensive eye exam can tell if you have glaucoma. People at risk should get eye exams at least every two years. They include: • African Americans over age 40 • People over age 60, especially Mexican Americans • People with a family history of glaucoma There is no cure, but glaucoma can usually be controlled. Early treatment can help protect your eyes against vision loss. Treatments usually include prescription eyedrops and/ or surgery.

MACULAR DEGENERATION Macular degeneration, or age-related macular degeneration (AMD),

There is no cure, but glaucoma can usually be controlled. Early treatment can help protect your eyes against vision loss. is a leading cause of vision loss in Americans 60 and older. It is a disease that destroys your sharp, central vision. You need central vision to see objects clearly and to do tasks such as reading and driving.

AMD affects the macula, the part of the eye that allows you to see fine detail. It does not hurt, but it causes cells in the macula to die. There are

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two types: wet and dry. Wet AMD happens when abnormal blood vessels grow under the macula. These new blood vessels often leak blood and fluid. Wet AMD damages the macula quickly. Blurred vision is a common early symptom. Dry AMD happens when the light-sensitive cells in the macula slowly break down.

You gradually lose your central vision. A common early symptom is that straight lines appear crooked.

Regular comprehensive eye exams can detect macular degeneration before the disease causes vision loss.

Treatment can slow and in some cases improve vision loss. It does not restore vision.

TREATMENT FOR WET MACULAR DEGENERATION An intravitreal injection is a shot of medicine into the eye. The inside of the eye is filled with a jelly-like fluid (vitreous). During this procedure, your health care provider injects medicine into the vitreous, near the retina at the back of the eye. The medicine can treat certain eye problems and help protect your vision.

DESCRIPTION The procedure is done in your health care provider’s office. It takes about 15 to 30 minutes.

• Drops will be placed in your eyes to widen (dilate) the pupils.

• You will lie face up in a comfortable position.

• Your eyes and eyelids will be cleaned.

• Numbing drops will be placed in your eye.

• A small device will keep your eyelids open during the procedure.

• You will be asked to look toward the other eye.

• Medicine will be injected into your eye with a small needle. You may feel pressure, but not pain.

• Antibiotic drops may be placed in your eye.

SEPTEMBER 2015 • 50PLUS

• 13A

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14A • 50PLUS • SEPTEMBER 2015

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2. WHEAT BERRIES. A 2015 American Journal of Clinical Nutrition study found that eating whole wheat and the polyphenol antioxidants it contains can lower inflammation.

3. EXTRA VIRGIN OLIVE OIL. Olive oil contains oleocanthal, a naturally occurring compound with anti-inflammatory powers similar to ibuprofen.

4. LENTILS. Eating four servings of legumes, such as lentils, weekly can reduce inflammation, according to Spanish scientists.

5. SALMON. The high amounts of healthy omega-3 fats also lower inflammation.

6. GRAPEFRUIT. A Harvard study showed that women with higher intakes of flavonoid antioxidants from grapefruit had significantly lower inflammation markers compared to those with the lowest intakes.

7. BRAZIL NUTS. These nuts contain a bundle of healthy fats, vitamins and minerals that not only lower inflammation but also improve blood lipids.

8. TURMERIC. Indians who follow a traditional diet tend to have low rates of heart ailments. Curcumin, the antioxidant that gives turmeric its yellow color, fights inflammation.

9. YOGURT. Preliminary research suggest that the beneficial bacteria found in fermented dairy, like yogurt, may play a role in inhibiting inflammation.

RESEARCH In a study published online in May in the American Journal of Clinical Nutrition, healthy adults 60 to 85 were randomly assigned to receive a fish oil supplement or a placebo. After six months, the group taking the fish oil supplement had increased handgrip strength, thigh muscle volume and enhanced upper-and lower-body strength. Researchers suggested that these improvements could be comparable to preventing two to three years of muscle mass loss that normally occurs due to aging.

Information courtesy of Food and Nutrition magazine, July/August 2015.

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• 15A

Social Security and your spouse – Some great advice from AARP

By Jean Setzfand Do you want to do something really special for your spouse?

Then skip the chocolates and flowers, and let’s talk Social Security.

Okay, it’s not the most romantic topic, but if you plan well, your spouse will feel your love for years to come.

Let’s start with the basics.

Normal retirement age for Social Security is currently 66 if you were born between 1943 and 1954. (It rises to 67 if you were born in 1960 or later). But “normal” doesn’t always mean “best.”

To get the highest benefit from Social Security, you can delay retiring up until age 70. Now, you might not end up in a position to do this, but it’s well worth it if you can. Your benefit goes up 8% a year until age 70.

On the other hand, you’re permitted to take Social Security beginning at age 62. But this can reduce your benefit by 25% or more.

Here’s an example for someone with a $1,000 monthly benefit at normal retirement age: CLAIMING AGE 62 66* 70

Here’s how it affects your spouse: #1. YOU’LL HAVE HIGHER ANNUAL INCOME AS A COUPLE. The longer you wait to begin taking your Social Security retirement benefit (up to age 70), the more income you’ll have as a couple. A few hundred dollars a month in additional income during retirement can have a meaningful impact on your budget. #2. HER SURVIVOR BENEFIT WILL BE HIGHER. If you die first, your spouse gets 100% of your retirement benefit. If you take your benefits early, you’re leaving her with less monthly income for life. If you retire later, you’re giving her a monthly gift that keeps on giving. And, if you outlive her, you still have the higher benefit. #3. SHE CAN START CLAIMING BEFORE YOU RETIRE. Here’s a neat option if your spouse has lower lifetime earnings than you – it’s called the “file and suspend” strategy. You can file for your retirement benefit at your MONTHLY BENEFIT $ 750 $1000 $1320

*For individuals born between 1943-1954. normal retirement age, but ask to So now you know how deciding receive it later. when to claim affects you.

When you do this, the love of your life can file for spousal benefits on your work record. Then, when you turn 70, you can start receiving your higher benefit.

Social Security has a built in way of increasing retirement benefits for your spouse if she has earned less income than you over her lifetime. If her retirement benefit will be less than yours by 50% or more, she’ll get the higher amount. She can wait until her full retirement age to claim this “spousal benefit” to maximize her monthly income.

There’s a lot for couples to consider when looking at Social Security retirement benefit options. It’s not the easiest thing to do in the world, but then again, neither is love! But everything worthwhile is worth working on.

Hmm. Social Security claiming is kind of romantic after all.

To learn more about Social Security, head on over to www.aarp. org/work/social-security. You can also find lots of information from the Social Security Administration at www.ssa.gov.

Jean C. Setzfand is Vice President of the Financial Security issues team in the Education and Outreach group at AARP. She leads AARP’s educational and outreach efforts aimed at helping Americans achieve financial ‘peace of mind’ in retirement. She can be reached at jsetzfand@aarp. org

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EDITORIALS

16A • 50PLUS • SEPTEMBER 2015

Have you discovered Elkhart Lake?

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By Jim McLoone Wisconsin’s Elkhart Lake may be a legendary getaway destination with its 400 or more waterfront resort style accommodations, its otherwise Answer Man relatively quiet demeanor and a mostly very friendly spirit as residents of the 1100 population hamlet are eager to and greatly involved in serving tourists. The lake, golf, and Road America do take center stage.

Without what we would refer to as a modern day motel anywhere in sight, the community of Elkhart Lake has welcomed vacationers since the latter part of the 1800’s. But the mega-number of rooms at the lakeside, or just across the street from it, hotels easily welcome families with total numbers of guests well over 1,000 at various times. The premier property is the much-advertised Osthoff Resort, which dates to 1870 with the arrival in the community of Otto Osthoff.

Right next door to the Osthoff and up the hill a bit, but with lake Enis Wright frontage isBythe quaint, yet attractive Victorian Village Resort. This grand

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11-acre resort dotted with various buildings of different character, dates to 1872.

On the land side of Lake Street and sort of nestled between the Osthoff and Victorian Village is Seibkens’ Resort.

This has been an Elkhart Lake fixture since the turn of the 20th century. We will get into a bit more of the hotels’ details after a brief tour of the village and what we saw and enjoyed in the way of its offerings.

If you read the August edition of 50 Plus News Magazine, you already know that Road America, a race track

McLoone

Grand Victorian lady

IMAGE BY VICTORIAN VILLAGE RESORT

of historic proportions and one today that has been in operation since 1955, does attract thousands of spectators, and as well as race car drivers and crews. But since it is somewhat self-contained and at the south edge of the village, many of the National Park of Speed attendees may not find their way into the Elkhart Lake businesses.

As great as Road America is, we suspect that Elkhart Lake might slowly drift into near ghost town status without the beautiful lake at its side.

As both the Osthoff and Victorian resorts are at lakeside, most of their guests are there for water sports and even the older folks are seen paddle boarding, kayaking, canoeing, pontoon boating or at least enjoying the lake views from their decks, verandas or porches depending on where they are staying and their particular vantage point.

We enjoyed a pontoon boat ride around the lake with an old-timer at the wheel. The lake, with waters as pure as though they were coming from a water filtration plant, is said to be great for fishing – especially walleye – it is the second deepest lake in the state, and has what Native Americans referred to as healing waters. Some are used to this day in a spa treatment at the Osthoff Resort.

As for the spa, the aestheticians offer over 60 various massages and treatments. Several specialty treatments are

in the range of $40 and up. This writer had a half hour back massage that was only a $75 treatment, plus tip, of course.

We stayed at the Victorian Village in a nice rental condo with three bedrooms, nice furnishings, a large veranda and a bought-by-owner price tag of about $400,000. When not owner occupied, it is rented out by Victorian Village.

Naturally, the lake is the star of the show, but the hotels do also have swimming pools for guests.

What about dining? There are several nice dining establishments in the village; they’re housed downtown – three or so blocks from accommodations at the resorts – in older buildings that in Elkhart Lake’s economic heyday were home to other types of stores.

When busy, they tend to be a bit noisy.

The Paddock Club combines seasonal offerings with European traditions in cuisine, has a host of great wines and features craft cocktails such as “The Mourning After,” “Summer Breeze” and “Paper Airplane.” A “Cucumber Margarita” was enough to whet my whistle before I enjoyed a scallop’s main entre. The club is noted for its wines, having received the Wine Spectator’s Award of Excellence.

Also downtown, but within easy walking distance, is the Lake St. Café where the cocktails are hearty and the food offerings more in line with

SEPTEMBER 2015 • 50PLUS

Entrance to Siebkens Resort IMAGE BY SIEBKENS RESORT

what Mr. Average Joe likes for dinner.

I enjoyed steak and mashed potatoes, while my dining companion enjoyed scallops with some sort of cream sauce. While the dinners were good, the chocolate pecan pie would be almost enough to drive the hour and forty-five minutes again to enjoy another slice of it covered in ice cream.

We also enjoyed dinner one evening at the Back Porch Bistro at the Victorian Village. The food was great, the view was magnificent, but the two flights of steps down into the nice restaurant setting could not be recommended for many seniors. Going upward is a real huffer and puffer!

The block long Osthoff Resort, a four-diamond all-suite hotel, quite as

might be expected, has a nice restaurant in Lola’s, but before getting to that, there’s the Elk’s Room with a spectacular view of the lake, coffee and pastries in the morning and cocktails in the evening. While there, we also enjoyed a few samples from the Osthoff kitchen.

Lola’s on the Lake occupies one corner of the Osthoff and does so in an elegant manner as it is adjacent to a brick pathway, has views of the lake, an extensive wine list and great regional foods. It can be as fancy as you wish or the fare that Joe Friday might order if he was there.

We have barely mentioned the Seibkens Resort, located between the Victorian Village and the larger Ost-

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hoff Resort. Over 100 years old, the remodeled facility added the Lakeview Condominium Suites (one, two and three bedrooms) in 2008. Lunch there was very good, ample and nicely served. Seibkens also is the home to Sissy’s Coffee and Ice Cream Shoppe.

It has a great local reputation and has been in the same family for four generations – quite a record in a competitive resort community.

After you take the path around the lake and aren’t interested in further water sports, you can take your golf clubs to the village’s own 27-hole golf course, Quit Qui Oc. We guarantee you will find it to be sufficiently challenging and reasonably priced compared with some local golfing venues.

As for other places of interest and/ or activities, the Vintage Wine Store is worth a stop as is the Two Fish Gallery, where you might find yourself as a pottery maker.

The Osthoff Aspira Spa is infused with the healing spirits from the lake,

• 17A

according to Indian lore and while we’re writing about Indians, there’s Henschel’s Indian Museum nearby with artifacts that date back 8,00 years.

If you have the energy, you might hike the Ice Age Trail that is nearby in the Kettle Moraine State Forest and then, if you did work up an appetite, you might enjoy the tarts and pastries classes offered at the Osthoff Resort.

We saved some information on the nearby Wade House and stagecoach era museum in Greenbush for last.

This 27-room stagecoach inn dates to the 1860’s and if you’re at all into early Wisconsin history, you will get a thrill at what’s to be seen and heard here.

But if you go to Elkhart Lake for the activities at its Road America, please don’t rev your engines along the tranquil streets of the village that, as we have written previously, is quietly nestled along side one of the most pristine lakes in the state.

Join Fr. Neil from Campbellsport, WI

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Oct. 26-Nov. 7, 2015 Sunrise Cruise & Travel Call 262-798-1175 or call Fr. Neil at 920-533-4646

18A • 50PLUS • SEPTEMBER 2015

PLANTING TOMORROW’S DREAMS TODAY

By Brad Olson

HERMAN WHITE WRITES

Phil Toussaint, Golf and The Art of Calligraphy

Can you think of any connection between having nice handwriting and being a good golfer? “Of course not,” comes your puzzled reply, “there is none. Dumb question.” Well, perhaps.

And then, perhaps not. The article which follows is about a gentleman I met recently who has been sought for his services by many different entities over the past several years, primarily because of his skill in calligraphy, and yet he is also one of the best amateur golfers in Wisconsin.

He is Phil Toussaint, now 72, and his home is up in rustic Port Washington. Those of French descent would probably pronounce his surname properly; others might have a bit of difficulty. You say it like the city in Arizona, Tucson, with a little “t” sound at the end.

If you’ve ever been to a major golf tournament, such as the old GMO in Milwaukee, you know what a leaderboard is. It’s a large, billboard-type structure that lists all the players in the tournament, with small boxes after the names for the scores for the day. It is invariably located near the clubhouse, and usually has a large crowd standing in front of it, gazing up to see who is doing what. Today, most of them are electronic, and thus operated by computers. But for decades, they were operated by hand, by a man standing high up on a platform, writing in all the names and numbers. This is the work Toussaint did and does, at hundreds of golf events here in Wisconsin and all over the country.

It looks like an easy task, but then so does swinging a golf club look easy.

But to do it right, absolutely right, all the time, sometimes under difficult conditions, takes a very special skill.

Which Toussaint has, and is why he, particularly, is so sought after. He is so good at it that he has never had to apply for any scoring job. All of his assignments have come as a result of a request by the specific tournament or by a golf organization for his services.

Look at the photograph that accompanies this article of Toussaint, with him marking one such Leaderboard. The letters and the numbers are remarkably uniform, all the same size, some in certain colors, some in certain styles, and all in their appropri-

ARTS

ENTERTAINMEN

SPORTS

the WRIGHT SIDE of

By Jack Pearson

ate locations on the board. Everything is very readable, not only up close but also from several yards away. The surnames on this particular board are all of a gothic script, the given names and numbers in a block style, and the hometown of the participants in italic.

During an event, the scores are given to Toussaint by phone, and he is continually adding them to the board, up there eight to ten hours straight. The ink he uses, in several different colors, dries instantly, so there’s no erasing as on a blackboard. It is a mess to correct, and very little time in which to do it.

So the issue, naturally, is not to make mistakes; and since Toussaint rarely, if ever does, it explains why he has always been in such great demand.

“I’ve always loved the game of golf,” he told me, “and besides playing as much as I could, I also attended many tournaments as a youngster with my dad. It was at one of those golf outings that I noticed a large crowd in front of the leaderboard, all-intent on who was leading the event. There was a man up on the platform writing in all the latest scores, and his name, I found out later, was Charlie Kimmel. I thought the whole thing was quite interesting. I don’t recall the circumstances now, but later on in that tournament I was introduced to Kimmel. I told him I thought what he was doing was kind of neat, and that I’d like to learn how to do it someday. He was such a nice guy.

He said he’d be glad to teach me all about it himself. I asked how much he would charge, and he smiled and said it would be his pleasure to do so, and there would be no charge at all. That’s how it all began.”

I asked Phil what was the first tournament in which he worked as the leaderboard artist? “It was down in Oak Park, near Chicago,” he said.

“They must have liked my work, as they asked me to come back the next

calendar

By Enis Wright

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KILLING TIME with Jim McLoone

Phil Toussaint today. Even at age 72, Phil still maintains a 4 handicap. summer. Other golf tourney directors learned about me, too, through word of mouth, I guess, and more offers for work came in. As you noted earlier, I’ve never had to seek a job – they all came to me.” How many events have you worked, I asked. He paused, trying to recall. “I really have never kept count,” he said. “But it has to be over 200, maybe close to 300 now. I’ve always worked only about ten events a year. My golf leaderboard work has never been my primary job. My main work has always been in flooring sales.

Leaderboard work is not physically taxing, but it is time consuming. Most golf tournaments have an outing of some kind on the Wednesday of the week, and the tourney on Thursday through Sunday. I was usually on the job before the first group teed off, which was always early in the morning, and was there after the last group came in, late

in the afternoon. About10 hours a day, or 50 a week. I had to do that and still maintain my fulltime job in sales. So I rarely worked more than one golf outing a month.” Despite his limited time availability, Phil has worked tournaments all over the country. In addition to individual events, he has worked for the USGA, the PGA tour, the LPGA tour, the Western Golf Association and the American Junior Golf Association.

It was noted earlier in this article that Phil was one of the top amateur golfers in the state. When he attended college at UW-La Crosse, he was the number one golfer on the school golf team. More than that, he was the state champion three years in a row in college play.

I asked Phil what was his best handicap. He replied a “Plus 2,” which is most impressive. For those of you who don’t play the game, I’ll explain.

SEPTEMBER 2015 • 50PLUS

A handicap is the method in which the capability of a golfer is measured. For example when I played the best I ever was able to maintain was a 14 handicap. That kind of a handicap is not good enough to win any events, to be sure, but it’s better than what 90 percent of all golfers can do. A 5 to a 10 handicap means the golfer is one of the best at his club. Anything from a 0 to a 4 places the golfer among the very best in America. A Plus 2 handicap is two spots better than a 0. It is professional tour player quality. In fact, Phil turned pro for a few years from ‘64 through ‘71. Competing in Wisconsin State Golf Association events, Phil won the prestigious Governor’s Cup Tournament twice, in 1987 and 1988. That’s a pretty tough tournament, by the way.

Some of the other winners included golfing greats such as Archie Dadian, Dick Sucher, Frank Tenfel, Gary Menzel and Alex Antonino, so Phil is in good company.

I asked Phil if he was the busiest leaderboard artist-operator in the state? “Oh my no,” he replied. “Bill Linneman (Director of Rules and Competition for the WSGA) has done far more than I have.”

A while after I’d interviewed Toussaint I was talking with Gene Haas, the former Executive Director of the WSGA, and I asked him about Linneman. “Yes, Bill probably does more leaderboard work than anyone in Wisconsin,” Haas said. “But that’s just part of the story. It’s typical of Phil Toussaint that he didn’t mention his involvement in Bill’s work. When I started with the WSGA as its director, part of my responsibilities included doing the leaderboard work for all of our many events. But as other work piled up, I realized I had to delegate some of those responsibilities to others. Bill had just started with us at the time, and I asked him if he’d take over the leaderboard work. He agreed, but said that he knew nothing about it, and besides, he added, his writing was unreadable.

I had heard about Toussaint, so I went to him and asked if he’d come aboard for a while, handle the leaderboard responsibilities and teach Bill how to do it and to improve his handwriting. He did, and in a short time Bill was able to take over. We have Phil to thank for that, and he didn’t even mention it. You know, among other things, Phil is one

of the most humble and modest individuals you’ll ever meet.”

As noted, Phil lives today in Port Washington, but I’m sorry to say that he lives alone; his wife of 27 years, Patti, died in 2001. He has two daughters and one grandchild.

“Back in the ‘70s there were a group of us who used to get together once a week or so and play a round or two at Brown Deer,” recalled longtime Wisconsin PGA professional Dick Wallace. “There was Phil and myself, and Gary Menzel, Hal Koehler, Herman (Hammy) Gerger, Billy Brodell and Hervey Thompson. We were all fairly good golfers. Hal, for example, was a member of North Shore CC and won the club championship 13 straight times. Gary and Billy each won many WSGA tournaments and both are now in the WSGA Hall of Fame. Hammy was the long time starter at Brown Deer.

Hervey has passed on, but he may have been the best African American golfer ever from this area, and completely self-taught as well. He could hit the ball a mile. Phil was something, too.

Every part of his game was good, especially his putting. But if you didn’t see him play, you’d never know it. He was unpretentious to a fault. He never talked about himself or any of his accomplishments. I doubt if any of the fans at those tournaments where he was up on the leaderboard marking had any idea that he was a top quality golfer.”

To be sure, Phil Toussaint is one of a vanishing breed. Even though he is a champion golfer and is also exceptionally good up on the leaderboard, he is, as Haas and Wallace have noted, very modest and humble. After meeting and interviewing him, I’ll add a couple more accolades; he’s also refreshingly gracious and affable. Wouldn’t the world of sports be a lot better off if there was more of that around?

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Here’s Phil up on the Leaderboard, he composed all the names, numbers and home towns.

It’s called calligraphy, very good calligraphy.

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PLANTING TOMORROW’S DREAMS TODAY

By Brad Olson

20A • 50PLUS • SEPTEMBER 2015

HERMAN WHITE WRITES ARTS

SOLVING THE SENIOR TRANSPORTATION PROBLEM WITH YOUR HELP

ENTERTAINMENT

calendar

SPORTS

By Jack Pearson

September 3, 10 - 11 am Basic Computer Class Brookfield Public Library, 1900 N Calhoun Road, Brookfield Registration Required. This class is designed for those who have never used a computer before or have very limited experience. Learn/review mouse and keyboard skills and learn what computers are all about. It is RECOMMENDED that beginners attend the “Basic” class before attending any other classes. All of the hands-on computer classes are taught on laptop computers provided by the Library. To register call 262-782-4140, option 1.

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admission and parking. Food, theFreeWRIGHT games, carnival rides, live music on SIDE ofstages, classic car indoor and outdoor

By Enis Wright

show, Polka mass, face painting, balloon art, Friday fish fry, Brew City Wrestling and Veteran’s Appreciation Day on Monday with a free meal with a military ID.

KILLING TIME with Jim McLoone No matter where you live, work or want to get involved, we’ll match you with the best way to help!

Visit DriveGiveServe.org today!

You are invited to attend an interactive informational seminar

at VMP Senior Community Club - 8536 W. Oklahoma Ave. West Allis Thursday September 10th at 1:00pm or -Thursday October 8th at 1:30 Please rsvp @ 414-607-4186 and let us know if you plan to attend

September 3, 5:30 - 9:30 pm A Night for Remembering Avalon Atmospheric Theatre and Lounge, 2473 S. Kinnickinnic Ave., Milwaukee An exclusive screening of “I’ll Be Me,” Glen Campbell’s documentary about his struggle with Alzheimer’s Disease at the Avalon Theater in Bay View. This fundraising event is hosted by Capri Senior Communities and benefits the Alzheimer’s Association.

Advance tickets available by calling 262-798-1224.

September 4, 5 – 10 pm September 5 - 6, 9 am – 10 pm The Wisconsin Highland Games Waukesha Expo Center, 1000 Northview Rd., Waukesha The skirl of the pipes... the mighty strength of the athletes... the leaping grace of the dancers... the Wisconsin Highland Games are back, Labor Day Weekend in Waukesha! It’s a weekend of affordable Celtic fun for the entire family, kids 12 and under get in free.

Explore your family history, hurl a battle-axe, check out the kilts, play with and enjoy the dogs, or have a pint at the pub with some authentic Celtic music!

September 4, noon – midnight September 5 – 7, 9 am – 10 pm Oak Creek Lions’ Fest 2015 American Legion Post 434, 9327 S. Shepard Avenue, Oak Creek

September 5 -6, 10 am – 6 pm Third Ward Art Festival Third Ward, Milwaukee The Third Ward Art Festival returns to the heart of Milwaukee’s thriving arts and fashion district, the Historic Third Ward, for two dynamic days of artwork exploration, live music, and flavorful food from neighboring spots.

Featuring a robust display of mediums including ceramics, fiber, glass, jewelry, sculpture, mixed media, paintings, drawings, photography, printmaking, wood, and furniture, the festival will showcase an array of art, with an ample selection available for $100 or less.

September 5-7, 11 am - 3 pm Grand Champion Cheese Tasting & Sale Elegant Farmer, 1545 Main St, Mukwonago Straight from the state fair, taste the best of the best enjoying this year’s Grand Champion and Blue Ribbon award-winning artisan and specialty cheeses throughout Labor Day Weekend. Unique varieties, sampling and 10% off all cheese will be offered throughout the event.

September 6, noon – 4 pm 23rd Annual New Berlin Historic Day Historical Park, 19765 National Ave., New Berlin Mini parade of antique vehicles, blacksmith, Civil War re-enactors, Family/Old Time Sing-a-long, Story-Telling and entertainment.

SEPTEMBER 2015 • 50PLUS

September 9, 1:30 Cook it Fresh, Simple, and Tasty Regency Senior Communities, 13750 West National Avenue, New Berlin Nutritionist Betty Holloway and her assistant, Barb Andrekopoulus, discuss and demonstrate “food synergy” while they prepare a seasonal menu. Learn how to eat well for health and vibrancy. Samples and recipes provided to attendees. For additional information, call 262-789-1699.

September 11, 6 – 11:30 pm September 12, 11 am – 11:30 pm TosaFest 7615 W. State Street, Wauwatosa TosaFest 2015 continues Wauwatosa’s 36-year tradition of music, food, and family fun, to celebrate the historic village and community spirit. Each year, proceeds from TosaFest support community projects in the areas of education, safety and neighborhood improvement, to name a few. Countless volunteers work year-round to create a memorable event that entertains and benefits the whole community. Don’t miss the music, food and family fun!

September 12, 8 am - Noon Waukesha County Household Hazardous Waste Special Collection City Public Works Garage, 630 South Worthington St., Oconomowoc Free to any county resident (proof of residency required) Visit www. waukeshacounty.gov/hazardouswaste or call 262-896-8300 for more information.

September 12, 10 - noon Electronics and Appliance Recycling Collection Muskego City Hall Parking Lot, W182 S8200 Racine Ave., Muskego The City of Muskego is hosting Electronic & Appliance collection events for all area residents and businesses for the 2015 season. Electronics, batteries, small appliances, and major household appliances will be accepted. There will be a $15 charge for TVs.

September 12, 9 am – 5 pm Downtown Oconomowoc’s Fall Festival Shopping, live music, dance, food and festivities are offered at this annual event presented by the Downtown Oconomowoc Merchants Association.

This family event offers kids games, a beer tent, Burrito Biathlon, kayak races on Fowler Lake, a Chili pepper eating contest and street vendors.

September 11, 4 pm – midnight September 12, noon – midnight September 13, 11 am – 8 pm Indian Summer Festival Indian Nation’s largest cultural celebration - on Milwaukee’s beautiful lakefront. Veterans Parade, Exhibit and theme: Honoring Our Warriors, with special tributes for all Veterans, active Military Personnel and First Responders. Traditional Pow Wow, fireworks, Indian dance troupes, Native Music Awards Program (ISMA), Tribal Villages, cultural demonstrations, storytellers, Lacrosse demo’s & tournament, Juried Fine Art, American Indian traditional and contemporary entertainers, authentic foods, a Native farmers market, and an extensive Native marketplace featuring authentic jewelry, arts & crafts, clothing and so much more!

September 12, 10 am – 5 pm Waukesha Deputy Association Car, Truck N Bike Show Sussex Village Park, Sussex The Power of a Wish Car Show grows every year. 2014 brought in a record number of collector vehicles of all makes and models. Show your car for a chance to win the Kid’s Choice Award.

All proceeds to benefit the Make-AWish® Foundation of Wisconsin and the Autism Society of Southeastern Wisconsin. Cost to register a show car is $10, spectators are free. Trophies, food, beer, soda, door prizes, raffles, music provided by Wisconsin Hot Rod Radio. Huge silent auction tents, softball tournaments.

September 12 – 13, 10 am – 4 pm Trimborn Farm Harvest of Arts and Crafts 8881 W. Grange Ave, Greendale The vendors at Harvest are all chosen by a panel of judges for their

originality of design and quality of craft. From wearable art and holiday decorations to flawlessly detailed jewelry, paintings, and sculpture, the Harvest Festival features some of the most exceptional hand-crafted work in the Midwest. Limited parking, shuttle bus available every 20 minutes, picking up and dropping off at Southridge Mall, near Macy’s. Look for the signs!

September 13, noon - 4 pm New Berlin Historical Society Annual Historic Day 19765 W National Ave., New Berlin This is a family-friendly, free event at the Historical Park. Visit the historic houses, log home and barn, an1800s schoolhouse and church. In the museum you will find farm history displays along with military, police and fire history displays and a gift shop. Enjoy the parade down National Ave at 2 pm and watch a blacksmith at work. Kids will enjoy barrel rides through the apple orchard, trying their hand at old washing machines. There will be homemade desserts and beverages available for sale. For more information visit www. newberlinhistoricalsociety.org.

September 15, 2 - 3 pm Internet 1 Brookfield Public Library, 1900 N Calhoun Road, Brookfield Registration Required. Basic keyboard and mouse skills are necessary for all Internet Classes. This class is designed for those who have never used the Internet before. You will learn some Internet terms, how to move around on the Internet, and how to type Internet addresses. It is RECOMMENDED that beginners attend “Introduction to the Internet 1” before attending any the other Internet classes. All of the handson computer classes are taught on lap-

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top computers provided by the Library.

For additional information or to register please call 262-782-4140, option 1.

September 19, 9 am – 2 pm 15th annual Milwaukee River Challenge Hundreds of collegiate, high school and club rowers across the Midwest will compete. Spectators can line the three-mile challenge, which begins on the Menomonee River at 25th and Canal streets, proceeding east towards the Milwaukee River. Please visit www.milwaukeeriverchallenge.com or call 608.658.6175.

September 19, 10 am - 6 pm September 20, 10 am – 5 pm Wine & Harvest Festival 2015 Downtown Historic Cedarburg, W63 N641 Washington Ave., Cedarburg Autumn is the perfect season to visit Historic Cedarburg, especially during the 43rd annual Wine & Harvest Festival. Enjoy loads of harvest flavor - caramel apples, harvest apple brats and other fall favorites.

Milwaukee Area Square Dancers

INVITE YOU to join us for fun --fitness--friendship

Lessons offered at various locations starting in September

We welcome:

FAMILIES – COUPLES – SINGLES

Please contact us for a time and location that works for you. e-mail: sqdlessons@gmail.com

or Kate at 414-469-8644

Sept. 19, 2015

22A • 50PLUS • SEPTEMBER 2015

EDITORIALS

WE COME TO YOU!

STATE CAPITOL COMMENT

MONEY SENSE COMPUTER TRAINING FOR SENIORS!

By Karen Ellenbecker & Julie Ellenbecker -Lipsky

About Trump and Perot

Several presidencies have come and gone since Ross Perot saddled • View photos of grandkids. his prime time much-moneyed • Book vacations online. stallion and galloped into the pres• Research health related info. idential election as a third party • Check your investments. candidate. I know this well since as • Shop online! FiFinancial i lW Wellness ll a reporter of politics at that time, I “Planting Tomorrow’s Dreams Today” sat in the front row at one of canMOVING IN THE *

By Brad Olson, CFP GET A FREE ½ HOUR didate Perot’s boisterous campaign RIGHT DIRECTION of Skype, FaceTime, Facebook training

By Bruce Nemovitz outings in Naples, Florida. While I WWW.SENIORCOMPUCARE.COM with the purchase of 1½ hour session. am not certain how many votes he LEARN: Internet • Facebook • Email • Smartphones • Gadgets received – perhaps fewer than 20 LICENSED & INSURED • ©2015 SENIOR COMPUCARE • *FIRST SESSION ONLY. NEW CLIENTSAPRON ONLY. Emma percentMan – Perot is said to have asSTRINGS Answer

By Aunt Emma sured William Clinton of the desk in the White House.

While Perot appealed to some AGING ISSUES people of both the democratic and

By Tom Frazier republican parties, his aim, much more than less, was to be certain that George H.W. Bush was not to have a second term in the office of president. Why? There are different spins on the reasons for his canPLANTING didacy. One that seemed to fit the TOMORROW’S DREAMS TODAY picture at that time was that PresiBy Brad Olson dent Bush had slighted Perot once in a meeting. Perot was determined to keep him from a second term as president because of this.

While it does not seem reasonable that Perot would spend such SPORTS time and money to defeat Bush,

By Jack Pearson whatever his reason for doing it was sufficient for him to succeed.

Actually, his economy-based camBy Enis Wright paign theme caught fire with many voters. I recall Perot speaking to a full auditorium the time I listened to him and then interviewed him with Jim McLoone in Naples. If there was not venom in his words there was in his eyes that night. Still, the entire auditorium of mostly to the right of center people there jubilantly cheered his appearance.

By Matt Pommer

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IT MAKES ME CRABBY HERMAN WHITE WRITES

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I do believe in the dignity of man, of his right to be on this earth, to pursue happiness and to have a worthwhile job. I also believe in God and in the widest fulfillment of his wishes that right will triumph over meanness and wrongful wishes.

Right now, somewhat a political outsider, Donald Trump leads the Republican candidates in the polling of people’s choices.

But unbelievably so to our way of thinking. Still, with so many people in tune with his mean-spirited thoughts on immigration – no amnesty –we suspect that candidates Bush or Rubio, one of whom many believe to be the ultimate republican contender, will be in trouble at the polls. With their policies of amnesty and their gestures of kindness to all humans in the United States, while still fulfilling their duties as the potential leader of this nation, they would fall short of overtaking Hillary Clinton. The word is that Mrs. Clinton will be scarred by the email investigation going on now.

Without Trump, who has sent four businesses into bankruptcy and whose efforts to be the ultimate leader of the Republican Party cannot succeed if there is moral justice, we might give Bush or Rubio a chance at being elected.

As a third party candidate, Trump would be as successful as Perot. With Trump as the Republican standard bearer, we’d guess Hillary Clinton as the next president of the United States. Might that be the best choice anyway?

50 Plus News Magazine

SEPTEMBER 2015 • 50PLUS

• 23A

We Saw You At . . .

Everyone was a Winner at The “Thriller at Miller”

By: Margaret Pearson The 9th Annual VMP Grand Day and Thriller at Miller was just that last month – a beautiful, sunny day, and out on the field at Helfaer, three thrilling softball games. As always, the food and beverages were great. Entertainment was provided by the VMP Pep Band and the Milwaukee Bucks Grand Dancers. In addition to the VMP (Village at Manor Park) Foundation, the event was also sponsored by the Marquette University School of Dentistry, the Medical College of Wisconsin, the Wisconsin Army National Guard and many others.

Seniors and their families from all over Southeastern Wisconsin attended.

There were hard-fought, wel-played softball games between the VMP All Stars and the Super Seniors; between the Medical and Dental School students and the Super Seniors II; and between the Medical School students and the Dental School students for the prized Caduceus Cup. Scores for the games indicate their intensity, 13-12, 12-8 and 9-8. We won’t tell you who scored what, as everyone was a winner, players and crowd alike.

Here are a few happy faces we saw there.

The two gentlemen who served as announcers for the games as well as for the whole event, Sean Callahan of VMP, and Brian Trecel, Director of Admissions for the Marquette Dental School.

Al Runde of Oconomowoc and Mark Witte of West Allis.

Emmett Brook of Milwaukee, with Denise and Dudley Bragg of Toronto, Canada.

Donna Thompson from Greenfield, Jody Janowski of Milwaukee, Jackie Benka of South Milwaukee, and Shelley Higgins of Brown Deer.

Judy Kuehn of Greenfield, Cindy Kaczmarowski of New Berlin, Jerry and Angela Friday of Milwaukee, and standing, Kaz Kaczmarowski of New Berlin and Lynn Loosen of West Allis.

IT’S YOUR CALL!

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Best of S.E. Wisconsin

Section B

SENIOR HOUSING SEPTEMBER 2015 Vol 29 No. 9

2015

2B • 50PLUS • BEST OF S.E. WI SENIOR HOUSING • SEPTEMBER 2015

KATZ Premiere Properties

PORTICOS

LUXURY APARTMENT HOMES The Porticos is a gorgeous, quiet and secluded community nestled away in Fox Point, Wisconsin. It is conveniently situated between Good Hope Road and Brown Deer Road for easy access to an array of shops, restaurants and grocery stores. It is a mere twelve minutes from downtown and offers all the best that luxury apartment living has to offer including both an indoor and an outdoor pool, four tennis courts, basketball court and so much more. Our luxurious apartments are elegantly complimented by our manicured grounds, complete with fountains and green expanses, making the Porticos truly a beautiful resort for you to call home.

AVAILABILITY: Studio starting at $895, 1 Bedroom starting at $1025, 2 Bedroom starting at $1295, and 3 Bedroom starting at $2095 HEAT INCLUDED AND HEATED UNDERGROUND PARKING INCLUDED AMENITIES: z Central Air z Private Balcony or Patio z Full size Washer and Dryer z Walk-in Closets z Gas Range/Oven z Dishwasher z Microwave z Carpeting z Heated Underground Parking z On-site Car Wash z Four Tennis Courts z Basketball Court

z Exercise Room z Outdoor Swimming Pool z Indoor Swimming Pool z Saunas z Indoor Whirlpool z Onsite Salon z Community Library z Complimentary DVD rentals z Three Party Rooms with complete kitchens

500 W. BRADLEY RD • FOX POINT CONTACT: TROY 414-351-0070 WWW.KATZPROP.COM

WHITE OAKS There are apartments and then there is a WHITE OAKS APARTMENT HOME! Located just 10 minutes north of Downtown Milwaukee in the pristine Bayside; we are the North Shore’s Premier Address! Our lofts, ranch style or townhouse apartments await your inspection; with many floor plans to choose there is something for everyone. Our open, spacious and bright apartments feature great kitchens, ample living room dining rooms, lots of closet space and a comfortable outdoor patio deck.

Our spa includes an indoor Swimming Pool, Sauna, Hot Tub and Exercise Room.

We are walking distance from River Point and Audubon shops and restaurants; just north of the Brown Deer Road/Port Washington Road intersection on a quiet well manicured property; stop in or call for more information today.

AVAILABILITY: 1 Bedroom starting at $1075 | 2 Bedroom starting at $1295 AMENITIES z Air Conditioning z Heat Included z Indoor Heated Parking z Walk-in Closets z Balcony or Deck z Dishwasher z Microwave z Stove z Refrigerator z In Unit washer and dryer z Fireplaces z On site fitness center z Indoor Heated Swimming Pool

z Sauna z Indoor Whirlpool z Onsite dry cleaning drop-off/pick up z Onsite Maintenance-24 Hour Emergency Maintenance

z Office staff available 7 days a week z Controlled Entry z Storage Units z Party Rooms free of charge with complete kitchens and restrooms

9000 N. WHITE OAK LN • BAYSIDE CONTACT: GARY 414-352-9262 WWW.KATZPROP.COM

SEPTEMBER 2015

• BEST OF S.E. WI SENIOR HOUSING • 50PLUS • 3B

Best of S.E. Wisconsin

SENIOR HOUSING Bay Pointe Condominiums

Nelson Road & Bay Pointe Boulevard • Oconomowoc Contact Person: Patti Kunkel 262-567-1478 • www.bielinski.com/Condominiums/baypointe.aspx

With multiple ranch duplex and detached condominium floor plans available, many lifestyle options are available. The condominiums at Bay Pointe are built around two large ponds at the center of the neighborhood that offer catchand-release fishing. Additional lakes are nearby. All condominiums have an attached 2-car garage.

Breezewood Village I/II

450 Sunnyslope Drive • Hartland Contact Person: Cathrine Boerschinger 262-367-2868 • dominiumapartments.com

Dominium manages the best in affordable housing. Be proud to call this home. We are a wonderfully managed and maintained community offering everything you need in an apartment and more! We have 1-bedroom Section 8 and 2-bedroom Section 42 apartments available. Monthly rent for 1-bedroom is 30% income, 2-bedroom inquire within. Dona Lexa art classes, cards, bingo, annual rummage sale and resident picnics are among our most popular activities. Our staff has many years of experience and can’t wait to meet you.

Be Our Guest

Fall Open House September 27

The fun leading up to the Open House starts September 9—visit our website for details.

Brookfield Highlands

Apartments 55+ 20825 George Hunt Circle • Waukesha Contact: Cheryl Weink 262-798-9898 • HighlandsCommunities.com

Brookfield Highlands offers spacious one and two bedroom apartments. Our beautiful 38-acre resort-like community is nestled into a park-like setting that offers walking paths, picnic areas, a gazebo and much more! All of the buildings are equipped with elevators, access-controlled entries with intercoms and heated underground parking. Each apartment is equipped with gas forced heat, central air conditioning, fully equipped kitchens, oversized and walk-in closets, tub or walk-in showers, additional storage, washer/dryer connections or conveniently located community laundry rooms. Common areas include: Fitness Center, Library/Media Room, Hair Salon, Gardening Areas, Guest Suite, Fireside Room and Community Center. Enjoy a variety of social activities, travel, trips and tours including: catered dinners, golf league, dart ball, Waukesha Writer’s Group, guest speakers and entertainers, area concerts, exercise and fitness classes, educational seminars, themed parties, movies, card games and more! Become part of the Highlands family and Live the Highlands Life Today!

Cedar Bay Assisted Living

5595 County Road Z • West Bend • 262-306-4299 cedarcommunity.org 101 Cedar Lane • Elkhart Lake 920-876-4050 • cedarlanding.org

A division of Cedar Community, the nation’s 86th largest not-for-profit continuum of care provider, Cedar Bay Assisted Living provides an ideal home for those who need some assistance with activities of daily living. A unique service plan is created for each resident to ensure every person receives the services he or she needs while still being able to maintain his or her current lifestyle and personal privacy. Cedar Bay Assisted Living in both West Bend and Elkhart Lake CEDAR BAY continued on page 4B

More Life. More Style.

REGENCY BROOKFIELD

REGENCY MUSKEGO

REGENCY NEW BERLIN

777 N. Brookfield Rd. 262-780-0321

W181 S8540 Lodge Blvd.

262-679-0888

13750 W. National Ave. 262-789-1699

RegencySeniorCommunities.com

4B • 50PLUS • BEST OF S.E. WI SENIOR HOUSING • SEPTEMBER 2015

Best of S.E. Wisconsin

SENIOR HOUSING CEDAR BAY continued from page 3B

Live Well at Menomonee Place.

Offering quality amenities and compassionate, individualized care.

Enjoy a lovely choice of spacious apartments and an abundance of features that make daily life more enjoyable. To help ensure the well-being of our residents, we provide an individualized care plan and a full-time registered nurse available 24 hours a day. For a personal tour, call 262-255-4441.

TM

Menomonee Place

Senior Living

N84 W17147 Menomonee Avenue Menomonee Falls, WI 53051 262-255-4441

enlivant.com

A Beautiful Senior Community in an Ideal Location!

Exceptional Senior Living For Those 55 & Better

Pet Friendly and Smoke Free Living

k Wonderful on-site amenities, activities, focus on wellness k Quiet area with close access to popular retail/grocery k 24/7 Maintenance k Availability Limited! Visit Today-Move Before Winter

offer on-site awake nursing staff 24 hours per day, seven days per week; three delicious restaurant-style meals; medication assistance; weekly housekeeping; a vibrant program of social and recreational activities; emergency call system; reception services including transportation; and much more! Respite and rehab stays also available. Natural settings, a bias toward the healing aspects of autonomy and activity, and a not-for-profit mission all help make Cedar Bay a decision the whole family can feel good about.

Centennial Senior Apartments 400 E. Centennial Dr. • Oak Creek Contact Person: Teri Zeise 414-762-7762 • WimmerCommunities.com

Independent Senior Living Community for 55 and Better! Section 42, income limits may apply. Conveniently located within a mile of everything! Sunlit rooms, nice sized kitchens with all major appliances, safe bathrooms and great closet space. Rent includes underground parking, laundry, storage locker, activities and pool. Friendly and fun community encouraging friendships and an active lifestyle. Pet friendly. Smoke-free. Tours M-F, 8 a.m. – 4 p.m., Sat/Sun., Noon – 2 p.m. Living arrangements include 1 BD/1 Bath, 2 BD/1 Bath, great closet space, all units have balcony or patio, spacious rooms. Monthly rent $747/1BD, $877/2BD, rent includes underground parking and free laundry. Medical services include free blood pressure checks, Podiatrist and Audiologist services.

The Centennial offers Wii bowling, Bingo, Socials, live entertainment, seasonal parties, family night and craft fair and more! Supportive services include weekly transportation for grocery shopping, country store, salon, chapel and fitness room.

Creative Living Environments, LLC 4926 W. Washington Blvd., Milwaukee Contact Person: Laurie Hintz 414-258-9955 • www.cle-ccls.com

Creative Living Environments, LLC in Milwaukee and Waukesha counties is an assisted living company consisting of five gracious neighborhood homes and our NEW assisted living center, Haven, promote physical and emotional well-being, self-worth and independence. Our staff is uniquely skilled in assisting and supporting seniors. Each home is a state licensed Community Based Residential Facility (CBRF). We work together with residents and their families to enhance our residents’ quality and enjoyment of life. CLE Haven, a 24 bed facility, opening August 2015 is our new addition to our family of homes in Milwaukee County, and will excel in supporting seniors with mobility needs and those who must rely on caregivers to assist them, as well as seniors with complex medical, physical frailties and memory care needs. Monthly rent ranges from $3150 to $4200 depending on private or shared room and level of care.

East Terrace Apartments Independent Senior Living 801 N. East Ave. • Waukesha 262-544-9757

400 E. Centennial Dr. | Oak Creek

414.762.7762

WIMMERCOMMUNITIES.COM Income Limits May Apply

East Terrace Apartments is a HUD Section 8 facility approved for seniors, ages 62 or better conveniently located in downtown Waukesha. Rent is based on income, so income limits apply. Apartments are one bedroom with a large bathroom, which includes grab bars and an emergency pull cord. Lots of closet space.

Services that are available include blood pressure screening. Layton Hearing, on-

SEPTEMBER 2015

Best of S.E. Wisconsin

SENIOR HOUSING

• BEST OF S.E. WI SENIOR HOUSING • 50PLUS • 5B

Affordable Housing for 62+!

(Pay only 30% of gross income in rent)

ONE-BEDROOM APARTMENTS LOCATED IN site hair salon and resale shop. There are many activities available at East Terrace including coffee hour weekly, bingo weekly, exercise class, book exchange and much more. Feel free to contact us to get an application and schedule a tour.

Foresthill Highlands

Apartments and Townhomes 55+ 8930 West Highland Park Avenue • Franklin Contact: Lori Woodie 414-425-6611 • HighlandsCommunities.com

Foresthill Highlands offers spacious one and two bedroom apartments as well as townhomes. Our beautiful 94-acre wooded and resort-like community is nestled into a park-like setting that offers walking paths, picnic areas, recreational areas and more! All of the buildings are equipped with elevators, access-controlled entries with intercoms and heated underground parking. Each apartment is equipped with gas forced heat, central air conditioning, fully equipped kitchens, oversized and walk-in closets, tub or walk-in showers, additional storage, washer/dryer connections or conveniently located community laundry rooms.

Common areas include: Fireside Room and Community Room, Fitness Center, Garden Area, Sunroom and more! Enjoy a variety of social activities, travel, trips and tours including: catered dinners, Euchre, guest speakers and entertainers, area concerts, exercise and fitness classes, educational seminars, themed parties, movies, card games and more! Some apartments reserved for moderate income seniors. Become part of the Highlands family and Live the Highlands Life Today!

Forest Ridge, A Wimmer Senior Community 11077 W. Forest Home Avenue • Hales Corners Contact Person: Patti Frost, Administrator Mary Zurowski, Resident Services Coordinator 414-425-1148 • WimmerCommunities.com

Forest Ridge is your affordable hometown senior community in Hales Corners, offering Senior and Assisted Living in 1 bedroom, 2 bedroom and 1 bedroom with den floor plans. We offer three tiers of residence fees to choose from, plus optional a la carte services which can be tailored to your budget, needs and lifestyle. That means you pay for only those services and amenities you want, making Forest Ridge one of the best senior living values. Our quality-crafted 1-and 2-bedroom residences are ideally located in the Village of Hales Corners, nestled on a quiet, scenic 11-acre campus, just steps from Whitnall Park. We offer transportation to grocery shopping and scheduled events, bringing a world of convenience and enjoyment right to your door. We’re affiliated with Wheaton Franciscan Geriatric Medicine with an on-site physician clinic. It’s also a comfort to know our attentive, caring staff is available 24 hours a day. And should your needs change, there is no need to relocate. You can get the help you need right in your same Forest Ridge apartment.

Greenbrook Terrace

4955 S. Greenbrook Terrace • Greenfield 414-282-5044

Enjoy our senior community here at Greenbrook Terrace where you will have a lifestyle of tranquility and convenience. Scenic grounds and excellent views come with all of our units. Apartments feature air conditioning, extra storage, controlled intercom entry, wall-to-wall carpeting, frost-free refrigerator freezer, electric range, abundant closet space, bathtub grab bars with an electronic alert system in the bathroom. Living arrangements include one bedroom, one bath, spacious floor plans, large windows, private parking, spacious closets and GREENBROOK TERRACE continued on page 6B

Milwaukee • Wauwatosa • Butler • Racine

CALL TODAY

REILLY-JOSEPH COMPANY for an application

414-271-4116

Hurry and ask about immediate openings

www.lowincomerentalsmilwaukee.com

6B • 50PLUS • BEST OF S.E. WI SENIOR HOUSING • SEPTEMBER 2015

Best of S.E. Wisconsin

SENIOR HOUSING GREENBROOK TERRACE continued on page 5B

laundry facilities. Income restricted senior living with income limited. Popular activities include the community garden, Monday movies on big screen TV, card club and monthly luncheon. Supportive activity services include an onsite hair salon. We’re located one mile to Southridge Mall and close to grocery store.

Harwood Place

8220 Harwood Ave. • Wauwatosa Contact Person: Jessica 414-256-6800 • www.harwoodplace.org

Enjoy retirement by pursuing the confortable and convenient lifestyle of Harwood Place. Take advantage of an abundance of on-site amenities and a robust activities calendar. With emergency pull-cords and a 24-hour staff, your safety and security are our top priority. Enjoy this and more on 16 beautiful acres in the heart of Wauwatosa. We offer one-bedroom; one-bath and two-bedroom; two bath floor plans with monthly rents ranging from $1,400 - $3,060.

Wellness clinics, supportive services offered in you apartment, caters to your desire to stay in your home, yet meet additional needs are the medical services available. We have many popular activities: fitness classes, religious services, inhouse entertainment, various outings, weekly shopping trips. Transportation, wellness program, wellness clinics and restaurant-style dining is all provided here.

Harvest Pointe Condominiums

W. Market Street & Sweetbriar • Elkhorn Contact Person: Jeff Petersen 262-743-1340 • www.bielinski.com/Condominiums/HarvestPointe-c.aspx

Within walking distance of local shops and restaurants and a short drive from I-43, Harvest Pointe condominiums offer the beauty and craftsmanship of Bielinski construction, and the convenience of condominium living. The ranch duplex condominiums offer two-bedrooms, two baths, sunroom and an attached 2-car garage. Call today for your appointment.

Heritage At Deer Creek 3585 S. 147th St. • New Berlin 262-432-0222

Assisted Living and Memory Care residence. Within Heritage at Deer Creek you will find a warm and compassionate community where daily assistance is provided with love and utmost respect for personal integrity of our residents.

Our compassionate staff is trained to serve with an open heart and friendly smile. Living arrangements: Assisted Living – 43 apts., studios, 3 sizes/1 bedrooms, 2 bedrooms/2 baths, walk-in showers, individually controlled heat and air, kitchenette. Pets welcome. All utilities except telephone included. Memory Care – 33 private suites with bathrooms, most with walk-in showers. Monthly rent: Assisted Living – start at $2,955; Memory Care – start at $3,800. In house physician, podiatrist, coordination of therapies and lab services. Activities: lunch outings, movies, cards, bingo, happy hour and more. Affiliations: Lexington Heritage, Heritage Court, Heritage West Allis, Heritage Elm Grove, Heritage Court Waukesha and Heritage Lincoln Village in Port Washington.

Enjoy Retirement

Going Beyond Care to Caring

Restaurant-Style Dining • Social Activities & Entertainment • Day Trips • Theatre & Concert Outings Shopping Trips • Health & Wellness Programs • Health Care Continuum at the Lutheran Home

8220 Harwood Avenue, Wauwatosa | (414) 256-6800 | www.harwoodplace.org

SEPTEMBER 2015

• BEST OF S.E. WI SENIOR HOUSING • 50PLUS • 7B

Best of S.E. Wisconsin

SENIOR HOUSING Heritage Court

N48 W14250 Hampton Ave. • Menomonee Falls 262-442-1540

This is a 34 unit, secure Memory Care residence. When you enter the doors of Heritage Court you will find a warm and compassionate community with a very home-like atmosphere. We have caring, dedicated caregivers on staff 24 hours a day to provide our residents with love, respect and dignity. With an enclosed outdoor garden, residents can enjoy the outdoors in a safe and secure area. We provide three home-cooked meals a day and snacks and have an array of activities for everyone to enjoy. All private suites with private bath. Activities: outings, movies, cards, daily events and more. Affiliations: Lexington Heritage, Heritage at Deer Creek, Heritage Court Waukesha, Heritage West Allis, Heritage Elm Grove and Heritage Lincoln Village in Port Washington.

Friends

The Silvernail 55 and Better Apartment Community

Join Us!

Heritage Court Waukesha 1831 Meadow Lane • Pewaukee Contact Person: David Moeller 262-542-3434 • www.heritagesenior.com

A 36 unit, 38 bed for profit facility with no enrollment/endowment fee.

Choose from 34 studios 255 – 320 sq. ft. and 2 -1 BR – 490 sq. ft. rooms. Spouses may share the 1 BR units only. Monthly rent starts at $4,800 - $5, 500 with 3 meals per day included in fee. Recreation programs include Music and Memory Program, Walking Club, Memory Training Centers of America, stretching, physical and cognitive exercises, arts and crafts, cooking and baking club, outings, live entertainment and pet therapy. We have a full-time RN, 24 hr. nurse on call. Heritage Court Waukesha has a well-trained thoughtful staff that will meet the care and needs of our residents 24 hours a day. Peace of mind knowing that our residents can maintain their independence and individuality in a safe, nurturing environment. The brand new Heritage Waukesha offers a whirlpool spa, on-site beauty salon, patio and courtyard, multi-sensory Snoezelen room, therapy room and a community area with a private dining room. Affiliations: Heritage Elm Grove, Heritage Court, Heritage at Deer Creek, Heritage West Allis, Lexington Heritage and Heritage Lincoln Village in Port Washington.

Fun

The Silvernail

2451 Silvernail Rd • Pewaukee

262.896.2100

www.wimmercommunities.com

BRING IN THIS AD

Two Months FREE RENT on Select Apartments Homes

Stop in for details

(Income guidelines may apply)

Picture Your Parents at Saint John’s!

Heritage Elm Grove

800 Wall Street • Elm Grove Contact Person: Becky Rintelmann 262-786-5800 • www.heritagesenior.com

A 40 unit Assisted Living residence for profit. Choose from 18 enhanced assisted living, 36 memory care units, studios and one and two bedroom apartments. Spouses may share one and two bedroom apartments. There is no enrollment/endowment fee with the monthly rent for Assisted Living $3,850-$5,200, Enhanced Assistant $4,550-$5,800 and Memory Care $4,400-$5,400 along with three meals per day included. Recreation and programs provided include Music and Memory Program, Walking Club, Memory Training Centers of America, stretching, physical and cognitive exercises, arts and crafts, Cooking and Baking Club, outings, live entertainment and pet therapy. On staff there is a fulltime RN, 24 hour nurse on call and full time LPN. We provided a well-trained thoughtful staff that will meet the care and needs of our residents 24 hours a day. Peace of mind knowing that our residents can maintain their independence and individuality in a safe nurturing environment. The brand new Heritage Elm Grove offers a community pub, Movie Theater, whirlpool spa, on-site beauty HERITAGE ELM GROVE continued on page 8B

Discover What Makes Saint John’s Unique...

Residents enjoy the exceptional amenities throughout our campus, including: two restaurants, a pool and our unique LifeStreams Wellness Program - plus much more.

Call today. You owe it to yourself, and your parents, to learn about the differences.

1840 North Prospect Avenue www.SaintJohnsMilw.org 414-831-7300

8B • 50PLUS • BEST OF S.E. WI SENIOR HOUSING • SEPTEMBER 2015

salon, patios and courtyards, multi-sensory Snoezelen room, therapy room, and community room with private dining room. Affiliations: Heritage Court, Heritage at Deer Creek, Heritage West Allis, Lexington Heritage, Heritage Court Waukesha and Heritage Lincoln Village in Port Washington.

pub, beauty shop, fitness center, community room and library. Professional care giving staff is available 24 hours a day to assist you with anything from bathing to medication administration. Heritage Memory Care Neighborhood specializes in care for residents with Alzheimer’s or other related Dementias. Our two 20-suite communities offer residents an uncomplicated design with home-like private accommodations. 40 residents will reside in private suites with bath and walk-in showers. A beautiful secure interior courtyard will provide safe access to the outdoors. Our activity program is designed to stimulate and engage the residents remaining cognitive strengths. Affiliates: Heritage at Deer Creek, Lexington Heritage, Heritage Court, Heritage Court Waukesha, Heritage Elm Grove and Heritage Lincoln Village in Port Washington.

Heritage Lake Apartments

Highlands at Riverwalk

Best of S.E. Wisconsin

SENIOR HOUSING HERITAGE ELM GROVE continued from page 7B

5020 South 55th Street • Greenfield 414-282-0506

Independent Living at Heritage Lake Apartments. Heat, water, underground parking, all appliances included. Laundry on each floor. Close to shopping, churches and medical facilities. Park like setting, community room, patio and 2 heated pools. Activities include Bingo monthly. Living arrangements available include 2 BR- 2 Bath - 930 sq. ft to 1056 sq. ft. Monthly rent starting at $900.

Heritage West Allis

7901 W. National Avenue • West Allis Contact Person: Chris Kohn 414-302-9700

Heritage West Allis offers an elegant, Assisted Living and Memory Care community where daily assistance is provided with love and the utmost respect for personal integrity of our residents. Choose from studio, one and two bedroom apartments with no entrance or endowment fee. Within each apartment is a kitchenette, private bath with walk-in-shower, spacious closets and a reassuring personalized emergency call pendant. Amenities include: community

Apartments 55+ 10954 N. Cedarburg Rd. • Mequon Contact: Donna Laughlin 262-243-8888 • HighlandsCommunities.com

The Highlands at Riverwalk offers spacious one and two bedroom retirement apartments. Enjoy all the conveniences of suburban living with the convenience of nearby shopping and restaurants, parks and recreation and specialty shops. Our building is equipped with elevators, access controlled entries with intercoms and heated underground parking. Each apartment is equipped with gas forced heat, central air conditioning, fully equipped kitchens, oversized and walk-in closets, tub or walk-in showers, additional storage, washer/dryer connections or conveniently located community laundry rooms. Common areas include: Fireside Room and Community Room, Billiards Room, Multi-Purpose Room, Theater, Fitness Center, Library/Computer Center, Guest Suite and more!

Enjoy a variety of social activities, travel, trips and tours including: catered dinners, social hour, guest speakers and entertainers, area concerts, exercise and fitness classes, educational seminars, themed parties, movies, card games and more! Become part of the Highlands family and Live the Highlands Life Today!

Beautiful, low-maintenance ranch duplex or detached condominiums, featuring the quality and value Bielinski Homes is known for.

Elkhorn | Harvest Pointe Starting at $209,900 | 262.743.1340 Waterford | Woodfield Starting at $239,900 | 262.514.3955

COMING SOON TO WAUKESHA

Waukesha | River’s Crossing Starting at $269,900 | 262.650.9917 Oconomowoc | Bay Pointe Starting at $319,900 | 262.567.1478

All condominiums open by appointment. In addition, Bay Pointe is open 12pm to 5pm | Fri-Sat-Sun-Mon-Tues

Detached models available at Bay Pointe only. Prices subject to change without notice.

262.542.9494 | bielinski.com

SEPTEMBER 2015

• BEST OF S.E. WI SENIOR HOUSING • 50PLUS • 9B

Housing Authority of the City of Milwaukee

Best of S.E. Wisconsin

SENIOR HOUSING Highlands at Wildwood Lake

Apartments 55+ N77 W17700 Lake Park Drive • Menomonee Falls Contact: Kelly Duncan 262-251-9999 • HighlandsCommunities.com

The Highlands at Wildwood Lake offers spacious one and two bedroom apartments. Our beautiful quiet country setting overlooks a private lake surrounded by a 1/4-mile walking path, beautiful landscaping and abundant wildlife. Our building is equipped with elevators, access controlled entries with intercoms and heated underground parking. Each apartment is equipped with gas forced heat, central air conditioning, fully equipped kitchens, oversized and walk-in closets, tub or walk-in showers, additional storage, washer/dryer connections or conveniently located community laundry rooms. Common areas include: Fireside Room and Community Room, Theatre, Fitness Center, Hair Salon, Library/Computer Center, Guest Suite, Multi-purpose Activity Room and more! Enjoy a variety of social activities, travel, trips and tours including: catered dinners, social hour, guest speakers and entertainers, area concerts, exercise and fitness classes, educational seminars, themed parties, movies, card games and more! Become part of the Highlands family and Live the Highlands Life Today!

P.O. Box 324 • Milwaukee 414-286-5678

Offering one-bedroom units with service coordination available. We provide affordable units, conveniently located at 15 different locations in Milwaukee. They are located on or near bus lines and shopping. Some units are fully wheelchair accessible with roll-in showers; social service and recreational activities are also available. Professional on-site management, 24-hour security and emergency maintenance service. We offer 1-bedroom units in secure buildings with utilities and appliances included. Small pets are welcome. Monthly rent is 30 percent of income and some income restrictions may apply. No enrollment/ endowment fee. Medical services available include on-site nurse, service coordination, and emergency call alarm. Popular activities include movie nights, bingo, various clubs, special shopping trips and other recreation. Affiliated with S.E.T. Ministry, which provides case management services. Other partner agencies also provide other supportive services.

Jackson Crossings Retirement Community One of the Five Star Senior Living Communities N168 W22026 Main Street • Jackson Contact: Katie Cavazos, Executive Director 262-993-2838

Living on the lake is important to many Wisconsin residents. At JacksonCrossings, people enjoy the birds, gardens and fishing on a small “Northwood’s” Lake among friends and family. Our spacious one bedroom, two bedroom and Studio apartments include lakeside patios or balconies, utilities, cable TV, housekeeping, towel and linen service, concierge service and much more. We offer Lifestyle Programming in both of our Buildings- Lifestyle 360 is for our Independent and Assisted Living Residents which is an Innovative program JACKSON CROSSINGS continued on page 10B

55 and Better Living at Its Best

Reach out to our beautiful community and private residences enriched with fun social activities, new friendships, fitness and wellness programs, delicious dining, and so much more!

• Senior living in your own spacious

private residence starting at $749*/mo.

• Assisted living available from $2,544/mo.

SPECIAL

First Month FREE! on select residences with this ad through September 30, 2015.

PERSONAL TOURS DAILY Monday - Friday 8:00 a.m. – 4:00 p.m.

Saturday - Sunday 11:00 a.m. – 4:00 p.m.

Ask about our newly remodeled units!

*Indicates special rate, subject to change.

11077 W. Forest Home Ave., Hales Corners • (414) 425-1148 • WimmerCommunities.com

10B • 50PLUS • BEST OF S.E. WI SENIOR HOUSING • SEPTEMBER 2015

Menomonee Place Senior Living

Best of S.E. Wisconsin

SENIOR HOUSING JACKSON CROSSINGS continued from page 9B

based on the Five Dimensions of Wellness: Intellectual, Spiritual, Social, Emotional and Physical. In our Memory Care Neighborhood, we have a new program that is Trademarked especially for Five Star Senior Living Communities and won ALFA Best of the Best 2 years in a row called Bridge to Rediscovery.

The Purpose of this program is to “Bridge” our Residents’ past life experiences to present daily living and celebrate their life through “Rediscovering” who they are and their true being. If you should need rehabilitation or other help, you can receive the best care and never have to leave. Independent Apartments, Assisted Living and Memory Care are available. The best things about Retirement Living at Jackson Crossings are the excellent services and programming as well as our outstanding staff who make you the priority. No entry fee or endowment is required and pets are welcome.

Lexington Heritage 5020 S. 107th St. • Greenfield 414-302-9700

A 20-unit Assisted Living residence. When you enter the doors of Lexington Heritage you will find a small and comfortable facility with a very home-like atmosphere. Throughout the days many enjoy sitting in our sunroom viewing the beauty of our private patio. We have caring, dedicated caregivers on staff 24 hours a day to provide our residents with love, respect and dignity. We provide three home-cooked meals a day and have an array of activities for everyone to enjoy. Studio, large and small/bedrooms with private bathrooms. 2 bedroom/2 baths. All units have microwave and refrigerator. There is no enrollment/endowment fee. Activities: musical entertainment, trivia, crossword puzzles, church services, Pokeno, crafts and van for transportation. Affiliations: Heritage at Deer Creek Assisted Living and Memory Care, Heritage Court Memory Care, Heritage Eau Claire, Heritage West Allis, Heritage Court Waukesha, Heritage Elm Grove and Heritage Lincoln Village in Port Washington.

N84 W17147 Menomonee Avenue • Menomonee Falls Contact Person: Gayle Dulmes 262-255-4441 • Enlivant.com

Menomonee Place, our senior living community, assisted living community is a warm, lively environment where our residents get compassionate care and help with their daily routine. We develop individual care plans to meet the needs of each resident, and a full-time registered nurse is available 24 hours a day to provide clinical oversight and coordination of care. Residents in our pet-friendly community can keep up with hobbies or discover new ones; we offer a variety of activities, such as chair exercise, bingo, card and board games, prayer services, live entertainment, and baking classes. We also offer transportation for shopping, monthly lunch outings, and invigorating drives in the country. We have a variety of floor plans ranging from studio, 1-bedroom and 2-bedroom units.

Oak Creek Place

3829 So. Chicago Ave. • South Milwaukee Contact Person: Bonnie Lee 414-762-3838 • enlivant.com

Oak Creek Place has Assisted Living and Licensed CBRF. Being a Licensed Community Based Residential Facility we have an RN and LPN on staff. We offer long term care including assistance with meds, diabetic management, incontinence care, and all activities of daily living. We offer Respite Care, 24/7 admission coverage and are proud of our 5 star dining program. Living arrangements available include studio suites and 1 bedroom apartment units with shower/tub combinations or walk in showers. Monthly rent starting at $2,400/mo. with no enrollment/endowment fee. Medical services offer a full range of Assisted Living Services including Medication Management, Diabetic care and Incontinence care. Popular activities include happy hour, live entertainment, trips and picnic outings. Our supportive activity service includes a bus to take residents on outings, wheelchairs and beauty shop.

Parkwood Highlands

Apartments and Townhomes 55+ 13800 Park Central Boulevard • New Berlin Contact: Vickie Schmidt 262-821-5106 • HighlandsCommunities.com

Parkwood Highlands offers spacious one and two bedroom apartments as well as townhomes. Enjoy all the conveniences of suburban living with the convenience of nearby shopping and restaurants, parks and recreation and a unique collection of specialty shops. Our buildings are equipped with elevators,

Proudly serving seniors for the Past 90 years.

A FULL CONTINUUM OF CARE Under One Roof

90

Independent Living • Assisted Living • Rehab Skilled Nursing • Ventilator Care

th

Anniversary

3023 S. 84th St. West Allis - 53227

(414) 607-4100

7300 W. Dean Rd. Milwaukee - 53223

(414) 371-7300

VMPcares.com

SEPTEMBER 2015

• BEST OF S.E. WI SENIOR HOUSING • 50PLUS • 11B

Best of S.E. Wisconsin

SENIOR HOUSING access controlled entries with intercoms and heated underground parking or attached garage. Each apartment/townhome is equipped with gas forced heat, central air conditioning, fully equipped kitchens, oversized and walk-in closets, tub or walk-in showers, additional storage, washer/dryer connections and more! Common areas include: Fireside and Community Room, Fitness Center, Library, Sunroom and more! Enjoy a variety of social activities, travel, trips and tours including: catered dinners, social hour, guest speakers and entertainers, area concerts, exercise and fitness classes, Wii Bowling, Bocce Ball, Sheepshead, Bridge, educational seminars, themed parties, movies and more! Some apartments reserved for moderate income seniors. Become part of the Highlands family and Live the Highlands Life Today!

Porticos of Fox Point

Katz Premiere Properties 500 W. Bradley Road • Fox Point Contact Person: Troy Herden 414-351-0070 • katzprop.com-porticos/whiteoaks

At Porticos of Fox Point we take pride in our properties and offer nine different floor plans comprised of studio, 1-bedroom, 2-bedroom, and 3-bedroom plans. Monthly cost for studio $895 - $925, 1-bedroom $1025 – $1150, 2-bedroom $1295 - $1575, 3-bedroom $2,095 - $2,395. When you choose one of our properties not only will you be part of a safe, secure community but, you will also enjoy numerous amenities including; indoor heated parking, community library, exercise room, indoor pool, indoor whirlpool, three party rooms with kitchen, central air, walk-in closets, balcony or deck, dishwasher and in unit laundry. Enjoy resort-like living, located minutes from downtown in beautiful Fox Point.

ProHealth Care Regency Senior Communities – Brookfield 777 N. Brookfield Road • Brookfield Contact Person: Terry Sommers, Director of Community Services 262-780-0321 • RegencySeniorCommunities.com

ProHealth Care Regency Senior Communities is your affordable senior community in Brookfield, offering independent residences with no enrollment fee and nine different apartment floor plans ranging from one bedroom to two bedrooms with den on our South Campus. Our North Campus offers studio and one bedroom assisted living and attended care private residences and short-term guest residency. Our beautiful community is located on 23 acres, seven of which are a zoned conservancy providing a serene backdrop for our campus.

Residents take pleasure in our elegant common areas with fireplaces, beautiful private dining room, country store, bank, beauty and barber shop, library, fitness center, chapel, and more. Favorite activities include musical entertainment, pub night and happy hour, bingo, balance class, and theme parties. Our independent South Campus offer hook-ups for an in-unit washer and dryer and heated underground parking, while our North Campus offers more assistance in a safe, secure environment where independence is encouraged. Additional amenities include multi-level fitness programs, lifelong learning programs, scheduled shopping, social outings, and other recreational trips. Residents find comfort in knowing there is an RN, LPNs, and CNAs on duty. We are a nonprofit member of the ProHealth Care family, giving our residents access to the best medical professionals, clinics, and hospitals with free transportation to ProHealth Care medical appointments.

Faith is the Heart of Our Home Assisted living • Skilled nursing Short-term rehab • Memory care • Respite care SPONSORED BY THE SISTERS OF THE DIVINE SAVIOR

Compassionate Care Since 1876

414-463-7570 • www.stannessc.org

3800 N. 92nd Street • Milwaukee, WI 53222 • info@stannessc.org

12B • 50PLUS • BEST OF S.E. WI SENIOR HOUSING • SEPTEMBER 2015

Tour our engaging community today!

• Licensed Community Based Residential Facility/CBRF • Care services manager in house • RN on call 24/7

Senior Living

• Assistance with all cares • Utilities, housekeeping, laundry included • Small pets welcome

3829 South Chicago Ave. South Milwaukee, WI 53172 414-762-3838

W181 S8540 Lodge Boulevard • Muskego Judy Sorce, Director of Community Services 262-679-0888 • RegencySeniorCommunities.com

Burnham Village

Gonzaga Village Sunset Heights West Allis

Waukesha

Cifaldi Square

Oak West

Valentino Square

Cudahy

West Allis

SENIOR HOUSING ProHealth Care Regency Senior Communities – Muskego

enlivant.com

West Milwaukee

Best of S.E. Wisconsin

West Allis

ProHealth Care Regency Senior Communities is your charming hometown senior community in Muskego, offering senior and supportive living, assisted living, attended care residences, and short-term guest residency in one bedroom, one bedroom with den, and two bedroom-two bathroom floor plans with no enrollment fee. Our Regency-Muskego campus is located on 32 wooded acres featuring private senior living residences surrounded by a serene private lake.

Residents take pleasure in our lovely common areas, dining rooms, bank, beauty and barber shop, country store, chapel, library, and more. Our pet-friendly facility includes amenities like all appliances, in-unit washer and dryer, and included underground or garage parking. Additional services consist of over 400 types of activities including trips, socials, fitness classes, educational and recreational programming, free transportation to shopping, handicap-accessible units, and more. Other fun activities include happy hours, musical entertainment, and specialty meals. Rent starts at $803 for independent residences and $3,495 for assisted and attended apartments. Residents find comfort in knowing we have RNs and CNAs on staff 24 hours a day. We are a nonprofit member of the ProHealth Care family, giving our residents access to the best medical professionals, clinics, and hospitals with free transportation to ProHealth Care medical appointments.

ProHealth Care Regency Senior Communities – New Berlin 13750 West National Avenue • New Berlin Stacey Cheney, Director of Community Services 262-789-1699 • RegencySeniorCommunities.com

ProHealth Care Regency Senior Communities is a pleasant senior community in New Berlin offering senior and supportive living, catered care, assisted living, attended care residences, and short-term guest residency. Living arrangements include studio, one bedroom, one bedroom with den, and two bedroom floor plans with no enrollment or endowment fee. Our Regency-New Berlin campus is located on 31 acres, bordering ProHealth Care Park and just minutes from downtown Milwaukee.

Residents enjoy our grand dining hall, Internet café, sports pub, fitness gym, lovely common area, bank, beauty and barber shop, country store, chapel, library, and more. Popular activities include social and craft groups, pool and dart leagues, religious services, plus bus trips to shopping, theaters, and other local attractions. Other services include busy fitness activities, social opportunities, monitored security response, 24-hour health staff, and an on-site clinic. Rent starts at $1,395 and RNs and CNAs are available to handle emergencies 24 hours a day. RNs are on-site eight hours a day, seven days a week regularly.

ProHealth Care Regency is a nonprofit member of the ProHealth Care family, giving our residents greater access to the best medical professionals, clinics, and hospitals with free transportation.

SEPTEMBER 2015

• BEST OF S.E. WI SENIOR HOUSING • 50PLUS • 13B

Best of S.E. Wisconsin

SENIOR HOUSING Reilly-Joseph Co.

117 N. Jefferson Street Suite 202 • Milwaukee 414-271-4116 • lowincomerentalsmilwaukee.com

Reilly-Joseph Co. offers 1 bedroom apartments. Government subsidized for ages 62 plus. Rent is based on 30 percent of gross income.

CLE Haven Assisted Living Center Cudahy

Ridgedale Apartments 7740 W. Grange Ave • Greendale 414-421-9314

Ridgedale Apartments are located in a quiet park-like setting. Independent living close to city transportation and shopping. 24 hour caretakers on site, secured lobby, elevator, community room, daily social activities. Rent based on 30% of income.

Riverfront Condominiums at River’s Crossing Hwy H (River Road) & River Valley Road • Waukesha Contact Person: Jackie Johnson 262-650-9917 • www.bielinski.com/Condominiums/Riverfront.aspx

Offering backyard view and walkway access to the Fox River Parkway. With close proximity to shopping centers, restaurants and banks, there’s more to love than just your new Bielinski condominium. Our ranch duplex condominiums offer two bedrooms, two baths, sunroom and an attached 2-car garage.

Saint John’s On The Lake

1840 N. Prospect Ave, Milwaukee 414-272-2022 • www.saintjohnsmilw.org

Saint John’s was founded by Episcopal women in 1868. A capacity of 24 Assisted Living units, non profit. Private suites with private bathrooms, some with walk-in showers and private balconies. Spouses may share only when two suites are combined. Monthly rent is $5,370 - $7,000 with a meal plan that is mandatory and has flexible dining options. All campus amenities: two restaurants, warm water pool, fitness center, salon & spa, 200 events – concerts, lectures, movies and more each month. Well-stocked library. Lake and city views. Medical personnel consist of RN’s, LPN’s, CNA’s - 11 on staff. The advantages of assisted living will be to continue thriving our expert caring staff provides assistance with daily living activities like bathing, dressing, personal care and medication management especially with memory loss. Saint John’s On The Lake facility offers all campus amenities; dine in two restaurants, movies, lectures, concerts, gallery, and library. Vibrant city and lake views.

Shorehaven Tower Assisted Living

1305 W. Wisconsin Ave. • Oconomowoc Contact Person: Sue Pooler 262-567-8341 • spooler@Iho.org • www.shorehavenliving.org

Shorehaven Tower offers freedom of choice in a beautiful residential setting.

Part of the Shorehaven Campus, Shorehaven Tower consists of 75 apartments, including studio, one and two bedrooms with not enrollment fee. Just constructed, a new dedicated entrance, expanded activities space and third floor rooftop terrace for resident enjoyment. Monthly rates range from $2,286 to $4,530 and from 325 to 975 square feet. Two meals a day are included in the fee. Activities, trips, weekly housekeeping and linens change, wellness clinic and health monitoring, satellite TV/Wi-Fi, transportation arrangements, all utilities, free use SHOREHAVEN TOWER continued on page 14B

HERITAGE LAKE

THE REGENCY

HERITAGE LAKE

5020 South 55th Street • Greenfield • Call 414-282-0506 Beautiful serene country setting overlooking a private lake. Close to shopping, churches and medical facilities. Heated underground parking, blinds, and ceiling fan. Beautiful community room.

• Heat & Water Included • Air Conditioned • Intercom Access • Appliances • Community Room with Kitchen • On Bus Line • Laundry on each Floor

2 Bedroom, 2 Bath 930 Sq. Ft. starting at $900/month

THE REGENCY

200 Southtowne Dr. • South Milwaukee • Call 414-764-5335 Quiet spacious apartments, elevator, underground parking, community room, library and exercise room. Friendly atmosphere. Larger units available.

• Heat & Water Included • Air Conditioned • Fitness Center • Resident Library • Laundry on each Floor starting at • Quality Appliances • On Bus Line

2 Bedroom, 2 Bath 930 Sq. Ft. $900/month

14B • 50PLUS • BEST OF S.E. WI SENIOR HOUSING • SEPTEMBER 2015

Best of S.E. Wisconsin

SENIOR HOUSING SHOREHAVEN TOWER continued from page 13B

of washers and dryers, emergency response system, computer use and flu shot clinic on site. We have trained staff on duty 24/7 with two full-time nurses on staff. Spouses may share apartments. Assisted living provides friendship, menu choices, mental stimulation, access to services and freedom, and is pet friendly, all within a safe living environment. Shorehaven Tower residents enjoy their choice of services, menus, activities and amenities on a convenient, price-friendly a la carte basis. Also there is access to the public Café LaBelle for breakfast or lunch, and the Center for Life Enrichment for classes and events. Continuum of care, lake access, pontoon rides on beautiful Lac La Belle, banking and beauty and barbershop on site. Also, lab, podiatry, dental and eye services available on site. Shorehaven is the trusted, faith-based resource of choice for community seniors. Its mission is “Reflecting Christ’s love, we provide homes and resources for seniors.”

Silvernail Senior Apartments 2451 Silvernail Rd. • Waukesha/Pewaukee Contact Person: Lisa Lechner 262-896-2100 • WimmerCommunities.com

Independent Senior Living Community 55 & Better! Section 42, income limits may apply. Conveniently located within a mile of everything! Sunlit room, nice sized kitchens with all major appliances, safe bathrooms and great closet space. Rent includes underground parking, laundry, storage locker, activities.

Friendly and fun community encouraging friendships and an active lifestyle.

Pet Friendly, Smoke-free. Tours M-F, 8 a.m. – 4 p.m., Sat/Sun., -By Appointment Only. Living arrangements available include 1BD/1 Bath, 2BD/1 Bath, nice closet space, spacious rooms. Monthly rent for 1BD/$742, 2BD/$899, rent includes underground parking and free laundry. Medical services include free blood pressure checks, Podiatrist and Audiologist services. Popular activities include Bingo, socials, Wii Bowling, seasonal parties and Bookmobile. Supportive activity services include weekly transportation to grocery stores, on site banking services, country store, salon, chapel and fitness room.

St. Anne’s Salvatorian Campus 3800 N. 92nd St., Milwaukee Contact Person: Jill Hogan 414-463-7570 x401

St. Anne’s Salvatorian Campus is affiliated with the Sisters of the Divine Savior and is a non-profit facility. St. Anne’s capacity includes 43-assisted living and 51 enhanced assisted living apartments. Assisted living apartments are studios, one bedroom and two bedrooms; enhanced assisted living apartments are spacious studios; and all apartments include private bathrooms and kitchenettes.

Spouses may share apartments. There is a non-refundable enrollment/endowment fee for assisted living, and the fees for enhanced assisted living are refundable in six months. Monthly rent starts at $3,840 - $5,990 for assisted living; $4,500 - $5,500 for enhanced assisted living; and all include a meal plan. Our recreation/programs include exercise and yoga classes, scripture studies, bus outings, social clubs, art and music, book club, table games, cooking and baking, and pet visitors. Medical personnel on staff include an RN director, LPNs and CNAs. Residents have the comfort of their own private apartment and support and services they need, while continuing to be as independent and active as possible. St. Anne’s also offers short–term rehab, memory care, a beautiful park with walking paths and pond, worship services and much more.

Tudor Oaks

...An

Amazing Retirement Option!!!

Come see for yourself!

Call for a tour

414-525-6500

S77 W12929 McShane Drive, Muskego, WI 53150 www.TudorOaks.net

Tudor Oaks Retirement Community is owned and operated by American Baptist Homes of the Midwest, a not-for-profit provider of senior housing and healthcare since 1930.

SEPTEMBER 2015

• BEST OF S.E. WI SENIOR HOUSING • 50PLUS • 15B

Best of S.E. Wisconsin

APARTMENTS

SENIOR HOUSING Steeple View Christian Senior Independent Living 12455 W. Janesville Rd. • New Berlin 414-525-5500 • www.steepleview.org

Be as active as you choose in your new lifestyle at Steeple View! We have 80 spacious apartment homes with 4 different floor plans, each with a patio or balcony. Steeple View has so many amenities; it’s easy to understand why people love it here. Our apartment homes have appliances including, microwave, dishwasher and in unit washer/dryer, individual heating and central air conditioning controls, 9 foot vaulted ceiling, cable TV and internet ready. Our community is a secure building and has a chapel, beauty/barber shop, craft room, woodshop, fitness room, library, on-site banking, community gardens, guest suite, kitchen/ community room, elevator access, heated underground parking plus a car wash bay. Living arrangements available include one bedroom to two bedrooms plus a den. Monthly fees start from $598 - $850. We do have an entrance fee which is 90 percent refundable. Sorry, no pets with the exception of service animals. The Steeple View Weekly Newsletter will keep you up-to-date on the many activities and events. Popular activities include dart-ball, patio parties, bible study, birthday celebrations and game nights. We have weekly on-site banking, and hair salon. Call today for your private tour.

Affordable Rent Based on Income Great Floor Plans Attractive 1 Bedroom Heat Included Picturesque Setting

Rents start at $6 99

Sunset Heights

Appliances/Microwave Elevator & Laundry Facilities Private Walking Path to Walmart Convenient to Shopping

1 & 2 Bedroom Floor Plans — No Income Limits!

• All Utilities Included • Underground Parking • Secured Lobby • Laundry on Each Floor • Elevator • Social Activities • Community Room • On-Site Management • Beauty Salon

414 -78 8- 0242

8935 S. Wood Creek Drive, Oak Creek • 3blks. West of Howell Ave. off Puetz Road

1926 Madera St. • Waukesha Contact: Ken Becker 262-240-9406 Ext. 4

Sunset Heights Apartments offer independent living with supportive services. Subsidized rental housing based on income. Tenants pay 30% of income for rent. Gas heat and hot water included. On-site resident management. One bedroom one bath apartments include secured entry, parking, bus line access, laundry facilities, cable TV, handicap accessibility and convenient access to interstate and shopping.

The Regency Apartments

200 Southtowne Drive • South Milwaukee 414-764-5335

The Regency Apartments offers Independent Living. Heat, water, underground parking and all appliances included. Laundry rooms on each floor.

Close to shopping, churches, and medical facilities. We have a library and fitness room. Located on a park-like setting with a community room, patio and 2 heated pools. Monthly bingo is one of the most popular activities. Living arrangements include 2 BR/2 Bath, 930 sq. ft. to 1056 sq. ft. Monthly rent starting at $900.

Thompson Meadows

3120 E. Norwich Ave. • St. Francis Contact Person: Sheila 414-769-9240 • thompsonmeadows@aol.com

Thompson Meadows is in a quiet-residential setting. Types of living: 1 BR & 2 BR. We offer off-street parking, on bus line, shared laundry facilities, air conditioning, pets (some limitations apply), secured entrance, cable TV hook up, close to shopping, handicap accessible and convenient access to interstate.

Other amenities: Library, community room and game room. Elevator, 24-hour maintenance emergency pull cords in the bedroom and bathroom.

ARE YOU?

• 62+ • Make less than $25,350 a year?

• Enjoy Bingo, Movies, Parties?

• Want to spend your day playing cards or going on day trips?

PLUS, ON SITE HAIR SALON & GARDEN PLOT FOR THE “GREEN THUMB”

If these sound like things you enjoy then your new home is waiting...

Call today for more information: GREENBROOK APTS 414.282.5044 4955 S. Greenbrook Terrace Greenfield, WI 53220

16B • 50PLUS • BEST OF S.E. WI SENIOR HOUSING • SEPTEMBER 2015

Best of S.E. Wisconsin

SENIOR HOUSING Tudor Oaks Senior Living Community S77 W12929 McShane Drive • Muskego Contact Person: Judy Radish 414-525-6500 • www.TudorOaks.net

Tudor Oaks Senior Living Community’s redeveloped campus provides wonderful amenities and convenient services to continue the high standards of our 35-year history. The community encompasses all the avenues maturing adults may travel: Independent Living, Supportive Care, Assisted Living, Memory Care, 24-Hour Skilled Nursing plus short term Rehab Care all on our 110 acre campus. Residents select from 16 different styles of apartments with one-bedroom, one-bath or two-bedroom, two-bath options. All apartments include: granite counters, ceramic tile walk-in showers, balconies/patios and attached heated garages. Full service skilled nursing is available 24/7 in the Frances Henry Center at Tudor Oaks. Our most popular activities include: Bocce ball tournaments in the Glenn Cove Senior Sports Complex which also offers: horse shoes, croquet, shuffle board and two golfing areas. Plus aquatic classes, educational presentations and grill outs on the new patio with a lovely fire feature. We also offer busses with scheduled routes for shopping and church on Sunday. Plus a private car and driver is also available. Housekeeping is included two times a month. Tudor Oaks is not associated with a health care service so residents are free to select their own doctor and hospital of choice.

Villa’s At The Station

8935 S. Woodcreek Dr. • Oak Creek 414-788-0242

Villa’s at the Station is an Independent senior community 55 plus. Heat and electric included, secured lobby, elevator, community room w/weekly activities, beauty salon, underground parking, laundry facilities on each floor and on site management. No income limits. We have 1 and 2 bedrooms w/1 bath, cathedral ceilings on third floor units, patios and balconies available. Rents start at $699 with no enrollment/endowment fee. Popular activities include bingo, movie night, coffee clatch, cards and cookouts.

VMP Manor Park

3023 S. 84th Street, West Allis 414-607-4100 • vmpcares.com

VMP Trinity

7300 W. Dean Road, Milwaukee 414-371-7300 • vmpcares.com

You will love our park like setting and smoke free facility. Conveniently located within short walking distance of Walgreens and Sendik’s shopping center. We are pleased to announce a new resident business center with internet access and a printer. We encourage resident involvement and aim to create a community catered to the rights and comfort of those who call it home.

With nearly 90 years of experience, VMP provides a full continuum of care including independent living apartments, assisted care, skilled nursing care, rehabilitation services, physician clinics, hospice and ventilator care. VMP’s full continuum of care provides peace of mind for residents and their families. Independent living apartments are monthly rentals, and endowments are no longer required.

VMP’s short-term rehabilitation services allow patients to return home safely and remain independent after a surgery or a fall when they need to regain strength and stamina. Therapy services are specific to patients’ needs and are available in private and semi-private rooms. Transportation is available for those who need it.

VMP’s Senior Community Club is open to residents and community, offering many in-house events and classes, as well as off-campus trips. You never need to leave the building to see friends and socialize. Popular outings include

SEPTEMBER 2015

• BEST OF S.E. WI SENIOR HOUSING • 50PLUS • 17B

Best of S.E. Wisconsin

SENIOR HOUSING Brewer tailgates, card games and theater outings.

Independent Living: Ten free meals a month provided in our beautiful dining room. On-site medical clinic, wellness nurses and podiatrist. Heat, A/C, electricity and water included plus basic cable. Transportation and underground parking available. Beauty shop, bank, convenience store, chapel, computer/business center, library and social gathering places. 24 hour emergency call system and daily check-in system. Laundry and housekeeping services are available for a fee. On-site Senior Community Club with access to trips, outings and on-site activities.

Manor Park: Studio, 1 & 2 bedroom apartments with 1 & 2 baths starting at $775 per month. Rent varies by size of unit. Fitness room and program.

Trinity: Studio, 1 & 2 bedroom apartments starting at $585 per month in a secure, park-like setting. Rent varies by size of unit. Onsite RN Clinical Coordinator, nursing staff 24/7, as well as social worker with case management background.

Manor Park: Assisted Living (CBRF): Singles, apartments with kitchenettes.

Three meals per day, whirlpool bath, exercise, music and recreation therapy, memory activities. 24/7 nursing care and medication administration.

Trinity Assisted Living (RCAC): Studio, 1 & 2 bedroom apartments with 1 & 1 ½ baths, co-mingled in independent living complex, so residents can transition from independent living without moving. Three meals per day, weekly housekeeping, laundry service, activities, medication administration and social activities. Onsite RN Clinical Coordinator, nursing staff 24/7. Private therapy suites for rehabilitation.

White Oaks Premier Apartments 9000 N. White Oak Lane • Bayside Contact Person: Gary Schutrin 414-352-9262 • www.katzprop.com

There are apartments and then there is a White Oaks Apartment Home! Located just 10 minutes north of Downtown Milwaukee in the pristine Fox Point – Bayside Area; we are the North Shore’s premier address! Our open, spacious and bright apartments feature great kitchens, ample living room/dining rooms, lots of closet space and a comfortable outdoor patio deck. And wait, there’s more because your indoor swimming pool has a sauna, hot tub and exercise room too.

Monthly rent ranges from $1,075 and up and includes heat.

Wildwood Highlands

Apartments and Townhomes 55+ N78 W17445 Wildwood Drive • Menomonee Falls Contact: Joyce Block 262-251-9000 • HighlandsCommunities.com

Wildwood Highlands offers spacious one and two bedroom apartments as well as townhomes. Our 28 acre community is surrounded by a natural wildlife preserve with walking paths that meander through a wooded forest. Our buildings are equipped with elevators, access controlled entries with intercoms and heated underground parking or attached garage. Each apartment/townhome is equipped with gas forced heat, central air conditioning, fully equipped kitchens, oversized and walk-in closets, tub or walk-in showers, additional storage, washer/dryer connections and more! Common areas include: Fireside Room and Community Room, Fitness Center, Hair Salon, Gardening Area, Library, Outdoor Car Wash, Shuffleboards and more! Enjoy a variety of social activities, WILDWOOD HIGHLANDS continued on page 18B

Let J&J Contractors help you with: Roofing • Gutters • Siding • Windows

Interior & Exterior Home Improvements

5213 W. Loomis Road | Greendale, WI 53129 | www.jjcontractorsllc.com | 414.423.9200

The nation’s 84th largest not-for-profit continuum of care provider. . Short-term rehab following surgery, injury or illness . Home medical equipment . Independent and assisted living homes and apartments . The nation’s first to provide specialized memory care . Home health, hospice and care management Hundreds of activities and events, some open to the public. Visit cedarcommunity.org to learn more!

5595 County Road Z West Bend, WI 53095 262.306.2100 cedarcommunity.org

EQUAL HOUSING OPPORTUNITY

18B • 50PLUS • BEST OF S.E. WI SENIOR HOUSING • SEPTEMBER 2015

Best of S.E. Wisconsin

SENIOR HOUSING WILDWOOD HIGHLANDS continued from page 17B

travel, trips and tours including: catered dinners, social hour, guest speakers and entertainers, area concerts, exercise and fitness classes, educational seminars, themed parties, movies, card games and more! Become part of the Highlands family and Live the Highlands Life Today!

Woodfield Condominiums

Buena Park Road & Woodfield Drive • Waterford Contact Person: Michelle LaPorte 262-514-3955 • www.bielinski.com/Condominiums/Woodfield.aspx

Ranch duplex condominiums with beautiful wooded views, and Rivermoor Country Club golf course just across the street. Woodfield homeowners can enjoy a relaxing lifestyle as well as the shops and restaurants of downtown Waterford. Ranch duplex condominiums offer two bedrooms, two baths, sunroom and an attached 2-car garage.

EDITORIALS MONEY SENSE

STATE CAPITOL COMMENT

By Karen Ellenbecker & Julie Ellenbecker -Lipsky

By Matt Pommer

“I truly care about you, I want the best for you”…I, I! Please forgive me if I sound like I am being redundant, repetitive and putting too much attention towards one particular subject. However, my articles focus on now. They are written in real time. What I write is a reflection of the feedback I receive each and every day from people just like you. I write about folks living in our 4-county area who are faced with the same challenges you are experiencing. The subject of this article is the interaction between children and their senior parents in regards to the older adults moving away from their cherished long-time home. This article is for not just you, the child, but also for the older adult who loves your home and just doesn’t want to move away from this bastion of comfort.

We all want the best for our parents and you, the parent want the best for your children. Sometimes these two intentions can intersect and become somewhat toxic when unintended results follow our good intentions.

So this morning, I interviewed one of my clients who lost his wife about a year ago and is living alone with some physical issues. He is also going through a transformation from living with his loving wife of over 50 years to a life alone, in somewhat of a fog.

His daily routine has drastically altered from a caretaker for his wife to a

MOVING IN THE RIGHT DIRECTION

By Bruce Nemovitz

somewhat lonely challenged caretaker of himself and his home. He has ups and downs like all of us, but his greatest worries involve his ability to live alone with the fear of falling or losing his balance, the challenge of running out of money, to the maintenance AGING a ISSUES home requires. He also feels extremely By Tom Frazier isolated and lonely on some days with other moments of joy. In other words, he is conflicted and constantly challenged by life’s demands.

Enter the children. They want the best for him but their good intentions may have some underlying needs which conflict with thePLANTING recipient of TOMORROW’S their good wishes andDREAMS offer ofTODAY help. I asked him to describe toByme what they Brad Olson would say and how he received their messages. “My children want me to move to safer surroundings, but I am not ready to move. I want them to leave me alone! I am not stupid. They talk at me, not to me. They are trying to reverse the roles so that I am the child and they are the parent! SPORTS My kids are

By Jack Pearson

just looking out for themselves so they don’t have to worry about me and can go on with their busy lives. They want to warehouse me and I won’t let that Financial Fi i lW Wellness ll happen!”

“Planting Tomorrow’s Dreams Today” Sound familiar? I asked how the

By Brad Olson, CFP messages were delivered and one common theme was the way in which these offers of help were stated. Most statements made by his children were in the form beginning with the personal APRON Emma pronoun “I”. I want you to be happy STRINGS dad. I want you to be safe.

I don’t think

By Aunt Emma you can take care of your home the way you used to. I am worried about the neighborhood and your safety…on and on.

Therefore, when two loving family members interact words become much stronger and with more importance than communication from outside the family. For the children of the senior, please put yourself in their place. Do a thought experiment and have your children talking to you about moving from the home you love. How would you react? Imagine your son or daughter trying to take over your decision making for you and how you would react. I’m sure you’ll get the picture and that is what this article is about.

Reverse the roles and see if you would be accepting or would become more entrenched in your feelings. The way we communicate is key to a successful

transition from one’s long-time home to a senior apartment or community.

If you are the senior in that longtime home, try to understand that your children care for you and truly want the best for you going forward. It is impossible for your kids to know what you are feeling. It would be a good idea to express those feelings up front so that your children understand the difficulties of a move of this magnitude. Don’t suppress these feelings and keep them silent because as the talk escalates, families can break up and the scars can be deep. You, the child helping mom or dad, should be honest with your feelings with not only your parent but with your siblings. It is critical that all family members involved with this transition express their feelings and emotions throughout the process of contemplation to the actual move. In the end, all we are trying to do is the right thing but the way our messages of love are communicated can lead to a loving move versus a combative transition. Think before speaking and in some cases it would be worth talking to advisors who deal with family issues before delving into the choppy waters of downsizing and selling a home that has been in the family for many years.

Know there are so many services to

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NEMOVITZ continued on PAGE 19B

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SEPTEMBER 2015

NEMOVITZ continued from PAGE 18B

help with the mental and physical aspects of a move. Consult with professionals as early as possible and gather as much information as you can before stating your feelings to mom or dad, with the same advice for you, the parent talking with your children. In the end, all parties want what is best for those they love and that is happiness, comfort and safety. Best of luck to all of you that are about to begin or are in the process of a move from one’s long time home. Know that you are doing the best you can at the time you are in this process and that love is the greatest motivator. I wish you and your fami-

lies the best and hope that your lives are enriched by helping one another at a time that can put great stress on all involved. The goal is to keep your family intact throughout and after the move.

Bruce Nemovitz is a Senior Real Estate Specialist, as well as Certified Senior Advisor. Bruce has sold residential homes in the four county Milwaukee-Metro areas for 35 years. He has published a book called “Moving in the Right Direction”, A Senior’s Guide to Moving and Downsizing.

Bruce has just written his second book for the children of seniors, “Guiding Our Parents in the Right Direction”, Practical Advice about Seniors Mov-

• BEST OF S.E. WI SENIOR HOUSING • 50PLUS • 19B

ing from the Home They Love. This book is now available at www.GuidingOurParents.com. Past articles about moving and downsizing and other important information can be found at www.BrucesTeam.com. Bruce received the 2010 “Realtor of the Year” from the 3,800 membership of the GMAR (Greater Milwaukee Association of Realtors). He received the runner up Better Business Bureau Ethical Business of the year in 2015. Bruce is a featured speaker at several senior communities in the Milwaukee-Metro area. His discussions center on the challenge of moving from a long time home into a senior apartment or com-

munity. He has been listed in Milwaukee Magazine’s 5-Star Agents list for the last three years in a row. As such, he’s one of only a handful of Realtors who are continually included in the top 7% in client satisfaction in the Milwaukee Metro area. He’s rated A+ by the Better Business Bureau, and was a finalist for Concordia College’s Ethical Business Leadership Award. He works with his wife Jeanne at Realty Executives Integrity.

Wilson Park Senior Center | 2601 W. Howard Ave., Milwaukee October 22, 2015 | 9 a.m. to 1 p.m.

Call Saran Piehl for exhibitor info at 262.367.5303 ext.12 or email: saran@50plusnewsmag.com

Now is the time...

If you’re serious about selling your home, do not delay!

With winter on the way, fall is the last chance to sell before next year’s spring market.

T R U S T. E X P E R I E N C E . I N T E G R I T Y Bruce & Jeanne Nemovitz have been helping seniors transition from their homes for over 35 years. Selling your home doesn’t have to be a burden. WE CAN HELP!

CONTACT US TODAY FOR A FREE CONSULTATION: (262) 242-6177 www.BrucesTeam.com | Jeanne@BrucesTeam.com | Bruce@BrucesTeam.com

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Running, Frank Giaimo, and a Coniglio Piccolo

By Jack Pearson The old man rested on the couch of his living room, relaxing, watching a rerun of an Olympic games contest, specifically, a 100 meter-run. He had always loved sports, and especially anything having to do with running. As he lie there, a commercial interrupted the action. It was long and boring, as commercials sometimes are, and he dozed off, as old men sometimes do.

As he slept, he began to dream. It was about himself, the way he was, incredibly almost a century ago. In the dream he was young, about six, and was going to run in a race with other boys of his age. All were taller and huskier, than he was. Bang, the starter’s gun went off, and the runners shot forward.

The young boy’s friends were on the sidelines, shouting to him in encouragement: “Run, faster, faster, coniglio piccolo, go, go, go! His friends had used Italian words in their excitement, as they were all of Italian descent. He heard their calls, and it inspired him, and then to everyone’s surprise, since he was so small, he flew past the bigger boys and won the race. The other runners, understandably miffed at having been beaten by someone so much smaller, glared at him. Their glares, however, didn’t have the effect intended; they caused the young boy to grin and then to laugh. The sounds of the laughter broke up the dream, and the old man woke up.

The dream took place in the psyche of an 87-year-old gentleman who now lives in Brown Deer. He lives alone, and has ever since his wife, Toni, died a few years ago. He’s about 5’7”, is mostly bald and sports a debonair mustache and goatee, both white, and he is still a handsome man. His name is Frank Giaimo. His home is a couple of blocks north of Tripoli Country Club.

Before going on, time out. The words that the boys cried out in the dream should be explained. “coniglio piccolo” means “little rabbit” in Italian, keeping in mind that in Italian the noun always precedes the adjective.

Something else. Calling someone a little rabbit in that particular instance was by no means derogatory. If anything it was a term of affection, somewhat like baseball fans calling Ted Williams a “Splendid Splinter.” Rabbits are little,

and also fuzzy and cute, but they are fast little buggers. Try to catch one and you’ll see. If the Brewers could use rabbits as pinch runners stealing bases, they’d never be thrown out. Of course, they’re not the greatest hitters in the world... but I digress.

The story of Frank Giaimo was imparted to me by a pretty good source. I was visiting recently with Pancho Palesse, the iconic long time player and coach, who knows more about athletics in the Milwaukee area than anyone I’ve ever known. I asked him if he had any suggestions for stories about area athletes over the age of 50. He replied, “Why don’t you write about Frank Giaimo? For someone who is not all that big or muscular, he has been a tremendous athlete all his life. He started winning foot races on the playgrounds when he was just a kid, and he’s been a winner every place else ever since, and get this, he’s been doing it for more than 80 years.”

Palesse continued, “How many races has he won? The playground races, the church league races, the school races, the Industrial League races, then the Senior Olympic events. Gosh, who knows? A hundred racing wins?

A thousand? Ten thousand? Nobody really can say, but I’d guess it’s more than anyone ever compiled in this state. He’s one in a million, believe me.

When he was playing on our softball team, all he had to do was make contact with a pitched ball, and it didn’t matter where it went. He’d beat out the throws from any fielder to first base. It would drive everyone nuts. Everyone on the other team, naturally. You go talk to him. You’ll like him.”

I did, and I do. First, of course, I called. Frank’s phone must have rung a half dozen times or more before he finally picked up. “Sorry about that,” he said. “I’m a little hard of hearing.”

Terrific, I mused, I have someone in common with myself. Nevertheless, despite those difficulties, we managed to have a good conversation. After a while he said, “You know, you may not want to do a story about me. I’ve given up competitive running.” No matter, I thought. Most top flight speed runners make the decision to retire when they’re still in their 20s or 30s, not when they were approaching their

Frank Giaimo today, with three of the Gold Medals he won at one of the National Senior Olympic events.

88th birthday.

Frank’s parents, Gaetano and Antonina Giaimo, immigrated to this country from the Messina region of Sicily, in southern Italy, about a century ago. It was about the time the Great Depression was about to whap the world. When they came to Milwaukee, they moved into a small home in the Third Ward. Back then, because of the preponderance of people of Italian descent in that area, it was often called “Little Italy.” Frank was born there in 1928. It was very difficult to live, then, to even find adequate food. Not that there wasn’t enough food in this

country in the late ‘20s and early ‘30s, but most people, like the Giaimos, just didn’t have the money to buy it. It was hard enough to get a job in the Depression era, and a great deal harder if you only spoke a few words of English. In any event, Frank recalled to me how his parents grew nearly all of the vegetables for the family’s meals in their little back yard, and fished almost every day. “We didn’t live far from Lake Michigan,” he said, “and all we had to do was hop over the railroad tracks and there it was. For supper, we’d have spaghetti, tomatoes, squash and fish, and then the next night the same, and

SEPTEMBER 2015

almost every night. You would think we’d have grown tired of the same thing all the time, but in those Depression years, it was far better than what a lot of other people had.”

It wasn’t only at the local playgrounds that young Frankie Giaimo exhibited his running skills. All during his grade school years, before class, during recesses and after, he was always running, and seldom lost a race.

Later on at Lincoln High School he lettered in the broad jump (it’s now called the long jump) and the discus. But it was always his speed that made him so outstanding, and especially so since he was always one of the smallest competing. As noted, as a teenager he was about 5’7” tall; he still is. He weighed around 120 then; he’s about ten pounds above that now. “So how did you get all that great speed?” I asked. “Did you have a good coach?” He looked at me and chuckled. “No, being able to run fast isn’t really teachable. You either have it or you don’t. It’s a gift from God. A coach can teach a youngster in football how to kick field goals and extra points, in baseball a coach can teach a young player how to throw a curve ball, but a coach can’t teach how to run fast.”

It was after he’d passed the age of 50 that he began to enter Senior Olym-

the latter in 1993 that he met Pancho Palesse. Frank’s eyes light up when he talks about that team. “Running is fine, but you’re always alone. Team play offers camaraderie and more,” he said.

“I remember the team,” he added, “but I especially remember Pancho.

What a career he has had; my own is nothing in comparison. And he’s always helping others, such a good man.” Perhaps for being on the same team with Pancho, or maybe for another reason, Frank is has a greater pride of the Gold Medal he won for being a member of that team than any other he’s ever won. “We were the first softball team from Wisconsin ever to win a Gold in the National Senior Olympics,” he said.

I asked Frank about his multitude of other National and Wisconsin Senior Olympic medals and ribbons, and how many he had. It has to be over a hundred. Maybe more than 200. “I don’t honestly know,” he said. “They’re all in boxes down in the basement. I suppose you could go down and count them if you wanted to.” I persisted.

“But why did you put so much energy into winning all of them, if you don’t care about them,” I asked. “It’s not that I don’t care for them, I do, and I appreciated getting every one of them. But I never ran for money, I didn’t make a

Two of the hundreds of religious crosses Frank has made for his friends and for his church’s fund drives. pic competition. Starting with the ’78 games, he always entered both the 100 and 200 yard dashes, the long jump and the discus throw. Occasionally, he also competed in the hurdles, in rope jumping, basketball and softball. It was in

cent, ever, and I didn’t run for medals or for prizes. I ran because I loved to, and because of the competition and the repartee among the athletes, the wind in my face as I ran, and then crossing the finish line ahead of everyone else.

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Here’s the picture of Frank Giaimo that appeared in Life Magazine. The caption then remarked about the intense look on his face as he was at the starting block for a 100-yard dash event in the National Senior Olympic championships.

All of those things, not for a piece of metal or cloth.”

As Pancho noted when he recommended Frank as a good story subject for 50 Plus, the total number of races Frank has won, although unbelievably extensive, can’t be accurately measured. But some kind of verification should be made, so I suppose I can take on the task.

In his early years, beginning at about the age of six then on through elementary and secondary schools, Frank was running races every day of the week, sometimes being in as many as ten in a single day. But we’ll be conservative here and put his average at about 20 a week. That’s 80 a month. The running season in this old frigid state of ours is only about six months long, so multiply six times the 80 a month and you’ll get 480 a year.

Then multiply 480 times the amount of years, 15, between six and 21, when a youngster becomes an adult, and you’ll get a total for Frank’s pre-adult years as 7,200.

The years 21 to 50, when Frank became eligible for running in senior events, especially the Olympics, constitute 29 more years. In those years, Frank and his buddies were busy with other things, such as getting a job and raising a family. So our estimate will only be about a dozen a month for eight months, 96, times for 29 years, or a total of 2,784.

Then from age 50 on, with participation in both Wisconsin and Nation-

al Senior Olympics as well as church, company and municipal race events, and with children grown, the average moves way up. Frank was running almost as much as he did as a youth.

We’ll estimate his total in that segment at about 6,000. Add the three segment totals and you’ll come up with almost 16,000 races Frank has competed in his life. Not all official, many just pickup races as a child, but still races. “No way,” you exclaim, “16,000? Impossible.” Well, maybe. I can’t verify any of the above. But then doesn’t it also seem impossible that a man in his 80s would still be running speed races in the Olympics, and winning them?

After graduation from high school, Frank went to work for the Milwaukee Recreation Department. Part of his many duties was being in charge of the department’s table tennis program.

“One day I was sitting in my office and a young lady walked in, asking about the program and saying that she’d like to learn how to play the game,” he recalled. “Well, let me tell you she was a looker, gorgeous. I’d actually seen her before; she was in a dance class just down the hall. So naturally, I offered to teach her all I knew about table tennis, which was practically nothing, but I didn’t tell her that. One thing led to another, we started dating, and then we married. This, of course, made my mother and father very happy. In those days, Italian parents wanted their sons to marry Italian girls, Catholic Italian

GIAIMO continued on PAGE 22B

22B • 50PLUS • BEST OF S.E. WI SENIOR HOUSING • SEPTEMBER 2015 GIAIMO continued from PAGE 21B

girls. To marry a Swedish girl, or a French girl or a German girl or anyone except an Italian girl was an absolute no-no. Things have changed a lot since then, thank goodness.”

Frank’s daily routines haven’t changed that much over the years. Religion has always played a big part in his life. As a boy, he attended church almost every day, was an altar boy and a member of the church choir. That was at Our Lady of Pompeii Church in the Third Ward, which was torn down to make room for the expressway. He still goes to church regularly, and still sings in the church choir, except now it’s the Our Lady of Good Hope Church near his home. One of his church-related activities is a sort of hobby. He uses palm tree leaves to fashion beautiful little crosses. He then gives them to friends

and neighbors. He’s also given a large number of them to the church to sell or raffle off in their fund raising drives.

He still likes to fish, and still raises a variety of vegetables in his back yard garden.

Frank and Toni had three children, one girl and two boys. All of them, Frank points out quite proudly, became pretty good athletes. Christine was a fine runner until a knee injury shut her down. Michael was into many sports and now manages Buca’s, an Italian restaurant in Dousman. Dennis was an All American in wrestling at UW-Stevens Point two years in a row. And he is in the UW-Stevens Point Hall of Fame.

It took a while to sift through all the bits and pieces of my memory, but I finally recalled seeing him before. It was at a Wisconsin Senior Olympic

event back about 20 years ago when he won four Gold Medals in one meet, the 100 and 200 meter races, naturally, and also the long jump and the discus.

I think at the time that I had intended to write something about him, but then other things came up and I forgot about him until Pancho’s suggestion.

By the way, I noted earlier that Frank was not one for exhibiting all his awards and trophies. There’s one, though, that he does have hanging up: It’s his plaque for being inducted into the Wisconsin Senior Olympics Hall of Fame.

Before I left, I walked over to some pictures on a wall. There was one there of Frank and his wife Toni.

“Your wife was very beautiful,” I said to him, which made him smile. “I’ll bet her name, Toni, is short for Antoinette.” He looked at me and replied,

“Yes, that’s right. How did you know?”

“Well, it’s not because I’m so brilliant.

It’s because Antoinette was my mother’s name, and everyone, except my brother and myself, called her Toni.”

As we stood there, the thought crossed my mind that with her gone, and with his running days now concluded, that life must have lost much of its meaning for him. I said most of that to Frank.

“Thank you for your concern,” he said.

“I truly appreciate it. But I’m doing ok. I still love to fish; I love seeing the grandkids, and I still take long excursions on foot all over hill and dale. Except I don’t run while I’m doing it, I walk. And as for Frank’s wife,” and he then paused for a moment, “Toni isn’t gone, you know. She’s right here with me, every minute of the day.”

Wilson Park Senior Center | 2601 W. Howard Ave., Milwaukee October 22, 2015 | 9 a.m. to 1 p.m.

Call Saran Piehl for exhibitor info at 262.367.5303 ext.12 or email: saran@50plusnewsmag.com

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Hi, folks. Here we are in September. It seems that the last of August came by so quickly. Henry and I spent much of the summer debating about things to do to sort of upgrade our house and, at the same time to prepare it for our old age. Now, I admit to beAGING ing still in my late 60’s. But as hubby Henry says, “Time does ISSUES continue to

By Tom Frazier march on.� I was told by my grandmother that time flew by. Then, I came to realize those were mostly moths flying by from all the old quilts and such that Grandma kept around her house.

Now, I do know that I am Henry’s best friend and biggest fan, but I will not admit to wanting to PLANTING do our house TOMORROW’S over. One of Henry’s prime ideas is to DREAMS TODAY Brad Olson lower the windows so By a person (He’s surely looking ahead, but in sort of a dark way) in a wheel chair could look out at the goings-on in the street from the bathroom window and also from the bedroom. But these are just two windows. Henry also has been looking at new easy to operate (or so they SPORTS say) window up and down type mechJack Pearson anisms at the hardwareBystores for easier operation. Don’t ask me why Henry suddenly is so much into windows and looking out through them as our windows right now are rather dirty. We can hardly see out through them.

Henry refers to this problem as not one at all; just a bit of dust that God will wash off the next time it rains.

Sakes alive, I do hope that neither Henry or his darling wife (that’s me) ever are wheel chair bound, but, for some reason, Henry seems to believe that is to be some day on our horizon.

Anyhow, I heard him telling Fred at the club the other day (and they only

Emma

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were having their first or second at most spotted cows so there was no really great embellishment) that our nice oak front door, as well as the solid pine one at the back of the house, need peep holes. Henry told Fred that they’re quite easy to drill holes for. In fact, he said he plans to drill two peepholes in each door. I was amazed as he said one would be at wheel chair height.

Fred asked about his interest in wheel chairs and if he really believed one of us would need one soon? Henry, as I expected, said that he was just looking ahead. If he looked backward, he’d realize we people are healthy as horses and try to spend our lives lifting people up, not putting them down or even into wheel chairs.

Fred told Henry to think more positively, to not allow any weeds to grow within his dreams just as he would not allow them to grow in the yard.

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So what do you believe Henry will be doing when he gets home? That’s right. Measuring the hallways. Oh, how I hope our hallways qualify now as wheelchair accessible.

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