50 Plus News Magazine

MAY

7

Mark your calendars May 7, 2015 • 9 a.m. - 2 p.m.

Waukesha County Expo Center See pages 14A, 15-16B for more information

50 fest & 24th Annual

FREE

event

PLUS retirement show

FESTIVAL OF FLOWERS

May 2015 Vol 29 No. 5

COMPLIMENTARY

POMMER:

Many question some state budget ideas page 3A

NEMOVITZ:

How to gauge successful selling in your home page 5A

OLSON:

Down markets are tough for retirees page 6A

TRAVEL:

Tips to make your travel comfortable page 14B

EDITORI

Festival of Flowers Staff photo, Left to Right: Marty and Jane Loppnow, Owners of Waukesha Floral and Greenhouse, Hannah Loppnow, Faith In Action Program Supervisor at Interfaith Senior Programs, Kris Lombardi, Community Outreach Manager at Interfaith Senior Programs, Lindsey Krueger, Marketing Project Specialist at Mangold Creative and Co-Chair Festival of Flowers Committee, Shel DeLisle, Special Events Coordinator at Interfaith Senior Programs, Kathy Gale, Executive Director at Interfaith Senior Programs, Joanne Leifheit, Estate Attorney at Law Office of Attorney Joanne Leifheit and Festival of Flowers Sponsor, Sandi Ammerman, Associate Director at Interfaith Senior Programs, Pam Paulson, Business Manager at Cesarz, Charapata and Zinnecker Funeral Home, Co-Chair Festival of Flowers Committee, Cheryl Phelan, Marketing and Development Manager at Interfaith Senior Programs Marty Loppnow and his team at Waukesha Floral Supporting Waukesha County’s 50+ population and Greenhouse transform their greenhouse into an elthrough an afternoon of fun, friends and flowers. pring is such a wonderful time of year, espe- egant luncheon setting and tea house for 300 special cially after a long winter like the one we just guests. This year, after enjoying a meal from Rochhere in Wisconsin. Interfaith ester Deli, Marty presented beautiful ways to use the

By Karen experienced Ellenbecker Senior Programs and Waukesha Floral and Pantone color of the year – Marsala - in modern floral & Greenhouse Julie Ellenbecker team up each year to introduce spring and arrangements and centerpieces. Marty did a throwback -Lipsky to the 80’s in his presentation and décor, noting that in support older adults at the same time.

FESTIVAL continued on page 9A

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MONEY SENSE

2A • 50PLUS • MAY 2015

MDs review 2 common women’s vision concerns

by Cheryl L. Dejewski

In our last issue, the doctors at Eye Care Specialists, one of Wisconsin’s leading ophthalmology practices, offered insights into how cataracts and macular degeneration are a threat to women’s vision. This month, they look at two more common eye problems.

Dry Eyes Daniel Paskowitz, MD, PhD, an ophthalmologist with credentials from both Harvard and Johns Hopkins reports, “Dry scratchy, irritated eyes are a common problem, especially for women over age 40.

The most frequent cause is the natural decrease in tear production that occurs with aging.”

Dry eyes can also be related to rheumatoid arthritis, lupus, psoriasis, Parkinson’s disease, chemical burns, thyroid disease, eyelid problems, medications, and hormonal changes (as with pregnancy, menopause and hormone replacement therapy).

For most people, dry eye disease is uncomfortable but not vision-threatening. Sometimes, however, a faulty or diminished tear film can affect the cornea’s focusing ability and increase the risk of eye infections. “Dry eyes are usually a life-long condition that can’t be cured, but can be controlled. Don’t suffer in silence.

Talk to your gynecologist, doctor, or eye care specialist. If artificial tears don’t help, you may be a candidate for a five-minute office procedure that places tiny silicone plugs into the drain openings at the corner of the eye to eliminate tear loss and retain moisture or for a prescription eye drop called Restasis™ that attacks the underlying inflammation behind dry eye disease,” explains Paskowitz.

prior to application, insisting on the use of disposable applicators when trying makeup at a store or salon, never sleeping in makeup, never putting mascara on while driving, keeping makeup containers out of the sun and heat, carrying makeup in frequently replaced plastic zip lock bags, and discarding any product that causes an allergic reaction or infection.”

Cosmetics-Related Issues Michael Raciti, MD, an eye surgeon and partner at Eye Care Specialists ophthalmology practice, has helped countless patients overcome eye infections, abrasions and injuries. “It’s rewarding to help someone resharpen their focus. What’s frustrating, however, is if the problem didn’t have to happen in the first place. For example, I’ll see men with minor to serious eye injuries because they did not wear proper eye protection when doing sports, hobbies or handyman projects. But, for women, I’ll sometimes see vision-threatening issues caused by something you may not expect . . . cosmetics.

Many eye makeup-related dangers (like infections and abrasions) can be avoided by following simple common sense precautions.” In addition to a “no-sharing make-up and germs rule,” Raciti recommends following safe storage, use and replacement precautions for eye makeup. “This includes always washing your hands

T EYE

How to Protect Vision & Maintain Independence “Scheduling regular comprehensive dilated eye exams is the best way to protect your health, safety, and ability to drive, cook, read, shop, and see life to the fullest,” advises David Scheidt, OD, past president of the Milwaukee Optometric Society. “During your appointment, ask your eye care specialist to review the risks and benefits of any applicable prevention and/or treatment options, including eye-related nutritional supplements. You can also be proactive in protecting your vision by wearing sunglasses, avoiding smoking, and maintaining a healthy diet low in saturated fats and high in Omega 3s.

Dr. Daniel Ferguson encourages patients to be educated partners in their eye care by asking questions and reading the many free booklets and handouts his practice offers.

And, be sure to learn the risks and warning signs for common eye diseases.”

Free Info Call 414-321-7035 for a FREE booklet on AMD, glaucoma, diabetes or cataracts. If you don’t have an eye care specialist, you are invited to call the offices below to schedule a comprehensive exam, which is typically covered by insurance.

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www.eyecarespecialists.net

West Allis

10150 W. National Ave.

414-321-7520

Wauwatosa

2323 N. Mayfair Rd.

414-258-4550

Milwaukee

735 W. Wisconsin Ave.

414-298-0099

David Scheidt, OD

MAY 2015 • 50PLUS

Alternative budget? Is it necessary?

It is crunch time for the state budget and an alternative plan released in mid-April should add to the public debate on key issues.

The plan, developed by the Wisconsin Council on Children and Families, challenges key ideas in Gov. Scott Walker’s two-year spending proposal.

It came just as a new Marquette University public opinion poll showed Walker had only a 41 percent favorable rating.

The key elements of the alternative plan are accepting $345 million in federal money to expand Medicaid and halting the expansion of an agriculture and manufacturing tax-credit program passed as part of Walker’s first budget in 2011.

The tax-credit program will cost $285 million a year when it is fully implemented in 2017. That’s $156 million more than was projected in 2011. The alternative plan notes the credit plan already on the books will eliminate state taxation for many manufacturing firms and cut state taxes by 95 percent on others.

STATE CAPITOL COMMENT

By Matt Pommer

The numbers have been used before. Walker himself used them in a trade-mission speech in Germany. The credits will just about eliminate Wisconsin taxes on manufacturing operations, the governor said.

The council’s paper said the WalkMOVING IN THE er budget plan focuses on a shrinking RIGHT DIRECTION manufacturing economic sector. AnBy Bruce Nemovitz other downside of the manufacturing STATE CAPITOL COMMENT tax break is that it has no provision

By Matt tying the help to either jobPommer retention or job growth, the council noted. The document emphasizes the goal is not to eliminate the manufacturing credit, but to slow its growth.

AGING ISSUES

By Tom Frazier

MOVING IN THE RIGHT DIRECTION

Walker’s budget proposal calls for a $127 million reduction in state aid to public schools and a $300 million cut in state support for the University of Wisconsin System. Both ideas are very unpopular with Wisconsin citiMONEY zens, according to the new SENSE poll conBy Karen Ellenbecker ducted by the Marquette University & Julie Ellenbecker Law School. The council’s-Lipsky plan would eliminate both of those cuts and make other changes.

The local school aid reduction is opposed by 78 percent of those polled.

Poll director Charles Franklin said that is an “eye-catching level opinion.”

Financial Fi i lof Wellness W ll “Plantingabout Tomorrow’s It also raises questions the ReDreams Today” publican push to Byexpand support Brad Olson, CFP to private schools.

The governor blamed hisSENSE low ratMONEY ings on the media coverage of his budBy Karen Ellenbecker & Julie Ellenbecker get ideas, saying the press has not been -Lipsky APRON accentuating the positive.

Emma STRINGS That’s a familiar response from

By Aunt Emma politicians when things aren’t going well. But his popularity might be saved when new tax-revenue estimates are released. Revenue Secretary Financial i l expects Wellness W ll Richard Chandler Fi said he the

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estimates will be higher.

Accepting federal Medicaid money as part of Obamacare is not a new idea. Democrats have suggested it could dramatically ease the state’s budget crunch. Walker, who wants to be the next president of the United States, said he doesn’t think the federal government can afford to continue the expanded Medicaid.

As the state budget drama unfolded in the Capitol, another tax-break idea for business was being floated: it would end the property tax on business equipment. Republican sponsors of the bill said it would save business firms about $270 million. The costs would be shifted to residential property, with the largest impact being felt in cities and villages, according to municipal officials.

Even with a 2020 start date, the new tax-break idea for business may seem strange given the current budget crunch. But it has a lot better chance of passing the Republican-controlled Legislature than the budget ideas of the Council on Children and Families.

EDITORIALS

TRAVEL

EDITORIALS

SENIOR Answer Man

TRAVEL

IT MAKES ME CRABBY “Planting Tomorrow’s Dreams Today”

By Brad Olson, CFP

Seniorcare: Huge cost shift to seniors waits in the wings

By Bruce Nemovitz

Not only does the Walker Administration turn down millions of dollars for things like health care and high speed rail, but now it proposes to give back money that we have been getting for years. I am talking about Wisconsin’s unique and highly successful Rx drug program for low income elders called SeniorCare.

There are 85,000 lower-income older people enrolled in SeniorCare with almost 60% of them having incomes below 200% of the Federal Poverty Level (FPL), or $23,540 for a single individual. The 200% is important because under a federal waiver the state receives federal matching funds for all enrollees under 200% FPL. There are 9,700 people with incomes between 200% and 240% FPL, and 26,000 over 240% FPL. This latter group is called “spend-down” which means that they are not eligible for assistance unless they spend enough money on Rx drugs to reduce their incomes below 200%. However, even at the spend-down level they have “cred-

PLANTING TOMORROW’S DREAMS TODAY

By Brad Olson

AGING ISSUES

By Tom Frazier

ible coverage” which means they do not face a monetary penalty if they do not purchase a Medicare Part D insurance plan. I believe thatSPORTS most of these people are enrolled By forJack thePearson “credible coverage” to avoid the penalty PLANTING and TOMORROW’S represent little or no cost to the state.

DREAMS TODAYSeIn state fiscal year 2013-14,

By Brad Olson niorCare was funded with $16 million state dollars (18.6%), $17.2 million federal funds (20%), and $52.9 million from rebates from drug companies (61.3%). In the past this kind of leveraging of additional federal and private dollars would have been considered a great investment. But not now. The SPORTS Governor’s proposal would require

By Jack Pearson everyone on SenoirCare to purchase a

SENIOR HERMAN WHITE WRITES Answer Man

Part D plan with SeniorCare serving as APRON a supplement for drugs not covered by Emma a Part D plan. The Governor says this STRINGS

By Aunt Emma over will save the state $15.5 million the two year budget cycle.

In order to realize this savings, the state will give up $15.5 million in federal matching and $66.1 million in rebates from drug companies over two years, according to the Legislative Fiscal Bureau (a non-partisan legislative agency). And, I calculate based on the average cost ($700 a year) of a Part D plan in Wisconsin, lower income older people would be forced to pay $41 million more a year in out-of-pocket costs to buy Part D plans. In addition, the 26,000 people at the spend-down level would lose their credible coverage and face a financial penalty if they did not purchase a Part D plan. Clearly, the big winners are drug companies that would no longer be paying rebates to the state, and the big losers would be low income SeniorCare enrollees who would have significant new outof-pocket expenses.

There is something just plain wrong about giving back $81.6 million in federal and private revenues while shifting $82 million in costs to low income older people in order to save $15.5 million over the two year budget period. And, this does not even include disrupting and complicating the lives of 85,000 older people. Where is any sense of fairness? Where is the “care” in SeniorCare?

The good news is that members of the Joint Finance Committee are saying that they are not likely to go along with the Governor’s proposal, but they are saying that they might make some changes to the program.

By Enis Wright Let’s hope that any changes are fair and restore the needed care.

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By Matt Pommer PLANTING TOMORROW’S DREAMS TODAY

By Brad Olson

4A • 50PLUS • MAY 2015

EDITORIALS

Buying used vehicles Motor vehicle sticker prices, to our thinking, are just too high to think in terms of a new vehicle as opposed to buying used. It has been a long time since this person drove away from a dealership behind the steering wheel of a new auto.

In order to get what we think is the “biggest bang for the buck,” we recently consulted the used car value calculations of Consumers’ Digest.

Recommended vehicles in various price ranges as listed do include the following: $10,000 or less Sedans, 2006-08 Hyundai 4 cylinder, 2005 Acura TL; TRAVEL Small cars, 23008 Mazda 3 S or Pontiac Vibe 2005-08.

UP to $15,000: Subaru Impreza or Kia Soul in the 2010 range with Infini-

TRAVEL EDITORIALS

Y SENSE

Ellenbecker llenbecker psky

SENIOR Answer Man

W ll Wellness

morrow’s Today”

ti 2006-07 G35 and Acura 2005-07 RL the best busy, on average, in sedans.

In the $20,000 range: Good buys generally include Honda Accord (2008-12) Toyota Camry (2008-12) in sedans. For smaller cars, the picks as Toyota Prius (2010-13) and Hyundai Elantra (2013-14). $20,000 to $25,000 range: Toyota Camry (2012-13) and Infiniti M (2009). Nissan Murano is the latest year model (2011-12) in the SUV category.

To determine the “nightmare cars” that you do not want to own, do check Carfax or Auto Check if possible.

When buying used, do more investigation than just kicking the tires and turning the key.

ME SENIOR CRABBY

son, CFP

ON NGS

Answer Man

Emma

DEAR SAM: We recently were talking about the politicians in Milwaukee. We do realize that electing them to particular MONEY SENSE offices is the fairest way to go to good

By Karen Ellenbecker & Julie Ellenbecker government. But do we always get the -Lipsky best people via this method?

What are your thoughts about this?

SINCERELY, JOHN JERKOWSKY Financial Fi i l Wellness W ll “Planting Tomorrow’s Dreams Today”

By Brad Olson, CFP DEAR JOHN: You somewhat take the bull by the horns with this question. Should we question the candidates’ abilities APRON Emma STRINGS and brainpower rather thanAnswer just rely

By Enis By Wright Aunt Emma the WRIGHT on their glib tongues, firm handshakes

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and toothy smiles? Surely, some may not make the grade like the ones in power who voted against the Northwestern Mutual Insurance proposal for the near lakefront parking structure.

Regardless, I do still support elections and I will go further in writing that I really do not believe any local elections are rigged. If you wish to take a bus full of voters to lunch after encouraging them to vote a certain way may not be exactly kosher, but then kosher-prone people would not TRAVEL do a thing like this anyway.

Do attend a county board meeting or a city council session and see how your elected officials act and react. We suspect you would find such activities very enlightening.

YOURS FOR BETTER Man GOVERNMENT, SENIOR ANSWER MAN

EDITORIALS

ENTERTAINMENT the WRIGHT calendar SENIOR SIDE of SIDE of

oone

I like to watch basketball at all

How about raising the rim of the basket up beyond their reach so the art point shot was placed into the game of dunking again would only be with to give the smaller players greater doughnuts? Also, what about nullifyopportunities to score. Still, the sev- ing any successful shot if the shooter’s en-footers who just stand under the hands touch the rim? basket, stretch out their four foot long We believe only the really tall arms and half-a-ham-like hands are players would be upset with such difficult to compete against. changes. But why not let them be a bit crabby?

levels of the sport. I realize the three McLoone

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The Veterans Administration has Private medical care perhaps will Dreams To announced that it is relaxing a rule that add SPORTSMOVING IN THE billions of dollars to the care costs

By Brad Ols requires veterans resideDIRECTION within of veterans. Still, do pity the poor vetRIGHT

By Jack who Pearson 40 miles of a VA facility utilize its eran who still will live beyond the 40 By to Bruce Nemovitz programs, etc. Those residing beyond mile limit even now as the new rule is a 40 miles as the crow flies direct route to determine such not as a crow flies, B can use local physicians. but via a direct road route.

Some well-sent letters to the VA may be in order. Emma

the WR SI

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with Jim McLoone

By Aunt E

Would you believe electronic sta- He’d just had back surgery.

AGING bility control really decreases single aaaaa ISSUES vehicle accidents by so much as 70 Cashless toll ways are being inFrazierstalled in various states. The mints percent? Sedans are said toBybeTom the safest cars with or without grandma be- won’t need to manufacture half as hind the wheel. many quarters. aaaaa aaaaa Why is it that the last piece of lugWould Alexander Graham Bell gage going around on the airport car- ever believe these; the cordless phone, ousel often belongs to you while the wristwatch phones and apps, whatever first one off just seems to go around they are? and around? aaaaa aaaaa PLANTING Ach du lieber! If college French What’s the best cure TOMORROW’S for seasick- was tough, as we have read for Gov. ness? We do believe it isDREAMS staying TODAY on Walker, might he believe he’s tiptoesolid ground?

By Brad Olsoning through the tulips if he ever needs aaaaa to speak Iranian, Israeli and Russian?

First there was the bicycle, then aaaaa the motorcycle and now there’s the Do you recall the May Day basket credit card billing cycle. This last of candy exchanges that were so excitseems to come around fastest. able when you were young and sassy? aaaaa aaaaa The lottery ticket sellers are the Who said it has to be Spring beonly sure winners at the Brewers’ fore the young man’s thoughts turn to games. girls? aaaaa aaaaa SPORTS I met a friendly banker recently.

Will Brian Williams be awardBynot Jack Pearson He was limping. No, it was caused ed the 2015 Prefabricator of the Year this time by his extra-heavy wallet. award?

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Hartland, WI 53029

262-367-5303

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MONEY SENSE

STATE CAPITOL COMMENT

By Karen Ellenbecker & Julie Ellenbecker -Lipsky

By Matt Pommer

A great time to invest in your home!

As Realtors, we always say “you’ll know what kind of year it will be by Easter.” That being the case, we are going to have one heck of a real estate year! In my long career as a real estate agent, I have never seen a start to any year like this one. There are some interesting commonalities that stand out when assessing the sales activity.

Homes that show well (staged) and are priced properly (competitive and realistically based on current competition) are selling in less than 10 days and in many cases receiving multiple offers. In these cases, the final sales price exceeds the actual current value of the home! This phenomenon can be attributed to our current buyer generational makeup called “generation Y” or “millennials.” This group exceeds the boomer generation in numbers and is over 80 million strong. They are also called the “boomerang generation” because so many of this group, ages 18-34 have left the home and then returned to live with their parents. This will be the majority of the buyer constituency for the next 10 years. This first time buyer group will determine

MOVING IN THE RIGHT DIRECTION

By Bruce Nemovitz

the strength or weakness of the real estate market for the coming years.

Success in selling your home depends on how close you match the expectations of this millennial buyer.

I can tell you from experience they do not wish to do any major improveAGING ments and will punish theISSUES seller who tries to sell a home with or in By defects Tom Frazier poor condition. Punish is a harsh term, but by that I mean sale prices 20%60% below current market value!

There is an old saying, “if it ain’t broke, why fix it?” We know what this group of first time buyers expects, so why go against the grain when preparPLANTING ing your home for market?

Your RealTOMORROW’S tor can do an assessment of your home DREAMS TODAY with a simple walk through.

They will

By Brad Olson alert you to any major issues that need

an inspection and possible repair. They can bring in a stager to suggest paint colors when preparing your home for sale. Flooring and carpeting can bring Financial i lW Wellness llyou back several times theFi investment “Planting Tomorrow’s Dreams make. If you are not going to Today” sell for

By Brad Olson, CFP a few years, why not make the investment now so that you can enjoy the new interior and exterior look and feel of your updated home? It is truly astonishing what a difference fresh paint APRON and new flooring Emma can make to the look, STRINGS feel and smell of your newly updated

By Aunt Emma home. Again, if any of these improvements are made, make sure you choose the right colors and flooring that match the millennial’s wish list so that you maximize your return on investment when it is time to sell.

Time of year also can mean thousands in or out of your pocket when selling. The best time to list your home is early March until the school year ends (usually mid-June). The reason is that most buyers are coming from an apartment and can’t wait to buy their first home. They apply for a pre-approval from their mortgage lender at the end of the year so that they can be

MAY 2015 • 50PLUS

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ready to buy in early spring. This year, in particular, has produced the largest number of buyers I have seen in the last few decades. The general feeling from buyers is that rents are rising; interest rates are about to increase, and home prices are inflating with the recession behind. Therefore buying now will be much more advantageous than buying in the future. So now is a great time to sell if you are thinking of downsizing from your long-time home.

Here are some of the best investments with the greatest returns on your dollar other than the paint and flooring I mentioned: attic bedroom - 77.2% return, basement remodel - 72.8% return, bathroom remodel - 70% return, minor kitchen remodel (under $25,000) 79.3% return, siding replacement - 80.7 return, and the leader, garage door replacement - 82.5% return!

Now that you are aware of this new buyer and their wish list, go ahead and have a Realtor stop out just to offer information critical to your decision to move, such as improving your home as

TRAVE

SENIOR Answer Man

IT MAKES ME CRABB

HERMAN WHITE WRITES

ARTS

Making the decision to sell your home can be overwhelming.

SPORTS

Jack Pearson We truly understand just that, andBycan make the transition to easy living as smooth as possible.

NEMOVITZ continued on page 21A

ENTERTAINMEN

calendar the WRIGHT SIDE of

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with Jim McLoone KILLING TIME T R U S T. E X P E R I E N C E . I N T E G R I T Y Selling your home doesn’t have to be a burden...WE CAN HELP! From downsizing, to packing, moving, repairs and scheduling services on your behalf...We have you covered! With more than 30 years of experience, we have helped over 3,000 families make the transition. Learn more about the families we’ve helped by visiting us at: www.BrucesTeam.com/Testimonials

Contact us today for a free consultation: (262) 242-6177 www.BrucesTeam.com | Jeanne@BrucesTeam.com | Bruce@BrucesTeam.com

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By Aunt Emma

6A • 50PLUS • MAY 2015

AGING ISSUES

By Tom Frazier

IT MAKES ME CRABB

Investing in Retirement – A down market can devastate your retirement!

One of the greatest risks to a successful retirement is out-living your assets. This could be caused by unaccounted for inflation, uninsured medical expenses, or just living a lifestyle your assets cannot support for the long term. But sometimes you can save tenaciously, plan fervently, live frugally, adhere to all commonly accepted investing principles and still have your retirement nest egg dwindle. One possible cause of this scenario could be the risk from your “sequence of returns.”

As one’s portfolio grows over a number of years, losses may be offset by gains. When investors enter their retirement, the sequence of returns issue becomes critical because time is no longer on their side. If you experience a market downturn in the years shortly following your retirement, the combination of withdrawals and poor performance can make it difficult to recover. Although many advisors focus on longer term investment returns produced by an investment portfolio, the longevity of your investment portfolio will be largely determined by its

PLANTING TOMORROW’S DREAMS TODAY

By Brad Olson

sequence of returns. Failure to grasp this principle before retirement and early in retirement constitutes a potentially critical risk.

Let’s look at an example: assume a $100,000 portfolio with an annual withdrawal of $9,000 for a 65-yearSPORTS old. There are threeByscenarios.

The Jack Pearson average return in all three portfolios is 7%, but when the sequence of annual returns varies in the first three years, you see a dramatic change in how long your money will last!

• In Scenario #1, with a constant 7% annual return. Income stops at age 86 and you are out of money.

• In Scenario #2, the portfolio experiences a single poor return early (-13% first year, followed by +7% sec-

ond year and +27% in the third year).

Income stops at age 81 and you are out of money.

• In Scenario #3, positive returns are achieved at the beginning, before a negative year (+27% first year, followed by +7% second year and -13% third year). Income stops at age 95 and you run out of money.

Only a single negative year with a relatively small early 13% drop causes money to run out years sooner.

What do you think a 20% or 30% drop would have done?

One thing to note is that the sequence of returns will not have any impact on a buy-and-hold portfolio.

If you do not add or withdraw money during the time period, then two portfolios with the same average return will end with an identical account balance, regardless of the order of investment returns during the period.

Sequence of returns risk only appears when you are actively withdrawing from your portfolio.

How does a retiree combat sequence of returns risk? One way would be to ensure the stock market

only goes up for the first 4 or 5 years of your retirement. However, if you are not confident you can accomplish that, here are a couple more realistic ideas.

One way is to take a fixed percentage from your account rather than a fixed dollar amount. If you draw 4% from your account every year regardless of what the underlying value is, you will eliminate all sequence of returns risk.

However, your monthly income from your investments will fluctuate from month to month while, for most retirees, your monthly bills do not fluctuate significantly.

Another way is to reduce the standard deviation (volatility) of the returns of your portfolio. If two portfolios both average 7%, but one of them varies between 4% to 10%, while the other oscillates from -15% to 22%, the

By Enisportfolio Wright second, more volatile will have higher sequence of returns risk.

You can reduce the standard deviation and minimize the volatility by adding cash, bonds, and other low-correlation assets to your retirement account.

Also, there are certain annuities that OLSON continued on page 22A

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MAY 2015 • 50PLUS

Women who worry they are missing out half of her husband’s Social Security.

How much she can get from his

BY TOM MARGENAU Every single day, I get emails from women wondering if they are missing out on some kind of Social Security benefits. These are almost always women in their late 60s or even in their 70s and 80s. They are either getting their own Social Security retirement benefits and wonder if they should be getting more money from their husband’s Social Security account. Or they are already getting benefits from their spouse, but wonder if they might be due higher benefits from an ex-husband’s record.

I’ve learned from their emails that their anxiety and confusion stems from one of three sources. The most common is a neighbor or friend, usually a self-proclaimed Social Security expert, who tells them that they should be getting more money each month from the government.

The second misleading source is the Internet. And I don’t think I need to remind too many of my readers that the Internet is usually not the most reliable source of information about Social Security benefits.

And sadly, the third source of many readers confusion is me! Usually it is because they have read something I wrote about various forms of spousal benefits, but they have missed a key eligibility factor. Here is a typical example.

Reader’s email: “I am 72 years old and my husband is 75. He gets $1,500 per month and I get only $525. Your recent column said that a woman gets

Why am I getting so little?

My response: “In that recent column, I said that a woman can get up to 50 percent of her husband’s Social Security benefit IF she waited until 66 to claim those benefits. You must have taken benefits at around age 62 because you’re getting about a third of his, which is the proper payment amount for someone in your situation.�

So let me spend the rest of this column clarifying some points about what a woman is due from Social Security.

I must start with this point: It is highly likely that you are getting all the Social Security benefits you are due. The Social Security Administration is very good at identifying potential eligibility for various Social Security benefits. And their computers are programmed to catch possible entitlement issues on other accounts. In other words, if you file for your own retirement benefits and have a husband already getting Social Security, agency computers will cross reference those accounts to determine if you are due anything from another record.

As a general rule, if a woman has worked and earned her own Social Security retirement, she will be paid that benefit first. After she gets that, the Social Security Administration will look at her husband’s record to see if she can get any extra benefits off of his account.

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record depends on her age. The most she can get (assuming her husband is still alive) is half. She would get that if she waits until age 66 to file for benefits. But she does not get a full spousal benefit added on top of her own. She just gets supplemented up to his rate.

Here is a quick example: Mary files for Social Security at age 62. Her full (age-66) retirement rate is $800 and her reduced age 62 rate is $600. Her husband, John, is 67-years-old and is getting $2,200 per month. Because she is 62, Mary’s spousal rate is about one-third of Bill’s benefit -- or $733.

Mary will get her own $600 retirement benefit, and get an extra $133 in wife’s benefits, for a total of $733.

Actually, the more common situation is that a working woman won’t get anything from her husband’s Social Security account -- at least while he is alive. And that’s because her own retirement benefit usually exceeds the small percentage she is due from her husband.

And now, let’s talk about widow’s benefits. A woman who is over age 66

• 7A

when her husband dies will generally start getting 100 percent of her husband’s month of death benefit. Or her own retirement benefit will be supplemented up to that level. Here is a quick example. Jerry was getting $2,100 per month when he died. His wife, Carole, was getting her own Social Security retirement benefit of $1,700. Carole will keep getting that $1,700 check, but she will also start getting $400 in widow’s benefits to take her total income up to $2,100.

Widows can get benefits as early as age 60. At that age, she gets 70 percent of her husband’s Social Security benefit. Women under age 60 would qualify for widow’s benefits only if they are caring for a deceased husband’s minor children. Also, in rare cases, a disabled widow with no minor children can get benefits as early as age 50.

Widows have one major advantage other Social Security beneficiaries do not have. They can take reduced benefits on one record and later switch to full benefits on another record.

8A • 50PLUS • MAY 2015

Communication and attitude

Q

BY DOUG MAYBERRY . My husband and I have been happily married for 18 years. However, in the last year I think we have both realized our relationship has become just something we have accepted as routine. Neither of us has spoken or openly expressed our feelings. I feel that we need to do something about our current relationship, or one of us will soon ask for a divorce or separation, as neither of us is happy. Knowing this, what would you suggest I do to determine if we will stay together?

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A

. If you want to remain married, it is definitely time to open up a conversation and tell each other how you feel. Every relationship has its ups and downs during marriages.

Sometimes we become angry and want out, and things are always changing.

If there are children, financial, health or sexual issues involved, it complicates decision-making. Sometimes it’s about the snoring, the toilet seat or the toothpaste cap.

YOUR RELATIONSHIP IS OVERDUE FOR A TUNE-UP! Two of the most serious relationship factors to improve are attitude and communication skills. Both need to be

Se n i o r s

addressed now. It’s time to do a short 10-minute business-like appointment with each other to discuss each other’s feelings. Do not make it a dogfight; do not drink; and keep it short. Keeping it short allows for more time to think and schedule another meeting. Focus on a positive outlook, and be kind to each other. Unexpressed and accumulated frustrations tend to turn into resentments. Unsurprisingly, we sometimes learn there was something on their mind we had not imagined! Do not fear speaking the truth. Remember to realize how important your relationship is. Unexpressed frustrations can pile up and cause negative reactions.

Regardless of your differences, respecting each other is a major component for happiness! There are no perfect marriages, only perfect moments!

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FESTIVAL continued from page 1A the 1980’s Marsala was known as Burgundy! The Greenhouse was packed with the beauty of flowers and roar of laughter.

Oh, and let’s not forget about the afternoon tea! Kerry Mackay, owner of The Steaming Cup, brought in an array of exotic teas paired with finger sandwiches, scones topped with homemade flavored butters, and freshbaked pastries. Steaming Cup staff members circled the greenhouse with beautiful one-of-a-kind teapots, filling

dainty tea cups while Kerry shared his vast knowledge and stories about each tea, how to prepare them and what foods they pair nicely with.

All proceeds from this event go to support the programs and services Interfaith Senior Programs offers for seniors and adults with disabilities.

Interfaith’s mission is to engage and support Waukesha County seniors in

leading meaningful lives. Services, such as transportation, seasonal yard clean-up, lawn mowing, snow shoveling, help filling out forms and bills, as well as friendly visiting and non-medical respite for caregivers, help seniors remain living independently in their home of choice. Seniors 55 and older can get involved in the community through an RSVP program as volunteers in local schools, non-profit orga-

• 9A

nizations and government agencies.

A special thank you to the 2015 sponsor, Estate Planning Attorney Joanne Leifheit.

Mark your calendar for next year’s Festival of Flowers on March 9, 2016.

We hope to see you there! To learn more about Interfaith Senior Programs, become a volunteer or make a donation visit InterfaithWaukesha.org or call 262-549-3348.

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10A • 50PLUS • MAY 2015

Can you hear me now?

When that bad connection is actually bad hearing

By Diane Schlindwein If you find yourself asking others to repeat themselves because your hearing isn’t what it used to be, you aren’t alone. Hearing loss affects about 20 percent of American adults; that’s 48 million people. Moreover, by age 65, one out of three individuals has diminished hearing. Over half of Americans who are 75 or older have the health issue. And this particular problem doesn’t just affect the senior population; an estimated 30 children per 1,000 have less than perfect hearing.

Though millions of adults suffer, only one out of five people who could benefit from a hearing aid actually wears one. Moreover, 26 million Americans between the ages of 20 and 69 have high-frequency hearing loss because of exposure to loud sounds or noise at work or in leisure activities. Often the older you are the worse your hearing.

According to the National Institute on Deafness and Other Communication Disorders, sounds can be harmful when they are too loud, even for a brief time, or when they are both loud and long-lasting. People of all ages, including children, teens, young adults and older people, develop noise-induced hearing loss, or NIHL. If you are a baby boomer who attended a lot of rock concerts in the ‘60s and, ‘70s, chances are you are paying for that now.

NIHL can be prevented by wearing earplugs or preventive devices when involved in a loud activity -- such as using power tools or attending a very loud conHEARING continued on page 13A

Our board-certified family nurse practitioners will work with you to develop a personalized plan to prevent disease, improve your health and help you stay well. We’ll even send your visit summary directly to your doctor.

Call 855-WALGREENS (1-855-925-4733) to schedule an appointment at a clinic near you.

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Q: WHAT PROBLEMS CAN A HEARING LOSS CAUSE IN AN OLDER PERSON’S LIFE? A: Typically, the most common are depression due to social withdrawal and isolation. Hearing loss is often gradual so a person may begin to stop participating in activities they once enjoyed. Perhaps they cannot understand the conversation with social activities and it becomes too tiring and embarrassing in that they may respond inappropriately. With depression and withdrawal dementia and confusion can arise. Other problems can be increased such as risk of falling and increased risk of automobile accidents. With hearing loss comes the inability to localize where sounds are coming from. Crossing a street can be dangerous or being able to tell where an emergency vehicle is while driving.

Typically, the longer the person waits to pursue hearing aids the less favorable outcome due to atrophy of the auditory system from lack of stimulation. Other problems that can arise are increased risk of diabetes and heart problems due to lack of blood flow from lack of exercise.

SONUS continued on page 11A

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SONUS continued from page 10A Q: WHAT SHOULD A PERSON DO IF THEY FEEL THE MEDICATION THEY ARE TAKING IS CAUSING HEARING LOSS? A: Notify your physician immediately. Often times medication that is causing hearing loss can be reversed when the medication is stopped. Ringing in the ears or tinnitus can be an early sign that a medication is beginning to affect hearing along with dizziness. It is important that persons have good communication with their doctor and make sure to read side effects of any new medication that has been prescribed. Often times, a change in the dosage can correct the problem or switching to a different medication. There are many drugs that can cause hearing loss or that are ototoxic. High dosages of aspirin and some antibiotics can be ototoxic. Some chemotherapeutic drugs can be ototoxic along with radiation therapy for those who have been diagnosed with cancer. In addition, some water pills or diuretics can be ototoxic along with some antidepressants.

The best advice is to read the side effects that accompany prescriptions and typically ringing in the ears or tinnitus that has become worse or has begun can be an early sign of ototoxicity. Discussing these issues with your doctor and asking questions about any current medication or new medication is vital.

Another good source of information about side effects of medications is to ask a pharmacist. Some people are on many medications and the interaction can cause ringing in the ears or tinnitus. Polypharmacy is a term that means taking many medications for various health issues. The only problem that can arise is that some medications do not interact well with others. Again, reviewing the medications you are taking with your doctor is a good idea from time to time.

John A. Mortensen, Au.D. • john@sonusmetromke.com www.facebook.com/SonusMetroMilwaukee 2 locations to address your hearing needs

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• 11A

Milwaukee Ear Nose & Throat

Q: HOW DO I KNOW IF I HAVE A HEARING LOSS? A: Hearing loss that occurs suddenly is easy for a person to notice. Everything seems softer, more muffled than yesterday. But most hearing losses will occur gradually. As hearing loss occurs, all sounds are not decreased equally. Middle ear problems tend to soften the bass frequencies. This lowers volume but may leave the speech understandable. Inner ear losses usually decrease the higher frequencies first. This leaves the sound level lowered a small amount but causes the speech to be unclear or “muffled”. Without ear pain people will assume the problem is because the other person is” mumbling”. Our TV’s and radios have volume controls so we just turn them up to compensate. Sub-consciously we learn to look at the person talking. This gives us information from facial expressions, posture, hand movements, and context. People get by for years but gradually they will change their behavior and become less social. Signs of a problem include friends and family tell us we aren’t listening, it’s hard to follow conversations in restaurants or big groups, and our children or grandchildren talk fast or softly and we don’t catch it all. Unfortunately, many people will just ignore these signs. The best way to know if we have a loss is to be tested by an Audiologist. We get baseline readings for vision, blood pressure, sugar and our hearts, so why are we so eager to ignore our hearing levels?

Phil Swoboda, Milwaukee ENT Hearing Center

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12A • 50PLUS • MAY 2015

Milwaukee Ear Nose & Throat

Q: WHAT TYPES OF HEARING LOSS ARE MOST COMMON IN OLDER ADULTS? A: There are two types of hearing loss: hearing loss caused by damage in the inner ear (sensorineural) and hearing loss caused by a problem in the outer and/or middle ear (conductive). Age-related hearing loss is the most common inner ear hearing loss in older adults. As we get older, the inner ear nerves and sensory cells gradually lose their ability to function. Our ability to hear high frequencies declines first, resulting in trouble hearing initial and/or final consonants (i.e. s, f, th, sh, k, t), trouble hearing in background noise, and more trouble hearing women’s or children’s voices. This type of loss is typically permanent and cannot be treated with surgery or medication. Built up wax and outer or middle ear infections are responsible for the most common outer and middle ear hearing losses. When wax or infections are causing hearing loss, voices and sounds will sound distant or weak and you may feel plugged up. These types of hearing loss are typically temporary if treated promptly.

Anne Jaramillo, Milwaukee ENT Hearing Center

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Q: HOW CAN A HEARING AID HELP ME TO HEAR? A: A complete hearing evaluation is needed to determine the type and severity of a patient’s hearing loss. Amplification of individual frequencies of the hearing aids are programmed by the professional to address the deficiencies of the damaged cells of the inner ear. The hearing aids will enhance the sounds and voices that the patient hasn’t heard for some time. The hearing aids will enhance other sounds as well. During the initial fitting period, it is important to wear the hearing aids in all listening environments. This will give the patient a better chance to acclimate to the new sounds and determine what sounds are comfortable and uncomfortable. It is very important for the professional and the patient to develop open communication to solve any issues regarding the proper programming strategies of the hearing aids. Today’s hearing aids are very sophisticated and can be programmed to address a patient’s individual needs in order to hear speech and sounds as best as possible.

Q: What options do I have for treating hearing loss?

A: Depending upon the severity and type of the patient’s hearing loss along with the patient’s activity level, the options of addressing a hearing loss is greater than ever. Custom in the ear hearing aids are still available. They come in different sizes from ones that are inserted deep into the ear canal to a full shell style that fills the concha bowl of the ear. These tend to be easier to handle for patients that have dexterity issues. There are behind the ear open fit hearing aids that are very small and discreet. A complete hearing evaluation and a gathering of patient life style information is needed to determine what type and style of hearing aids will best address the patient’s hearing loss. A fitting period of 30 days is given to the patient to decide if the hearing aids will benefit and aid in understanding speech better.

The fitting period often can be extended if necessary. Ask the professional if there is a fee to be paid if the patient is not satisfied and returns the hearing aids within the fitting period. Depending upon the professional, this fee may be waived. Do not let price alone be the only guide to address a hearing loss. It’s important to find a professional who is courteous, patient and knowledgeable. -Andy Cmeyla

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• 13A

Beltone

Q: How common is hearing loss?

A: 20% of adults report some degree of hearing loss according to a Johns Hopkins University Study. By the age of 65, one in three people have a hearing loss. Prolonged noise exposure due to a noisy work environment will greatly increase the likelihood of a hearing loss regardless of age.

Q: What do I do if I think I have a hearing loss?

A: The short answer is to seek verification from a licensed professional. The long answer: The most important piece of information I can share with you is to not delay. Often times we find what is a normally healthy ear impacted with ear wax. This, of course, is a best case scenario. There are hearing losses that if detected early can be treated with steroids and normal hearing function can be restored. If that loss is left untreated, the infection based loss becomes permanent.

Hearing loss can also be a symptom of another serious illness. Aside from these rare, but serious scenarios, your typical age or noise induced hearing loss also deserves immediate attention. The human brain requires stimulation to remain healthy. Hearing speech clearly is an exercise that ensures it retains the ability to do so. Individuals with a prolonged untreated loss will see a marked decrease in their ability to understand speech. Once the loss is treated they can see a halt in that decline, but more often than not permanent damage to the auditory nerve’s clarity is a reality. The result is a greater success rate with losses treated early.

Hearing loss affects an individual’s life beyond the obvious. Social isolation, while perhaps obvious, goes beyond being ‘lonely’. A less social person is, on average, a more sedentary person. A body in motion is a healthy body. Lastly, to refer back to “keeping the brain stimulated”, studies are showing a correlation between untreated hearing loss and a more rapid appearance of Alzheimer’s symptoms. When someone is diagnosed with Alzheimer’s, and a hearing loss is suspected, I can’t stress enough how effective hearing treatment can help keep their mind engaged.

Submitted by: John Dykstra State Licensed Hearing Instrument Specialist Beltone of Southeast Wisconsin owner: John Dykstra Hearing Instrument Specialist- State License # 1287 Co-owner Southeast Wisconsin Hearing LLC • Authorized Beltone Dealer

HEARING continued from page 10A cert. If you are a grandparent, keep your grandchildren safe by protecting their ears, and don’t be afraid to remind parents to do the same thing. Most important, have your hearing tested.

Audiologist Sharon Green says, “I see patients every day who benefit enormously from treatment. Unfortunately, a large number of them have needlessly suffered by waiting too long to seek help.”

Green says it’s important to recognize the signs of hearing loss: inattentiveness; buzzing or ringing in the ears; failure to respond to spoken words; muffled hearing; or constant frustration in hearing speech or other sounds. Untreated hearing loss is tied to social isolation, depression, early exit from the workplace and a reduced quality of life. New research also has found a strong link between the degree of hearing loss and the risk of developing dementia.

To fit a hearing aid that is right for the patient, an audiologist must first determine the hearing lifestyle of the patient. Someone who lives with a lot of background noise needs different technology than someone who lives a very quiet lifestyle.

Modern hearing aids are much improved over those that your parents might have worn. Audiologists who have been practicing for a few decades have witnessed a dramatic change in the delivery of hearing care services.

Remember, however, that hearing aids are designed to aid a person’s hearing. They can’t restore human hearing, nor will they stop the progress of hearing loss. Moreover, it does take time to learn to live with a hearing aid. A dedicated professional who is willing to make adjustments to the hearing device can speed up the process.

Midwest Audiology Center, LLC

Q: WHAT OTHER DEVICES ARE AVAILABLE TO TREAT HEARING LOSS? A: The only devices that truely treat hearing loss are hearing aids fit by a qualified professional. The advanced technology available with current hearing aid manufacturers allows for wireless connection to cell phones, TV’s, land line phones, Ipads, MP3 players, computer, tablets etc...

There are some devices that do help make life easier for those who choose not to purchase hearing aids but still want help in certain situations. One example of this is a closed caption telephone that allows the user to see words on a small screen in real time as they are spoken. It works like any other telephone but you do need both an internet line and a telephone line in your home. An additional bonus is that these phones are provided free of charge by companies that work with the federal government to provide the captioned service. There are no monthly charges to the user as part of the Americans with Disabilities Act. An audiologist can test your hearing and provide application information on obtaining one of these phones.

There are also amplified telephones that are capable of providing significant volume to the telephone signal for those who do not have hearing aids.

Another example of devices used by hearing impaired individuals are television headphones like “TV ears”. These devices allow the television signal to be transmitted directly to the headphones worn by the user so the volume on the TV does not have to so loud in the room while others are watching.

Submitted by Dr. Douglas Kloss of Midwest Audiology Center, LLC. Greenfield Wisconsin.

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• 15A

Hall of Fame honors two very popular bowlers

By Jack Pearson Halls of Fame are vitally important to a sport, whether the sport be amateur or professional, local or nationwide. Those halls and their induction ceremonies give deserving honor to their specific sports’ most outstanding athletes and keep the memory of their accomplishments alive. And they also keep the sport in the public eye during the long off-season.

So it is in bowling, with the USBC (United States Bowling Congress) Hall of Fame, and the WBA (Wisconsin Woman’s Bowling Association) Hall.

Recently inducted into those two halls were a Milwaukee man, who now resides in Waukesha, Gus Yannaras, and a Milwaukee woman, Shirley Stahl.

Added to their remarkable bowling achievements, both are exceptionally gregarious, and correspondingly, very popular.

Perhaps, you’ve seen the little boxed item in the Milwaukee Journal’s sports pages every day, listing bowlers who have just bowled perfect 300 games. A recent edition included Gus’ name, for bowling his 42nd perfect 300. Gus has also bowled several 800 series, 21 actually. An 800 is considered harder to accomplish than a perfect game. Gus’ high was an 834.

The word “was” is used here instead of “is,” because he’ll probably top that total someday soon. At age 57, Gus is bowling as good or better than he ever did. Back in the years before all the new technology made for sky high scores, he averaged 232 for an entire season. That one he’ll probably never top, but then again....?

“I can’t explain it,” he said, “but I’ve always done very well in the sport. Even as far back as when I was only seven years old, and my Papou took me out to bowl my first game.”

What’s a Papou?, I asked. “Papou is Greek for grandfather,” he said laughing. “I thought everybody knew that.

Anyhow, I really loved bowling, right from that first game.” Loved it, and took to it well, as he said. Within two years, he and his pal, Mike Reagan, won the Wisconsin doubles bowling championship in the age 9-10 division.

Now here’s one of the most astounding segments of Gus’ bowling

career. For the past 20 years or so he has been a member of a team called Linds, which is one of the best in the state. Last year, the team average was 1140, which, if your calculator is working, comes out to an overall average of 228 per man. That is pretty fair bowling, anywhere in the United States. In addition to Gus, the other members are Lenny Boresch, Gary Daroszewski, Ryan Lever and Dale Traber. As noted earlier, Gus has just been inducted into the USBC National Hall of Fame. Three other members of Linds, Boresch, Daroszewski and Traber, also have been inducted into the Hall. Four members of the same team all in the National Bowling Hall of Fame; think of that for a minute. Can you imagine, for example, eight members of a nine-player baseball team, all who played at the same time, all being inducted into the Major League Baseball Hall of Fame in Cooperstown?

The odds of something like that are almost infinitesimal.

By the way, Gus has also been inducted into the Milwaukee and the Wisconsin Bowling Halls of Fame.

Concerning the man’s exceptional outgoing nature and ease in public, I asked him: “Gus, you must have been in politics or at least public relations.” He laughed. “Well, something like that, anyway. I owned and ran a neighborhood tavern for many years.

You have to be friendly and easy going kind of guy in that kind of work, or you won’t be in business for very long.”

Shirley Stahl is not only a very talented individual, she’s quite a pacesetter as well. Up until a couple of decades ago, other than in an occasional mixed league, women competed in women’s leagues and men in men’s leagues. Then one day an enlightened individual said, “Hey, this is an equal opportunity country. Let the ladies compete in the men’s leagues if they want to.” And if they were good enough to do so, of course. Well, Shirley wanted to, and for sure, she was good enough.

Remember back in the days when Ned Day was the most famous bowler in Wisconsin, if not in the whole country? If you check out some old

Hall of Fame bowlers Gus Yannaras and Shirley Stahl. sports pages, you’ll find that Day maintained averages in league and tournament play of just over 200. Shirley has accomplished that and better, for some time now.

In fact at present, bowling in five separate leagues, her averages have ranged from 205 to 216. Those are averages, mind you, not just an occasional game that high. On Mondays, she competes in a high average woman’s league; on Wednesdays, Thursdays and Fridays in men’s leagues, all high average, too; and on Saturdays she competes in a five man-five woman pro quality team in the Traveling Mixer League, which competes here and in cities all over the Midwest.

There are no special handicaps given to her and the other women bowlers in men’s leagues. Women’s bowling balls are of the same size and weight as men’s, and the length of the bowling lanes the same for both. Not like in golf, where there are separate tee areas for women which shorten the length of the fairways and also making them easier to play, or in basketball, where the balls are smaller and lighter.

Shirley has rolled 16 perfect 300 games as well as six 800 series. If you’re not into bowling, you might not know that most bowlers, male or female, never roll even one 300 game or reach as high as 800 in a three-game set. She also competed in the pro circuit for a few years; in one season ranking as high as 16th in the Midwest. “It was enjoyable,” she recalled, “but prize money wasn’t all that much, especially in women’s bowling. Costs for travel and for other things took up most of what I’d won, and I didn’t like being away from my family for so much of the time.”

I asked Shirley what achievement she was most proud of. She thought

for a moment and then replied: “It wasn’t anything I did,” she said, “rather it concerned my daughter, Cassandra (Bauerle). She won the prestigious Badger Queens Bowling Tournament one year, the first African-American ever to do so.”

You’d expect her to say something like that. Despite her great success in bowling, there are other more important things in her life. “My family is number one,” she said. She’s proven that point many times over. She has seven children, 22 grandchildren and eight great grandkids. She most certainly doesn’t look like a great grandmother, and so I asked her if she’d mind telling me her age. “Just say I’m in my 60s, and let it go at that,” she said, laughing and poking me in the ribs.

The lady is always happy and smiling, which helped her considerably in her early years competing in men’s leagues. Initially, women weren’t all that welcome, and there were more than a few surly and improper catcalls and mutterings. But, as noted, Shirley is easy to like and by the end of her first season in men’s league play all those crappy little comments disappeared and she became, as the saying goes, “just one of the guys.”

Gus Yannaras and Shirley Stahl -two Hall of Fame Inductees who both deserve the honor, for many reasons.

16A • 50PLUS • MAY 2015

PLANTING TOMORROW’S DREAMS TODAY

By Brad Olson

HERMAN WHITE WRITES

Like a rare wine, the man gets much better with age Gary Menzel. If you’re a Wisconsin sports fan, and especially into golf, you should know who he is. Gary is a perfect example of the old axiom, “Life begins at 50.” Not that he didn’t enjoy a good and productive life before then. He was a better than average athlete in school; he had a full and honorable career as a City of Milwaukee police officer; he’s had a long and happy marriage and a fine family. But it was after he turned 50 that his whole world changed; he became one of the best senior golfers in the history of the state.

Every year, for example, the Wisconsin State Golf association (WSGA) conducts many golf tournaments. One of them is the WSGA Senior Amateur Championship. Gary has won that event seven times, the most ever, more than such noted state golfers as Archie Dadian, Mark Bemowski, Dick Sucher and Frank Tenfel. Gary was inducted into the WSGA Hall of Fame in 2005.

He started playing the game back in the early 60’s, when he was still in his teens. In their headquarters in West Allis, the WSGA has plaques displayed on one of the walls of all its Hall of Fame recipients. On the plaques are many of the golfer’s major championships. There are more than 20 of them listed on Gary’s plaque; none of them before the year 1998, when he was 53 years old. Muse on that for a minute.

From age 18 and for the next 35 years

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and until he was into his 50s, Gary didn’t win a single championship; then from age 53 on, he won more than 20 of them. Which is why it is noted in this story that life began at age 50 for Gary Menzel, in his golfing career anyhow.

Why did this occur? The only way I was going to find the answer was to go to the source. I called Gary and asked if I could talk to him about it.

He was most obliging and invited me to his home on Milwaukee’s northwest side. I was met at the door by a charming lady with such a nice smile who welcomed me and escorted me in, taking my hat and coat, and asking if I’d like a cup of coffee or a soda or something to eat. It was his wife, Marianne.

She was most cordial to an old geezer she’d never met before. I thought to myself that I had discovered one of the reasons for Gary’s golfing success even before talking to him. So often in interviews with top flight athletes, I’ve found that there usually was always a gracious and loving wife behind that success.

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Since beginning play in WSGA senior golf, Menzel has won more than 20 major championships. Here he is with his trophy after winning his seventh WSGA Senior Amateur crown, more than any senior golfer in history.

The “Gary” who came into the room was just as congenial, and we began talking about golf, which is always enjoyable. He later explained the reasons for his late-in-life success. “Besides Marianne’s support,” he said, smiling at her as we talked, “another big reason was practice, and having the time for it. Our marriage and my joining the police force both took place at roughly the same time.

I’d really only been playing golf for a few years before then. So with my new job, and with the responsibilities of helping to raise a family, I didn’t have much time for golf. In order to become really good at the game necessitates practicing, continuously. Correspondingly, to do so you have to have the time for it. It wasn’t until I took my 30-year retirement from the force, and the kids were all grown and into their lives, that I did have that time for practice. With me, anyway, it made all the difference in the world. Especially, in my short game, which is all-important in improving your score.”

But, back to the beginning.

Over the past 20 years, three men have won close to half of all the WSGA golfing titles: Gary Gary’s early golfing career, all Menzel, Archie Dadian and Mark Bemowski. Here are two of them, Menzel, left, and Dadian. through the years he was serving as a

police officer, were as an amateur. He was a good golfer then, not a world beater perhaps, but the potential was there. A highlight of that portion of his golfing life was almost winning the 1971 WSGA State Amateur Tournament. He finished a close second.

Then, after his retirement from the MPD in the early ‘90s (he had put in a full 30 years and yet was still in his late 40s in age), he decided to become a professional golfer. “I figured that since I had the opportunity then to devote more time to golf, that I might as well try to earn some money in doing so,” he said. There are different degrees of becoming a pro. The top two are becoming a PGA Touring Pro, such as Arnold Palmer and Jack Nicklaus, or becoming a teaching pro, such as Manuel de la Torre. There is also another degree, which allows you to play in local pro events, and that’s the one Gary took on.

Unfortunately, becoming a pro golfer prohibits entering and competing in amateur events, and by far the number of golf tournaments every year in Wisconsin are of the amateur variety. That, and the fact that his earn-

MAY 2015 • 50PLUS

ings as a pro golfer were not all that lucrative (his top earnings in and any one year were less than $1,500, hardly enough to even cover expenses), after a few years this caused him to decide to return to amateur status. It’s sometimes difficult and time consuming to make that switch, but Gary managed it. By this time, he had passed the age of 50, which made him eligible to compete in Senior Golf events.

Sometimes a long list of items can make for tedious reading, but what follows represents only the highlights of one of the most prolific golfing careers ever in Wisconsin, for either a pro or amateur player.

• On the national level, Gary was the runner-up in the USGA Senior Amateur Championship in 1998, and followed that up with making the 36hole cut the next year. Both were the highest any Wisconsin senior golfer has ever achieved in that prestigious event.

• As noted, he won the WSGA Senior Amateur Championship seven times. The previous winning leader is Frank Tenfel of West Bend, who won six.

• He and his partner won six WSGA Senior Best-ball crowns; three times that partner was Archie Dadian, the other three times Tommy Welton.

• With different partners, he was a winner of the WSGA Two-Man Tournament four times.

• Gary and his son, Brian, won the WSGA Pater Filus (Father-Son) tournament in 1998.

• He won the WPLA (that’s for Wisconsin Public Links Association) Ray Fischer Championship in 2001. That event usually has one of the strongest fields of any Wisconsin amateur tournament. Gary said he is most proud of winning it than any of the others.

• He won the WSGA Governors Cup, an event for players aged 40 to 55, in 1996.

For all of the above and other achievements, Gary was elected to the WSGA Hall of Fame in 2005. He is the only inductee of the Hall to have been elected primarily on the basis of golfing accomplishments as a senior.

Gary was always a fine athlete.

As a teenager at Milwaukee Lutheran High School, he earned All-Confer-

ence honors in basketball, leading his team and the conference in scoring.

He also played basketball in college at UW-La Crosse. It was his freshman year at the school, Gary recalled, that his roommate suggested they play a round of golf. Gary agreed, even though he didn’t own any clubs and had never played the game before.

Which brings up another unusual aspect. It is very rare that a top notch golfer and tournament winner like Gary did not take up the game at an early age.

It is also amazing how quickly he picked up the game. He started in 1963, and within only eight years was playing scratch golf. (Most people, including your truly, play all their lives and never come close to that proficiency.) “I think it was around 1971, at Brown Deer Park, that six of us used to play,” recalled Dick Wallace, a long-time PGA teaching pro. “I still remember everyone’s name, Gary and myself, and Bil Brodell, Hammy Gerspe, Hal Koehler and Phil Toussant.

We were all fairly even and all shot in the 70s, and all of us except Gary had been playing since we were little shavers. Then I lost track of everybody, until the late ‘90s when Gary was making all the headlines and tearing up the senior circuit. I was happy for him; he’s really a good guy.”

Gene Haas, the former Executive Director of the WSGA, concurs. “He’s not only so likeble, he’s also very knowledgeable about all aspects of the game. Thant’s why I nominated him to serve on the WSGA Board of Directors. He served for about 10 years, until he had some health issues.”

As we concluded our talks, I asked Gary why I hadn’t seen his name in the results of any senior golf events in the past year. He shook his head and told me that back in 2013 he was diagnosed with prostate cancer.

“I had an operation to remove it,” he said, ‘But the procedure left me sort of weak. Somehow, I haven’t completely recovered.” So do you think you’ll be able to play again soon?, I asked. “As, maybe. Who knows,” he replied, and gave me a little smile.

As I walking out, Marianne took me by the arm and thanked me for coming to see them and for planning to do the story. How about that? Co-

• 17A

Every year when the WSGA inducts players into its Hall of Fame, the former Association Executive Director draws a caricature of the recipient. Here’s his rendition of Gary Menzel when Menzel was inducted in 2005. incidentally, the only other time anyone had ever thanked me after doing an interview also involved a senior golfer and his wife. It was a few years ago when I wrote a story about Frank Tenfel, and the one who thanked me was his wife, too, Pat. Being a writer and doing interviews can have its ups

and downs. Sometimes the people involved are uncommunicative and even grumpy, and at other times, they can be pleasant and very interesting. Golfers and their wives invariably fall into the latter category.

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son

HERMAN WHITE WRITES 18A • 50PLUS • MAY 2015

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May 1 & 2, 8 am - 3 pm Sussex Area Rummage Sale Community-wide rummage sale will be held rain or shine. Maps containing the location of each sale along with a short description of items to be sold are available at the Sussex Community Center, Pauline Haass Library and Sussex Village Hall.

Waukesha County Expo Center, 1000 Northview Rd, Waukesha.

For additional information visit www. antiquescenteratwales.com, free parking, free admission for children (15 and under) and $8 for those over 15.

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Brookfield Square, 95 N Moorland Rd, Brookfield.

To recognize Mother’s Day in a healthy way, the Froedtert & the Medical College of Wisconsin Cancer Network is teaming up with Green Bay Packers kicker Mason Crosby and his wife, Molly, to increase awareness about the importance of screenings for breast cancer. Crosby will autograph specially designed greeting cards that can be given to love ones for Mother’s Day. Limited edition pink mini-footballs will also be available, with 100% of profits from the sale supporting breast cancer research.

60

May 2,WRIGHT 7:30 pm the Hartford Community Chorus SIDE of Spring Concert

By Enis WrightRoad, Holy Hill, 1525 Carmel Hubertus

The chorus performs of a wide variety of sacred and secular choral literature, and sharing their love of singing with the listening community through free concerts.

FREE (goodwill offering appreciated). For further information, contact the Hartford Recreation Dept. at 262670-3730.

G TIME with Jim McLoone May 1, 5 pm - 9 pm May 2, 10 am - 5 pm May 3, 11 am - 4 pm Lake Country Antiques & Art Show

May 2, 1 - 2:30 pm GO GREEN, GOLD AND PINK FOR BREAST CANCER AWARENESS

May 2, 2 pm Vintage Cheddar Birthday Party

The Wisconsin Cheese Mart, 1048 N. Old World Third St., Milwaukee.

Cheese Lovers everywhere are encouraged to attend this free event. The connected Uber Tap Room will provide beer samples from a local brewery, an unforgettable birthday cake (made entirely of cheese, of course) and raffle prizes.

May 2, 8 am - 12 pm New Berlin Farmers Market

New Berlin Safety Building, 16300 W. National Ave.

Select from a wide variety of fresh, locally grown and produced goods. These include flowers, fresh vegetables, homemade bakery, salsa, and much, much more.

We would be honored to help your family thru the darkest of days…..

Deer Haven Golf Club COURSE IS NOW OPEN FOR 2015

Deer Haven loves seniors. Join our morning senior leagues. 9 holes walking just $9.00 or riding just $15.00. Call for details and sign up.

Single is no problem. We can match you up.

Our leagues are for fun not professionals.

Banquet hall available for parties up to 225 Weddings, anniversaries, birthday parties, meetings, funerals.

19180 W Cleveland Ave New Berlin • 262-650-0760 Ask for Jeff www.deerhavengolfclub.us

May 2, 9 am - 2 pm FRIENDS OF HAWS 32ND ANNUAL PET WALK, K9 KARNIVAL

Sussex Village Park

Lots to do for the whole family, contests, prizes, trail challenge, fashion show, concessions and many other activities. For additional information go to www.hawspets.org.

May 3, 3:00 pm Hartford Community Chorus Spring Concert

Schauer Arts & Activities Center 147 N Rural St, Hartford

The chorus performs a wide variety of sacred and secular choral literature, and sharing their love of singing with the listening community through free concerts. FREE (goodwill offering appreciated). For further information, contact the Hartford Recreation Dept. at 262-670-3730.

May 3, 3:00 pm Bach Chamber Choir

Fr. Robert V. Carney Performing Arts Center - Wendy Joy Lindsey Theater, Pius XI High School, 135 N. 76th Street, Milwaukee

The concert will offer choral music starting with the 16th century and spanning the centuries since then, including both sacred and secular pieces, some spiritual, others funny. For advance tickets and more information, call (414) 319-9816 or www.bachchoirmilwaukee.com.

May 3, 10 am - 4 pm Fine Craft and Art Fair

Fernwood Montessori School, 3239 S. Pennsylvania Ave., Bay View.

This fair features unique handmade works of art & gift items, all created by over 40 local artists. Also available: children’s activities, live music, greenhouse tour, henna tattoos, cafe, bake sale auction & amazing energy! Join in celebrating art, education, community & spring! $3 Donation at the door.

May 3, Noon to 7 pm 10th Annual Spring Festival

The Tower (formerly Mr. Miyagi), 6869 W. Forest Home Ave., Milwaukee

Beltane Ritual Begins at 6:00pm This free event is open to all and will feature: vendors, food, fun, maypole, palmistry, tarot, workshops, childrens area.

For more information call Sandra at 414-350-4291 or ravenwolf@wi.rr. com.

May 5, 9:30 - 11 am FREE Adult Health Clinic

Hart Park, 7300 Chestnut Street, Wauwatosa

Public health nurse available to discuss health concerns, advise on resources, and check blood pressure.

For more information, please call the public health nurse at 414-479-8939.

May 6, 8 am - 3 pm Menomonee Falls Farmers Market

North Junior High School parking lot on Main Street.

Vendors offer a variety of produce, home-made bakery, flowers, garden plants, specialty items, and unique arts and crafts. For more information call (262) 251-8797.

May 6, 7 pm VAGABOND SKI & SOCIAL CLUB

WG’s Banquet Center (formerly the Knights of Columbus Hall), 3200 S. 103rd Street, 103rd & Oklahoma Ave.

An active social club for singles and married couples. Meeting and dance; with great music by the Buddy Holly/Neil Diamond Show, $5.00 Admission. www.vagabondskiclub. com.

MAY 2015 • 50PLUS

• 19A

May 7, 7 pm George S. Patton

or with admission to the sculpture garden. For admission prices, memberships or more information visit www.lyndensculpturegarden.org/dog-days.

The recital theme in 2015 is “Be Our Guest” with a Disney oriented theme. For ticket information, call (800) 838-3006.

Historical re-enactor David Wiedenkeller brings to life one of the most successful combat generals in U.S. history, George S. Patton. Open to ages 12 and up. For more information, call 262-782-4140.

May 17, 2 pm Alan Safier plays George Burns

May 30, 8 am - 10 pm May 31, 10 am -4 pm Old Falls Village Days

Brookfield Library, Community Room, 1900 N Calhoun Road, Brookfield

May 10, 9 am - 4:30 pm MOTHER’S DAY AT THE ZOO

10001 W. Bluemound Rd.

All mothers receive free admission, courtesy of Lifeway Foods, and can enjoy all the Zoo has to offer! Lifeway Foods will also offer free samples, while supplies last! Please visit milwaukeezoo.org or 414-771-3040.

May 12, 11:00 am - 1:30 pm Rock-A-Thon

Sussex Village Hall, N64 W23760 Main St, Sussex - front lawn

Enjoy live music, rocking in rocking chairs along Main Street, purchase sweet treats at the bake sale and a cook-out lunch as we celebrate Older Americans’ Month and honor the senior citizens in our community. Live vintage Country music will be played by Jerry & Nora (formerly Dante’s Bop).

Rain date is May 19. For additional information, call 262- 246-5200.

May 14, 11 am “A SPLASH OF SPRING” STYLE SHOW

Golden Mast Restaurant, W349 N5293 Lacy’s Lane, Okauchee

Oconomowoc Memorial Auxiliary is hosting its spring style show with proceeds going to Stillwaters Cancer Support Program and other worthwhile causes. WTMJ-TV weatherman, John Malan, will serve as one of the commentators. For more information and to make reservations, contact Tammy at 262569-0293 or Diane at 262-569-0202. Reservations can also be made and purchased at the OMH Gift Box Boutique.

May 16, 8 am - Noon Waukesha County Household Hazardous Waste Special Collection

Village Public Works Garage 630 Hwy. NN, Mukwonago

Free to any county resident (proof of residency required) Visit www.waukeshacounty.gov/hazardouswaste or call 262-896-8300 for more information.

May 16, noon - 5 pm Dog Days At Lynden

Lynden Sculpture Garden, 2145 W. Brown Deer Rd., Milwaukee

Enjoy a walk among the sculptures at Lynden.

Dogs must be leashed and considerate of other visitors, canine and human. Free to dogs and members

Oconomowoc Arts Center, 641 East Forest Street, Oconomowoc,

Spend a hilarious, heart-warming afternoon in the uplifting company of the world’s favorite and funniest centenarian, George Burns. This solo performance stars, Alan Safier, in “Goodnight Gracie” brings George to life in this tender, funny life-affirming play based on the real love story of George Burns and his wife, Gracie Allen. For additional information, call (262) 560-3172 May 20, 4:30 - 6:30 pm New Berlin Police Department Spaghetti Dinner

Regency New Berlin, 13750 W. National Ave., New Berlin

Enjoy spaghetti & meatballs, salad, bread, spumoni ice cream, coffee and milk for just $8.50. All proceeds benefit the brave men and women of the New Berlin Police Department.

May 23, 8 am - 3 pm RUMMAGE & CRAFT DAZE

Wirth Park, 2585 N. Pilgrim Road, Brookfield

Looking for something specific or for that item you never knew you needed, this is the sale for you!

The Brookfield Jaycees organize this annual fundraiser. For more information about shopping or exhibiting, contact BrookfieldJCRummage@gmail. com MAY 26th, 4pm Ten Chimneys Day Don your finest and join us for a reception in the Lunts’ honor. Tour on Ten Chimneys Day and receive a glass of complimentary champagne.

The State of Wisconsin officially recognizes May 26th of every year as Ten Chimneys Day, paying tribute to the historic significance of Ten Chimneys and the ongoing impact of Ten Chimneys Foundation. The day celebrates the anniversary of the marriage of Alfred Lunt and Lynn Fontanne (1922), the anniversary of Ten Chimneys’ opening to the public as a house museum and national resource for theatre and the arts (2003), and the anniversary of Ten Chimneys’ dedication as a National Historic Landmark (2004).

Old Falls Village, N96W15791 County Line Rd, Menomonee Falls

Flea market on Saturday morning and Classic Car Show on Sunday. Antique Harley-Davidson Motorcycles start a ride through Menomonee Falls and Germantown beginning at noon on Saturday.

Old-fashioned games, music and vendors during the weekend event. Support the Menomonee Falls Historical Society and enjoy family friendly fun. Admission. FREE Parking.

May 30, 9 – 11 am Plant Swap

South Milwaukee Historical Museum, 717 Milwaukee Avenue, South Milwaukee

This is a FREE EVENT and is an excellent opportunity to network with other gardeners. To participate, bring divided or no longer wanted/needed perennials, shrubs, vines, etc from your yard in pots marked with the type of plant & whether it is sun/ part sun/shade. Then swap them out for the same number of different plants! The more variety, the better. The Plant Swap isn’t limited to just plants.

You can bring seeds, bulbs or even garden tools.

Please RSVP to either Patti at 414.768.9549, email pbergeson@wi.rr.com OR Vicki at 414.530.6020, email vmaloney@wi.rr.com. Hosted by the South Milwaukee Historical Society.

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Gifts • Boutique • Décor •Annuals • Perennials •Landscape Materials • Shrubs • Trees

May 29, 6:30 pm May 30, 11 am & 6:30 pm Liberty Dance Center Recital

Hamilton Fine Arts Center, 220 Town Line Rd, Sussex

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20A • 50PLUS • MAY 2015

“Planting Tomorrow’s Dreams Today”

MOVING IN THE RIGHT DIRECTION

Emma asks us to smell the roses

By Brad Olson, CFP

By Bruce Nemovitz

Welcome!

Golly, sake’s alive, it is absolutely great to be experiencing such wonderful weather at this time. Summer does seem to be with us. But I recall a few years back when I wanted to plant rose bushes in spring and was told by the nursery gal to hold off until June. She AGING claimed that the rose bushes needed ISSUES

By Tom really warm ground and thatFrazier we did not have it at that time. Well, to make a long story short and sad, I planted the bushes anyway and, of course, they died. So much for my following instructions.

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lady across the room. I realized right then and there that I would never invite the two of them to my house; in fact, perhaps neither. But I did tell them that they should get off their soap boxes and try to smell the roses (Not, of course, mine that died).

Now, I am not hinting that these two ladies are over the hill mentally or that one or both can’t see the forest because of all the trees in their sight lines. Old age is rather setting in. I suspect that the older people become, the greater they cherish their own opinions and absolutely scorn those of others. Some of this may be because they didn’t think of them first.

I guess this is more than enough about that without even telling you who and or what they were arguing about. Well, I will add this. I do not believe that the mayor is driving that street car to defeat. There, I got that out. Henry may not like my telling you that as he is opposed to the street car. He claims the tavern owners’ potentially intoxicated customers will be among the nighttime riders.

SENIOR

APRON STRINGS

Answer Man

By Aunt Emma

Henry and I argue a bit about politics. Henry says he just cannot figure out why the people in the younger generation generally are quite liberal. I told him it is because they haven’t really had to yet put their oars into waters with heavy waves against them like raising a family, clothing everyone, buying a house, paying taxes, paying the electric and gas bills and moral turpitude may to their present thinking be too high to bother reaching.

Well, before I close today, I do want to inform you that Henry and I sat down and grimly looked at advancing old age. We agreed that it is more a state of mind than much else. While Henry still is working a nice paying job and I am able to keep shifting my gears, we are what we refer to as productive members of this city, county, state and nation, who are more or less privileged to complain about nearly everything.

Yes, how easily we can forget times and trials of our younger days.

IT MAKES ME CRABBY

My Henry says that he’s found that even when advice is incontrovertible that often times I still can’t allow my thinking to be intimidated. Once my mind is made up, I just don’t seem to be able to shift my cogitative gears even knowing such might be the favorable thing to do.

We had quite a bit of up and down conversation at our morning coffee clash; no, I mean klatch. But there were words both rather hateful and others lavish in what I would consider unearned praise as a couple of the ladies sort of took sides with the politicians. They really did verbally lay into each other. Thank goodness that they are not related or even side by side neighbors.

One of the to-be-unnamed ladies was even pointing her finger at the

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MAY 2015 • 50PLUS

NEMOVITZ continued from page 5A well as offer ideas as to what properties would cost if you are going to purchase a home or condo after your sale.

They can offer a plan to time the sale and purchase without a double move, as well as offer honest and trusted contractors for any work needed. We all want to sell ‘as is’ meaning just put the home on the market without major remodeling. That is fine, but then understand that your sale price will be negatively affected if the upgrades are not done and buyers feel there is “too much work needed.” Many of my clients are happy to sell without doing any work because they’ve owned the home for 30-50 years and are satisfied that prices have far exceeded their original purchase price. But for most

of you reading this article, the equity you receive when selling is critical to your next move and your retirement.

Say hello to the millennial generation because they are going to be your

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Bruce Nemovitz is a Senior Real Estate Specialist, as well as Certi-

• 21A

fied Senior Advisor. Bruce has sold residential homes in the four county Milwaukee-Metro areas for 35 years.

He works with his wife Jeanne at Realty Executives Integrity. Visit www. brucesteam.com or call 262-242-6177 with any real estate questions

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©2015 Senior CompuCare • All Rights Reserved • Offer subject to change.

• •

22A • 50PLUS • MAY 2015 OLSON continued from page 6A will provide income riders to guarantee cash flow in retirement. Whatever you do, make sure you or your financial advisor have addressed this concern.

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.

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 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 Source: Asset Allocation and the Transition to Income, Milevsky & Salisbury, September 2006

50 Plus News Magazine

SERVICES OFFERED CA$H PAID • TOP PRICES Autos • Trucks • Vans

Top Cash Paid!!

If you don’t wear it. . . .

We buy it.

Running OR Not Serving 4 County Area

• Antique Jewelry • Pocket & Wrist Watches • Plastic Pins • Costume Jewelry • Diamonds • Scrap Gold • Cameo’s • Rhinestones • Stick Pins • Estate Jewelry • Cufflinks

Prompt Courteous Service FREE Pickup 7 days/wk Tow/Flat Bed Sevice

Call Don

414-305-3341

Look through your jewelry today.

414-546-1818

Wanted to Buy

Antiques & Collectibles

$Q\WKLQJ ROG IURP DWWLF WR EDVHPHQW 2OG DGYHUWLVLQJ VLJQV LQFOXGLQJ DXWRPRWLYH JDV VWDWLRQ VLJQV FORFNV WKHUPRPHWHUV 2OG WR\V WLQ VWHHO FDUV WUXFNV WUDLQV 2OG ZRRGZRUNLQJ WRROV 6WDQOH\ 3ODQHV 2OG FURFNV FRIIHH JULQGHUV NLWFKHQ LWHPV &DVK SDLG SOHDVH

Call Frank 262-251-6545

WILL PAY CASH FOR ‘AS IS’ HOUSES We specialize in estate homes WILL buy any condition WILL return your call same day WILL close within 7 days

Call or Text Nick at 414.336.6677

WE BUY

A single space can be purchased for as little as $43 per month or double $86 per month.

Call Saran Piehl, 262-367-5303 EXT. 12

Entire Estates Old Toys Bronze Statues Cameras Advertising Pottery Glass

United Seniors of Wisconsin

Play Bingo Every Day! Doors Open at 7:30 am & 4:30 pm Morning Sessions: 9:30 & 11:00 am Evening Sessions: 6:30 & 8:00 pm

U P TO $2500 IN P RIZE S !!!

414-321-0220

4515 W. Forest Home Ave. Greenfield www.unitedseniorsofwisconsin.org

Fishing Hunting Swords/Knives Silverware Gold Jewelry

414•416•3431

WE BUY

Watches Coins Old Photos Paintings Military All Antiques

9955 W. Forest Home Ave. • Hales Corners, WI 53130

www.milwaukeeantiquedealer.com

Senior Handyman Licensed, insured, needs work, carpentry, porches, siding, kitchen, bath, rec-rooms, vinyl replacement windows, doors, glass block, drain cleaning, electrical, gutters, tiling, painting, staining, reasonable, reliable, no job too small, senior/veterans discounts.

262-784-7940

MAY 2015 • 50PLUS

• 23A

We Saw You At… The Annual Sports Show

By Margaret Pearson

It’s been tabulated that the Milwaukee Journal-Sentinel Sports Show is the third largest annual event in Wisconsin, behind only the State Fair and Summerfest in attendance. This year’s Show was the 75th and featured more than 360 exhibitors. A few of those who attended were: Chris Jamrozy of Menomonee Falls.

Bethany Mondrawickut and Lisa Thomas of Kenosha.

Bob Singler (an exhibitor) of Shiocton, Wisconsin, and Peggy Cotter of Milwaukee.

Jerry Briace and Jeff Gnas of New Berlin and Glenn Hetzer of Greenfield.

Donna and Jerry Duncan of Lake Geneva.

Tom and Kathy Hoppe of South Milwaukee.

Sharon Klein of Waukesha and Chris Weiss of West Allis with Rommel, a sad-eyed black lab.

IT’S YOUR CALL! IT’S YOUR CALL!

24A • 50PLUS • MAY 2015

Enjoy phone conversations confident you’ll catch every word! ® Captioned Telephones captions of CapTelconversations Enjoy phone confident show you’ll you catch every word! ® caller says.

Captionedyour Telephones show you captions of CapTeleverything everything your caller says.

• Includes built-in answering machine • Extra • Includes large display screen with built-in answering machine • Extra large variable fontscreen sizes &with colors display • Includes free&captioning service variable font sizes colors (nofree monthly fees or contracts • Includes captioning servicerequired) (no monthly fees or contracts required)

www.CapTel.com 1-800-233-9130 Captioned Telephone www.CapTel.com 1-800-233-9130 Captioned Telephone

CAPTIONED TELEPHONES THAT FIT YOUR LIFESTYLE. CAPTIONED TELEPHONES THAT FIT YOUR LIFESTYLE. NEW! CapTel 2400i NEW! The latest CapTel 2400i addition to the The latest CapTel line of addition to the telephones CapTel line of telephones

CapTel is a registered trademark of Ultratec.

CapTel is a registered trademark of Ultratec.

SECTION B • May 2015

INDEPENDENT

RETIREMENT C OMMUNIT Y DIRECTORY Whats INSIDE . . . . . .

Independent & Retirement Directory. . . . . .2B-13B View over 20 retirement communities. . .12B-13B

EDITORIALS

The New Elder Corps. . . . . . . . . . . . . . . . . . . . . . . . . . 9B Do avoid deep vein thrombosis . . . . . . . . . . . . . . 14B

BREEZEWOOD VILLAGE 450 Sunnyslope Dr., Hartland Contact Person: Cathrine

262-367-2868 Breezewood-village.com

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BROOKFIELD HIGHLANDS 20825 George Hunt Circle, 3 Brookfield Contact Person: Trish Driver 262-798-9898

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Quiet-Residential. Your rent includes underground parking & laundry.

Other amenities: transportation for shopping, salon, chapel, country store and many activities & wellness programs.

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www.beckerpropertyservices.com CENTENNIAL SENIOR APARTMENTS

400 E. Centennial Dr., Oak Creek Contact Person: Teri Zeise 414-762-7762 www.wimmercommunities.com

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HighlandsCommunities.com Spacious, remodeled one and two bedroom apartments, no entrance or endowment fee. Fireside Community Room, Guest suite, Hair Salon, Garden, Social activities and more!

Tenants pay 30% of income for rent.

Gas heat and hot water included.

On-site management. Building also includes community room. Cable TV available, but not included.

City setting.

BURNHAM VILLAGE

5202 W. Burnham Street, West Milwaukee Contact Person: Ken Becker 262-240-9406

Breezewood Village is located in a park-like setting with a meal site next door. Aim to create a community catered to the rights and comfort of those who call it home.

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 May 31, 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

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CLEMENT MANOR

9405 W. Howard Ave. Greenfield 414-546-7000 clementmanor.com

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COTTONWOOD TRAILS APARTMENTS

4600 S. Nicholson Avenue, Cudahy 414-483-9969 Contact Person: Andrea

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FORESTHILL HIGHLANDS 8930 West Highland Park Ave., 3 Franklin Contact Person: Lori Woodie 414-425-6611

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GONZAGA VILLAGE 1415 S. 92nd St., West Allis 3 Contact Person: Ken Becker 262-240-9406 www.beckerpropertyservices.com

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Cottonwood@bearproperty.com Cottonwood Trails is located in a quiet-residential community setting and also has a beauty shop, library, podiatrist, community room with social activities, elevator and massages are available.

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HighlandsCommunities.com Spacious one and two bedroom apartments and townhomes.

No entrance or endowment fee.

Fireside Community Room, Hair Salon, Library, Social Activities and more!

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www.WimmerCommunities.com Quiet-residential community. Senior & Assisted Living, dining, in-house MD clinic, transportation to shopping & activities, bank, fitness center, chapel, store, beauty salon, computer center, bank.

FOREST RIDGE, A WIMMER SENIOR COMMUNITY

11077 W. Forest Home Ave., Hales Corners Contact Person: Mary Zurowski 414-425-1148

Fatih-based continuum of care sponsored by the School Sisters of St. Francis. Offering lifelong learning and individualized wellness plans. Quiet-Residential setting.

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Tenants pay 30% of income for rent. Gas heat and hot water included. On-site management.

Building also includes community room. Cable TV available, but not included. City setting.

DON’T MISS IT!

50 Plus Fest & Retirement Show May 7 at Waukesha County Expo Center DistinguisheD inDepenDent living in a continuum of care setting

Lake Terrace Apartments on beautiful Lac La Belle now has apartments available

A lake at your doorstep. A private clubhouse for dining and activities.

Friends to meet and frontiers to explore.

Lake Terrace has:

• Library, billiards, game room, art studio, • Wellness clinic and fitness center woodworking shop • 24-hour secured building • Access to the Center for Life Enrichment • Underground heated parking and public Café LaBelle • Housecleaning • Priority admission to Shorehaven and • Transportation Shorehaven Tower

Lake Terrace Apartments, part of the Shorehaven Campus, at 1380 W. Wisconsin Ave., Oconomowoc

262-560-6919 or go to www.shorehavenliving.org to learn more.

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4B • 50PLUS • MAY 2015

GREENBROOK

4955 S. Greenbrook Terrace Contact Person: Chris & Lexy 3 414-282-5044 www.greenbrookterrace.com

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greenbrookterrace@yahoo.com HERITAGE LAKE APARTMENTS 5020 South 55th Street, Greenfield Contact Person: Cathy 414-282-0506 HIGHLANDS AT RIVERWALK

10954 N. Cedarburg Rd., Mequon 262-243-8888

HIGHLANDS AT WILDWOOD LAKE N77 W17700 Lake Park Dr., Menomonee Falls Contact Person: Kelly Duncan 262-251-9999

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Greenbrook is located in a park-like setting.Tenant’s rent is 30% of their income. We offer a community room, on site hair salon, garden plot and more... We are located in a park like setting but close to shopping.

Heritage Lake Apartments are located in a park-like setting.

Hospitality Suite available.

Small pets.

www.HighlandsCommunities.com

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Phase 2 Opening Summer 2015 Kitchens w/granite countertops, stainless steel appliances and plank flooring. Guest Suite, Theater, Social Activities and more!

HighlandsCommunities.com Spacious one and two bedroom apartments. No entrance or endowment fee. Fireside Community Room, Guest Suite, Hair Salon, Theater, Social Activities and more!

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LAKE TERRACE APARTMENTS

1380 W. Wisconsin Ave., Oconomowoc 262-567-8341 Contact Person: Lisa Recht, Housing Manager

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HighlandsCommunities.com Spacious one and two bedroom apartments and townhomes, no entrance or endowment fee. Fireside Community Room, Walking Path, Library Social Activities and more!

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www.RegencySeniorCommunities.com Situated on a 23-acre conservancy, (park-like setting) offers a range of health and lifestyle activities. Nine different floor plans, scheduled transportation and an optional Dining Program make Regency a great place to live!

PARKWOOD HIGHLANDS

13800 Park Central Blvd., New Berlin Contact Person: Julie Mattes 262-821-5106

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REGENCY BROOKFIELD,

SENIOR LIVING COMMUNITY

Contact Person: Terry Sommers 3 262-780-0321 777 N. Brookfield Road, Brookfield

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www.RegencySeniorCommunities.com

REGENCY MUSKEGO SENIOR LIVING COMMUNITY

Contact Person: Judy Sorce 262-679-0888 W181 S8540 Lodge Blvd., Muskego

www.shorehavenliving.org Lake Terrace is located in a quiet-residential and park-like setting.

Gracious independent living on the shores of Lac La Belle. Private Clubhouse, library, woodworking shop, art studio, game room and wellness clinic. Six floor plans to choose from.

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55-plus community with a country club atmosphere on 32-acre natural wildlife paradise with private lake. On-site medical clinic and minutes from restaurants, shops, and conveniences.

Have It All at Clement Manor!

TAKE A TOUR OF OUR INDEPENDENT APARTMENTS

And Discover All That Clement Manor Has To Offer!

YOUR NEW LIFESTYLE IS WAITING FOR YOU! • Safe, secure facility • Fascinating neighbors • Opportunities to stay fit in mind, body and spirit • Amazing amenities

Burnham Village

Gonzaga Village Sunset Heights West Allis

Waukesha

Cifaldi Square

Oak West

Valentino Square

West Milwaukee Cudahy

West Allis

West Allis

For more than 30 years, Clement Manor has been providing a continuum of care: • Adult Day Services • Transitional Care • Independent and Assisted Living • Memory Care • Long-Term Care • Lifelong Learning

Call us today to learn more and to schedule a tour. Contact Kim at 414.546.7000 or info@clementmanor.com.

COME SEE HOW WE ENRICH LIVES EVERY DAY!

Sponsored by the School Sisters of St. Francis

9405 W. Howard Ave. • Greenfield, Wis. 414.546.7000 • clementmanor.com

Rents start at $679

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

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REGENCY NEW BERLIN SENIOR LIVING COMMUNITY

Contact Person: Stacey Cheney 262-789-1699 13750 W. National Ave., New Berlin

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www.RegencySeniorCommunities.com Located in the city with a park-like setting, offers expansive recreational and leisure programming, chef-prepared dining, health/fitness classes, a computer lab, a sports pub and gaming room, along with select health and housekeeping services.

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(62+) community located in a park-like setting with many areas to enjoy the abundance of surrounding wildlife, while still enjoying the convenience of walking to shopping & other local businesses.

RIDGEDALE APARTMENTS

7740 West Grange Ave., Greendale, WI 53129

Contact Person: Sarah Timmerman

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414-421-9314

REILLY JOSEPH COMPANY Milwaukee, Wauwatosa, Butler, Racine 414-271-4116

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RIVERSHORES REGENCY LLC

555 Veterans Ave., West Bend 3 262-483-9150 Contact Person: Dave SAINT JOHN’S ON THE LAKE 1800 N Prospect Ave, Milwaukee 3 Contact Person: Beth Chancellor 414-831-7300 www.saintjohnsmilw.org SAN CAMILLO 10200 W. Blue Mound Rd. Wauwatosa, WI 53226 Contact Person: Catrina Keane 414-259-6310 www.stcam.com SILVERNAIL SENIOR APARTMENTS 2451 Silvernail Rd., Pewaukee Contact Person: Lisa Lechner 262-896-2100 www.wimmercommunitiies.com

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THE REGENCY 200 Southtowne Dr., South Milwaukee Contact Person: Ruby Thiel 414-764-5335

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Quiet residential setting. Your rent includes underground parking & laundry. Other amenities: transportation for shopping, salon, chapel, on-site bank, country store & many activities & wellness programs.

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Enjoy three galleries, two restaurants, spectacular lake views, terrific library and over 200 interesting stimulating events each month. Urban carefree living at its finest.

San Camillo is located across the street from the Milwaukee County Zoo in a quiet-residential city setting. Residents have the security of continuum of care St. Camillus offers.

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STEEPLE VIEW 12455 W. Janesville Rd., Muskego Contact Person: Ron Spear 414-525-5500 www.steepleview.org

www.RiverShoresRegency.com Rivershores Regency is in a quietresidential setting. Beautiful community room, w/full kitchen and planned activities, laundry in each unit, salon, library, game room, 2br/2 bath available.

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Several different locations in quiet, residential city settings. Affordable 1-BR for 62+. Rent based on 30% of gross income. Laundry & on-site management. Ask about immediate openings.

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On site chapel, beauty/ barbershop, bank, car wash, all appliances included, heated underground parking, building security.

The Regency is located in a park-like setting. Hospitality Suite available.

MAY 2015 • 50PLUS

Thanks for reading

50 Plus News Magazine

Affordable Housing for 62+!

(Pay only 30% in gross income in rent)

ONE-BEDROOM APARTMENTS LOCATED IN Milwaukee • Wauwatosa • Butler • Racine

CALL TODAY

REILLY-JOSEPH COMPANY for an application

414-271-4116

Hurry and ask about immediate openings

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.

Tudor Oaks Resident

Tudor Oaks

Retirement Community

Senior Living Designed by You! • Independent Living

Luxury apartments with attached heated garages

• Assisted Living Brand New Wing is Open

• Skilled Nursing 24/7 Quality Care

• Rehab Stays

Private Rooms, 40-inch TVs & WiFi

• Memory Care

Private apartment with private bathroom

• Respite

Private Room, up to 28-day stay

Call for a tour

414-525-6500

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

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

www.lowincomerentalsmilwaukee.com

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THOMPSON MEADOWS

3120 E. Norwich Ave. St. Francis, WI 53235 3 Contact Person: Sheila Crabb 414-769-9240

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Quiet-residential setting.

Community room, library, game room, garden area, 24 hour maintenance, elevator, resident activities.

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Tudoroaks.net Quiet-residential, country and park-like setting on 110 acres. Art gallery, bistro, theater, Laurel Pine gym, green house, gardens, man cave, fishing, and walking trails, golf carts, lake, bus and car transportation also available.

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TUDOR OAKS RETIREMENT COMMUNITY

S77 W12929 McShane Dr., Muskego Contact Person: Judy Radish 414-525-6500 VILLAS AT THE STATION 8935 S. Wood Creek Dr. Oak Creek, WI 53154 Contact Person: Ronald Christman 414-788-0242

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Cats allowed.

Villas at the Station is located in a quiet-residential setting.

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On-site senior center, medical clinic, rehab center, chapel, bank, beauty shop/barber, transportation, wellness center, library, emergency response system, on-site store, and gardening.

Quiet-residential city setting.

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Activity room, bank, beauty shop & barber, on-site senior center, emergency response, library, on-site store, medical clinic, rehab center, chapel, transportation, wellness center, housekeeping. Quite-residential park-like setting.

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HighlandsCommunities.com Spacious one and two bedroom apartments and townhomes, no entrance or endowment fee. Fireside Community Room, Library, Hair Salon, Social Activities and more!

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VMP MANOR PARK WESLEY PARK

8621 W. Beloit Road, Milwaukee 3 Contact Person: Tamara 414-607-4322 www.vmpcares.com

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VMP TRINITY

7300 W. Dean Road, Milwaukee Contact Person: Peggy 414-371-7316 www.vmpcares.com

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WILDWOOD HIGHLANDS

N78 W17445 Wildwood Dr., Menomonee Falls Contact Person: Joyce Block 262-251-9000 HighlandsCommunities.com

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Independent Living

UTILITIES INCLUDED! (Heat, A/C, water, electricity) Rental deposit required. No entrance fee or endowment!

Limited 1-bedroom units starting at $920

Studios starting at 585 Alcoves starting at $620 $

Spring Apartment Sale

500 off

$

TWO month’s rent for studio or 1-bedroom

Discount only available with this coupon.

8621 W. Beloit Rd. West Allis, WI 53227

7300 W. Dean Rd. Milwaukee, WI 53223

Tamara.Spredemann@vmp.org

Peggy.Savatski@vmp.org

(414) 607-4322

(414) 371-7316

Expires 6/30/15

VMPcares.com

MAY 2015 • 50PLUS

• 9B

Elder-corps is launched: The wise advise; The young evolve

BY MARILYNN PRESTON I’ve always been a sucker for ancient wisdom.

“All that we are is a result of what we have thought,” Buddha says.

“The only true wisdom is in knowing you know nothing,” Socrates declares.

“This above all,” Shakespeare insists, “to thine own self be true.”

My own true self is happy to announce something new in the world of ancient wisdom, a 21st-century generation of wise women and men who’ve been brought together -- online, on video -- to advise and guide us to live healthier, happier, stronger, longer, juicier lives.

They call themselves the Elder-Corps, a virtual, global, evolving movement of concerned humans who want to wake up the world to the wisdom of elders.

Why? Because the second half of life can be joyful and productive. Because it’s never too late to live the life you were born to discover. Because the planet’s in peril, and young and old still have a great opportunity to coop-

erate and thrive, rather than blame and destroy.

So on April 2, 2015, the Elder-Corps officially launched with a two-week Global Digital Summit, (www.TheWisdomSummit.com) that includes daily teachings from famous brains with big hearts and best-selling books: Jean Houston on answering the call to transform yourself and the world. Don Miguel Ruiz on mentoring wise students. Marianne Williamson on the role of consciousness in politics. Ken Wilber on understanding how the human mind thinks. Joan Borysenko on stress, spirituality and the Mind/Body connection. John Gray on staying focused in a world of hyper distraction. Caroline Myss on the divine energy of a giving heart. And at least 20 more ...

“We call them Wisdom Keepers because they’ve earned the title,” says George Cappannelli, a co-founder of Elder-Corps and Age Nation, along with his wife and writing partner, Sedena Cappannelli.

“Our mission is to engage, inspire, inform and find solutions for people in the second half of life. We also want

A Better View On Life

to build bridges of understanding to younger generations,” George explains. Aging should be honored, not feared, so that Boomers, Millennials and Generation X’ers work side by side for happier lives and a healthier planet.

“If you want to go fast, go alone,” George likes to say, honoring an ancient Native American teaching, “If you want to go far, go together.”

The other founding partners in the launch of the Elder-Corps sound like something out of a Harry Potter novel -- Ubiquity University, The Wisdom School, Panacea Community. All these organizations can be explored online and are run by evolved, compassionate women and men with profound experience and long standing credentials in the Serving Humanity community.

“The Boomer Generation is entering the final phase of their life, “ says another co-founder, Dr. Jim Garrison, president of Ubiquity University.

“We see unprecedented global challenges ahead,” he explains, and we owe it to ourselves and to the planet to mentor and partner with emerging generations.

“Young people are hungry for direction and mentoring,” says Judith Yost, another co-founder, dean of students at the Wisdom School. There’s a huge gap among the generations, and Yost believes Elder-Corps has tremendous potential to close these.

Potential is the key word here. The Elder-Corps is a movement waiting to happen. It has fantastic information to share and a dynamite list of wisdom teachers, but after the first couple of weeks, it’s not free, and no matter how well-intentioned, its success is not guaranteed.

What is guaranteed -- 100 percent for sure -- is the power of individual elders to think wisely, speak truthfully and create change in the world. But only if other humans are willing to listen, to learn, to grow.

“This isn’t something where we’re just talking to you,” says Will Taegel, dean of the Wisdom School for Graduate Studies, and yes, a co-founder of Elder-Corps. “We are inviting people all over the world into a deep conversation with us.”

TWO BEAUTIFUL COMMUNITIES IN TWO IDEAL LOCATIONS!

Exceptional Senior Living for those 55 & better!

Comfortable Lifestyle 1 & 2 Bedroom Options!

Included In Rent

• Weekly TransportationShopping • Underground Parking • No Cost Laundry Wonderful Amenities On-Site:

Lifestyle. Location. Life Care.

Saint John’s is Milwaukee’s only east side senior living community to offer true Life Care. Call us at 414-831-7300, or visit our web site at www.SaintJohnsMilw.org to learn how a Life Care Contract can give you and your family peace of mind while protecting your valuable nancial resources.

• Salon • Country Store • Fitness Room • Wellness • Craft Center Program • Entertainment • Socials • Pet Friendly • Smoke-free!

• Chapel

Just One of Many Activities!

Wii Bowling Stay Active!

See Silvernail for Move-In Specials!

10B • 50PLUS • MAY 2015

About May Almost any day is great in May. Out to play are Tom, Dick and Fay.

You almost can watch the grass grow.

No, it is not too early for it to mow.

Tree limbs everywhere are blossoming out.

Environmentally, it is worth a shout.

Farmers now in fields are very busy.

Thoughts of plowing, planting make us dizzy.

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...

HERITAGE LAKE

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

THE REGENCY

Locally, cash crops mostly are beans and corn.

Come fall, full bank accounts will be the norm.

Spring sports tend to keep active kids at play.

While farm youth busily cut the early hay.

Mothers are to be honored on their day.

Let’s really treat mom. What do you say?

School time draws nearer to its close.

Lazy kids are said to dream and doze.

Yard workers are busy as time does progress.

They clip, rake, taking away winter’s mess.

So why not this month really enjoy?

Remember to put in the sand box at least a toy.

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

Happy Mother’s Day

MAY 2015 • 50PLUS

• 11B

Cottonwood Trails Apartments 4600 S. Nicholson Ave, Cudahy, WI

Cottonwood Trails First Apartments is a month free senior complex with 1 year which offers income lease eligible 1 & 2 bedroom units for adults 55 plus.

This is a non-smoking environment with heated underground parking, elevator service, laundry rooms on each floor, controlled entry access with private intercom, and a community room for social activities. Heat and water are included in the rent.

Please contact Andrea at

414-483-9969 to schedule a showing.

Experience Regency Senior Communities

For When You Want More Visit our website for information on all of our programs and events—and call now to schedule your private tour.

All specials are subject to change.

cottonwood@bearproperty.com

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

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

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

12B • 50PLUS • MAY 2015

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SAN CAMILLO

MAY 2015 • 50PLUS

• 13B

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EDITORIALS

14B • 50PLUS • MAY 2015

Road trip and air travel tips to avoid deep vein thrombosis MONEY SENSE

ATE CAPITOL COMMENT

By Karen Ellenbecker & Julie Ellenbecker -Lipsky

HOW TO AVOID DEEP VEIN THROMBOSIS ON LONG FLIGHTS AND ROAD TRIPS. One of the most important trip tips for seniors to remember is to keep moving when traveling oni long flights Financial Fi lW Wellness ll Tomorrow’s or road trips, in order“Planting to avoid deep Dreams Today” VING IN THE vein thrombosis (DVT)

By Brad and Olson, related CFP T DIRECTION uce Nemovitzproblems. This is one of many travel IS DVT COMMON? health risks, and it can sneak up on This is not an isolated incident; you if you forget to just make a few about 600,000 Americans suffer deep adjustmentsEmma in your APRON body position vein thrombosis STRINGS Answer Man(DVT) every year, while traveling.

By Aunt Emma with about a one percent death rate.

This means about 6000 deaths that WHAT CAUSES DVT? AGING The problems arise when old- might have been preventable. Exercise ISSUES is a main deterrent to DVT incidencTom Frazier er persons, in particular, maintain a stationary position, such as sitting es. Staying active, especially in senior for long hours during a flight or road years, is an excellent way to help avoid trip. This problem occurs when a clot DVT. Travel health risks of a DVT ocforms in the leg veins or upper extrem- currence can be elevated purely due to ities, and it blocks the flow of blood to the long periods of inactivity that happen while you are in transit.

PLANTING the heart. According to WebMD.com,

Matt Pommer

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IT MAKES ME CRABBY HERMAN WHITE WRITES

OMORROW’S EAMS TODAYthis also can cause damage to one-way Brad Olson valves found in the veins. When a clot

later breaks free, it can travel to the lungs or other major organs and cause problems including death.

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HOW TO AVOID DVT ON TRIPS Trip tips to help you avoid deep vein thrombosis include making sure that you do some type of preventive

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activity, such as stretching, walking and staying hydrated with sufficient liquids. While traveling by car, make frequent rest stops, perhaps as often as every 2 hours, to walk around a bit and stretch your legs, to keep the blood flowing smoothly. If you cannot get out of the car or are sitting for more than a 4 hour trip by aircraft, stretch in your seat location. Lift toes up and down, move your feet and lower legs up and down, and stretch out as much as you possibly can. Stand up and sit down occasionally, and change your positions. If you have a leg rest, be sure to move to a sitting position from time to time, and then resume your rest if you are tired or bored. Learn about passive stretching exercise, called Isometric exercises, where, for example, you might stand in a doorway and push hard against the doorframe.

LIVE A HEALTHY LIFESTYLE Other trip tips that also apply to building a healthy lifestyle for seniors include keeping your weight down by eating a healthy diet, and avoiding smoking or quitting that habit entirely. Get regular medical checkups that

include regulation of your blood pressure to optimum levels. A family history of blood-clot problems can also be a sign that you should watch for this potentially deadly problem.

In some situations, such as when a person is bedridden, devices can be used to simulate movement and exercise. A sleeve-like device that applies compression and release on the feet, for example, is used immediately following hip replacement surgery when the patient is in early recovery and bedridden. Sometimes pain medications are also prescribed to enable a person to move around more easily.

For traveling, try wearing compression stockings, but avoid tight fitting socks, crossing legs or otherwise restricting blood flow in the legs and feet.

Enjoy your travel and fun in retirement and during early senior years, but do it in a safer manner by paying attention to small things like inactivity during road trips or air travel. A step in time can save a lot more than you can imagine; your future health can be improved by movement.

Content Provided by Spot55.com

MAY 2015 • 50PLUS

50 fest &

24th Annual

PLUS retirement show

MAY 7TH

9 a.m. - 2 p

.m.

Waukesha E xpo Center Exhibitors, P rizes, & Entertainme nt!

2015 Exhibitors

AARP Wisconsin Active Health Chiropractic, LLC Advantage Home Care/Health Markets Insurance Alliance ENT & Hearing Center American Republic Insurance Services Anthem BCBS of WI Attorney Jane L. Walker Badger Bus Tours Bath Fitter

By Your Side Care Management LLC Callen Camping World of Madison Captel - Captioned Telephone Champion Windows & Sunrooms ComForCare Home Care Connect Hearing COSTCO Wholesale Country Travel Discoveries designXchange Disability Rights Wisconsin Elderwerks Enlivant/Menomonee Place EverDry Waterproofing Fairhaven Senior Services Falls Patio Players Florentine Opera Company Gentiva Home Health & Hospice Great Day Improvements, LLC Guardian Home Improvements HCR ManorCare/Heartland Highlands Communities

Humana Independence First Mobility Store Interfaith Older Adult Programs Interfaith Waukesha Koala Center for Sleep Disorders Krause Funeral Home Lake Country Landing Assisted Living & Rehabilitation Lamers Tour & Travel LeafFilter North of Wisconsin, Inc. Milwaukee County Department of Family Care Milwaukee County Dept. on Aging Milwaukee Symphony Orchestra Oak Tree Financial Services, LLC Oasis Senior Advisors Peace of Mind Physicians Mutual Medicare Supplements Potawatomi Hotel & Casino Prairie Home Cemetery ResCare Home Care RM Communication Products St. Camillus Steeple View The Silvernail - Wimmer Brothers VMP Waddell & Reed Waukesha County Dept. on Aging/ADRC Waukesha County Technical College Waukesha County Veterans WPS Health Insurance Show Sponsors: 50 Plus, Alliance ENT & Hearing, Oak Tree Financial Services, LLC, and VMP

Waukesha County’s largest indoor event for older adults!

• 15B

16B • 50PLUS • MAY 2015

50 fest &

24th Annual

PLUS retirement show

at 1000 Northview Road • Waukesha

May 7, 2015 • 9 a.m. - 2 p.m.

All

SPEAKERS Brad Olson

Senior Resource Fair | Health Screenings Oak Tree Financial Alliance ENT & Exhibitors | Entertainment FREE Hearing Center Food | FREE Admission ENTERTAINMENT Robin Adkins | Ambassadors of Harmony | JK-Lee Taekwondo Demonstration Apple Jam Band | Spring Style Show sponsored by VMP Lunch Available for Purchase n monstratio e D f l o G

• Safety Demonstration • Fishing D emonst ration

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REHABILITATIO P •o hysical

ccuPa

We’ll help you regain mob quality of life so you can

Call for informat

Sponsored By: We accept Medicare and most insurances.

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Senior Care

(414) 60 8615 W. Beloit Road West allis, Wi 53227

VMPcare