Next (2009) - Resource Guide to Retirement

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2009

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• Affordable Rents • Quality Construction • Elegant finishing Touches • Spacious, Distinctive One and Two Bedrooms THESE APARTMENTS ARE RENTING FAST.

DON’T MISS OUT!

Burlington - Francis Meadows: (262) 763-1700

Franklin - Clare Meadows: (414) 421-8499

Cudahy - Cottonwood Trails: (414) 483-9969

Greenfield - White Oaks: (414) 282-1188

Delafield - Hillside Woods: (262) 646-4800

Menomonee Falls - North Hills Alta Mira: (262) 253-0770

Milwaukee - Southeast: Clare Heights: (414) 744-2510 - Northwest: Granville Heights: (414) 357-6740

www.horizonseniorhousing.com

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Re-wiring the Phase of Life

W

is produced by Plus Publications, publisher of 50 Plus News Magazine, Wisconsin Woman Magazine & Milwaukee Family Magazine

2009

For more information about this publication or to be included in future issues, please contact at 262-367-5303

hen you hear the word “retirement,” what comes to your mind?

Today, retirement continues to become as active and vibrant as the seniors that are a part of it. With their immense talents and time, retirees are finding retirement to be exciting and full of opportunities. As they move into the “NEXT” phase of their lives, they are finding the time to reinvent who they are through their work, play, volunteering, education and self-renewal. They are finding their spiritual paths and reconnecting with their passions.

Whatever they choose to do in this “NEXT” phase of their lives, there will be some planning involved. Careful consideration should be given to finances, housing and health care. If you have all of those things in order, which many do not, plan for a goal you would like to make a reality. Maybe this is the time to get that advanced degree, start a new career, become more socially active or develop a hobby you’ve always wanted to try.

Maybe this is the time to travel?

Basically, retirement is a time to invest in the future. In her book Looking Forward: An Optimist’s Guide to Retirement, Ellen Freudenheim writes that the book is “dedicated to the proposition that the ultimate twenty or thirty years of life can be ‘the best of all possible worlds.’ Because there are so many myths and wrong-headed notions about the ‘retirement years,’ that’s almost a radical proposition.”

Freudenheim goes on to suggest there are a myriad of opportunities, tips and resources available to today’s seniors. “Your ‘retirement’ promises to be as different from your father’s era as your laptop is from his Corona typewriter. For boomers and their older sibs, now 60-somethings, the ‘retirement years’ won’t be an uninterrupted period of time in the rocking chair.

(They) will be a complex patchwork of different stages and activities . . .”

Some retirees may chose to continue working full- or parttime. Others may chose to freelance or do consulting work.

Many will chose to volunteer in the areas that match their interests and concerns, such as art and culture, their community, education, the environment and outdoors, health care, the homeless and hunger tasks force, politics, criminal justice, the zoo or pets and wildlife. Some will continue learning through education classes and workshops. Still others will simply enjoy the time the can spend having fun, reading, spending time with family, etc.

More and more retirees are learning that retirement is anything they want it to be. Retirement is not an end—it is the beginning of the “NEXT” stage of their lives.

P.O. Box 230, Hartland, WI 53029 Copyright 2006 by Eastern Wisconsin News and Views All rights reserved

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Choosing the Right Medicare Advantage PlanNot Quite as Hard as It Seems!

Medicare Advantage plans – technically know as Medicare Part C – are an increasingly popular choice for many Medicare-eligible individuals. In fact, today more than one out of every four Wisconsinites is now a member of one of these plans and nearly 11 million across the country. And despite the rhetoric in the news today, Congress has made NO program changes this year that affect Medicare Advantage plans in 2010.

Congress developed Medicare Advantage to provide additional choices in healthcare coverage for Medicare-eligibles. The plans are developed by private insurance companies through a contract with the federal government and frequently provide more benefits than traditional Medicare, sometimes without having to pay any additional premium.

There are certainly lots of plans to choose from! So how do you decide which plan is right for you? Here’s a quick checklist of items to consider.

Wisconsin counties to have networks available for enrollees. Coupled with reimbursement reductions for 2010, you will find that there are far fewer PFFS plans to pick from during this Annual Election period.

Finally, Special Needs Plans are designed for specific groups of individuals – such as people with debilitating chronic conditions or both Medicare and Medicaid – and their benefits are structured to provide better coverage for their special needs.

Do you want to pay a premium?

Many plans have low or even no additional premium (you will have to continue to pay your Part B premium). As a general “rule of thumb”, the more you pay in premium the lower your cost sharing will be if you access care. Do the math and see if paying a lot of premium is justified by the typical cost sharing you would experience with the plan. Pay $150 per month in premium or pay $20 a month when you go to the doctor’s office. Your choice.

What type of plan do you want?

There are three major types of plans: Network-based, non-network based and special needs plans.

Network-based plans – as their name implies – have a network of physicians, hospitals and healthcare providers you are required to use for your medical needs.

This category includes HMO, POS and PPO plans. One difference is that POS and PPO plans provide coverage for services from providers outside of the network this option gives you more choice and may provide more flexibility if you travel regularly.

Non-network plans – known as Private Fee For Service (PFFS) plans – allow you to obtain services from any provider willing to accept payment from the insurance company. These plans provide maximum flexibility in provider choice, but also don’t offer any guarantees regarding access.

Important note: Congress did pass legislation in 2008 that will require PFFS in most

4 | NEXT 2009

Do you want a plan that includes the Part D prescription drug benefit?

Many companies offer plans both with and without prescription drugs and only PFFS plans let you pick a drug plan separate from your medical plan, In any case, make sure you have access to affordable medications. You might not take any medications today, but your needs can change very quickly and you don’t want to be left without coverage.

Does the plan have an overall out-of-pocket maximum to provide financial protection?

Make sure the major cost sharing items – hospital, nursing home, outpatient surgery – count towards the annual out-ofpocket maximum. A good Medicare Advantage plan should protect you financially as well.

What kind of extra benefits do you get with the plan?

Many plans cover additional items like eyewear, hearing aids, fitness club memberships, disease management and clinical support services. Are you looking for these benefits? Will you use them? Are they worth any additional premium?

Always remember with Medicare Advantage plans: You are still in Medicare and have all the rights and protections as traditional Medicare members.

Like traditional Medicare, there is typically some cost sharing with most Medicare Advantage plans – you pay a portion of the medical costs - though the structure may be different. Make sure you understand these amounts.

Because these plans are part of the Medicare program, there is no individual underwriting involved with these plans, no health questions, no exclusions or waiting periods.

Talk to your insurance agent, call the insurance company, or check out the company’s website or www.medicare.gov to get information. Though all Medicare-eligible individuals have an opportunity to select coverage during the Annual Enrollment Period, you may qualify to join earlier. Do your homework early and get the plan that’s right for you.

Submitted by Christopher M. Abbott, Executive Director of Secure Horizons.

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It’s easy to learn more about Medicare. Call, come to a meeting or make an appointment.

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A sales person will be present with information and applications. For accommodation of persons with special needs at sales meetings, call 1-877-553-6926, TTY 711.

The family of AARP Medicare Plans includes Part D Prescription Drug Plans, Medicare Supplement Insurance Plans and Medicare Advantage Plans featuring the AARP ® brand name. Plans are insured or covered by UnitedHealthcare Insurance Company or an affiliate, a Medicare Advantage organization and a Prescription Drug Plan sponsor with a Medicare contract. AARP and its affiliate are not insurance agencies or carriers and do not employ or endorse insurance agents, brokers, representatives or advisors.

AARP does not recommend health related products, services, insurance or programs. You are strongly encouraged to evaluate your needs.

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Bruce Nemovitz advises to plan ahead If you’re not yet retired, Bruce Nemovitz with Realty Executives has some great advice: plan ahead, make a list of all your wishes for the future, gather all the information you need and make a plan. Nemovitz says Realty Executives helps seniors prepare for the transition to their new home whether it’s a senior apartment, condo or senior community.

“We put our clients’ needs first and foremost with the understanding that every person we meet is unique with their own special needs,” Nemovitz says. The company helps refer their clients to other services needed such as estate sale companies, elder law attorneys, senior financial planners, movers and contractors. From home sale to follow up to moving day, Nemovitz and Realty Executives are there every step of the way.

Moro Insurance Group helps you find the right solution If you are getting ready to retire and considering your Medicare options, carefully consider your options with the help of a professional independent insurance Advisor. At Moro Insurance Group, our independent insurance Advisors help you find the right solution to fit your needs.

Moro Insurance Group is an independent insurance agency that specializes in finding insurance solutions for individuals, small employers and Medicare eligible consumers. In addition to health insurance solutions, we offer other insurance products such as long term care protection, life insurance, income protection, dental, international travel, student plans for college age dependents and more!

If you would like more information about Moro Insurance Group and how they can help you, visit our website at www.morogroup.com or call (414) 766-9700.

Go 'to Moro' today!

Medicare alone doesn’t cover all your expenses.

For example, you will generally pay 20% of the bill for services covered under Medicare Part B, such as doctor office visits.

A Medicare supplement plan can help protect you against the rising cost of health care by covering many of the out-of-pocket expenses associated with Medicare. To learn more, please contact me today!

Moro Insurance Group Debra L. Howser, LUTCF (414) 766-9700 or (800) 553-6676 Not connected with or endorsed by the U.S. government or the federal Medicare program. For specific costs and further details of the coverage, including exclusions, reductions or limitations and the terms under which the insurance policy may be continued in force, contact me.

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4 Planning

Rules to Recession Retirement

As the recession gets worse, two new surveys show just how unsure Americans are about their retirement accounts.

One survey, conducted by Harris Interactive, reveals that four in 10 Americans believe the current economic situation will force them to delay their retirement up to 10 years later than they originally planned, or that retirement will not be an option at all. Another survey, released by America Saves, shows that the number of people saving for retirement declined from 52 percent last year to 49 percent this year.

As 401(k) plans and individual retirement accounts absorbed more than $2 trillion in losses between January and October of last year, the question on everyone’s mind is: Should I still be putting money into my retirement account, and if so, what’s the best way to do it?

According to financial advisor and CNBC’s resident retirement planning expert, Bill Losey, the answer is a big “Yes,” and by following some simple rules, retirees can stay on track to a secure future.

Bill Losey says there are four rules to retirement planning. They are:

The 100 Percent Rule: You may have heard that once you retire you’ll be able to live on 70-80 percent of your pre-retirement income. However, considering medical costs are rising and life spans are increasing, I’d rather plan that you’re likely to need 100 percent of your pre-retirement income in retirement just to be on the safe side.

The 2/3 Rule: The typical Social Security payment provides one-third of a retiree’s income needs, according to the U.S. Social Security Administration.

That means that two-thirds of your postretirement income must come from sources other than Social Security.

Bill’s Bottom-line: There are multiple factors that are taken into account for each individual’s situation.

Use these rules as a starting point in your planning and consider working with a professional advisor to gain better clarity.

The 13 Times Rule: If you’d like to receive guaranteed income payments for life from an annuity, you will need to invest about 13 times the annual income you want to have in retirement into the annuity. For example, if you want $25,000 a year in lifetime income payments, you’ll need $325,000. Generating $25,000 in lifetime income per year without an annuity would require approximately $500,000 in capital.

The

110

Rule:

Since it’s likely you’ll live a long life, you may need to keep a higher percentage of your assets in equity investments. Consider subtracting your current age from 110. The result could be considered a starting point for your equity allocation. For example, if you are 65 consider allocating 45 percent of your portfolio to equity investments (110-64 = 45) and allocate 55 percent to fixed income investments.

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Rivershores Regency offers luxury apartments

Rent-a-Daughter serving older adults for more than 20 years

At Rivershores Regency we offer more than just an apartment, we offer a home.

Overlooking the Milwaukee River and the Eisenbahn Trail, our luxury apartments are conveniently located in downtown West Bend to provide ease, comfort and convenience for active adults. We also have a salon on our premises and a beautiful community room for social gatherings. As a resident, you can even reserve the community room for private functions with family and friends. Best of all, our apartments offer deluxe appliances and washer and dryer units.

Rent-A-Daughter is a family-owned, non-medical home care agency that has been serving older adults for more than 20 years. A dedicated staff of professional caregivers shares the mission of providing quality loving care from the heart. RentA-Daughter is a company that honors the extended family, knowing that caring for aging loved ones can at times be a heavy burden. “We strive to help relieve this burden any way we can,” they say.

For more information, visit our website at www.RivershoresRegency.com or contact Dave Dondlinger at 262-483-9150.

Each care plan is personalized to meet the specific circumstances and needs whether care is being provided at home or in an assisted living or nursing facility. The core of the company’s philosophy is “Care from the Heart.” For more information: www.rent-a-daughter.com or (414) 479-0029.

Rent-A-Daughter Making Life Easier Since 1985

Non-Medical Home Care

Just like family, Rent-A-Daughter provides extra pair of hands, a warm heart and a an friendly to make each day easier. Call us whensmile you or someone you love could use help with cooking, shopping, running errands and other domestic needs.

Caregiving Services

Respite Care for Families Housekeeping Services Errands Personal Care

Meal Preparation Call 262-754-0550 or 414-479-0029 12660 W. North Ave., Brookfield

Employment Opportunities

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Don’t Forget

Memory loss is likely, but see through those senior moments

By Tom Roebuck Getting older takes a toll on the body.

The passage of time can manifest itself in a number of ways, such as hair turning gray – or disappearing altogether. Crow's feet and laugh lines show up in the mirror and muscles and joint aches creak like old floorboards.

But aging also can affect the mind, resulting in memory loss. This is perhaps the most mysterious and dreaded ailment associated with getting older.

Some people can live long lives and not show any signs of it. But typically, as more candles are added to the birthday cake, it is common for people to experience some form of memory loss. It's just a part of growing old.

"There are some individuals who will experience very little if any decline, or maybe not until very advanced ages," said Dr. Molly Wagster, chief of the neuropsychology of aging branch at the National Institute on Aging. "And there are others that are going to experience more and in different cognitive domains. Some people will have problems with their attention, some with their memory. In general, the majority of individuals will experience changes in their cognitive function with age, but there is great individual variability."

Since some people retain their full memory deep into old age and others lose it gradually, it can be difficult to determine the difference between simple forgetfulness and something more serious. There is no simple formula that states what level of memory loss is appropriate for a certain age level. But there are signals that should cause concern.

"For Alzheimer's disease you have to have loss in more than one cognitive domain before one starts considering the diagnosis as Alzheimer's. So if you're just very forgetful, but you're able to carry out other activities – you're able to drive a car, you have spatial memory, you're able to make decisions, you can focus on the topic at hand, you can still learn new things – that's not Alzheimer's,"

Wagster said.

Not as well known as Alzheimer's is mild cognitive impairment, a classification for those with an above-average loss for their age who haven't been diagnosed with Alzheimer's. It's not as serious, but 12 to 15 percent of those diagnosed will develop Alzheimer's within a year.

They also tend to be more aware that something is wrong and tell their doctor. Others will be unaware of their deteriorating condition, and it will be up to family and friends to make decisions for them.

"There are individuals who are moving into Alzheimer's disease who do not seem to have an awareness of the declines in their function," Wagster said. "Other individuals, on the other hand, do seem to have some awareness, at least early on. But over time, as the disease progresses, they lose that self-awareness."

Despite decades of research on the cause of Alzheimer's and memory loss, there is little that can be done for those who have already been afflicted.

"There are many who are starting to feel more and more that once Alzheimer's disease has been diagnosed, even if it's earlystage Alzheimer's, we have very little in our arsenal to help these individuals slow the progression of this disease, much less completely cure it or reverse it," Wagster said.

The origins of memory loss and Alzheimer's remain a mystery, but research indicates that physical and mental activity can help our minds stay sharp, along with a healthy, balanced diet. Food with high levels of antioxidants, such as fruits, vegetables, grain cereals, nuts, and omega 3 fatty acids, found in fish, are recommended. If we keep our bodies healthy, it can only help keep our minds healthy as well.

"In normal aging, physical activity particularly has shown great promise in maintaining, and quite frankly reversing some agerelated decline," Wagster said. "Staying aerobically fit, engaging in physical activity, eating a healthy diet, trying to stay not only physically active but mentally active – these are all things that are subject to research, and we have some pretty good data in animal models that they do help prevent, and in some cases even reverse, age-related cognitive decline."

Not all lapses in memory are causes for concern. If you've ever walked into a room only to forget why you walked in there in the first place, don't worry, according to Wagster.

"It's a good sign that there's still some awareness that there was a reason that you came into the room and hope that eventually you'll remember why it was that you came in there."

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How to Survive

CAREGIVING

M EADOWMERE S ENIOR L IVING C OMMUNITY

A

t Meadowmere Assisted Living Apartments, every day brings a chance to experience life in new and exciting ways.Try an exercise class, invite friends over to play cards, or fill your calendar with fun community activities - the choice is yours!

The Meadowmere lifestyle includes: • Spacious studio, one and two bedroom apartments • Daily social, educational, and recreational activities • Delicious restaurant-style dining • Weekly housekeeping and linen service • 24-hour care staff • And much more!

OAK CREEK

701 E. Puetz Rd. Oak Creek, WI 414-766-2100

Americans are now living longer than a generation ago. Today, 36.5 million people or 12 percent of the U.S. population are 65 years of age or older. Within this group, nearly five million are age 85 or older. It is estimated that by the year 2050, 87 million Americans (21 percent) will reach age 65 and beyond. This astounding growth has taken the act of caregiving for a loved one from a historically temporary situation to one that can, and often does, last decades.

Sixty-five percent of persons with long-term care needs rely exclusively on their family and friends to provide assistance. Of those providing the care, it is estimated that 59 to 75 percent are married women who also work outside of the home.

Caregiving is an overwhelming challenge and often a life-altering experience. It can drive one to distraction, even destruction, if allowed. Most caregivers feel they are unprepared and thrown into their situation. Depending on the severity of the circumstance, the caregiving process can become a second career that is full of daily challenges, commitments, stress, financial obligations and tough decisions.

Even if you are a caregiver who wants to survive this life stage, you must surrender your uncertainty about what to do and commit yourself to acting on a well-thought out plan. Like any successful enterprise, having an understanding about what you are about to enter into will help you accept your new role and give you a roadmap for coping:

Caregiver Steps to Survival 1. BECOME AN OBSERVER. Take yourself to the place of a distant observer where you can view the situation objectively and without strong emotions. By standing back and removing yourself temporarily from the center of the “storm,” you will gain perspective and this will go miles in helping you create a plan.

2. DEFINE YOUR ROLES AND RESPONSIBILITIES. As a caregiver, particularly if you are female, it is natural for you to try to do everything for your loved one. Depending on the condition of your loved one’s health, you may find yourself having to do things they previously did for themselves, such as personal grooming, driving to appointments or day-to-day household duties. These extra responsibilities have the potential to cause undue stress. Even if the person is greatly dependent upon you for their care, you will be better able to maintain your own mental and physical health, and the dignity of the person for whom you are caring for, if your roles and responsibilities are clearly defined.

3. PRACTICE OPEN COMMUNICATION. This is not the time to be shy about your needs. In order to survive, you must clarify your role through open communication. Unless your loved one is mentally incapacitated, you need to talk about his/her wants and needs, as well as make sure your wants and needs are also made clear.

Discuss today’s necessities, but plan for the future. In time, you may find yourself with increased responsibilities such as, medical, home 10 | NEXT 2009

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maintenance, legal and financial matters. Make certain that you not only understand what your fiduciary boundaries are, but to whom you can refer to for other important decisions when the time comes.

Tips for Surviving Caregiver Burnout • Set realistic goals and turn to others for relief with certain tasks.

• Stay realistic about the illness you are confronting. Your role is not to heal, but to help make life manageable for your loved one.

• Explore and research respite care services and options.

• Educate yourself, take the time to research and learn.

There is a plethora of information available for caregivers.

• Stick to the basics: eat right, exercise and get plenty of rest. Know when it is okay to turn off the phone and be quiet.

• Set aside time for yourself. This is not a luxury, but a necessity.

• Pamper yourself. Take a bath; a long shower; spend time in nature; tap into your own spirituality and ask for help.

• Make time for activities you enjoy.

• Caregiving is rewarding, but there will be times when you will also feel anger, sadness, frustration and grief.

Try not to judge your feelings. They are neither good nor bad, but rather a normal part of being human.

• Join a caregiving support group. Sharing your feelings with others in your same situation can be extremely helpful. Support groups help you manage stress, locate resources and provide a venue to reduce feelings of frustration and isolation.

• Talk to a professional if you feel your life is spinning out of control. You can not afford not to.

PROFESSIONAL CARE WITH A PERSONAL TOUCH An affordable alternative serving the special needs of the elderly community. Our elderly living facilities provide a comfortable and charming homelike atmosphere.

Our Amenities Include: • 24-Hour Service Staff • 3 Meals Daily • Housekeeping Services • Assistance with Medications • Daily Activity Programming • Peace of Mind of Resident & Family

• Private Accommodations • Linen/Laundry Service • Nursing Services • Personal Care Assistance • Special Events, Tours, Trips • R.N. Owner Operated

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Se n i o r s • Long Term Care Insurance •Health Insurance • Life Insurance • Annuities • Auto • Homeowners • Free Quotes • Immediate SR22 Filings

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LTD INC

7421 W. Becher St. West Allis, WI 2009 NEXT | 11

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Invest in your vision for retirement

T

Steps to Take Are you focused on a bright, happy, clear future or a retirement clouded by poor vision? The picture may be up to you. “Up to 50% of all blindness in the U.S. is preventable—if people would pursue prompt diagnosis and treatment,” notes Dr. Brett Rhode, Head of Ophthalmology at a major local medical center. His partner at Eye Care Specialists, one of the state’s leading ophthalmology practices, Dr. Daniel Ferguson, adds, “Planning and investing in regular eye check-ups can benefit your sight, attitude, freedom and bank account.” For example, age-related vision impairment is a leading cause of disability and nursing home placement. It creates increased expenses in terms of doctor visits, special transportation, medical supplies and services.

Vision loss also causes: difficulty doing tasks (cleaning, cooking, reading, seeing to take medicine, etc.); an increase in injuries, falls and car accidents; social issues (fear, withdrawal, depression, anger); and loss of freedom (to drive, shop, work, play, etc.)

As such, Eye Care Specialists offers the following tips for seeing life to the fullest—now and in the future: I Schedule comprehensive, dilated eye exams.

Have a complete exam every 2-4 years ages 40-64 and every 1-2 years after age 65 (unless there are specific risk factors) to check for cataracts, glaucoma, macular degeneration, diabetic retinopathy, and other conditions.

I Talk to your doctor. Discuss your concerns.

Ask questions (see suggestions at right).

I Follow surgery/treatment recommendations.

I Be an informed partner in your own care.

Educate yourself. Read about disease symptoms and the latest diagnostic tools and treatment procedures.

For free booklets on the leading causes of visual problems during retirement, call 414-321-7035.

Questions to Ask

Make yourself an informed partner in your family's eye care. Ask questions such as: I What is my visual acuity (on the 20/20 scale)?

I Do I have any eye diseases or disorders?

I What caused my condition? Is it hereditary?

I How will this condition affect my vision

and lifestyle—now and in the future?

I Should I watch for any particular

symptoms and notify you if they occur?

I What kinds of tests do I need? Why? When?

I What is the best medical/surgical treatment for me?

I When will treatment start, and how long will it last?

I What are the risks, side effects, benefits

and success rates of this treatment?

I Are other treatments available?

I Are there foods, drugs, or activities

I should avoid while I'm being treated?

I If my treatment includes taking a medication,

what should I do if I miss a dose?

I Will changing my diet, exercise or other lifestyle

habits help improve my condition? Would eyerelated vitamin & mineral supplements be helpful?

I If my vision can’t be corrected, can you refer me

for low vision resources and rehabilitation services?

Call us . . . at 414-321-7035 When you want information about cataracts, glaucoma, AMD, diabetes, dry eyes or floaters. We’ll send detailed literature—FREE. Poor vision does not have to be a fact of life as you grow older. Advances in ophthalmology have enhanced our ability to protect vision, but . . .

Leaders in Medical, Surgical & Laser Eye Care since 1985. “Top Doctors”— Milwaukee Magazine.

Trusted by more than 121,000 doctors & patients.

I Glaucoma, Diabetes & Macular Degeneration (AMD) Care

(including laser & AvastinTM injection treatments) No-Stitch Cataract Surgery with Lens Implants (to reduce the need for reading glasses/bifocals) ZyoptixTM Customized LASIK Vision Correction Accept Medicare Assignment & Most Insurances Lid & Retinal Cases I Corneal Transplants Dry Eyes/Infections I Pediatric Care & Surgery Comprehensive Exams I Laser Scans for Disease

Our skills and state-of-the-art technology are of no use if you don’t utilize them. What will motivate you to take care of your vision? Information.

I

If you know the risks, symptoms, tests & treatment options for various conditions, you’re more likely to take measures to protect your eyes.

I

Take the first step today, call 414-321-7035 for free brochures on any topic listed in this ad. Then, ask yourself, “When was your last eye exam?”

Norman Cohen, MD Robert Sucher, MD Mark Freedman, MD Brett Rhode, MD Daniel Ferguson, MD David Scheidt, OD

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I I I I

T EYE CARE SPECIALISTS www.eyecarespecialists.net

Southwest 10150 W. National Av. West Allis, WI 53227 414/321-7520

Mayfair at Burleigh 3077 N. Mayfair Rd. Wauwatosa, WI 53222 414/258-4550

Downtown 735 W. Wisconsin Av. Milwaukee, WI 53233 414/298-0099

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LET’S GET PHYSICALS Everyone needs a comprehensive exam after 50

By Dr. David Lipschitz Here's a health tip for 2009: After age 50, you must have a comprehensive physical from a primary care physician whom you like, trust and respect. If you are completely healthy, every two years could be sufficient, but from age 60 onward, it should be at least annually.

The intensity of the annual examinations can vary a great deal. In some circumstances, screenings can involve evaluations by multiple physicians, many blood tests, Xrays, imaging studies (such as CT scans), echocardiograms and treadmill stress tests.

At the other extreme, some annual physicals offer perfunctory examinations with very little done at all. So rather than being passive and trusting your physician to do whatever he deems best, you must take steps to be well-prepared before ever putting on the paper gown. Know what the encounter should entail, what tests to expect, what questions should be asked and the cost.

Because of the fast-paced, bottom linedriven business of health care, many patients are shortchanged when they see their doctors for initial visits. Oftentimes, you spend more time with office staff than with your physician and get little opportunity to discuss your health, history and concerns. Demand that your physician give you adequate time. If your first visit does not entail at least 40 minutes of face time with your physician, it is likely not thorough enough, and potential problems could be missed.

Before the examination begins, make sure you tell your physician that you seek to be educated about how to stay healthy and prevent disease. This is important because it will let your doctor know that you are serious about your health and willing to take every possible step to avoid illness.

Most physicians require that you complete a questionnaire prior to the visit, which provides information about your complaints, medications taken, illnesses

and surgeries and provides a detailed family history to identify diseases you may be at risk of getting, lifestyle habits (smoking, alcohol, diet, etc.) and social history (marriage, children, hobbies, the importance of religion in your life, and sexual activity).

The questionnaire also should involve a "review of systems," in which you are asked whether you have any symptoms that would suggest any underlying disease. For example, if you complain of shortness of breath or

CNS Photo courtesy of Siemens Healthcare

As you get older, physicals are crucial and could feature more tests, such as an echocardiogram. chest pain, that could suggest coronary artery disease. Your doctor should spend at least 15 minutes taking this history.

Before coming to any diagnoses or determining whether additional tests are needed, your physician must perform a thorough, head-to-toe examination. If you do not remove your clothes and put on a gown, the examination never will be thorough or accurate enough.

The first examination should be very detailed, including blood pressure and measurements in both arms while sitting and standing. It also should include a rectal examination and, for a woman, a breast and pelvic examination. This sort of compulso-

ry examination could help identify problems such as high blood pressure, the narrowing of the carotid artery and heart murmurs.

The history and the information obtained during the examination should tell your doctor virtually everything about your state of health. Blood tests and other screening tests should verify a doctor's initial impression. Your risk factor for illness will determine how aggressively you will be screened for diseases. Screening tests are an important component of nearly every medical checkup; however, it is imperative that your physician educate you about why each test is done, what you should expect and what evidence exists to support that course of action.

Blood tests generally screen for diseases such as anemia, hypothyroidism and diabetes and for risk factors for heart disease, such as cholesterol. Make sure that your physician only performs tests approved by the U.S. Preventive Services Task Force.

For example, an annual stress test that screens for coronary artery disease is deemed unnecessary in most circumstances.

Once all the information is collated, a second visit should include a discussion of the results and, most importantly, counseling to assist you in any health problems that you have. A good primary care physician educates patients about preventive measures to ensure that they stay healthy and happy. This approach should empower you to be more involved in your own health and ensure that you receive the best care available.

Dr. David Lipschitz is the author of the book "Breaking the Rules of Aging." To find out more about Dr. David Lipschitz and read features by other Creators Syndicate writers and cartoonists, visit the Creators Syndicate Web page at www.creators.com. More information is available at www.drdavidhealth.com.

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Quality Home Health Care for You Mission Quality Home Health Care’s mission is to provide the highest standard of home care and services that are beneficial in returning our patient to optimal function and independence. As employees, we promise to be compassionate, caring and efficient in the delivery of our services to our patients and their physicians.

Staff Each staff member undergoes an extensive background check and we are fully insured and bonded.This policy assures the quality of our staff, the safety of the patients and give you added confidence in our agency.We encourage personal growth by providing training programs, specialty certifications and ongoing education. The excellent staff at Quality Home Health Care is our most important asset and the reason we continue to be successful.

Company Quality Home Health Care is locally owned and operated.We have been treating patients and helping families for more than 4 years.We understand your patients' needs because we are part of your community.

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Commitment The people who work for Quality Home Health Care are what really set us apart.All of our nurses and office staff are truly nice people. They all sincerely care about our patients. That's why so many of the people we help come to think of us as family. When you refer your patients to us, you can depend on them being left in caring, qualified hands.

Quality Home Health Care is commited to providing its patients with the highest quality care. Quality Home Health Care promotes appropriate, adequate, effective and efficient health care to all its patients.

Patient Testimonials • Thank you for everything. If any of my friends or family need home health in the future, I would recommend you! YOU ALL ARE EXCELLENT!!!!!

• You have a great staff! Not just the people who visited me, but in the office, too!

• This is the second time we have used Quality Home Health Care. My husband is more demanding than some, but yet he stated that he would always use Qualtiy Home Health Care...that says a lot.

• There is nothing you could possibly improve about your services. Quality Home Health Care is the BEST!

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UNDER THE KNIFE What you need to know before that nip and tuck

CNS Photo courtesy of Allergan

A range of procedures, from face lifts to Botox, pictured here, are available to keep you looking your best.

By Valerie Lemke "I don't want to look too perky, just rested and ready to go." It is the often-stated wish of plastic surgery candidates, including those age 65 and above.

With today's longer, healthier life comes a desire to look your best regardless of age, with mature Americans opting for cosmetic surgery in increasing numbers. But is a good plastic surgery outcome possible at age 65 and after?

"The capacity of the skin to regenerate diminishes with age," admitted Dr. Julio Garcia, a board-certified cosmetic surgeon and member of the American Academy of Anti-Aging Medicine in Las Vegas.

As we age, a loss of collagen and elastin proteins, as well as glyco-amino-glycans, an acid which holds things together in the skin like grouting between tiles, causes it to wrinkle and sag.

"Some people's skin will show these signs of age earlier than others," Garcia said.

"Sunbathing, smoking, tanning booth visits and poor skin care accelerate aging.

In addition, fair skin ages faster than dark skin, and men with thicker skin and people with oily skin wrinkle less."

The longevity of cosmetic procedures also gets shorter as we age, Garcia said. "If you have a facelift at age 50, the procedure will last about 10 years. At age 65 you can expect improvement for five to seven years, but you'll be five to seven years older before you need another one, so you're always ahead of the game."

Dr. Scott Mosser, a board certified plastic surgeon in San Francisco, concurred with Garcia that the facelift is the most efficacious cosmetic surgery for a younger, more refreshed look, and both doctors report it is the procedure most requested by their mature patients.

"Seniors often report they want a facelift because they see a disconnect in the way they feel and the way they are treated," Mosser said. "They feel good inside, but peo-

ple are responding to them as though they are tired and disinterested."

Mosser did note reluctance among seniors to undergo surgical procedures, however. About one-third of his senior patients request non-surgical procedures such as Botox and fillers.

"Maybe part of this is a misperception between being old chronologically and old physiologically. Fifty-year-old patients with a number of medical situations aren't suited for surgical procedures, while many seniors are physiologically quite young and are good candidates for a facelift if they make a connection with a capable and ethical surgeon," Mosser said.

Both Garcia and Mosser agreed there are several smaller surgeries, including an eyelift and a forehead lift, that are less invasive and less expensive, but for the best return on your investment the facelift is superior to other procedures.

When should you consider cosmetic surgery? Garcia believes there comes a day that patients, including seniors, realize they need something and he gives them a way to gauge when that time comes. "If your looks bother you seven days a week, it's time to consider a facelift. At that point, it's never a bad idea," he said.

Mosser also offers patients an internal test when they go to visit a doctor. "After a consultation, a patient should walk out of a doctor's office feeling comfortable," he said. If not, the search should continue for a good match. "I also advise surgery candidates to put themselves in the hands of a plastic surgeon certified by the American Board of Plastic Surgery. The onus is on the public to know the doctor has proper credentials in place."

The surgeon needs to be comfortable, too, said Garcia, who always suggests a patient talk with two doctors before making a decision.

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CLEMENT MANOR, Expands Continuum of Care and Commitment to Brain Health A new program designed for those with a diagnosis of early memory loss or dementia is starting in November.

This four hour program will help those who want to enhance their memory and brain function and provide a respite opportunity for caregivers.

This program is the latest addition to the Clement Manor continuum of care. Clement Manor has been in the business of providing services that allow residents and people in the community to age in place, especially those with memory loss. From lifelong learning programs to Long-term Memory Care, all of the services someone needs to experience health aging can be found on the Clement Manor campus.

The Clement Manor Center for Enrichment and Life Long Learning is a place where older adults can gather to stay active, healthy and continue to learn. This Center provides

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opportunities for education, wellness and spiritual growth while encouraging social interaction – all components of maintaining a healthy lifestyle. Classes vary from water fitness and yoga to lectures and discussions about the Supreme Court, Comparative Religions, Art and Music.

What makes the Center for Enrichment so unique is its long history of collaborating with volunteer instructors. The Center’s roots run deep with this concept as it used to be the LaFarge Lifelong Learning program hosted by the School Sisters of St. Francis. When the program moved to Clement Manor, the format and quality of programming stayed the same. The Center is always looking for volunteer instructors who are willing to share their passion and/or expertise with older adults. This type of community volunteering provides a rewarding

exchange, indeed.

Take a tour of this faith-based facility and find out for yourself why the American Health Care Association recognizes them as an extraordinary example of quality. Contact them at (414) 321-1800 or visit their website at www.clementmanor.com.

Located in Greenfield at 92nd Street and Howard Avenue.

Services include: • Center for Enrichment and Life Long Learning • Child Day Care • Adult Day Services • Early Memory Loss Program • Short Term Rehabilitation • Assisted Living • Independent Living • Skilled Nursing/Long Term Care • Memory Care Specialty

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FOOD FOR LIFE Eat and drink your way to a healthy old age with these five items

By Beth Wood As people get older, their dietary needs change. Most tend to be less active than when they were younger and need fewer calories, according to the U.S. Department of Agriculture's Human Nutrition Research Center on Aging (HNRCA) at Tufts University. But seniors still require as many, if not more, nutrients.

HNRCA revised the USDA's MyPyramid, an Internet-based, individualized dietary program, to better fit the needs of seniors. The Modified MyPyramid for Older Adults lists these items as crucial to a balanced diet: whole, enriched, and fortified grains and cereals, bright-colored vegetables, deep-colored fruit, low- and non-fat dairy products, dry beans and nuts, fish, poultry, lean meat, eggs; liquid vegetable oils and soft low-fat spreads. Fluid intake is also vital to good health.

The five nutritional items below offer great benefits as you get older. While they may seem to have nothing to do with each other, all fall into the categories listed above and enhance your health, especially as you age.

WATER The eight glasses at the base of HNRCA's modified pyramid indicates that fluids are the foundation of your day. Any foods with high water content, like non-sugary juices, soups, and many fruits and vegetables, also help keep a person lubricated.

Noting that the body is 95 percent water, Massachusettsbased nurse Martha

CNS Photo courtesy of Tufts University HNRCA

The Modified MyPyramid for Older Adults emphasizes the importance of certain foods and liquids as people age.

Klay has witnessed firsthand the importance of fluid intake in her work.

"The bulk of clinical dilemmas that I see have to do with dehydration," said Klay, who specializes in eldercare. "When a senior gets dehydrated, it impacts their cognition and leads to falls and fractures.

"Dehydration often causes UTIs (Urinary Tract Infections) and is a major cause of constipation," she cautioned. "It also hastens looming upper respiratory infections common in frail seniors."

Even strong seniors need to consume plenty of fluids. Because many older people

lose the sensation of thirst, they often forget to drink liquids. Getting in the habit early on is a smart move.

SWISS CHARD This green leafy vegetable with the thick, bright stalk is available fresh in the summer and frozen the rest of the year.

Loaded with fiber, minerals and vitamins, it promotes bone, eye and heart health.

The George Manteljan Foundation's World's Healthiest food site at whfoods.com describes it this way: "If vegetables got grades for traditional nutrients Cont. on page 25 2009 NEXT | 17

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ST. CLARE TERRACE

is a Place of Caring and Independence St. Clare Terrace is an assisted living apartment community in the quite neighborhood across from Alverno College. Once a dormitory for religious Sisters, St. Clare Terrace has been transformed into a beautiful residence for adults in need of a safe, secure apartment, and a friendly staff to help with life’s day-to-day needs.

Residents at St. Clare Terrace have the freedom to enjoy a lifestyle that is most comfortable to them. A typical day might include joining friends for entertainment, discussing current events while enjoying a delicious meal, and spending a few moments of quiet time in the stunning chapel that is open to all faiths.

In addition to a spacious apartment that features all the necessary amenities including walk in showers, some of the other features that St. Clare Terrace offers include weekly housekeeping, an on-site beauty parlor and barber salon, 24 hour security, spa area, as well as counseling and spiritual care. And, you can rely on the professional care of an onsite nurse who can help you with your medical and health questions.

St. Clare Terrace is sponsored by the Franciscan Sisters of St. Clare and managed by Clement Manor. Conveniently

located at 3553 S. 41st Street, Milwaukee. Contact them at (414) 649-0730.

Our stunning chapel welcomes people of all faiths to grow in spirituality. Plus, carefully designed features, convenient amenities and recreational and educational programs create a fulfilling life. Embrace independence at St. Clare Terrace.

Another senior community by the Franciscan Sisters of St. Clare equal housing opportunity

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OPERATION NATION Surgeries are a part of aging, but should you have one?

By Tawny McCray Getting the news that you need surgery is hard to hear at any age, but the older you get, the more likely you are to need an operation.

"As we age we have accumulation of damage to our joints, so it's very common for seniors in this day and age to undergo hip, knee and other replacement operations," said Dr. Richard Allen Prinz from the American College of Surgeons in Chicago, Ill. In addition to complications to their joints, Prinz said that as people age they are also subject to developing vascular or heart disease, so an older person may be a candidate for having peripheral vascular or cardiac surgery to increase their blood flow if stenting and medication don't help them.

The chance of developing cancer also increases, so a person may be faced with needing it removed.

Prinz said that when deciding on whether to undergo any sort of surgery, no matter what the condition, the patient should discuss it with their surgeon and get the reasoning behind why they need it.

"They should enter this with an open mind, become well informed about what needs to be done and why an operation is being suggested to them," he said. "It should be clear in their discussions with their doctor what the result and outcome is likely to be. The operation is not going to make them a 20-year-old, where they're going to run the Boston marathon, so they have to have reasonable expectations about this."

Prinz added that as we age we're prone to other illnesses that can affect the results of a surgery. You should consider having a thorough pre-operative evaluation by an internist or cardiologist.

"The surgeon should want to be sure that there are no surprises and the patient is in the appropriate condition to have the operation and doesn't have to worry about

other issues," Prinz said. If the medical adviser thinks that the patients' risk is too great due to underlying conditions, they shouldn't proceed.

Dr. Walter Pofahl, chief of laparoscopic, gastrointestinal and endocrine surgery at the Brody School of Medicine at East Carolina University, said that some major things to consider when contemplating an operation are whether it will improve your quality of life, increase longevity and diminish pain.

He added that age in and of itself is a minor factor in determining whether a person should go ahead with surgery and agreed that the underlying factors play a large role in making the decision to operate.

"There are plenty of 80- and 90-yearolds that are exceptionally healthy, fit and active," Pofahl said. "And conversely there are plenty of 50-year-olds who physiologically are much older, who have severe heart and lung problems."

There is a big difference between how older patients and younger patients handle elective surgery versus emergency surgery.

"The percentage of operations that are performed as an emergency operation amongst elderly patients is much higher than it is in younger patients," he said.

"And the rate of complication and death in emergency operations is much higher. For

most elective operations, elderly patients do almost as well as younger patients, so from that standpoint it's always good to try and do an elective operation."

Prinz said that the number of seniors having surgery has increased over the past two decades due partially to the great strides in the medical field.

"The medical field has been willing to operate on seniors more because we have better all-around care – the pre-operative care, the anesthetic care, the post-operative care and the intensive care are all much better than they were," he said.

"Surgeons and seniors have seen seniors do well after their operations and consequently the surgeons are willing to recommend it and the patients are willing to accept it."

The rate of seniors undergoing surgery has also increased, Prinz said, because seniors expect to live a longer, more fulfilling life.

"As our population has aged they become more active, they expect more from their life. They want to enjoy their retirement, not sit at home with a hip or other joint pain that prevents them from getting around," he said. "And if they develop a cancer they want the best possible treatment so they can have a chance for a cure."

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Trinity Court offers freedom Is home maintenance taking the joy out of your retirement? If you answered “yes,” consider the freedom you will find at Trinity Court. Owning a condo at Trinity Court would provide you with everything that you love about owning a house without all the lawn care, snow removal and exterior maintenance.

Located amid thirty acres of towering oaks, maples and pines on Milwaukee’s northwest side, Trinity Court’s gated, park-like community is affectionately referred to as “Senior Living’s Best Kept Secret.” At Trinity Court, it is easy to see that people truly enjoy being a part of their community. Neighbors will often come together for various activities, including exercise and recreational classes, card games, movie nights, holiday celebrations and more.

Trinity Court also has many financing options to make it easy for you to move in today. Schedule a tour and see for yourself -- now that the secret is out. Do this today by calling 414-371-7316. You can also learn more about Trinity Court at www.vmpcares.com.

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A New Kind of Independence at Highlands Communities Some seniors see moving from their home as giving up their independence, but not according to Highlands resident Thomas Michelson. He sees his move as a chance to “reduce responsibility.” He and his wife are both thankful that they can now come and go as they please. They no longer need to call anyone to watch the house when they leave for a vacation.

Other residents commented that no longer having to worry about yard work and household maintenance allowed them the freedom they needed to participate in activities and visit with family and friends at their leisure. Instead of being a loss of independence, seniors find their now home to be just the kind of independence that fits their lifestyle. In fact, those residents that put off their move into Active Senior Apartments often wish they had made the transfer much earlier in order to enjoy this new-found freedom even earlier.

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BUILDING THE BOND Share meaningful moments with your grandchildren

By Glenda Winders Holding the baby might be the first joy you experience as a new grandparent, but the real fun comes later as children grow and the bond between you deepens. The question is how to turn the time you spend together into a meaningful relationship, and the experts say it's easier than you might think.

"It's about spending time and following the child's lead," said Jim Fay, co-founder of the Love and Logic Institute and coauthor of Grandparenting With Love and Logic. "Ask him what he wants to do and then follow along. His parents are probably too busy to do this with him."

Fay said his toddler grandson's favorite pastime when he comes to visit is to push a lightweight vacuum cleaner around the rugs, which earns his grandparents' praise and gives him a sense of making a contribution.

"The key is shared experiences, but they can be simple," said Amy Goyer, senior vice president of outreach for grandparents.com. She said it's important to consider age, personality, interests, attention span, abilities and skills. For young children, a visit to a boat dock or a fish market or a walk around the block can fill the bill.

"Don't plan an arts and crafts activity that might be beyond their developmental skills," she said. "They'll just get frustrated and you won't make a good memory."

She said it's also important to choose an activity you'll both enjoy.

"Think about it from the child's point of view: You might love the natural history museum, but the child might be bored," she said. "But make sure it's fun for you, too. Try to find a middle point – a musical group you'll both enjoy or a video game you both like to play."

Goyer, a former music therapist, advised adding music – listening, singing, dancing or making up songs – to whatever else you're doing. And she said very often the best entertainment is right beneath your nose.

CNS Photo courtesy of grandparents.com

Activities such as baking cookies with your grandchildren create wonderful memories both for you and them.

"Look around at the things you take for He said cards, chess and other board granted in your environment that will be a games are also good conversation-starters. treasure-trove for your grandchildren," she "Fix a meal together," he said. "Even litsaid. Her favorite memory is of looking tle kids can help make macaroni and through old family photos with her grand- cheese, and they feel great about it." mother. She also suggested hauling out As children get older, teach them about your jewelry box for a game of dress-up, your interests – bowling, tennis, gardening staging a play or playing charades. or other hobbies. And ask them what they "Think seasonal," she said. "Holidays can teach you about computers, iPods and are great excuses for craft activities, parties cell phones. "Teaching each other is or educational outings to find out more magic," Fay said. about the occasion."

Both experts mentioned volunteering Fay suggested doing chores together as a together. great way to spark conversation with older "Take a volunteer vacation or work children. "Work on your car and ask them with Habitat for Humanity," Goyer said. to help out," he said. "They can learn "This instills character and values as it creabout tools, and you'll be able to talk about ates a bonding experience." all kinds of things that might be uncomfortable in a face-to-face situation."

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Using a Single Pharmacy for Medications can Prevent Injury, Save Money It may be tempting for bargain hunters to buy medications from several different pharmacies, but that could prove to be a prescription for disaster and cost more money in the long run.

“Using only one pharmacy is critical to maintain an accurate drug history so you avoid bad drug interactions,” said Polly Anderson, a pharmacist who has worked at Aurora Pharmacy for 10 years. “If you are going to several doctors and more than one pharmacy, it would be very easy to get two prescriptions that could be very harmful if taken together.”

One example is coumadin, or blood thinners. “It frequently interacts with other medications, so it’s vital that your health provider be aware of everything you are taking,” Anderson said.

Interaction between medications can vary from life threatening to minor. “But with the high cost of drugs, why chance

compromising their effectiveness by taking two conflicting medicines?” Anderson asked.

Cost proves to be the second-biggest reason it makes sense to stick with one pharmacy, Anderson said. “Cost is a huge issue today, and your pharmacist can help you save money, especially if they know you need to pinch pennies. For instance, there may be an alternative or generic medication that is less expensive and just as effective. We’re happy to advocate for the patient and ask a physician if there are less costly options.”

Pharmacists also are a veritable encyclopedia about how and when to take medications. If you’re uncertain about directions on the label, just ask, Anderson said.

“We can go over the directions with you and explain why it’s critical to take drugs at a certain time or why you need to avoid certain foods when taking them.”

One example includes some heart medications “that need to be taken at nighttime because the body has certain circadian rhythms that make night the best time to take them,” Anderson said.

Using a single pharmacy also comes in handy when you’re away from home. If you are on vacation and forget your meds, Aurora pharmacies are linked together.

“It’s easy to transfer a prescription,” Anderson said. “Even if you are out of state, if you call us, we can transfer the prescription to a pharmacy where you are vacationing. Your pharmacist is an essential resource to get you the right medications and to continue getting you the right medications.”

For more information about Aurora Pharmacy, go to www.AuroraPharmacy.org

Personalized Care for You and Your Family.

Whether you find us in a store, hospital or clinic, Aurora Pharmacy is a name that stands for Personalized Care.

For a location near you, call 1-888-973-8999 or visit www.AuroraPharmacy.org

• Coordinated care with your physician • Competitively priced prescriptions • Prescription refills by phone, on-line, in-store or mail-order • Senior discounts for Aurora Freedom+ members • Acceptance of most major insurance plans • Automatic prescription transfers between pharmacies • Diabetes Care Centers* • Immunizations* • Greeting cards and gift items* *Available at select pharmacy locations.

© 2009 Aurora Pharmacy, Inc.

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A NEW VIEW

See the world without spending all of your savings

By Tom Roebuck Retirement is the reward for a job well done. After years of putting in long hours at work, it's time to let someone else toil in the trenches, so pack your bags for some well-deserved getaways. With a little poking around, anyone can find fun trips that won't deplete your savings.

An easy option if you want a trip where you'll see the sights is to contact one of the many tour companies that cater to a more mature traveler. With one call they can help choose a destination, accommodations and activities, and meals are often included. Traveling with a group also saves money, and meeting new friends is part of the fun.

"You see promotions for seniors.

They're targeting seniors as an audience," said Ed Perkins, travel expert and contributing editor for smartertravel. "If you're going on a group tour, presumably you'll be happier if everyone else on the tour is also a senior. Accommodations are made so there's more time to get on and off the bus.

They might not want to see so many things during the day, and not stay at hotels where you have to climb three flights of stairs."

Some senior tours may travel at a slower pace, but there are companies, such as Eldertreks, that specialize in soft-adventure trips for those looking for something a little more exotic. Perkins said one of the biggest and most successful outfits is Elderhostel, which caters to seniors who want to learn while they travel.

"In most cases you are actually housed in a university dormitory during an off-season time, and you combine classes with local sightseeing. But it's really adult education in very pleasant surroundings," he said. "That's been very popular among seniors, but it does have that educational overtone, and, quite frankly, some seniors would rather go to Vegas."

CNS Photo courtesy of Alfio Garozzo For those who The world is even more available to you after retirement would rather hit the whether, traveling for adventure or education, like this tables in Sin City or Elderhostel trip to Egypt. the golf courses in Myrtle Beach, you can still find good deals raries," Perkins said. "I'm 79 years old. I see without traveling with a large tour group. it around. ... There are three options for But it will require using something quite a seniors who say, 'I don't get online.' Either few seniors still stay away from: a comput- get a life and get with it, get your grandson er. Booking flights, hotel rooms and rental to do it or get to a good travel agent." cars is almost impossible without accessing Most airlines still accept reservations the Internet. over the phone, but comparing departure "Most airlines offer their best fares only times and prices between different carriers online, and some airlines only sell their will be next to impossible. Many of the fares online," said George Hobica, founder major hotel brands offer discounts for of airfarewatchdog.com. "The sad fact is those 65 and older – typically 15 to 20 perthat a lot of the best fares are online, so cent off their standard rate, but you can people have to get comfortable with the usually find a better deal online. computer."

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Now is the time to enjoy a relaxed carefree lifestyle and focus on what you enjoy most. Harwood Place was developed to oer you all of the comforts and pleasures of home without the burdens of home ownership. You’ll have more time than ever to pursue lifelong hobbies, as well as discover new interests, in a community that is unlike any other.

Delight in a variety of homemade specialties prepared fresh daily and served in our dining room and coee shop. Or, with our exceptional catering services, leave the preparation to us. Entertain in our private dining room or in the comfort of your own home. What could be better than ďŹ ne food, beautiful surroundings, and the company of good friends?

Complimentary scheduled transportation, to select church services, medical appointments, and grocery shopping, makes planning simple.

Other community conveniences include a ďŹ tness room, heated underground parking, beauty/barber shop, library, guest rooms, wellness center, gift shop, chapel and bank. All just steps away.

Harwood Place Retirement Community now oers supportive care services right in the comfort of your own apartment, should you ďŹ nd yourself in need of some support.

Services such as assistance with bathing, medication management, housekeeping and laundry are all available for short- and long-term arrangements.

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Cont. from page 17 alone, Swiss chard would be one of the vegetable valedictorians."

Preparing Swiss chard is similar to the preparation of spinach in that it needs thorough cleaning. Whfoods.com suggests boiling rather than steaming chard to remove any bitterness. It can be used in most recipes that call for spinach, but requires a bit more cooking time.

OLIVE OIL Rich in monounsaturated fat, olive oil can lower the risk of coronary disease, protect against diseases like diabetes and colon cancer and act as an anti-inflammatory.

Switch from butter and use olive oil on bread or rolls and in sautĂŠs. According to the Mayo Clinic, all types of olive oil provide monounsaturated fat, but "extra-virgin" or "virgin" olive oils are the least processed.

CRANBERRIES The decorative cranberry is often overlooked for its nutritional value. Ironically, the bright red fruit is said to prevent dental plaque and believed to prevent UTIs, kidney infections and H. pylori infections that can lead to stomach ulcers.

"There is some evidence that daily cranberry intake may be preventative," said Klay. "The problem with cranberry juice is that is mostly sugar which can be problematic for diabetics.

Often it doesn't have enough cranberry to make it effective against UTIs, thus cranberry tablets seem to be the prudent choice."

Resist the temptation to use sugar with cranberries. Instead, whfoods.com suggests combining them with other fruit or using a little honey or maple syrup. Dried or fresh cranberries add a tasty zing to any salad.

F R E E TICKETS

FOR TAKING A TOUR

CREATED FOR THE ACTIVE ADULT

PINTO BEANS If you think beans are boring, consider flavorful pinto beans.

Like other fiber-rich legumes, they can lower cholesterol, and, when combined with rice, corn or nuts, provide a complete protein. Pintos are also high in folic acid, potassium and magnesium. They also have a trace mineral that can detoxify sulfites, to which many people are sensitive.

Canned pinto beans contain close to the nutritional value as those cooked at home. They're delicious in any Mexican food dish, chili, stew or soup.

Schedule and take a tour of Mission Lakes with Lemel Homes before 12/11/09 and receive 2 FREE* tickets to Waukesha Civic Theatre’s Candy Cane Tales and Holiday Carols on 12/19/09 at 6PM. Supplies are very limited so call Lemel Homes at (414) 228-1800 to schedule your tour today. *Offer may be withdrawn at any time.

Valid while supplies last. Two free tickets per household.

Low Down Payment & Flexible Financing Available

Model Hours Saturday & Sunday: 1PM - 4PM

MISSION-LAKES.COM

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COMING SOON

Check out the issue of

online at 50plusnewsmag.com

You? Are• 55+ • Make less than $24,750 a year?

• Enjoy Bingo, Movies, Parties?

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

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

Call today for more information:

GREENBROOK APTS

414.282.5020

4955 S. Greenbrook Terrace Greenfield, WI 53220

AFFORDABLE SENIOR HOUSING Accepting applications for accessible, federally subsidized, safe, secure, barrier-free, affordable one bedroom and efficiency apartments for seniors age 62 and older.

9 Desirable Convenient Locations in 6 Communities Burnham Village Cifaldi Square Edgewood West Milwaukee Cudahy Milwaukee Gonzaga Village James & John Oak West West Allis Milwaukee West Allis Oakwood Sunset Heights Valentino Square Mequon Waukesha West Allis

For more information or an appointment call

(262) 240-9406 Becker Property Services, LLC 11520 N. Port Washington Rd., Suite 3 • Mequon, WI 53092 Phone: (262) 240-9406 Fax: (262) 240-9729 email: BeckPropSvcs@aol.com www.beckerpropertyservices.com

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Independent

senior apartments. . .

The way life ought to be...

More amenities than home.

Call 262.242.8045 205 Green Bay Road Thiensville

Presented by Fiduciary Real Estate

Gracious Living

The heart of senior living in Oak Creek.

INDEPENDENT LIVING WITH

A

Heritage assisted Living & Memory Care Communities Walk through the doors of one of our Assisted Living or Memory Care Communities and you will immediately sense the home-like and friendly atmosphere.

• At Heritage Assisted Living we have dedicated ourselves to creating communities that offer the warmth of home, the security and friendship of family and the opportunity to live with grace and respect.

• Choose between studio, one and two bedroom apartments.

• Our Memory Care Neighborhoods offer special care for the unique needs of residents with Alzheimer’s Disease or related dementias.

FLAIR

ManorPointe - an elegant community with all the Five Star Quality Care touches that make it uncharacteristically charming and a place to call home. Providing you with: r A Choice of spacious apartment styles, all with fully-equipped kitchens

700 East Stonegate Drive Oak Creek, WI 53154 414-435-0450 www.manorpointeoakcreek.com

r r r r r

Washers and dryers in every apartment Pet friendly Private and secured location Heated underground parking Plenty of social, recreational, and educational activities on and off site

r Local transportation to shopping and activities

Apartments Available!

At Three Different Locations

Quality Care in a Superior Setting

Durand Plaza Apartments 3003 Durand Ave Racine, WI 53403

• 62 and over or disabled • Contact Mary at 262-554-1250

Fernwood Court Apartments 6700 W. Appleton Ave. Milwaukee, WI 53216

• On Site Meal Program • 62 and over or disabled • Contact Rose at 414-449-9900

State Street Apartments RIVER HILLS WEST HEALTHCARE CENTER 321 Riverside Drive, Pewaukee, WI 53072

955 N. 14th St. Milwaukee, WI

• 62 and over or disabled • Contact Estella at 414-344-2024

262-691-2300

THE VIRGINIA HEALTHCARE CENTER 1451 Cleveland Ave, Waukesha,WI 53186

262-547-2123

BROOKFIELD REHABILITATION AND SPECIALTY 18740 West Bluemound Rd, Brookfield,WI 53045

262-782-0230

On Site Dialyis & Ventilator Unit • Skilled Nursing • Rehabilitation • Short-term Stay • Alzheimer’s Care • Specialty Cares • Hospice • Outpatient Services • Weight Challenged

All Locations: • Community Room • On-Site Management • 1Bedroom Apartments •Rent based on income

Professionally Managed By: Property Resource Management, LLC 11063 W. Bluemound Rd. Milwaukee, WI 53226 • 414-228-1122

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With a wide range of entertainment choices, it’s easy to see why Potawatomi Bingo Casino, located in downtown Milwaukee, was recently named “best Casino in the region” by the Chicago Tribune in May 2009. Between its gaming, dining and entertainment options, Potawatomi Bingo Casino offers something for everyone.

There’s never a dull moment on our Casino floor – a floor that offers more than 3,100 slot machines with a variety of themes to choose from. Almost 100 table games give our guests so many options featuring everything from blackjack at one end of the floor, to the fast action of craps at the other end, with a variety of poker games, roulette, mini baccarat and “Let It Ride®” Bonus Poker in between.

Guests can enjoy an exciting game of poker in the comfort of Potawatomi Bingo Casino’s luxurious Poker Room, now located on the third floor, just off the Casino’s skywalk entrance. Guests can participate in popular games that include Texas Hold’em, Omaha and Seven Card Stud.

Offering non-stop action and high- and low-limits, the Poker Room also gives Casino guests the opportunity to test their skills in popular tournaments.

Just next door to the Poker Room, OffTrack Betting is one of Potawatomi Bingo Casino’s newest amenities. Guests can try their hand at betting on horse or greyhound races held at tracks across the country. With 20 plasma-screen TVs, guests can participate in the excitement of watching a nail-biting race to see if their favorite will win, place or show.

Also located on the third floor of the Casino - Bingo. The 1,300-plus seats in the Nest of Life Bingo Hall fill quickly with guests always ready with daubers in hand.

Morning, afternoon, evening and nightowl sessions are offered. Daily payouts average $75,000.

Whether you’re meeting friends for dinner or want a quick bite to eat, Potawatomi Bingo Casino has a variety of restaurants to tempt your taste buds, including Dream Dance Steak, The Buffet, the Fire Pit Sports Bar & Grill, RuYi, the Menomonee Valley Food Court and Bar 360™. The Buffet continues to please guests with delicious food in a "classy, yet sassy" environment. The restaurant features action stations, six in all, with chefs preparing fresh, all-you-can-eat entrees right in front of guests’ eyes. With Latin, Mediterranean, Asian, American and other cuisine, there’s enough variety to satisfy even the most discriminating of tastes.

Experience a day of excitement, fun and food when you participate in a line run to the Casino. For information about Potawatomi Bingo Casino’s line runs visit www.paysbig.com. Call our new motorcoach line, Badger Bus, toll-free at 1-877894-6287 to make reservations.

Here is a complete list of where Potawatomi Bingo Casino line runs pick up and drop off:

WISCONSIN • Allenton • Beloit • Beaver Dam • Brown Deer • Burlington • Cedarburg • Columbus • Delafield • East Troy • Elkhorn • Fitchburg • Germantown • Glendale • Hales Corners • Johnson Creek • Kenosha • Lake Geneva • Madison • Menomonee Falls • Milwaukee • Muskego • Pewaukee • Port Washington • Racine • Sheboygan • Sun Prairie • Waterford • Watertown • Waukesha • Wauwatosa • West Allis • West Bend

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POTAWATOMI BINGO CASINO

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Horizon Senior Living offers quality, affordable apartments Horizon Design Build Manage of Verona is focused on development, design building construction and property management services. The company currently has 53 senior apartment buildings for active adults ages 55 and better in Wisconsin, Iowa and Illinois.

"We strongly believe in providing quality comfortable and affordable, beautiful apartment homes to active

adults 55 and better," stated Jo-Ann Wendt, Leasing, Marketing, & Advertising Manager for Horizon Management Services. “Horizon Management Services, Inc. pride themselves in their buildings and the effort to maintain them. We want our residents happy and loving their home with us. Our residents are very important to us.”

Horizon was one of the first and largest companies in Wisconsin to focus on the development, construction, ownership and 30 | NEXT 2009

management of affordable independent senior housing. Their senior communities are established to provide residents the opportunity to interact with fellow residents as an alternative to the isolation many may be experiencing in their current

living environment.

The company is owned by Charles Heath and has a total of 85 employees.

Each Horizon building has a Resident Manager with posted office hours to help residents and answer questions. All of their buildings have locked entries to provide security to our residents. Horizon has indoor mailboxes so residents don¹t

need to go outside for their mail. Many of our buildings have wonderful, state-of-theart fitness centers, beauty parlors, a bank on site, and heated underground parking for our residents. There is no need to go outside and fight with the snow, ice, rain, and cold.

Along with a invitational approach in the company’s display ad, Horizon also uses flyers, mailings and events that are open (and usu-

ally free or a very minimal fee) to the public. This approach has been extremely successful in several locations.

“When we first started offering wonderful entertainment and events to the public, only a handful of people attended. Now, many of our events have standing room only,” Wendt said.

For more information about Horizon Design Build Manage Facilities, call (608) 848-4500 or visit us at www.horizonseniorhousing.com.

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JOIN IN WITH GROUP SALES AT POTAWATOMI BINGO CASINO

Experience the bigger, better Potawatomi Bingo Casino, which now offers: • 108 table games • 3,100 slots • 5 restaurants • Off-Track Betting • Exciting promotions • Woodland Dreams Ballroom • Wisconsin’s Most Popular Player’s Club

GROUP PACKAGES ARE AVAILABLE FOR BINGO OR CASINO PLAY

777 CALL 414-847-7910 GROUPSALES@PAYSBIG.COM

For daily line run information, call Badger Bus toll-free at 877-894-6287. The package includes gambling money and transportation on a deluxe Badger Bus.

1721 WEST CANAL STREET • MILWAUKEE, WI 53233 • 1-800-PAYSBIG • PAYSBIG.COM • MANAGEMENT RESERVES ALL RIGHTS • MAKE A SURE BET — KNOW YOUR LIMIT ©2009 FOREST COUNTY POTAWATOMI COMMUNITY, WISCONSIN