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Remem Remember me ember mb b when wh n wh eating eattin eati eatin n dinner ng d dinne nne wass boring? bor b riing ng Th Thatâ&#x20AC;&#x2122;s T hatâ&#x20AC;&#x2122;ss how h your oou urr mom m m fe e eels w. feels now.

Eating alone is no fun, just ask your mom. Or maybe you donâ&#x20AC;&#x2122;t have to. You may have noticed changes in her weight, an empty refrigerator, or that she gets angry when you ask her what sheâ&#x20AC;&#x2122;s eating. She tells you everything LV Ă&#x20AC;QH Itâ&#x20AC;&#x2122;s a delicate conversation - balancing your concern for her health with her right to live the way she wants. We understand how hard it can be to talk about what youâ&#x20AC;&#x2122;re thinking. It doesnâ&#x20AC;&#x2122;t have to be this way. At the Laureate Group, weâ&#x20AC;&#x2122;ve helped hundreds of people just like you as theyâ&#x20AC;&#x2122;ve faced these talks with their parents. We understand how important your momâ&#x20AC;&#x2122;s health is to you, and how important her independence is to her. If itâ&#x20AC;&#x2122;s time for a change, and youâ&#x20AC;&#x2122;d like to bring up the subject of a senior community and all it has to offer, we can help. <RXU PRP PD\ Ă&#x20AC;QG WKDW IRRG WDVWHV EHWWHU LQ WKH FRPSDQ\ RI QHZ IULHQGV Call the Laureate Group location nearest you. Weâ&#x20AC;&#x2122;re ready to listen and eager to help. Itâ&#x20AC;&#x2122;s what we do every day. There is a Laureate Group senior community near you.

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Laurel Oaks, Glendale Ĺ? 414-351-0505 /D\WRQ 7HUUDFH *UHHQĂ&#x20AC;HOG Ĺ? 414-425-5600 The Arboretum, Menomonee Falls Ĺ? 262-253-0909 Wilkinson Woods, Oconomowoc Ĺ? 262-567-1166 Howard Village, St. Francis Ĺ? 414-489-1400 Oak Hill Terrace, Waukesha Ĺ? 262-548-1457 Hart Park Square, Wauwatosa Ĺ? 414-476-8787 Library Square, West Allis Ĺ? 414-774-4411 No endowment fee

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The Sandwich Face reality.

The hardest advice to take is the most basic. You need to face up to the reality of your position -- and the fact that it might not be temporary. That is, you might be helping your parents for the rest of their lives, and it might be a while until your adult kids find a job. Change your time horizon.

Make a plan -- and share it. It does no good to pretend that things are really the same for anyone in this sandwich. A family discussion is required -- but first you need to make your own financial plan, since you're presumably the ones with the money and the assets, which is why everyone thinks you can fix things.

Create priorities. The Zogby poll shows that 73 percent of the Sandwich Generation has cut back on entertainment and eating out, while 43 percent has decreased overall spending on basic groceries. For sure, your everyday lifestyle will change when you take on the responsibility of another generation. But you must take an honest look at whose needs come first.

Top priority -- yourself. Keeping your own ship afloat is the top priority, without which and despite all your good intentions, you can't help anyone else. So you need to make a household budget allowing everyone to share the burthe den. Adult retirement guide kids can and e should pay activ some room and board. lldd n c ldre grandchi Grandma seni enior iors ors will certainly share her milyy family fam S o c i a l 2010 Security

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check. It's like the airlines' announcement: Put on your facemask first, before helping others.

Aging parents. Be sure to check into available programs in your community that can help your elderly parents -- if not financially, at least by giving them some resources to spend time with others of their generation in an elder day care program. You're not doing Grandpa any favors by letting him go to his room and watch TV.

Your children. Sorry, but your priorities have turned upside down -- and your kids are not likely to understand. You've spent your life putting them first, making sure they got to college. Now they have student loans and no jobs. But this is their problem to solve -- and the most you can offer is a roof over their head until they figure out how to move out. Never dig into your own retirement funds, or take out a mortgage loan, to repay your kids' student loans.

Have a family discussion. There's no reason for you to be the only one worried about your finances. After you've sorted out your priorities and taken a realistic look at the available money, sit down at the kitchen table and share your worries -- and your hopes. With everyone aware of the reality, you might be surprised at the solutions they contribute.

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ife is taking a big bite out of the "Sandwich Generation." If you're a boomer, it's more likely than ever that you're helping with the care of both your aging parents and your adult children. You're the "meat" in the middle of the sandwich -- and the center is getting thin. A new survey done by Zogby International for Generation Mortgage (a reverse mortgage company) shows that baby boomers are among the hardest hit by this recession. Nearly half of those polled had either lost a job or taken a cut in pay or benefits in the past two years. As a result, 17 percent had been unable to make a mortgage or rent payment on time. Yet, if you're the boomer in your family, you're the one everyone looks to for help. Your adult kids, graduating from college with huge student loan debt and few job prospects, are moving back in. They may collide with a grandparent who reluctantly moved into your home when their money ran out, or they needed some care and assistance. Finally, the boomer generation has found a use for that huge house on which they overspent a decade ago. Now if they can only keep up with the mortgage! This is a tough position for American families that planned for a different lifestyle. But it is not without precedent. A hundred years ago it was common for three generations to live under one roof -- an old lifestyle that may be forced into a comeback. But 100 years ago, Americans did not have to plan for a 25-year period of retirement. People worked harder at physical labor, wore out faster and didn't have modern medicine (with all its costs) to help them live longer. So the question for the Sandwich Generation is how to manage this squeeze. It's no longer a cute term designed to make you smile. Now the recession is taking a big bite.

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By Terry Savage

is produced by Plus Publications, publisher of 50 Plus News Magazine, Wisconsin Woman Magazine & Milwaukee Family Magazine For more information about this publication or to be included in future issues, please contact at 262-367-5303

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Stay Sharp

Being mentally active helps reduce the effects of aging By Tom Roebuck

obody is immune to the effects of Father Time, but some people age more gracefully than others, both mentally and physically. Past lifestyle choices can either help us or haunt us, and how we live later in life can still have an impact on mind and body. Some form of physical exercise is an important part of keeping your body and immune system strong, and the same is true for mental exercise. Researchers use the term "cognitive engagement" when referring to the learning process, regardless of age. Certainly, learning new things is a part of growing up, but keeping the mind occupied and active can have a major impact on quality of life deep into old age. It's easy to associate learning with school-age children, but in fact, we continue to learn new things throughout life. The stimulation is healthy for the brain. What causes some people to slip into dementia is still a major area of research, but cognitive engagement creates new pathways in the brain, even as we age, which may help prevent memory loss and Alzheimer's disease. "When you learn new skills, you do create new pathways in the brain; new synapses form," says Laurie Ryan, program director for the National Institute on Aging's Alzheimer's clinical trials. "You want to have new experiences. Same-old experiences aren't likely to create new pathways. Staying engaged and constantly learning in life is what the observational studies suggest." Creating new pathways does not require drastic measures, such as returning to school. Reading books and playing games can be enough to stimulate the brain and 4

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help keep it from shutting down. Playing Scrabble or sudoku or filling out a crossword puzzle are possible methods of mental exercise, depending on the person. The idea is to give your brain a challenge, and some games and books can provide that challenge. Sadly, watching TV is rarely challenging. "We do know that the brain does change in response to learning," Ryan says. "New connections are formed when you have new activities to engage in, areas that weren't necessarily used before. Something that's mentally challenging or something that's different is not using the same passages that you always use, but creating new ones." Researchers believe that keeping engaged socially is another factor that can affect how our minds react to the aging process. Senior centers often have programs that allow their residents to stay active in the community and interact with other people. A painful part of getting older is having your circle of family and friends dwindle as people pass on, but our need for social interaction does not go away. "Social engagement also seems to be important," Ryan says. "If someone's sole social support is her husband and she suddenly loses him, not only is it traumatic but having that loss of social engagement seems to be a piece, too. It's staying not only mentally active but also socially active and physically active. It's really the three of them."

Everyone has his own personality. People who have been naturally gregarious throughout their lives probably will have an easier time with social engagement than those who are shy or reserved. The National Institute on Aging has awarded a grant to Oregon State University researcher Hiroko Dodge to conduct a pilot study on keeping people socially engaged using computers. The findings may help people who aren't comfortable in social settings for whatever reason to maintain a sense of connection to the community. Staying physically active is another factor that can impact how our minds age. Strenuous exercise is not the only way to stay active; there are many activities that can keep us fit as the years go by. Simply cleaning the house or apartment, raking leaves or walking around the neighborhood can keep the mind engaged and help arthritis, high blood pressure, diabetes and other chronic conditions, as well. Many senior centers have exercise rooms and maybe even personal trainers to help their residents maintain a quality of life that makes these the golden years. The aging process continues to keep researchers busy as they try to solve the puzzle of why some people develop dementia and others live long lives with sharp minds intact.

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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 traditional store, a 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 • Aurora Pharmacy Prescription Savings Club • 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.

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When to have your eyes checked

Questions to ask your eye specialist

Many serious eye disorders can be prevented or treated if detected soon enough. Experts recommend vision check-ups at the following stages:

Make yourself an informed partner in your family's eye care. Ask questions such as:

I At birth, six months & 3 1/2 years of age

I What is my visual acuity (on the 20/20 scale)?

I I

As part of a comprehensive physical, your pediatrician should check your child’s eyes for proper development, alignment and visual acuity. Any unusual findings should be referred promptly to an eye care specialist. Age 5 Some people feel that the start of school is a good time for the first visit to an eye doctor. Many schools provide annual vision screenings. The most common problem found during these tests is “nearsightedness” (inability to see letters or objects at a distance). The teen years Most young people have healthy eyes, but it’s still best to have an eye exam before age 20. Teens should be cautioned to wear appropriate protection during certain classes and most sports. They should also practice proper techniques for contact lens wear and care. Ages 20-39 A complete eye exam is recommended at least once in your 20s, and at least twice during your 30s. If you have a family history or risk factors, you may need to be seen more often. Ages 40-64 Schedule a thorough dilated exam every two-four years. Be aware of symptoms that may indicate a problem. Age 65 and older Seniors should have complete eye exams every one to two years to check for cataracts, glaucoma, macular degeneration, diabetic retinopathy, & other conditions.

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?

Are you protecting your family’s vision for the future?

Poor vision doesn’t have to be a fact of life. Take 3 steps to better eyesight: Call 414-321-7035 for

Call us and see why we’ve been trusted by more than 121,000 doctors and patients since 1985. “Top Doctors”— Milwaukee Magazine I Glaucoma, Diabetes & Macular Degeneration (AMD) Care I

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FREE booklets on any eye topic at left and a “When to Have Your Eyes Checked” guide.

Read. If you know the risks, symptoms, tests & treatments for common eye disorders, you’re more likely to notice problems and take action.

Act. When was the last eye exam for your spouse, parents or self? Schedule today, and protect your family’s vision for tomorrow. www.eyecarespecialists.net

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With a wide range of entertainment choices, it’s easy to see why Milwaukee’s Potawatomi Bingo Casino was named “best Casino in the region” by the Chicago Tribune last year. Between gaming, dining and entertainment options, there’s 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. Check out www.paysbig.com/gambling/poker for all the latest news regarding our tournament schedule. Just next door to the Poker Room, Off-Track Betting is one of Potawatomi Bingo Casino’s newest amenities. In the recently expanded room, guests can try their hand at betting on horse or greyhound races held at tracks across the country. 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 night-owl sessions are offered. Daily payouts average $75,000. While Casino guests love our gaming options, they’ve developed a similar sentiment for the Casino’s many dining options. Potawatomi Bingo Casino cooks up a variety of ways to make guests’ mouths water. Be it a special occasion, or just a night out on the town, our award-winning Dream Dance Steak offers exceptional cuisine. The fare features delicious, bold flavors and glorious regional ingredients, proudly inspired by the culinary history and traditions of a Wisconsin steakhouse. RuYi, which means “as you wish,” captures the time-honored traditions of Chinese, Japanese, Thai and Hmong cuisines. Open for lunch, dinner and late-night dining, guests will think they’ve been transported to the Far East when they visit this Casino favorite.

The Menomonee Valley Food Court has friendly, fast service. It offers four stations: Taco Del Fuego, Cream City Sweets, Trapper’s Grille and Canal Street Deli. Guests can come for a quick snack, a meal or just a cup of coffee. 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. The Fire Pit Sports Bar & Grill is popular with many of Potawatomi Bingo Casino’s guests. With 27 big-screen televisions, grab a great bite to eat while watching the big game. The best in bar food – and lots of it – is the Fire Pit’s calling card. The Casino’s Bar 360™, located in the center of Potawatomi Bingo Casino’s new gaming floor, is a great place to catch all of the action. Featuring a full-service bar and regular entertainment, Bar 360™ is quickly becoming one of Milwaukee’s hot spots. Potawatomi Bingo Casino is a popular site for corporate functions and private groups from throughout the United States. Intimate or grand; laid-back or lavish – whatever the vision is for your corporate or social event, our skilled event planning staff is poised to help ensure the finest possible experience for you and your guests. For a complete entertainment experience, guests can also take in a show at the newly renovated Northern Lights Theater. The theater, which combines first-class entertainment and dining in

an intimate, two-tiered setting, was recently upgraded to provide guests with more comfort and ensure that there is not a bad seat in the house. Fresh carpeting, wallpaper and décor have given the theater a rich and modern feel. Booth and table seating are available on the first level with traditional theater seating on the upper level. Entertainers, such as Aretha Franklin and B.B. King, and comedic talents like Jay Leno have all provided guests once-in-a-lifetime experiences in the 500-seat Northern Lights Theater. Experience a day of excitement, fun and food when you participate in a line run to the Casino. For more information about Potawatomi Bingo Casino’s line runs, visit www.paysbig.com. Call our motorcoach line, Badger Bus, toll free at (877) 894-6287 to make reservations. Visit www.paysbig.com or call (800) PAYSBIG for more information about the Casino. Here is a complete list of where Potawatomi Bingo Casino line runs pick up and drop off in Wisconsin: • Beloit • Cedarburg • East Troy • Elkhorn • Fitchburg • Glendale • Hales Corners • Johnson Creek • Kenosha • Lake Geneva • Madison • Manitowoc

• Menomonee Falls • Milwaukee • Muskego • Pewaukee • Port Washington • Racine • Sheboygan • Watertown • Waukesha • Wauwatosa • West Allis • West Bend

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Travel

Enjoy retirement by seeing the world By Tom Roebuck fter retirement releases us from our daily routines, days that never before had enough hours in them become empty stretches of time we must fill. Though there are those who see retirement as a time to unwind after a long career and hit the front-porch rocking chair, the number of seniors who are taking advantage of their newfound free time and traveling the world continues to rise. While airlines are cramming more people than ever into their planes -- making air travel even more difficult for those with mobility issues -- hotels, tour groups and especially cruise lines have made accessibility improvements that make travel much easier for older guests. "The newer cruise ships are all accessible," says Ed Perkins, a senior travel expert for SmarterTravel.com. "If somebody needs a walker or even a wheelchair to get around, he won't have any trouble." Elevators are now standard at hotels, even at bargain-basement properties, and many have rooms especially designed for guests with wheelchairs. Traveling still may be a hassle, especially for seniors, but better accessibility has made things easier. With more older travelers hitting the road, companies are finding that they no longer need the once-common senior discount. "Senior discounts as a particularly good deal are pretty much disappearing," Perkins says. Some of the major airlines still offer senior discounts, but rates found on discount travel websites, such as Expedia, are routinely better than the airlines' senior fares. Southwest Airlines still offers a full range of senior fares, but you often can find an advance seat available to anyone that's cheaper than a senior rate. "Let's say the unrestricted fare is $200. The senior fare may be $150, but they're

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selling advance-purchase seats for $75," Perkins says. "The senior fare is good only when you don't qualify for one of the better deals or if they're sold out." AARP members get a 10 percent discount on listed rates at dozens of hotels -most of them associated with three chains, Starwood, Choice and Wyndham -- but better deals often can be found online, so the AARP rate should be a second option. Renting a car through AARP will provide extra collision protection, making that an attractive feature for members. Tour groups that cater to seniors book excursions that schedule more time to see the sights and for boarding and unboarding. The pace tends to be slower, and fewer stops are planned for the day. Outfits such as ElderTreks specialize in adventure travel for those 50 or older who are looking for something a little more exotic than another trip to Las Vegas. One example is ElderTreks' Feb. 22March 14 "Kingdoms of Southern Africa" tour. The 21-day trip will explore several national parks, visit a cheetah center, journey to the Cape of Good Hope and include other South African adventures. The tour is listed at $7,695, but cheaper advance rates may be available. Road Scholar specializes in educational vacations. With a huge selection of destinations, topics and activity levels, its trips

include lectures and presentations by experts who are informative and entertaining. Some even are held in a classroom setting, possibly at a university when students are on break, but participants don't have to worry about cramming for an exam, as no tests are given. If you enroll by Jan. 31 for the "Land of the Ice Bears" trip to Norway next summer, you will save $400 off the $8,215 rate, with round-trip airfare from Kennedy Airport included. This 11-day adventure will spend most of the time at sea in the Arctic archipelago of Svalbard, where travelers will observe the abundant wildlife, especially polar bears. If you rather would explore America's national parks on your own, the National Park Service is offering land passes to citizens and permanent residents 62 or older for $10. Normally $80, the "America the Beautiful -- National Parks and Federal Recreational Lands Pass" provides access to parks that charge entrance fees. The pass holder can bring three other adults into a park, and all children younger than 16 are admitted free. The senior pass also qualifies holders for various discounts at the parks, such as boat launch, swimming, laundry and other services. Passes only can be obtained in person at a park.

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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 five years. We understand your patients' needs because we are part of your community.

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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At the Starting Gate Working during retirement By Chelle Cordero ore older Americans are looking to rejoin the work force and/or actively contribute to the communities where they live. Some might even go so far as to claim that keeping busy keeps you young. Then there are the baby boomers who had contemplated retirement but now find that in today's financial world, they need continued income. Older workers, both those who are returning to the work force after raising a family or attempting retirement and those who never have left the work force, have added difficulties with which to contend. It would seem that the adage "you can't teach an old dog new tricks" is in the forefront of a job interviewer's mind when it comes to the older worker. Practice your "pitch"; you are selling yourself and your skills. The pitch should answer these questions: Who are you? What strengths can you bring to this company? How have you made an impact, and how is that impact important to this job? What sets you apart from the competition? Past achievements, though impressive to many, can mean little in a current job interview. "You may be tempted to think that all you need to do to get a job is to highlight your years of experience. Not so," says Michael Olender of AARP. "Make sure you translate those years of experience into skills and accomplishments that are required for the job you are seeking. The employer may view extensive experience as a drawback, not an asset, for success in the position. Craft your resume to show

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how you've used your skills and the results you've produced. Many experts suggest limiting your work history to 10 or 15 years. That may mean deleting pages of experience. But you'll end up with a clearer, more targeted resume." As skilled as you may have been in your earlier years of employment, times have changed, and even something as simple as using an office phone has changed. There is no reason to keep doing business the way you've always done it. Learn the skills necessary to keep you afloat with today's technology. Check out local colleges and adult programming (high schools, community groups, etc.) for courses to make you marketable in today's world. Ask at your local unemployment office for the locations of training sites; not all unemployment offices require people to be collecting unemployment to make use of their services. Networking is still one of the best ways to find a job. Join a support group or job networking group. Be proactive. Just sending out resumes is not enough in a competitive job market. Businesses actively seeking older workers can be found at RetirementJobs.com, YourEncore, RetiredBrains, Workforce50.com and other websites for workers who are 50 or older, including http://www.aarp.org/work/employee-benefits/info-04-2010/national_employer_team.html.

The AARP Foundation has developed a comprehensive assessment system specific to your needs. This system helps you assess your work interests and personal characteristics, as well as your workplace and transferable skills. The system also will help you see what jobs are currently available in your community and link you to the Under the Age Discrimination in Employment Act of 1967, employers cannot be discriminatory based on age, as long as an applicant can do the job, but there are some labor-intensive positions that may be difficult to land. For example, most fire departments that don't require vigorous physical tests before acceptance have maximum entry ages of between 29 and 39. It is not considered discriminatory to mandate a maximum age; instead, it is to assure the employer that an individual can reasonably and safely perform the responsibilities required. When the income is not vital, many seniors are turning to volunteer work; this is also a good way to develop new job skills. The Corporation for National and Community Service's Senior Corps taps the skills, talents and experience of more than 500,000 Americans 55 or older to meet a wide range of community needs through three programs: RSVP, Foster Grandparents and Senior Companions.

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A Little Easier in 2011! Medicare Advantage plans – technically known as Medicare Part C – continue to be a popular choice for many Medicare-eligible individuals. Today nearly a third of eligible Wisconsinites are members of one of these plans and over 11 million nationally. Congress developed Medicare Advantage to provide additional choices in healthcare coverage for those Medicare-eligible. These 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. Because of recent changes in federal law you will see several differences during this year’s Annual Election Period (AEP). One key difference - most people must complete their final plan selection for 2011 before December 31 since the “second chance” Open Enrollment Period (OEP) that ran January 1 – March 31 has been eliminated. 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: What type of plan do you want? This year there will be fewer plans to choose from. In previous years, individuals could choose to join a Private Fee For Service (PFFS) nonnetwork plan. However, many of these plans will have to close and their current members will need to select another plan. This is mainly due to federal regulations that require plans operating in most counties of Wisconsin to have a network of doctors and hospitals. There are three types of network-based plans. These include HMO, HMO-POS and PPO plans. All have a network of doctors and hospitals to provide necessary medical services for plan members. One difference is that HMO-POS and PPO plans provide coverage for services from doctors outside of the network. This option gives you more choice and may provide more flexibility if you travel regularly. Make sure you understand what “out-of-network” benefits are included and what the service area is.

Are my preferred doctors and hospitals in the network? For 2011, Medicare Advantage plans in the Milwaukee area are required to have a network of healthcare providers and will have varying degrees of choice and flexibility regarding where you can obtain care. That means it will be important for you to look closely at the doctors, hospitals and ancillary service providers that are contracted with the plan and are listed in the directory. 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 when you go to the doctor’s office. The choice will be yours. Do you want a plan that includes the Part D prescription drug benefit? Almost all Medicare Advantage plans for 2011 will include the Part D prescription benefit. That’s because federal law limits your ability to have a separate Part D program when you have a network-based Medicare Advantage 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. Additionally, you may be penalized if you put off enrolling in a Part D program. Does the plan’s out-of-pocket maximum provide adequate financial protection? Changes to the federal law mean that all plans must have an out-of-pocket maximum of no more than $6700 in 2011. Make sure you understand how this amount is calculated and what items are included in the calculation. Most cost sharing items – hospital, nursing home, outpatient surgery, office visits – should count

towards the annual out-of-pocket maximum. What kind of extra benefits do you get with the plan? Many plans cover additional items like routine eyewear, hearing aids, fitness club memberships, disease management and clinical support services. Are you looking for these benefits? Will you use them and 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. -Current plan members who are involuntarily losing their plan have additional protection and a special enrollment period to sign up for a new plan now. 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 AEP, you may qualify to join earlier particularly if your current plan is ending this year. Do your homework early and get the plan that’s right for you. Submitted by Christopher M. Abbott, Executive Diretor of Secure Horizons.

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Choosing the Right Medicare Advantage Plan-

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Downsizing Deciding what you donâ&#x20AC;&#x2122;t need anymore By Ginny Frizzi ownsizing -- it's a term many senior citizens will become familiar with. The choice to move into smaller quarters -- whether it be into an apartment, condo, retirement complex or nursing home -- usually is accompanied by the necessity of getting rid of many personal possessions. "Downsizing is different for everyone," says Paul Hogan, who -- with his wife, Lori -- founded Home Instead Senior Care, the world's largest provider of nonmedical in-home care for senior citizens, in 1994. Many of its 65,000 clients have needed assistance in downsizing. Proper downsizing means taking an interest in decluttering, says Hogan, "Getting an early start on it is the key. Too often decluttering doesn't happen until there is a crisis, often regarding health. This isn't good because it is a tense time for both the individual and the family who must deal with decluttering." To help get the conversation started, the company has developed its 40-70 Rule programs and support services, designed to encourage family discussions of various topics relating to seniors, including providing care for parents. The concept behind the rule is that if you are 40 or your parents are 70, it's time to start talking about sensitive senior topics, including downsizing. "You have to remember that it's not just a house that is being cleared out; it's their identity, as well," Hogan says. Family members are encouraged to provide assistance in downsizing by empowering the senior to make decisions. "The senior citizen will decide what items are nonnegotiable and will be kept in the move. He will also decide where things go and to whom," Hogan says. Because downsizing from a house to a

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smaller residence can seem overwhelming, Hogan recommends starting with small steps. "You might want to start by going through some papers at the kitchen table," he says. "Sort them into three piles -- to discard, keep or give away. Be positive about that being accomplished. Then move on to another spot." If you are a senior who is having an especially difficult time downsizing, you can benefit from the services of a professional organizer, says interior designer Beryn Hammil. She estimates that 50 percent of her clients are downsizing. "When I start working with clients, I look at all they have and start prioritizing," Hammil says. "We look at the small space and ask where things will go, their functions and what is needed. This is especially true with a family piece that holds sentimental value; you find a place for it." Hammil recommends trying to look objectively at what you have. "Some people experience a level of emotional paralysis when it comes to downsizing," she says. "We're so accustomed to living with our stuff that we're immune to how much we have." Hammil has a trick when it comes to downsizing a kitchen: "Take all of your kitchen tools and put them in a big box. Take out the tools as you need them and put them back into the drawer or where you normally would keep them. Look in the box in a month. If it's still there, you probably don't need it and can get rid of it." The same strategy applies to multiples. "How many sets of measuring cups do you need?" Hammil asks. Family members and close friends should be remembered when downsizing, according to the experts. Hammil suggests

inviting them over to choose from among furniture and items that won't be making the move into your new place. "Be fair and work out an equitable arrangement," she says. A garage sale or donating leftover items to charity are ways to get rid of things while earning some extra money or a possible tax deduction. Hammil suggests donating books to the library and switching to a Kindle or other electronic book reader. Photos and papers can be scanned and put on DVDs. Photo albums can be kept and the contents identified, including who is in various shots. This information can be noted on index cards that are attached to the backs of the photos. "It is important to sort through things, and if you must keep something, keep it well-organized. Otherwise, in a generation or two, no one will know its significance," says Hammil. "This makes it more meaningful and will help the family recognize what they have." Clothing can be boxed up, and if nothing is missed in six months, the contents can be donated, suggest Paul and Lori Hogan. They wrote "Stages of Senior Care: Your Step-by-Step Guide to Making the Best Decisions," which addresses downsizing, among many other topics. "You can even cut a swatch of favorite clothing that you no longer wear to keep," Paul says. The question of how to store what you bring into your new home is being addressed by furniture manufacturers, according to Hammil. "A lot of companies are designing furniture that doubles as storage space," she says. "For example, there are ottomans whose tops open to reveal storage space. Coffee tables have drawers, and even some chaise lounges lift out like a piano bench to hold things." Hammil also recommends utilizing stackable shelves, plastic tubs and baskets and other items for storage. "You can fit them under a bed or out of the way in other places. They are easy to find at places like Crate and Barrel and Bed Bath & Beyond," she says.

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Original Medicare or Medicare Advantage? A Medicare plan should do more than cover some of your doctor and hospital costs. AARP® MedicareComplete® from SecureHorizons® Medicare Advantage health plans bring you the coverage of Original Medicare, plus more. In many cases, there’s no extra cost beyond what you’re already paying for Part B.

Call SecureHorizons now. Time to enroll is limited.

1-877-758-8741, TTY 711 8 a.m. – 8 p.m. local time, 7 days a week www.AARPMedicareComplete.com

The AARP® MedicareComplete® plans are SecureHorizons® plans insured or covered by an afﬁliate of UnitedHealthcare Insurance Company, a Medicare Advantage organization with a Medicare contract. AARP® MedicareComplete® plans carry the AARP name, and UnitedHealthcare pays a royalty fee to AARP for use of the AARP intellectual property. Amounts paid are used for the general purpose of AARP and its members. AARP is not the insurer. You do not need to be an AARP member to enroll. AARP does not recommend health related products, services, insurance or programs. You are strongly encouraged to evaluate your needs. Limitations, copayments and coinsurance may apply. Beneﬁts may vary by county and plan. Y0066_100723_124513 CMS Approved 08262010

OVEX3264473 2010

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Help for the Caregiver

ixing holidays and family produces some level of tension for each of us. When you add caring for an aging parent into the mix, those levels can easily skyrocket. Paula Spencer, author, family life specialist, and senior editor for Caring.com, an online destination that supports family caregivers, says that holidays actually present a great time for families to productively discuss critical caregiving issues. And if you're the caregiver, it's a good time to reevaluate your parent's or loved one's needs and share what it has meant to be the caregiver. "If you feel you're carrying too much of the burden, bring it up with family mem-

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Tips for communicating effectively with your family

bers," says Spencer. "They may not realize the reality of what the care requires or how much you're doing. In a calm, quiet moment, explain how you feel and what you see in a matter-of-fact, nonconfrontational way." Spencer, who served as a caregiver herself, offers these four tips to help your family have meaningful and productive conversations that result in healthy support and positive actions: n Use "I" statements. Avoid "you" statements that put others on the defensive, making them less likely to listen and more likely to attack. Shift the focus and put the emphasis on you: "I'm not sure I'm being understood," or "When this happens,

I feel like . . . " n Be specific. Think about specifics that really make things easier on you rather than just telling your sister that you need help caring for Mom. Ask for help with grocery shopping, or have a cousin take Mom to doctor's appointments. You might learn that family members are relieved to learn about specific ways to participate in the caregiving. n Focus on your loved one. Remember this is about providing the best support you can for your parent or relative. It's not about personal preferences or old family habits. If things get off-track, ask, "How is this helping Dad?" n Ask questions to gain understanding. Don't assume you know what your brother's comment meant. Ask questions, and you might find out something surprising that sheds a whole new light on the situation. Taking the time to lay out these communication ground rules with your family will help you navigate this stressful time with less tension and more positive interactions. Being a caregiver is a generous, loving, and difficult thing to do, and with today's resources you don't have to go it alone. "I experienced just about everything that's on the Caring.com site: dealing with their illnesses, moving Dad, organizing advance directives, handling end-of-life-planning, finding hospice, coping with death -- and stress," says Spencer. "Sites like Caring.com provide articles, resources, expert tips, and a community of caregivers who understand your challenges. Using these rich resources can help you with the many aspects of caregiving that arise all year round." Photo courtesy of Caring.com Source: Caring.com

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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 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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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 lifeâ&#x20AC;&#x2122;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 on-site 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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The Importance of Senior Fitness

ccording to the National Institutes of Health (NIH), exercise and physical activity are some of the best things older adults can do to stay healthy. Even moderate exercise can improve the health of those who are frail or who have age-related diseases. Some seniors are concerned that physical activity or exercise may be too strenuous or may do them more harm than good. In fact, itâ&#x20AC;&#x2122;s an inactive lifestyle that proves to do more harm than exercise does.

Without physical activity, older people tend to grow weaker in four areas important for staying healthy and independent: strength, balance, flexibility, and endurance. The NIH maintains that: n Increasing strength and endurance make it easier to climb stairs and carry groceries. n Improving balance helps prevent falls. n Being more flexible may speed recovery from injuries. n Exercising regularly can also have a positive impact on the immune system, blood pressure, cardiovascular system and it can decrease the risk of heart disease and help with depression or anxiety.

The American Senior Fitness Association has some recommendations for those wanting to start a fitness program. n Get medical clearance to exercise. n Don't exercise if you are injured, sick, or running a temperature. n Always warm up and always cool down. n Drink plenty of water before, during and after exercise. n Avoid heavy meals for about two hours before energetic exercise. If fatigue and/or discomfort last longer than one or two hours after exercising, cut back the next day but don't stop completely. Comfort ranges can change daily, so don't get discouraged if you can't do the same amount of exercise as you did the day before. 18

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Concentrate on exercises that improve and maintain your range of motion, lubricate the joints and keep muscles flexible. Everyday activities will be easier to carry out and you'll have less pain, too. Stop exercise and consult your physician immediately if you experience any of the following: chest pain or tightness in the chest, neck or throat considerable difficulty breathing abnormal heart rhythm; nausea' dizziness, light headedness, or visual interruption excessive cold sweat extreme or lasting weakness or fatigue For a good, overall exercise program, consider tai chi. Tai chi is a self-paced system of gentle physical exercise. It involves standing and performing a series of movements in a slow, graceful way. Each movement smoothly flows into the next. Studies suggest that tai chi may improve balance and knee joint stability, both of which help balance. Staying active does the body and the mind a world of good. Find exercise and activities that you enjoy and youâ&#x20AC;&#x2122;ll be able to stick with it and improve your quality of life. Source: Family Features

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If you are looking for customized physical rehabilitation care that addresses injuries, preventive measures and pain management interventions to optimize your or a loved one’s daily functions, contact Advance Physical Therapy Services, LLC. There owner Amy Helminski and her staff offer customized physical rehabilitation care that is highly effective and personalized at its three outpatients clinics conveniently located in Muskego, New Berlin and Hartland. Advance Physical Therapy Services, LLC is a privately owned and operated practice. After practicing physical therapy for more than 23 years in hospital, industrial, private practice and outpatient venues, Amy Helminski opened Advance Physical Therapy Services, LLC, in 2008. Her venture into private practice has given her the opportunity to combine her highly skilled clinical training and understanding to create lifelong healthcare relationships with her clients and the referral community through very personalized care. Helminski listens carefully to what her clients are saying, investigates the cause for the condition and then designs and implements a personalized treatment plan for them. Helminski is board certified by the American Physical Therapy Association and an orthopedic clinical specialist. In her practice, she addresses the physical rehabilitation of persons suffering from disabilities and/or injuries that involve the musculoskeletal system and neurovascular related components, as well as injury prevention and the possible resulting disability. For those who are getting ready to retire, Helminski advises, “Remain active. Have a comprehensive exercise and fitness routine, and be sure to set goals for daily and weekly exercise.”

• Lymphedema Specialist • Back/Neck Rehabilitation • Sports Injury Rehabilitation • Work Injury Rehabilitation • Orthopedic Rehabilitation • Fall prevention/balance • Vestibular Rehabilitation

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Burback Builders As we age, it is important for all of us to keep fit and remain active as long as possible. But we should also look ahead into the future and plan for how and where you would live should you become physically challenged. At Burback Builders, we can help you with those needs. Burback Builders is a family owned and operated construction company, which was founded in 1979. It specializes in building custom homes, remodeling and light commercial projects. So, if you are looking to for someone to build you a home that will meet your changing physical needs as you age, or if you simply want to remodel your current home to meet those needs, Burback Builders is the company you should contact. As mentioned before, this is a family owned business as Jared and Jason Burback have joined their father, owner Rick Burback, in the Burback Builders construction company. Rick is a NARI certified remodeler who has recently completed the National NARI Universal Design course. Burback Builders understands your need to keep your home yours and yet make it functional. To learn more about the Burback Builders construction company visit the website at www.BurbackBuilders.com.

NARI certified remodeler specializing in aging in place modifications to your home. We can perform environmental assesment surveys on existing home to determine your needs for design and remodeling.

W185 S8095 Racine Ave. • Muskego, WI 53150 262-679-5154 • www.burbackbuilders.com

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Passionate Volunteers

alleviate stress, lessen insomnia and hasten surgery recovery time. Studies show that helping others results in an overall heightened sense of wellbeing, which has countless positive By Dr. David Lipschitz effects on health. Bruce Linton, a psychologist at the University of California t is easy to see how maintaining an at Berkeley, believes that the benefits of volactive social life is good for your unteering should be obvious since we are health, but new studies reveal that such social beings; it makes sense that staying connected through volunteer- meaningful relationships, being productive ing can actually reduce the effects of aging. and keeping active are vital to healthy By specifically improving self-esteem and aging. self-confidence, volunteering can help "By volunteering and helping others, reduce heart rates and blood pressure, we're able to enjoy the greatest of all human increase endorphin production and pleasures: caring for others and being cared about," Linton says. By allowing ourselves to enhance the immune system. Volunteering has also been shown to experience close interpersonal relationships,

Accrue Health Benefits

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volunteering can help strengthen our own sense of identity and enhance our social support network. People with these strong social bonds have lower premature death rates, less heart disease and lower risks of a multitude of illnesses. With all these health benefits, it is an easy step to see how volunteer work can increase longevity. Researchers at the University of Michigan found a remarkable link between volunteering and longevity by surveying more than 1,200 adults over age 65 in 1986 and reassessing them six years later. Those who volunteered at least 40 hours each year to a single cause were 40 percent more likely to be alive at the end of the study. More recent studies have shown that those who volunteer a minimum of 14 hours a week live five years longer than those who do not. Interestingly, volunteers who spread their time among several organizations did not gain an advantage in longevity. This could indicate that there is a health benefit to having a singular passion and commitment to a specific cause. The recession has led to a marked reduction in donations to many charities, and the need for volunteers is greater than ever. Though reduced financial security may mean that baby boomers will work longer and be less available for charitable work, research done by AARP shows that working individuals are just as likely to volunteer for the same or more hours than retirees. As baby boomers reach retirement age and beyond, this generation has the potential to become a huge force for community endeavors. Fully half of all baby boomers already volunteer and give money to charitable causes, most frequently to Alzheimer's disease, social services, the environment and the military. Although the need for volunteers has never been so great, the quality of the volunteering is equally important. Volunteering should be a meaningful and valuable experience. Baby boomers are not likely to settle for licking stamps or answering phones. Rather, the experience, expertise and attitude of baby boomers make them valuable contributors to any organization.

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At Becker Property Services, LLC, we advise that if you are planning to retire you should plan ahead. Planning will allow you to make choices rather than have choices made for you. Planning will also permit you to make decisions and choices concerning your schedule. We like to say, “Failure to plan is planning to fail.” You don’t want to be forced into making choices and decisions you are not ready to make, so plan ahead. Becker Property Services, LLC can help you find affordable senior housing. It is our job to develop and manage affordable housing for seniors, age 62 and older, and those with disabilities. We have developed nearly 100 buildings to provide affordable housing options across the country, with the majority of those buildings being located in Wisconsin. Our company currently manages 11 apartment buildings in southeastern Wisconsin; nine buildings for senior citizens and two buildings for physically disabled adults. In the greater Milwaukee area, our buildings are located in Cudahy, Milwaukee, Waukesha, West All and West Milwaukee. Becker Property Services, LLC was initially established when Becker Consulting Services was organized and formed in Milwaukee, Wisconsin in 1984 by Joseph P. Becker. Prior to his private consulting activity in 1984, Becker was a HUD official for 15 years. Therefore, his interest in providing housing consultant services stems from experience in planning, developing,

operating and administering housing programs for HUD clients. In 1988, Kenneth S. Becker joined Becker Consulting Services. Since 1988, Kenneth Becker has acted as consultant or co-consultant for numerous applicants for HUD Section 202 and Section 811 funding. His interest in providing housing consultant services stems from his experience in banking and finance, and the awareness of the need to develop housing resources for low and moderate income persons, particularly the elderly and disabled. It was in 2002 when Kenneth Becker formed Becker Property Services, LLC, which provides full service property management in addition to encompassing the consulting and development functions of Becker Consulting Services. Today, Becker Property Services provides a full array of consulting, development, and management services. Becker Property Services, LLC manages buildings that are safe, secure and barrier free. We offer one bedroom and efficiency apartments. For more information or an appointment call (262) 240-9406 or email BeckPropSvcs@aol.com.

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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Want to Celebrate your 95th?

Do what the Ikarians do hy did the chicken cross the road? Who cares? Ponder this, instead: Why do some people live considerably longer than others? Genetics play only a small part in longevity, 20 percent or less. Much more important are your personal lifestyle choices: what you eat and drink; the amount of physical activity you get; how you handle tension, trauma, time. "Hurry up!" I prompted my dear one as we were packing our snorkels and hiking shoes for a two-day adventure on Ikaria, a rugged and remote Greek Island in the eastern Aegean, where people live longer and healthier lives than pretty much anywhere else in the world. "We're sailing at noon!" Ikaria -- 25 miles long, 5 miles wide, home to 8,000 Greeks and 36,000 goats -- has been studied up one mountainside and down the other to determine what keeps Ikarians living so long, so well, with so little heart disease and diabetes, and virtually no dementia. Astonishing! In the U.S., only one in nine baby boomers will live to the age of 90, according to Dan Buettner, who led the team of researchers.

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(414) 921-0925 * An installment sale may reduce your tax liability. Consult your tax advisor. ** Referrals available: A member of our team is a WI Licensed Real Estate Salesperson

By Marilynn Preston

On Ikaria, one in three live to 90 and beyond. Why? What do the Ikarians do that the rest of us don't? You can find the answers in detail on Buettner's informative www.BlueZones.com website, where Blue Zones are defined as places on the planet with unusually high numbers of people who live long, healthy lives. Ikaria is the fifth Blue Zone to be discovered, and when friends in Greece with a boat recently offered to take us there, I jumped at the chance: "Afharisto poli!" "Let's go!" I bleated, checking my watch again. "We'll be late!" Longevity no-no No. 1. On Ikaria, watches are as useless as speed bumps. Ikarians are famous for moving at their own pace, working when they want to work, chilling when they want to chill. I learned that at our first lunch in the port of Agios Kirikos. We all ordered Greek salads. Some of us are still waiting. I won't keep you waiting a moment longer. Do as the Ikarians do, and you'll add years to your life, and life to your years: Eat Your Greens. Over 150 kinds of wild greens grow all over the island, and Ikarians enjoy them in a variety of tasty salads and pies. They're a super source of anti-oxidants, and eaten, like almost everything else, with a splash of olive oil on top. Drink Herbal Tea. Ikarians drink endless cups of tea made from wild mint, chamomile and other local herbs high in compounds that significantly lower blood pressure and decrease their risk of heart disease and dementia. Take a Nap. Ikarians take daily 30-minute naps at least five times a week. Blue Zone researchers calculate this lowers their risk of heart attacks by 35 percent! In a few of the mountain villages, they sleep by day and live through the night. Why? Because they want to. Keep Moving. Ikarians live in remote steep villages that require vigorous walking. They keep gardens, tend to animals and get lots of exercise every day without even thinking about it. Connect to Community. Ikarians put family first. Their strong social ties, to their neighbors, to their villages, promotes longevity and lowers depression. Get Your Goat. Ikarians avoid dairy but consume gallons of goat's milk, rich in blood-pressure-lowering tryptophan and antibacterial compounds. They drink it straight, or make it into yogurt or cheese, including an amazing blue goat cheese served to us one night at dinner. Bliss! Eat the Ikarian Way. Ikarians thrive on local fresh food, all of it organic and unprocessed. Their version of the Mediterranean diet is high in vegetables, beans, potatoes and olive oil, and low in meat, fish, sugar and whole grains. They drink a glass or two of local wine a day -- absent nitrates and pesticides -- and benefit hugely from daily doses of their local honey, a unique blend rich in anti-bacterial and anti-inflammatory compounds.

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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!

Hawthorne Terrace Once you have made the decision to retire and sell your home, it is important to educate yourself when selecting an independent retirement community. You can narrow your search to areas where you would feel most comfortable living, and be sure to give yourself time to “shop” a few communities to make the choice that best fits your current and future needs. As an independent living facility, Hawthorne Terrace offers a great life for active seniors. There you can enjoy senior living in a luxurious lifestyle. Located in a quiet residential neighborhood, this park-like setting overlooks Honey Creek Parkway in Wauwatosa. Its beautiful historic landmark building has been transformed into a spacious 100-unit senior apartment community. Besides being only minutes from all the conveniences of Wauwatosa, our Hawthorne Terrace community offers many amenities to residents, including an attentive, caring staff that is available 24-hours a day. There is also an onsite hair salon, bank, fitness center, convenience grocery store, library, whirlpool and more. All the things you need to feel part of the “neighborhood.” Hawthorne Terrace offers 24 different spacious floor plans to choose from. And unlike most retirement communities, there are no entry or endowment fees. This retirement community is for seniors 55 or older. Call for your viewing appointment at (414) 258-9772.

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.

2010

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new retirement guide

Celebrate you 95th from page 22 No surprise, I adored my brief visit to Ikaria and can't wait to return. I want to spend more time hiking in the mountains, soaking in the healing hot springs (a tourist attraction since 600 B.C.) and much more time without my Timex. Opa! Marilynn Preston -- fitness expert, personal trainer and speaker on healthy lifestyle issues -- is the creator of Energy Express, the longestrunning syndicated fitness column in the country. She has a website, http://marilynnpreston.com and welcomes reader questions, which can be sent to MyEnergyExpress@aol.com.

50 PLUS It’s not an age. It’s an attitude!

October 21 October 2010

n e w s

m a g a z i n e

Serving Southeastern Wisconsin For Over 20 years!

Radio talk show’s

Vol. 22 No. 10

Jonathan Green

to close the book on career here BY JACK PEARSON

One summer day long ago, when I was about six years old, my uncle Bob told my mother he was going to teach me how to swim. She said fine, and he took me out to Pewaukee Lake. He rented a boat, we both hopped in and he motored out into the middle of the lake whereupon he picked me up and threw me overboard. He moved the boat away about 20 yards and called down to me, gasping and thrashing about for my life, that I could make it back to the boat if I swam. So I did. All of which came back to me the other day as I sat talking to Jonathan Green, one of Milwaukee radio’s long time favorites, who will be retir-

ing in December. Among many other reminiscences, he recalled how he became a radio announcer. “I was in my first year of college at Cornell,” he said, and one day I saw a sign announcing tryouts for the school’s radio station. “I had absolutely no experience in radio or speech or whatever, but I didn’t have anything else to do. I found out where the station was and went in and asked about the job. I was taken into the control room and introduced to the fellow on the mike. As I recall his name was George Warren. So he sat me down next to him and told me how to put records on the turntable, and get them to play. He said a few words on the air before and after every record. Then after one of them, See JONATHAN GREEN on page 17

If there’s anything Green likes more than yakking away on radio, it’s rolling over the countryside on his beloved Harley-Davidson motorbike, especially with one of his granddaughters riding with him.

Morality and Politics go hand in hand Anti-government, anti-tax rhetoric is dominating the political landscape with elections weeks away. That talk is being tested by very difficult times. In mid-September state health officials said $675 million more will be needed for state health programs in the next biennium. That’s on top of the $2.7 billion gap facing the next governor and Legislature. The anti-government, anti-tax talk isn’t new. Just four years ago conservatives were pushing a proposed “taxpayer protection” constitutional amendment to effectively curb state government revenue and spending.

State Capitol Comment By Matt Pommer

Republicans, who then had large legislative margins, saw the amendment as a way to curb the power of Democratic Gov. Jim Doyle. The amendment died after religious leaders – Catholic, Protestant, Jewish – said it was against Judeo-Christian morality if it restrains government to

do what is right. Clergy, priests and rabbis carried the message to their people. “The title of the amendment asserts we need to be protected from a large impersonal government. But no amendment can protect us from the moral claims of our neighbors,” the leaders wrote in joint statement published in the Milwaukee JournalSentinel. “No Taxpayer Protection Amendment can protect us from the moral claims of our children to a quality education,” they wrote. “No amendment can protect us from the

moral claims of our parents and other elderly neighbors to income security, care and services they need to live in dignity.” Continuing, they asserted: “No amendment can protect us from the moral claims of the ill for health care and developmentally and physically disabled to human service that permits them to participate fully in community life. And in the final analysis, no amendment or slogan can protect us from the judgment of history.” See POMMER on page 23

Pick Up a Copy today! to Saran Piehl advertise call 262-367-5303

Five Star Quality Care As you think about retirement, you should: prepare for your future, anticipate possible lifestyle changes and plan ahead. These simple steps can minimize stress by putting you in control of your decisions for your future. And at Five Star Quality Care, we can help. When you become a member of the Five Star Senior Living family, we help you live well for life. With specialized skilled nursing care throughout southeastern Wisconsin, our residents never need to search for care simply because they have new needs. The care they need is all in the Five Star family. Here are just a few: Virginia Health and Rehabilitation Center, Waukesha. It has been recognized for being an outstanding place to turn to after surgery or an extended illness. The therapies and 24-hour nursing care are available help our short- and long-term residents with complex medical challenges live healthier. Brookfield Rehabilitation and Specialty Care, Brookfield. This is the only skilled nursing facility in Wisconsin with both a Dialysis Center and a ventilator unit on-site. Here we are able to care for residents who need specialized renal and pulmonary care. We offer hospital-quality care in a home-like atmosphere. River Hills West Healthcare Center, Pewaukee. In addition to skilled nursing and rehabilitation, it is home to Five Star’s award-winning Bridge to Rediscovery memory care program. To learn about Five Star Quality Care and what it has to offer visit www.5sqc.com.

Quality Care in a Superior Setting

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

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

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Retirement is a time to enjoy life, keep active and volunteer. The people at New Horizon Property believe it is important to help others. This is the heart of their non-profit church organization. New Horizon Property has been providing housing for seniors and the physically challenged for more than 22 years. The goal of New Horizon Property is to provide clean, safe and affordable housing for all of our seniors and the disabled. The organization believes all seniors and those with disabilities should be safe, happy and well cared for. If we all work together this is an obtainable goal.

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.

Even if you are retired, New Horizon Property says we all need to help others by using our skills and talents, whether it is through your church or in your community. “Our youth need your guidance and wisdom. With the experiences you have had, it is important to stay involved.”

We have lovely, affordable Apts., Available now on the Northwest side of Milwaukee. 62 or older and physically disabled

1 Bedroom Units, some with EXTRA Storage Appliances Included Laundry Room Community Rooms Secured Lobby Rent Based on Income Call For Info:

262-242-2878 2010

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New Horizon Property

Bruce Nemovitz advises to plan ahead

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Rivershores Regency offers luxury apartments 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 in each apartment. For more information, visit our website at www.RivershoresRegency.com or contact Dave Dondlinger at 262-483-9150.

Now is the time to enjoy a relaxed carefree lifestyle and focus on what you enjoy most. Harwood Place was developed to offer 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 coffee 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 fine 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 fitness 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 offers supportive care services right in the comfort of your own apartment, should you find 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.

$BMM UPEBZ GPS JOGPSNBUJPO PS B UPVS t 414-256-6800

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Wealth Management

Integrity is more than a name, it is who we are. We look forward to serving you. Frank A. Busalacchi, AIF® President 20935 Swenson Drive, Suite 125, Waukesha, WI 53186 Ph: (262) 754-6777 • Fax: (262) 754-6798 www.integritywm.com

• Heat and Water Included • Elegant Community Room • Shopping Van • In Unit Laundry / Laundry on

each floor • Underground parking • Controlled Access Entry System

• Social Activities • Guest Suite • Fitness Room • Car Wash • Computer Room / Libary • Hair Salon / Bank on Site • Pet Friendly

3601 S. 147th Street, New Berlin (just south of National Ave.)

Call us today.

262-641-9410

M EADOWMERE S ENIOR L IVING C OMMUNITY

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

Come Home to.........

East Terrace Apartments of

Waukesha QUALITY SUBSIDIZED SENIOR HOUSING • Convenient Downtown Location • Free Parking-Secure Entry System • Beauty Salon-Community Room • Social Activities 801 North East Ave. • Waukesha, WI 53186 2 62-544-9757

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

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new retirement guide

Your Doctor as a Teamate By Doug Mayberry

As retirees, all of us understand both patients and doctors are being challenged in our attempt to learn how to communicate our medical and ethical desires to each other, how to determine the most effective diagnosis for our illnesses, and how to find a way to pay for the ongoing health costs. Last week, our doctor initiated his new website. He recommends we access it for appointments, non-emergency questions as well as billing and administrative issues. Although we like the idea, we wonder, if in the long run, we will have less opportunity for face-to-face visits with him? Do you agree?

In growing up, our parents relied on their doctor as their expert. They accepted

his diagnosis and judgment and swallowed his pills. Today, patients want to become more involved as a partner in choosing their health decisions. Patients are trying to become more knowledgeable before their appointments. By accessing the websites, reading medical journals and newsletters and finding others who have or are experiencing similar health issues, it is possible to become more comfortable asking your doctor questions and asking for answers before agreeing on his or her medical options. As many patients have learned, taking multiple pills can cause side effects if they are not monitored. Because of costs, many patients are willing to consider generic brands. Some patients are cutting or skipping pills or not even taking them. On the flip side, doctors are being bombarded with discoveries of new "wonder"

pills, promises of gene study research and hopes for new diagnostic equipment. A current major factor is Medicare's upcoming new regulations and how much it will cost -- what it pays for and doesn't include. The time of patients and doctors becoming members on the same team has become more vital than ever. Patients' files do not always include the details of existing condition and desires. Put yourself in the position of being your doctor. Write down all the information you would want to know before you had to make a decision. Make sure to leave him a copy. Choose education over agitation!

Arm yourself 速 for the ones you love

Flu shots $29every day.

Coming this fall

We also accept many major insurance plans. No appointment necessary! See store for details. Register for your flu shot today at Walgreens.com/flu.

Give the gift of better health. Flu shot gift cards now available! Restrictions apply. See card for details. Price may vary for certain forms of the flu vaccine. Vaccines subject to availability. State, age and health-condition related restrictions may apply. Other vaccines may be available. See pharmacy for details.

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Gracious Living

The heart of senior living in Oak Creek.

INDEPENDENT LIVING WITH

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

• 1 & 2 bedroom $600 • $700 including utilities • 24 hr. maintenance • same floor laundry • elevator • library • community room • game room & garden • professionally managed • sm. pets welcome.

For Independent Seniors 55 & Better 414.769.9240

3120 E. Norwich Avenue St. Francis, WI 53235

thompson@accmgmtgroup.com

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

+ and

Pay only 30% of gross income for rent! 1 Bedroom Apartments Located in Milwaukee, Wauwatosa, Butler, and Racine Ask About Immediate Openings! Call Reilly-Joseph Co.

414-271-4116

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new retirement guide Next new

COMING SOON

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2010

Welcome To the Berkshire of Oconomowoc AFFORDABLE APARTMENT HOMES

The Berkshire of Oconomowoc offers luxury and comfortable housing in the beautiful community of Oconomowoc for independent adults 55 and older.

Super Rent Specials Available

262-567-9001

210 S. Main Street • Oconomowoc, WI 53066

• One and two bedroom apartment homes • Heat and hot water included • Controlled access entry system • Private patio or balcony on most units • Library/computer room, exercise room • Underground and surface parking • Oconomowoc Area Senior Center on site • Professional on-site management & maintenance • We accept pets - some restrictions apply

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Peace of Mind Services Title 19 & Pre-Arrangements

Simple Cremation $595.00 (Excluding Cremation Permit & Fee)

Traditional Funerals $1, 395.00 at your Church or Cemetery Chapel of your choice Call for more details

414.453.1562 SERVING ALL OF WISCONSIN

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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.

American Republic Thinking about retirement? Before you do, make sure you have your financial house in order. American Republic is a financial company that specializes in asset protection for seniors. As a diversified insurance company that offers its clients innovative and tailored health insurance products, it can offer you the advice you need for a more secure future. American Republic can help you with forms (to change your address, order a duplicate ID card or just manage your automatic payment options), finding a doctor or hospital, getting preauthorization, contacting customer service and the option of being a member of a lab card select program. When the staff at American Republic come to work, they know they are able to ensure their clients the peace of mind that no matter what the problem is or the situation it will be taken care of by them. They put their clients first. Some of the ways they do that are by: · Being crystal clear on exactly what our products do and do not cover. · Maintaining honest, ethical business standards. · Delivering excellent coverage and exceptional service at competitive prices. · Immediately delivering on our promises, without question. · Putting customers first. Serving agents and employees. Not only are those the smart ways to succeed at business, they’re the right things to do. If you are looking for some advice about insurance or Medicare, contact American Republic Insurance Company at AmericanRepublic.com.

2010

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Trinity Court offers freedom

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RIDE. PLAY. DINE. Line runs to Potawatomi Bingo Casino in downtown Milwaukee offer convenience, safety and, above all else, a great time! Plus, when you arrive at the Casino you’ll experience the best in gambling with 3,100 slot machines, 108 table games, a 1,354-seat Bingo Hall and Off-Track Betting as well as great dining and entertainment. Check out the packages below: Monday–Saturday Package (arrivals prior to 2 p.m.) U $10 in FKC Reward Play valid that day U Lunch at The Buffet Cost per package starting at $16. Sunday and Late Afternoon Package U $15 in FKC Reward Play Cost per package is $14. Receive a $2 discount when you make reservations by 3 p.m. the day prior to your trip for either package. Have a Large Group? If you have a group of 35 or more people, call Jaclyn at 1-800-416-2049 to customize your line run package. Prices vary and discounts do not apply to customized line runs.

# SPECIAL OFFER FROM DECEMBER 2010–FEBRUARY 2011# When you participate in any line run, you’ll receive an additional $5 in FKC Reward Play to use on a return visit within two weeks.

Call Badger Bus toll-free to reserve your seat today. 1-877-894-6287

1721 WEST CANAL STREET • MILWAUKEE, WI 53233 • 1-800-PAYSBIG • PAYSBIG.COM • PACKAGES AVAILABLE UNTIL DECEMBER 30, 2010 • A FOUR-HOUR MINIMUM STAY IS REQUIRED • ALL GUESTS MUST SHOW A VALID PHOTO ID MUST BE AT LEAST 21 YEARS OLD AND A FIRE KEEPER’S CLUB® MEMBER TO PARTICIPATE • WINNERS RESPONSIBLE FOR ALL TAXES • MANAGEMENT RESERVES ALL RIGHTS • GAMBLING PROBLEM? CALL 1-800-426-2535 ©2010 FOREST COUNTY POTAWATOMI COMMUNITY, WISCONSIN