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What’s New for Phase Two of Your Life....
Presented by
Realty Executives
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e began focusing on senior’s real estate issues about 20 years ago when Jeanne and I were asked to speak at a senior community. There was a need for empathy and understanding of the issues older adults and their families face when transitioning from their long time home to a senior community. There was such a powerful response from those listening to our talk. We realized at that moment that this was our calling! Jeanne and I also felt a need to impact the lives of our clients in a powerful way, and working with our senior clients fit the bill! I decided to put my writing skills to work by authoring two books relating to the topic of preparing and downsizing a home of many years, selling a home, and moving to a senior apartment or community. We developed so many wonderful relationships throughout the 4-county Milwaukee-Metro area as our talks expanded to various senior communities. Jeanne and I then began to form a team of professionals dedicated to serving our senior population’s real estate needs such as contractors, handymen, packing and sorting companies, moving companies, staging and all the other services needed to help make their move a smooth and successful journey to their new home. About 12 years ago, I wrote my first article for 50 Plus Magazine and have been writing monthly articles ever since. I try to focus on real estate issues that are tak-
ing place in real time that affect our 50 plus readers. The readership has grown over the years and I receive quite a bit of positive feedback from my readers thanking me for focusing on older adults and providing needed information. I have had the honor to help educate my fellow Realtors by giving webinars, seminars, and collaborating with other agents who are also focusing their efforts or helping and guiding their clients through this tough transition. Jeanne and I were recently honored by being a team finalist in the Better Business Ethics Awards for our efforts in working with our senior clients and their families. We are constantly learning from our very wise elderly homeowners and developing new and better solutions to meet the demands and issues of those transitioning to a senior community. Jeanne and I love what we do and know that in some small way we are impacting the lives of our seniors and their families in a positive way. We are given the gift of being a part of their lives at such a critical time in their lives. We could never have imagined that our real estate careers would be so fulfilling and gratifying. Thank you for reading my articles and the privilege of helping guide both you and your families through your real estate journey.
“I WISH WE WOULD HAVE DONE THIS SOONER!” T R U S T. E X P E R I E N C E . I N T E G R I T Y Making the decision to sell your home can be overwhelming. We truly understand just that, and can make the transition to easy living as smooth as possible. Selling your home doesn’t have to be a burden, we can help! CONTACT US TODAY FOR A FREE CONSULTATION: (262) 242-6177 www.BrucesTeam.com | Jeanne@BrucesTeam.com | Bruce@BrucesTeam.com 2 | next 2015
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RETIREMENT
Toolkit A
fter years of hard work, you are looking forward to retirement. Choosing when to retire is an important decision and involves a number of issues you may want to consider in your retirement planning. The more you know before you start making decisions, the better off you will be in retirement.
This retirement toolkit is brought to you by the three federal agencies involved in key elements of your retirement planning and security: the Department of Labor, the Social Security Administration and the Centers for Medicare & Medicaid Services. RETIREMENT cont. on page 5
Timeline for Retirement Planning
The toolkit includes a list of publications and interactive tools to help in your planning, plus information on how to make contacts with your specific questions. It is important to start early and be well informed so you can make timely decisions and, if necessary, make changes while you still have time before retirement. The timeline below can help you plan for the kind of retirement you want.
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Begin making catch-up contributions, an extra amount that those over age 50 can add to 401(k) and other retirement accounts. Check your Social Security Statement online every year for earnings accuracy and to learn what your estimated benefits will be.
No more tax penalties on early withdrawals from employer provided retirement savings plans such as 401(k) plans and other individual retirement accounts, but leaving money in means more time for it to grow. Also, withdrawals will be taxed as regular income.
62 Earliest age to collect Social Security retirement benefits; however, claiming before the full retirement age results in reduced monthly benefits.
65
66
67
70
Sign up for Medicare and Medicare Part D.
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Receive Social Security full benefits, depending on your birth year.
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Start taking minimum withdrawals from most retirement accounts by this age; otherwise, you may be charged heavy penalties in the future.
Earn Social Security Delayed Retirement Credits, which increase monthly benefits for each month claiming is delayed between the full retirement age and age 70.
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2015
50
What’s New for Phase Two of Your Life....
Presented by
2015 www.mymilwaukeelife.com
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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 us at 262-367-5303 ext.12 P.O. Box 230, Hartland, WI 53029
follow us on facebook at 50PlusNewsMagazine
Copyright 2006 by Eastern Wisconsin News and Views All rights reserved.
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RETIREMENT cont. from page 3
Retirement Saving Plans
Your employer’s retirement savings plan is an essential part of your future financial security. If you have a 401(k) or other retirement savings plan at work, sign up and contribute all you can. If your employer also contributes to the plan, sometimes as a matching contribution, find out how much the employer match is and how much you need to contribute to get all of it. As noted in the timeline, at age 50, you can begin making catch-up contributions to save even more for retirement. Don’t touch your retirement savings. The longer you leave the money there, the more time it has to grow. If you take money out too early, before age 59½, not only do you lose principal and interest, but you may have to pay a tax penalty. At age 70½, you will need to start taking a certain amount out, called a minimum required distribution, or risk paying a penalty. It is also important to understand how your plan works and what benefits you will receive. Learn about the different features or provisions of your plan. Ask your plan administrator, human resource office, or employer for information. Also learn about the rights and responsibilities you have under the federal law that governs your plan, the Employee Retirement Income Security Act (ERISA). While you are working, take a look at how much you have saved for retirement, how much you might receive in Social Security benefits, and what other assets you have. Also, look at your current expenses and think about what they will be in retirement. For instance, your work-related costs will likely go down, while health care costs likely will increase. Starting now can help you make changes while there is time before you retire to make up any savings gap or adjust your goals. Also remember to check your plans at least once a year to see if you need to make changes to stay on track to a secure retirement.
Social Security
Choosing when to begin receiving Social Security benefits is an important part of deciding when to retire. If you choose to start receiving benefits when you reach full retirement age, you will receive your full benefit. If you delay claiming benefits beyond full retirement age, you can earn credits that increase your monthly benefit by about eight percent for each year you delay claiming, up to age 70. If you start collecting Social Security benefits before you reach full retirement age, your benefits will be reduced by up to 30 percent, depending on when your benefits start. Social Security’s full retirement age depends on the year in which you were born. If you were born in 1942 or earlier, you are already eligible for your full Social Security benefit. If you were born between 1943 and 1954, your full retirement age is 66. If you were born between 1955 and 1959, your full retirement age increases gradually until it reaches age 67 for those born in 1960 or later. If you claim benefits before
your full retirement age and continue to work, your income will be subject to the retirement earnings test and your benefits could be reduced if your earnings exceed a certain limit. However, once you reach full retirement age, your monthly benefit will be increased permanently to account for any months in which benefits were reduced. The retirement earnings test no longer applies after you attain your full retirement age and your benefit will not be reduced no matter how much you earn. Once you claim benefits, your benefits will be adjusted annually to reflect the increase, if any, in the cost of living.
Medicare Parts A & B
If you’re already getting Social Security benefits, you’ll automatically get Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) starting the first day of the month you turn 65. If your 65th birthday is on the first day of the month, Part A and Part B will start the first day of the prior month. Medicare will mail you a Medicare card and general information before the date you become eligible. In most cases, you usually don’t pay a monthly premium for Part A coverage if you or your spouse paid Medicare taxes while working. However, Medicare Part B is a voluntary program that will normally require you to pay a monthly premium. If you don’t want to keep Part B, you must follow the directions when you get your Medicare card to let Medicare know you don’t want it. Otherwise, keep your card and you’ll be charged the Part B premium. If you aren’t receiving Social Security benefits by age 65, and you want to enroll in Medicare, you should contact Social Security and sign up during your Initial Enrollment Period. In most cases, this is the seven month period that starts three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65. Important: In most cases, if you don’t sign up for Medicare Part B when you’re first eligible, you may have to pay a late enrollment penalty for as long as you have Medicare coverage. If you’re covered under a group health plan based on your or your spouse’s current employment, you should contact your employer benefits administrator to see if it might be best to postpone Part B enrollment until you or your spouse retires. This decision will depend on how your insurance works with Medicare. Once your employment ends, you’ll have an eight-month Special Enrollment Period in which to sign up for Part B. You won’t have to pay a penalty if you sign up during this period. Note: These eligibility rules are general and apply to people who are nearing their 65th birthday. Visit www. medicare.gov to learn about eligiRETIREMENT cont. on page 7 2015
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CapTel® Captioned Telephone CapTel® Captioned Telephone gives you the confidence to enjoy telephone calls knowing you’ll catch every word, every time. Like captions on TV — for your telephone. Only CapTel offers different model phones to match your lifestyle. If you prefer the comfort of a traditional-style telephone, try the CapTel 840i! It has the classic look of a traditional telephone with a large keypad and easy-to-read display screen. If you love the convenience of a touch-screen display, try the CapTel 2400i! The tabletstyle display and helpful graphic menus make it easy to use. Do you need larger caption sizes? No problem! The extra large display screen on the CapTel 880i helps make sure you don’t miss a word.
No matter what you are most comfortable with, there is a CapTel phone for you! There are even apps to enjoy CapTel captions on your cell phone or mobile device.
When it comes to your conversations, trust your calls to CapTel. 1-800-233-9130 www.CapTel.com
It’s Your Call! Enjoy phone conversations confident you’ll catch every word! The CapTel® Captioned Telephone shows you captions of everything the caller says. • Built-in answering machine • Extra large display screen with variable font sizes & colors • Includes free captioning service (no monthly fees or contracts required)
CapTel® 840i
Don’t miss another word!
www.CapTel.com 1-800-233-9130
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CapTel Captioned Telephone service is designed exclusively for individuals with hearing loss. It’s funding is regulated by the FCC.
RETIREMENT cont. from page 5
bility rules for other situations. Parts C & D You must have Medicare Parts A and B to join a Medicare Advantage Plan (Part C). You must have Part A or B to get Medicare prescription drug coverage (Part D). (In most cases, if you have End-Stage Renal Disease (ESRD), you can’t join a Medicare Advantage Plan.) There are specific times when you can sign up for Medicare Advantage (Part C) and Medicare prescription drug coverage (Part D), or make changes to coverage you already have: 1. When you first become eligible for Medicare. 2. Between October 15–December 7 each year. 3. Under certain circumstances that qualify you for a Special Enrollment Period, such as the following: • You move. • You’re eligible for Medicaid. • You qualify for Extra Help with Medicare prescription drug costs. • You’re getting care in an institution, such as a skilled nursing facility or long-term care hospital. Important: To avoid paying a Part D late enrollment penalty, you’ll need to sign up for Part D when you first
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become eligible for Medicare or you’ll need to show proof of creditable drug coverage if you join the plan later. Creditable prescription drug coverage is coverage that’s expected to pay, on average, at least as much as Medicare’s standard prescription drug coverage. Your current employer health plan tells you each year if your drug coverage is creditable coverage. Elder Rights and Protection against Fraud and Abuse Elder abuse, including financial exploitation and fraud, is a growing problem. Financial exploitation can take many forms, including cashing checks without permission; misusing or stealing money or possessions; coercing or deceiving an older person into signing a legal document; and the improper use of conservatorship, guardianship, or power of attorney. Concerned individuals who spot the warning signs of a possible problem can call state and local agencies for help.
Helpful Retirement Websites Savings Fitness: A Guide to Your Money and Your Financial Future – This financial planning tool provides an easy-to-follow process for setting goals and priorities, as well as how to include a secure retirement as part of an overall financial plan. http://www.dol.gov/ebsa/pdf/savingsfitness.pdf Also available in Spanish. http://www.dol.gov/ebsa/pdf/savingsfit nesssp.pdf Top 10 Ways to Prepare for Retirement – This publication provides ten steps to help you get started preparing for retirement. http://www.dol.gov/ebsa/Publications/10_ways_to_ prepare.html Also available in Spanish. http://www.dol.gov/ebsa/publications/10_ways_to_ preparesp.html
Women and Retirement Savings – This publication gives helpful tips for women. http://www.dol.gov/ebsa/ publications/women.html Also available in Spanish. http://www.dol.gov/ebsa/publications/womenspn.html Filing a Claim for Your Retirement Benefits – This publication describes the plan’s obligations and briefly explains the procedures and timelines for filing a claim for retirement benefits. http://www.dol.gov/ebsa/publications/ Filin gRetirementClaim.html Also available in Spanish. http://www.dol.gov/ebsa/publications/ filingretirementclaimsp.html What You Should Know About Your Retirement Plan – This booklet helps you understand your
retirement plan and explains what information you should review periodically and where to go for help with questions. http:// www.dol.gov/ebsa/publications/wyskapr.html Also available in Spanish. http://www.dol.gov/ebsa/publications/wyskaprsp.html
Can the Retiree Health Benefits Provided by Your Employer Be Cut? – This publication explains how some employer-provided health care plans can carry over to retirement. It is important to understand how secure those benefits are. http://www.dol.gov/ebsa/publications/retiree_health_ benefits.html A Look at 401(k) Plan Fees – More and more employees are investing in their futures through 401(k) plans.
The
publication highlights the most common fees to help 401(k) plan participants to make informed investment decisions. http://www.dol.gov/ebsa/publications/401k_employee. html
Life Changes Require Health Choices...Know Your Benefit Options – This booklet addresses
marriage, divorce, loss of a spouse, and other life events that may require changes in your health coverage. http://www.dol.gov/ ebsa/publications/life_changes.html Also available in Spanish. http://www.dol.gov/ebsa/publications/lifechangessp. html
Work Changes Require Health Choices – Protect Your Rights – This booklet addresses retirement, job loss, and other work events that may require changes in your health coverage. http://www.dol.gov/ebsa/publications/ work_changes. html Also available in Spanish. http://www.dol.gov/ebsa/publications/workchangesSP. html
QDROs – Qualified Domestic Relations Orders – This publication provides information about the division of a participant’s interest in a retirement plan during separation, divorce, and other domestic relations proceedings. http://www. dol.gov/ebsa/publications/qdros.html
WEBSITES cont. on page 14 2015
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Rent A Daughter
Thompson Meadows
or the past 30 years, aging adults and those who love them have found Rent-A-Daughter to be a compassionate and loving provider for their needs. We are a family owned home care agency with a mission to help older and convalescing adults live independently by providing non-medical home care. Because of the communicative and nurturing spirit of the business and the intentional matching between caregiver and client, Rent-A-Daughter is a seamless extension of the love, warmth and compassion people receive from their own families. Together, our owners, office support staff and caregivers create a network of people who are committed to providing care for those we serve. Our core belief at Rent-A-Daughter is that every person, throughout every season of life, is deserving of love and respect. Since 1985, we have had the privilege of embodying that belief by helping older and convalescing adults live their lives to the fullest. Celebrating each of life’s seasons, we are committed to providing caring hands for aging hearts.
hompson Meadows has modern and affordable senior apartment homes located in a quiet residential country-like setting at 3120 E. Norwich Avenue in St. Francis for independent seniors 55 and better. Our spacious one and two bedroom apartments have large open kitchens, huge closets, shared floor laundry facilities, air conditioning, small pets welcome (some limitations apply), secured entrance and cable TV hook up. Advantages to living at Thompson Meadows include being close to shopping, handicap accessible and convenient access to interstate. Other amenities you will find at Thompson Meadows include a library, community room and game room, 24 hour maintenance, emergency pull cords in bedroom and bathroom and an elevator. We have a gazebo and garden on our grounds. We’re offering at this time the 1st month free rent. Rents starting at $600 with a $99 security deposit due. Thompson Meadows is professionally managed and you can contact Sheila Crabb at 414-769-9240 for any details or email thompsonmeadows@aol.com.
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Just like family, Rent-A-Daughter provides an extra pair of hands, a warm heart and a friendly smile to make each day easier. Call us when you or someone you love could use help with cooking, shopping, running errands and other domestic needs.
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• Country like setting • Gazebo & Garden • Huge closets • Large open kitchens • Same floor laundry • 1 & 2 bedrooms starting at $600 • Small pets welcome • Elevator • Library Security Deposit
$99
2BR apartment Now available
Professionally Managed
For Independent Seniors 55 & Better 414.769.9240
3120 E. Norwich Avenue • St. Francis, WI 53235 thompsonmeadows@aol.com 8 | next 2015
Interfaith
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here are more than 153,000 adults over the age of 60 in Milwaukee County. While many older adults remain active and independent, others are isolated, frail and in great need of help in day-to-day living. At Interfaith Older Adult Programs, more than 2,350 volunteers donate their time, energy and resources each year to help adults 50+ in the Milwaukee area stay healthy, active and engaged in their communities. Last year, Interfaith served nearly 17,000 clients in Southeast Wisconsin. Thousands of those clients are older adults who take advantage of the variety of resources and engaging activities Interfaith provides to support our mission of “Linking Older Adults with a Caring Community.” Other clients are caregivers seeking resources and support on how to care for their aging parents. “If mom and dad are getting older, and you want to help them stay active, are concerned about their health and well-being, or you just need a little help, we want you to know that Interfaith is here for you,” said Felice Green, PR/Marketing Director for Interfaith. Social isolation is a concerning and serious problem among our aging population, so it’s important that older adults have an active lifestyle. And providing safe, engaging and fun activities for older adults is one of Inter-
ne xt faith’s primary goals. Older Adults in the Milwaukee area can visit one of the six senior centers Interfaith manages and take part in fun, engaging activities, such as wellness and fitness classes, stained glass, woodworking, socializing with other older adults, and even day trips around Wisconsin. Participation at the senior centers is free, with the exception of Hart Park Senior Center in Wauwatosa, which has a small annual fee. In addition, Interfaith manages eight senior dining locations where adults 60+ receive a hot, nutritious meal. Meals are free. Many older adults, especially in the Baby Boomers’ generation, are looking for ways to not only stay active, but also give back to their community. Through Interfaith’s Retired and Senior Volunteer Program (RSVP), adults 55+ can become tutors for MPS grade school students, foster grandparents, senior ambassadors, or companions to people in need, such as veterans or other older adults. Interfaith has volunteers ready to help make safety a priority to our older adults by providing free services, such as rides to medical appointments or the grocery store, making friendly home visits, helping with seasonal chores, assisting veterans, daily telephone safety checks, and much more. For more information call Interfaith at (414) 2208686 or online at www.interfaithmilw.org.
A leader in older adult and family caregiving services. For 40 years Interfaith Older Adult Programs has made a positive difference in the lives of thousands of older adults, caregivers and volunteers.
We connect adults 50+ with opportunities to share their expertise, experience and talents to build stronger, connected communities. Whether you are looking for support or are interested in volunteer opportunities to connect with, we are here to help. Get in touch with us today to discover all we have to offer.
(414) 220-8686 or www.interfaithmilw.org
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My name is Jack Zimmermann. My passion in life is helping people into a wonderful Medicare Supplement with a wonderful company called Physicians Mutual. Being 114 years old, they know what they are doing! They have a new program called “Age Forgiveness”, in which people age 66-68 start at the rate of a 65 year old. ALL of our plans give you unlimited preventive care, including that NOT covered by Medicare. We have had 2 consecutive years of rate DECREASES, and have one of the lowest rate increase histories in the business. I will ONLY represent Physicians Mutual – No other company is this stable and this benefit-rich! I myself am on the plan, and love it!
For a chance to move to a better plan, at a great price, please give me a call a
(920) 382-4242 or E-Mail me at Jackzimm1946@gmail.com. Remember that you can change a Supplement at ANY time of the year. I look forward to helping you into a great plan.
PREARRANGEMENT SERVICES • Burial options made simple • Cremation packages • Personalized memorial estates • Affordable payment plans Contact us to review per planning options that make sense to you. 414.461.4612 • www.pinelawn.net • like us on
Universal Services Senior Move Management
- Professional downsizing, organizing, packing, moving, unpacking services
Universal Transportation Systems - Senior Transportation
262-257-0250
universalserviceswi.com
Wisconsin’s Premiere Senior Moving Company 10 | next 2015
next? Phase two Lamers What’s of the rest of your life.
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e have arrived at a crossroads we face as an individual or often as a couple. Phase two is a time to reward achievement and recognize our accomplishments. Constraints of careers, job and family responsibilities are loosened. We eagerly research our options and start shaping our quality of life. Whatever we do, a new lifestyle is imminent. Once again, we take action and we continue the journey. Group travel with Lamers Tour & Travel presents an affordable carefree option that can be part of your lifestyle. Lamers creates rewarding and enjoyable experiences inclusive of discovery, fellowship, fun, food and joy. Lamers takes you to destinations you have never visited, or returns to places you’ve been to recapture memories while making new ones. Pick a destination, direction, favorite interest or specific subject. Our vast tour inventory is spread throughout the year offering options across North America and beyond. New customers may start with a shorter tour giving them an idea of what motor coach travel is like. Soon they will build on this with a bigger trip. Folks often set a mission with a series like the National Parks, New England or patriotic themes ticking each tour off the list, eventually experiencing them all. Resorts, seasons, festivals and entertainment are also venue targets perfect for active second phase travelers. Every day will be a memorable experience when you are on a Lamers tour. Phase Two of your life is all about continuing the journey. Be sure to take a trip with Lamers Tour & Travel as part of your plan. Call us for your free Travel Planner!
Tudor Oaks
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Independent Living for Seniors: The Affordable Solution
here are a number of issues to consider when looking into changing your address. In most cases, for seniors, it comes down to 3 main issues: Money – will I have enough, Health – what if I need help, Lifestyle – I want to be happy. Let’s explore the affordability of a senior living option that most people shy away from, the Continuing Care Retirement Community (CCRC), which offers a positive outcome for these concerns. The affordability of a CCRC is sometimes not explored because the possibility of a deposit (also known as an accommodation or entrance fee) stops people in their tracks. That deposit, whether refundable or a Life Care option, provides the opportunity to leave your children a larger inheritance than you ever thought possible. At the same time, it gives you the financial and healthcare security you are looking for. It is a real asset protection plan for life. As a general definition, a Life Care Community provides its residents “care for life”. The life care deposit covers the lifetime use of the residence and all common areas as well as unlimited use of the assisted living and skilled nursing services. Life Care removes future financial worries about health care needs by including priority access to assisted and nursing care at little to no increase in monthly service fees. The deposit can be refundable
depending on the financial option that makes the most sense for you. Life on a CCRC campus can be much like resort style living. The amenities that are included offer numerous educational, recreational and entertaining options. Restaurant style dining, casual bistros, theaters, fitness centers with pools and whirlpools may be part of the CCRC lifestyle at no additional cost. Today’s seniors want to live within their income, protect their assets, and leave an inheritance for their heirs. Advertising and phone calls reach thousands of prospects hoping to encourage them to make a change. What do you need to know to make the right decision? The answer is simple. Talk with professionals who understand the options and can help guide you to the best solution for your situation. These professionals can help you sort through the many lifestyle choices and financial options and help you create a plan that makes sense for you. Senior communities are not all the same. Learn all you can, ask questions and take a personal tour to get the information directly from the senior living community you are interested in. If you are considering a change of address be sure to investigate the options and opportunities a Continuing Care Retirement Community offers. Information provided by Tudor Oaks Senior Living Community
Tudor Oaks Amazing
...An Retirement Option!!!
Come see for yourself! S77 W12929 McShane Drive, Muskego, WI 53150
www.TudorOaks.net
Tudor Oaks Retirement Community is owned and operated by American Baptist Homes of the Midwest, a not-for-profit provider of senior housing and healthcare since 1930.
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Invest in your vision for retirement
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Steps to Take Are you focused on a bright, clear future or a retirement clouded by poor vision? The picture may be up to you. “Up to 50% of all blindness in the U.S. is preventable— if people pursue prompt diagnosis and treatment,” notes Dr. Brett Rhode, Head of Ophthalmology at Aurora Sinai Medical Center. His partner at Eye Care Specialists, one of the state’s leading ophthalmology practices, Daniel Ferguson, MD, adds, “Planning and investing in regular eye check-ups can benefit your sight, attitude, freedom and bank account.” For example, age-related vision impairment is a leading cause of disability and nursing home placement. It creates increased expenses in terms of doctor visits, special transportation, medical supplies and services. Vision loss also causes: difficulty doing tasks (cleaning, cooking, reading, seeing to take medicine, etc.); an increase in injuries, falls and car accidents; social issues (fear, withdrawal, depression, anger); and loss of freedom (to drive, shop, work, play, etc.) Eye Care Specialists offers the following tips for seeing life to the fullest—now and in the future: ■ Schedule comprehensive, dilated eye exams every 2-4 years ages 40-64 and every 1-2 years age 65+ to check for cataracts, glaucoma, macular degeneration, diabetic retinopathy, and other conditions. ■ Talk to your doctor. Discuss your concerns. Ask questions (see suggestions at right). ■ Follow surgery/treatment recommendations. ■ Be an informed partner in your own care. Educate yourself. Read about disease symptoms and the latest diagnostic tools and treatment procedures. For free booklets on the leading causes of visual problems during retirement, call 414-321-7035.
Questions to Ask
Dr. Mark Freedman urges people to be informed partners in their eye care by asking questions, like: ■ What is my visual acuity (on the 20/20 scale)? ■ Do I have any eye diseases or disorders? ■ What caused my condition? Is it hereditary? ■ How will this condition affect my vision
and lifestyle—now and in the future?
■ Should I watch for any particular
symptoms and notify you if they occur?
■ What kinds of tests do I need? Why? When? ■ What is the best medical/surgical treatment for me? ■ When will treatment start, and how long will it last? ■ What are the risks, side effects, benefits
and success rates of this treatment?
■ Are other treatments available? ■ Are there foods, drugs, or activities
I should avoid while I'm being treated?
■ If my treatment includes taking a medication,
what should I do if I miss a dose?
■ Will changing my diet, exercise or other lifestyle
habits help improve my condition? Would eyerelated vitamin & mineral supplements be helpful?
■ If my vision can’t be corrected, can you refer me
for low vision resources and rehabilitation services?
T Call us . . . at 414-321-7035 When you want information about cataracts, glaucoma, AMD, diabetes, dry eyes or floaters. We’ll send detailed literature—FREE. Poor vision does not have to be a fact of life as you grow older. Advances in ophthalmology have enhanced our ability to protect vision, but . . .
Leaders in Medical, Surgical & Laser Eye Care ■ Cataract, Glaucoma, Diabetes & Macular Degeneration (AMD) ■ Diagnostic Laser Scans
Our skills and state-of-the-art technology are of no use if you don’t utilize them. What will motivate you to take care of your vision? Information. If you know the risks, symptoms, tests & treatment options for various conditions, you’re more likely to take measures to protect your eyes.
■ Corneal Transplants ■ Lid and Retinal Cases ■ Dry Eyes/Infections ■ Customized LASIK ■ Pediatric Care & Surgery ■ Comprehensive Eye Exams www.eyecarespecialists.net
“Top Doctors”— Milwaukee & M Magazines Trusted by more than 130,000 doctors & patients
EYE CARE SPECIALISTS
Take the first step today, call 414-321-7035 for free brochures on any topic listed in this ad. Then, ask yourself, “When was your last eye exam?” 12 | next 2015
West Allis
Wauwatosa
Milwaukee
10150 W. National Av. 2323 N. Mayfair Rd. 735 W. Wisconsin Av.
414-321-7520
414-258-4550
414-298-0099
Mark Freedman, MD Brett Rhode, MD Daniel Ferguson, MD Daniel Paskowitz, MD, PhD Michael Raciti, MD David Scheidt, OD
In Home Hearing Aid Service • We
provide FREE tests
Our NEW State-of-the-Art facilities specializing in dementia care and individuals needing physical and medical care.
We repair all makes • We custom fit all earmolds •
PROMPT • EFFICIENT COURTEOUS SERVICE Forward Health Accepted 12 manufacturers to choose from with the latest digital technology
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Haven in Cudahy
Seven Neighborhood Assisted Living Homes located in Milwaukee &Waukesha Counties.
414.258.9955 or info@cle-ccls.com Visit our website at: www.cle-ccls.com
is a newly completed, stately 24-suite assisted living community.
Haven in Bayside
is a beautiful 20-suite assisted living community minutes from Lake Michigan in one of the most prestigious neighborhoods.
Call or email today for more information!
Greenbrook Terrace community offers a quiet
park-like setting and scenic walking paths. We are located 1 mile from Southridge Mall and are close to grocery stores, shopping, parks and the interstate.
One community for all your needs! Our Senior Apartments Feature: • air conditioning • extra storage • controlled intercom entry • carpeting
• frost-free refrigerator/freezer • electric range • abundant closet space • ceramic tile baths
• bathtub grab bars • electronic alert system in the bathroom • smoke detectors
Monday at the movies on the big screen television, monthly luncheon, management sponsored parties, card club, on-site hair salon, garden club, community room, 24-hour emergency maintenance and personable staff.
• cable ready • large storage lockers • laundry room in each bldg.
Income limited
4955 S Greenbrook Terrace • Greenfield, WI 53220 • (414) 282 5044 2015
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WEBSITES cont. from page 7
Social Security Benefits Retirement Benefits –
This publication provides an overview of Social Security and Medicare benefits. www.socialsecurity.gov/pubs/EN-05-10035. pdf Also available in Spanish. www.socialsecurity.gov/pubs/ ES-05-10935.pdf
Independent, Assisted Living and Memory Care Communities
What Every Woman Should Know – Social Security
plays an important role in providing economic security for women. This publication provides information about eligibility for Social Security retirement, disability, divorced spouse, and widow’s benefits. www.socialsecurity.gov/pubs/EN-05-10127.pdf Also available in Spanish. www.socialsecurity.gov/pubs/ES-05-10927. pdf
When To Start Receiving Retirement Benefits–
This publication explains your options in deciding when to retire and how that decision affects the benefits you will receive for the rest of your life. www.socialsecurity.gov/pubs/EN-05-10147.pdf Also available in Spanish. www.socialsecurity.gov/pubs/ES-0510148.pdf
How Work Affects Your Benefits – This publication
explains the earnings limit for people who are under the full retirement age when they apply for retirement benefits and continue to work and get benefits. www.socialsecurity.gov/pubs/ EN-05-10069.pdf Also available in Spanish. www.socialsecurity. gov/pubs/ES-05-10969.pdf
Windfall Elimination Provision – This publication explains how your retirement benefit may be reduced if you worked for an employer, such as a government agency, who did not withhold Social Security taxes from your salary. www.socialsecurity.gov/pubs/EN-05-10045.pdf Also available in Spanish. www.socialsecurity.gov/pubs/ES-05-10945.pdf Government Pension Offset – This publication explains
that if you receive a pension from a federal, state or local government based on work where you did not pay Social Security taxes, your Social Security spouse’s or widow’s or widower’s benefits may be reduced. www.socialsecurity.gov/pubs/EN-05-10007. pdf Also available in Spanish. www.socialsecurity.gov/pubs/ ES-05-10907.pdf
mySocial Security – Your personal online “mySocial Security” account is a valuable source of information at each stage of your life, from your working years through retirement. While working, you can use it to access your Social Security Statement. www.socialsecurity.gov/myaccount Also available in Spanish. www.socialsecurity.gov/espanol/micuenta/
Estimate your retirement benefits – The Retirement Estimator is tied to your Social Security earnings record and provides highly accurate benefit estimates for those nearing retirement age. The Estimator is interactive allowing the user to compare different retirement options. www.socialsecurity.gov/ retire2/estimator.htm Also available in Spanish. www.socialsecurity.gov/espanol/jubilacion2/calculadora. html Retirement Planner: Plan For Your Retirement – This
(844) 658-4475
Retirement Planner provides detailed information about your Social Security benefits under current law. It also points out things you may want to consider as you prepare for the future. www.socialsecurity.gov/retire2 Also available in Spanish. www.socialsecurity.gov/espanol/jubilacion2 WEBSITES cont. on page 22
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True Comforts of Home
W
immer Communities Senior Residences have been around for a long time. In that time we have learned one thing for sure. Seniors want the true comforts of home. The Centennial in Oak Creek and The Silvernail in Pewaukee offer just that! We’ve learned from our residents and guests that when it’s time to move to a senior community, the important factors are affordability without having to give up great amenities and a sense of home. We know it can be a tough transition from a home of 50+ years to a senior community, so we’re here to help through that transition. One of the greatest things about senior communities is that everyone is walking the same path of life as you! There is a real comfort in that alone. At the Centennial and Silvernail, we focus on the residents and their needs as they age. What your needs are at the time of move-in may be different than what they are in 2 years, 5 years, 10 years down the line. We recognize this and work hard to continually meet your needs. We offer the true comforts of home with our amenities, activities and exceptional neighborly feeling from the moment you walk in the door. We offer conveniences that make your life easier, which include our on-site chapel, country store, fitness room, salon, libraries, computer room, car wash area, wellness programs and van transportation grocery shopping and more!
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We also recognize the importance of fun! Our staff puts in hours of time each month planning and coordinating large and small activities with a wide range of interest – live entertainment, wii bowling, seasonal parties, bingo, to name just a few. We offer outside trips such as theatre trips, sporting events, musical entertainment or wherever the residents choose to go! Wellness is an important focus, too ~ whatever we can do to keep our seniors healthy, mentally and physically, is a great investment in our communities. You’ll regularly see on-site blood pressure checks, podiatry services, hearing testing and hearing aid repairs, flu clinics and fitness classes on our monthly calendar. We take great pride in the caring staff that oversees our communities – providing well managed and clean buildings, including 24/7 maintenance, activities and wellness programs, which collectively add enjoyment to your independent lifestyle! We embrace the unique qualities our seniors offer making our communities interesting and exciting. We’re continually amazed at the talent and knowledge that our residents share. We encourage it. We embrace it. We love it! We’d love for you to find comfort in one of our communities. Please be our guest and visit us soon. We’d love to meet you! (See our ad below)
TWO BEAUTIFUL COMMUNITIES IN TWO IDEAL LOCATIONS!
Exceptional Senior Living for those 55 & better!
Comfortable Lifestyle 1 & 2 Bedroom Options!
Included In Rent
• Weekly Transportation-Shopping • Underground Parking • No Cost Laundry
Just One of Many Activities!
Wonderful Amenities On-Site: • Salon • Fitness Room • Craft Center • Socials
• Pet Friendly • Entertainment • Smoke-free! • Chapel • Country Store • Wellness Program
Wii Bowling - Stay Active!
2 Months
FREE RENT
on Select Units Silvernail ONLY
wimmercommunities.com
2015
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Downsizing for the Future
T
here comes a time in everyone’s life where change is necessary. Whether it is due to Retirement, Relocation or Reorganizing. All of which can be overwhelming if not planned out and taken with small steps. As the shop owner of designXchange, I see the stress of what an unexpected change can cause on a daily basis. Clients and customers who may have recently sold their home quicker than expected or have health needs that arise without warning are suddenly stressed with what to do next. Items once collected and coveted for years can become a burden and emotionally draining. With thorough planning and the correct resources, these lifestyle changes can be minimal. In my line of business of unloading one’s personal treasures, it can be a turning point of one’s past, present and future. I would suggest taking a few steps getting one’s home in order in case of a major change of lifestyle.
Get a handle on your belongings:
For items that family or friends have adored from afar, it’s time to let go. If you know someone has admired your china, collectables, or has the same interest or hobby as you, turn those pieces over to them as gifts to enjoy! As in most cases, items that have been by treasured by you will become a keepsake by loved ones who admired you. Next are items that are truly valuable, especially if you may be having a financial hardship. You should seek the advice of a professional who has a license to appraise items. However, they should not be the same person as the seller, as you need to cover all your bases so no one is taken advantage of. Good news! A lot of information is free on the Internet. Typing in a china pattern on ebay will show what the high potential is. However the key to the market is previously sold items of the same piece. This info is there to see if you look for it. What ebay sellers are asking for is not always what they are sold for. The sold column is what one should be looking for which can advise you of a fair market value. Private effects should be handled on a regular basis. Excess paperwork, magazines, list of would of, should of, and could of. This all needs to go. As you may be starting a new chapter in your life soon. There’s nothing to be dreading. This is a time to rejoice. You have earned this. Clutter from your children’s memory box should have left the nest the minute they moved into their own home! Moving it from house to house because your children or grandchildren mentioned they may want it one day. Make them take it! Or remove it. 16 | next 2015
Then there is the furniture. It has been proven that all furniture does not fit into all spaces. So again, consult a professional designer who truly understands and hears what your needs will be. Furniture that fits you and your style. A professional will provide you with drawings so you know exactly what will fit in your future space and needs. When looking to sell your got-to-go items, there are many options: Auctions, rummage sales, online sales and consignment stores. As someone who has built a reputation in the consignment business, consider us. At designXchange we offer a 50/50 split on items sold. We display your items in tasteful home-like settings to obtain maximum value for your cherished pieces. The first 30 days are full price, 30 to 60 days items are marked 20% off. Then after 60 days items become 40% off of the original price. They are tastefully displayed with like items for the savvy shopper. At an auction you have one night to sell your items. If could be the day of the big game and no one shows and your items could go for little or nothing. Rummage {estate and tags sales}: People are still convinced everything should be a quarter and then they still want to dicker. “Really?” Then there is the famous “Craig’s List”. Need I say more? designXchange offers a contract with terms spelled out that are easy to understand. We have expert designers and sales people that do the work for you to make this new chapter in your life hassle-free. We are always looking for the finest classic pieces to showcase in our stores. We recommend you visit and take a look around as you may surely discover a shopping experience you may not expect. Even though you might be downsizing, you, too, may find that perfect piece. Our Pewaukee store is located in the heart of downtown located just blocks from WCTC and the famous Pewaukee beach in a 150 year old church. With a charming atmosphere that features everything from teapots to garden benches, our charming store boost our collection of furniture petites. Our Hartland location has 11,000 square feet of vignettes of room settings that give even the most discriminating designers a desire to come back weekly. We feature a large area rug room as well as a huge selection of design ideas to intrigue all styles and designer looks. Downsizing can be manageable with preplanning and the right resources. With 10 years in the consignment business and 20 years in the interior design field, I can assure you it is my mission to give new life to your classic pieces. We look forward to serving you soon.
Specializing In:
Upscale • Sophisticated • Unique
The perfect setting for showcasing your treasured belongings. When it’s time to downsize, designXchange has the perfect showroom to sell your quality pieces. designXchange Home Décor Consignment fills the home with the finest home accessories and furniture. At designXchange we have an ever changing inventory from the f inest homes. We are the designers secret source for one of a kind pieces.
Hartland
Pewaukee
600 Hartbrook Drive 262.367.1010
175 Main Street 262.746.9477
www.designxchange.biz 2015
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ne xt Ridgedale Apartments
A
re you looking for a carefree lifestyle that will offer you the comforts of home without all the burdens of home ownership? If so, Ridgedale Apartments wants you to come and live in a beautiful park-like setting, with a caring, friendly staff and affordable housing for seniors ages 62 and older. Ridgedale Apartments has so much to offer its residents, such as its spacious, fully carpeted one bedroom-open concept apartment floor plan (550 square feet) complete with garbage disposal and appliances, a secure resident controlled personal entry system, roomy individual storage units and a large laundry facility. It also has a community room complete with a full kitchen and has an on-site caretaker available 24/7. All apartments are cable ready and include heat and water. Best of all, Ridgedale apartments are close to shopping and small pets are welcome. For more information, please call us today at (414) 421-9314.
Five Star Quality Care
A
s 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 and available help for our short and long-term residents with complex medical challenges to live healthier are always available. Brookfield Rehabilitation and Specialty Care, Brookfield. This skilled nursing facility houses a Dialysis Center. Here we are able to care for residents who need specialized renal care. We offer hospital-quality care in a home-like atmosphere. River Hills West Healthcare Center, Pewaukee. In addition to short and long-term skilled nursing and rehabilitation, it is home to Five Star’s award-winning Bridge to Rediscovery memory care program, other services provided include wound care, infusion therapy, respite care, and hospice. To learn about Five Star Quality Care and what it has to offer visit www.5sqc.com.
RIDGEDALE APARTMENTS
Quiet Senior Community 62 & Older
• Affordable Income Based Rent • Great Floor Plans • Attractive 1 Bedroom • Heat Included • Picturesque Setting • Appliances/Microwave • Elevator & Laundry Facilities • Convenient to Shopping • Private walking path to a mini Super Walmart
(414) 421-9314 7740 W. Grange Ave. • Greendale, WI 18 | next 2015
RIVER HILLS WEST HEALTHCARE CENTER 321 Riverside Drive Pewaukee, WI 53072 262-691-2300 THE VIRGINIA BROOKFIELD REHABILITATION HEALTHCARE CENTER AND SPECIALTY CARE 1451 Cleveland Ave. 18740 West Bluemound Road Waukesha, WI 53186 Brookfield, WI 53045 262-547-2123 262-782-0230
• Skilled Nursing • Rehabilitation • Short-term Stay • Alzheimer’s Care • Specialty Cares • Hospice • Outpatient Services • Weight Challenged
POTAWATOMI HOTEL & CASINO 1721 West Canal Street Milwaukee, WI 53233 1-800-PAYSBIG PAYSBIG.COM Badger Bus Line Run Reservations: 1-877-894-6287
E
ENJOY THE RIDE
xperience a day of excitement, fun and food when you ride a line run to Potawatomi Hotel & Casino from Southeast Wisconsin or Northeast Illinois. Most Monday–Sunday daytime trips are $18 and include $10 in FKC Reward Play, $10 food & beverage discount and round-trip motorcoach transportation. Evening trips and select daytime trips are $16—with $15 in FKC Reward Play and round-trip motorcoach transportation included.
VARIETY OF GAMING OPTIONS
Potawatomi Hotel & Casino is Wisconsin’s largest entertainment destination, evident by the over 6 million visitors welcomed each year. With high-energy gaming, award-winning dining, bars, world-class entertainment and luxurious accommodations, there’s never a dull moment. Just blocks from the heart of downtown Milwaukee and open 24 hours a day, seven days a week, every day of the year, we’re the perfect place to spend the day, evening or weekend. For starters, our casino floor offers over 2,500 slot machines in the latest themes and denominations from 1¢ to $100 (including more than 500 non-smoking ma•. chines). For an added thrill, try a progressive slot machine. The jackpot total on progressives is constantly changing—the more they are played, the higher the possible jackpot. One hundred table games give our guests plenty of choices, including blackjack, craps, roulette, baccarat, Fortune Pai Gow Poker® and more (including smokefree tables). Guests can also enjoy an exciting game of poker in the comfort of our luxurious 20-table Poker Room, located on the third floor, just off the Casino’s skywalk entrance. Games offered include Limit and No-Limit Texas Hold ’Em, Seven-Card Stud and Omaha. The action of off-track betting is a favorite here. Located next to the Poker Room, our Off-Track Betting Room features 115 televisions, 80 carrels and seating for nearly 200. Bingo players will love our expansive 1,440-seat Bingo Hall where they can play up to 180 cards electronically. With daily payouts averaging more than
$75,000, we offer morning, afternoon, evening and night-owl sessions.
DINING & THEATER
Seven unique restaurants complete this total entertainment package. Dream Dance Steak offers award-winning cuisine using seasonal, renewable and sustainable ingredients. RuYi captures the time-honored traditions of Asian cuisine. The Buffet offers fresh, all-you-can-eat entrées at seven different action stations. From tacos and burritos to hot sandwiches, pizza and southern cuisine, The Menomonee Valley Food Court is the perfect place for a quick bite. Watch your favorite sporting event while digging into a juicy burger or other favorites at The Fire Pit Sports Bar & Grill. Wild Earth Cucina Italiana features traditional Italian favorites, as well as reinvented classics. Finally, located inside our hotel, Locavore offers a menu composed of local produce and sustainable proteins that changes with the seasons. After a great meal, round out the experience by taking in a show at the intimate, 500-seat Northern Lights Theater. Call Badger Bus at 1-877-894-6287 or visit paysbig. com/bustrips to book your trip today!
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The Right Medicare Supplement. Right Here for You! Call today for a
• Freedom to choose any no obligation doctor, specialist, or hospital quote. • Affordable premiums 1-800-236-1448 • Nationwide coverage This is an advertisement for insurance. Neither WPS Health Insurance or its agents are connected with the federal Medicare program. © 2009 Wisconsin Physicians Service Insurance Corporation. All rights reserved. 23753-021-0901 23753_0901_Hartland.indd 1
9/30/2015 2:18:49 PM
A Total Solution Senior Relocation/ Resettling • Estate Liquidation Organize/ Declutter • Clean Out • Online Auctions Nationwide Network Offices Nationwide • Bonded & Insured Each Office is independently owned and operated. Kathy Schultz, CRTS
(262) 336-8113 KSchultz@CaringTransitions.net
GET A 2-WEEK * HEARING AID TRIAL
Call the number below, or go online for details. Franklin – 8217 S 27th St
(414) 761-2700 connecthearing.com *Restrictions apply. Call for details. Offer expires 12/31/15.
Allied Senior Services Insurance
Se n i o r s • Long Term Care Insurance •Health Insurance • Life Insurance • Annuities • Auto • Homeowners • Free Quotes • Immediate SR22 Filings
&
1-800-924-4061 414-545-7878
Investments
We are not limited to representing one company, so we can give you unbiased advice.
LTD INC 20 | next 2015
7421 W. Becher St. West Allis, WI
1 & 2 Bedroom Floor Plans — No Income Limits! • All Utilities Included • Underground Parking • Secured Lobby • Laundry on Each Floor • Elevator • Social Activities • Community Room • On-Site Management • Beauty Salon
Rents start at
$6 9 9
414 -78 8- 0242
8935 S. Wood Creek Drive, Oak Creek 3blks. West of Howell Ave. off Puetz Road
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
Becker Property Services
A
t Becker Property Services, LLC, we advise anyone planning to retire to 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 on your schedule, not someone else’s. Failure to plan is planning to fail. You don’t want to be forced into making choices and decisions about your life that you are not ready or prepared 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. We have developed nearly 100 buildings that provide affordable housing options for senior and disabled populations across the country, with a majority of those located in Wisconsin. Our company currently manages six apartment buildings in Milwaukee and Waukesha counties for senior citizens age 62 and older. These buildings are located in the communities of Cudahy, West Milwaukee, West Allis, and Waukesha. 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, Joseph Becker was a HUD official for 15 years. His interest in providing housing consultant services stems
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from experience in planning, developing, operating, and administering housing programs for HUD clients. In 1988, Kenneth Becker joined the Becker Consulting Services. Since 1988, Kenneth Becker has served as a consultant or co-consultant for numerous housing developments for senior and disabled populations. 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 for senior citizens, persons with disabilities, and financially disadvantaged individuals. It was in 2002 that 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 affordable, safe, secure, and barrier free. We offer rent subsidized (tenants pay 30% of their income for rent) one bedroom apartments for senior citizens age 62 and older. For more information, call (262) 240-9406, email BeckPropSvcs@aol.com, or refer to our web site at www. beckerpropertyservices.com.
Burnham Village
Gonzaga Village Sunset Heights West Allis
Waukesha
Cifaldi Square
Oak West
Valentino Square
West Milwaukee Cudahy
West Allis
West Allis
2015
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Advance Physical Therapy For more than 28 years, Amy has practiced Physical Therapy in a variety of settings, including hospitals, industrial, private practice and outpatient venues. She now has embarked upon her own private practice for the last 11 years with clinics located in Muskego and New Berlin. The largest site opened in September 2004. As a board certified member of the American Physical Therapy Association, an Orthopedic Clinical Specialist, Amy employs advanced evaluation and treatment techniques. In clinical practice, the Physical Therapist is the professional who addresses the rehabilitation needs of persons with musculoskeletal dyfuntions and disabilities treating the related muscle, bone, joint, tendon and nerve components of the injury. Equally important is the need to address prevention of injuries and the possible resulting disabilities. Amy has engaged in reasearch of industrial spinal injury prevention while earning a Master’s degree from Finch University, Chicago Medical School in North Chicago Illinois. Secondary extensive training and knowledge is utilized in managing and treating occupational injuries with success in treating both in clinic and onsite, involving injury prevention and return to work programs. • Specialized programs and interventions • Spinal rehab specialist • Sports injury for upper and lower extremities TMJ (temporomandibular joint pain) / facial pain • Manual therapy Lymphedema / women’s health • Injured worker rehab • Balance and fall injury prevention Advance PT Services has integrated both clinical skills and passion for quality care with the desire to promote the profession of Physical Therapy.
“Moving you forward in function” Amy Helminski PT MS OCS Physical Therapy Services Provided by licensed, board certified, and experienced therapists. Amy Helminski is 1 of only 61 Board Certified Orthopedic Clinical Specialists in Wisconsin.
• Sports Injury Rehabilitation • Orthopedic Rehab • Back/Neck Rehab • Pre/post Operative Rehab • TMJ Treatment • Fibromyalgia Therapy • Lymphedema Specialist • Vestibular/balance Rehab
• Wellness Programs • Industrial Rehabilitation • Return-to-work Programs • Work Conditioning • Functional Capacity Evaluation • Pre/Post Partum Rehab • Scoliosis Rehab
2 Locations: Muskego, New Berlin
S. 74 W. 17045 Janesville Road, Muskego- in Pick-n-Save mall 12555 W. National Avenue, New Berlin in Premier Medical Arts Building
Phone: 414.422.4678 Fax: 414.422.4735 22 | next 2015
WEBSITES cont. from page 14
Apply online for retirement benefits – When you are ready to apply for retirement benefits, apply online from the comfort of your home or office. It’s easy and secure. Just fill in the answers to the application questions and select the “Submit Now” button at the end to send us the application. www.socialsecurity.gov/retireonline Also available in Spanish. www.socialsecurity.gov/jubilarseporinternet
Enrolling in Medicare Part A & Part B (Publication No. CMS-11036) – Learn more about enrollment in Medicare Part A and B, including who can sign up, when you can sign up, and how the timing can affect your costs. www.medicare.gov/Publications/Pubs/pdf/11036.pdf Also available in Spanish. www.medicare.gov/Publications/ Pubs/pdf/11036-S.pdf
Get Help with Your Medicare Costs – To get help with Medicare costs, you must be on Medicare, have limited income and resources, and reside in one of the 50 states or the District of Columbia. www.medicare.gov/publications/ pubs/pdf/10126.pdf Also available in Spanish. www.medicare.gov/Publications/Pubs/pdf/10126-S.pdf Extra Help with Medicare Prescription Drug Plan Costs – To get help with Medicare prescription drug plan costs, you must be on Medicare, have limited income and resources, and reside in one of the 50 states or the District of Columbia. www.socialsecurity.gov/medicare/ prescriptionhelp Also available in Spanish. www.socialsecurity.gov/espanol/medicare-es/ medicamentos
Affordable Housing for 62+ Pay only 30% of gross income in rent!
One-bedroom apartments located in
sMilwaukee sWauwatosa sButler sRacine
Call Reilly-Joseph Company today for an Application
414-271-4116
www.lowincomerentalsmilwaukee.com
The Fireside Dinner Theatre is recognized as one of the Midwest’s premiere visitor attractions. The philosophy remains the same as the day they opened in 1964; that people will come to where they have been invited and will return to where they have been made to feel welcome. Every visit to The Fireside begins with a personal greeting and escort to your table to enjoy a memorable dining experience with warm, friendly service. Before or after dining, you can browse our charming specialty gift shops or
enjoy a cocktail in the lounge. Then, you will enter the intimate theatre-in-the-round for an exciting professional theatre experience that features Equity actors, singers and dancers from across the country. Menus vary by show and performance time, but are all served dinners except for the Thursday Evening Signature Buffet and the Sunday Brunch Buffet. Executive Chef Michael Scott and his staff use only the highest quality ingredients as everything from the soups and sauces to pastries and desserts are prepared from scratch in The Fireside kitchens. The facility is fully accessible to guests with disabilities and there is plenty of safe, free parking on site. The Fireside’s performance schedule includes seven shows weekly year-round
with matinees on Wednesday, Thursday, Saturday and Sunday, evening shows Thursday and Saturday, and a Midday show on Sunday. During the run of A WONDERFUL LIFE there will also be matinee and evening shows on Fridays in December. Whether you travel with a group from your church, bank, senior center or other organization via motorcoach or on your own with friends and family, The Fireside is a relaxing day out for people of all ages. The dinner theatre packages are an excellent value and the hospitality of the Klopcic Family and their staff is legendary. See for yourself why it’s become such a favorite Wisconsin attraction!
2016 SEASON
800-477-9505 • www.firesidetheatre.com
The Fireside Dinner Theatre More than you’d ever expect!
Celebrating 52 years of Family Hospitality 1131 Janesville Avenue, Fort Atkinson, WI 53538 2015
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POTAWATOMI HOTEL & CASINO LINE RUNS Most Daytime Runs (arrivals before 2 p.m.) TRANSPORTATION PACKAGES AVAILABLE FROM SOUTHEAST WISCONSIN AND NORTHEAST ILLINOIS
• $10 in FKC Reward Play • $10 Food and Beverage Credit • Round-trip Transportation Cost is $18 per person.
Evening Runs & Some Daytime Runs • $15 in FKC Reward Play • Round-trip Transportation Cost is $16 per person. Save
Make reservations online at paysbig.com/bustrips.
Save
Make your reservation via phone by 3 p.m. the day prior to your trip.
3
$
2
$
•
CALL BADGER BUS TOLL-FREE:
1-877-894-6287
New Riders: Enjoy a FREE first line run to the Casino!
•
New Fire Keeper’s Club® Members:
Ride any line run and your second ride is FREE! Valid within 90 days of signing up for the Club. Limited line run service on major holidays. Must show valid photo ID and Club card to receive any portion of the package. Five-hour minimum stay is required.
24 | next 2015
1721 WEST CANAL STREET • MILWAUKEE, WI 53233 • 1-800-PAYSBIG • PAYSBIG.COM MUST BE AT LEAST 21 YEARS OLD AND A FIRE KEEPER’S CLUB MEMBER TO PARTICIPATE • MEMBERSHIP IS FREE • WINNERS RESPONSIBLE FOR ALL TAXES • MANAGEMENT RESERVES ALL RIGHTS GAMBLING PROBLEM? CALL 1-800-426-2535 ©2015 FOREST COUNTY POTAWATOMI COMMUNITY, WISCONSIN