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Simple Retirement Planning
T
BY TERRY SAVAGE
hinking about retirement can be overwhelming. The idea of planning for something that won’t happen for years, might last 30 years and could cost millions is enough to make you leave it all to chance. But that’s the worst possible retirement plan. Would you be willing to substitute something much simpler? That’s the concept behind the technique being urged by Michael Falk, an investment advisor and strategic consultant who has the gift of simplifying important financial concepts. He and I have talked over the years, and he’s influenced my thinking along the way. But when I heard Falk’s keynote address given at the recent Morningstar conference, I knew I had to share it with you. It is probably the most compelling and game-changing way you will approach the topic of retirement planning. So even if you’ve given up on ever being able to retire, you’ll want to watch this video on the Morningstar website: http://www. m o r n i n g s t a r. c o m / c o v e r / v i d e o c e n t e r. a s p x ?id=651935&lineup=mutualfunds The concept is a simple one, that doesn’t need computerized forecasts and models, or retirement withdrawal rates, or even professional guidance. Once you understand the basic principle, it will help you save up for retirement, plan a retirement lifestyle and take a lot of the worry out of handling your money during retirement. Please let me know if I’m overstating the case — but it’s an issue that has preoccupied me ever since a decade ago when I wrote “The Savage Number: How Much Do You Really Need to Retire?” It’s the issue facing people who do have the possibility of living well in retirement because they are employed and thus can save money during their working years. But they don’t know “how much” they need, or equally important, how much they can draw out of their savings to make their money last as long as they do. Here’s how Falk states the principle: “You must immunize for your needs before you even try to optimize (in risky assets) for your wants.” Those words are a fairly profound way of saying that if you can arrange enough regular income to cover your basic expenses of living, then you can sustain the risk of investing other assets strategically to cover desirable retirement dreams such as travel and entertainment. Or as they say in the stock market, find your “sleeping point” and make sure you are covered with income that lets you sleep.
Cover Your Overhead
If you know what your Social Security check will bring in, and if you have an annuity or pension that will bring additional monthly income — and then if you can get your overhead down to the point where your income covers the basics, you will find retirement peace of mind. Suggestions for doing that include paying down the mortgage before you retire or buying a fully paid up car that you plan to keep for 10 years, eliminating a car payment. Once your overhead is manageable and balanced with your secure income, you can make riskier investments to grow your remaining money to give you the retirement you want, above the basic needs.
Adjust Your Time Horizon
The second piece of advice is to not become overwhelmed with the longevity issue. First, accept the fact that you will probably work longer than your parents — likely to age 70. Then don’t worry about living to 95 — which is always a possibility. Instead, focus on the actuarial tables that say “on average” you’re likely to live to somewhere around 83. That shortens your focus and makes planning more doable. But what if you’re one of those who do live longer? Easy answer: You can take some of your money and buy a “longevity annuity” (more on that in my next column), which starts paying out at age 83 and will give you a monthly check for as long as you live. That “deferred payout” will not only be larger than an immediate annuity; it will help cover the extended expenses of living longer.
Trade Today for Tomorrow
And, of course, there is still the importance of saving more. How much more depends on your situation. But spending less today and saving more for tomorrow is not a dollar-for-dollar tradeoff. Instead, the money you don’t spend can be invested to work for you over the years. The earlier you make this decision, the better, because time leverages money. Falk says it’s important to keep your mind focused on these simple principles because the average person gets overwhelmed by the complicated — and simply gives up!
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Copyright 2006 by Eastern Wisconsin News and Views All rights reserved.
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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 2014
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Mission:
Linking Older Adults with a Caring Community since 1975. Interfaith Older Adult Programs is a non-profit leader in older adult and caregiver services in Milwaukee. • We make a difference in the lives of thousands of older adults, caregivers and volunteers every year.
Why We Are Here: We are here because
NO ONE CAN DO IT ALONE.
We make a positive • We connect adults 50+ with opportunities difference in the lives to share their expertise, experience and of more than 16,000 talents to build stronger, connected communities. older adults and • We provide resources, services and solutions caregivers throughout to ensure that older adults continue to Milwaukee County. live independently in their own homes. 414-220-8686 or visit online at interfaithmilw.org To learn more call
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HOW RETIREMENT BENEFITS ARE FIGURED
A
BY: TOM MARGENAU
lmost every day, I get questions from readers asking how
a Social Security retirement benefit is computed. I looked back and learned that it’s been a couple years since I did a column explaining the process. So I thought it might be a good time to go over it again. The formula is simple in a general sense, but a bit more convoluted when you get to the details. Here is the simple part. A Social Security retirement benefit is a percentage of your average monthly income, using your highest 35 years of inflation-adjusted earnings. Note that there are four parts to that formula: 1) a percentage; 2) your average monthly income; 3) an inflation indexing factor; and 4) a 35-year base. We’ll work backwards to explain how things work. The 35-year base is the easy part. When you file for retirement benefits, the Social Security Administration will look at your entire earnings history and pull out your highest 35 years. They don’t have to be consecutive. If you don’t have 35 years of earnings, SSA must plug in “zero” years to get to the 35-year base. And please note that 35 means 35. Despite all the rumors out there, your retirement benefit is NOT based on your highest 5 years of earnings, or your last 10 years of earnings, or any other number of years other than 35. Here is a related issue based on that 35-year rule. As part of the discussion of long-range Social Security reform, you will frequently hear proposals to change the “computation years.” A number I’ve
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heard most often is adopting a 38-year base. What they are talking about is basing future Social Security benefits on a retiree’s highest 38 years, rather than the highest 35. That would have the effect of lowering future benefits because the more base years used, the lower benefits are. Think of it this way: If your retirement computation was based on your high three years of earnings, for example, that would result in a much higher benefit than one based on 35 years. So, adding even more years to the base would lower benefits further. But now let’s get back to the current computation formula. Before they add up those “high 35,” they index each year of past earnings for inflation. And this is where the formula starts to get messy. That’s because there is a different adjustment factor for each year of earnings, AND each year’s adjustment factor is different based on your year of birth. Here is a quick example. If you were born in 1949, and earned $20,000 in 1980, they would multiply those earnings by an inflation adjustment factor of 3.25, meaning they would actually use $65,000 as your 1980 earnings. But if you were born in 1950 and earned that same $20,000 in 1980, they would use an inflation factor of 3.33 resulting in $66,600 as the 1980 earnings used in your Social Security computation.
RETIREMENT BENEFITS cont. on page 8
2014
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With nearly 90 years of experience, VMP provides a full Continuum of Care including independent living apartments, assisted care, skilled nursing care, rehabilitation services, physician clinics, hospice and ventilator care. VMP’s full continuum of care provides many benefits for residents and family members because they never have to go through the selection process of a retirement community again, and healthcare is provided right on campus. Independent living apartments are monthly rentals and no endowments are required. VMP’s Short-Term Rehabilitation services allow patients to return home safely and remain independent after a hospital stay when they need to regain strength and stamina. Therapy services are specific to patients’ needs and are available in private and semi-private rooms. Tours can be scheduled in advance for an upcoming surgery. VMP’s Senior Community Club is open to residents and community, offering many in-house events and classes, as well as off-campus trips. You never need to leave the building to see friends and socialize. Popular outings include Brewer tailgates, card games and theater outings. There is no cost for VMP’s Senior Community Club membership. VMP’s newly launched Club VMP keeps seniors active with golf, softball, theater and much, much more.
Independent Living Amenities • • • • • •
Manor Park: Studio, 1 & 2 bedroom apartments starting at $775 per month Trinity: Studio, 1 & 2 bedroom apartments starting at $575 per month in a secure, park-like setting Heat, A/C, electricity, water included • Senior Community Club • Underground parking Dining Room - 10 free meals/month • Wellness Nurses • Transportation Service Chapel - Catholic & Ecumenical Services • Banking • Aurora Medical Clinic Basic cable plus option for more channels • Convenience Store • Pastoral Care 24 hour emergency call system • Rehabilitation • Computer/Internet access Fitness Room & Program • Housekeeping & Laundry • Outpatient therapy services Monthly rentals. No endowments required.
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The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare. UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. You do not need to be an AARP member to enroll. AARP encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals. AARP does not employ or endorse agents, producers or brokers. Y0066_140630_112232_FINAL_WI_50PL_1023_ROP Accepted 288793 2014 WI_50PL_1023_ROP 1
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RETIREMENT BENEFITS from page 5
You can find a complete breakdown of those inflation adjustment factors for each year of birth (for folks nearing retirement age) at www.socialsecurity.gov/pubs/10070.html. So the next step in the retirement computation formula is to add up your highest 35 years of inflation-adjusted earnings. Then you divide by 420 — that’s the number of months in 35 years — to get your average inflation-adjusted monthly income. The final step brings us to the “social” part of Social Security. The percentage of your average monthly income that comes back to you in the form of a Social Security benefit depends on your income. In a nutshell, the lower your average wage, the higher percentage rate of return you get. Once again, the actual formula is messy, and varies depending on your year of birth. As an example, here is the formula for someone born in 1949. You take the first $749 of average monthly income and multiply by 90 percent. You take the next $3,768 of your average monthly income and multiply that by 32 percent. And you take any remainder and multiply it by 15 percent. For a worker with average earnings, this formula comes out to about 40 percent. In other words, the average worker will get about 40 percent of his average indexed monthly wage in the form of a Social Security check. You can find a complete breakdown of those computation bend points at the same link mentioned above. If you have a Social Security question, Tom Margenau has the answer.
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 from experience in planning,
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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
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Cifaldi Square
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West Allis
West Allis
2014
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Affordable Housing for 62+ Pay only 30% of gross income in rent!
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Our board-certified family nurse practitioners will work with you to develop a personalized plan to prevent disease, improve your health and help you stay well. We’ll even send your visit summary directly to your doctor. Call 855-WALGREENS (1-855-925-4733) to schedule an appointment at a clinic near you. Located at select Walgreens: Brookfield 2205 N. Calhoun Rd. Mequon 11270 N. Port Washington Rd. Milwaukee 1400 E. Brady St. Milwaukee 6030 W. Oklahoma Ave. South Milwaukee 2985 S. Chicago Ave. Waukesha 221 E. Sunset Dr. Wauwatosa 10800 W. Capitol Dr.
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Fiber For The Ages
A
new study shows cereal fiber can help you live longer — even if you’ve had a heart attack. Higher cereal fiber intakes are associated with lower risk of cardiovascular disease. Researchers analyzed pre- and post-heart attack data on more than 4,000 people over nine years. Those who increased their cereal-fiber intake after a first heart attack were 35 percent less likely to die of cardiovascular causes. The study was reported in the October 2014 Health & Nutrition Letter. “These are encouraging findings with regard to whole-grain foods,” said Alice Lichtenstein, director of Tufts’ HNRCA Cardiovascular Nutrition Laboratory. “The data show that after a first heart attack, individuals who report adhering to current dietary guidelines have a better outcome.” However, taking a fiber supplement may not have the same effect, she said. Here’s how it works: Greater intake of dietary fiber improves glycemic response and insulin sensitivity, which, in turn, contribute to heart health and reduce the risk of diabetes. Soluble fiber (from foods like oatmeal) modestly reduces LDL (bad) cholesterol. Lichtenstein said those improvements go beyond what can be achieved by reducing saturated and trans fats and dietary cholesterol. Good sources of soluble fiber include oats, beans, peas, rice bran, barley, citrus fruits, strawberries and apples. Foods high in
insoluble fiber include whole-wheat breads, wheat cereals, wheat bran, rye, rice, barley, most other grains, cabbage, beets, carrots, Brussels sprouts, turnips, cauliflower and apple skin. Both are needed. The average American eats only 10 to 15 grams of fiber per day. The American Heart Association recommends most people get 25 to 35 grams per day. Information courtesy of the American Institute for Cancer Research.
What’s Your Capacity for Growth?
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3939 S. 92nd St. • Greenfield, Wis. • 414.546.7000 • clementmanor.com 2014
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TUDOR OAKS
T
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. Golf courses, restraint style, casual bistros, theaters, fitness centers with pools and whirlpools are all 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 Retirement Community
Tudor Oaks Tudor Oaks Resident
Retirement Community
Senior Living Designed by You!
• Independent Living Luxury apartments with attached heated garages • Assisted Living New apartments opening soon • Skilled Nursing 5-Star quality care 24/7 Online? • Rehab Stays Private Rooms, 40-inch TVs & WiFi Check out the new TudorOaks.net • Memory Care Private apartment with private bathroom • Respite Private Room, up to 28-day stay Call for a tour
414-525-6500
S77 W12929 McShane Drive, Muskego, WI 53150 www.TudorOaks.net
Tudor Oaks 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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PRESBYTERIAN HOMES & SERVICES
C
urrently under construction, Dickson Hollow will feature a senior living community offering older adults the opportunity to seek the housing, services and amenities that suit their particular needs. The campus will include 120 senior apartments, 42 assisted living apartments and 18 memory care apartments, with underground heated parking available. Apartment choices include studio, one and two bedroom styles.
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Dickson Hollow offers an enriching living experience with a wide variety of amenities and services. Individuals can enjoy on-campus social events and gatherings with the added convenience of the Town Center gathering spaces and services just steps away. Featuring a market, bistro, chapel, auditorium, parlor, movie theater, club lounge, business office, salon, wellness center and aerobics studio, the attached 29,000 square foot Town Center with its grand two-story foyer will be the community focal point! Dickson Hollow is a Presbyterian Homes & Services (PHS) community. Established in 1955, PHS is a faithbased, non-profit organization providing a broad array of high quality housing choices, care and service options for older adults. 5,800 employees serve over 24,000 older adults through 42 PHS affiliated senior living communities in Wisconsin, Minnesota and Iowa and through Optage速 home and community services. Through its affiliate, Presbyterian Homes of Wisconsin, PHS offers senior living communities in Pewaukee, Waukesha, and now in Menomonee Falls, Wisconsin.
Introducing... Dickson Hollow Menomonee Falls, WI To learn more, contact Heidi at 262.373.1425
Opening Early Spring 2016
Senior ApArtmentS | ASSiSted Living | memory CAre town Center
Visit our other locations:
AvAlon SquAre KirKlAnd CroSSingS 222 Park Place Waukesha 262.446.9300
700 Quinlan Drive Pewaukee 262.695.5800
All faiths welcome. Equal housing opportunity.
www.preshomes.org 2014
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Country Travel DISCOVERIES
Join us for a one-of-a-kind EXPERIENCE! Country Travel DISCOVERIES of Elm Grove, WI hand-crafts unique, fun, safe and wholesome vacation experiences in off-the-beaten-path sites in the U.S., Canada, Central America and Europe.
Order our free catalog:
855-744-8747 (toll-free, US/Canada) reservations@CountryTravelDiscoveries.com www.CountryTravelDiscoveries.com/50P
Use ADVcode 1 to s 4D $100ave per p .00 erson !
TRAVEL EXPERIENCES: PERSONALIZED, DIFFERENT, REAL
Phase Two “Off the Beaten Path”
E
ntering Phase 2, it can take a while to decompress. After decades of work and family grind, we Active Boomers are used to doing everything ourselves, including travel planning…usually for other people. Now, we have time and opportunity to see and be in the world a different way – our way. Yet, because we think of ourselves as “independent, not the group tour type,” we may miss out on resources that can help us do just that. Country Travel DISCOVERIES handcrafts fun, relaxing, thoroughly planned tours backed by a satisfaction guarantee. We deal with the logistics and hassles of travel: luggage handling, tips, hotels and meals, insurance and 24-hour emergency contacts to protect you and your travel investment. We personally inspect each route in advance at least twice to ensure a smooth-running, well-paced tour with high quality stops. But the value of a good tour operator is more than just “leaving the driving to someone else”. You don’t want to just be herded on buses from monument to monument. Phase 2 is our time to rediscover the joys of learning and doing new things, engaging with new people and cultures. Avoiding crowded tourist stops, we take you on back roads and give you access to unique, local-level experiences you can’t find on your own. You may: Savor a farm-fresh breakfast at home with a welcoming Amish family in Iowa. Converse with local brewers in Bavaria, or a Maine lobsterman hauling in the day’s catch for a traditional New England bake. Enjoy a trail ride to a cowboy cookout at an authentic Texas dude ranch. Or, watch a parade float you helped decorate compete in the Tournament of Roses! Getting off the beaten path: it can make the difference between transportation and a travel experience – between “taking a trip” and making memories of a lifetime.
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 14 | next 2014
POTAWATOMI HOTEL & CASINO
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, live music 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 3,000 slot machines in the latest themes and denominations from 1¢ to $100 (in smoking and non-smoking locations). 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.
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One hundred table games give our guests plenty of choices, including blackjack, craps, roulette, baccarat, Fortune Pai Gow Poker® and more. 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, our newest restaurant, Locavore, offers a menu composed of local produce and sustainable proteins that will change 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!
2014
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Do You Have To Pay Income Taxes On Social Security Benefits? How Much Income You Can Dear Carrie: From what I’ve read, if a married Have Before Benefits Are Taxed As I mentioned, whether or not your Social Security benefits couple has annual withdrawals from 401(k) plans, will be taxed depends on your combined income. For 2014, a marindividual retirement accounts or pensions that exried couple filing jointly with combined income under $32,000 ceed a certain amount, the couple’s Social Securi($25,000 for single filers) won’t pay income taxes on benefits. ty benefits may be taxed. Is that true? — A Reader However, if a couple’s income is between $32,000 and $44,000 BY CARRIE SCHWAB-POMERANTZ
($25,000-$34,000 for single filers), up to 50 percent of Social Secu-
Dear Reader: You’re absolutely right. When it comes to in- rity benefits may be subject to ordinary income taxes. If a couple’s come taxes, many people think only of the money they earn in a paycheck. But the reality is that there are many other types of income that are subject to ordinary income taxes. And all of that income, in turn, can trigger taxes on Social Security benefits — which can come as an unwelcome surprise. To determine whether your Social Security benefits will be taxed, the Internal Revenue Service uses what it calls your “combined income” — which is the sum of your adjusted gross income, nontaxable interest and half of your Social Security benefits. If your combined income exceeds a certain limit, 50 to 85 percent of your benefits may be taxed. All this is probably enough to send you running to your accountant. But before you do, let’s go over some of the facts so you can have a more meaningful discussion.
Retirement Account Withdrawals That Are Subject to Income Tax
A withdrawal from a retirement account is considered to be ordinary income and is taxed as such with a few exceptions, depending on the type of account. Here are the most common retirement accounts and how they’re taxed: —Traditional IRA, 401(k), 403(b) or other employer-sponsored plan: Earnings and pretax contributions are taxed at ordinary income tax rates. If you made after-tax contributions, a portion of your withdrawal will be taxable and a portion will be tax-free. —Roth IRA and Roth 401(k): Both contributions and earnings are income tax-free once you reach age 59 1/2 and you’ve held the account for five years. —Pension: If all contributions were made with pretax dollars, withdrawals are treated as ordinary income. —Annuity: It depends on the type of annuity. Any gain from purchased annuities, such as fixed and variable annuities, is treated as ordinary income. Best to talk to your tax adviser.
Other Sources of Taxable Income
Many retirees have other sources of income besides retirement accounts. So it’s important to remember that taxable income also can include self-employment income, as well as unearned income such as dividends and interest, capital gains, and U.S. savings bonds. Alimony, unemployment compensation, gambling winnings and lottery winnings are additional sources of taxable income.
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income exceeds $44,000 ($34,000 for singles), up to 85 percent of benefits may be taxed. Here’s a simple example: In 2013, Ted and Marsha both withdrew $20,000 from their 401(k) accounts. They also had $1,000 in dividends and interest. They had no deductions, so their adjusted gross income was $41,000. They also had $1,500 in nontaxable interest income, and together they collected $36,000 in Social Security benefits. Their combined income for purposes of computing the taxability of Social Security benefits (the tax-exempt interest is still nontaxable) was $42,500 plus $18,000 (half of their Social Security benefits), for a total of $60,500, putting them well over the $44,000 limit. You can see how easily it adds up.
What You Can Do About It
If paying taxes on your Social Security benefits seems inevitable, you can strategize a bit to help minimize the pain. First, if you haven’t yet filed for benefits, think about the best time for you and your spouse. It may be wise for one or the other of you to delay filing for benefits, not only to keep taxes low but also to let your benefits grow. Then, as you plan or refine your retirement income strategy, take a look at all your sources of income (including required minimum distributions from retirement accounts once you reach 70 1/2) and divide them into taxable and nontaxable categories. See how much of your retirement expenses you can cover from sources not subject to ordinary income taxes. If possible, keep withdrawals from your retirement accounts low enough to stay in a lower tax bracket — and potentially lower the percentage of Social Security benefits that may be taxed.
Now Talk to Your Accountant
Once you’ve looked at the broad numbers, you can use calculators on the Social Security Administration’s website to explore different scenarios and determine how much you may be taxed. But to really get a handle on the numbers, I suggest talking to your accountant. If you do have to pay taxes, you can make quarterly estimated tax payments or choose to have federal taxes withheld from your benefits. Whichever you decide, at least there won’t be any surprises. Carrie Schwab-Pomerantz, Certified Financial Planner, is president of the Charles Schwab Foundation and author of “The Charles Schwab Guide to Finances After Fifty,” available in bookstores nationwide.
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THE CENTENNIAL SENIOR APARTMENTS
TWO MONTHS FREE RENT FOR 1 BEDROOM UNITS With move in by 12.31.14 ndependent Senior Living Community for 55 and Better! Section 42 – Income Guidelines May Apply. Conveniently located in the heart of Oak Creek, within a mile of everything you’d need. Sunlit rooms, nice size kitchens with all major appliances, safe bathrooms and great closet space. Rent includes underground parking, laundry, weekly transportation shopping, storage locker, most activities and pool. Caring staff on-site 7 days a week. Friendly and fun community encouraging friendships and an active lifestyle. Pet friendly. Smoke-free. Currently, 1BD ($735/mo) and 2BD ($860/mo) units with outdoor space, spacious rooms and 24/7 monitored emergency response. Free Blood pressure checks, podiatrist and audiologist services on-site. Great activities such as Wii Bowling, Bingo, socials, live entertainment, seasonal parties and more! Other convenient on-site amenities include banking services, country store, salon, chapel and fitness room. Tours M-F, 8am -4pm and Sat/Sun. Noon2pm. We currently have 1 bedroom units for rent with TWO MONTHS FREE RENT with a move in by 12.31.2014. Call for details. We’re a great place to call home!!
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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!
Affordable Senior Living with Amenities for an Enjoyable Lifestyle! Experience the Difference®
Included In Rent: Underground Parking, Laundry, Transportation Shopping, Most Activities Wonderful Amenities On-Site: DBank DSalon DChapel DCraft DFitness DStore DWii Bowling DPet Friendly DSmoke-Free
Call today to schedule your personal tour!
TWO MONTHS FREE on One-Bedroom Units Only With move in by 12.31.14
Multi-Day Tours
throughout the US & Canada
One Day
Adventures
Fully Escorted Comfortable
Motor Coaches
Convenient Departure Points
*Income Restrictions May Apply.
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For Your FREE Color Travel Planner, Call:
(414) 281-2002 (800) 236-8687 www.LamersTour.com
Village at the Falls Independent Retirement Living
RIDGEDALE APARTMENTS
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A Like You‘ve Never Seen! For more than 40 years, in more than 300 locations across the U.S., Holiday Retirement has provided a simplified, secure and enriching lifestyle. At Holiday Retirement, seniors enjoy freedom from life’s daily tasks and the ability to fill their days however they wish. We don’t believe you should have to pay a buy-in fee or sign a long-term lease to begin the lifestyle you desire. Your affordable rent includes:
Three Chef Prepared Meals Daily Weekly Housekeeping Transportation Two sets of live-in managers (24/7 Access) Emergency Response System Enrichment Coordinator Library Exercise Room Beauty Salon On site Complimentary Laundry facilities
Only Holiday Retirement offers the carefree independent lifestyle you’ve always imagined. Call (262) 253- 0770 or visit the Village at the Falls today to learn more.
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.
RIDGEDALE 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 2014
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What Legal Papers Do We Need? BY: DOUG MAYBERRY
Q
. My husband and I are in our late 60s. Both of us in are in
reasonably good health, and he will retire in about five years. We have a modest amount of savings, are helping financially with a handicapped grandson, and have not signed a will or trust. We realize we better quit procrastinating and get it done. What are the most important documents we need? . Every family has different needs. There are documents to address almost everything we do. Another complication is that state laws differ. For example, an important one every adult should execute is a “Power of Attorney for Health Care.” Otherwise, if you have not designated one, even your loved ones may not be able to make medical decisions for you. In emergencies, it is best to be prepared for decisions. If not, someone else may take charge of your life or estate. This possibly includes your state officials, the IRS, court-appointed attorneys or relatives you prefer not to do so. Do your homework about your needs. Important information sources are estate attorneys, websites, your library and family and friends who have already been through the process. Frequently, parents do procrastinate creating the documents because of costs, not having made up their mind about who should receive what and the fear that some recipients will learn in advance what they will or will not receive. Family wars are known to break out when this occurs. Your bottom line is to no longer hesitate. Legal docu-
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Universal Services Senior Move Management
- Professional downsizing, organizing, packing, moving, unpacking services
Universal Transportation Systems - Senior Transportation
262-257-0250
ments need to be signed and be easily available for access, and always remember they can be changed if you desire. . Nearly 30 years ago, while my husband was serving in the military, I had a secret affair. I was lonely, had a 1-yearold daughter, and worried about the possibility of my husband not being able to survive the war. I often needed a handy man to make minor repairs. I needed a plumber to fix my sink, so I called a handy man who was advertising in the newspaper. Nothing happened between us, but several months later I had an electrical problem and called him again. We were attracted to each other. He was divorced. We went beyond repairs. My husband and I are now celebrating our 36th year of a happy marriage. I have not told him about my affair. I feel guiltier about it every day. At this stage of life, I am now wondering if I should tell my husband to ease my conscience. What is your opinion? . Before you make your decision, make sure you are prepared to accept the consequences. No marriage is perfect, and you know your husband better than anyone. Who knows what his reaction would be? Write out a checklist of winning/losing options that could occur. Would it change his feelings about you, cause a divorce, make him appreciative of your honesty, change your families’ opinions of you? Would he cause you physical harm, lose interest in you, start sulking or just lose interest in your relationship at this late date? Would it make a difference at this point in your lives? Simply wanting to relieve yourself of guilt may or may not be a viable solution now. Only you can make that decision! Doug Mayberry makes the most of life in a Southern California Retirement community.
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universalserviceswi.com
Wisconsin’s Premiere Senior Moving Company
Rents start at
$679 rent with
1 month FREE signed application & approval
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1 & 2 Bedroom Floor Plans — No Income Limits! • All Utilities Included • Underground Parking • Secured Lobby • Laundry on Each Floor • Elevator • Social Activities • Community Room • On-Site Management • Beauty Salon
414 -78 8- 0242
8935 S. Wood Creek Drive, Oak Creek 3blks. West of Howell Ave. off Puetz Road
Enhancing care, Enriching home, Enjoying life
Your Neighborhood Assisted Living in Waukesha and Milwaukee.
25 Haven at Sweet Applewood in Cudahy
Years of Caring
opening in Winter 2015!
414.258.9955 - info@cclswi.com Visit our website at: www.cle-ccls.com
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Embrace What Works For You! BY: DOUG MAYBERRY
Q
. Four years from today, both my husband and I will retire.
We are eagerly looking forward to doing so. We understand the transition will not be perfect, but we will have our freedom then, and will be no longer under the supervision of managers. Our bonus is we love having a two-year-old great-grandchild living nearby. From other retirees who have already made the retirement transition, what benefits have they found most beneficial and rewarding? . My feedback is that retirees are happier in retirement because not only do they have their freedom but now they can enjoy traveling, assessing their health options, participating and attending at sports events, planning and doing regular exercising, spending more quality time with their families, reading books, learning to use their computers and emailing, having time to cull and clean out their clutter and garages, enjoying their privacy and sharing more quality time with their wives or partners. Retirees are generally happier, are accepting and grateful, and believe that they have lived in the best of times. Most seniors appear contented and at peace with themselves. Some say they miss full-time work, but it does not take long to get over that! Others may write a book or journal, or just do something they always wanted to do but did not have time. Some consider climbing a mountain, parachute jumping or becoming certified for scu-
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Cottonwood Trails Apartments 4600 S. Nicholson Ave, Cudahy, WI
Ask About Rent Special
Cottonwood Trails Apartments is a senior complex which offers income eligible 1 & 2 bedroom units for adults 55 plus. This is a non-smoking environment with heated underground parking, elevator service, laundry rooms on each floor, controlled entry access with private intercom, and a community room for social activities. Heat and water are included in the rent.
Please contact Andrea at 414-483-9969 to schedule a showing.
cottonwood@bearproperty.com
ba diving! It’s their choice. Hopefully you have saved enough money for your lifetime. Some lean on a rule of thumb and guess that inflation doubles living costs every 10 years. Some choose to take part-time jobs to stay ahead financially. Surveys indicate a large number of seniors spend eight or more hours with their televisions. We were not born to be alone, and loneliness can become a major concern. Getting out of your home, enjoying nature and caring for others help minimize that issue. Having the opportunity to run wild and shout at the moon are opportunities you do not want to miss!
Retirement Community N168 W22022 Main Street Jackson, WI 53037 www.jacksoncrossings.com
(262) 993-2838 Come and see why Jackson Crossings is your best choice for senior living in the area
Enjoy Living on the Lake Only Minutes From Milwaukee • Spacious Independent Apts. • Assisted Living • Memory Care Hwy 45 North to Hwy 60 East
The Right Medicare Supplement. Right Here for You! Call today for a
s &REEDOM TO CHOOSE ANY no obligation DOCTOR SPECIALIST OR HOSPITAL quote. s !FFORDABLE PREMIUMS 1-800-236-1448 s .ATIONWIDE 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
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 2014
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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.
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Making The End Easier BY: TERRY SAVAGE
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o one wants to think about death, much less plan for the aftermath. But seeing as it is the most inevitable event in our lives, don’t we owe it to those who love us to make the burden easier for them to bear? That’s what estate planning is all about. And it isn’t just for the wealthy. Before you start your plan with an attorney, you need to consider two important issues about which you must make some decisions: people and process. —The people issue. Before deciding on the “form” of your estate plan (will versus revocable living trust), you need to think about some people issues. You may start by thinking of the list of “who should get what.” They will be your beneficiaries — the people or charities who get the stuff or money you leave behind. If you have a life insurance policy, your named beneficiaries will get the proceeds. Similarly, if you have an individual retirement account or 401(k) plan, the beneficiary you named with the plan custodian will get all the assets. But for the rest of your assets, the probate court in your state will decide how they will be distributed and to whom — unless you give specific instructions in the form of a legal document, not just a handwritten note. If you hold title to your house in joint name with rights of survivorship, then your co-owner will automatically get the property. Otherwise, you need to name someone to receive the asset. If you have minor children, you must name a trustee for those assets you want them to receive. Otherwise, a judge will do it for you.
Thinking about who gets what is the first step — but not the only “people” issue. Equally — or more — important is the issue of whom you trust to carry out your wishes for your distributions. That person will be the executor of your will — or the successor trustee of your living trust. And because you will also be creating two more important documents — a health care power of attorney and a living will, which gives your wishes about prolonging treatment at the end of your life — you’ll need trusted people to carry out those wishes when you cannot act on your own. They will not necessarily be the same people as the one you name to carry out the financial and legal issues of your estate. Suddenly, you understand the importance of trusted adult children, true and competent friends who will likely outlive you, or an attorney who will do more than draw up the necessary documents. Peace of mind demands that you have at least one person you can trust to have your best interests at heart when you cannot act for yourself. —The process of your estate plan. You don’t have to be an estate planning expert to understand the two basic forms of estate planning. These two forms have nothing to do with estate taxes, which will apply only to estates well over $5 million. This is all about how your assets are distributed. If you make a simple will, it will have instructions for the distribution of your property. Your named executor will take your will to the probate court, for which the “estate” will pay a fee. And it could take months or longer for the court to order a distribution of the assets to your named beneficiaries.
Special Fall Pricing at Clement Manor! Take a Tour of Our Independent and Assisted-Living Apartments
SPECIAL PRICING STARTING AT $ 1,007/MO.
YOU CAN HAVE IT ALL AT CLEMENT MANOR
Discover our newly remodeled apartments with special rates now thru December 31!
ENJOY ALL THAT CLEMENT MANOR HAS TO OFFER:
• Safe, secure facility • Fascinating neighbors • Opportunities to stay fit in mind, body and spirit • Amazing amenities
YOUR NEW LIFESTYLE IS WAITING FOR YOU!
For more information, contact Kim at 414.546.7000 or info@clementmanor.com. Sponsored by the School Sisters of St. Francis
9405 W. Howard Ave. • Greenfield, Wis. • 414.546.7000 • clementmanor.com 2014
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SILVERADO MEMORY CARE COMMUNITIES
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earning that a loved one has been diagnosed with a form a dementia is certainly not easy news to digest. However, a dementia diagnosis doesn’t mean the end of a purposeful life. With 18 years of experience specifically in memory care, Silverado communities are dedicated to changing how the world cares for and perceives those affected by memory loss by staying focused on giving residents purpose, freedom and joy in life. Like all Silverado communities, Brookfield and Oak Village — which serve the greater Milwaukee area — combine the social benefits of a community lifestyle with the support of a world-class clinical team. At Silverado, lives are transformed every day — from a former piano teacher who begins playing again just when she thought she could no longer play, to a gentleman who lost his verbal communications skills but now expresses himself through art and music. Silverado was founded with the goal of establishing purpose as the foundation to ensuring a full and rich life. Helping residents find their sense of purpose provides them with utmost dignity, freedom and respect.
Bringing the Silverado experience to life is a passionate staff that includes around-the-clock licensed nurses, an industry-leading medical director at each community, master’s level social workers and specially trained caregivers. Each community also features progressive design elements specifically to benefit the memory-impaired — from memory boxes that help residents independently find their rooms to gardens, a putting green and walking paths that give a sense of freedom and confidence. The best way to experience the life-enriching care at Silverado is to drop by to see it firsthand. Silverado Oak Village is located at W128N6900 Northfield Dr, Menomonee Falls, WI 53051. And Silverado’s new, built-from-theground-up community, Brookfield, is located at 1105 Davidson Rd, Brookfield, WI 53045. You can learn more by calling (866) 522-8125 or by visiting silveradocare.com.
Silverado communities enrich the lives of individuals and families affected by memory loss through exceptional care, a highly skilled staff and unmatched service.
Call to schedule a visit and see why Silverado is the choice for Alzheimer’s care in Wisconsin
(866) 522-8125
Memory loss...
Conveniently located in Brookfield and Menomonee Falls silveradocare.com/50plus
shouldn’t take away purpose and passion in life
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ADVANCE PHYSICAL THERAPY
P
hysical Therapists can help reduce and manage pain, for various musculoskeletal conditions specifically low back pain, which affects up to 80 percent of Americans during their lifetime. Physical therapy interventions which facilitate mobility of the spine along with specific exercises for strengthening help to alleviate the pain and can have long-lasting effects. If you are at risk of heart disease, the American Heart Association encourages seeing a physical therapist for the initial treatment of pain resulting from tendinitis/bursitis, degenerative joint problems (osteoarthritis), and inflammatory joint problems (rheumatoid arthritis), rather than prescription pain medication. Physical therapists are a great alternative to medication and surgery for musculoskeletal pain due to their extensive knowledge in anatomy and correction of faulty posture. Research shows individuals who receive active physical therapy experience greater improvement in function and decreased pain intensity. Physical Therapists are also involved in managing and treating patients with other chronic illnesses and diseases such as diabetes through exercise and wound management; cancer through lymphedema and pain management. No matter what your injury or illness, a Physical Therapist can help you alleviate or manage pain without costly medication or other invasive methods, and while instructing one how to optimize their functions and mobility so an individual may achieve their goals. Let the experienced staff of physical therapists at Advance Physical Therapy Services, LLC provide you with the quality interventions needed to help manage your musculoskeletal concerns.
THOMPSON MEADOWS
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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 $585 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.
• Country like setting • Gazebo & Garden • Huge closets • Large open kitchens • Same floor laundry • 1 & 2 bedrooms starting at $585 • Small pets welcome • Elevator • Library
Professionally Managed
For Independent Seniors 55 & Better 414.769.9240
3120 E. Norwich Avenue • St. Francis, WI 53235 thompsonmeadows@aol.com 2014
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THE SAN CAMILLO LIFESTYLE.... Strength of Community, Warmth of Home!
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he St. Camillus campus is more than a retirement community, more than a healthcare provider, and based on an abundance of testimonials from residents and their families, more than you might expect! Our continuum of care extends from independent living to assisted living, to skilled rehabilitative and nursing care - all in one community. We even provide home care services in the privacy of your home or ours. Location... Location… Location! Nestled in a residential neighborhood directly across from the zoo, St. Camillus offers beautiful views, a great central location and close proximity to the area’s best medical facilities, shopping, restaurants, and cultural opportunities. The St. Camillus Continuum of Care begins at San Camillo, our vibrant retirement living community designed for adults 62 and older. Walk inside our doors and you will discover a warm, welcoming community where our residents enjoy beautifully appointed common areas, abundant offerings for dining, daily worship, education, and fitness as well as a myriad of cultural and social opportunities. Our 280 spacious, well appointed apartments vary in floor plans and size – something for everyone! Residents are able to customize their apartments according to their own sense of style through our comprehensive Design Center. St. Camillus Home Care offers additional services on a temporary or long-term basis to those in their home—whether at San Camillo, an assisted living apartment, or residing still in the atlarge community. Services range from a nurse’s visit to regular
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housekeeping service. Should a individual’s needs outgrow the scope of our home care support program, a move to our assisted living can easily be arranged. Our Assisted Living staff offers a continuous level of support, providing 24-hour care and support to all residents. Our Assisted Living residents maintain an active lifestyle and enjoy numerous amenities the St. Camillus campus offers, and feel secure knowing ’round the clock nursing services are available. We even offer a program designed to meet the unique needs of residents who have experienced significant memory loss due to Alzheimer’s or related dementia. Rated one of the best skilled nursing facilities in the country by US News and World Report, and earning a Five Stars rating of excellence by Medicare, St. Camillus Health and Rehabilitation Center offers both short-term and long-term care. Our shortterm rehab program works to restore an individual’s health and independence, granting them the ability to return home as quickly as possible. Our long-term care programs offer 24-hour nursing care to meet the most complex rehabilitative needs. St. Camillus makes palliative and hospice care available in our residents’ homes, wherever that might be. Our nurses and pastoral staff are here to help during our residents’ final months, days, and even minutes, and will do everything possible to make the journey more comfortable and peaceful. To learn more about the San Camillo/St Camillus difference, contact us at 414-259-6310 or stcam.com.
Even The Most Loving Caregiver Is Vulnerable To Elder Abuse
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BY: DR. DAVID LIPSCHITZ
t is almost impossible to imagine a loving spouse or child striking out and abusing their partner or parent. It is a sad fact, however, that in the majority of cases a family member is the abuser. Abuse occurs in every setting and is just as common in affluent families as in poor families, in those with a high level of education or low, by spouses, children and friends, irrespective of age, sex or ethnicity. The second most common individual is someone hired to care for a dependent older person. Family members caring for a dependent older person are referred to as informal caregivers, and those who are hired are formal caregivers. Physical violence, while horrifying, reflects only a small fraction of the problem. The patient may be slapped, dragged, pulled and scratched if he/she fails to follow instructions while bathing, dressing or using the toilet. Because of increased awareness and training, crimes against residents in nursing homes are less frequent. Most abuse is emotional or psychological. A caregiver may yell, humiliate, insult or threaten. Neglect is a form of abuse. Failure to feed, groom, assist with toileting, allowing the patient to live in an unsanitary environment or failing to follow treatment plans are all forms of neglect. On occasion, a caregiver may abandon the patient at a hospital, park or even railway station. Caregivers may take advantage of patients financially by writing
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checks, stealing Social Security checks, cash or belongings, or forging a signature. Patients with Alzheimer’s disease are particularly prone to abuse. Recently, the British Medical Journal published a study that examined the prevalence and forms of abuse amongst caregivers of patients with Alzheimer’s disease. A total of 52 percent of caregivers admitted to some form of abuse, the most common being screaming or yelling (26 percent), using a harsh tone or swearing (18 percent) or threatening to send the patient to a nursing home (4 percent). Only 1 percent reported physical abuse. Most caregivers who admitted to emotional abuse indicated that it occurred rarely. Caregivers who did abuse their loved one were remorseful and guilty, but felt provoked. What causes abuse? Although stress from being a caregiver is a major risk factor for abuse, it is not the most common. Stressed individuals are more likely to abuse if they are depressed, receive no support from other family members or feel that being a caregiver is overwhelming and burdensome. Abuse is more common in spouses who have significant conflicts during their marriage. Men are more likely to abuse than women, as are those with low self-esteem, alcohol and drug dependency, or those who have been abused themselves. Abuse is more common if relatives are financially dependent on the person for whom they are caring. As it can occur in every setting, it is important that close friends, family and physicians be on the lookout for elder abuse. A problem should be suspected if bruises, scratches or fractures occur, if the patient complains that the caregiver has been emotionally abusive or if there are signs of neglect such as weight loss, poor grooming and failure to take medications. Because of the breadth of the problem, every caregiver must be aware that they are at risk of being abusive. The more elder abuse is understood, the greater the public awareness and the more education, the better. Learn as much as possible about elder abuse and caregiving. If possible, caregivers should not “go it alone.” Insist that children, other siblings, grandchildren or friends help. Every caregiver should make sure that his or her needs are met and always consider respite care if possible. Look into adult day health care that provides the caregiver with time alone and an opportunity to take care of his or her own day-to-day tasks. Ask a relative to take over care for a weekend, or consider admission to a nursing home or residential facility for respite care. In many circumstances, this may be a benefit covered by Medicare or insurance. And last but not least, join a caregiver support group. Rest assured, there are many wise individuals who have experienced similar problems. Taking care of a beloved spouse or parent, although very difficult, can be spiritually rewarding and a truly uplifting experience. This will only occur if you truly understand the task and seek the necessary support and love to make it work. Dr. David Lipschitz is the author of the book “Breaking the Rules of Aging.”
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FIVE STAR QUALITY CARE
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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.
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 28 | next 2014
RENT A DAUGHTER
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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.
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.
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, Dr. Daniel Ferguson, adds, “Planning and investing in regular eye check-ups can benefit your sight, attitude, freedom and bank account.” For example, age-related vision impairment is a leading cause of disability and nursing home placement. It creates increased expenses in terms of doctor visits, special transportation, medical supplies and services. Vision loss also causes: difficulty doing tasks (cleaning, cooking, reading, seeing to take medicine, etc.); an increase in injuries, falls and car accidents; social issues (fear, withdrawal, depression, anger); and loss of freedom (to drive, shop, work, play, etc.) 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 125,000 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?”
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
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The Top 10 Social Security Myths
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BY: TOM MARGENAU
f I had the space, I probably could write a column called “The Top 100 Social Security Myths.” I see examples of them almost every day in the emails I get from my readers. Alas, I’ll barely have room to cover the top 10. With Social Security, there are misunderstandings about programs and policies. And then there are political myths. I will give examples of the former today. In some future column, I will tackle all the silly myths, half-truths and outright lies being spread (mostly on the Internet) about the politics and financing of Social Security. Myth 1: Social Security retirement benefits are based on your last 10 years of earnings. Other misunderstandings say benefits are determined using a “high five” or a “last three” base of earnings. None are true. All retirement benefits are based on a person’s highest 35 (not necessarily consecutive) years of earnings — with each year being adjusted for inflation. If you don’t have that many years of Social Security-covered work by the time you retire, “zero” years are factored into your benefit computation to get to the 35year base. Myth 2: You can take reduced benefits at 62 and later switch to full benefits on your own or a spouse’s record. With very few exceptions (the major one applying to widows), you simply can’t do that. If you apply for any kind of Social Security benefit before age 66, you must file for all other benefits you are due at the same time. But those rules change dramatically if you wait until age 66 to file. At that age, you can apply to receive half your spouse’s Social Security and then at 70, switch to 132 percent of your own retirement benefits. Myth 3: If you are due benefits on two different Social Security accounts, you will get both full benefits. Whenever you are due two Social Security benefits, you don’t get them both. You will only get the benefit that pays the higher amount, or you will get combined benefits that cannot exceed the higher of the two accounts. Quick example: Mary is due $200 from her own Social Security account and $700 in wife’s benefits on her husband’s record. She will get $200 from her account and $500 from her husband for a total of $700. Myth 4: You must be married for at least 10 years to qualify for spousal benefits from Social Security. That 10-year duration of marriage rule applies only to divorced spouses. For currently married couples, there usually is a one-year marriage requirement. Myth 5: A wife gets half of her husband’s Social Security. She only gets half IF she waits until age 66 to claim benefits. Most spouses start benefits before then. In that case, her benefit is reduced roughly one-half of one percent for each month she is under age 66. Myth 6: You can’t get any of your ex-husband’s Social Security until he dies. There are millions of divorced women who get monthly benefits from an ex-husband’s Social Security account while he is still living. But you can get such benefits only if both you and your ex are 62 or older. Also, you would only get benefits if what you are due from the ex (between 35 to 50 percent of his ben30 | next 2014
efit) exceeds what you are due on your own Social Security account. And one other point: Your ex does NOT have to be drawing Social Security in order for you to claim benefits on his account. Myth 7: You can get Social Security from a former husband even though you have remarried. As long as you are married to husband number two, you cannot get any of husband number one’s Social Security. But if your marriage to number two ends, then you can go back and claim benefits from your first husband. Myth 8: If your ex-husband has remarried, you must share benefits with the new spouse. Each spouse potentially due benefits on a guy’s Social Security record is treated independently. They do not offset one another. By the way, that does not mean that Social Security rolls are overrun with multiple ex spouse cases. In my 32year career with Social Security, I only once saw a record for a guy who had three ex wives collecting on his account. I never saw four or more. In fact, even a record with two ex wives was not that common. That’s because most women remarry (see Myth 7) or they get higher benefits on their own record (see Myth 3). Before moving on to Myth 9, here is a quick aside. You will note that Myths 5, 6, 7, and 8 all referred to woman as spouses. Social Security is gender neutral. But society hasn’t been. Men traditionally have made more money than women. And many women take time off from careers to raise a family. For that and other reasons, they get smaller Social Security benefits than men. So that’s why they tend to qualify for spousal benefits on a husband’s (or ex-husband’s) Social Security record. Myth 9: Social Security disability benefits are welfare. Where does this idea come from? (Actually, I think I know, and it’s explained in the answer to the next myth.) Let’s look at two people. Joe has worked and paid Social Security taxes all his life. He retires at age 62 and gets Social Security retirement benefits. Jack has also worked and paid Social Security taxes all his life. Unfortunately, he comes down with prostate cancer at age 58 and starts getting Social Security disability benefits. Why do so many people think Joe is getting a benefit he earned while Jack is getting some form of welfare? They are both getting Social Security benefits they have earned by working and paying taxes. Myth 10: SSI is some kind of Social Security benefit. Supplemental Security Income is a federal welfare program that has nothing at all to do with Social Security other than the fact that it is managed by the Social Security Administration. SSI benefits are funded by general tax revenues, not by Social Security taxes. SSI pays a very small monthly stipend to poor people who are over age 65 or who are under 65, but disabled. Unfortunately, many people confuse SSI disability payments with Social Security disability benefits. They are two distinct programs. The former is a welfare payment. The latter is an earned benefit. If you have a Social Security question, Tom Margenau has the answer. Contact him at thomas.margenau@comcast.net.
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It Is Never Too Early Or Too Late To Pay Attention To Your Health
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BY DR. DAVID LIPSCHITZ
o many of my patients in their early 70s and 80s scoff when I tell them it is not too late to start reforming and living a healthy lifestyle. However, research published in the British Medical Journal showed quite conclusively that developing a healthy lifestyle in adults aged 75 and older led to a significant prolongation in life. The research conducted in Sweden followed 1810 individuals over age 75 for 18 years, and by the study’s end, over 90 percent had died. The research examined not only the importance of a healthy lifestyle, including exercising, eating right and not smoking, but also the impact of social networks and leisure activities. In this study, individuals were defined as having healthy lifestyles if they participated in one or more leisure activities and had a strong social network. Those who had unhealthy lifestyles did not participate in any leisure activity, spent a great deal of time alone and had few friends. In this older population, those who had a healthy lifestyle lived 5.4 years longer than those who did not. Exercising more, eating right, having a great social life and not smoking adds an average of six years to a man’s life and five years to a woman’s. Even at aged 85 and despite having numerous chronic medical conditions, those identified as having a healthy lifestyle lived four years longer than those that did not. And former smokers lived as long as those who never smoked. The message to everyone out there is that the key to longevity is embracing life to the fullest, living healthy and living well. And if the benefits are obvious at age 75, imagine the value for those who have been committed to health throughout their lives. I believe strongly that to live long and live well, you need to embrace life to the fullest. In my book, “Dr. David’s First Health Book of More (Not Less),” I summarize the 10 steps of more that lead to a longer, better, healthier and more independent life. Here they are: FIRST and foremost is more passion. Embrace life to the fullest and tackle every activity with passion and enthusiasm. SECOND is more peace. Stress is a major predictor of ill health, and learning how to cope with stress and live a peaceful life is an essential element of staying healthy. THIRD is more love. This includes love of family, friends and community. A love-filled life surrounded by people is the essence of a strong social network and the absence of loneliness which is a major predictor of ill health. FOURTH is more self-love. To be happy and healthy, we have to have high self-esteem, be comfortable in our skin and know that we are valued. FIFTH is more laughter. The happier you are, the more amused you are by your weaknesses, and the more you laugh, the longer you live. SIXTH is more faith. Those who believe in a higher power live longer than those who do not. But it is not what faith or denomination you belong to that is important but spirituality that includes,
hope, love, faith, charity and, most importantly, the capacity to forgive and be forgiven. SEVENTH is more food. But more of the right and less of the wrong food. This includes the right fats (olive oil and omega 3 fatty acids), the right protein (lean meats and fatty fish), avoiding too much starch and eating all the fruits and vegetables you want. EIGHTH is more movement. Clearly, exercise is the longevity pill. The more active you are, the longer you live. But remember: Exercise your heart and lungs, build your muscles by weight training, stretch and do balance exercises. NINTH is more health education. The more you understand what it takes to stay healthy and how to navigate the health system, should you become ill, the more likely you will receive the best medical care and live longer. And, finally, tenth is more freedom. Feeling free, able to do anything we want and able to participate in every aspect of life is a powerful element guaranteeing longevity. If it can work at age 75, it can surely work better if you start earlier. Dr. David Lipschitz is the director of The Longevity Center at St. Vincent Infirmary Medical Center. 2014
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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.
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Make reservations online at paysbig.com/bustrips.
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Make your reservation via phone by 3 p.m. the day prior to your trip.
3
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1-877-894-6287
No line run service on any major holidays. Must show valid photo ID and Club card to receive any portion of the package. Five-hour minimum stay is required.
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 ©2014 FOREST COUNTY POTAWATOMI COMMUNITY, WISCONSIN