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A EDITORIALS
October 2013 Vol 26 No. 10
COMPLIMENTARY
POMMER:
Obamacare brings attention to insurance
page 3A
EDITORIALS
STATE CAPITOL COMMENT
By Matt Pommer Nemovitz:
Mom & Dad do need advice
page 6A
Estate planning MOVING IN THE is very important RIGHT DIRECTION
page 7A
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ELLENBECKER: By Bruce Nemovitz
re those birds we hear singing so beautifully along the lakefront in downtown Milwaukee? Wait. It sounds like Nat King Cole. But it can’t be as he’s dead. Still, those are the jazzy tunes Cole made famous. Of course, we should have realized the songster is none other than a robin by another species, Robin Adkins singing his way along as he does his daily duties for the Milwaukee County Parks. Adkins, a handsome 52-year-old man of muscular stature, who has lived in Milwaukee all of his life, except for six years as a United States’ Marine, is known for his kind and outgoing personality and his magical smile. But they’re his trained vocal chords that make him a definite leader in today’s world of music. Robin, whose mom and dad were local musical personalities playing piano and saxophone, respectively, as well as being
By Karen Ellenbecker & Julie Ellenbecker -Lipsky
Robin Adkins paints rainbows in song
SENIOR
robin adkins continued on page 12A APRON Emma STRINGS Estate recovery provisions are changing By Aunt Emma
Do you believe government policy should help family farmers, and small businesses? Do you believe Ellenbecker in marriage and families? By Karen Do you think that older people & Julie Ellenbecker should be able to stay at home AGING and -Lipsky avoid institutional care? Or, ISSUES that the spouse at home should not By Tom Frazier be impoverished when the other spouse requires nursing home
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Answer Man people who receive assistance from
care? If your answer is “yes” to these questions, then I must tell you that our Governor and a majority of legislators in Madison don’t agree with you. I am talking about new and onerous Estate Recovery provisions that were buried deep in the recently passed state budget. Estate Recovery refers to recovering money from the estates of
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the state’s Medicaid program. It is required by federal law, but states decide how to implement it. Until now Wisconsin has been moderate in pursuing estate recovery, but recent changes passed into law as part of the state budget will make Wisconsin one of the most aggres-
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2A • 50plus • October 2013
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Obamacare brings many changes and more developing The cost of individual Obamacare health-insurance policies could capture the Wisconsin political spotlight this month, but other - perhaps more important - changes are developing. The rates charged by insurance companies for individual policies will attract much attention. Rates in California, already released, are lower than expected. Will competition have the same impact on Wisconsin? Health insurance probably is the biggest economic issue in America. Insurance costs increased this year by 4 percent. Across the country the average for a family plan is $16,351 while the average for a single policy is $5,884. The 4 percent increase compares to a 1.8 percent increase in average American wages and an overall 1.1 percent inflation rate. But a revolution in health insurance is already underway. Employers are increasing the annual comprehensive deductibles and co-pays, according to the Kaiser Family Foundation. Republicans are touting the approach. Consider Gov. Scott Walker’s remarks on a national television program in August: “The way I prefer to go, which
frazier continued from page 1A sive states in the country in pursuing money from estates. The Department of Health Services (DHS) wants authority to go after everything! Here are a few of the changes: Previously, only probate assets were considered. Under the new law, non probate assets such life insurance, retirement accounts, joint tenancy property with the right of survivorship, etc. would be fair game for recovery. Estate recovery now ends with the death of the person receiving Medicaid benefits (usually nursing home care or Family Care). The new law will extend recovery to the surviving spouse, including marital property that was or became marital property within 5 years before the Medicaid recipient’s enrollment in the program. The state may pursue estate recovery from the spouse even if there was a subsequent divorce (this is why in the future people may divorce before anyone needs Medicaid).
STATE CAPITOL COMMENT By Matt Pommer
is you ultimately control health-care costs by allowing people to have control, having more ‘skin in the game,’ over their health care and wellness, not just health care,” Walker said. Drew Altman, president of the Kaiser Family Foundation, cited figMOVING IN THE ures from a surveyRIGHT of 2,000 employDIRECTION ers. The responses By showed 78 percent Bruce Nemovitz of the companies now have a general deductible as part of their employee plan, and 38 percent of those have at least a $1,000 annual deductible. “It’s part of what I see as a quiet revolution in health insurance, moving from more-comprehensive to AGING less-comprehensive with higher deISSUES ductibles.” Altman told the New York By Tom Frazier Times. It especially appeals to conservatives. Altman called it a “version of health insurance that they’ve always In the near future, DHS will be able to prevent a transfer of real property where a Medicaid recipient is inPLANTING volved. In some cases, DHS can even TOMORROW’S DREAMS TODAY void a transfer of property (e.g. Title By Brad Olson companies will likely want a release from DHS in order to provide a clear title. It is mind-boggling to think of DHS in the real estate business). Partial cures for divestment under the new law will no longer be allowed (e.g. if someone gives their son $20,000 to pay his mortgage and he pays back $19,000, theSPORTS person is still By Jack Pearson subject to the full $20,000 divestment penalty, so there is no incentive to pay any of it back). The new estate recovery provisions will, in effect, reverse spousal impoverishment protections (by considering all property marital property subject to estate recovery upon the death of the second spouse). To add insult to injury, DHS is now requesting the Joint Committee on Finance to approve the implementation of these changes without a pub-
favored, with more ‘skin in the game,’ the one that’s coming to dominate the market place.” With the demise of state employee collective bargaining in Wisconsin, Walker could - with the help of the Republican-controlled Legislature adopt a “more skin in the game” approach to health care for the tens of thousands of state employees. State government is the largest employer in Wisconsin providing health insurance MONEY to its SENSE workers. By Karen Ellenbecker The state program covers more than & Julie Ellenbecker 140,000 persons including state em-Lipsky ployees and their families. Many citizens don’t realize that whatever the state does has a major impact on health insurance. For example, the state played aAPRON key role in the Emma early 1980s when it STRINGS opened the door to health maintenance organization By Aunt Emma (HMO) coverage for state workers. As an alternative, the state also provided alternative to employees willing to pay higher premiums which that allowed them to access any medical provider. A small percentage of state employees - often older workers - chose this option. The HMOs provided cost compe-
tition and were less expensive. Workers overwhelmingly joined those programs. A key element for HMOs was the idea of primary physicians who oversaw coordinated health care. The state employee experience led to an HMO boom in many parts of the state. In turn, many local governments opted to offer HMO coverage as an alternative to their workers. Participation in private-sector HMO programs soared. On the CNBC television program Walker also said Wisconsin employers don’t like the uncertainty that has come with Obamacare. He suggested they are reluctant to hire additional workers. The law requires companies to provide health insurance if they have 50 or more workers. Jobs will be an issue in the 2014 election as Walker seeks another four years as governor. In the 2010 election Walker vowed Wisconsin would add an additional 250,000 jobs if he won a four-year term. Most experts are skeptical that Walker will be able to claim that those jobs have been created. Right-wing talk radio will certainly blame Obamacare if Walker’s job promise for Wisconsin falls short.
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lic hearing or any input from anyone on the implementation plans despite the fact that the law states that “the department of health services shall submit one or more proposals to the joint committee on finance requesting approval of the implementation of the estate recovery and divestment provisions of this act.*” Let’s hope that the committee will not go along with the DHS “approve it now and plan later” approach. In addition to the negative policy implications related to family farms, small businesses, and marriage, there are other serious consequences. For example, Family Care was developed to help people avoid institutional care by reaching them early to provide apBy Enis Wright propriate services and delay, for as long as possible, more expensive care. Even without the new more invasive provisions, only 30% of Family Care enrollees are older persons and I believe that is, in part, due to the existing estate recovery law. With the new provisions, I fear that even more people
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will avoid getting needed care through Family Care and later end up in a nursing home and be subject to estate recovery. We will return to the days of having few choices, all of them bad. According to Kate Schilling, Legal Services Manager for the Greater Wisconsin Agency on Aging Resources, “this change in estate recovery is an attack on middle class people who have worked hard their whole lives to buy a house, pay for college educations, and save for retirement. And now they have to decide between the long-term care they desperately need and being able to pass down a home or farm that has been in their family for generations.” It seems to me that there is a lot for all of us to not to like about this new law, especially the expansion of government into our lives and pocket books. * The Joint Committee on Finance approved the DHS request on September 18.
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COMMENT By Matt Pommer By Matt Pommer
STATE CAPITOL TRAVEL COMMENT
MONEY SENSE
4A • 50plus • October 2013
By Karen Ellenbecker & Julie Ellenbecker -Lipsky
EDITORIALS
MOVING IN THE RIGHT DIRECTION
TRAVEL TRAVEL
MONEY SENSE By Matt Pommer
MONEY SENSE By Karen Ellenbecker &ByJulie Ellenbecker Karen Ellenbecker -Lipsky & Julie Ellenbecker -Lipsky
worker perhaps got $5-plus per hour. He or she paid less than $2 a gallon for APRON MONEY gasoline, 20 cents for hamburger, 25 SENS By Aunt Emma Answer Man Emma APRON STRINGS By Karen Ellenbec Emma Yes, AMAC will be in the senior The AARP, American Associato 35 cents for a glass of beer and $50 STRINGS By Aunt Emma & Julie Ellenbeck Answer Man tion of Retired Persons, is somewhat discount business as a way to entice for a hotel room if they could afford-Lipsky By Aunt Emma Dear SAM: Answer Man of a left-leaning national organiza- members. But it also, at its core valI recently read that the really to travel. Today, that gasoline (at this ue, claims that it will have effective poor people among us are the faithful writing) is $3.99 per gallon on regular tion that has many retired persons as AGING ISSUES THE unleaded, $3 or more for a hamburger, Frazier members. Rightly so, the AARP is an By Tom representation as a promoter of conAGINGWalmart shoppers. ButMOVING why doesINthis AGING ISSUES RIGHT DIRECTION servative views. active organization; it has teeth and it $3 to $3.50 for a beer and $90 to $110 have to be? I know that people will NEY SENSE ISSUES By Tom Frazier By Bruce Nemovitz By Tom Frazier en Ellenbecker While we find it difficult to be- tell me that everything is relative. But for an average hotel room per night. tries to make its bite effective, espeie Ellenbecker -Lipsky lieve this upstart, very late in the pro- I don’t believe it. Do you? cially so in Washington, D.C. Minimum wage workers still are AARP not only lobbies in Wash- gram, will be all that effective, the Why don’t our ConLooking for some answers, stuck at $7.25.Emma ington for seniors, but also as a na- AMAC’s main thrust, drawn from gressmen force this upward? Susan Symlericalus By Aunt Emma PLANTING their literature, is what they call the tionally recognized organization pro- TOMORROW’S With immigration laws, are we DREAMS TODAY PLANTING motes discounts for this and that for infamous Obamacare. It is promoting just looking for people to allow us to Dear Susan: Olson PLANTING TOMORROW’S PRON seniors. Further, it publishes interest- By Brad TOMORROW’S DREAMS TODAY When some people use the term the death of Obamacare due to lack of keep some wages at almost starvation DREAMS TODAY By Brad Olson RINGSing newsletters and a magazine that Congressional funding. “relative” they are comparing apples rates? By Brad Olson unt Emma promotes its core ideas. While we believe the jury is still with apples, not apples to lemons. I certainly am in agreement that Now comes onto the national out on Obamacare, we also believe Consider the times twoAGING decades the really wealthy are becoming more ISSUES scene, an organization that is said to AMAC’s immediate goal of one mil- ago or even three or four. We believe so. Perhaps they deserve it. But don’t By Tom Frazier the poorest among us deserve a living lion members by Jan. 1, 2014, is quite that if we checked back to the econombe better for us and thusly better for SPORTS America. Its name is AMAC and it isBy Jack probably unattainable. Without at ic realities of those times, there would wage? Pearson SPORTS we might promoted as the conservative alterna- least one million I guess relevancy really is what be rich, middle class and poor people. SPORTS themembers, WRIGHT By Jack Pearson By Jack Pearson guess AMAC will not reach identifitive to AARP. There even were in biblical times. you wish it to be. SIDE of the WRIGHT able goals. God bless us all, However, the I thinkWRIGHT things are getting By Enis Wright of SAM out of proportionSIDE in this modern age. SIDE of By Enis Wright Twenty years ago, aBy minimum wage Enis Wright By Bruce Nemovitz
AARP or AMAC?
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I suspect that you will be crabby, too, or at the very least disgusted when you learn that Medicare fraudulent practices and various abuses by thought-to-be honest practitioners could be costing the taxpayers, who are the U.S. government, up to as much as $90 billion a year. If I only had a bottom dollar, I’d be willing to bet it that you know of at least one case where something went sliding down the slippery slope into dishon-
esty. Let us as individuals contact our Congressional people to better police these programs or to at least respond to our questions wondering if this or that is right. Can it really cost this much? Over the years, I personally have questioned Medicare insurance billing charges and never even got a reply. Public spending is not lagging. It does need better policing.
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Consider a leader of a nation ex- Is there no common sense in the realploding poison gases on his own citi- ity of today7? zens? Then think of our country’s posWhat has ever happened to truth, sibly sending bombs into this foreign charity, inherent goodness and concountry as punishment. How many sideration of others if not charity? men, women and children might we As we continue to achieve technokill while doing so? Would we be logically should we be looking backMONEY SENSE proud of our actions? ward at better times; times when peoTRAVEL By Karen Ellenbecker & Julie Ellenbecker The world has-Lipsky drastically changed ple respected each other; times when over the course of time, but have we the people who wished to change the gone frighteningly mad today? We world only wanted to do so for the may have the strength to bomb and better. not suffer severe consequences at Have we gone mad? Does it have APRON Emma STRINGS home. But aren’t there better ways to to be our way or the highway? By Aunt Emma Answer Man solve problems than by annihilation?
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When it is time to retire, some there. Mary’s job people think urban, others suburban By Brad Olson consisted of fattening and still others a place where the cli- up the poor starving mate is warm. Almost the last place a artists with 55 dozen (660) Krispy retiree wants to be is a place where in- Kreme doughnuts before show time. dependence is lost, i.e., living with the RRRR kids. We suspect this is true regardless Remember the “No pain, no gain” of how nice the kids are to ma and pa. attitude? Today, we’re told to pace RRRR ourselves. Does this mean riding in a A lady named Mary Kallenbach golf cart instead of carrying your golf is a kind and generous soul. She loves bag as you hike down the fairways? SPORTS Mount Mary University and worked RRRR By Jackfor Pearson as an early morning volunteer the While thinking of golf, I must recently held Starving Artists Show mention a man named Ed Matarrese of killing time continued on page 21A
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STATE CAPITOL COMMENT
6A • 50plus • October 2013
By Matt Pommer
When you don’t think you are doing enough, you’re doing all you can Working with seniors and their children has taught me one thing: moving from a long time home is one of the most difficult moves you can make, especially when age has dictated that move. Many of my articles over the years have focused on planning for the future, seeking out advice so that you are prepared for life’s changes and making sure you avoid crisis management. For some, planning is in their nature and those fortunate people avoid many of life’s difficulties, as well as escape crisis management. But for most of us, we react to life’s challenges, waiting for the inevitable and then begin our action plans based on the challenge at hand. All too often, the calls my wife Jeanne and I receive are more like 911 calls needing immediate attention and action as a crisis has inspired the caller to seek out our help. The person on the other end of the call is often the child of a senior needing immediate help with mom or dad who has had a health change that may mean a move from a long time home. The reason we are receiving the majority of calls from the child
MOVING IN THE RIGHT DIRECTION By Bruce Nemovitz
instead of the senior is partly due to the ‘great recession’ which began in 2006. Yes, we are coming out of the real estate downturn, but far too many of us stayed in the home when a move was necessary for health and lifestyle AGING reasons. Many of you decided to ‘wait ISSUES out’ the recession until home prices By Tom Frazier rebounded which left far too many older adults in increasingly unhealthy situations. The home that you loved for so many years that was a labor of love slowly morphed into a labor! I would love to think all of you who have read my articles over the last 10 years have actedPLANTING on my advice TOMORROW’S by preparing for the time when a move DREAMS TODAY to a new home is the By best Bradanswer Olson to your ever-changing lives. Experience
has taught me that giving advice is one thing, but I have come to underMONEY SENSE stand human nature will do just about By Karen Ellenbecker & Julie Ellenbecker anything to avoid change‌especially -Lipsky moving from a long time home. In my new book, “Guiding Our Parents in the Right Direction,â€? I talk about the dynamics of this change and how families can better cope with the move APRON when planning, Emma for the most part this STRINGS has not occurred and this change is at By Aunt Emma your family’s doorstep. Family dynamics are complex and replete with differing viewpoints as to what should be done when an immediate move is necessary. A child of the senior feels that they are not doing enough or don’t know what it is he or she should do or where to begin to help mom or dad? This can feel like guilt and add to the emotional mix of feelings from the past among siblings who need to come together at this critical time. The parents feel that they are placing an unwanted burden on their children and will do anything to avoid adding to their children’s already busy lives. Therefore, planning for any event in your lives can be a great sound bite,
but living reality is another. Whether you are the parent who is faced with an immediate move, or the child who wants to help mom or dad navigate through this complex process, know there is plenty of help at hand. Know that professionals are ready to assist your family with all of the services you will need. The point of this article is to let you know that whether you are the child or the senior moving, you are not alone. You are part of the fabric of life that has a common thread which is rich in texture and color and complex in design. You are not alone and do know that there is help at hand. Your family will get through this process if you let others help guide you. Professionals are ready to assist and provide the information you need at this critical time. These service providers include elder law attorneys, financial advisors, social workers, senior real estate specialists, downsizing and packing companies, estate sale companies, contractors, movers and many others. It is critical that you find referrals from those who have alnemovitz continued on page 8A
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Not Just Realtors... We’re Your Transition calendar Consultants Our goal isSPORTS to make this process both simple and easy. We are your resource By Jack Pearson for the entire selling process, with our team partners offering downsizing the WRIGHT services, home repair and preparation for the successful sale of your home!
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EDITORIALS • 7A What everybody needs to know about estate planning STATE CAPITOL October 2013 • 50plus
The recent death of actor James COMMENT Gandolfini highlights the importance By Matt Pommer of proper estate planning. His Soprano’s character may have been able to skirt the IRS on television, but in real life the IRS may garnish nearly $30 million of his $70 million estate. His biggest mistake was leaving 80% of his estate subject to “death taxes.” About 55% of that is due in nine months. That MOVING means his family IN THE RIGHT DIRECTION may have to start selling off his propBruce Nemovitz erty and liquidatingByhis assets in order to pay what’s owed. Oddly, Gandolfini actually signed a new Last Will and Testament six months prior to his death. His attorney could have established an estate plan that would have enabled his estate to avoid or at least reduce and deAGING lay paying the estate taxes. How could ISSUES this happen? By Tom Frazier Most people do not know what questions to ask an attorney. They assume they are getting proper advice and planning; apparently not so in Gandolfini’s case. Potentially, the federal government will get $20 million, the state of New York about $10 milPLANTING TOMORROW’S DREAMS TODAY By Brad Olson
MONEY SENSE By Karen Ellenbecker & Julie Ellenbecker -Lipsky
lion and the attorney about $3.5 million—nearly half of the estate. Having homes in several states requires a separate probate in each state. APRON To add Emma to the catastrophic planning, STRINGS Gandolfini had a wife, an ex-wife Aunt Emma and children. His willByleaves his estate open to probate (a public process) and should his heirs disagree, they can contest his will and his wishes. Lastly, much of his children’s inheritance will be paid out at age 21 or 25. Will that be a blessing or a curse? What can you learn from this regarding your estate planning? Keep your wishes private. A will is a ticket to probate court, a very public process—which is why we all know Gandolfini’s personal business. Use a Revocable Living Trust.
Ellenbecker Investment Group in Pewaukee provides comprehensive financial planning services and offers complimentary consultations. Go to ellenbecker.com or call 262.691.3200. EIG has an A+ BBB rating and has twice been awarded the Wisconsin BBB Torch Award for Business Ethics and Integrity. Securities and advisory services offered through SII Investments, Inc. Member FINRA/SIPC & Registered Investment Advisor. Ellenbecker Investment Group, Inc. & SII Investments are separate companies. SSI does not provide tax or legal advice. What would YOU like to know? Email your questions to dawn@ellenbecker.com or call 262-691-3200 and say you are calling regarding 50 Plus column ideas. We will address questions in an upcoming column, subject to space available. Watch Karen Ellenbecker on The Morning Blend on TODAY’S TMJ4 the 2nd and 4th Tuesday of each month at 9 a.m. This month’s appearances are October 8 & 22.
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It is private and, if funded properly, avoids probate. Consider putting in place a Lifetime Protection Trust for your beneficiaries, protecting them against creditors in case of divorce or bankruptcy. Ask your estate planning attorney about tax strategies. Taxes are not a bad thing but no one wants to pay more than they have to. Discuss the tax benefits of giving gifts during your lifetime. Look at all of the distribution options for paying out your estate. Inheritances should be a blessing, not a burden. If you have property in other states, again consider a Revocable Living Trust which avoids probate in all states. We will never know whether Gandolfini’s legal and financial advisors are to blame or whether the late actor received proper estate planning advice and failed to use it. If you have not done an estate plan or if it is outdated, please give us a call. We know the questions to ask.
the WRIGHT SIDE of By Enis Wright
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KILLING TIME with Jim McLoone
8A • 50plus • October 2013
Let’s look at Social Security around the world I have always been amazed by the number of people who think Social Security is unique to the United States. Or if not truly unique, they figure that maybe a couple of those “socialist” countries like Sweden and Denmark might have social insurance programs in place, but surely not too many other places. As someone once said to me following a speech I had given: “You know that Social Security is just one of the social experiments forced on this country by FDR (Franklin Delano Roosevelt), and it’s doomed to failure just like so many of his other New Deal programs.” This guy obviously was not a history major. But he mimicked views held by so many people that Social
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Security is some kind of income redistribution experiment that the United States is testing. And if by some miracle it works here, maybe other nations around the world might follow suit. Actually, just the opposite is true. Almost every country on the planet has a Social Security system in place for its citizens. And many of those countries had Social Security laws on their books long before the U.S. jumped on the social insurance bandwagon in the 1930s. I have in front of me a book called “Social Security Programs Throughout the World” that is produced by the U.S. Social Security Administration. It provides thumbnail sketches of the history, funding and benefits of each
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country’s social insurance system. There are currently about 190 countries around the globe. And 177 of them, or 93 percent, have Social Security programs. I always point this out to young people who fret about the future of our Social Security system. I tell them that Social Security isn’t an American experiment in socialism that will someday run its course. Instead, Social Security is a worldwide phenomenon. It is a system of rules and laws in place everywhere from Albania to Zimbabwe. It is the method that civilized people across the globe use to provide some means of financial assistance to their elderly and disabled citizens, and to the widows, widowers and children of workers who die. It’s that last point that is very interesting. Most Social Security programs around the world offer benefits remarkably similar to our own — to retirees, to disabled people and to survivors. I’m going to use the rest of this column to highlight the similarities and differences among just a random selection of those 177 programs described in my book. The United States First Social Security laws: 1935 Funding: Workers pay 6.2 percent of wages matched by employers. Self-employed pay 12.4 percent. Benefits: Full retirement at 66 (going up to 67 by 2027); disability at any age if 100 percent disabled; survivors benefits to children under age 18 and to widow(er)s at 60 or at any age if caring for minor children. Germany First Social Security laws: 1889 Funding: Workers pay 9.8 percent of wages matched by employers. Self employed pay 19.6 percent
Benefits: Full retirement at 65 (going up to 67 by 2024); disability benefits at any age for full or partial disabilities; survivor benefits to children until age 18 and possibly up to age 27; widow(er)’s benefits for 2 years following death or for longer period of time if caring for minor children. Argentina First Social Security laws: 1904 Funding: Workers pay 11 percent of wages; employers pay up to 17 percent; self employed pay set monthly fees based on the kind of business. Benefits: Retirement benefits for men at 65 and for women at 60; or as early as 50 if doing “hazardous work;” disability at any age with a loss of 66 percent of working capacity; survivor benefits to a spouse at any age and to children under age 18. Australia First Social Security laws: 1908. Funding: Paid for with general tax revenues (no payroll or self employment taxes). Benefits: Means-tested retirement at age 65, going to 67 by 2033; means tested disability and survivor benefits. A variety of other benefits that are not means-tested are available to Australian citizens. Niger First Social Security laws: 1967 Funding: Worker pays 5.25 percent of wages matched by employer Benefits: Retirement at 60 or age 58 for government employees or age 55 if “prematurely aged;” disability benefits with a loss of 66 percent of work capacity; survivor benefits to children under 14 and to widow(er)s if caring for a dependent child. If you have a Social Security question, Tom Margenau has the answer. Contact him at thomas.margenau@ comcast.net.
nemovitz continued from page 6A ready used these companies so that you get the best information possible. Trying to navigate this move on your own is not recommended. By seeking out the right advice and direction from those who offer the advice and services you need, you will get through this challenge in the best way possible. If a moving change is at your doorstep, remember these words as you enter: you are not alone! Bruce Nemovitz is a Senior Real Estate Specialist, as well as Certified Senior Advisor. Bruce has sold residential homes in the four county Milwaukee-Metro areas for 35 years. Please feel free to call Bruce or Jeanne with any real estate questions you may have at 262-242-6177, or email at Bruce@ BrucesTeam.com.
October 2013 • 50plus
Jay Mays top golfer It is not uncommon for Jay Mays, Hartland, to shoot his age or close to it. He’s done so time and time again in various golf league play. His latest accomplishment is a return of the title he’s won several times, “Top Golfer of the Year” in the Senior Par Plus Golf League played weekly over four months at NagaWaukee Park, Delafield. Mays was announced at the September season ending .luncheon at the Delafield Brewhouse as number pone. Mays finished the 18-hole season with a 6.8 handicap and an index score of 6.5. Second place honors went to L. Anderson with a handicap of 8.5. Ron Falter was honored as the most improved golfer in the senior league with a 9.5 handicap. George Carian, carding a 75, was the top golfer in the year ending tournament. He was followed by Ron Falter and Chuck Monfree at scores of 78 while Howard Hoerl and Erick Johnson had 79’s.
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10A • 50plus • October 2013
Forgiveness, relaxation provide health benefits By Dr. David Lipschitz Who has not been through periods when nothing goes right? Con-
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by vulnerability and loss of innocence, led to a commitment to bring the guilty to justice and to seek revenge for those so brutally injured by evil terrorists. Now 12 years later, we have made great strides in bringing those criminals to justice, and terrorist groups are on the defensive, but the cost has been high with much collateral damage as innocent bystanders at home and abroad have been injured and killed. And the war is far from over. We are threatened by the almost certainty of further attacks and must remain vigilant against any potential threat. Whether the wound or insult is individual or national, the accompanying seething anger, the continual grudge and the desire for revenge are harmful, destructive and a major cause of ill health. If allowed to fester, anger and stress can lead to chronic diseases, such as high blood pressure, heart disease and stroke, a greater risk of turning to unhealthy habits, such as cigarette smoking or alcohol abuse or being prone to fits of anger and, sadly, even violence. Consider that the diagnosis and treatment of depression have soared in recent years. Approximately 10 percent of Americans and 25 percent of women between 40 and 60 are being treated with an antidepressant. The solution is clear to many experts: We must truly forgive if we are ever to move forward. Learn to let go, do not bear a grudge, do not promise to get even, do not let anger consume you, and work toward genuine forgiveness of those who have harmed you. And if you have done something to hurt or harm another, consider honestly and selflessly asking for forgiveness and then let go and attempt closure. Forgiveness is not simple and takes continuous effort; emotional injuries take years to heal, and even if a relationship seems on the right track, the harm is always there, festering just beneath the surface. Forgiveness takes time and requires hard work. True forgiveness does not mean that you have forgotten, but it rather provides a path to freedom and peace that
gradually heals and evolves, leading to greater trust, an acceptance that redemption is indeed possible and that life can move forward. A critical tool in dealing with anger and stress is learning to seek peace. Relaxation exercises can help reduce stress levels and assist in dealing with resentment, anger and emotional suffering. Relaxation is not as simple as saying “I have to relax” or “I need a cigarette or a glass of wine to help me.” It requires technique and there’s a learning curve. Relaxation can either be taught by an expert or developed by listening to a relaxation tape or, these days, to a meditation app on a smartphone. Most of these apps are free and provide stress-reduction exercises varying from five to 20 minutes. Most relaxation techniques involve meditation, breathing exercises and imagery that creates calmness and peacefulness. A typical app will guide you to “breathe in” relaxation and “breathe out” tension, to concentrate on measured breathing and to visualize objects and places that make you feel happier and calmer. Whether one is truly committing to forgiveness or actively participating in stress-reduction techniques, the health benefits of relaxation exercises rapidly become obvious. Heart rate decreases, blood pressure improves and beneficial hormonal changes occur that indicate improved well-being. The message is clear. Forgiveness and seeking peace are essential for better, longer and more productive lives. Dr. David Lipschitz is the author of the book “Breaking the Rules of Aging.” To find out more about Dr. David Lipschitz and read features by other Creators Syndicate writers and cartoonists, visit the Creators Syndicate Web page at www.creators.com.
50 Plus News Magazine
Narcotics on rise
By: Dr. David Lipschitz The Centers for Disease Control and Prevention reports that between 1999 and 2010 there was a dramatic increase in the number of women who died from overdoses of prescription painkillers. Here are some of the alarming statistics. The CDC notes that drug overdoses accounted for 34 percent of all suicide deaths among women, compared with 8 percent among men. Most of the increase comes from the use of hydrocodone and Oxycontin (a long-acting morphine). According to the International Narcotics Control Board, 99 percent of all the prescriptions written for hydrocodone in the world were written in the United States. The board, a watchdog agency that monitors compliance with United Nations’ international drug control conventions, also notes that American physicians prescribe far more narcotic drugs per million people than those in any other country. Opioids, including morphine in various forms and hydrocodone, prevent a great deal of suffering in patients with life-threatening illnesses such as some cancers. They are also a must for the short-term management of pain caused by a serious acute illness, accidents, broken bones or major surgery. The greatest dilemma occurs in patients with chronic pain. All too frequently, physicians readily turn to hydrocodone (for example, Vicodin or Lortab) for pain relief when patients do not respond to non-addicting pain medications. And once started, it is often impossible to wean the patient off the drug. When hydrocodone becomes ineffective, many physicians turn to morphine derivatives. The most commonly prescribed is long-acting Oxycontin (time-released oxycodone), which is effective for 12 hours. And if this is insufficient, the shorter-acting oxycodone, which lasts for six hours, is given for breakthrough pain; that is, the presence of pain despite treatment with Oxycontin. Another choice is a morphine patch (Fentanyl) that lasts for 72 hours and, on occasion, a morphine pump. The decision to start narcotic ther-
apy for chronic pain is serious, and neither patient nor physician should take this step lightly. It is important to make the patient aware of all the possible consequences. Many experts believe it prudent to consider an evaluation by a specialist pain team, to consider less dangerous alternatives, to provide needed psychological support and to assess the risk of addiction. Anyone starting a narcotic should sign a contract promising that all pain medication will be prescribed by only one physician. Addicted patients “doctor shop” to have narcotics prescribed by more than one provider. Fortunately, almost all states, including Arkansas, have developed a registry where any pharmacist or physician can readily determine whether narcotic drugs are being obtained from multiple sites. Arkansas’ new Prescription Monitoring Program is administered by the state Department of Health. Dosage of narcotics often increases gradually because the patient develops tolerance to the drug. There is always the risk of addiction, although this should never be a reason not to prescribe the drugs if warranted. If tolerance and addiction to prescription painkillers develop, pain perception alters in a negative way. Although the cause of pain is unchanged, the patient reports the pain as much more severe, begging for higher doses of narcotics to obtain needed relief. This creates a vicious cycle of ever escalating pain and the demand for larger or more frequent doses. In desperation, a patient might take too large a dose, leading to life-threatening accidental overdose. For most people with chronic pain, management with non-addicting medications combined with therapy (injections, heat, cooling or electrical stimulation), physical therapy, chiropractic care have great benefits. Education of the family and the patient about the appropriate use of these dangerous drugs is critical, and psychotherapy to assist with coping skills and relaxation techniques can help alleviate pain substantially.
October 2013 • 50plus
Why do so many women suffer from chronic pain?
• 11A
Chronic pain results when tissues in the body are under abnormal stress and the bodies natural healing mechanisms are overwhelmed. Additionally, the related nervous tissues in the area become hypersensitive and more easily irritated. As the body continues to wage a healing response the area becomes congested and circulation to the area stagnates. This lack of oxygen to the area together with the chemical changes related to the body’s continuous attempt at healing are responsible for the patient’s continued pain. Pain worsens as more and more tissues degenerate. The body attempts to heal chronically irritated joints eventually lead to arthritis or boney scar tissue. This is not something that occurs at random. The is a cause and effect relationship. If we as clinicians work toward understanding and treating the cause of the problem we have a chance to help the chronic pain patient. For example, all of the patients I have seen over the years with fibromyalgia have had underlying structural abnormalities that had not been diagnosed. Many many patients with chronic migraines also have had underlying structural abnormalities which had gone undiagnosed as well. Chronic low back pain, chronic knee pain, chronic shoulder pain and the list goes on. If you suffer from chronic pain or your pain is always in the same place you owe it to yourself to get a thorough examination to rule out an underlying structural abnormality, as well as any compensatory dysfunctional movement patterns. If these issues are corrected, and symmetry is restored to the body, the chronic pain pattern will resolve. Don’t suffer another day! Answer supplied by Eliesha Evans of Evans Chiropractic.
12A • 50plus • October 2013 robin adkins continued from page 1A
laborers, probably started singing for his mother’s milk, and by age six was quite a singer and composing his first musical scores. But it was while a student at North Division High School that the then music teacher, Arlene Syszmanki, got Robin really interested in music via musicals, plays and lessons. He, early-on, learned and still does play the guitar and piano. By
age 14, Robin was singing with adult bands, writing music and happily performing whenever and wherever. He later honed his musical skills at UWM and beyond graduation at Wisconsin Conservatory of Music, where he was a student for one and one-half years. Not one of three sisters and two brothers was endowed with Robin’s musical skills. Neither is wife, Ivory, who is a beautician. Only one of his
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four children, Darius, 14, has inclinations to follow in his dad’s path in life. At this same age as Darius, Robin was a paid vocal teacher, continuing as such through high school and beyond. Over the years, Robin sang professionally here and there and entertained numerous times without charge at senior and nursing homes as well as for veterans. As a former Marine, who served in both Okinawa and Japan, Robin has an especially tender spot in his heart and musical repertoire for needy veterans. While performing for the Veterans Administration, Adkins has won top awards in competition and has been transported to several national event performances by the military in Boston and Reno, where he was judged as top jazz vocalist. One of Adkins’ favorite songs is “For All We Know,” as he believes in living life now to its fullest as we don’t know about tomorrow. Adkins doesn’t always sing solo. He has been a member of the five-person “Milwaukee’s Own Tempters!” for 15 years. They have sung at many area venues. Chances are you have seen and heard them recently on various Summerfest stages. Over the years, since his first professional performance in Sheboygan that then surprisingly drew a crowd of 2,100 (when Robin would have been happy for an attendance of 100), he has matured and sort of stretched his wings. Robin has been a featured performer at casinos in Nevada, Michigan, Iowa, Minnesota and, of course, in Wisconsin.
Robin Adkins, a Nat King Cole style singer, and Ed Franks, whose songs are a tribute to Frank Sinatra, have found themselves on various stages following one or the other. Since, they had joined voices in a two person “Our Way,” Robin and Ed are booked to perform over the coming winter season at Laughlin, Reno and Las Vegas, Nevada and also in Palm Spring, CA. In addition to that soft spot in his heart for the Veterans Administration, Robin also has much admiration for the American Heart Association. He knows what they accomplish for humanity. You see, Robin had a heart attack two years ago and has an implanted stent to prove it. He will perform Valentine’s Night, Feb. 14, in an American Heart Association fund raiser at the Humphrey Scottish Rite Masonic Center in downtown Milwaukee. You’ll have to get tickets early as the event in a hall of 400 to 500 is expected to sell-out. As Robin Adkins vocalizes, “I have learned that all you give is all you get so always give all you got.” You may like to listen to his vocalizing at Robin Adkins Sings Nat King Cole for about a half hour on YouTube. “The High Rollers,” a four piece band, often appear with Adkins when he’s solo. Adkins singing is like painting rainbows. He knows the art of musical persuasion. We believe him to be a leading vocal revolutionary in the modern age of song. Nat King Cole would be proud of him.
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MILWAUKEE’S OWN TEMPTERS: This group has sung together at many venues over the last 15 years. They are, left to right, Bruce Words, Brian Beasley, Robin Adkins, Rodney Davis and Vincent Morrow.
October 2013 • 50plus
by: Dr. David Lipschitz Osteoporosis is as common as cancer and heart disease, and it’s a leading cause of fractures, chronic disability, difficulty with walking, severe pain and a poor quality of life. The World Health Organization reports that osteoporosis ranks second to cardiovascular disease as a global health care problem. And research shows that a 50-year-old woman has the same risk of dying from complications of a hip fracture as from breast cancer. In 2010, 30 million women and 14 million men will either suffer from osteoporosis or have osteopenia, a significant thinning of bone that hasn’t reached the severity of osteoporosis. The most important complication of osteoporosis is a fracture. The disease is more common in women — 1 in 3 will suffer a fracture during their lifetime. After age 50, the fracture risk increases to 50 percent. And men are not immune. Their risk of fracture is 20 percent under the age of 50 and 30 percent over the age of 60. Fractures of the hip, wrist or back usually follow a fall. Occasionally, an osteoporotic bone may be so thin that a spontaneous fracture can occur without injury. Following a hip fracture, the risk of death within the next year is 20 percent, and another 20 percent require admission to a nursing home because of an inability to walk. Only a third of those who have a hip fracture return to their normal level of function. Vertebral fractures can occur spontaneously or following a fall. An acute vertebral fracture causes severe pain. If vertebral collapse is noted, a vertebroplasty should be considered. During a vertebroplasty, a needle is inserted into the vertebra. A balloon is used to expand the vertebra into its normal shape and cement is injected to prevent the collapse from reoccurring. Vertebral fractures can occur gradually and at multiple sites, leading to loss of height and curvature of the upper spine referred to as a dowager’s hump. These fractures, as well as microscopic fractures of very thin
bone, lead to chronic pain that can be debilitating, affect gait and balance. It can also cause an increased risk of becoming physically dependent on others and a poor quality of life. We must do everything we can to prevent osteoporosis, detect it early and provide treatment to reverse the problem and avoid complications. Osteoporosis can be prevented by assuring adequate intake of calcium during the growing teenage years and thereafter. The average daily diet should contain about 500 milligrams of calcium from nondairy sources and 1 ounce of cheese or a glass of milk. If no dairy products are consumed, 500 milligrams of calcium plus 200 units of vitamin D should be taken with meals twice daily, beginning with the teenage years. Exercise that builds muscle and bone is just as important. Every woman should be screened for osteoporosis at menopause. This involves a noninvasive test called a DEXA scan. Follow-up screenings usually are recommended every three years. However, a recent study in the New England Journal of Medicine indicated that if the DEXA scan was normal, a repeat scan was not needed for 10 years. If bone thinning or osteopenia is identified, a scan should be repeated in five years. Only those at very high risk should be scanned every three years or sooner. If osteoporosis is diagnosed, therapy with medications can build bone and reduce the risk of fracture by 50 percent or more. Bisphosphonates such as Fosamax and Boniva are commonly prescribed. They can be given orally or intravenously every three months, or annually. In most circumstances, the generic alendronate should be prescribed first. Although rare, side effects include gastrointestinal distress, jawbone problems and an unusual fracture of the thighbone. Because of these risks, a complete dental checkup should be conducted before starting a bisphosphonate. In addition, complications can be reduced if the medication is stopped after seven years. This is called a drug holiday and should last anywhere from one to three years.
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14A • 50plus • October 2013
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By: Dr. David Lipschitz When it comes to health, as a general rule, women are far better off than men. Before reaching menopause, their risk of heart disease and stroke is substantially lower than in men, and the numbers of cancers occurring in both sexes is significantly lower in women. But when it comes to compulsive behaviors, women do not do as well. Overcoming drug addiction, alcohol abuse and cigarette smoking is much more difficult. Until recently, the negative effects of smoking had been studied in detail only in men. For the first time, a study in the journal the Lancet has shown that smoking reduces the life expectancy of women by an average of 10 years. The findings were obtained from the Million Women Study conducted in Britain. The study includes 1.2 million women between the ages of 50 and 69 who, at the time
of this report, have been followed for 12 years. At the onset of the study and three years later, they were asked questions about lifestyle and habits. During the 12-year period, a total of 60,000 women had died. At the start of the study, 20 percent of the women were smokers, 28 percent were previous smokers and 52 percent had never smoked. The risk of death in those continuing to smoke at the three-year mark was three times higher than in those who had never smoked. And the more cigarettes smoked, the greater the risk. In those who smoked one to nine cigarettes daily, the risk of death was twice as high as in nonsmokers. The authors of this paper conclude that smoking-related illnesses, including lung disease, lung cancer, heart disease and stroke accounted for 66 percent of all deaths among women between the ages of 60 and 80.
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October 2013 • 50plus
Because women didn’t start smoking in earnest until after 1940, this is the first study that clearly demonstrates that the long-term negative effects of smoking in women are no different than in men. The study clearly showed the great benefits of quitting smoking. In an accompanying editorial, Dr. Rachel Huxley of the University of Minnesota notes that women who stop smoking in their 40s reduced the negative effects of smoking by 90 percent, and discontinuing in their 30s essentially eradicated the risk completely. Most importantly, the effects of nicotine on the heart quickly disappear after quitting smoking. Not only are the number of heart attacks and strokes reduced, but fatalities decrease as well. It is never too late to stop. Sadly, most women who smoke start in their teens and are less likely to stop than young men. Some believe that many women are reluctant to quit because of weight gain concerns. However, being overweight is far less risky than smoking, and strategies are
readily available to help anyone stop smoking while providing useful tools at improving lifestyle through better nutrition and exercise that will minimize the chances of gaining weight. There is not a single smoker who does not want to quit. Unfortunately, nicotine is truly addictive. There are many smoking cessation programs that are now covered by most insurance policies. Nicotine replacement therapies, including patches and pills, are effective. In addition, a prescription medication, Chantix, can reduce the need to smoke, as can the antidepressant Bupropion. Many hospitals offer highly effective smoking-cessation programs that include counseling and support groups. Most research indicates that the best way to quit is to set a date and stop “cold turkey.” And here, nicotine patches or a support group may prove very helpful. The best approach by far is never to start in the first place. Thank goodness the macho and sophisticated images of smoking that appealed so much to teenagers have largely
Don’t Miss Our Annual 50 plus or Better Expo
Southridge Mall • October 24th • 9-2
• 15A
that smoking is an addiction and bad for our health. We must stay committed to a public health campaign that continually encourages our children and grandchildren never to smoke. Dr. David Lipschitz is the author of the book “Breaking The Rules Of Aging.”
been dispelled. And the marketing of cigarettes to young people no longer occurs. But despite nationwide antismoking campaigns and the reduction in advertising, too many young people continue to smoke. Whether a smoker or not, we all have a responsibility to maintain a smoke-free environment for our children and ourselves and to understand
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16A • 50plus • October 2013
PLANTING TOMORROW’S DREAMS TODAY By Brad Olson
HERMAN WHITE WRITES
He’s owned the same car for more than 83 years
A lot of people keep their cars for five, ten years and more. But have you ever heard of someone who has owned the same car for more than eighty years? And it’s as beautiful and runs as well as the day it was built. Its proud owner is a Brookfield man, Dan Mathson, 87, and he has had it since 1930, all of 83 years ago. “The first thing anyone reading your story is going to ask is how can anyone have a car when he’s only five years old,” Dan said. “Well, I did. My grandfather, Otto Mathson, who was a farmer, was the original owner of the car. I loved that car. No one else had one. When he died, my grandmother, Mina Mathson, gave it to me, even though I was only five years old. She said she knew how much it meant to me, and that it was mine. So for the next 12 years or so, it sat in storage at the farm. I’d go look at it periodically and sit behind the steering wheel and pretend I was motoring down the road. I couldn’t wait until I was old enough to do so. It was after I’d joined the Air Force and then was discharged that I did.” There are other people in Wisconsin who own cars that are older than Dan’s 1917 model, but how many have owned them, continuously, for so long? “Henry Ford’s Model T was the most famous car in the world for many decades,” Dan said. “There are national and local clubs that held their own
ARTS
SPORTS By Jack Pearson
events and put out their own magazines. We belong to the National and the Wisconsin clubs. Ford made his first Model T in 1908, making a total of about 300 that year. By 1928 they had produced more than 15 million, more than any other car model in the world. But by ’28 Chevrolet was starting to give them competition, so Ford had to come up with a new model to keep pace. That’s when he introduced the Model A.” Dan still has the sales slip for the 1917 Model T that his grandfather bought. It was for all of $364. “Ford was proud of the fact that his models came with a low price tag,” Dan said. “He did everything to keep that low cost. Cars then had smooth tires, no tread at all. When the tire manufacturers came up with tires that did have tread, all the car makers began putting them on their models. All except Ford. He put the tread tires only on the back wheels of his cars. Reason was, the tread tires cost quite a bit more than the smooth ones, and he didn’t want to hike up his overall costs.”
Dan and Jean Mathson, all decked out in the attire of a bygone age, getting set to ride in the car in a parade.
the WRIGHT SIDE of By Enis Wright
ENTERTAINMEN
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KILLING TIME with Jim McLoone Dan Mathson of Brookfield and his pride and joy, the Ford Model T that his grandfather gave to him 83 years ago. Dan has completely restored his 1917 model, and it looks as good as it did when new. “New paint, new upholstery and new tires,” he said. “But everything else is original. Even the original muffler.” He gave me a demonstration of how the car starts, with a crank out in front that you turn by hand. When he did, the car started immediately, quicker than modern day models with the ignition key starter. He also showed me where the gas tank was; under the front seat. In order to put gas into the tank, you had to raise the cushion and the panel under the driver’s seat. And the tank was circular in shape, like a bottle. To determine how much gas there was left in the tank, the car owner had to use a measuring stick that he or she stuck down into the tank. Dan and wife Jean often ride the car in parades, such as the old Circus
Parade, and local events. They never take it out in bad weather or in the winter, when there is salt on the roads. In addition to their Ford Model T, they also own a 1925 Model T Roadster, and a replica of a 1903 Oldsmobile, as well as an extensive collection of automobile license plates, dating all the way back to the early 1900s. Now in their 66th year of marriage, Dan and Jean have three children (a fourth died) and four grandchildren. It seems a little odd using the term “children” here; their oldest grandchild is 30. Prior to his retirement, Dan owned and operated his own company, the Mathson Tool & Die Corp., of Milwaukee. A few years after that, Dan, who played trumpet in high school, started his own 14 piece orchestra called The Airmen of Swing, which he ran for 14 years.
Another vintage auto owned by the Mathsons, a replica of a 1903 Oldsmobile.
October 2013 • 50plus
Realities of delayed retirement are changing the national employment picture By Chelle Cordero More people are working later in their lives than ever before. Once, it may have been a common dream to reach retirement age and enjoy the freedom of an unfettered life. Now, however, plans to travel, visit the grandchildren, play golf and live stress-free have been replaced by the need to pay everyday bills, afford medical care, and generally keep a roof overhead and food on the table. Delayed retirement and more financial security have become the new plan. For retirement planners who put investments into 401(k) accounts or other defined contribution plans, the economy has been unkind. Mutual funds and stocks shrank for too many years, and the cost of living has continued to rise to the point where even guaranteed monthly pension plans just won’t cover expenses. In the past decade, older workers who sought to supplement their meager pensions with part-time work have declined, and more older workers have looked for full-time employment. According to the U.S. Department of Labor Bureau of Statistics, “by 2016, workers age 65 and over are expected to account for 6.1 percent of the total labor force, up sharply from their 2006 share of 3.6 percent.” The upside to the advanced age of workers is continued payment into Social Security and less withdrawals. One of the downsides is less jobs are open to the younger and less experienced worker. Typically, employers are able to pay older workers less than the average salary for younger workers and save funds on benefits thanks to Medicare, although in recent years salaries have been coming up. The older work ethic is also attractive to employers. According to a 2012 survey of hiring managers at more than 500 U.S. companies conducted by Adecco, a recruitment and workforce management company, “When it comes to skills that need strengthening, hiring managers feel mature workers need more technological know-how (72 percent), while that is the skill that
millennials need to develop least (5 percent). Millennials, on the other hand, need to improve their writing skills (46 percent), while far fewer mature workers need to do so (9 percent).” If older workers can maintain their employment past retirement age, they can accumulate more in their Social Security fund and shorten the amount of time their Social Security and other savings will have to support them. The unemployed worker of 50 or older does take considerably longer to find new employment than his or her younger counterparts, however, and it often comes with a substantial pay cut. The older unemployed worker may find it easier to gain new employment after brushing up on skills and learning more about new technology. AARP publishes a biennial list of the best employers for workers over 50, citing companies with commendable business practices for recruiting and retaining mature workers. In 2011, this list contained a large number of universities and health-related industries. The next list will come out later in 2013. Human resource professionals often advise unemployed older workers to reinvent themselves and seek training with the tools needed in today’s marketplace. Workers who have been unemployed for a while will frequently be surprised to find typewriters and adding machines replaced with computers, weekly meetings in the board room replaced with conference calls and Skype, business trips reduced to telecommuting sessions, and marketing to social media. There are several companies that do recognize and seek the experience of older workers and their mindset, but many job seekers older than 50 have found both age discrimination and negativity toward lengthy unemployment. The Bureau of Labor Statistics indicates that the total labor force will increase by 6.8 percent from 2010 to 2020, but the most dramatic increases are expected to be with the over-65 group, at 83.4 percent, despite the adverse attitudes.
Reaching the expected age of retirement can be an opportunity to switch careers and work in a field that seemed previously out of reach. Older workers may be more willing to experiment with self-employment and consulting jobs without the respon-
• 17A
sibilities of raising a young family. After unemployment, temping or seasonal work is sometimes a great way to get back into the workforce.
18A • 50plus • October 2013
Travel to London for an exciting Christmas If you don’t have plans yet for the Christmas season maybe a visit to historic London, England is in order. London acquires a special sparkle around Christmas time. The weather is frosty, the Christmas lights are twinkling, and shoppers line the streets. The centerpiece of London’s Christmas spectacle is the giant pine tree – a gift to London from the people of Norway – which is beautifully adorned and set up in Trafalgar Square each year. There’s a wealth of family enter-
tainment on offer over the festive season, from temporary ice skating rinks to Santa’s grottos and pantomimes. The cold December weather doesn’t stop Londoners from having fun. This is one of the most exciting times of year to visit the capital. London’s shopping streets are decorated with sparkling Christmas lights, and the stores are full of gift hunters finishing off their Christmas shopping. Christmas markets also make a welcome appearance this month, offering charming crafts and excellent food, not to mention a festive atmosphere and plenty of warming mulled wine. The seasonal nostalgia continues in Trafalgar Square, where the capital’s biggest Christmas tree glistens, donated each year as a gift from the city of Oslo. Caroling services are held around the tree throughout the month. Christmas and New Year are the perfect excuse for a party and London is certainly not lacking in places to let your hair down. From vast nightclubs with the hottest DJs to sophisticated
Yuletide excitement abounds in London.
Hyde Park is a veritable wonderland.
cocktail bars, the city’s party venues are many and varied. You’ll find delicious celebratory menus in most London restaurants, too. Another winter highlight are the many temporary, outdoor ice-skating rinks that pop up across the capital; many situated in striking locations such as the Tower of London, Somerset House and the Natural History Museum.
December Events Big and little ones will be in awe of Hyde Park Winter Wonderland, a feast of festive fun with ice-skating, a Ferris wheel, stalls brimming with toys and sweets and, of course, Santa’s grotto. For a bit more festive fun, check out the annual Great Christmas Pudding Race in Convent Garden where
you can cheer appropriately dressed teams attempting to make it round an obstacle course without dropping their puddings. Even on Christmas Day, London offers a must-see event: the Peter Pan Cup. Not just any normal swimming race, it sees hardy members of the Serpentine Swimming Club compete in the icy waters of the Serpentine lake in Hyde Park. If you’re lucky enough to visit our neighbor in London over New Year’s Eve, don’t miss the incredible fireworks display from the river Thames and ”London Eye. There really is no better way to see in the New Year. So if your holiday plans are still not finalized, why not make a trip over the big pond to London.
October 2013 • 50plus
Animal-senior citizen companionship leads to improved overall health The mental and physical benefits of animal companionship have been praised across the world, from seeing-eye dogs to therapy dogs to household pets. According to the US Pet Ownership and Demographics Sourcebook, there are approximately 70 million pet dogs and 74 million pet cats in the United States. Of this number, about 63 percent of pets are considered to be members of the family. Now, pet adoption companies are utilizing the health improvements to better the quality of life for senior citizens. “The pairing of seniors with calm, manageable adult dogs and cats has yielded amazing vitality and unparalleled effects, the feeling of loneliness dissolves and a reason to be active arises,” affirms Will Post, CEO of Hound & Gatos Pet Food. “The simple presence of animal companionship can provide amazing health benefits that truly lift a senior’s mental and physical state because they have someone to depend on and someone who depends on them.” The Center for Disease Control and Prevention reports that pets can reduce stress, lower blood pressure and cholesterol levels, in addition to increasing social interaction and physical activity. Add unconditional love, purpose, and that special something to care for and nurture, and you have an elixir for senior citizens.
According to Pet Partners, seniors with pets experience fewer minor health issues when visiting their doctor, and overall better health and mental well-being. Pets are also praised for reducing loneliness and depression, two major factors that can lead to an unhealthy body and mind. Since dogs live in the present, their focus on ‘today’ tends to rub off on their owners, resulting in managing anxiety levels. “These positive results of animal companionship for seniors is one more reason to encourage the ownership and nurturing of pets for the seniors of today. We are only beginning to document these facts determining the health benefits of pet ownership for the elderly, though animal lovers have always suspected it. Their contribution to a better quality of life being recognized can only lead to happier and healthier seniors, something we can all be excited about,” says Post. “The importance of love proves to be a major force in life no matter what age one might be.” Research continues to show that pets help people of all ages enjoy a much fuller and rewarding life.
50 Plus News Magazine
• 19A
Don’t Miss Our Annual 50 plus or Better Expo
Southridge Mall • October 24th • 9-2
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Attend a First Impressions information session in Milwaukee or Waukesha. To register, go to www.reserveinc.org and click on “Register” in the upperright corner.
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20A • 50plus • October 2013
By Karen Ellenbecker & Julie Ellenbecker -Lipsky
Does Wisconsin football really need tail-gating? Golly, sakes alive! What have we done? I am referring to the U.S. government. I am upset with the way things
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problems, or as I would add, at the very least try to. It does seem to me that this entire bit should go way back to the premise that you must only do onto others what you might wish them to do onto you. I do not believe that we have to be Christians to believe this. As Henry says, and he sees this at the factory, that if someone gets what he believes is dirt in his face, he’ll be right there to toss mud back. As my good Lutheran lady friend exhorts when we get together and it is her time to lead the prayer, she asks, “Lord, what have we done. Lead us away from our jealousies and hatreds.” She ends this with “Amen,” but I really don’t believe it can end there. Is God fearing and fearing of God the same? Those who believe in Mohammed are as right in their beliefs as we are. Once in a while, after a few uneasy discussions among women friends from both political parties, I suspect that the only really basic foundations we have are our corsets. By Enis Wright Would you believe it, I just accepted an invitation to a pre-game Packer tailgate party in Green Bay. This will be a real tailgater, too, as Ambrose and Nancy have one of those monstrous looking four-door pickups. Henry was not sure about my accepting the invite, as we don’t have Packer game tickets that Sunday. He did say, however, that it might be
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fun to watch it with others on the TV sets that are set up around the parking lot. We’ll cheer, hurrah and wave our pompons as the game progresses. Ambrose, whose mother was Italian, says this will be a special celebration of Columbus Day. Henry never has been crazy about tailgating. He calls it man-made madness. He says the spirits that are consumed at such parties have to be an embarrassment to the spirits who preceded us in life. I wonder, was mankind happier in life before football? Who really cares which quarterback is sparkling in play when they’re playing that Fantasy Football in various clubs? Henry claims that we girls aren’t invited into the Fantasy Football leagues as most of us don’t know the left flank from the right end. I wonder, is it a requirement that the fullback have a big dinner before each game and that the halfbacks just eat half a meal? Back in my early days of watching football, I recall there was a “Golden Boy” who played for the Packers. Today, with the salaries these guys get, they’re all golden, although the way a few of them play, they’re also slightly tarnished. Too many of them really don’t earn a dollar. I guess that means they aren’t in for four quarters. I do hope the odors that day will be of grilling foods and not of smelly play on the field. As for drinks, we’re not uppity cocktail imbibers. Henry sticks with strong beer even though it grows inside him around the waistline and not into muscles. As for me, Mike’s Hard Lemonade might not be soft enough. If any of those TV camera people are taking tailgating pictures, I’ll wave. Goodbye for now. Go Packers, go for many touchdowns. Most of those now are kind of throw downs in the end zone. They aren’t dainty enough to touch the ball down to the ground. Such is life!
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October 2013 • 50plus
killing time continued from page 4A
New Berlin. Ed does have some great volunteering helpers, but he masterminds the approximately 180-member senior golf league at Naga-Waukee in Delafield, and does so without any monetary compensation; although, the hat is passed for his benefit at the annual league luncheon. Over the course of each season, Ed probably puts in 200 hours. He’s always there to compliment a colleague, friend or even to welcome a first-timer to the golf course. RRRR Making lemonade out of lemons would tax many cooks today. Instead, they just reach for the powdered stuff in the cupboard. RRRR The 1990 Americans with Disabilities Act is meant to assist those people with everyday life. The next time you even grumble about that car with the special tag or placard parked right next to the doorway, put yourself in that driver’s place. What do they say about never judging a person until you’ve walked in his shoes? Try to imagine yourself with the inconvenience of his or her cane or crutches. RRRR When I bought those church raffle tickets for $50 each from Dick Bertrand, I am certainly glad that I didn’t promise to split the prize with him. If so, he’d be as disappointed as I am. RRRR Three cheers for Margrit Meier, owner of The Hartland Inn. Margrit was seen recently buying a $35 ticket at a competitor’s sponsored benefit dinner. The dinner, by the way, was at Palmer’s in Hartland and raised, overall, $150,000 to help the Cystic Fibrosis Association. The sponsoring Arenas families are just as nice and kind as Margrit. What assets they both are to the Hartland dining scene. RRRR I’d be a lot more excited about the casino planned for Kenosha if it was to pay real estate taxes at least on the land. We’re for having the casinos on Native American lands, but not on that they’ll be turning into tax-free status. RRRR Sometimes friends come in all sort of clothing. The three men I was placed with in the annual season ending senior golf tournament were
strangers to me, but they did their best to lighten my day as I was carding 104 for 18 holes while they were in the 80’s. I guess it’s true that friends bring sunlight into the lives of others. RRRR Why do people always refer to a confusing piece as “Upside down”? Why not “Downside up”? These two different phrases have identical meaning. RRRR Why are there so many idiots and maniacs on our roadways? The maniacs are passing by50 Plus our car too swiftly October 2013 while the idiot is the guy ahead of you holding traffic to 4.75 x 7.3 the regulated speed. RRRR Run Date: October 2013 Do you recall the Japanese KamiDeadline: 9-13-13 kaze pilots of World War II who wore helmets even though they were destined to die? I sometimes think of their purpose in life when I see non-helmet wearing motorcyclists whizzing down the highways RRRR A Korean War memorial event was held at the War Memorial Center in Milwaukee on Sept. 24. We vets of that conflict found it tough. But toughing it out proved us to be tougher. RRRR There was a huge hole in the ground on the western edge of downtown Oconomowoc; the location of a bigger First Bank Financial Center. Who says they don’t throw money into big holes? RRRR Are the schools graduating too many dentists these days? Or are we, as a general public, taking better care of our teeth and visiting dentists less? We ask this as hardly a week goes by that we don’t receive two or three or more special offers from dentists. RRRR Many chefs of supposed distinction are so thin we must wonder if their preparations are really that good. A top chef, John Bierman at Hartford Golf Club, shows anyone who sees him that the “husky fellow” knows how to make a good meal. He makes great relish and relishes for a dining room full of hearty eaters. RRRR The Village at Manor Park’s annually sponsored day at Miller Park was fantastic. The Brewers even won their game.
• 21A
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22A • 50plus • October 2013
Mequon’s Jack and Jackie Harbaugh, 1st. class parents with 1st. class kids By Jack Pearson All parents take pride in their children’s accomplishments, of course, academic, athletic or whatever. But for a local couple, their pride in their youngsters involves a scenario that no Hollywood script writer could ever imagine. The two are Jack and Jackie Harbaugh, both now 74, and their offspring are John, Jim and Joani. All those given names seem to indicate that the “J” names have it, and in this case, they certainly do. John, 50, and Jim, 49, need no intro; the whole country knows who they are. They were the opposing coaches in last year’s Super Bowl, John for the Baltimore Ravens, Jim for the San Francisco 49ers. It was a thriller of a game, won by the Ravens, 34-31. It was the first time in the almost century-long history of the National Football League that brothers were the opposing head coaches in the league’s championship game; actually the only time brothers had ever served as head coaches in the NFL. That’s only part of the tale. Daughter Joani is married to Tom Crean, the former Marquette University head basketball coach and now the head basketball coach at Indiana University. After many years of decline and embarrassment, the Hoosiers, under Crean’s guidance, have again risen to power and for a good portion of last season were ranked number one in the polls. But that was son-in-law Tom’s doing, wasn’t it? What has Joani done to earn her share of the accolades? It was her father, Jack Harbaugh, who put it into perspective. Jack was a very successful football coach himself, five years at Western Michigan, 14 at Western Kentucky, 41 years in total football coaching in some capacity. In 2002, he was honored by being selected as the American Football Coaches Association’s Coach of the Year. Recently, when he and I were talking, he told me what he felt were the three most important things in being an outstanding football coach. One: to have a love and passion for the
game. Two: to work hard and diligently. And three: to have a good wife; understanding, helpful and loving. Except when Jack told me of those three items, he listed having a good wife as number one. Jack has always credited all the success and good fortune in his life to Jackie. “And if you ask Tom,” he said, “he would tell you the same about Joani. That is how she and the wives of any successful coach in any sport fit into the picture.” I first met Jack during the years that Tom was still at Marquette, and Jack was an Associate Athletic Director at the school. When Tom left MU for the Indiana job five years ago, Jack decided it was time for him to retire. He was almost 70 then. Two of the first questions I asked him about had to do with why he and Jackie continued to live here in Wisconsin, and what does he do in his retirement years. (Both were born and raised in Ohio.) I also questioned him about a few other items; Did he golf? Do he and Jackie belong to a country club? Does he hunt and fish? Belong to any local organizations? Is he asked to be a speaker at local sports functions? He looked at me and laughed. “None of the above,” he said. “Our time, our interests, all revolve around our family; John and Ingrid, Jim and Sarah, Tom and Joani, and the grandkids. Especially the grandkids, all ten of them.” I thought I’d stump him by quickly asking their names, but he fooled me. He put both hands in front of him and extended the fingers, and in rapid fashion rattled off the names, without a moment’s pause to refresh his memory. “With John and Ingrid, there’s’ Allison, who is 11. With Jim and Sarah, there’s Jay, 23 and now an assistant coach with the Ravens, Jimmie, 16, Gracie, 13, Addie, 4, Katie, 3 and Jack, 10 months (at the time of our talking). With Tom and Joani, there is Megan (now a freshman at Indiana) who is 17, Riley, 14 and Ainsley, 8. “You thought you’d get me, didn’t you,” he said, with a twinkle in his eye. Then he told me about the almost
John and Jackie Harbaugh today, in the back yard of their Mequon home. unbelievable travel schedule that he and Jackie have devised for themselves. They fly out to San Francisco about five times a year to visit their West Coast contingent; also about five times to visit the brood in Baltimore, and drive down to Indiana about six times to visit Tom and Joani and their kids. He said each visit was usually about two weeks in length. So I did some quick math in my head. Sixteen trips a year, of two weeks duration each, comes to a total of 32 weeks a year away from home in Mequon. Is there any wonder why Jack says he doesn’t have the time for golf or fishing or much else? “We try to schedule our visits to John and his family in Baltimore and to Jim and his family in San Francisco to weekends when the Ravens and the 49ers have home games,” Jack said, “preferably on those occasions when the teams have consecutive home games. That way we get to see two on a visit. It doesn’t always work out that way, but on the average we see four to six home games a season in both places.” During the winter, they try to work out the same sort of schedule visiting Tom and Joani in Indiana, for the Hoosiers home basketball games.
Jack wasn’t always a coach, and Jackie wasn’t always a coach’s wife, naturally. Back in the late ‘50s Jack was the star quarterback – and also played defensive back – for the Bowling Green Falcons. Jackie was (Jack says) the best looking cheerleader for the team. Why is it that in the flicks the good looking backfield star on the team always ends up with the gorgeous head cheerleader? Except in this case it happened in real life. In his junior year, Jack led the Falcons to a 9-0 record and the small college National Championship. He played pro ball for one year, in 1961, for the New York Titans of the old American Football League. Jackie’s full name was Jacqueline Cipiti. Jack’s parents were of German and Irish lineage; Jackie’s were Italian (Actually Sicilian. There’s a distinction. Sicilians are Italian, but prefer to be called Sicilian). Look at photos of her as a cheerleader back in those days, with her long blond hair flowing in the breeze, and you’d guess her to be Swedish or Norwegian in descent. After several years coaching at the high school level, Jack went into the college ranks, serving as an assistant at Michigan, Iowa, Stanford, Bowling Green and Morehead State.
October 2013 • 50plus
He took over as head coach at Western Michigan in 1982, posting a 7-2-2 record in his first year. In 1989 he became the head coach at Western Kentucky, where he served until 2002. His best seasons were in 1999, when the Hilltoppers were 10-2, in 2000, when they were 11-2, and in 2002, when at 12-3 they were the NCAA Division 1-AA Champions. He stepped down after that great season, only to be lured back to Marquette University’s Athletic department in 2003, when son-in-law Tom Crean was named as the Golden Eagles head basketball coach. Meanwhile, John, Jim and Joani were growing up. Like many children of young coaching fathers, they were never in one town for very long. Jack coached in ten different places, all over the country. “During all of those years,” Jackie recalled, “Jack was always a wonderful father, always spending as much time with the kids as he possibly could. He took them to the games, even to the practice sessions. They must have thought that coaching was a pretty good profession though. Both boys could have gone into any field, but both ended up as coaches; and Joani married a coach. John graduated from Pioneer High School in Ann Arbor, Michigan, during a time when his father, Jack, was an assistant coach under Bo Schembechler at the nearby University of Michigan. He played collegiately at Miami University as a defensive back. He didn’t attain All-American status as did his brother Jim, but he was a fine, no nonsense player. He started his coaching career as an assistant under Jack at Western Michigan (’84-’87), then at Pittsburgh, Morehead State, Cincinnati and Indiana. He was first hired in the NFL in 1998 by the Philadelphia Eagles by then head coach Ray Rhodes, and was retained a year later by new head coach Andy Reid. Both Rhodes and Reid, as you may recall, had been with the Packers. In 2007, after serving as the Eagles special teams coach for nine years, he became the team’s defensive backs coach. On January 19, 2008, he was named as the new head coach of the Baltimore Ravens. Jim Harbaugh was also born in Toledo and grew up there and in other towns in Ohio, Kentucky and Iowa.
• 23A
The two Super Bowl coaches, John and Jim Harbaugh, far left and far right, with their dad, Jack, and mom, Jackie, and grandfather Joe Cipiti, 97, seeing his first Super Bowl. Cipiti is Jackie’s father and has lived in Cleveland for most of his life. He went to high school in Ann Arbor, Michigan, and in Palo Alto, California, the first when Jack was an assistant at Michigan, the second when he was an assistant at Stanford. Then he enrolled at Michigan, playing there for four years from ’83 through ’86. As a senior, he led the Wolverines to a Big Ten crown, the Rose Bowl, and earned All-American honors and was third in the Heisman Trophy voting. He was drafted in the 1st round of the NFL selections by the Chicago Bears. He played for 14 years in the league. In 2011 he was named as the new head coach for the San Francisco 49ers. So here we are, it’s fall and football season is upon us once again. How will John and Jim and their teams fare this time? Especially against one another? Unless the Ravens and the 49ers win all through the season and the Playoffs and meet in the Super Bowl again, they are not scheduled to meet. Since this article is set to appear in the October issue of 50 Plus, you will already have seen the 49ers defeat the Green Bay Packers on Sept. 8. You can watch John’s Ravens against the Pack, however, on Sunday, Oct. 13 at noon.
From a seven year old Marquette basketball media guide, this family shot of Joani and Tom Crean with their three children. Megan, at right, was nine for the picture; she’s a freshman at Indiana University now; the other two, Riley and Ainsley, are 14 and 8 now.
24A • 50plus • October 2013
By Jack Pearson
October 2013 Section B
19thAnnual
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October 2 Lifetime Art Exhibit VMP Manor Park, 8536 W. Oklahoma Ave., West Allis By Enis Wright Interfaith brings us “The Lifetime Art Exhibit” featuring visual artwork by adults 50 and older living in SE WI. View this exhibit as you attend the opening reception at 2 p.m. No cost to attend. Open visitation from 9 a.m. – 4 p.m.
trolley. Visit waukeshaart.com for more details.
October 5 Fall Art Crawl Historic Downtown Waukesha Twenty-one galleries and showplaces feature 137 artisans at this season’s event, walk the downtown streets to discover your next artistic treasure, listen to live music, food and take a
October 11- November 17 Shrek the Musical Todd Wehr Theater, Marcus Center for the Performing Arts “Once upon a time, there was a little ogre named Shrek…” the fairy tale of an unlikely hero who finds himself on a life-changing journey. This
the WRIGHT SIDE of
60
October 6 Maxwell Street Days Firemen’s Park, Cedarburg Vendors offer antiques, collectibles, crafts, fine arts, pottery, fresh produce, seasonal items, sports memorabilia, architectural/industrial items, and more. Free, 6 a.m. – 2 p.m.
KILLING TIME with Jim McLoone
October 13 – Autumn Fire November 10 – Salute to Our Veterans
2013-2014 Season:
December 10 – An Old World Christmas February 23 – Viva Verdi, Viva Vivaldi April 27 – Lyric Masters
Tickets: $27-$37 Call: 262-547-1858 Visit: WisconsinPhilharmonic.org
musical brings a story of adventure, friendship and ogre love that’s bringing ugly back! For details and tickets, call 414-273-7206 or visit marcuscenter.org October 16 – 27 Jersey Boys Marcus Center for the Performing Arts This Tony®, Grammy® and Olivier Award-winning Best Musical is about Rock and Roll Hall of Famers The Four Seasons became one of the greatest successes in pop music history. Visit www.marcuscenter.org or call 414-273-7206. October 17 Lifetime Art Exhibit VMP Trinity, 7300 W. Dean Rd., Milwaukee Interfaith brings this exhibit from 9 – 4 p.m. with the opening reception at 2 p.m. with no cost to attend. October 18 Open House Steeple View Deluxe Apartment Homes, 12455 W. Janesville Rd., New Berlin Visit our secure, carefree independent living for active seniors 55 & better with 1, 2 and 2 bedroom plus den apartment homes for a tour. Please call 414-525-5500 or email info@ steepleview.org to reserve you tour time.
October 24 50 Plus Expo Don’t miss this exciting event, from 9 a.m. – 2 p.m., vendors, coffee and snack at the beginning of the event, prizes of $50 gift cards for the mall from 50 Plus, entertainment, fashion show, travel, finance advice, medical and more! October 26 Halloween in Delafield: Grand Pumpkin Illumination Downtown Delafield At 7 p.m. watch more than 300 pumpkins, carved by local area school children, illuminate before your eyes! Don’t forget your cameras! October 30 Halloween Spooktacular Jackson Crossing, N168 W22026 Main St., Jackson Storyteller Lucia Dorneden performs a Halloween Spooktacular free of charge at 6 p.m., Lakeshore building. On-Going Alzheimer’s Support Group Cedar Bay West, Fellowship Hall, 5595 County Road Z, West Bend Meets second Wednesday of each month from 1 to 3 p.m. For details, call (262) 306-4230. RRRR Alzheimer’s Support Group Jackson Crossing Lakeshore Building
October 2013 • 50plus
N168 W22026 Main St., Jackson Held third Wednesday of each month, 6 p.m. Respite care is available. Please call for reservations at (262) 677-8864. RRRR Afternoon Dance American Legion Post #449 3245 N. 124th St., Brookfield Everyone Welcome! Second Monday of every month, 1:30 - 3:30 p.m., Big Band dance, $3. RRRR Charles Horwitz Planetarium S14 W28167 Madison St., Waukesha For more information on upcoming programs visit - www.waukeshaschools.com/planet. RRRR Milwaukee Art Museum 700 N. Art Museum Dr. Open 10 a.m. - 5 p.m. Tuesday Sunday. Call (414) 224-3200 or go to www.mam.org. RRRR Milwaukee County RSVP – Interfaith Older Adult Programs, Inc. Contact Eddie at (414) 220-8655 to be a volunteer. RRRR
Milwaukee Dancing Grannies Interested in becoming one of Milwaukee dancing grannies, contact us at (414) 630-4493. RRRR Museum of Wisconsin Art 300 South Sixth Ave., West Bend Public hours, Wednesday – Saturday 10 a.m. - 4:30 p.m. and Sunday 1 - 4:30 p.m. (262) 334-9638/ www. wisconsinart.org. RRRR O.A.S.I.S. 2414 West Mitchell Street Fifty-Five Plus Travel Club meets monthly, second Friday of the month 8:30 a.m. For details, call (414) 6476071. RRRR Potawatomi Bingo Casino Senior Day is every Tuesday of the month. That means more chances for you to win! RRRR Schlitz Audubon Nature Center 1111 E. Brown Deer Rd., Milwaukee Call for information at (414) 3522880 Ext. 0. RRRR SC Johnson Tours Golden Rondelle Theater
Women & Aging: The Impact of Dementia
Wisconsin Women’s Health Foundation’s
2013 Dialogue
Thursday Oct.10, 2013 Madison
Concourse Hotel Madison 1 West Dayton Street, Madison WI 53703
Friday Oct. 11, 2013 Milwaukee Italian Conference Center, Milwaukee 631 East Chicago Street, Milwaukee WI 53202
Breakfast & Networking 8:00-8:30 am
Expert Panel Discussion 8:30-10:30 am
Free admission!
Registration Required –Space is limited.
RSVP BY OCTOBER 7 at wwhf.org
The Wisconsin Women’s Health Foundation’s Annual Dialogue is a moderated panel discussion of state and national leaders in prevention and treatment. Join us to learn about innovative solutions and strategies that can improve healthcare outcomes for Wisconsin communities.
1525 Howe St., Racine Reservations are required; admission is free, open all year on Fridays only. Offering three tour programs that run from 1 to 3.5 hours. For information, contact, SC Johnson Wax Tour Office (262) 260-2154. RRRR Square Benders Club Modern square dance lessons for singles and couples. Call for details at (414) 355-9424 or (414) 964-5443. RRRR Stillwaters Cancer Support Services 2607 N, Grandview Blvd., Ste 110,
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Waukesha Visit www.stillwaterscenter.org or (262) 548-9148. RRRR Racine Art Museum Free Friday RAM, 441 Main Street, Racine For details, call (262) 638-8300 or ramart.org. RRRR Vagabond Ski & Social Club, Knights of Columbus Hall 3200 S. 103rd & Oklahoma Ave. An active social club for singles and married couples. Meeting and dance, 7:30 (meeting). Admission fee. www. vagabondskiclub.com.
4B • 50plus • October 2013
9-1-1, we remember Still available seating was almost nil as the colors were presented to open the “Milwaukee County Remembers 9-11” in the Veterans Courtyard at the War Memorial Center on the lakefront in downtown Milwaukee on Wednesday, Sept. 11. The ceremonies at which Mayor Thomas Barrett and County Execu-
tive Chris Abele spoke also featured an address, “A Moment of Reflection” by Hannah Rosenthal of the Milwaukee Jewish Federation. Taps were played by Bobby Lindsey of the Milwaukee Police Department.
With Honors: Milwaukee Police Cheif Edward Flynn is flanked by the Marine Corps League Badger Detachment Funeral Honors rifle Team.
A piece of history: This steel beam was secured by, transported to Milwaukee and put in place by Joe Campbell, an avid participant in local veterans’ affairs.
October 2013 • 50plus
• 5B
Home Health Care Directory What is Home Health Care? How Do I Make Sure that Home Health Care is Quality Care? How Can I Pay for Home Health Care? Where Can I Learn More About Home Health Care?
What is Home Health Care? Home health care helps seniors live independently for as long as possible, given the limits of their medical condition. It covers a wide range of services and can often delay the need for long-term nursing home care. More specifically, home health care may include occupational and physical therapy, speech therapy, and even skilled nursing. It may involve helping the elderly with activities of daily living such as bathing, dressing, and eating. Or it may include assistance with cooking, cleaning, other housekeeping jobs, and monitoring one’s daily regimen of prescription and over-the-counter medications. At this point, it is important to understand the difference between home health care and home care services. Although they sound the same (and home health care may include some home care services), home health care is more medically oriented. While home care typically includes chores and housecleaning services, home health care usually involves helping seniors recover from an illness or injury. That is why the people who provide home health care are often licensed practical nurses, therapists, or home health aides. Most work for home health agencies, hospitals, or public health departments that are licensed by the state.
How Do I Make Sure that Home Health Care is Quality Care? As with any important purchase, it is always a good idea to talk with friends, neighbors, and your local area agency on aging to learn more about the home health care agencies in your community. In looking for a home health care agency, the following questions can be used to help guide your search: How long has the agency been serving this community? Does the agency have any printed brochures describing the services it offers and how much they cost? If so, get one. Is the agency an approved Medicare provider? Is the quality of care certified by a national accrediting body such as the Joint Commission for the Accreditation of Healthcare Organizations? Does the agency offer seniors a “Patients’ Bill of Rights” that describes the rights and responsibilities of both the agency and the senior being cared for? Does the agency write a plan of care for the patient (with input from the patient, his or her doctor and family), and update the plan as necessary? How closely do supervisors oversee care to ensure quality? Are agency staff members available around the clock, seven days a week, if necessary? Does the agency have a nursing supervisor available to provide oncall assistance 24 hours a day? How does the agency ensure patient confidentiality?
How are agency caregivers hired and trained? What is the procedure for resolving problems when they occur, and who can I call with questions or complaints? Is there a sliding fee schedule based on ability to pay, and is financial assistance available to pay for services? Will the agency provide a list of references for its caregivers? Who does the agency call if the home health care worker cannot come when scheduled? What type of employee screening is done? When purchasing home health care directly from an individual provider (instead of through an agency), it is even more important to screen the person thoroughly. This should include an interview with the home health caregiver to make sure that he or she is qualified for the job. You should request references. Also, prepare for the interview by making a list of any special needs the senior might have. For example, you would want to note whether the elderly patient needs help getting into or out of a wheelchair. If so, the home health caregiver must be able to provide that assistance. Whether you arrange for home health care through an agency or hire an independent home health care aide on an individual basis, it helps to spend some time preparing for the person who will be doing the work. Ideally, you could spend a day with him or her, before the job formally
begins, to discuss what will be involved in the daily routine. If nothing else, tell the home health care provider (both verbally and in writing) the following things that he or she should know about the senior: Illnesses/injuries, and signs of an emergency medical situation Likes and dislikes Medications, and how and when they should be taken Need for dentures, eyeglasses, canes, walkers, etc. Possible behavior problems and how best to deal with them Problems getting around (in or out of a wheelchair, for example, or trouble walking) Special diets or nutritional needs Therapeutic exercises. How Can I Pay for Home Health Care? The cost of home health care varies across states and within states. In addition, costs will fluctuate depending on the type of health care professional required. Home care services can be paid for directly by the patient and his or her family members, or through a variety of public and private sources. Sources for home health care funding include Medicare, Medicaid, the Older Americans Act, the Veterans’ Administration, and private insurance. For more information on home health care, visit your local Southeastern Wisconsin county aging department.
6B • 50plus • October 2013
Home Health Care
Directory Bridges Home Healthcare
1121 E. Sumner St., Ste B, Hartford Contact Person: Lisa Nealey Phone 262-673-6600 www.bridgeshh.com Serving Dodge, Washington, Ozaukee, Waukesha, Milwaukee, Racine and Kenosha Counties. Bridges Home Healthcare offers housekeeping, respite care, cooking/feeding, telephone reassurance, personal care, baths, etc., companion/daily check and other skilled nursing, PT, OT, SLP, and MSW. Medicare approved with paperwork done on insurance claims. Our staff includes a registered nurse. Benefits of home health care offer personalized care plans for each individual client. It keeps you in your own home with the skilled care that you need. Reduces hospitalizations, eliminates the need to find transportation for persons that cannot safely leave home. The future of home care is one of the fastest growing areas of healthcare. Skilled care received in the home is far
Fulfilling hope where you call home. Serving patients 18 and older in Washington, Ozaukee, Waukesha, Fond du Lac, Dodge and Sheboygan counties Chore service gift certificates available!
Find us on
Cedar
home health hospice pathfinders
5505 County Road Z West Bend, WI 53095 262.306.2691 cedarathome.org
less expensive than care in a facility. Monitoring of patient needs is much more efficient and thorough with a skilled home care agency.
Bright Star of Central Milwaukee
5594 N. Hollywood Ste 210, Milwaukee Contact Person: Andy Eyers Phone: 414-944-0281 www.BrightStarCare.com Serving Milwaukee County Bright Star offers housekeeping, respite care, cooking/feeding, telephone reassurance, overnight care, personal care, baths, etc, administer medication, check medication compliance, companion/daily check and skilled medical services. We have a registered nurse on staff and we do paperwork on insurance claims. The benefits of home health care offer personalized plan of care in your own home.
Bright Star – West Bend
W227 N16841 Tillie Lane Circle, Jackson Contact Person: Rick Lincoln Phone: 262-677-9200 www.brightstarecare.com/west-bend Bright Star - West Bend services Ozaukee, Washington and Dodge Counties and are Joint Commission Accredited. We offer housekeeping, respite care, cooking/feeding, overnight care, personal care, baths, etc., administer medication and check medication compliance. We do paperwork on insurance claims and have a registered nurse. Benefits of home health care offer help with daily activities that become increasingly difficult, additional supervision is needed throughout the night and outpatient procedure is performed. When you or a loved one faces a circumstance you need services that only an industry leader can provide.
Cedar Home Health & Hospice
5505 County Rd. Z West Bend, WI 53095 Contact Person: Carrie Schepp Phone: 262-306-2691 Cedar Home Health & Hospice services Waukesha, Washington, Fond du Lac, Dodge, Ozaukee and Sheboygan. Services we offer include, housekeeping, respite care, cooking/feeding, telephone reassurance, personal care, baths, etc., administer medication, check medication compliance, companion/ daily check, supportive care, case management and hospice. We are Medicare approved and do paperwork on insurance claims. Staff includes a registered nurse and medical director. Benefits of home health care include quality care, trustworthy with a solid reputation in the medical community. One hour visits available. Helps prevent medical emergency and offers peace of mind.
October 2013 • 50plus
Home Health Care Directory ComForcare Senior Services
139 W. Broadway, Waukesha Contact Person: Bonnie Hare Phone: 262-446-2000 www.waukesha.comforcare.com ComForcare Senior Services serves Southern Milwaukee County, Waukesha County, and Jefferson County. We offer housekeeping, respite care, cooking/feeding, telephone reassurance, overnight care, personal care, baths, etc., medication, check medication compliance, companion/daily check, transportation, Alzheimer’s Care, and pet care assistance. Our staff includes a registered nurse and we do paperwork on insurance claims. The benefits of home care give you the independence you need to stay healthy and happy in your home. Home care assistance provides dignity and quality of life. The future for health care for families will be to consider in home care as a low cost alternative to facility care.
Home Care Services
9429 72nd St., Kenosha Contact Person: Greg Phone: 262-657-8467 www.homecarewisconsin.com Serving all of SE Wisconsin, Home Care Services offers housekeeping, respite care, cooking/feeding, overnight care, personal care, baths, etc, administer medication, companion/daily check, shopping and medical appointments. Benefits of home health care include, stay in the comfort of your own home, one-on-one assistance, immediate availability of help, flexibility (stay on your own schedule) and affordable (less than a nursing home).
Lending Hands Healthcare Inc.
625 Walnut Ridge Dr., Suite 104 Hartland 53029 Contact Person: Jane Khen Phone: 262-369-8000 7665 N. Port Washington Rd. Glendale, WI 53217 Phone: 414-751-7090 www.lhhomecare.com Lending Hands Healthcare, Inc. serves Milwaukee, Ozaukee, Waukesha, and Washington counties. Services offered include housekeeping, respite care, cooking/feeding, overnight care, personal care, baths, etc., companion/ daily check and accompany to doctor appointments. Medicaid approved, will fill paperwork on insurance claims also. Staff includes a registered nurse. The benefits of home health care help the elderly and disabled people stay independent as long as it is possible, by providing quality services (in client’s home). We offer In-Home care that really works for you. We understand that making the decision to bring a caregiver into your home is not an easy one. That is why we are committed to making the home care process as stress free as possible. With the services that Lending Hands lending hands continued on page 8B
• 7B
Quality In-Home Care Serving Milwaukee, Waukesha, Ozaukee & Washington Counties
Our Personal Care & Home Support Services • Bathing • Grooming • Personal Hygiene • Dressing • Transferring • Positioning & Mobility • Food Preparation • Therapy Assistance • Medication Reminders • Dementia Care
Waukesha 262.369.8000
• Respite Care • RN Home Support • Client Check-in • Light House Cleaning • Laundry • Pet Care • Grocery Shopping • Incidental Transportation • Companionship • Appointment Escort
Milwaukee 414.751.7090
www.lhhomecare.com
Licensed, Insured & Experienced Staff
8B • 50plus • October 2013
Home Health Care Directory
lending hands continued from page 7B
offer, you are always in control. We work with you to develop a plan of care that fits your lifestyle and select a caregiver that you feel comfortable with. So you never have to worry about your decision to go with Lending Hands Home Healthcare as your home care provider. Our team of Certified Nursing Assistants work under the direction of our Nurse Manager to deliver top quality care solutions to you and your loved ones. All of our caregivers are screened, licensed, insured, supervised and receive continuous training in areas specific to home care and the clients we serve.
Quality Home Health Care, Inc.
W125 S7554 Coventry Lane, Muskego (414) 315-3717 - Kim (414) 315-0504-Lynette Contact persons: Kim M Jrolf CNA Lynette Stefanec, RN BSN, RCS Quality Home Health Care is committed to providing its patients with the highest quality care. Services provided include housekeeping, respite care, cooking/feeding, telephone reassurance, overnight care, personal care, baths, etc., administer medication, check medication compliance, companion/daily check. We are a health care service provider that provides in home skilled and non-skilled nursing services to individuals in the comfort and privacy of their own home. We are staffed with registered nurses, licensed practical nurses, cer-
tified nursing assistants, companions and housekeepers. Our staff is available 24/7 to provide you or your loved one that personal care that is deserved. Quality Home Health Care promotes appropriate, adequate, effective and efficient health care to all its patients. The future of this type of service will grow as the population reaches maturity.
Rent-A-Daughter, LLC
12660 W. North Ave., Brookfield Contact person: Jean Henke Phone: 262-754-0550 Rent-A-Daughter serves Milwaukee and Waukesha Counties. Services offered include housekeeping, respite care, cooking/feeding, overnight care, personal care, baths, etc., check medication compliance and companion/daily check. Our mission is to come alongside older adults to help them live independently by providing non-medical home care. Rent-A-Daughter caregivers becomes an extension of the love and compassion that people receive from their own families. As for the future, we see the needs of the elderly population increasing.
Home Care Service 10-13:Layout 1
Home Health Care
10101 W. Wisconsin Ave., Wauwatosa (414) 258-2418 St. Camillus Home Health Agency provides compassionate, personalized care in your home, serving Milwaukee and Waukesha County. We provide skilled nursing care, physical therapy, occupational therapy and speech therapy. These services are often covered by Medicare, Medicaid or Private Insurance. We also provide Home Health Aides and Homemaker Companions to help with bathing assist, mobility assistance, nail care, medication assistance, exercises, incontinence care, light housekeeping, meal preparation, laundry and accompaniment to appointments. We have experience caring for people with dementia and we also provide 24 hour-in-home care.
OctoberPM2013 • 150plus 3:11 Page
❃ Are you concerned about the well-being of your loved ones? ❃ Looking for a comprehensive and affordable in-home care for your elder?
Directory St. Camillus Home Health
9/18/13
Home Care Services is your answer. Call 888-697-4800 Visit www.homecarewisconsin.com for more information
•Personal Care •Skilled Nursing •Housekeeping •Respite Care •Cooking/Feeding
•Companionship •Occupational Therapy •Physical Therapy •Speech Therapy
Skilled homecare agency that is Medicare and Medicaid certified.
Serving Washington, Dodge, Ozaukee, Waukesha, Milwaukee, Racine & Kenosha Counties.
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10B • 50plus • October 2013
Poem for October Ah! October always so sunny and bright.
But , believe me, there’s chill in the air at night. Some years this was not a month to cheer. Too early ground frosting farmers do fear. Leaves turn from green to orange to red. They drop from mother trees as dying or dead. Backyard gardens now are picked so clean. Raking here and there, there is a stray bean.
Church and Chapel FUNERAL SERVICE
Non-Sectarian Ritter, Larsen Bros., Skubal-Slattery, Koelsch, Ryczek, Rudolph, Bistricky-Irsch-Grosse-Abe, Leszczynski
414-476-0052
262-827-0659
PROFESSIONAL SERVICE • Church and Chapel Funeral Services provides dignified funeral services in your church, cemetery chapel, our funeral home chapels, or the chapel of your choosing with savings of more than $2,000 are common. • For example, we provide the service in your church, or beautiful cemetery chapels are available when final disposition is made there. • We make personal service arrangements in the comfort and privacy of your home, church, our arrangement office, or any of our funeral home locations.
FUNERAL HOME LOCATIONS Brookfield
Ritter-Larsen Chapel 1875 N. Calhoun Rd.
Waukesha/Pewaukee
Rudolph, Larsen Bros. Chapel Bluemound Rd. at Hwy. J 4 Blocks South of I-94
• We display monuments, caskets, vaults, and urns making Church and Chapel your one stop planning center. • Pre-planning Centers are open Monday through Saturday or by appointment. Stop by and browse at your leisure and receive free no-obligation information. Should you wish, we can meet in the comfort and privacy of your own home. • Dignified Services with less expensive fees compared to other fine funeral homes. • All cremation service options are available utilizing on-site crematory. PRE-PLANNING CENTERS • 92nd & Bluemound • Bluemound Rd @ Hwy J With Church and Chapel Funeral Service... Savings of $2,000 are common
Plowing down residue does not seem mean. It now is time to dig up the potato and carrot. Otherwise, they could be food for the ferret. Squirrels are busy storing away the chestnuts. Such efforts often are affected by chasing mutts. Farmers smile with good corn and bean harvests. Their chests swell under cash bearing vests. Turning to the Packers, they’re short on wins. Could these really be general manager’s sins? Still, dedicated fans always hope for the best. Top teams seem to be in east and the west. The woeful Brewers will put their bats away. For them, there’s no excitement in a coming day. They have been removed from post-season play.
South
Most road ruts in summer season were filled.
New Berlin
Much old blacktop was utilized and remilled.
Ryczek Chapel 1910 W. Becher St. Ritter, Larsen Bros. Chapel 15250 W. National Ave.
Now, as seasons change, the winds do blow.
Northwest
At times, the north wind even seems to be a foe.
Bistricky-Irsch-Grosse Chapel 6709 W. Capitol Dr.
Cudahy
Ryczek , Larsen Bros. Chapel 3774 E. Underwood Ave.
West Allis
Skubal-Slattery-Koelsch, Larsen Bros. Chapel 7626 W. Greenfield Ave.
-Gordon Hinkley
www.churchandchapel.com Gordon Hinkley is the spokesperson for Church & Chapel and is not a funeral director.
Gosh! It almost again is storm window time. On this chilling thought we’ll end this rhyme.
October 2013 • 50plus
Distinguish which are the healthy carbs Oh, those refined carbs. New research finds that there are healthy carbs and then there are not so healthy carbs — aka refined carbs. Bottom line, it’s the type of carbohydrate that is important in optimal health. The refined carbs — such as white bread, sugary beverages, snack foods and baked items — have been linked to health problems. Studies have found that higher intake of such carbohydrates is linked with a great risk of Type 2 diabetes and ischemic heart disease, while diets high in minimally processed carbohydrate sources, such as whole grains, vegetables, fruits and legumes, have been linked with a lower risk. In a 2010 Danish study of more than 53,000 participants, published in the American Journal of Clinical Nutrition, replacement of saturated fat with high glycemic index carbohydrates (refined) significantly increased the risk of heart attack, whereas replacement with low glycemic index (minimally processed) carbs showed a lower risk. We used to qualify “good” and “bad” carbs in terms of “complex” (which included starches like potatoes and bread) and “simple” meaning sugars, such as sucrose. But those descriptions don’t fully portray the qualities of carbs. More useful indicators include the amount and type of fiber, the amount of processing and the glycemic load. The best choices for carbohydrates are the whole foods or minimally processed — fruits, vegetables, beans and lentils, barley, wheat berries and quinoa. Try to make room for three servings of dairy, at least 2 cups of fruits, 1 1/2 cups of vegetables and three servings of whole grains every day, suggests Sharon Palmer, a registered dietitian with Environmental Nutrition. That allows an occasional refined serving of carbs to fit into a daily plan. Here are some other recommendations from an Environmental Nutrition newsletter: 1. Look for whole grains on labels for breads, crackers and cereals. 2. Try different whole grains such as barley, wheat berries and quinoa. 3. Eat a couple of pieces of whole
fruit every day. Try to choose different types in various colors. 4. Limit highly processed foods such as baked goods, candies and sugary beverages. 5. Read food labels carefully to determine whether grains are refined and if sugars are added. 6. Try to include legumes — beans, lentils, peas and soy — on your menu at least a few times per week.
difficult to identify excess visceral fat specifically, but one simple indicator of abdominal fat is your waist size. Use a tape measure and compare your measurement to the American
• 11B
Institute for Cancer Research and the World Health Organization recommendation to aim for waist size no larger than 37 inches in men or 31.5 inches in women.
Q and A
Q
: I heard that some people with “normal” weight or BMI actually have too much body fat that puts them at risk for chronic disease. Is that true, and if so, how would you know? : Yes, it is true. Some people have weight that falls within recommended ranges for body mass index, but a healthy BMI for any particular height often covers a range of about 30 pounds. So it is possible to be in the healthy range but have too much of that weight as body fat, especially if you’ve lost muscle with age, illness or inactivity. Emerging research shows that this problem, called metabolically obese normal weight or normal weight obesity, affects at least 25 percent of U.S. adults who have normal BMI. Although these people do not face health risks as great as people who are classified as obese, their rate of heart disease deaths and overall mortality rate are increased compared to people with a healthier body composition. People with excess body fat in the abdomen seem especially at increased risk, because this fat is most metabolically active. It is linked with insulin resistance and promoting a chronic, low-grade inflammation throughout the body. In a recent study that followed about 3,000 women for five years, those with more fat deep in the abdomen (visceral fat) were more likely to have a heart attack or stroke or to develop cancer compared to the women with less visceral fat. These women all received computed tomography scans, a specialized type of X-ray that provides more detailed images of body structures than standard X-rays. Outside of scans like this, it’s
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We Offer:
• Air Conditioning • Secured Entrance • Cable TV hook-ups • Exercise Room • Pet friendly • Garages available
• Parkside is handicap accessible • Convenient access to Interstate • Close to shopping and more • 1 & 2 Bedrooms • On Site Management • Heat & Water Included
Enjoy the quiet residential neighborhood and make it your new home.
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414-352-1237
AFFORDABLE HOUSING for 55+ and 62+ Pay only 30% of gross income in rent! One-bedroom apartments located in Milwaukee, Butler and Racine
Call Reilly-Joseph Company today for an Application!
414-271-4116
Ask about immediate openings
12B • 50plus • October 2013
HERITAGE LAKE
THE REGENCY
HERITAGE LAKE
5020 South 55th Street • Greenfield • Call 414-282-0506 Beautiful serene country setting overlooking a private lake. Close to shopping, churches and medical facilities. Heated underground parking, blinds and ceiling fan. Beautiful community room. • Heat & Water Included • Air Conditioned • Intercom Access • Appliances • Community Room with Kitchen • On Bus Line starting at • Laundry on each Floor
2 Bedroom, 2 Bath 930 Sq. Ft. $880 / month
THE REGENCY
200 Southtowne Dr. • South Milwaukee • Call 414-764-5335 Quiet spacious apartments, elevator, underground parking, community room, library and exercise room. Friendly atmosphere. Larger units available. • Heat & Water Included 2 Bedroom, 2 Bath • Air Conditioned • Fitness Center 930 Sq. Ft. • Resident Library • Laundry on each floor starting at $880 / month • Quality Appliances • On Bus Line
Senior wake ups!
Q
BY: Doug Mayberry : Recently in our community we learned that two of our friends had lost money because of fraud. One neighbor lost more than $750 because a smart salesman convinced him he needed his chimney cleaned. Our widowed friend lost nearly $1,000 after she responded to a flyer left on her porch that offered a “really good price” for a health and accident policy. As seniors, how can we become street smarter? : Seniors are high profile targets because they are more vulnerable. Smart individuals who have excellent people skills and primarily earn their living by commissions realize that concentrating their energies selling to seniors can be profitable. Sometimes seniors buy something they do not want or need from a “nice and friendly” rep because they are lonely and become convinced the offer is really a great deal. Rule No.1: Never allow a stranger to enter your home. Install a door peephole. This is the easiest way to take charge and control. If you do not recognize the person, just ignore him/her and go about your business. If you get caught off-guard and unlock your door and a stranger is there, simply close your door and walk away. Be sure it gets locked. Goodbye! Rule No. 2: Never open up a conversation. If so, that is a welcoming invitation. Never sign a contract from a flyer
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left at your door without investigating the details. Ask your family, neighbors and friends for their opinions if you think you might be interested. Sometimes fraud-oriented companies use similar names of well-known companies. Rule No. 3: Escape is possible. After you have paid money and decide you do not want to complete your purchase, act quickly. Legally, a Federal Trade Commission regulation requires the salesperson to tell you that you have an option of a threeday “cooling off” period. Your sales rep must personally tell you so, and your purchase is fully refundable if you notify them within three days of your contract. : My husband decided to retire early, and now we think we made a mistake. He is miserable because he feels like he has nothing to do. He does not have any long-time male friends here because we moved far away. He does not play sports because he did not feel he had the time or money to do so. He is a wonderful and loving husband, but what can I do to pep him up? : Make it a priority to help him find something he believes is worthwhile doing. Plan to get him out of the house every day. Send him on errands or sign him up to volunteer.
Q
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There are undiscovered opportunities everywhere. Getting involved and having a valid reason for getting up in the morning is the goal! Doug Mayberry makes the most of life in a Southern California retirement community. Contact him at deardoug@msn.com.
October 2013 • 50plus
Korea Remembered ceremonies
Considering they are next door adversaries, not really cheerful neighbors, it hardly seems possible that the per capita GDP for North Koreans is $1,800 yearly while the amount is $32,400 for the South Koreans. South Korea’s level of exports total $556 billion, while North Korea’s is a paltry $2.5 billion. Sadly, infant mortal-
ity is six times higher and the death expectancy 10 years earlier in North Korea. Is it any great question as to why more than 2,000 North Koreans say goodbye to their country of origin each year? The Wisconsin Department of Veterans Affairs held a Korea Remembered, 1950-1953 celebration
of Wisconsin’s Korean Veterans on Tuesday, Sept. 24 at the War Memorial Center in Milwaukee. About 40,000 Korean War veterans live in Wisconsin. WDVA Secretary John Scocos said, “This special ceremony and reception paid tribute to the Korean War veterans who fought in this war that ended 60 years ago with the signing of
• 13B
an armistice on July 27, 1953. The war claimed the lives of 33,600 Americans. Of these dead from the bloody battles, 700 were from Wisconsin South Koreans, generally, are doubtful presently about any unification as those costs have been placed at least $810 billion.
Don’t Miss
Our Annual 50 plus or Better Expo
Located Conveniently in South Milwaukee • 2500 10th Ave. ALL Units Include:
Heat, Water, Sewer, Trash, Heated Underground Parking and so much more!
at Southridge Mall
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October 24th 9-2
414 • 764 • 7997 Professionally Managed by Oakbrook Corporation
• Now Available 1 Bedrooms Including Indoor Garage Parking • Beautiful Walking Paths • Exceptional Management • Close to Pharmac y • Appliances Included • Heated Pool • Air Conditioning • Ample Storage • On-Site Laundry in Basement • Spacious & Immaculate & Ready to Move In!
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4058 S. 43rd St. Call Brad
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Burnham Village
Gonzaga Village Sunset Heights West Allis
Waukesha
Cifaldi Square
Oak West
Valentino Square
West Milwaukee Cudahy
West Allis
West Allis
14B • 50plus • October 2013
We Saw You At…The VMP Thriller at Miller By Margaret Pearson The weather and everything else was perfect for the 7th Annual VMP “A Grand Day & Thriller at Miller” in early August. Temperatures were in the mid-70s, sunny skies, and another record crowd in Helfaer Field. Activities included four top softball games, entertainment by the Milwaukee Bucks-VMP Seniorgee! Dancers, the VMP Pep Band and all of the Brewers’ Mascots. To
RIDGEDALE Quiet Senior Community 7740 W. Grange Ave. Greendale, WI 62 & Older Don’t Delay, Call Today
(414) 421-9314
top everything else, when the crowd moved over to Miller Park later in the day, the Brewers added to their pleasure with an 8-5 win over the Washington Nationals. The event was again sponsored by the VMP (Village at Manor Park), the Marquette University Dental School and the Medical College of Wisconsin and others. Faces in the crowd included:
• Affordable Income Based Rent • Great Floor Plans • Attractive 1 Bedroom • Heat Included • Picturesque Setting • Appliances/Microwave • Elevator & Laundry Facilities • Convenient to Shopping
Barb Winfield and Karen Camara of Milwaukee
Pancho Palesse, right, of West Allis and Ken Hauser of Waukesha.
Ed Carlson of Waukesha and Bob Berninger of Milwaukee.
Sean Callahan of the VMP and Dr. Ed Duthie of the Medical College of Wisconsin.
We have great part-time opportunities available for retired individuals looking to work only 3-4 hours a day, but make a positive contribution in their communities. We need drivers familiar with the Milwaukee area to deliver meals to homebound older adults. A High School Diploma, driver’s license, a vehicle and insurance and a desire to work with older adults are all requirements of this position. Qualified candidates should apply online at www.goodwillsew.com or call 414-847-4895 for more information. Equal Opportunity Employer
Retirement Community
• Spacious Independent Apartments • Assisted Living • Memory Care
Enjoy Lake Resort Living Only Minutes From Milwaukee
Stop and see why Jackson Crossings is your best choice for senior living in the area
N168 W22022 Main Street Jackson, WI 53037 On Hwy 60 just East of Hwy 45
(262) 993-2838
www.jacksoncrossings.com
The VMP Pep Band.
October 2013 • 50plus
• 15B
Services Offered • Antiques & Collectibles • Gold & Silver • Watches • Musical Instruments • Lamps/Lighting • Advertising Signs
• Costume Jewelry • War Relics • Swords & Knives • Dolls • Coin Operated Machines • Railroad items
• Clocks • Cameras • Tobacco Items • Figurines • Pottery • Gas & Oil Items • Stoneware
• Beer Items • Vases • Old Toys • Electronics • Tools • Collections • Entire Estates
Support our advertisers They bring you
Each month!
Helfaer Field, with Miller Park in the background.
Cash Paid
Junk C ars Running or Not 7-day Service FREE pickup
414-394-3116 Wanted to Buy
Antiques & Collectibles
Anything old from attic to basement. Old advertising signs including automotive & gas station signs, clocks & thermometers. Old toys-tin & steel cars, trucks & trains. Old woodworking tools & Stanley Planes. Old crocks, coffee grinders & kitchen items. Cash paid please.
Susie and Chuck Johnson of New Berlin.
Call Frank 262-251-6545
United Seniors of Wisconsin
Play Bingo Every Day! Doors Open at 7:30 am & 4:30 pm Morning Sessions: 9:30 & 11:00 am Evening Sessions: 6:30 & 8:00 pm
Cy and Shirley Swiecichowski of Jackson.
U P TO $2500 IN P RIZE S !!!
414-321-0220
4515 W. Forest Home Ave. Greenfield www.unitedseniorsofwisconsin.org
Top Cash Paid!! If you don’t wear it. . . . We buy it.
• Antique Jewelry • Pocket & Wrist Watches • Plastic Pins • Costume Jewelry • Diamonds • Scrap Gold • Cameo’s • Rhinestones • Stick Pins • Estate Jewelry • Cufflinks
Look through your jewelry today.
414-546-1818
Don’t Miss the 50 plus or Better Expo Southridge Mall October 24th 9-2
16B • 50plus • October 2013
Exhibitors
50 Plus News Magazine Aurora Sinai Medical Center ADT Home Health Security Services American Republic Insurance Services Capri Senior Communities Captel Captioned Telephone Dental Implant & Periodontal Solutions EverDry Waterproofing Home Care Services Humana MarketPOINT, Inc Interfaith Older Adult Programs Lamers Tour & Travel Milwaukee County Dept. of Family Care Milwaukee County Dept. on Aging Peace of Mind Funeral & Cremation Service Physicians Mutual Medicare Supplements Social Security Administration St. Camillus/San Camillo Steeple View Christian Senior Community VMP Manor Park - VMP Trinity WPS Health Insurance
50 Plus or Better Expo at Southridge Mall
October 24, 2013 9 a.m. - 2 p.m.