50 plus news magazine

October 2013 Vol 26 No. 10COMPLIMENTARY

POMMER:Obamacare bringsattention to insurancepage 3A

Attend 50 Plusor better exPo

Southridge - Oct. 249am.-2pm.

sociAl security sPortsMeet the Harbaughs

home heAlthdirectory

page 22A

By Matt Pommer

STATE CAPITOLCOMMENT

MOVING IN THERIGHT DIRECTIONBy Bruce Nemovitz

AGINGISSUES

By Tom Frazier

PLANTING TOMORROW’SDREAMS TODAY

EDITORIALS

KILLING TIME with Jim McLoone

SENIORAnswer Man

IT MAKES MECRABBY

HERMAN WHITE WRITES

ARTS ENTERTAINMENTcalendar

TRAVEL

APRONSTRINGS

By Aunt Emma

Emma

SPORTS By Jack Pearson

SPORTSSPORTS

the WRIGHTSIDE of

By Enis Wright 60

By Brad Olson

MONEY SENSEBy Karen Ellenbecker

& Julie Ellenbecker-Lipsky

ELLENBECKER:Estate planning is very importantpage 7A

NEMOVitz:Mom & Dad do need advicepage 6A

page 5BIt is important in many countriespage 8A

Do you believe government policy should help family farm-ers, and small businesses? Do you believe in marriage and families? Do you think that older people should be able to stay at home and avoid institutional care? Or, that the spouse at home should not be impoverished when the oth-er spouse requires nursing home

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 provi-sions that were buried deep in the recently passed state budget.

Estate Recovery refers to re-covering money from the estates of

people who receive assistance from the state’s Medicaid program. It is required by federal law, but states decide how to implement it. Until now Wisconsin has been moder-ate in pursuing estate recovery, but recent changes passed into law as part of the state budget will make Wisconsin one of the most aggres-

Estate recovery provisions are changing

By Matt Pommer



AGINGISSUES

By Tom Frazier


EDITORIALS


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HERMAN WHITE WRITES


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POMMER continued on page 3A

RObIN AdkINs continued on page 12A

Are those birds we hear singing so beautifully along the lake-front in downtown Milwau-kee? 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 real-ized 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 Mil-waukee 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 vo-cal 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

Robin Adkins paints rainbows in song

2A • 50PLus • october 2013

October 16-27 • Marcus CenterMarcusCenter.org • Ticketmaster.com • 414-273-7206 • Marcus Center Box Office

Photos: (Broadway Cast) Joan Marcus

THE STORY OF FRANKIE VALLI & THE FOUR SEASONS

Original CastRecording On

october 2013 • 50PLus • 3A

By Matt Pommer



AGINGISSUES

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Obamacare brings many changes and more developingThe cost of individual Obamacare

health-insurance policies could cap-ture 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 Cal-ifornia, 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 com-pares to a 1.8 percent increase in av-erage American wages and an overall 1.1 percent inflation rate.

But a revolution in health insur-ance is already underway. Employers are increasing the annual comprehen-sive deductibles and co-pays, accord-ing to the Kaiser Family Foundation. Republicans are touting the approach.

Consider Gov. Scott Walker’s remarks on a national television pro-gram in August:

“The way I prefer to go, which

is you ultimately control health-care costs by allowing people to have con-trol, 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 fig-ures from a survey of 2,000 employ-ers. The responses showed 78 percent 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, mov-ing from more-comprehensive to less-comprehensive with higher de-ductibles.” Altman told the New York Times. It especially appeals to conser-vatives.

Altman called it a “version of health insurance that they’ve always

favored, with more ‘skin in the game,’ the one that’s coming to dominate the market place.”

With the demise of state employ-ee collective bargaining in Wisconsin, Walker could - with the help of the Republican-controlled Legislature - adopt a “more skin in the game” ap-proach to health care for the tens of thousands of state employees.

State government is the larg-est employer in Wisconsin provid-ing health insurance to its workers. The state program covers more than 140,000 persons including state em-ployees and their families.

Many citizens don’t realize that whatever the state does has a major impact on health insurance. For exam-ple, the state played a key role in the early 1980s when it opened the door to health maintenance organization (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 employ-ees - often older workers - chose this option.

The HMOs provided cost compe-

tition and were less expensive. Work-ers overwhelmingly joined those pro-grams. 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 gov-ernments opted to offer HMO cover-age as an alternative to their workers. Participation in private-sector HMO programs soared.

On the CNBC television program Walker also said Wisconsin employ-ers 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 skep-tical that Walker will be able to claim that those jobs have been created.

Right-wing talk radio will certain-ly blame Obamacare if Walker’s job promise for Wisconsin falls short.

sive states in the country in pursuing money from estates. The Department of Health Services (DHS) wants au-thority 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 Med-icaid 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 peo-ple may divorce before anyone needs Medicaid).

In the near future, DHS will be able to prevent a transfer of real prop-erty where a Medicaid recipient is in-volved. In some cases, DHS can even void a transfer of property (e.g. Title 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 un-der the new law will no longer be al-lowed (e.g. if someone gives their son $20,000 to pay his mortgage and he pays back $19,000, the person is still subject to the full $20,000 divestment penalty, so there is no incentive to pay any of it back).

The new estate recovery provi-sions will, in effect, reverse spousal impoverishment protections (by con-sidering 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 implemen-tation of these changes without a pub-

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 provi-sions 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 ap-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 be-lieve that is, in part, due to the existing estate recovery law. With the new pro-visions, I fear that even more people

will avoid getting needed care through Family Care and later end up in a nurs-ing home and be subject to estate re-covery. We will return to the days of having few choices, all of them bad.

According to Kate Schilling, Le-gal Services Manager for the Greater Wisconsin Agency on Aging Resourc-es, “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 edu-cations, 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 Septem-ber 18.

fRAzIER continued from page 1A


By Matt Pommer



AGINGISSUES

By Tom Frazier


EDITORIALS


SENIORAnswer Man

IT MAKES MECRABBY

HERMAN WHITE WRITES


TRAVEL

APRONSTRINGS

By Aunt Emma

Emma


SPORTSSPORTS

the WRIGHTSIDE of

By Enis Wright 60

By Brad Olson



By Matt Pommer



AGINGISSUES

By Tom Frazier


EDITORIALS


SENIORAnswer Man

IT MAKES MECRABBY

HERMAN WHITE WRITES


TRAVEL

APRONSTRINGS

By Aunt Emma

Emma


SPORTSSPORTS

the WRIGHTSIDE of

By Enis Wright 60

By Brad Olson



Hartland, WI 53029262-367-5303PublIsHersTom and Maureen slatteryedITor Jim Mcloone

WrITer/ProofreaderJill slatteryadverTIsIng dIrecTorsaran PiehladverTIsIngMargo lehmannarT dIrecTor/ ProducTIon Managernicole HessegraPHIc desIgnerPeggy duffyoffIce ManagerPaula Koeppen

By Matt Pommer



AGINGISSUES

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EDITORIALS


SENIORAnswer Man

IT MAKES MECRABBY

HERMAN WHITE WRITES


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By Aunt Emma

Emma


SPORTSSPORTS

the WRIGHTSIDE of

By Enis Wright 60

By Brad Olson



By Matt Pommer



AGINGISSUES

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EDITORIALS


SENIORAnswer Man

IT MAKES MECRABBY

HERMAN WHITE WRITES


TRAVEL

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By Aunt Emma

Emma


SPORTSSPORTS

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By Enis Wright 60

By Brad Olson



By Matt Pommer



AGINGISSUES

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EDITORIALS


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IT MAKES MECRABBY

HERMAN WHITE WRITES


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SPORTSSPORTS

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By Matt Pommer



AGINGISSUES

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AARP or AMAC?

www.MYMILwAukEELIfE.COMfind us on facebook at 50 Plus News Magazine

Has the world gone berserk?

The AARP, American Associa-tion of Retired Persons, is somewhat of a left-leaning national organiza-tion that has many retired persons as members. Rightly so, the AARP is an active organization; it has teeth and it tries to make its bite effective, espe-cially so in Washington, D.C.

AARP not only lobbies in Wash-ington for seniors, but also as a na-tionally recognized organization pro-motes discounts for this and that for seniors. Further, it publishes interest-ing newsletters and a magazine that promotes its core ideas.

Now comes onto the national scene, an organization that is said to be better for us and thusly better for America. Its name is AMAC and it is promoted as the conservative alterna-tive to AARP.

Yes, AMAC will be in the senior discount business as a way to entice members. But it also, at its core val-ue, claims that it will have effective representation as a promoter of con-servative views.

While we find it difficult to be-lieve this upstart, very late in the pro-gram, will be all that effective, the AMAC’s main thrust, drawn from their literature, is what they call the infamous Obamacare. It is promoting the death of Obamacare due to lack of Congressional funding.

While we believe the jury is still out on Obamacare, we also believe AMAC’s immediate goal of one mil-lion members by Jan. 1, 2014, is quite probably unattainable. Without at least one million members, we might guess AMAC will not reach identifi-able goals.

When it is time to retire, some people think urban, others suburban and still others a place where the cli-mate is warm. Almost the last place a retiree wants to be is a place where in-dependence is lost, i.e., living with the kids. We suspect this is true regardless of how nice the kids are to ma and pa.

RRRRA lady named Mary Kallenbach

is a kind and generous soul. She loves Mount Mary University and worked as an early morning volunteer for the recently held Starving Artists Show

there. Mary’s job consisted of fattening up the poor starving artists with 55 dozen (660) Krispy Kreme doughnuts before show time.

RRRRRemember the “No pain, no gain”

attitude? Today, we’re told to pace ourselves. Does this mean riding in a golf cart instead of carrying your golf bag as you hike down the fairways?

RRRRWhile thinking of golf, I must

mention a man named Ed Matarrese of

dEAR sAM:I recently read that the really

poor people among us are the faithful Walmart shoppers. But why does this have to be? I know that people will tell me that everything is relative. But I don’t believe it. Do you?

LOOkINg fOR sOME ANswERs,susAN sYMLERICALus

dEAR susAN:When some people use the term

“relative” they are comparing apples with apples, not apples to lemons.

Consider the times two decades ago or even three or four. We believe that if we checked back to the econom-ic realities of those times, there would be rich, middle class and poor people. There even were in biblical times. However, I think things are getting out of proportion in this modern age. Twenty years ago, a minimum wage

worker perhaps got $5-plus per hour. He or she paid less than $2 a gallon for gasoline, 20 cents for hamburger, 25 to 35 cents for a glass of beer and $50 for a hotel room if they could afford to travel. Today, that gasoline (at this writing) is $3.99 per gallon on regular unleaded, $3 or more for a hamburger, $3 to $3.50 for a beer and $90 to $110 for an average hotel room per night.

Minimum wage workers still are stuck at $7.25. Why don’t our Con-gressmen force this upward?

With immigration laws, are we just looking for people to allow us to keep some wages at almost starvation rates?

I certainly am in agreement that the really wealthy are becoming more so. Perhaps they deserve it. But don’t the poorest among us deserve a living wage?

I guess relevancy really is what you wish it to be.

gOd bLEss us ALL, sAM

I suspect that you will be crab-by, too, or at the very least disgusted when you learn that Medicare fraud-ulent 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.

kILLINg TIME continued on page 21A

Consider a leader of a nation ex-ploding poison gases on his own citi-zens? Then think of our country’s pos-sibly sending bombs into this foreign country as punishment. How many men, women and children might we kill while doing so? Would we be proud of our actions?

The world has drastically changed over the course of time, but have we gone frighteningly mad today? We may have the strength to bomb and not suffer severe consequences at home. But aren’t there better ways to solve problems than by annihilation?

Is there no common sense in the real-ity of today7?

What has ever happened to truth, charity, inherent goodness and con-sideration of others if not charity?

As we continue to achieve techno-logically should we be looking back-ward at better times; times when peo-ple respected each other; times when the people who wished to change the world only wanted to do so for the better.

Have we gone mad? Does it have to be our way or the highway?


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When you don’t think you are doing enough, you’re doing all you canBy Matt Pommer



AGINGISSUES

By Tom Frazier


EDITORIALS


SENIORAnswer Man

IT MAKES MECRABBY

HERMAN WHITE WRITES


TRAVEL

APRONSTRINGS

By Aunt Emma

Emma


SPORTSSPORTS

the WRIGHTSIDE of

By Enis Wright 60

By Brad Olson



262.242.6177www.BrucesTeam.com

Not Just Realtors... We’re Your Transition Consultants

Bruce & Jeanne Nemovitz

Our goal is to make this process both simple and easy. We are your resource for the entire selling process, with our team partners o�ering downsizing services, home repair and preparation for the successful sale of your home!

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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 dictat-ed 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 chang-es and making sure you avoid crisis management. For some, planning is in their nature and those fortunate peo-ple avoid many of life’s difficulties, as well as escape crisis management. But for most of us, we react to life’s chal-lenges, 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 imme-diate 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

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 reasons. Many of you decided to ‘wait out’ the recession until home prices 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 acted on my advice by preparing for the time when a move to a new home is the best answer to your ever-changing lives. Experience

has taught me that giving advice is one thing, but I have come to under-stand human nature will do just about anything to avoid change…especially moving from a long time home. In my new book, “Guiding Our Parents in the Right Direction,” I talk about the dynamics of this change and how families can better cope with the move when planning, for the most part this has not occurred and this change is at your family’s doorstep. Family dy-namics 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 fab-ric 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 pro-cess if you let others help guide you. Professionals are ready to assist and provide the information you need at this critical time. These service pro-viders include elder law attorneys, financial advisors, social workers, senior real estate specialists, down-sizing and packing companies, estate sale companies, contractors, movers and many others. It is critical that you find referrals from those who have al-

NEMOvITz continued on page 8A


What everybody needs to know about estate planningBy Matt Pommer



AGINGISSUES

By Tom Frazier


EDITORIALS


SENIORAnswer Man

IT MAKES MECRABBY

HERMAN WHITE WRITES


TRAVEL

APRONSTRINGS

By Aunt Emma

Emma


SPORTSSPORTS

the WRIGHTSIDE of

By Enis Wright 60

By Brad Olson



The recent death of actor James Gandolfini highlights the importance of proper estate planning. His Sopra-no’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 means his family may have to start selling off his prop-erty and liquidating his 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 attor-ney could have established an estate plan that would have enabled his es-tate to avoid or at least reduce and de-lay paying the estate taxes. How could this happen?

Most people do not know what questions to ask an attorney. They as-sume they are getting proper advice and planning; apparently not so in Gandolfini’s case. Potentially, the fed-eral government will get $20 million, the state of New York about $10 mil-

lion and the attorney about $3.5 mil-lion—nearly half of the estate.

Having homes in several states re-quires a separate probate in each state. To add to the catastrophic planning, Gandolfini had a wife, an ex-wife and children. His will leaves his es-tate open to probate (a public process) and should his heirs disagree, they can contest his will and his wishes. Last-ly, 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 re-garding 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 busi-ness. Use a Revocable Living Trust.

It is private and, if funded properly, avoids probate.

Consider putting in place a Life-time Protection Trust for your bene-ficiaries, protecting them against cred-itors in case of divorce or bankruptcy.

Ask your estate planning attor-ney 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 op-tions for paying out your estate. In-heritances 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 advi-sors 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 out-dated, please give us a call. We know the questions to ask.

Ellenbecker Investment Group in Pewaukee provides comprehensive fi-nancial 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 & Regis-tered Investment Advisor. Ellenbecker Investment Group, Inc. & SII Invest-ments are separate companies. SSI does not provide tax or legal advice.

What would YOU like to know? Email your questions to [email protected] or call 262-691-3200 and say you are calling regarding 50 Plus column ideas. We will address ques-tions 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.


Let’s look at Social Security around the world

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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 his-tory major. But he mimicked views held by so many people that Social

Security is some kind of income redis-tribution experiment that the United States is testing. And if by some mira-cle 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 band-wagon in the 1930s.

I have in front of me a book called “Social Security Programs Through-out the World” that is produced by the U.S. Social Security Administration. It provides thumbnail sketches of the history, funding and benefits of each

country’s social insurance system. There are currently about 190 coun-tries around the globe. And 177 of them, or 93 percent, have Social Se-curity 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 phe-nomenon. It is a system of rules and laws in place everywhere from Alba-nia to Zimbabwe. It is the method that civilized people across the globe use to provide some means of financial as-sistance 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 in-teresting. Most Social Security pro-grams around the world offer benefits remarkably similar to our own — to retirees, to disabled people and to sur-vivors. 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 de-scribed in my book.

THE uNITEd sTATEs First Social Security laws: 1935 Funding: Workers pay 6.2 per-

cent 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; survi-vors 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 (go-ing up to 67 by 2024); disability ben-efits at any age for full or partial dis-abilities; survivor benefits to children until age 18 and possibly up to age 27; widow(er)’s benefits for 2 years fol-lowing 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 per-cent; 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 employ-ment 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 Austra-lian citizens.

NIgER First Social Security laws: 1967 Funding: Worker pays 5.25 per-

cent 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 ques-tion, Tom Margenau has the answer. Contact him at [email protected].

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 ser-vices 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 Milwau-kee-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 [email protected].

NEMOvITz continued from page 6A


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Jay Mays top golferIt 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, Dela-field. Mays was announced at the September season ending .luncheon at the Delafield Brewhouse as number pone. Mays finished the 18-hole sea-son 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 tour-nament. He was followed by Ron Fal-ter and Chuck Monfree at scores of 78 while Howard Hoerl and Erick John-son had 79’s.

The year-ending luncheon was ar-ranged by Dave Gramins, Brookfield a golfing member and also in charge of year-long tournament.

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by dr. david lipschitzWho has not been through peri-

ods when nothing goes right? Con-

flicts at work, conflicts with family, disappointments or actions toward you that are devastatingly hurtful. The world seems dark, the sky black, the silver lining almost invisible and the future bleak.

Not surprisingly, these frequent life stressors can lead to unhappiness, anxiety, stress, hopelessness and an inability to cope. Anger is pervasive, destructive, overwhelming and, on occasion, may lead to regrettable ac-tions that can cause irrevocable phys-ical and emotional damage.

An example of a national wound is the devastating and destructive events of Sept. 11, 2001, that led to the deaths of 2,753 innocent people. The outpouring of rage, accompanied

by vulnerability and loss of inno-cence, led to a commitment to bring the guilty to justice and to seek re-venge for those so brutally injured by evil terrorists.

Now 12 years later, we have made great strides in bringing those crimi-nals 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 accompa-nying 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 be-ing treated with an antidepressant.

The solution is clear to many ex-perts: 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 in-juries 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 pro-vides a path to freedom and peace that

gradually heals and evolves, leading to greater trust, an acceptance that re-demption 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 deal-ing with resentment, anger and emo-tional 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 ei-ther be taught by an expert or devel-oped 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 ex-ercises varying from five to 20 min-utes.

Most relaxation techniques in-volve meditation, breathing exercis-es and imagery that creates calmness and peacefulness. A typical app will guide you to “breathe in” relaxation and “breathe out” tension, to concen-trate on measured breathing and to vi-sualize objects and places that make you feel happier and calmer.

Whether one is truly committing to forgiveness or actively participat-ing in stress-reduction techniques, the health benefits of relaxation exercises rapidly become obvious. Heart rate decreases, blood pressure improves and beneficial hormonal changes oc-cur that indicate improved well-being.

The message is clear. Forgive-ness 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 Syndi-cate Web page at www.creators.com.

50 Plus News Magazine


Narcotics on rise by: dr. david lipschitzThe 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 Oxy-contin (a long-acting morphine). Ac-cording 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 Unit-ed 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, pre-vent a great deal of suffering in pa-tients 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 ill-ness, accidents, broken bones or ma-jor surgery.

The greatest dilemma occurs in patients with chronic pain. All too fre-quently, physicians readily turn to hy-drocodone (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 in-effective, many physicians turn to morphine derivatives. The most com-monly prescribed is long-acting Oxy-contin (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 break-through pain; that is, the presence of pain despite treatment with Oxycon-tin. 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 eval-uation by a specialist pain team, to consider less dangerous alternatives, to provide needed psychological sup-port 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, al-most 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 Monitor-ing Program is administered by the state Department of Health.

Dosage of narcotics often increas-es gradually because the patient de-velops 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 pre-scription painkillers develop, pain perception alters in a negative way. Although the cause of pain is un-changed, 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, chiro-practic 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.

wHY dO sO MANY wOMEN suffER fROM CHRONIC PAIN?

Chronic pain results when tissues in the body are under abnormal stress and the bodies natural healing mechanisms are overwhelmed. Addi-tionally, 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 arthri-tis 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 treat-ing 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 dysfunc-tional 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.


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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 stu-dent at North Division High School that the then music teacher, Arlene Syszmanki, got Robin really interest-ed 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 per-forming 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

four children, Darius, 14, has inclina-tions 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 pro-fessionally here and there and enter-tained 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 “Milwau-kee’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 pro-fessional 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 per-former at casinos in Nevada, Michi-gan, 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 hu-manity. You see, Robin had a heart attack two years ago and has an im-planted stent to prove it. He will per-form Valentine’s Night, Feb. 14, in an American Heart Association fund raiser at the Humphrey Scottish Rite Masonic Center in downtown Mil-waukee. You’ll have to get tickets ear-ly 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 vocaliz-ing at Robin Adkins Sings Nat King Cole for about a half hour on You-Tube.

“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 musi-cal persuasion. We believe him to be a leading vocal revolutionary in the modern age of song. Nat King Cole would be proud of him.

RObIN AdkINs continued from PAgE 1A

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.

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by: Dr. David LipschitzOsteoporosis is as common as

cancer and heart disease, and it’s a leading cause of fractures, chronic disability, difficulty with walking, se-vere pain and a poor quality of life. The World Health Organization re-ports 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 complica-tions 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 sig-nificant 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 frac-ture, the risk of death within the next year is 20 percent, and another 20 per-cent 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 reoccur-ring. Vertebral fractures can occur gradually and at multiple sites, lead-ing to loss of height and curvature of the upper spine referred to as a dow-ager’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 be-coming physically dependent on oth-ers 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 os-teopenia is identified, a scan should be repeated in five years. Only those at very high risk should be scanned ev-ery 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. Bisphospho-nates such as Fosamax and Boniva are commonly prescribed. They can be given orally or intravenously every three months, or annually. In most cir-cumstances, the generic alendronate should be prescribed first. Although rare, side effects include gastrointesti-nal distress, jawbone problems and an unusual fracture of the thighbone. Be-cause of these risks, a complete dental checkup should be conducted before starting a bisphosphonate. In addi-tion, 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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by: dr. david lipschitzWhen it comes to health, as a gen-

eral 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 com-pulsive behaviors, women do not do as well. Overcoming drug addiction, alcohol abuse and cigarette smoking is much more difficult.

Until recently, the negative ef-fects 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 ob-tained from the Million Women Study conducted in Britain. The study in-cludes 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 previ-ous smokers and 52 percent had never smoked.

The risk of death in those con-tinuing 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, includ-ing 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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Because women didn’t start smoking in earnest until after 1940, this is the first study that clearly demonstrates that the long-term neg-ative 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 Minneso-ta notes that women who stop smok-ing 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 dis-appear after quitting smoking. Not only are the number of heart attacks and strokes reduced, but fatalities de-crease 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 mini-mize 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 insur-ance policies. Nicotine replacement therapies, including patches and pills, are effective. In addition, a prescrip-tion medication, Chantix, can reduce the need to smoke, as can the antide-pressant Bupropion. Many hospitals offer highly effective smoking-cessa-tion 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 nev-er to start in the first place. Thank goodness the macho and sophisticat-ed images of smoking that appealed so much to teenagers have largely

been dispelled. And the marketing of cigarettes to young people no longer occurs. But despite nationwide anti-smoking campaigns and the reduction in advertising, too many young peo-ple continue to smoke.

Whether a smoker or not, we all have a responsibility to maintain a smoke-free environment for our chil-dren and ourselves and to understand

that smoking is an addiction and bad for our health. We must stay commit-ted 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.”

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ExERCIsE continued on page 18A

He’s owned the same car for more than 83 years

By Matt Pommer



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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 Math-son, 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 Wiscon-sin 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 nation-al and local clubs that held their own

events and put out their own maga-zines. 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 start-ing 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 has completely restored his 1917 model, and it looks as good as it did when new. “New paint, new up-holstery 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, quick-er 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 nev-er 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 au-tomobile license plates, dating all the way back to the early 1900s.

Now in their 66th year of mar-riage, Dan and Jean have three chil-dren (a fourth died) and four grand-children. 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 Mil-waukee. 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.

Dan Mathson of Brookfield and his pride and joy, the Ford Model T that his grandfather gave to him 83 years ago.

Dan and Jean Mathson, all decked out in the attire of a bygone age, getting set to ride in the car in a parade. Another vintage auto owned by the Mathsons, a replica of a 1903 Oldsmobile.


By Chelle CorderoMore 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 finan-cial 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 con-tinued 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. Depart-ment of Labor Bureau of Statistics, “by 2016, workers age 65 and over are expected to account for 6.1 per-cent of the total labor force, up sharp-ly from their 2006 share of 3.6 per-cent.” 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 experi-enced worker. Typically, employers are able to pay older workers less than the average salary for younger work-ers 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 Adec-co, a recruitment and workforce man-agement 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 per-cent).”

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 lon-ger to find new employment than his or her younger counterparts, however, and it often comes with a substantial pay cut. The older unemployed work-er may find it easier to gain new em-ployment after brushing up on skills and learning more about new technol-ogy.

AARP publishes a biennial list of the best employers for workers over 50, citing companies with commend-able business practices for recruit-ing and retaining mature workers. In 2011, this list contained a large num-ber of universities and health-related industries. The next list will come out later in 2013. Human resource profes-sionals often advise unemployed old-er 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 re-placed with computers, weekly meet-ings in the board room replaced with conference calls and Skype, business trips reduced to telecommuting ses-sions, 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 unemploy-ment. 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 ad-verse 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 ex-periment with self-employment and consulting jobs without the respon-

sibilities of raising a young family. After unemployment, temping or sea-sonal work is sometimes a great way to get back into the workforce.

Realities of delayed retirement are changing the national employment picture


If you don’t have plans yet for the Christmas season maybe a visit to historic London, England is in or-der. London acquires a special sparkle around Christmas time. The weather is frosty, the Christmas lights are twin-kling, and shoppers line the streets.

The centerpiece of London’s Christmas spectacle is the giant pine tree – a gift to London from the peo-ple of Norway – which is beautiful-ly adorned and set up in Trafalgar Square each year.

There’s a wealth of family enter-

tainment on offer over the festive sea-son, 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 fes-tive atmosphere and plenty of warm-ing mulled wine.

The seasonal nostalgia continues in Trafalgar Square, where the capi-tal’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

cocktail bars, the city’s party venues are many and varied. You’ll find deli-cious celebratory menus in most Lon-don 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, Som-erset 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, San-ta’s grotto.

For a bit more festive fun, check out the annual Great Christmas Pud-ding 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 fire-works 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.

Travel to London for an exciting Christmas

Yuletide excitement abounds in London.

Hyde Park is a veritable wonderland.


The mental and physical bene-fits 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 fam-ily. Now, pet adoption companies are utilizing the health improvements to better the quality of life for senior cit-izens.

“The pairing of seniors with calm, manageable adult dogs and cats has yielded amazing vitality and unparal-leled effects, the feeling of loneliness dissolves and a reason to be active arises,” affirms Will Post, CEO of Hound & Gatos Pet Food. “The sim-ple presence of animal companion-ship can provide amazing health ben-efits 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 some-thing 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 doc-tor, and overall better health and men-tal well-being. Pets are also praised for reducing loneliness and depres-sion, 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 own-ers, resulting in managing anxiety lev-els.

“These positive results of ani-mal companionship for seniors is one more reason to encourage the owner-ship and nurturing of pets for the se-niors 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 con-tribution to a better quality of life be-ing recognized can only lead to happi-er 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.

Animal-senior citizen companionship leads to improved overall health

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Does Wisconsin football really need tail-gating?Golly, sakes alive! What have we

done? I am referring to the U.S. gov-ernment.

I am upset with the way things

are going in the world today. Yes, I do know that I am as they would tell me, only a housewife and let us, the big minds of the world solve all of our

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.

Would you believe it, I just ac-cepted 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

fun to watch it with others on the TV sets that are set up around the park-ing 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 mad-ness. He says the spirits that are con-sumed at such parties have to be an embarrassment to the spirits who pre-ceded 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 Fan-tasy Football in various clubs? Hen-ry 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 re-quirement 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. To-day, with the salaries these guys get, they’re all golden, although the way a few of them play, they’re also slight-ly 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 in-side 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 peo-ple 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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kILLINg TIME continued from PAgE 4ANew Berlin. Ed does have some great volunteering helpers, but he master-minds 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.

RRRRMaking lemonade out of lemons

would tax many cooks today. Instead, they just reach for the powdered stuff in the cupboard.

RRRRThe 1990 Americans with Dis-

abilities 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 your-self 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 inconve-nience of his or her cane or crutches.

RRRRWhen I bought those church raffle

tickets for $50 each from Dick Ber-trand, 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.

RRRRThree cheers for Margrit Meier,

owner of The Hartland Inn. Margrit was seen recently buying a $35 tick-et at a competitor’s sponsored benefit dinner. The dinner, by the way, was at Palmer’s in Hartland and raised, over-all, $150,000 to help the Cystic Fibro-sis Association. The sponsoring Are-nas families are just as nice and kind as Margrit. What assets they both are to the Hartland dining scene.

RRRRI’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.

RRRRSometimes 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.

RRRRWhy do people always refer to a

confusing piece as “Upside down”? Why not “Downside up”? These two different phrases have identical mean-ing.

RRRRWhy are there so many idiots and

maniacs on our roadways? The mani-acs are passing by our car too swiftly while the idiot is the guy ahead of you holding traffic to the regulated speed.

RRRRDo you recall the Japanese Kami-

kaze pilots of World War II who wore helmets even though they were des-tined to die? I sometimes think of their purpose in life when I see non-helmet wearing motorcyclists whizzing down the highways

RRRRA 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 tough-ing it out proved us to be tougher.

RRRRThere was a huge hole in the

ground on the western edge of down-town Oconomowoc; the location of a bigger First Bank Financial Center. Who says they don’t throw money into big holes?

RRRRAre 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.

RRRRMany chefs of supposed distinc-

tion 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.

RRRRThe Village at Manor Park’s an-

nually sponsored day at Miller Park was fantastic. The Brewers even won their game.

Mark your calendarsthe 50 plus or Better ExpoSouthridge Mall • October 24th • 9-2


By Jack PearsonAll parents take pride in their chil-

dren’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 Har-baugh, both now 74, and their off-spring 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 al-most century-long history of the Na-tional 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. Daugh-ter Joani is married to Tom Crean, the former Marquette University head basketball coach and now the head basketball coach at Indiana Univer-sity. 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 him-self, five years at Western Michigan, 14 at Western Kentucky, 41 years in total football coaching in some capac-ity. In 2002, he was honored by be-ing 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 diligent-ly. And three: to have a good wife; un-derstanding, helpful and loving. Ex-cept 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 Direc-tor 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 Wis-consin, and what does he do in his re-tirement 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 func-tions?

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 grand-kids. 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, Jim-mie, 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 In-diana) who is 17, Riley, 14 and Ains-ley, 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

unbelievable travel schedule that he and Jackie have devised for them-selves.

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 fish-ing 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 Bowl-ing 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 gor-geous 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 Sicil-ian. There’s a distinction. Sicilians are Italian, but prefer to be called Sicil-ian). Look at photos of her as a cheer-leader 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 as-sistant at Michigan, Iowa, Stanford, Bowling Green and Morehead State.

Mequon’s Jack and Jackie Harbaugh, 1st. class parents with 1st. class kids

John and Jackie Harbaugh today, in the back yard of their Mequon home.

october 2013 • 50PLus • 23AHe took over as head coach at West-ern Michigan in 1982, posting a 7-2-2 record in his first year. In 1989 he be-came the head coach at Western Ken-tucky, 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 ses-sions. 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, Michi-gan, during a time when his father, Jack, was an assistant coach under Bo Schembechler at the nearby Universi-ty of Michigan. He played collegiate-ly 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 assis-tant under Jack at Western Michigan (’84-’87), then at Pittsburgh, More-head 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 re-tained 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.

He went to high school in Ann Arbor, Michigan, and in Palo Alto, Califor-nia, the first when Jack was an assis-tant 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 foot-ball 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 de-feat the Green Bay Packers on Sept. 8. You can watch John’s Ravens against the Pack, however, on Sunday, Oct. 13 at noon.

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.

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.

October 24, 20139 a.m. - 2 p.m.

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EDITORIALS


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IT MAKES MECRABBY

HERMAN WHITE WRITES


TRAVEL

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Emma


SPORTSSPORTS

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October 2013 Section B

2B • 50pluS • OctOber 2013

By Matt Pommer



AGINGISSUES

By Tom Frazier


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SENIORAnswer Man

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By Enis Wright 60

By Brad Olson



OctOBer 2lifetime Art exhibitVMP Manor Park, 8536 W. Oklaho-ma Ave., West AllisInterfaith 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.

OctOBer 5Fall Art crawlHistoric Downtown WaukeshaTwenty-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

trolley. Visit waukeshaart.com for more details.

OctOBer 6Maxwell Street DaysFiremen’s Park, CedarburgVendors offer antiques, collectibles, crafts, fine arts, pottery, fresh pro-duce, seasonal items, sports memo-rabilia, architectural/industrial items, and more. Free, 6 a.m. – 2 p.m.

OctOBer 11- NOveMBer 17Shrek the MusicalTodd 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 him-self on a life-changing journey. This

musical brings a story of adventure, friendship and ogre love that’s bring-ing ugly back! For details and tickets, call 414-273-7206 or visit marcus-center.org

OctOBer 16 – 27Jersey BoysMarcus Center for the Performing ArtsThis Tony®, Grammy® and Oliv-ier 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 17lifetime Art exhibitVMP Trinity, 7300 W. Dean Rd., MilwaukeeInterfaith brings this exhibit from 9 – 4 p.m. with the opening reception at 2 p.m. with no cost to attend.

OctOBer 18Open HouseSteeple View Deluxe Apartment Homes, 12455 W. Janesville Rd., New BerlinVisit 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 [email protected] to reserve you tour time.

OctOBer 2450 plus expoDon’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 26Halloween in Delafield: Grand pumpkin IlluminationDowntown DelafieldAt 7 p.m. watch more than 300 pumpkins, carved by local area school children, illuminate before your eyes! Don’t forget your camer-as!

OctOBer 30Halloween SpooktacularJackson Crossing, N168 W22026 Main St., JacksonStoryteller Lucia Dorneden performs a Halloween Spooktacular free of charge at 6 p.m., Lakeshore building.

On-GOinGAlzheimer’s Support GroupCedar 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 GroupJackson CrossingLakeshore Building

2013-2014 Season:

Tickets: $27-$37 Call: 262-547-1858 Visit: WisconsinPhilharmonic.org

October 13 – Autumn Fire November 10 – Salute to Our Veterans

December 10 – An Old World Christmas February 23 – Viva Verdi, Viva Vivaldi

April 27 – Lyric Masters

OctOber 2013 • 50pluS • 3BN168 W22026 Main St., JacksonHeld third Wednesday of each month, 6 p.m. Respite care is available. Please call for reservations at (262) 677-8864.

RRRRAfternoon Dance American Legion Post #4493245 N. 124th St., Brookfield Everyone Welcome! Second Monday of every month, 1:30 - 3:30 p.m., Big Band dance, $3.

RRRRcharles Horwitz planetarium S14 W28167 Madison St., Waukesha For more information on upcoming programs visit - www.waukesha-schools.com/planet.

RRRRMilwaukee 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.

RRRRMilwaukee county rSvp – Inter-faith Older Adult Programs, inc. Contact Eddie at (414) 220-8655 to be a volunteer.

RRRR

Milwaukee Dancing GranniesInterested in becoming one of Mil-waukee dancing grannies, contact us at (414) 630-4493.

RRRR Museum of Wisconsin Art 300 South Sixth Ave., West Bend Public hours, Wednesday – Satur-day 10 a.m. - 4:30 p.m. and Sunday 1 - 4:30 p.m. (262) 334-9638/ www.wisconsinart.org.

RRRRO.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) 647-6071.

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) 352-2880 Ext. 0.

RRRRSc Johnson tours Golden Rondelle Theater

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,

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 Hall3200 S. 103rd & Oklahoma Ave. An active social club for singles and married couples. Meeting and dance, 7:30 (meeting). Admission fee. www.vagabondskiclub.com.

Women & Aging:The impact of Dementia

Wisconsin Women’s HealtH Foundation’s

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.

2013 DiAloguetHursday oct.10, 2013

madisonConcourse Hotel Madison

1 West Dayton Street, Madison WI 53703

Friday oct. 11, 2013 milWaukeeItalian Conference Center, Milwaukee

631 East Chicago Street, Milwaukee WI 53202

BreAkfAsT & neTWorking8:00-8:30 am

experT pAnel Discussion8:30-10:30 am

Free admission!Registration Required –Space is limited.

rsVP By octoBer 7at wwhf.org


9-1-1, we rememberStill available seating was al-

most nil as the colors were presented to open the “Milwaukee County Re-members 9-11” in the Veterans Court-yard at the War Memorial Center on the lakefront in downtown Milwau-kee 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 Milwau-kee Jewish Federation.

Taps were played by Bobby Lind-sey of the Milwaukee Police Depart-ment.

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 CareDirectory

WHAt IS HOMe HeAltH cAre?Home health care helps seniors

live independently for as long as pos-sible, 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 assis-tance 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 un-derstand 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 li-censed 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 print-ed brochures describing the services it offers and how much they cost? If so, get one.

Is the agency an approved Medi-care provider?

Is the quality of care certified by a national accrediting body such as the Joint Commission for the Accredita-tion of Healthcare Organizations?

Does the agency offer seniors a “Patients’ Bill of Rights” that de-scribes the rights and responsibilities of both the agency and the senior be-ing cared for?

Does the agency write a plan of care for the patient (with input from the patient, his or her doctor and fam-ily), and update the plan as necessary?

How closely do supervisors over-see care to ensure quality?

Are agency staff members avail-able around the clock, seven days a week, if necessary?

Does the agency have a nursing supervisor available to provide on-call assistance 24 hours a day?

How does the agency ensure pa-tient confidentiality?

How are agency caregivers hired and trained?

What is the procedure for resolv-ing problems when they occur, and who can I call with questions or com-plaints?

Is there a sliding fee schedule based on ability to pay, and is finan-cial 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 pro-vider (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, pre-pare 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 pa-tient 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 in-volved in the daily routine. If nothing else, tell the home health care provid-er (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 dislikesMedications, and how and when

they should be takenNeed for dentures, eyeglasses,

canes, walkers, etc.Possible behavior problems and

how best to deal with themProblems getting around (in or

out of a wheelchair, for example, or trouble walking)

Special diets or nutritional needsTherapeutic exercises.

HOW cAN I pAy FOr HOMe HeAltH cAre?

The cost of home health care var-ies across states and within states. In addition, costs will fluctuate depend-ing on the type of health care profes-sional 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 pri-vate sources. Sources for home health care funding include Medicare, Med-icaid, the Older Americans Act, the Veterans’ Administration, and pri-vate insurance. For more information on home health care, visit your local Southeastern Wisconsin county aging department.

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?


Cedarhome health hospice pathfinders

5505 County Road Z West Bend, WI 53095262.306.2691 cedarathome.org

Fulfilling hope whereyou call home.

Find us on

Serving patients 18 and older in Washington, Ozaukee, Waukesha, Fond du Lac, Dodge and Sheboygan counties

Chore service gift certi� cates available!

Bridges Home HealtHCare1121 E. Sumner St., Ste B, Hartford

Contact Person: Lisa NealeyPhone 262-673-6600www.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., com-panion/daily check and other skilled nursing, PT, OT, SLP, and MSW. Medi-care 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

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 milwaukee5594 N. Hollywood Ste 210, Milwaukee

Contact Person: Andy EyersPhone: 414-944-0281

www.BrightStarCare.comServing 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 BendW227 N16841 Tillie Lane Circle, Jackson

Contact Person: Rick LincolnPhone: 262-677-9200

www.brightstarecare.com/west-bendBright Star - West Bend services Ozaukee, Washington and Dodge Coun-

ties and are Joint Commission Accredited. We offer housekeeping, respite care, cooking/feeding, overnight care, personal care, baths, etc., administer medica-tion 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 & HospiCe5505 County Rd. Z

West Bend, WI 53095Contact Person: Carrie Schepp

Phone: 262-306-2691Cedar Home Health & Hospice services Waukesha, Washington, Fond

du Lac, Dodge, Ozaukee and Sheboygan. Services we offer include, house-keeping, 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.




ComforCare senior serviCes139 W. Broadway, WaukeshaContact Person: Bonnie Hare

Phone: 262-446-2000www.waukesha.comforcare.com

ComForcare Senior Services serves Southern Milwaukee County, Wauke-sha County, and Jefferson County. We offer housekeeping, respite care, cook-ing/feeding, telephone reassurance, overnight care, personal care, baths, etc., medication, check medication compliance, companion/daily check, transpor-tation, Alzheimer’s Care, and pet care assistance. Our staff includes a regis-tered 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 serviCes9429 72nd St., Kenosha

Contact Person: GregPhone: 262-657-8467

www.homecarewisconsin.comServing all of SE Wisconsin, Home Care Services offers housekeeping,

respite care, cooking/feeding, overnight care, personal care, baths, etc, ad-minister medication, companion/daily check, shopping and medical appoint-ments. 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 53029Contact Person: Jane Khen

Phone: 262-369-80007665 N. Port Washington Rd.

Glendale, WI 53217Phone: 414-751-7090www.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 inde-pendent 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

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

• Respite Care• RN Home Support• Client Check-in• Light House Cleaning• Laundry• Pet Care• Grocery Shopping• Incidental Transportation• Companionship• Appointment Escort

Waukesha262.369.8000

Milwaukee414.751.7090

Licensed, Insured & Experienced Staffwww.lhhomecare.com

lenDinG HAnDS continued on PAGe 8B


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-LynetteContact persons: Kim M Jrolf CNA

Lynette Stefanec, RN BSN, RCSQuality 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. Qual-ity 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, llC12660 W. North Ave., Brookfield

Contact person: Jean HenkePhone: 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 inde-pendently 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.


lenDinG HAnDS continued from PAGe 7B


•Personal Care•Skilled Nursing•Housekeeping•Respite Care•Cooking/Feeding

•Companionship•Occupational Therapy•Physical Therapy•Speech Therapy

Serving Washington, Dodge, Ozaukee, Waukesha, Milwaukee, Racine & Kenosha Counties.

Skilled homecare agency that is Medicare and Medicaid certified.

� Are you concerned about thewell-being of your loved ones?� Looking for a comprehensive andaffordable in-home care for your elder?

Home Care Services is your answer.Call 888-697-4800

Visit www.homecarewisconsin.com for more information

Home Care Service 10-13:Layout 1 9/18/13 3:11 PM Page 1

st. Camillus Home HealtH10101 W. Wisconsin Ave., Wauwatosa

(414) 258-2418St. 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 accompa-niment to appointments. We have experience caring for people with dementia and we also provide 24 hour-in-home care.



• Church and Chapel Funeral Services provides dignified funeral services in yourchurch, cemetery chapel, our funeral homechapels, or the chapel of your choosing withsavings of more than $2,000 are common.

• For example, we provide the service inyour church, or beautiful cemetery chapelsare available when final disposition is madethere.

• We make personal service arrangements inthe comfort and privacy of your home,church, our arrangement office, or any ofour funeral home locations.

• We display monuments, caskets, vaults,and urns making Church and Chapel yourone stop planning center.

• Pre-planning Centers are open Mondaythrough Saturday or by appointment. Stopby and browse at your leisure and receivefree no-obligation information. Should youwish, we can meet in the comfort and privacy of your own home.

• Dignified Services with less expensive feescompared to other fine funeral homes.

• All cremation service options are availableutilizing on-site crematory.

PRE-PLANNING CENTERS• 92nd & Bluemound• Bluemound Rd @ Hwy J

Non-SectarianRitter, Larsen Bros., Skubal-Slattery, Koelsch, Ryczek, Rudolph,

Bistricky-Irsch-Grosse-Abe, Leszczynski

PROFESSIONAL SERVICE

BrookfieldRitter-Larsen Chapel

1875 N. Calhoun Rd.

NorthwestBistricky-Irsch-Grosse Chapel

6709 W. Capitol Dr.

Waukesha/PewaukeeRudolph, Larsen Bros. Chapel

Bluemound Rd. at Hwy. J4 Blocks South of I-94

CudahyRyczek , Larsen Bros. Chapel

3774 E. Underwood Ave.

SouthRyczek Chapel

1910 W. Becher St.

West AllisSkubal-Slattery-Koelsch, Larsen Bros. Chapel

7626 W. Greenfield Ave.

With Church and Chapel Funeral Service...

Savings of $2,000 are common

www.churchandchapel.comGordon Hinkley is the spokesperson

for Church & Chapel and is not a funeral director.

-Gordon Hinkley

Church and ChapelFUNERAL SERVICE

414-476-0052 262-827-0659

New BerlinRitter, Larsen Bros. Chapel

15250 W. National Ave.

FUNERAL HOME LOCATIONS

Poem for OctoberAh! 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.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.Most road ruts in summer season were filled.Much old blacktop was utilized and remilled.Now, as seasons change, the winds do blow.At times, the north wind even seems to be a foe.Gosh! It almost again is storm window time.On this chilling thought we’ll end this rhyme.


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 Companytoday for an Application!

414-271-4116 Ask about immediate openings

Enjoy the quiet residential neighborhood and make it your new home.

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

Call Today for More Information414-352-1237

Distinguish which are the healthy carbsOh, those refined carbs. New re-

search 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 carbohy-drates 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 Nu-trition, replacement of saturated fat with high glycemic index carbohy-drates (refined) significantly increased the risk of heart attack, whereas re-placement 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 pota-toes and bread) and “simple” meaning sugars, such as sucrose. But those de-scriptions don’t fully portray the qual-ities of carbs. More useful indicators include the amount and type of fiber, the amount of processing and the gly-cemic load.

The best choices for carbohy-drates are the whole foods or mini-mally processed — fruits, vegetables, beans and lentils, barley, wheat ber-ries 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 reg-istered dietitian with Environmental Nutrition. That allows an occasional refined serving of carbs to fit into a daily plan.

Here are some other recommen-dations from an Environmental Nutri-tion newsletter:

1. Look for whole grains on la-bels 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 differ-ent types in various colors.

4. Limit highly processed foods such as baked goods, candies and sug-ary 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.

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?

A: Yes, it is true. Some people have weight that falls within recommended ranges for body mass in-

dex, but a healthy BMI for any par-ticular 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, es-pecially if you’ve lost muscle with age, illness or inactivity. Emerging re-search 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 metabol-ically active. It is linked with insulin resistance and promoting a chronic, low-grade inflammation throughout the body. In a recent study that fol-lowed 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 to-mography scans, a specialized type of X-ray that provides more detailed im-ages of body structures than standard X-rays. Outside of scans like this, it’s

difficult to identify excess visceral fat specifically, but one simple indi-cator of abdominal fat is your waist size. Use a tape measure and compare your measurement to the American

Institute for Cancer Research and the World Health Organization recom-mendation to aim for waist size no larger than 37 inches in men or 31.5 inches in women.


HERITAGE LAKEHERITAGE LAKE THE REGENCYTHE REGENCY

HERITAGE LAKE

THE REGENCY

5020 South 55th Street • Greenfield • Call 414-282-0506Beautiful 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• Laundry on each Floor

200 Southtowne Dr. • South Milwaukee • Call 414-764-5335Quiet spacious apartments, elevator, underground parking, community room, library and exercise room. Friendly atmosphere. Larger units available.

• Heat & Water Included• Air Conditioned• Fitness Center• Resident Library• Laundry on each floor• Quality Appliances • On Bus Line

2 Bedroom, 2 Bath930 Sq. Ft.

starting at $880 / month

2 Bedroom, 2 Bath930 Sq. Ft.

starting at $880 / month

BY: Doug Mayberry

Q: Recently in our community we learned that two of our friends had lost money be-cause of fraud. One neigh-

bor 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 pol-icy. As seniors, how can we become street smarter?

A: Seniors are high profile targets because they are more vulnerable. Smart individuals who have ex-

cellent people skills and primarily earn their living by commissions re-alize that concentrating their energies selling to seniors can be profitable.

Sometimes seniors buy some-thing 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 per-son, 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 welcom-ing invitation.

Never sign a contract from a flyer

left at your door without investigating the details. Ask your family, neigh-bors and friends for their opinions if you think you might be interested. Sometimes fraud-oriented compa-nies use similar names of well-known companies.

Rule nO. 3: Escape is possi-ble. 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 three-day “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.

Q: My husband decided to re-tire 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?

A: 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.

There are undiscovered opportu-nities 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 re-tirement community. Contact him at [email protected].

Senior wake ups!


Burnham VillageWest Milwaukee

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Considering they are next door adversaries, not really cheerful neigh-bors, 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 pal-try $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 Re-membered, 1950-1953 celebration

of Wisconsin’s Korean Veterans on Tuesday, Sept. 24 at the War Memori-al Center in Milwaukee. About 40,000 Korean War veterans live in Wiscon-sin. WDVA Secretary John Scocos said, “This special ceremony and re-ception paid tribute to the Korean War veterans who fought in this war that ended 60 years ago with the signing of

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 unifica-tion as those costs have been placed at least $810 billion.

Korea Remembered ceremonies

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Stop and see why Jackson Crossings

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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 SchoolDiploma, driver’s license, a vehicle and insurance and adesire to work with older adults are all requirements ofthis position.

Qualified candidates should apply online at www.goodwillsew.com or call 414-847-4895 for more information. Equal Opportunity Employer

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By Margaret PearsonThe 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

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:

ed carlson of Waukesha and Bob Berninger of Milwaukee.

Barb Winfield and Karen Camara of Milwaukee Pancho Palesse, right, of West Allis and Ken Hauser of Waukesha.

The VMP Pep Band.

Sean Callahan of the VMP and Dr. Ed Duthie of the Medical College of Wisconsin.


Look through your jewelry today.

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• Beer Items• Vases• Old Toys• Electronics• Tools• Collections• Entire Estates

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9-2Susie and Chuck Johnson of New Berlin.

cy and Shirley Swiecichowski of Jackson.

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exercISe continued on page 18A

50 Plus News MagazineAurora Sinai Medical Center

ADT Home Health Security ServicesAmerican Republic Insurance Services

Capri Senior CommunitiesCaptel Captioned Telephone

Dental Implant & Periodontal SolutionsEverDry Waterproofing

Home Care ServicesHumana MarketPOINT, Inc

Interfaith Older Adult ProgramsLamers Tour & Travel

Milwaukee County Dept. of Family CareMilwaukee County Dept. on Aging

Peace of Mind Funeral & Cremation ServicePhysicians Mutual Medicare Supplements

Social Security AdministrationSt. Camillus/San Camillo

Steeple View Christian Senior CommunityVMP Manor Park - VMP Trinity

WPS Health Insurance

Exhibitors

Better Expo50 Plus or October 24, 20139 a.m. - 2 p.m.

at Southridge Mall

50 plus news magazine

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