UNDERSTANDING THE BRAIN IN ALZHEIMER’S DISEASE page
ANNUITIES: A Q & A WITH MARTIN J. LOMBRANO, AIF®, LPL FINANCIAL ADVISOR page 14
A SoCal Senior Publication
Al W. Hensling, president
UNITED AMERICAN MORTGAGE CORPORATION
Tested, Tried and True
+ JANUARY EVENTS, ARTS & ENTERTAINMENT
Reverse Mortgage Solutions
Common Misconceptions about Reverse Mortgages The Lender takes the house. You retain ownership of your home. The loan is secured by a deed of trustor mortgage just like a standard mortgage. The difference is you do not make payments as long as you live in the home.
My Family will be against it. Our experience has shown that heirs that have been educated about a Reverse Mortgage are in favor of its use. It can allow family members to remain in their home without placing a financial burden on the heirs.
I can owe more than my home is worth. Your obligation will never exceed the value of the home.
The costs of a Reverse Mortgage are too high. Compared to other mortgage loans, the benefits of a Reverse Mortgage will outweigh the costs in many instances, with the member’s ability to finance all closing costs (and thus avoid out-of-pocket expenses). The major benefit of a Reverse Mortgage is having NO monthly mortgage payment, as long as the property is occupied as the primary residence. In the long term, when the Reverse Mortgage is kept for the member’s life, the costs are comparable to regular mortgage loans.
Reverse Mortgage loan proceeds/income will affect my Medicare/Social Security income. Loan proceeds DO NOT affect Social Security or Medicare benefits. It is your “tax-free” money to spend as you please. However, please consult your tax advisor should you have any questions. If I need to downsize and move, I cannot keep my Reverse Mortgage. This is True, but you may be eligible to use the remaining Equity in your Home to Buy a Property with a Reverse Mortgage.
PLEASE CALL TO DISCUSS YOUR SPECIFIC NEEDS AND SITUATION. (800) 708-5626 | (949) 250-1300 ext. 110 www.uamco.com | firstname.lastname@example.org 19782 MacArthur Blvd. Suite 250 Irvine, California 92612
Al W. Hensling, President BRE: 01154798 NMLS: 1942
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UNDERSTANDING THE BRAIN IN ALZHEIMER’S DISEASE page
10 Understanding the Brain in Alzheimer’s Disease: Pieces of a Puzzle
ANNUITIES: A Q & A WITH MARTIN J. LOMBRANO, AIF®, LPL FINANCIAL ADVISOR page 14
A SoCal Senior Publication
Al W. Hensling, president
12 COVER FEATURE:
Reverse Mortgage Solutions UNITED AMERICAN MORTGAGE CORPORATION
Tested, Tried and True
+ JANUARY EVENTS, ARTS & ENTERTAINMENT
Al W. Hensling, president of United American Mortgage Corporation addresses frequently asked questions and clears up common misconceptions
14 Understanding Annuities - A Q & A with Martin J. Lombrano, AIF(r), LPL Financial Advisor 16 Saddleback College Emeritus Institute - Tuitionfree, Lifelong Learning Courses for Older Adults 18 The Benefits of Medical Marijuana 22 Living with Lymphedema: Benefits of Quality Medical Compression Garments 24 10 Telltale Signs Your Parent Can’t Live Alone 26 Concierge Podiatry: Dr. Ivar Roth’s practice offers an exclusive, revolutionary laser treatment for toenail fungus
8 The 11th Tech Tool: Keeping track of more than just our sneakers
28 Mission Viejo Wigs: Where Customers are “Family” 30 Spotlight On: RCMC Weight Loss 34 Another Scam Aimed at Seniors: Real Estate Fraud 36 Long-Term Care 101: Start with the last person standing and work backward 38 Destination: Boston!
20 Helpful Tips to Using Your Medicare Benefits
32 Tips for a Healthy New Year JANUARY 2016
46 Senior Center and Community Center Classes around Orange County
TESTIMONIALS “Our firm is pleased to be a contributor to Sorbet Magazine, which we believe to be a beneficial resource to the senior community. We have been long-time contributors in several other publications the Sorbert’s editor has created and they have always been a pleasure to participate in (Orange Magazine, HB Magazine, Newport Mesa Magazine, South County Magazine, Marmalade Magazine). As estate planning attorneys, we serve the senior community and look forward to meeting many of Sorbet’s readers.” - Genene Dunn, The Law Offices of Donald A. Hunsberger “I have been advertising with Community Publications consistently since the launch of South County Magazine several years ago. The primary reason for this continued investment is the results we get in terms of brand awareness, lead generation, and sales. Another good reason is Community Publications’ outstanding customer service and their sincere desire to contribute their advertiser’s success. My advice is to try them. I’m sure it will be worth it.” - C. Lawrence “Larry” Thomas, Long-term Care Insurance - Insurance 101 “When I was asked if I wanted to be included in Sorbet, I had no hesitation. Working with Jody Robinson over the past few years, I knew she would create another professional, easy to read, and informative magazine that would appeal to seniors. I felt Sorbet would be the perfect fit for me to be able to inform seniors regarding Sleep Apnea treatment alternatives.” - Scott E. West, D.D.S. “Since I began contributing to Sorbet magazine, lots of people have commented to me about my articles and about all the great information in Sorbet in general. From the feedback I have received, I know Sorbet is making a definite impact with Orange County seniors. I have received calls from people looking to sell and wanting to know more about the value of their home so there has been a positive impact on my business from my involvement with Sorbet. The magazine has been a great boost to my real estate marketing efforts and to the OC senior population as well. I look forward to sharing more articles in future issues and helping more seniors with their real estate needs.” - Bruce Ballantine, Evergreen Realty “Simply put, advertising in the magazines produced by Community Publications works. My participation has resulted in new customers and the process couldn’t have been easier. Not only did they offer design services at no charge, they created a great ad without needing much input from me because they took the time to really understand my business. The resulting ad does a great job of getting my ‘message’ out - I’m very pleased.” - Betty Darroch, Mission Wigs
Mission Viejo Wigs
“I placed an ad in the community magazines produced by Community Publications to increase awareness of my product, but I had no idea the impact it would have! I’ve received great response and would definitely recommend these community publications to other local business owners.” - Kathy Crifasi, HipzBag JANUARY 2016
A SoCal Senior Publication
JANUARY 2016 PUBLISHER Community Publications, LLC. EDITOR Jody Robinson email@example.com (714) 596-6611 ASSISTANT EDITOR Sara Watt ADVERTISING INQUIRIES (714) 469-3495 ACCOUNT EXECUTIVES Marlo Andersen Anthony Arcurio Eric Bergstrom Kathy Mitchell Kim Roberson CONTRIBUTING WRITERS Bruce Ballantine Livia De Los Rios Samuel Henderson, PhD Donald A. Hunsberger Ann Laurence Martin J. Lombrano Ruth Page C. Lawrence “Larry” Thomas Scott E. West, DDS CONTRIBUTING PHOTOGRAPHY: Lana Farfan, Caught in the Moment Photography Community Publications, LLC. P.O. Box 73188 San Clemente, CA 92673
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THE 11TH TECH TOOL:
Keeping Track of More Than Just Our Sneakers By Donald A. Hunsberger
U.S. News and World Report presented an article in their November 16, 2015 issue entitled “10 Essential Tech Tools for Older Adults.” The subtitle further elaborated: “From medication monitors to GPS insoles, these devices make life easier and healthier for seniors.”
ach of the 10 Tech Tools held its own as a great idea for those of us in the “Older Adult” category, but it quickly occurred to this reader that there was need for at least one more help item beyond Smart Watches, Fitness Trackers, and e-Readers in the lives of most seniors. While it is important to keep track of our blood pressure and to be able to Skype our grandchildren after they have gotten their baths, technology also gives us the ability to monitor our financial situations on a much more efficient basis than what our parents and grandparents could have ever hoped for.
with this program than they could ever do in the past. It helps them to constantly know where they are, financially speaking.” Conversations with a number of financial advisors and planners led to information about multiple programs, including MoneyGuidePro, SpreadSheet, Profiles and Money Tree among others. And while eMoney appears to be the most widely used program by financial professionals, what the programs all appear to have in common is that they give better information access to the person who wants to be able to track of how his or her finances are keeping pace with the goals which that person has set for his or her retirement years. In fact, some of the programs include comparison screens to match the client’s current financial status with the client’s stated long- and short-term financial goals.
Every person whose working days have ended, or even simply shortened or slowed, should interview his or her financial advisor about adding access to monitor the financial instruments that are supporting time away from the workplace. Jim Gilmore, CFP, of Integrated Capital Management, explains that his clients use “eMoney,” a third party program from eMoney Advisor, LLC. designed to “allow clients and advisors to engage and collaborate” on an ongoing basis.
Any senior who is considering looking for a computer money management software program is advised that a number of advisors interviewed indicated that they often make the programs available to their clients at no charge to heighten the benefits their firms can provide to their customers. This is important to remember, because just like the many other “tech tools” considered by US News and World Report, these programs, while essential, can cost considerably more than a trip to the cinema.
“Any time a client has a question about her finances,” Jim explains, “she can either look at the report on her own, or she can call me and we can review the information together. Most of my clients learn how to monitor their investments and other assets a great deal more efficiently JANUARY 2016
Seniors should also remember that their life insurance policies should be included in the mix of assets under regular review. Unfortunately, one of the most common errors seniors make in their ongoing financial maintenance is failing to include life insurance policies in the asset monitoring when going over their portfolios, or worse yet, outright cancelling their life insurance policies. The result of this oversight becomes apparent later when their estates come before their attorney for administration: without an ongoing insurance presence, otherwise healthy asset portfolios often end up “ill liquid” at the time of death. The consequence? Trustees and executors end up having to sell off assets at times when such liquidation often leads to either lower profits, unnecessary taxes, or even outright losses. Television financial gurus often lambast life insurance, but attorneys or accountants who administer estates and trusts after their clients have died know that no widow has ever cursed the insurance agent when he or she delivers a death benefit under a life insurance policy. Likewise, we should remember that even the best “Tech Tools” for ongoing financial management cannot help our heirs if we forget that part of our portfolio planning needs to be not just “growth,” but also “liquidity.” If we forget to factor that variable into our long-term planning, we just may be forcing our families to end up selling assets at discounts after we die which will erase much of the benefits of our otherwise prudent planning. Hunsberger Law is a full-service estate and business planning legal firm, with estate planning attorneys and a licensed, professional fiduciary on staff. Connect with Don Hunsberger by calling (714) 663-8000 or visit www.hunsbergerlaw.com
UNDERSTANDING THE BRAIN IN ALZHEIMER’S DISEASE:
Pieces of a Puzzle By Samuel Henderson, PhD
Alzheimer’s disease is the most common form of dementia. It is a progressive neurodegenerative disease that causes changes in learning, memory, thinking, planning and behavior. The disease currently affects an estimated 5.3 million Americans, and that number is expected to increase to over 13 million by the year 2050. THE HUMAN BRAIN The human brain is the control center of the body, as well as the most complex part of the body. This intricate organ is responsible for our ability to think, learn, interpret senses, create body movement and control behavior. The brain is made up of 86 billion nerve cells, or neurons. These neurons are linked by trillions of connections called synapses that help neurons communicate with each other. Through electrical impulses and chemical signals, messages are carried throughout the brain and the rest of the body. Although this complex network of neurons and synapses is only about 3% of body weight it utilizes 20% of the body’s energy.
THE BRAIN IN ALZHEIMER’S Alzheimer’s disease changes the way the brain works by altering the structure and function of the brain. Researchers continue to learn more about the way the brain works every day, and recent research has highlighted some changes in the brain of people with Alzheimer’s disease. Each of these changes is like a piece of a puzzle, and as each piece is uncovered it gets us closer to a full understanding of the disease.
Amyloid-Beta, a small sticky protein that is thought to damage the neurons and affect the function of the brain. The idea that amyloid-beta is damaging the brain has been one of the driving forces in Alzheimer’s disease drug development. Unfortunately, targeting amyloid has been a difficult process and has not produced any new drugs for Alzheimer’s disease. Several large prominent studies are continuing to test the amyloid hypothesis, and it is likely that this theory is a piece of a much larger puzzle.
AMYLOID One of the first changes that occur in the brain of people with Alzheimer’s, is the accumulation of a protein called
Alzheimer’s disease changes the way the brain works by altering the structure and function of the brain. JANUARY 2016
Another characteristic change that occurs in the Alzheimer’s brain is the aggregation of a second protein called Tau (rhymes with now). The Tau protein stabilizes the structure of the pathways that carry substances and messages within neurons to support the function of the 10
While a great deal of progress has been made in our understanding of Alzheimer’s disease, it is still a disease with no cure.
Alzheimer’s is a disease that begins decades before it affects cognition. Recent studies have begun to suggest that there is an underlying metabolic defect in Alzheimer’s disease that it is related to damaged mitochondria. Mitochondria are the engines of the cell, they burn the fuel and produce the energy needed for memory and thinking. These damaged mitochondria may be contributing to poor use of glucose. Several large studies are currently underway to test if intervention in metabolic processes such as insulin signaling or ketosis can impact hypometabolism, thereby improving memory and cognition in patients with Alzheimer’s.
brain. If these proteins become abnormal, they will form twisted fibers that accumulate inside the neurons, called tangles. The tangles will eventually destroy the neurons, reducing the brain’s ability to function effectively. These dying neurons are a common part of Alzheimer’s disease, and it is suspected that dying neurons lead to reduced cognition and memory. Researchers feel that Tau may also play a prominent role in Alzheimer’s disease, and that preventing the aggregation of Tau may improve memory and thinking. Researchers are targeting this protein for future drug development.
Large scale neuron death and tissue loss is a prominent characteristic of Alzheimer’s disease, particularly in the cerebral cortex, where most information processing occurs. This loss of cells is likely to be due to a combination of amyloid, tau and hypometabolism.
NEW OPTIONS FOR ALZHEIMER’S DISEASE
Another early change that occurs in the Alzheimer’s brain is a reduced ability to use the brain’s main fuel source, glucose. Glucose is a type of sugar that is derived from the food we eat, primarily carbohydrates. Under most normal conditions, the brain runs almost exclusively on glucose, much like a car runs on gasoline. Glucose provides the energy for the brains activities, including the formation of memory and the completion of cognitive tasks. In recent years, sophisticated imaging techniques have made it possible to look at how the brain is metabolizing glucose. Studies using these techniques have shown that in the brains of people with Alzheimer’s, less glucose is being used than in people of similar age. This is often referred to as glucose hypometabolism. These imaging techniques have also shown that the decline in glucose metabolism is not a general decline, but instead is found in specific regions of the brain. These are the same regions that show accumulation of Amyloid-Beta and Tau. This pattern of decreased glucose metabolism is unique to Alzheimer’s and can help in the diagnosis of the disease.
While a great deal of progress has been made in our understanding of Alzheimer’s disease, it is still a disease with no cure. As researchers continue to study opportunities for new drugs and therapies to treat and eventually cure Alzheimer’s, it seems likely that all of the various theories play a role in this complicated disease. Fortunately, well controlled late stage clinical studies are currently underway in each of these areas. Information gained from these studies will be vital to our understanding of the disease, allowing the pieces to be better fit together and progress to be made more rapidly. If you or a loved one has been affected by Alzheimer’s or memory loss, please consider participating in a clinical trial and be a part of finding a cure. For more information on clinical trials in this area, go to ClinicalTrials.gov, a website sponsored by the U.S. National Institute of Health. Dr. Samuel Henderson, PhD is the Vice President of Research & Development at Accera Inc. Accera is a clinical stage pharmaceutical company that develops therapies for central nervous system disorders. Dr. Henderson has been working on Alzheimer’s disease and neurodegenerative disease research for more than 10 years. Previously, he investigated the genetics of aging at the University of Colorado and was the Lead Scientist at GenoPlex, Inc. researching anti-aging technologies. Dr. Henderson received his PhD in Molecular Genetics and Cell Biology from the University of Chicago, and has a BA in biology from Washington University.
FITTING THE PIECES TOGETHER The aggregation of Tau and the occurrence of glucose hypometabolism have traditionally been thought of as a sign of an unhealthy cell, much like leaking oil and poor fuel economy is the sign that something is wrong with your car’s engine. Yet, research now suggests that Tau and glucose metabolism may be contributing to the disease process and are not innocent bystanders. Glucose hypometabolism can be seen very early in people who are at risk of Alzheimer’s, long before they begin to have problems with memory or thinking. In fact, the Alzheimer pattern of glucose hypometabolism has been seen in people as young as 31 years old, suggesting that JANUARY 2016
Reverse Mortgage Solutions
AL W. HENSLING, PRESIDENT OF UNITED AMERICAN MORTGAGE CORPORATION ADDRESSES FREQUENTLY ASKED QUESTIONS AND CLEARS UP COMMON MISCONCEPTIONS By Kristine Emerson
It is estimated that approximately two-thirds of Americans will receive more than 50% of their retirement income from Social Security.
the borrowers no longer use the home as their principal residence or fail to meet the obligations of the mortgage. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.
ut seniors who are concerned about the future of Social Security (or whether they will outlive their retirement savings), may want to look to their home equity as another possible source of income. A reverse mortgage is a retirement asset that can be effectively utilized as part of a retirement income plan to support your retirement goals and needs - and help retirement-age homeowners â€œage in place.â€?
Q: If I take out a reverse mortgage, will the bank own my home? A: No, you continue to own your home just the same as with a regular mortgage.
In the following interview, we asked Al W. Hensling, president of United American Mortgage Corporation, to address some of the more frequently asked questions and clear up common misconceptions regarding reverse mortgages:
A reverse mortgage does not affect regular Social Security or Medicare benefits. However, if you are on Medicaid or Supplemental Security Income (SSI), any reverse mortgage proceeds that you receive must be used immediately.
Q: What is a reverse mortgage and how does it work? A: A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that you built up over years of making mortgage payments can be paid to you. However, unlike a traditional home equity loan or second mortgage, HECM borrowers do not have to repay the HECM loan until JANUARY 2016
could impact eligibility. For example, if you receive $4,000 in a lump sum for home repairs and spend it all the same calendar month, everything is fine. Any residual funds remaining in your bank account the following month would count as an asset. If the total liquid resources (including other bank funds and savings bonds) exceed $2,000 for an individual or $3,000 for a couple, you would be ineligible for Medicaid. To be safe, you should contact the local area agency.
- No Loan Repayment Required As Long As You Live in Your Home - Retain Full Ownership of Your Home - Tax-Free Funds As Long As You Live in Your Home - Loan is Insured By the Federal Government - You Can Choose the Method to Receive Your Funds that Best Suits Your Needs
Q: How much money can I get and are there restrictions on how the proceeds may be used?
Al W. Hensling, president Q: What is the difference between a reverse mortgage and a home equity loan?
A: The amount of funds you are eligible to receive depends on your age (or the age of the youngest spouse when there is a couple), appraised home value, interest rates, and in the case of the government program, the FHA lending limit, which is currently $625,500. If your home is worth more, then the amount of funds you may be eligible for will be based on the $625,500 loan limit. In general, the older you are and the more valuable your home (and the less you owe on your home), the more money you can get.
With a second mortgage, or a home equity line of credit, borrowers must make monthly payments on the principal and interest. A reverse mortgage is different, because it pays you – there are no monthly principal and interest payments. With a reverse mortgage, you are required to pay real estate taxes, utilities, and hazard and flood insurance premiums.
During the first 12 months after closing, a borrower cannot access more than 60 percent of the available loan proceeds. In month thirteen, a borrower can access as much or as little of the remaining funds as he or she wishes.
Q: Are there any special requirements to get a reverse mortgage? A: To be eligible for a FHA HECM, the FHA requires that you be a homeowner 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, have the financial resources to pay ongoing property charges including taxes and insurance, and you must live in the home. You are also required to receive consumer information free or at very low cost from a HECM counselor prior to obtaining the loan. You can find a HECM counselor online or by phoning (800) 569-4287.
There are exceptions to the 60 percent rule. If you have an existing mortgage, you may pay it off and take an additional 10 percent of the available funds, even if the total amount used exceeds 60 percent.
Al Hensling is President of United American Mortgage of Irvine. Connect with Al and his team by calling (800) 708-5626 x110 or by emailing him at alhensling@ uamco.com. Visit www. uamco.com to view their mortgage calculators to get a head-start. You can also apply online, get a custom quote and read more about the loan programs they offer. If you’ve never had a loan before, consider their handy ‘Loan Process’ tool. They take you step-by-step through what you can expect when applying for and receiving a loan.
Q: Will I lose my government assistance (Social Security and Medicare) if I get a reverse mortgage? A: A reverse mortgage does not affect regular Social Security or Medicare benefits. However, if you are on Medicaid or Supplemental Security Income (SSI), any reverse mortgage proceeds that you receive must be used immediately. Funds that you retain count as an asset and JANUARY 2016
BENEFITS OF A REVERSE MORTGAGE
A Q & A with Martin J. Lombrano, AIFÂŽ, LPL Financial Advisor What are you going to do with the money you have saved for retirement? One option is an annuity - a long-term retirement contract that can give you regular income over the course of your retirement rather than forcing you to manage a large lump sum.
he big difference between the old-time corporate pension plan and an annuity is that the amount you receive is entirely dependent upon how much you put into the annuity.
fixed annuity may pay a fixed interest rate for a certain period of time and often times the interest rate is set at the beginning of the annuity contract period.
Understanding how these tax-deferred investment choices work - and the differences between a fixed and variable annuity - can be a complicated proposition for the lay investor. In the following article, we asked Martin J. Lombrano, AIF (CA Lic. #0828215) to address commonly asked questions to help our readership navigate the available options in deciding if an annuity is the right investment vehicle for their individual retirement needs:
Q: Is it a good idea to buy annuities for my IRA or qualified plan? MJL: Annuities for IRA or qualified accounts can be a good planning tool depending on the clients risk tolerance, time horizon and need for income. Since an annuity is already a tax deferred investment contract, IRA money inside of an annuity gains no tax advantages. However the annuity contract may have other investment and/or income benefits.
Q: What is an annuity? Martin J. Lombrano: An annuity is a tax deferred investment contract issued by and insurance company. In general, an annuity will have an owner of the contract, an annuitant or person on whose life the annuity will be paid and lastly a beneficiary or the person who will receive funds at death.
Q: Are there fees associated with a fixed annuity? MJL: Yes. Most fees and expenses of a fixed annuity are factored into the stated annual percentage rate. Some fixed annuities may assess an annual contract fee. Be sure to read the contract carefully prior to making any financial decision.
Q: What does an annuity do? MJL: â€œWhen you purchase an annuity contract, your annuity assets will accumulate tax deferred until you start taking withdrawals in retirement. Distributions of earnings are taxed as ordinary income. Withdrawals taken prior to age 59 may be subject to a 10% federal income tax penalty.
Q: How long will I be able to receive income from an annuity? MJL: Income from an annuity can be guaranteed by the insurance company for your entire life or for different periods of time the owner may pick when setting up income from the annuity as set forth in the contract. Guarantees are based on the claims paying ability of the issuing company.
Q: What kinds of annuities are there? MJL: Annuities come in a few different varieties. The two main categories are fixed annuity and variable annuity. A JANUARY 2016
Q: What is the primary difference between a qualified and a non-qualified annuity?
your insurance agent. This article is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information. Please also ensure your biographical and broker/dealer information is here. Example: Martin Lombrano is a registered representative with, and securities offered through LPL Financial, Member FINRA/SIPC. or, from your website... Martin Lombrano is a Registered Representatives with, and securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA & SIPC. Financial Planning offered through Pence Wealth Management, a Registered Investment Advisor and separate entity from LPL Financial.
MJL: A qualified annuity is a contract funded with qualified or pre-tax money which has been deducted from current income. A non-qualified annuity is funded with after-tax money meaning no tax deduction has been taken on the money put into the contract Q: Why are annuities issued by life insurance companies? MJL: Annuities are issued by life insurance companies because of the fact they may offer a death benefit to a beneficiary of a contract or guarantee a lifetime income to the owner of an annuity contract. Q: What is the primary difference between annuities and life insurance? MJL: An annuity will generally payout at death the account value, a stepped-up death benefit value or the original principal deposited less any withdrawals prior to death of an annuitant. Life insurance pays the value of the policy at the time of your death.
Martin J. Lombrano, AIF®, is a LPL Financial Advisor and PERSONAL FINANCIAL PLANNER™ (PFP) with over 20 years of experience in the financial planning field. Martin has served as the owner and president of his own financial planning firm in Irvine. In 2007, he joined Pence Wealth Management and LPL Financial. Martin has extensive experience in insurance, charitable giving, asset management, retirement planning, as well as growth and preservation of retirement assets. Martin has been honored numerous times as a top advisor within the independent brokerage and advisory community. He believes listening, trust, persistency and service are the foundation of lasting relationships and success. He can be reached by calling (949) 6608777 or email firstname.lastname@example.org. CA Insurance License # 0828215.
Q: What primary factors influence annuity income? MJL: Depending upon the clients need for income, how long they may want income to be paid out and the type of annuity they own all influence annuity income. Furthermore, annuities are generally considered income producing investments. Q: Is an annuity appropriate if I plan to leave the money to my heirs? MJL: Annuities are generally best used for income generating purposes and may not be ideal to leave to heirs or for legacy purposes. In my experience when the annuity owner does not use the contract for income and leaves it to the heirs it may create tax problem for the heirs. There may be ways to avoid this after death in the case of a non-qualified annuity but each situation is different and requires an specific expertise in annuity contracts. Q: What tax must my beneficiaries or heirs pay if my annuity continues after my death?
Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member.
MJL: In general, annuities adhere to the LIFO or Last In First Out method of accounting which generally means any gains in the annuity contract will come out first and be taxed as ordinary income as opposed to capital gain tax. There may be an opportunity to get partial tax advantaged income or death benefits if the right annuity planning is done. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.
Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from taxdeferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable Annuities are suitable for long-term investing, such as retirement investing. Withdrawals prior to age 59 ½ may be subject to tax penalties and surrender charges may apply. Variable annuities are subject to market risk and may lose value.
This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contract JANUARY 2016
Tuition-Free, Lifelong Learning Courses for Older Adults Apply and Enroll Today! saddleback.edu/emeritus • 949-582-4835 28000 Marguerite Parkway, Mission Viejo, CA 92692 by Dan Predoehl, M.Ed • Director, Emeritus Institute
The Saddleback College Emeritus Institute is California’s largest lifelong learning program specifically designed for older adults. We welcome you to join us as we enter our 40th anniversary year of providing academically rigorous, mentally stimulating, socially engaging, and health improving courses offered at over 30 locations throughout South Orange County. Wherever you live in South Orange County, you are never far from one of the 220 sections of Saddleback College Emeritus Institute courses. Rolling admission: Apply and register even after the semester has started! Each semester, nearly 5,400 individuals choose to live happier and healthier lives by enrolling in tuition-free courses to stretch their minds and bodies. Whether you may be looking to discuss current political events, to express yourself through sketching, painting, or ceramics, to learn a new language, or to discover and practice healthful-living principles, you are sure to find fellow lifelong learners in the Emeritus Institute to join you. Don’t miss the upcoming Dorothy Marie Lowry Distinguished Guest Lecture Series (HUM 204x, Section: #21080) on Fridays, 9:30am-11:20am at Laguna Woods Village, Clubhouse 3 Auditorium. Each Spring semester, we welcome sixteen local and national educators, artists, sociologists, scientists, political activists, and scholars to engage students in critical thought and discourse.
students and faculty often emerge and keep students returning each semester to take courses with their favorite instructors and to learn alongside their peers. If you have been searching for the perfect, tuition-free opportunity to build new relationships, explore new ideas, and hone new skills, now is your chance. Join us in the Saddleback College Emeritus Institute by visiting our website and completing the student application. We look forward to seeing you in classes this January.
Since admission and enrollment are on-going, you can easily apply to become a student and enroll in courses even after the semester has started! Visit our website at saddleback.edu/emeritus to apply or call us at 949-582-4835 for more information.
Saddleback College Emeritus Institute Over 30 South Orange County Teaching Sites saddleback.edu/emeritus • 949-582-4835
Highly qualified and personable faculty members invest in the personal and educational development of our students. It is no surprise that friendships between JANUARY 2016
South Coast Safe Access
In California, patients who wish to acquire medical marijuana need a doctorâ€™s approval and require enrollment in a patient registry and a medical marijuana identification card to be shown at a dispensary (this ID card is issued to patients who have a signed statement from a doctor diagnosing their specific condition and that medical marijuana is the recommended treatment protocol).
alifornia's medical marijuana laws state that marijuana can be used for a wide range of health conditions - from arthritis, anxiety, chronic pain, insomnia and migraine headaches to diabetes, glaucoma and "any other illness for which marijuana provides relief."
send every product to SC Labs to be tested for quality assurance. SC Labs conducts all testing in accordance with strict scientific protocols and the latest research.
In the following interview, Derek Worden, owner of the Santa Ana-based South Coast Safe Access (SCSA), addresses some commonly asked questions about the process and safety of the product available at Orange County's first fully licensed, state-of-the-art marijuana dispensary.
A: Yes, we have every product lab tested and those results are available for our patients' review.
Q: Is the MMJ sold at SCSA safe?
Q: What are MMJ edibles, extracts, tinctures and concentrates? A: We offer a wide selection of edibles, extracts, tinctures and concentrates including Kiva, Liquid Gold, Cheeba Chews and Prima Can, among others.
Question: Who can buy medical marijuana (MMJ) at your dispensary? Answer: SCSA patients must be over 21 years of age, have a valid California Driver's License and must provide an original doctor's recommendation.
Q: How much MMJ can a patient buy at one time at SCSA? A: Patients are able to buy up to two ounces of medicine when visiting SCSA.
Q: Where does the MMJ sold at SCSA come from? SCSA is the first licensed Medical Dispensary in Santa Ana.
Q: Is patient information confidential at SCSA?
A: All vendors are exclusively hand-picked cultivators of medical marijuana and are the best in the industry. We
A: Yes, all patient information is confidential.
South Coast Safe Access is located at 1900 Warner Avenue, Suite A in Santa Ana. For more information, call (949) 474-7272. JANUARY 2016
USING YOUR By Ruth Page
KEEP YOUR MEDICARE CARD SAFE
PAY ATTENTION TO THE PAPERWORK
You’ll usually need to show your Medicare card (or your Medicare Advantage plan card, if you choose Medicare Advantage) when you receive services. Bring it along when you go to the doctor.
When you receive a health service that Medicare covers, you will get a Medicare Summary Notice (MSN) in the mail. The MSN shows the service or supplies that have been billed to Medicare for your care. Check this list to make sure that you received all the services or supplies listed.
HELP PREVENT FRAUD
KNOW YOUR RIGHTS
Your Medicare card and your Social Security number are valuable personal information. Keep track of your card. Handle it the way you would handle other valuable information, like a credit card.
Smart consumers understand their rights. As a person with Medicare coverage, you have the formal right to complain, or appeal, about your treatment in certain situations.
If you suspect someone else is using your Medicare card or your Social Security number, call the Medicare Helpline immediately. (1-800-MEDICARE).
For example, you have the right to appeal when your prescription drug plan doesn’t cover a drug that you and your doctor think you should have. As another example, you have the right to question the amount that Medicare paid for a service you got.
CHOOSE YOU PROVIDERS CAREFULLY
Your State Health Insurance Assistance Program (SHIP) can tell you more about how to file an appeal.
The quality of care may vary among doctors, hospitals and other providers. To find quality information about providers in your area, visit Medicare.gov or Healthgrades.com or call the Medicare Helpline.
UNDERSTAND HOW COVERAGE WORKS In general, for Medicare to cover a service or supply: • You must have joined the part (Part A or Part B) that provides that service or supply • The service or supply must be medically necessary to treat a health condition or prevent it • You must choose a provider enrolled in Medicare • You must meet any conditions that apply (such as limits on how often the service can be provided)
If you have any additional questions, or would just like to know more about the basics of Medicare, please call Ruth Page at (949) 297-3917. Serving Orange County for more than 20 years, Ruth is a licensed and certified Medicare agent with Porter, Page and Company, Inc. – Insurance and Financial Services.
IF YOU HAVE QUESTIONS, ASK You have the right to information about how your Medicare benefits work, including information about what services are covered and their costs. You also have the right to an explanation when a service is denied to you. JANUARY 2016
ARE YOU LOOKING FOR AN ALTERNATIVE TO THE CPAP MASK? FACT: Oral Appliance Therapy has been proven to be the best alternative treatment for Sleep Apnea and Snoring
FACT: Oral Sleep Appliances are made by dentists.
Q. SO, HOW DO YOU SELECT THE RIGHT DENTIST TO MAKE AN APPLIANCE THAT WILL BE SUCCESSFUL FOR YOU? A. GET A YES TO THE 10 QUESTIONS BELOW: 1. Does the Dentist have over 10 years experience in this field? 2. Does the Dentist work with more than one type of appliance? 3. Is the Dentist able to show you his Success Stories? 4. Does the Dentist work closely with Sleep Centers in your area. 5. Does the Dentist follow-up with you to make sure you get the best results? 6. Is the Dentist a Diplomate of a Sleep Academy? 7. Does the Dentist have good reviews on Healthgrades and Yelp? 8. Is the Dentist a Medicare Provider? 9. Is the Dentist’s Staff well trained on billing Medical Insurance? 10. Does the Dentist have an informative website on this subject.
CALL Y TODA (949) 829-6700
FACT: DR. SCOTT E. WEST CAN ANSWER YES TO ALL 10 QUESTIONS.
AND THE CONSULTATION IS FREE!
SCOTT E. WEST D.D.S., F.A.G.D. • Diplomate of the Academy of Clinical Sleep Disorder Disciplines • 22672 Lambert St. #603, Lake Forest CA, 92630
Awaken Your Brain’s Limitless Potential "Brainwave Optimization was a Godsend. The process was so soothing, it was as if my brain was getting a massage and clearing all the stress and anxiety that was holding me back from moving forward with my life. The experience has changed my life in a way that is difficult to put into words. I sleep through the night, no longer with thoughts and worries keeping me awake, I don’t have the anxiety attacks that were literally taking me over. I look at life so differently with so much more peace, and passion for life. Thank you Mary for the added touch of healing through the process of the special gifts you have to help others see who they truly can be." - H.W., Laguna Niguel (actual client testimonial)
Call For More Information & A Complimentary Consultation
Brainwave OptimizationTM is a holistic, non-invasive procedure using EEG-based technology. If you suffer from any of these symptoms, clinically proven results can be achieved in as little as 5 days. ❍ ADD/ADHD ❍ Addictions ❍ Anxiety ❍ Brain Injury ❍ Depression ❍ Lack of Focus ❍ Learning Disorders ❍ Memory ❍ Migraines ❍ Panic Attacks ❍ PTSD ❍ Sleep Issues ❍ Sports Performance ❍ Stress
www.awokenlife.com JANUARY 2016
Mary Catherine McPherson, C.Ht. Advanced Provider
30320 Rancho Viejo Rd. San Juan Capistrano
Living with Lymphedema Benefits of Quality Medical Compression Garments By Livia De Los Rios
The lymphatic system delivers nutrients to body tissues and removes waste products. It operates similarly to the circulatory system but is a separate system.
or other risk factors, including genetics, being overweight or obese and other health problems like heart or circulation issues. Lymphedema can be complicated to treat, which is why you should see your medical professional for appropriate options as there are many variables, techniques and specialized treatments for lymphedema.
hile the circulatory system relies on the heart to pump blood around the body, the lymphatic system relies on routine movement of the muscles and joints to push lymph fluid through the body. If a section of the lymphatic system is blocked or damaged, normal drainage may be slowed or stopped, resulting in swelling or lymphedema.
The most common procedure for managing lymphedema is called Complex or Complete Decongestive Therapy (CDT).
What Else Can You Do About Your Lymphedema? The following recommendations apply only to the area of your body affected by lymphedema. • Keep the affected area very clean • Avoid injuries to the skin that can lead to infection, such as scratches or bites from pets or bites or stings from insects. • Avoid other activities that can cause more extensive trauma to the delicate lymphatic vessels, such as excessive strain during exercise, restriction of blood and lymph circulation by blood pressure cuffs, tight bra straps, waist bands, etc. • Avoid temperature extremes that can stress the lymphatic system
CDT has two phases: phase l, reduction and phase ll, maintenance, each consisting of four elements. All the elements have specific contributions and can only be effective if applied together. The four elements of CDT are:
The word “lymphedema” means swelling (edema) that results from the pooling of too much lymph fluid in areas of the body. This swelling occurs most often in the arms and legs, but it can also affect the face, neck, abdomen, or genitals. It is estimated that 5 million Americans suffer from lymphedema – resulting from cancer treatment
• Skin Care • Manual lymph drainage (MLD) • Compression therapy • Exercise therapy Short stretch bandaging is used in the reduction phase. Once the swelling is reduced and stabilized, the limb can then be fitted for a special compression garment, such as the JOBST Elvarex® or Elvarex® Soft. These garments will help control your condition. Livia De Los Rios is president and CEO of Allied Medical Supply located at 424 S. Main St., Suite M in Orange. She can be reached by calling (714) 935-9200 or visit www.AlliedMedical.net
Peter has been helping Southern Californians with their income tax returns, tax planning, and comprehensive financial planning needs for over 30 years. Peter is adamant when he says, “As long as the IRS keeps up with its annual “tax simplification” strategies, you will want to use a professional who understands the constantly changing tax and financial environment.” Peter stresses that “the start of the year is the perfect time for tax planning. It enables us to achieve a good sense of direction and work together with my undivided attention. This is true for any individual, small business, or corporation seeking to become more tax efficient and a better financial consumer.”
A CPA who helps you plan a SECURE FUTURE
ertified Public Accountant Peter D. Prescott is single-minded: “I strive to make each client as tax efficient as possible. Using a client’s entire finances as a framework, we establish major goals and then combine tax savings techniques and professional financial planning to enhance the growth of their money!”
Peter’s background is impressive: A business degree from U.C. Berkeley, a Professional Financial Planning designation from U.C.L.A., a Masters in Taxation from Golden Gate University, Big 8 accounting experience at Price Waterhouse and the Personal Financial Specialist Designation (PFS) from the American Institute of Certified Public Accountants. Overwhelming technical expertise belie the fact that Peter is a people person. His clients appreciate his professional knowledge of course, but love him for his down to earth sensibility, wit and humor. As a man who has participated in public speaking venues, stand-up comedy and a few game shows, Peter loves life and is not only dedicated to his profession, but also maintaining a balance of work and play. His most important priority is his own family. His wife Margie is a homemaker and formerly a special education teacher in San Clemente. Having three sons, Peter understands that early planning to meet family goals is critical.
Knowledge of the tax laws is of little value unless they can be applied wisely to fully meet your needs. That is why Peter Prescott follows a comprehensive approach combining effective tax savings, advanced financial planning strategies, estate planning and professional investment methodologies. Why allow yourself to become anxious and stressed out about your taxes, retirement, college, or business planning? The best time to begin the process is now. There are still many actions that can be taken to save you money this year and be better positioned for the future. With Peter’s help you will benefit not only from his experience, but you’ll be able to relax a little more too! Call today to schedule a tax planning or tax return preparation meeting to take advantage of Peter’s New Client Offer.
New Client Offer
Tax Preparation Expires 03.31.16.
Prescott Tax & Wealth Management 30950 Rancho Viejo Rd, Ste 100 • San Juan Capistrano, CA 92675 (949) 248-9815 • (949) 661-5395 Fax Peter@Prescott500.com • www.Prescott500.com Securities and advisory services offered through Independent Financial Group, LLC (IFG). Member FINRA/SIPC. Prescott Tax and Wealth Management and IFG are unaffiliated entities. JANUARY 2016
10 Tell-Tale Signs Your Aging Parent Can’t Live Alone By Carolyn Brent, MBA
It’s a sad reality that, as we age, we become less independent than we once were – but for most blessed with longevity, it’s inevitable. With an estimated 13 million baby boomers throughout the U.S. caring for elderly parents, throngs of adult caregivers struggle with determining if their parent is fit to remain living alone.
up, there is a good chance that the bills are not getting paid. You may also discover amongst mail issues that your parent’s checking account ledger balance is wrong or in arrears. These are also signs that your parent is having memory issues or difficulty with simple math cognition. It can also indicate a general apathy – a mindset that can be equally problematic for someone with the glut of responsibility required to effectively live alone.
t’s a difficult, multi-faceted decision not to be made lightly as there is much at stake – both the physical and emotional well-being of the parent in question and for the extended family at large. To help ease the process of determining if an elderly parent should no longer live on their own, here are 10 tell-tale signs that can give you better peace of mind with making this all-important decision:
1. Mom or Dad has always been a great housekeeper, but the house just doesn’t look like it used to: You may remember a parent who was constantly on you about tidying your room or putting things away after you were done with them. The house was always spotless and everything was organized, clean and in its place. There was much pride in this fact. However, upon visiting with Mom or Dad today the home is decidedly cluttered and not nearly as clean as normal. Of course, this can mean a lot of things. Your parent may actually have an active social life and is more concerned with staying busy than tidying up. But, it could be a more ominous sign that your parent is having a difficult time keeping up with all the chores. She may feel overwhelmed or his physical health is slowing him down. Ask your parent if help is needed with the clutter, but do it in a nonchalant way that could prompt a conversation indicating assistance is needed here. Keep a keen eye to discern if the clutter and filth is getting worse with each visit - it’s often a key sign.
4. Your parent is losing a lot of weight: A parent who may have lost their partner or who is generally depressed often loses interest in eating due to a reduced appetite. They may feel that it is not worth the hassle of shopping for and preparing meals if they are now living all alone. Accordingly, pay close attention to your parent’s weight. Also, check their refrigerator and pantry to see if there is an appropriate supply of food and that what is there is fresh and edible. If the cupboard is bare and your parent’s frame is shrinking, living alone might become problematic. At the very least, you may want to think about bringing groceries by or looking into a service that offers prepared meal delivery. Otherwise, you may have to think about putting them somewhere that helps them eat regular, healthy meals. 5. They have forgotten the basics of hygiene: If you notice that your parent is wearing the same clothing day in and day out or that their hair or skin appears dirty on a fairly regular basis, they may have lost the motivation, ability and/or forethought to look after them self. Living alone, they may feel like they don’t have to dress up or clean up for anyone. Worse yet, they may have forgotten – or simply no longer cares - that such personal hygiene and cleanliness is an important part of daily living and maintaining one’s good health.
2. The bills and other mail are piling up: While we all get busy – even those who are retired –basic tasks that were often dealt with quickly and easily when younger, but that are now falling by the wayside, is a sign that your older parent could be getting overwhelmed and not able to manage their daily affairs. This may also indicate some signs of forgetfulness and memory issues. Often, especially if a parent is alone without a spouse, they may not have someone to remind them to go through the mail and check to see if it’s time to pay certain bills.
6. They appear in inappropriate clothing: While you may not share your mother or father’s sense of style, there is cause for concern if your parent dons summer clothing in the dead of winter or leaves the house in a nightgown and slippers for a trip to the store. This often happens when the elderly are suffering from confusion and lose the ability to have discretion in social situations. In this situation, wardrobe can be the least
3. The checking account balance is wrong and bills are going unpaid: If the mail, with bills included, is piling JANUARY 2016
of the concerns as the problem manifests in other dangerous ways.
7. There are signs of forgetfulness in the home: Confusion can also show up in the kitchen and can prove to be deadly if not dealt with quickly. All too often there are stories of older people who accidentally burned their houses down because they left a pot on the stove for hours and fell asleep or have flooded the home when they forgot to turn off the tap. Or, perhaps more subtly, the milk is in the pantry and the bread is in the refrigerator. These are all tell-tale signs that it may not be wise for your parent to be left home alone for extended periods of time.
Medicare can be complicated. We make it simple.
8. Your parent regularly misses appointments and other important items: Forgetfulness, absentmindedness and memory issues may also show up when it comes to keeping certain appointments, recognizing key dates, or, even more importantly, maintaining medication dosages on schedule. This is a clear sign they need to live with someone who can help them stick to their schedules and stay on task.
You may qualify to enroll or change
your Medicare health plan if:
9. They are just acting plain weird: This is always the sign that families dread the most. No one wants to turn into the “crazy cat lady” or the “man who mutters to himself.” But, unfortunately, between aging, mental degradation and the side effects from medication, you may note that your parent has lost their personalities and behavior has taken an odd turn for the worse. If you see signs of paranoia, fear, strange phone calls and conversations and nervousness, this should not be overlooked as it’s a blatant sign that living assistance is in order.
You’re newly eligible for Medicare
You’ve recently moved to the area
You live in a nursing home
You’re leaving your employer plan
If you have questions about your Medicare, our team has the answers you need. Can’t find your doctor in your network? Referrals take too long? Paying extra for extra benefits?
10. They exhibit signs of depression: There are a number of classic signs that can be connected with someone suffering depression. A loss of interest in caring for one’s self as well as a lack of participation in socialization and in once-loved hobbies can mean that your parent needs treatment or should reside in an environment where they can be around other people. Sometimes, depression comes from a sense of loneliness or the realization that they can no longer do things for themselves. Putting them somewhere that offers assistance, socialization and activities can help cure the loneliness and put them back on track to a more fulfilling, active and engaged life.
Don’t delay. Call today for a free consultation. We make house calls.
Aging and elder care authority Carolyn A. Brent, MBA, is the author of the acclaimed book “The Caregiver’s Companion: Caring for Your Loved One Medically, Financially and Emotionally While Caring for Yourself” – a “systems” book detailing outlining step-by-step processes so caregivers know what to do and what to ask in every situation that may arise. She may be reached online at www.CareGiverStory.com JANUARY 2016
Orange County Local Agent
(949) 297-3917 Porter, Page and Company, Inc. Insurance and Financial Services Serving Orange County more than 20 years
Concierge Podiatry Dr. Ivar Roth’s practice an exclusive, revolutionary laser treatment for toenail fungus By Jody Robinson Photography by Lana FaRFan, Caught in the Moment Photography
A staggering 40 million people in the United States struggle with toenail fungus (onychomycosis). This condition often starts as a small white or yellow spot under the toenail, but if left untreated can spread and cause the nail to discolor, thicken and crumble at the edge. As the nail becomes more brittle, it may lead to pain and inflammation.
f there’s currently no pain involved, many people will put off addressing the condition or ignore the problem altogether, opting instead to cover their feet and turn a blind eye.
Like Garcia, Bill Gojkov, had been living with toenail fungus for “most of my adult life” and had “tried everything I could think of to get rid of it.”
But the truth is, if you’re affected by toenail fungus, you have an organism living in your nail that can spread – to other toenails or even other parts of the body.
“After treatment with Dr. Roth, the fungus is completely gone,” he says. “I had tried everything before I went to Dr. Roth and now, everything is perfect.”
The other issue with ignoring nail fungus is that the fungus creates cracks and openings in the skin where bacteria can get in and cause infections. For individuals who have nerve damage or poor circulation, leaving the issue untreated can have serious consequences.
Another of Dr. Roth’s patients, Jay Hosey, agrees with Garcia and Go-
Once fungus gets under a toenail, it’s difficult to treat on your own. Topical toenail treatments don’t always work and oral medications carry a risk of side effects and can be hard on the body. But an increasing number of Southern Californians have discovered a simple, proven solution - a revolutionary laser treatment offered by Ivar Roth, DPM of the Newport Beach-based Concierge Podiatry. Dr. Roth is the only podiatrist in Orange County to offer treatment with the Noveon Laser - the latest technology in laser treatment for toenail fungus. Patient Ed Garcia contracted toenail fungus nearly six years ago and spent the subsequent five years attempting to eradicate the problem. He tried a “number of different medications” and even had a podiatrist perform laser treatment to no avail. “The fungus kept progressing to where I ended up having it on five toes,” says Ed. “I finally decided to give laser treatment another try – this time with a different doctor. I came to Dr. Roth over a year ago and today, the fungus is completely gone on four of the nails and nearly gone on the last nail, but even that nail is 1000 percent better than it was. Dr. Roth’s treatment worked like a charm.” JANUARY 2016
“Over the years, I tried over-the-counter drugs and even went to a dermatologist, but nothing worked,” says Jay. “Dr. Roth really knows his stuff. Although he can treat many different foot problems, he’s very focused on this aspect of his practice and it shows in the results he achieves for his patients. My case was pretty pronounced and quite embarrassing, but Dr. Roth got it cleaned up and cleared out and I couldn’t be happier.”
Ivar Roth, DPM: The laser light beam does not harm the nail or surrounding skin. Some patients may experience mild discomfort from the heat the laser generates, but the Noveon laser has a special pause button that the patient has control of. If the laser light is too strong, the patient simply activates the switch to immediately pause the laser.
In the following interview with Dr. Roth, we asked Dr. Roth to share his thoughts on common questions prospective patients might ask when considering treatment.
Question: How long does the treatment typically take?
Question: What are the symptoms of toenail fungus?
Ivar Roth, DPM: Depending on the severity, two to four treatments - two to four weeks apart.
jkov and adds that his “pretty severe case of toenail fungus” started out as athlete’s foot as a teenager.
Ivar Roth, DPM: Nails that have fungus generally are thicker and are discolored. Depending on the severity of the problem the appearance can go from white or brown spots or areas on the nails to extremely thick deformed nails. Question: What causes toenail fungus? Ivar Roth, DPM: The cause is usually from trauma to the nail and subsequent exposure to the fungus organism. Poor nail salon cleanliness, gyms, public showers and lack of hygiene have been implicated as a cause of fungal infections. Question: How common is nail fungus? Ivar Roth, DPM: Toenail fungus is extremely common. I would estimate that 50% of the population has at least one infected nail. Like all problems, it starts out as small and slowly grows and gets worse. Nail fungus begins as a white or yellow spot under the toenail. As the fungal infection goes deeper, nail fungus may cause the nail to discolor, thicken and crumble at the edge. Question: How does the laser treatment work?
Question: What is the success rate for laser treatments for toenail fungus? Are the results lasting? Ivar Roth, DPM: I have developed a new process called the LANCE procedure. This acronym stands for Laser Assisted Nail Care Excellence. With this new process, we are achieving better results much more quickly. I can say with utmost confidence that nearly all nails can be treated effectively. On average, a toenail will replace itself every 9-12 months. Healthy new growth will be visible within the first 3 months as your nails continue to grow so patients see improvement within a few weeks following treatment.
Ivar Roth, DPM: The laser bathes the toe in a special light wavelength that shines a laser/light beam through your toenail and eradicates the pathogens embedded in your nail bed and nail plate that cause toenail fungus.
Question: Can patients walk right away following treatment (i.e. what is the recovery period following treatment)?
Question: Is the treatment painful?
Ivar Roth, DPM: Patients are able to walk out with no discomfort.
Connect with Dr. Roth by calling (949) 650-1147. Concierge Podiatry is located at 351 Hospital Road, Suite 407 in Newport Beach. JANUARY 2016
Mission Viejo Wigs:
Where Customers are “Family” By Jody Robinson
Mission Viejo Wigs is truly a family business. Not in the traditional sense, where its owners and operators share the same genes.
best testament to Betty’s genuine, caring nature came from a source closer to home.
ut rather in such a way that every person who has walked through Owner Betty Darroch’s doors in the 30+ years she has been in operation immediately felt like a member of Darroch’s extended family.
When my mother was diagnosed with lung cancer over five years ago, there were so many aspects of what she was facing - including the side effects associated wit chemotherapy treatment – that were out of our control. But my mother’s appearance was something she felt she could dictate. We knew she would lose her hair, but she was determined not to “look like a sick person.”
As a professional hair and wig stylist since 1962, Betty began her career at CBS where her résumé reads like a celebrity screenplay starring the coifs of a veritable “who’s who” of Hollywood: Ann Margaret, Carol Lawrence, the Midnight Specials and the Sonny & Cher Show. She went on to work for the Hallelujah Hollywood Show at the MGM Hotel in Las Vegas.
From the moment my mother met Betty, she knew she had found the right place and more importantly, the right person to help her. Betty shared so many stories of survival – of longtime customers and friends who fought a similar battle and won. Her warm embrace and inspired hope and help steel her resolve to maintain a positive, fighting attitude.
But it wasn’t until she opened her own business in Mission Viejo that she felt as though she were “truly doing God’s work.” Her clients today include people who are experiencing hair loss due to chemotherapy treatment, alopecia or other medical conditions. Betty specializes in wigs, hairpieces and toupees for women, men and children and carries only the highest quality brands. Each wig or hairpiece is custom fit to the client for the most natural look and feel – no one will know you’re wearing a wig unless you tell them.
The wig Betty selected was the perfect color and style for my mother’s face (and head) shape. The wig was so natural looking that my mother received many compliments on her “new do” and no one was the wiser. It’s been over three years since my mother completed treatment and is now leading a cancer-free life. Although her own hair has long since grown back, she still often prefers to wear Betty’s wigs on “bad hair days.”
“Hair loss, whether it is the result of illness, the aging process or heredity, can be a traumatic and emotionally draining experience,” says Betty. “We work with people on a daily basis who are facing the issue of hair loss for the first time. Our goal is to help you find the solution that works best for you and do so in a caring way that makes you realize that you are not alone.”
Thank you Betty! You can connect with Betty by calling (949) 581-4549 or via e-mail at email@example.com. Mission Viejo Wigs is located at 25571 Jeronimo Road in Mission Viejo
There are wonderful testimonials from longtime customers on her web site (missionviejowigs.com), but for me, the JANUARY 2016
Health WHAT IS A COMPOUND? A compound is what pharmacies call a drug that is made in-house in the pharmacy’s laboratory. Before big drug companies existed in the US, all drugs were compounded at your local pharmacy by a pharmacist and his or her technicians. Compounds are customizable medications created for an individual patient’s needs. Anyone can use a compound in place of traditional drugs and there are many benefits in doing so.
Call us today to see if a compound is right for you.
31654 Rancho Viejo Road, Ste. N San Juan Capistrano (949) 429-5326 www.ocpharmacy.net
WHY COMPOUNDS? • Made in the USA! Many drugs are manufactured in other countries. Do you know what goes into the pills you put into your body? Support a quality American healthcare brand like OC Pharmacy. • You can visit the lab where your medication was made - you can even watch your medication be made. • You can meet the technician that made your medication. • Many pharmacists may recommend a compound because customized medication may have better and/or faster outcomes. • Compounds are customizable - Have an allergy? No problem! • Compounds are safe - we follow strict industry guidelines for safety and are audited to ensure safety of the drug, the lab, our staff, and obviously the patient. • Cut the drug company out of the picture - know that your doctor isn’t taking kickbacks from big drug companies. • OC Pharmacy doesn’t skimp on ingredient quality, we use only the best from PCCA and Medisca - two of the leading suppliers of the raw materials used in compounding.
RCMC Weight Loss HCG • Lipo Injections • Nutritional Counseling
By Ann LAurence
n today’s high-paced, high-stress society, we are accustomed to treating health problems after they negatively impact our lives, rather than proactively caring for our bodies. Unfortunately, waiting until a problem develops (such as weight gain) puts your overall health at risk. Poor nutrition, fatigue and stress can send your body on a downward spiral, leaving many people feeling hopeless and frustrated.
Imagine your ideal self. Would you weigh less? Have more energy? No longer struggle with chronic fatigue? Dr. Richard Mantell and the wellness team at RCMC Weight Loss are there to guide you to take control of your life and regain a healthy lifestyle. Whether you need assistance with medical weight loss, nutritional counseling and balancing stress, they can help. For several years, the clinic had aided many patients to successfully lose weight and change their lives through a truly transformative approach to “whole body wellness” aimed at helping them get healthy and stay healthy for life. Since opening his first weight loss office in 1995, Dr. Richard Mantell has recognized that being overweight is a medical condition. At RCMC Weight Loss OC, he and his partner, Dr. Bryan Veirs (they co-own both RCMC clinics - the original location in Rancho Cucamonga and their new office which opened in San Juan Capistrano last June) determine the underlying cause of each individual’s weight gain. For many patients, eating healthy and exercising is simply not enough to take off the pounds. Dr. Mantell and the RCMC wellness team take the mystery out of weight loss by using a medical weight-loss program designed to help patients lose one to two pounds a day for up to 45 days - and most importantly - keep it off. “Losing weight is more than just diet and exercise,” says Dr. Mantell, who graduated medical school with a specialty in Internal Medicine and completed his medical residency at University of California, Irvine. “It is simply overwhelming without guidance and direction. The program will provide you with a private nutritional counselor to help keep you accountable for achieving your weight loss goals. Many patients have failed numerous times in their past dieting attempts, but are amazed when they find real success here.” RCMC’s cutting-edge medical weight loss treatments include integrating HCG injections, lipo injections, appetite control medication and nutritional counseling. The medically prescribed
Dr. Richard Mantell and his wife Jennifer.
injections protect your lean muscle mass while turning your body into a fat burning machine. HCG is part of a fast track medical weight loss program which helps patients drop pounds fast and feel more energetic than they have in years. Most notably, nutrition counseling and lifestyle advice helps patients correct negative habits that may have led to their weight gain in the first place, so the pounds stay off for good. “I’ve tried all kinds of diets and never thought I could make a life change,” says Annette P. “But thanks to everyone (at RCMC), I am doing it. I feel great. I’m loving the result. I would like to thank everyone (at RCMC) for giving me all the support I needed at times when I was going to give up.” Rey R. of Ontario echoes Annette’s assessment and adds “It is sometimes difficult to describe such great experience. The staff is VERY welcoming every time I come for an appointment. They have always been informative and knowledgeable about the program I’m on. They are extremely encouraging and motivating to keep me on path without being pushy. I would like to mention my favorite person to talk to at RCMC, but I can not choose one - they are all awesome! Thanks again RCMC for helping me become a healthier me!” “At RCMC, our patients are treated like family,” says Dr. Mantell. “We are available to our patients during and after hours. When our patients follow the advice we teach them, they will lose weight and keep it off.”
To schedule a consultation and diagnostic appointment with Dr. Mantell and the team at RCMC Weight Loss Orange County, call (949) 267-3886 or visit www.RanchoWeightLoss.com. RCMC Weight Loss is located at 31888 Del Obispo, Suite C-2 in San Juan Capistrano. JANUARY 2016
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Tips for a Healthy New Year
The holiday season filled with friends, family and lots of food has come to an end. The start of the New Year is a perfect time to get back on track with healthy habits and take charge of your family’s health.
GET PLENTY OF SLEEP: Lack of sleep can affect you mentally and physically. It can decrease the strength of your immune system and increase the chances of getting sick. Keep good sleep habits by avoiding large meals before bed and ensure that you and your child go to bed at the same time every night.
alOptima, the health insurance provider for thousands of adults and children throughout Orange County, offers these easy tips to start off 2016 on the right foot: GET VACCINATED: Vaccinations are one of the best ways to protect you and your family from potentially harmful diseases. Immunizations such as the flu shot are important to people six months or older and especially if you have family members over 50 years. Be sure to check-in with your doctor regularly to ensure that you and your family are up-to-date on your vaccinations.
SCHEDULE A WELLNESS VISIT: The beginning of the year is a great time to schedule a wellness visit for you and your child with your doctor. Lastly, make sure to bring a list of questions you may have about your health to address with your doctor at this visit.
MAINTAIN A HEALTHY DIET: Focus on eating foods that help promote all around health. Try to incorporate more fruits, vegetables and whole grains into your family’s regular diet. Maintaining a diet rich in vegetables may help reduce risk of stroke, cancer, heart-diseases and Type-2 diabetes. Make a habit of incorporating one new fruit or vegetable into your weekly meals.
It’s easy to take an active role in your health care all year long. By following these simple tips you and your family will be well on your way to a healthy 2016!
CalOptima is a county organized health system, and provides publicly funded health care coverage for low-income children, adults, seniors and people with disabilities in Orange County. In total, CalOptima serves more than 765,000 members with a network of more than 7,500 primary care doctors and specialists, as well as 30 hospitals.
STAY ACTIVE: Regular physical activity improves overall health and fitness. Staying active is easier than you think and is as simple as going for a twenty minute walk with your kids or dog, taking the stairs at work or playing a friendly ball game with friends and family. Make sure to drink plenty of water to stay hydrated while you exercise. JANUARY 2016
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Another Scam Aimed at Seniors: Real Estate Fraud By Bruce Ballantine
California is a prime target for senior financial abuse as it is the nation’s highest retirement destination, with an estimated 4.2 million people over age 65 living in the Golden State in 2012.
he California Department of Finance projects that by 2020, California’s over-65 population will have increased by 50 percent from 2010 to 6 million and by 2020 will have doubled to 8.4 million as even the youngest baby boomers reach 65 years old.
An “agent” who doesn’t answer questions directly may be a scammer. Being vague about the buyer, what real estate company they represent, or why the buyer does not want to look at the inside of the home are all red flags and mean the deal is very likely a scam.
At an age when the labors of a lifetime should be enjoyed, con artists, unscrupulous companies, caregivers, and even trusted family members are exploiting many seniors. The outcome often is devastating. Without financial resources, physical and emotional well-being decline and seniors lose their independence.
PRESSURE FOR A DECISION The “agent” has a valid-looking contract in hand – all it requires is the senior’s signature, right away. The reason for an immediate decision is typically tied to the other red flag – the out-of-town buyer is ready to leave. To protect yourself from real estate fraud:
Seniors are often looking to sell their home to move to an assisted living facility and working with a licensed real estate agent is the proper way to go. But many seniors are not even thinking of selling – until a fraudster shows up their door. The scammer sweet-talks vulnerable seniors with “a sure-fire way to sell their home and make a great profit.”
KEEP OPEN DIALOGUE If a caregiver or family member has regular, open communication with the senior, frauds can be prevented. Ask your senior to never sign anything or give any personal information, such as a social security number or credit card numbers, without calling a family member first.
Often times, it takes a senior a little longer to understand what is being said, process the information and decide whether the offer sounds reasonable. Fast-talking thieves take advantage of this weakness. Remember, they do this for a living and are very good at it!
USE TRUSTED PROFESSIONALS FOR ADVICE Whenever possible, seek out the advice and guidance of trusted professionals (attorneys, real estate agents, financial planners, and mortgage brokers, etc.) to answer questions and provide guidance.
These “red flags” are some of the things you should watch for:
As discussed above, fraud by predators and scammers against seniors in the area of real estate requires that you be vigilant and skeptical, proceed cautiously and do your homework.
UNSOLICITED OFFER TO SELL The person who contacts you calls himself or herself a real estate agent or broker in the real estate industry. They claim they already have a pre-existing buyer set up. The buyer is interested in buying the home right away. The “agent” has a contract. All the senior needs to do is sign the contract.
If you have any questions about real estate fraud please give me a call and I can provide a listing of resources and agencies for you to contact to get further information and help.
OUT-OF-TOWN PURCHASER A real estate agent contacts the senior and says they have an out-of-town purchaser who wants to get a contract signed before they leave. If seniors fall for this, they have no way of tracing that person; no way of knowing if they actually exist. This scam usually involved a spur-of-moment decision. He or she may say something like; “My out-oftown buyer is getting on plane in 30 minutes. If I don’t tell them before they leave, the deal is off.” JANUARY 2016
Bruce Ballantine is a Seniors Real Estate Specialist and Certified Senior Advisor and Realtor Associate for Evergreen Realty. CalBRE #001783833. He can be reached at (949) 632-2923 or firstname.lastname@example.org 34
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LONG-TERM CARE 101:
Start with the Last Person Standing and Work Backwards By C. Lawrence “Larry” Thomas
Some conversations are really hard to have. Especially those related to our, or a loved one’s, end of life. Most people are hesitant to have the “talk.” I call these “3D” conversations as they are subject to denial, delay, and deflection. Let’s have one. The first solution is to plan early (your 50’s is not too early, 70’s is not too late) by starting with the needs of the survivor and working backwards through the needs of the couple together. In today’s world there are various forms of long-term care insurance that can be purchased individually or jointly by couples. The earlier this coverage is acquired, the less expensive it is. Additionally, the younger the applicant is, the healthier they tend to be, so qualification for the coverage is usually easier. As an aside, it is not unheard of for a person in their 30s to purchase long-term care coverage. Why? The premiums are comparatively low. Plus, a significant portion of the long-term care benefits paid out are to policy-holders who are under 65 and have suffered a medical condition (i.e., car accident or early stroke) which requires long-term care for a period of time.
n the vast majority of couples there will be a survivor, one who lives longer than the other. The survivor probably has been a caregiver for the other half of the couple: possibly the primary, if not only, caregiver. If she is the last one standing, how will she get the care she needs?
Back to the issue at hand: what if the couple is older or one of them has already passed? There are still things that can be done, depending on the individual’s situation. There is a program in California that protects some assets from MediCal “spend down” requirements called the California Partnership for Long-term Care. That may be an option. There is also a special long-term care annuity that may be suitable.
That is the dilemma for many families; dad has passed and mom needs care that was never adequately planned or prepared for. If there are children, caregiving becomes their responsibility (either to give the care or pay for care by professionals). To jog our memories, we are talking about long-term care, which is assistance with the “activities of daily living” (eating, bathing, dressing, transferring from bed to chair, toileting, and continence). This care may be at home or in a facility.
The best way to proceed is to contact a long-term care coverage professional and discuss your personal circumstances. If this doesn’t apply to you, but you know someone who might need some advise, pass this on to them. In our case, there is never a charge for these consultations.
Medicare does not pay for long-term care beyond a few weeks in a skilled nursing facility after an inpatient hospital stay and if there is a medical necessity for skilled nursing and the patient is improving. MediCal (California’s version of Medicaid) does have a long-term care program for impoverished persons as a “safety net.” Qualifying for MediCal benefits essentially eliminates the recipient’s estate.
C. Lawrence “Larry” Thomas is Senior Vice President, Regional Banking Manager for South Orange County of Partners Bank of California. The region includes the cities of San Juan Capistrano, Dana Point and San Clemente. Larry can be reached at (949) 732-4020.
Well, now that we are depressed having identified the problem, let’s talk solutions. JANUARY 2016
949.388.3525 • 32840 PCH, Suite B • Dana Point
949.388.3525 • Monarch Bay Plaza • Dana Point Same location, city changed the address.
SIZZLING WINTER SPECIALS
Boston Uncommon By Ann Laurence
Boston feels like a small town where you can’t turn around without bumping into a gravestone of a Son of Liberty, running into an historical landmark or stumbling upon a legendary building. It’s the Cradle of Liberty full of lessons from history; it’s Beantown, heavy with cultural significance; it’s America’s Walking City, full of pedestrians who dig their rickety old subway cars because they’re the oldest and the coolest.
oston famously offers its Freedom Trail, a path of bricks that takes a walker throughout the city past its most significant sites. The Freedom Trail Tour took us from Boston Common to Faneuil Hall, past the Granary Burying Ground where Paul Revere, Samuel Adams, John Hancock and others are buried, including all five victims of the Boston Massacre; and past the Old State House where those five were slain and where the Declaration of Independence was first read aloud to the public. Along the Freedom Trail are the most politically significant landmarks but also several “oldests” and “firsts” such as the Omni Parker House and the Union Oyster House, the longest continuously running hotel and restaurant in the country, respectively. The Freedom Trail makes it easy to discover your nation’s history on your own, but there are also excellent tours that are educational and entertaining – for our two “professional tours,” we chose to travel by land and by sea on the Boston Duck Tour (www.bostonducktours.com) and strictly by sea aboard a Boston Harbor Cruise (www.bostonharborcruises.com).
BOSTON DUCK TOUR For a particularly fun tour of the city by land and water, hop aboard one of the candy-colored fleet of duck boats that roll through the city before splashing into the Charles River. JANUARY 2016
The name “duck boat” is derived from DUKW, the acronym given to a six-wheeled amphibious vehicle developed by General Motors during World War II. The “ducks” were used by the Army and Marine Corps to carry ammunition and supplies from ships to shore during the invasions of Normandy and Sicily. Once they were phased out, they were modified to cater to the tourism industry. This tour is great all ages. Our 65-minute excursion started in front of the New England Aquarium (the other two departure sites are the Museum of Science and at the Prudential Center) and every seat was sold out as the jaunts are a popular draw for tourists and locals. The sightseeing tour starts on land then continues on water, where
the Charlestown Navy Yard (home to the U.S.S. Constitution, aka “Old Ironsides”) and Bunker Hill. Both are worth a visit for history buffs and the area around Bunker Hill has a number of quaint streets.
Boston Duck Tours
the “conDUCKtor” lets the youngsters sit up front and spend a few minutes steering the amphibious vehicle. This “duck’s-eye view” of the city includes include a humorous yet informative narration pointing out Boston facts, along with an ample amount of its fables and legends (for the land part of the tour, we rolled by The Beantown Pub, which is across the street from the Granary Burying Ground, final resting place for Paul Revere, John Hancock and other notable patriots, the Old State House, Faneuil Hall, through Government Center and over toward the north side of Beacon Hill). The transition from land to water is the most exciting part as we splash down in the Charles River and float past landmarks like the Hatch Shell while we enjoy skyline views of Boston and Cambridge.
BOSTON HARBOR CRUISES Stroll down to the waterfront and climb on board a boat to feel the ocean breeze, taste the salty air, and enjoy the city’s spectacular skyline. Boston Harbor Cruises (BHC) offers a full roster of sightseeing tours on a double-decker passenger ferry. From April through November, the USS Constitution Cruise gives passengers the chance to get off the boat and explore
Boston Harbor Cruises JANUARY 2016
From May to early September, other options include longer sightseeing cruises, sunset cruises and brunch cruises. Longer cruises might head further out to the Harbor Islands, including a view of the historic Boston Light. Cruise during the day for best expansive views, set sail in the evening for a spectacular sunset; or opt for a night tour cool cocktails and city lights.
WHERE TO STAY We couldn’t have picked a better “home base” than The Langham, Boston (www.langhamhotels. com). Housed in Boston’s former Federal Reserve Bank building (which originally opened in 1922), this AAA four-diamond hotel is a national architectural landmark that fashionably blends history with a contemporary style featuring “classic interiors with hints of its 1920s Renaissance Revival heritage” (more on this later). Known as the “Cradle of Liberty,” the city of Boston played a crucial role in the story of America. Dozens of historic Boston Attractions and
DAY TRIPPING IN NEARBY NEWPORT, RHODE ISLAND
The Langham, Boston
One of the country’s oldest cities, Newport was founded in 1639 and transformed into a major port city in the 18th century. The picturesque city of around 25,000 residents once served as the “Summer White House” for Presidents Eisenhower and Kennedy. Known for its stately historic mansions, waterfront shops and dining, Newport made for a wonderful day trip (www.discovernewport.org is a great resource to find attractions, recreation, dining, etc.).
structures have been preserved and maintained so that visitors can experience both colonial and contemporary Boston.
The Langham, Boston
The same could be said of The Langham, Boston. Its location in the heart of downtown made it super convenient to access virtually every destination on our sightseeing “wish list” – from the waterfront and historic sites to iconic attractions like Faneuil Hall Marketplace and Boston’s North End (aka “Little Italy). The property features 318 classically styled rooms and suites characterized by pale cream and gold interiors complemented by upholstered sofas and dark wood furnishings. Each room offers dramatic and expansive views of downtown Boston including historic Norman B. Leventhal Park at Post Office Square, the bustling Financial District and the city skyline. The service was nothing short of spectacular from start to finish – from the warm welcome at check-in to the friendly (daily) assistance of the hotel’s knowledgeable concierge. The hotel’s signature “Blissful” beds were just as advertised and the in-room amenities and thoughtful modern conveniences made this a particularly relaxing, pampering retreat and a quiet escape in the bustling city.
DINING OUT During our stay, we sampled many great “eats” – from casual farmer’s market fare to more formal dining – but two establishments are worth a special mention: Salvatore’s in Boston’s Theater District (www.salvatoresrestaurants. com) and Pier 6 (www.pier6boston) in the Charlestown Navy Yard. Pier 6 is a three-story eatery perched on the pier it’s named for and boasts windows overlooking the city skyline and water below, but the rooftop JANUARY 2016
The Vanderbilts and Astors have been gone for decades, but the town that was once the quintessential summer playground of the uber-wealthy continues to draw tourists of all ages and life stages to its dramatic seaside attractions. Located along Newport’s eastern shore, “Cliff Walk” is world famous as a public access walk that combines the natural beauty of the New England rocky shoreline with the architectural history of Newport’s Gilded Age. If you’d prefer to experience the opulence of the 10 colossally beautiful homes that make up the historic Newport Mansions from the inside, The Preservation Society of Newport County offers guided and self-guided tours (visit www.newportmansions.org for operating schedule). Visitors can either follow a tour guide or pace themselves with an audio tour where you can listen to detailed personal accounts of the residents and servants. If you only have time to tour one, The Breakers mansion is the crown jewel of Newport Rhode Island mansions and is the most popular attraction in the entire state with 300,000 visitors
deck was the place to be. We sat down to dinner about a half an hour before sunset to take in the spectacular views of the harbor and downtown Boston by day and dusk – that coupled with the great atmosphere, attentive service and great seafood made our dining experience one to remember.
annually. Designed by Richard Morris Hunt for Cornelius Vanderbilt II, President and Chairman of the New York Central Railroad, The Breakers is a 13-acre estate overlooking the Atlantic. Decorated with both French and Italian fashions, the mansion has 70 rooms (33 for the help) and the Great Hall has 45-foot high ceilings. Open daily yearround except for Thanksgiving and Christmas Day, Cornelius Vanderbilt II’s great-grandchildren still live on the third floor of the mansion (closed to visitors) during the summer.
We started with a dozen delicious oysters on the half shell – Wellfleet from Cape Cod and Freeland Creek from Canada. Popular small plates range from an Antipasto Board which arrives as an assortment of Italian cured meats and cheese, olives and dark rye and the herbed Feta Salvatore’s dip, sundried tomato and basil hummus, vegetables and warm pita to the Rhode Island-style calamari accompanied by spicy aioli and the grilled octopus paired with fingerling potatoes and charred scallion vinaigrette. For the main course, we went with the Grilled Half Chicken with rosemary potatoes, kale and black trumpet cream sauce and the signature Pier 6 Burger – cooked to perfection and topped with Vermont cheddar and bacon. Situated directly between the Opera House and Paramount Theater, Salvatore’s served up casual, classic Italian dishes with an international twist. The cuisine, which incorporates seasonal flavors and emerging food trends, is defined by an ever-changing menu – from popular pastas and scrumptious salads. Our table sampled a bit of everything – I opted for the grilled salmon salad which arrived with chopped mixed greens, gorgonzola, grilled asparagus and red onion while my husband chose the Saltimbocca, a delicious entrée of all-natural chicken, prosciutto, provolone, white wine sage sauce and accompanied by seasonal vegetables. Pier 6
Newport Harbor is one of the most historic, exciting and beautiful harbors in New England and a harbor tour or late afternoon Smugglers Cocktail Cruise on Rum Runner II is a great way to “relive the speed and thrill of the chase of the smuggler boats from the days of Prohibition.” Classic Cruises of Newport (cruisenewport.com) restored Elco Motor yacht cruises through local waters by Newport mansions and former speakeasies that were fueled by seaborne smugglers back in the 1920s and 30s.
GHOST TOURS OF NEWPORT For something different, the “Olde Town Ghost Walk” is one of two tours offered nightly by Ghost Tours of Newport (ghostsofnewport.com). Take a lantern-led guided evening stroll down historic Newport’s shadowy lanes and discover the ghosts, ghouls, and legends of this haunted city by the sea. Who haunts George Washington’s Revolutionary War headquarters? Was Lizzie Borden acting on her own accord... or just following in her family footsteps? Why do people continue to hear a mysterious drum beat as they walk the bricks of Blood Alley? What are the strange winged skulls crowning the tombstones of New England’s dead? Tours depart nightly, rain or shine, from Fathom’s restaurant at the Newport Marriott hotel, 25 America’s Cup Avenue.
January Events Guide
Dining & Entertainment JANUARY 1
New Year’s Day Brunch 10 am-2 pm. The Ritz-Carlton, Laguna Niguel. $80 per person, $40 for children.
River Dance The international Irish dance phenomenon is back by popular demand in RIVERDANCE—The 20th Anniversary World Tour. Drawing on Irish traditions, the combined talents of the performers propel Irish dancing and music into the present day, capturing the imagination of audiences across all ages and cultures in an innovative and exciting blend of dance, music and song. Ticket Services: (714) 556-2787 Segerstrom Center for the Arts 600 Town Center Drive, Costa Mesa.
$22 at the door (includes valet parking). www.lagunabeachlive.org San Juan Capistrano Farmers Market Each Wednesday, residents and visitors can enjoy purchasing fresh flowers, produce, and specialty foods at the San Juan Capistrano Farmers’ Market. The market features up to 30 vendors and is held at Yorba Street and Camino Capistrano right in the heart of downtown San Juan Capistrano. 3-7pm
First Thursdays Art Walk Laguna Beach The art season in Laguna Beach flourishes year round with First Thursdays Art Walk. This educational monthly art event, held on the first Thursday of every month from 6 – 9pm, celebrates the diverse cultural art scene of Laguna Beach and is free to the public. PCH Laguna Beach.
Winter Fest at OC Fair and Events Center Enjoy winter in the OC with ice skating, holiday film viewings, ice tubing, nightly snowfall, Christmas tree lighting celebration and more festive entertainment and family-friendly activities. Admission: $10$50. 88 Fair Drive, Costa Mesa
Lin Plays Mozart Renée and Henry Segerstrom Concert Hall, 615 Town Center Dr, Costa Mesa. Mozart’s Violin Concerto No. 4, the “Haffner” Symphony and more. Tickets from $25. 3pm.
Laguna Beach Live! Jazz Wednesdays at The Ranch at Laguna Beach. Enjoy top jazz musicians while The Ranch provides food and beverages in the patio overlooking Ben Brown’s Golf Course in Aliso Creek Canyon. Tickets: $17 in advance,
Irvine Farmers Market Affiliated with California Federation of Certified Farmers’ Markets. The certified farmers market concept is an effort to re-establish the traditional link between farmers and consumers in California. Irvine Kaiser Permanente CFM . 6670 Alton Parkway, Irvine. 9 AM - 1 PM
Casa Wellness Wednesdays Casa Yoga Casa Romantica Cultural Center and Gardens, 415 Avenida Granada, San Clemente. Tickets $5 general admission.
Dilijan Chamber Players with Armen GuzelimianIn In its Center debut, Los Angeles’ Dilijan Chamber Players offers an exciting program of Russian music from the 19th and early 20th centuries. Of particular note, in a Center premiere, is the Piano Quintet in G minor, Op. 30 by composer and concert pianist Sergei Taneyev, a close associate of Tchaikovsky and teacher of Rachmaninov and Scriabin. Though rarely performed, the Taneyev quintet is a marvelous work by a composer acclaimed for his mastery of counterpoint. Ticket Services: (714) 556-2787 Segerstrom Center for the Arts 600 Town Center Drive, Costa Mesa.
Taco Tuesday Ricardo’s Place Mexican Restaurant 32082 Camino Capistrano San Juan Capistrano. 11am-9pm (every Tuesday).
Dana Point Farmers Market Each Saturday, California farmers bring fresh produce to sell at the Dana Point Farmers Market from 9:00am to 1:00pm. The Dana Point Farmers Market is located in La Plaza Park on Pacific Coast Highway near the Clock Tower. The first Saturday of each month features a Craft Fair that runs until 3:00pm. JANUARY 2016
“Spirit in the Sky” Featuring Fine Art Photographer Jana Cruder December 28, 2015 - January 28, 2016 JoAnne Artman Gallery. 326 N. Coast Hwy, Laguna Beach, CA 92651. From: 11:00 AM to 5:00 PM (Recurring daily)
The Passion of Joan of Arc Silent Film & Medieval Sound by The Orlando Consort One of Britain’s leading Medieval and Renaissance vocal ensembles, The Orlando Consort creates a stunning live
JANUARY - ARTS & ENTERTAINMENT soundtrack to Carl Theodor Dreyer’s monumental 1928 silent film biography of the saint and martyr. Ticket Services: (714) 556-2787 Segerstrom Center for the Arts 600 Town Center Drive, Costa Mesa.
San Clemente Farmers Market Bundles of flowers, fresh produce and much more every Sunday on Avenida Del Mar. Rain or shine. 9 a.m.–1 p.m.
of artists and locations so you can begin your self-guided tour. 6-9pm. Main Street & The Strand 315 3rd Street, Suite E. Huntington Beach
Casa Comedy—Upright Citizens Brigade. Casa Romantica Cultural Center and Gardens, 415 Avenida Granada, San Clemente. LA-based improv comedy troupe. Tickets $25 general admission.
The Anaheim Indoor Marketplace Orange County’s Largest Indoor Swapmeet – 200 stores with unique items to choose from, live entertainment every Friday, Saturday, and Sunday. There is a large food court with numerous delicious plates to choose from.
Seal Beach Farmers Market This small Tuesday market is convenient for nearby Leisure World residents. Around 15 vendors that and include many familiar to other Orange County farmers markets. Seal Beach Village, 13960 Seal Beach Blvd., Seal Beach. 9 am - 1 pm
Sacred Music for Sacred Times: Toshi Reagon & BIGLovely Toshi Reagon and her all-star band BIGLovely are a joyful celebration of all that’s dynamic, progressive and uplifting in American music. This versatile singersongwriter-guitarist, who has been described as a combination of Sly and the Family Stone, Joni Mitchell, Led Zeppelin and an entire gospel choir, has moved audiences with her big-hearted, holdnothing-back approach to rock, blues, R&B, country, folk, spirituals and funk. Ticket Services: (714) 556-2787 Segerstrom Center for the Arts 600 Town Center Drive, Costa Mesa.
Wine Wednesdays 50% Off Bottles of Wine at Tannins Restaurant & Wine Bar. 27211 Ortega Hwy, San Juan Capistrano. 6-9pm.
HB DOWNTOWN ART WALK The Huntington Beach Downtown Art Walk is held on the 3rd Thursday of each month from March to October held from 6-9pm. Between 35 - 50 artists fill the sidewalks on Main Street between PCH and the Art Center and also on The Strand. Check in at the HB International Surfing Museum Parking Lot for a map
Martha Redbone Roots Project: Martha Redbone The powerful blues and soul singer explores traditional and modern variations of folk, roots, blues, tribal, and soul. Singer-songwriter Redbone is joined by an all-star band in an epic concert that spans generations and a breadth of music genres, revealing a great American story that has remained untold until now. Ticket Services: (714) 556-2787 Segerstrom Center for the Arts 600 Town Center Drive, Costa Mesa.
Laguna Niguel/ Aliso Viejo Farmers Market Local honey, lots of fruit, and a vast array of Asian and Western greens are among the draws. Many prepared foods, but no crafts and/or other non-food items. 9am1pm. 27068 La Paz Road, Aliso Viejo.
JANUARY 25 JANUARY 20
Casa Classic Ramon Negron Baroque String Ensemble. Casa Romantica Cultural Center and Gardens, 415 Avenida Granada, San Clemente. Tickets $25 general admission.
and regional artisans are featured. Noon6 p.m. Capo Beach Church, 25975 Domingo Ave.
Happy Hour at Brio Tuscany Grill Half Price Appetizers and Wine. 24050 Camino Del Avion, Dana Point. 3:306:30pm.
Surf City Nights is a Weekly Street Fair and Certified Farmers Market Every Tuesday from 5 pm to 9 pm, 90 vendors presents unique handcrafted wares: furniture, jewelry, art, clothing, live music, street performers, community groups and kids’ activities.
Capo Beach Farmers Market Visit the area’s latest weekly market where locally-grown, organic produce
Saturday Sunrise Car Cruisers Billed as the Best Free Car Show in the world, this Saturday morning event has been a tradition for more than 20 years. Each Saturday, classic auto owners known as the Donut Derelicts meet in the parking lot on the corner of Magnolia and Adams near Adams Avenue Donuts to share stories and admire their classic beauties. 6:00 AM - 9:00 AM. Adams Ave Donuts 9015 Adams Avenue, Huntington Beach. Concert Series at The Cliff Restaurant 577 South Coast Hwy, Laguna Beach. 7-10pm. Free
San Clemente Farmers Market Bundles of flowers, fresh produce and much more every Sunday on Avenida Del Mar. Rain or shine. 9 a.m.–1 p.m.
Have an event to showcase? Email email@example.com JANUARY 2016
Discovering New Works! By Beverly Blake and Tom ScoTT
New works are the lifeblood of all forms of entertainment. The excitement of reading a new book by a favorite author is exceeded only by discovering a great author whose work has been yet unknown.
he same is true in theatre and film. Most of us are quite familiar with the tried and true playwrights...Shakespeare, Neil Simon, Arthur Miller...and yet at one time their work was unknown.
Playwriting festivals create a unique opportunity for new playwrights to show off their talent. Ten minute playwriting festivals are a special genre. They give the playwright a chance to create a full play including a beginning, a middle, character development and an ending with a twist that’s performed in ten minutes.
garnered from submissions all over the English speaking world. In addition to the seven produced plays the audience for each performance is treated to a reader’s theatre production of an honorable mention play. This procedure lets Camino Real Playhouse honor 14 new playwrights each year. The fun part is that the audience votes for their favorites. The winners are announced at the final performance and the top three playwrights are awarded a monetary prize. For the audience this is an exciting opportunity to see new works at their freshest. You will be seeing works from established and new playwrights for an interesting theatrical mix.
ShowOff! at Camino Real Playhouse is a juried presentation of seven ten-minute plays
2015 - 2016 SEASON
ShowOff! opens on January 15th for a two weekend run.
The Peking Acrobats 30th Anniversary North American Tour & Year of the Monkey Celebration
Sundays at Soka with Pacific Symphony | Benjamin Smolen & Grace Browning The all Mozart program features Mozart’s Concerto for Flute and Harp and Symphony No. 40
Don Menza Quartet Formerly of Johnny Carson’s Tonight Show Band, Menza has a dynamic sound and style
St. Louis Symphony | David Robertson, Musical Director Seven-time Grammy-winning orchestra. Program includes John Adams: Saxophone Concerto (2013) Mahler: Symphony No. 5
1 University Drive Aliso Viejo, CA 92656 949.480.4278
firstname.lastname@example.org | www.performingarts.soka.edu JANUARY 2016
Happy Hour Daily!
Classes around OC:
Arts & Crafts, Entertainment, Fitness and More! Community & Susi Q Center
Restorative Yoga with Roz – Tues 7 pm- 8 pm Cardio Hip Hop Wed 6:45 pm- 7:45 pm
*Yoga/Mat-Pilates – Fri 1:30 pm - 2:45 pm *Bead Weaving Class Fri 10 am - 11:50 am
*Gentle Yoga Class Wed 11:30 am-1 pm *Int./Adv. Watercolor Thu 1 pm - 4 pm *Yoga Fitness Mon 9 am - 10 am
Laguna Woods Village Community Center
Lakeview Senior Center Woodbridge Community Park
PC Computer Workshop - Mon 10 am- 4 pm & Sat 10 am- 1pm Table Tennis (Novice) Th 9 am-10 am Table Tennis (Intermediate) Tues 1 pm-2 pm Table Tennis Robot Lessons Mon 2 pm- 3 pm
*Intermediate Chair Exercises Fri 9 am – 10 am *Intermediate Chair Exercises Mon 9 am -10 am *Beginning Chair Exercises Tues 9:30 am -10:30 am *Beginning Chair Exercises, Weds 9 am-10 am *Country Line Dance Mon 10:30 am - 11:50 am *Country Line Dance Thu 9 am-10:20 am *Country Line Dance Fri 10:30 am - 11:50 am *Creative Writing Weds 1 pm - 3:50 pm *Piano- Beginning Mon 11 am – 2 pm *Piano- Intermediate Mon 2 pm-5 pm *Watercolor Painting (Beginning) - Fri 9 am- 12 pm
380 Third Street Laguna Beach (949) 497-2441
Florence Sylvester Memorial Senior Center 23721 Moulton Parkway Laguna Hills (949) 380-0155 *Bead Weaving – 10 am - 11:50 am
Norman P. Murray Community and Senior Center 24932 Veterans Way Mission Viejo (949) 470-3062
Park Walks Mon-Wed Fri at 8 am Outdoor Tai Chi (Basic Beginning) - Mon 9 am Croquet competition Tues 9 am Playground with Grandkids Weds 9 am Lawn Bocce Ball - Thurs 10 am Singles Evening Stroll Fri 6 pm
Bell Tower Community Center 22232 El Paseo Rancho Santa Margarita (949) 216-9700 Zumba with Tania Mon 7 pm – 8 pm Zumba with Tania – Wed 7 pm – 8 pm AM Yoga with Roz Mon 8:30 am - 9:30 am AM Yoga with Roz Fri 8:30 am - 9:30 am PM Yoga with Roz Tues 6 pm- 7 pm
24351 El Toro Rd Laguna Woods (949) 597-4267
20 Lake Road Irvine (949) 724-6900
Leisure World Community Services 24351 El Toro Rd Laguna Woods (949) 597-4659
Fitness Center - Mon, Weds and Fri from 6 am – 5 pm Tues and Thu from 6 am – 7 pm Sat from 6 am – 2 pm
City of Lake Forest Senior Center 25550 Commercentre Drive Lake Forest (949) 855-9444
Anaheim Senior Center
B-I-N-G-O - Th 10 am-2 pm Foot Peddlers Walking Club Mon 10:30 am Senior Bowling League at Forest Lanes Fri 1 pm- 3:30 pm
Rancho Senior Center 3 Ethel Coplen Way Irvine (949) 724-6800
* Aerobic Strength And Pilates - Tues 2:30 pm - 3:45 pm * Aerobic Strength And Pilates - Th 12 pm-1:15 pm JANUARY 2016
Tone Chime Choir Wed 12 noon Dapper Tappers - Fri 10:00 am Genealogy (Intermediate) - Last Monday of each month 3 pm Hatha Yoga - Tues 10 am Line Dance Tues 9 am & Wed 8:45 am Physical Fitness Tues 2 pm & Thu 9 am Spanish (Beginning) Tues 8:30 am Spanish (Beg & Inter) 9 am & 10 am Tai Chi - Mon 9 am Watercolors - Mon 11 am Friendship Luncheon - 2nd Tues of each month 12 noon Membership Luncheon last Sat 12:00 noon Membership Office Tues & Thu 9 am – 3 pm Movie Day - 1st Weds of each month at 1 pm Pinochle Sun 12 pm & Tues 5 pm Pool Room - Mon – Thu 9 am to 4:45 pm, Fri 11 am to 4:45 pm & Sat 11 am to 3:45 pm Senior Lounge - Mon – Fri 9 am to 4:55 pm & Sat 11 am to 4 pm Table Tennis Open Play – Thu 9 am – 5 pm Volleyball Mon 7:45 pm & Wed 8:30 am
250 E. Center St Anaheim (714) 765-4510
Orange Senior Center
Billiards - Mon – Thu 9 am - 4:45 pm, Fri 11 am – 4:45 pm & Sat 9 am – 3:45 pm Bingo – Thu 1 pm & Sat 12 noon Bobble Ball Practice - Fri 9 am Bridge Duplicate Sun 1 pm & Wed 12:30 pm Bridge Open - Wed 9 am Bridge Party - Tue 12 noon Bunco - 4th Fri 1 pm Canasta - Mon & Fri 1 pm Crocheting - Tues 8 am Dominoes - Fri 5:30 pm Balance & Mobility Tues & Thu 12:30 pm
Bingo - Daily at 9:15 am (except on party days) Live Entertainment - Mon, Th and Fri 10:30 am – 11:30 am. Bridge Mon, Tues and Wed at 1 pm. Chess - Tues 1 pm. Scrabble - Thu 1 pm. Backgammon - Thu 1 pm. Bible Sharing - Thu 10 am. Stamp Club - Weds 9 am. Computer Workshop - Fri 9 am.
170 S. Olive St. Orange (714) 538-9633
* Registration Required
Take Charge of Your Retirement Martin J. Lombrano, AIF®, LPL Financial Advisor 800-731-3623
• Defined Contributions Plans
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Martin J. Lombrano, AIF®, is a LPL Financial Advisor and PERSONAL FINANCIAL PLANNER(tm) (PFP) with over 20 years of experience in the financial planning field. Martin has served as the owner and president of his own financial planning firm in Irvine. In 2007, he joined Pence Wealth Management and LPL Financial. Martin has extensive experience in insurance, charitable giving, asset management, retirement planning, as well as growth and preservation of retirement assets. Martin has been honored numerous times as a top advisor within the independent brokerage and advisory community. He believes listening, trust, persistency and service are the foundation of lasting relationships and success. CA Insurance Lic # 0828215.
Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 1⁄2 are subject to a 10% IRS penalty tax and surrender charges may apply. LPL Financial Representatives offer access to Trust Services through the Private Trust Company N.A., an affiliate of LPL Financial. Co-Sponsored by Lincoln Financial.
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Published on Jan 4, 2016