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A SoCal Senior Publication



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July 2015


Dr. Ivar Roth’s practice features an exclusive, revolutionary laser treatment for a common foot problem


Contents 5 Editor’s Note 8 Sibling Rivalry Rears Ugly Head After Death 12 COVER STORY

Concierge Podiatry

Dr. Ivar Roth’s practice an exclusive, revolutionary laser treatment for toenail fungus

10 What Is a Stretch IRA? 14 What You Need To Know About Women’s Bladder Control 16 Reverse Mortgage Update Q & A with Howard Platte, Golden Empire Mortgage 20 Will You Run Out of Money? 22 LTC 101: Understanding Long-Term Care and How to Pay for It 24 Understanding Sleep Apnea 26 The 6 Reasons We Hear Better with Two Ears

18 Travel Can Be Tough on Your Legs

30 Devices That Can Turn Senior Tech Stress into Tech Success 34 Navigating Type 2 Diabetes 38 July - Arts & Entertainment 39 Quoth What?

28 Taking The Stress Out of Downsizing

32 Mission Viejo Wigs: Where Customers are “Family” JULY 2015 4 SORBET MAGAZINE

41 Festival of Arts Exhibit Opens at Ritz Carlton, Laguna Niguel 46 Classes around OC

Editor’s Note Thank you for taking the time to peruse the pages of our inaugural issue! The mission of each monthly edition is to serve as a resource for our readership - features penned by experts in their respective industries designed to provide education, information and entertainment focused on the interests of mature adults in Orange County. Why “Sorbet” you ask? Our editorial team considered a number of options with the goal of finding a moniker that would communicate “light, active, fun” to an ever-growing younger population of 55+ adults. Sorbet is a fruit-flavored ice served between courses as a palate cleanser. We thought the name was particularly apropos for our audience – individuals poised to embark on the main “course” of their

lives and all of the wonderful activities, accomplishment, entertainment and endeavors to come. We will strive to continually improve the depth and breadth of our editorial content. If you have a topic you’d like to see addressed or would like to share feedback or thoughts on any aspect of Sorbet, I encourage you to call or email me directly. We hope you enjoy reading this – and every – issue! Jody Robinson Editor

Sorbet is produced by Community Publications, LLC., publishers of:

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Or subscribe online: Community Publications, LLC. P.O. Box 73188 San Clemente, CA 92673 JULY 2015 5 SORBET MAGAZINE

TESTIMONIALS “Our firm is pleased to be a contributor to the inaugural issue of Sorbet which will no doubt be a beneficial resource to the senior community. We have been in several other publications the Sorbert’s editor has created and they have always been a pleasure to read (Orange Magazine, HB Magazine, Newport Mesa Magazine, South County Magazine, Marmalade Magazine). As estate planning attorneys and fiduciaries, we serve the senior community and look forward to meeting many of Sorbet’s readers.” - Elaine Watrous, 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

A SoCal Senior Publication

JULY 2015 PUBLISHER Community Publications, LLC. EDITOR Jody Robinson (714) 596-6611 ASSISTANT EDITOR Sara Watt

“When I was asked if I wanted to be included in Community Publications new magazine 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.    “As an Orange County real estate professional who specializes in the senior market, I am always looking for new and better avenues to reach new clients. With attractive design, interesting articles, and information pertinent to seniors, Sorbet is the definitive periodical for the growing senior market. Not only will it assist me in expanding my real estate business, Sorbet will also be a valuable resource to the expanding 55+ population in

the OC.” - 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 JULY 2015 6 SORBET MAGAZINE

ADVERTISING INQUIRIES (714) 469-3495 ACCOUNT EXECUTIVES Marlo Andersen Anthony Arcurio Eric Bergstrom Kim Roberson CONTRIBUTING WRITERS Bruce Ballantine Ken Earwood Howard Platte Robert Pugach, MD Livia De Los Rios Randy Rose C. Lawrence “Larry” Thomas Elaine Watrous Scott E. West, DDS CONTRIBUTING PHOTOGRAPHY Lana Farfan, Caught in the Moment Photography

Community Publications, LLC. P.O. Box 73188 San Clemente, CA 92673


Sibling Rivalry Rears Ugly Head After Death by Elaine M. Watrous, CLPF

Whoever said two things in life are certain - Death and Taxes – should have added a third one to that list: Sibling Rivalry. Unless you subscribe to the old Chinese rule of only one child, chances are you have experienced the ugliness of sibling rivalry in your own family.


e expect to see this undesirable behavior during childhood but we certainly don’t expect grown adults to exhibit this immaturity after the death of one or both of their parents when they should be pulling together & cooperating with each other. Raising competitive kids in America unknowingly helps breed contempt when parents who want the best for their children enlist them in various sports, classes, and lessons designed to bring certain skills and accolades to their child. As praises are brought forth in everyday conversations by parents, these forms of flattery are often seen by the child who is not getting the attention as an eyeball-rolling event. Parents will try to even out the score by praising the other child at some point in the future only to add another opportunity for eyes to roll or punches to throw. These times certainly are not unnoticed by either child and adding a third child to the mix only helps pit the “two against one” mentality throughout all of eternity. What is heartbreaking is that we see some form of sibling rivalry every day at our law firm. It occurs when one of the adult children prompts a consultation with the attorney to redo their parent’s trust documents. It even occurs when mom or dad brings all of their children in an effort not to play favorites. The first hint of discord comes when we ask the “kids” to leave the room as they whisper something in our ears that we should know about mom or dad. Family discord also occurs after mom or dad passes away when two or more siblings disagree on how their assets should be treated. As each one excuses themselves to make a phone call or take a bathroom break, we get the Campbell’s Soup condensed version of why the other sibling isn’t fit for service. Even though the trust documents and California law leave a blueprint of instructions for those who are put in positions of trust, many adult children

Wise parents who want to avoid post-death shenanigans or mistakes by their adult children should consider listing a private professional fiduciary in their trust documents.

seem to think they can still call the shots and do things as they’ve always done in the past, putting their vulnerable siblings at risk. It is challenging to ask a trustee to think and act like a trustee, not just like a beneficiary, if they happen to be one and the same. Mistakes made by the trustee-beneficiary often require untangling by the attorney’s office which would have not been necessary if mom and dad had named a trained trustee who knew what to do. Wise parents who want to avoid post-death shenanigans or mistakes by their adult children should consider listing a private professional fiduciary in their trust documents. A private professional fiduciary is well-trained in what needs to be done, can accomplish the necessary tasks in a timely and cost-effective manner, and can even save your estate money in the long run. With your attorney’s help and that of a private fiduciary, you can be sure that your final wishes will be honored and your children will avoid the all-toooften emotionally charged conflicts that tears families apart. Elaine Watrous is a licensed, professional fiduciary at the Law Offices of Donald A. Hunsberger. For more information, she can be reached at (714) 663-8000



What Is a

Stretch IRA? By Ken Earwood

The Investment Company Institute reports that there is roughly $6.5 trillion in Individual Retirement Accounts (IRA). To help put that in perspective, that’s well over one-third the annual gross domestic product of the U.S.


f you have a traditional IRA, you may have the opportunity to stretch it out, meaning the account may be structured to extend its tax-deferred status across multiple generations.3 With a traditional IRA, the account holder must begin taking required minimum distributions (RMD) by April 1 of the year after he or she turns 70½. These payments are based on the IRS’ tables for life expectancy. To calculate an RMD, divide the account balance by the account holder’s anticipated lifespan.

CASE STUDY Let’s assume, for example, a 73-year-old has an IRA with a balance of $250,000. According to the Internal Revenue Service’s 2014 lifespan table, the person’s life expectancy is 14.8 years, so the RMD is: $250,000 ÷ 14.8 = $16,891.89 At that rate, it may take several years to deplete the account — in some cases, longer than the account owner is likely to be alive. So what are your options?

the inherited IRA must begin taking RMDs based on his or her life expectancy. (See illustration.) This gives the money in the inherited IRA a longer time to remain tax Fast Fact deferred. Keep in mind, however, that there is no guarantee that the person who inherited the IRA will continue the tax-deferred treatment of the account.

HOW ABOUT A ROTH IRA? Stretching a Roth IRA follows similar rules to a traditional IRA. But remember, a Roth IRA does not require any

Stretching an IRA can be a powerful strategy. But it’s critical to understand the limitations and benefits before following the approach.

First, you can name your spouse as beneficiary of the traditional IRA, and he or she can roll the balance into a new account. If your spouse is over age 70½ when you die, he or she must begin taking RMDs based on his or her life expectancy. When your spouse dies, the second-generation beneficiary may transfer the balance into an inherited IRA. Then, the owner of JULY 2015 10 SORBET MAGAZINE

RMDs. If you name your spouse as a beneficiary, he or she can roll the balance into a new Roth account. Since it remains a Roth IRA, your spouse is not required to take RMDs either. When your spouse passes, the beneficiary must begin taking distributions. The distributions will be tax-free since it’s a Roth IRA. Stretching an IRA can be a powerful strategy. But it’s critical to understand the limitations and benefits before following the approach.

HOW DOES IT WORK? A single father, age 55, rolls over $250,000 from his employer’s retirement plan into a traditional

IRA and names his son, age 25, as beneficiary. At age 70½, the account owner starts taking RMDs. When he dies at age 80, his son moves the assets into an inherited IRA and starts taking RMDs based his life expectancy. By the time it’s exhausted, the IRA will have lasted 85 years and paid out over $2 million in benefits — all from a $250,000 rollover. This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments. Past performance does not guarantee future results. Actual results will vary.

Ken Earwood is a professional financial advisor with more than 20 years of experience serving clients in the financial service industry. CA Lic. #: OC44710. He can be reached at 16531 Bolsa Chica St. Ste. 250 in Huntington Beach, CA 92649. or call (714) 840-9283, ext. 2. Securities offered through Parkland Securities, LLC. Member FINRA/SIPC.

Investment Company Institute, 2014; As of December 31, 2013 U.S. Bureau of Economic Analysis, 2014 Contributions to a traditional IRA may be fully or partially deductible, depending on your individual circumstance. Distributions from traditional IRA and most other employer–sponsored retirement plans are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. Generally, once you reach age 70½, you must begin taking required minimum distributions. To qualify for the tax-free and penalty– free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and occur after age 59½. Taxfree and penalty-free withdrawal also can be taken under certain other circumstances, such as a result of the owner’s death. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG, LLC, to provide information on a topic that may be of interest. FMG, LLC, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale.

• Traditional Purchase Financing • Traditional Refinance Financing • Reverse Mortgage Financing • Reverse Mortgage Purchase Financing • Financing Recently Inherited Property

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Trusted by California Homeowners for all of their mortgage financing needs since 1975. JULY 2015 11 SORBET MAGAZINE

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


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. If 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. 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. 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. 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.” 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.” “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.” Another of Dr. Roth’s patients, Jay Hosey, agrees with Garcia and Gojkov and adds that his “pretty severe case of toenail fungus” started out as athlete’s foot as a teenager. “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.”


ď ° Toe (Before)

ď ° Toe (After)

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.

Sorbet: Is the treatment painful?

Sorbet: What are the symptoms of toenail fungus? 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. Sorbet: 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.

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. Sorbet: How long does the treatment typically take? Ivar Roth, DPM: Depending on the severity, two to four treatments - two to four weeks apart. Sorbet: What is the success rate for laser treatments for toenail fungus? Are the results lasting?

Sorbet: How common is nail fungus?

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.

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.

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.

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.

Sorbet: Can patients walk right away following treatment (i.e. what is the recovery period following treatment)? Ivar Roth, DPM: Patients are able to walk out with no discomfort.

Sorbet: How does the laser treatment work? 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.

Connect with Dr. Roth by calling (949) 650-1147. Concierge Podiatry is located at 351 Hospital Road, Suite 407 in Newport Beach.


 By Robert G. Pugach, MD

Bladder control problems affect 50 million Americans and it is one of the most common health problems that women face.


hile many think that the condition only affects older women, the truth is that women of all ages may have urine leakage (incontinence) or other bladder control problems. There are four main categories of bladder control problems: STRESS INCONTINENCE – leaking urine when you cough, sneeze, laugh or exercise. This occurs when the pelvic and sphincter muscles become weak or the urethra loses its support and moves too much. URGE INCONTINENCE - leaking urine after a sudden and strong urge to urinate. This problem may be caused by nerve damage from diabetes, infection, a stroke, back problems, hormone imbalance or other medical conditions. OVERACTIVE BLADDER – the need to urinate frequently during the day and/or getting up to urinate during the night. With this condition you may also have urge incontinence.

MIXED INCONTINENCE – a combination of stress and urge incontinence. Some of these symptoms can get so bad that some women rarely leave home because of embarrassing leakage. At Pacific Coast Urology’s Bladder Control Center for Women we have helped countless women regain bladder control and return to the activities they love. From new medications to advanced biofeedback exercises, acupuncture (PTNS) to minimally invasive outpatient surgical procedures using a battery (Interstim®), there is an answer for most women that can help. Pacific Coast Urology Medical Center, led by Dr. Robert Pugach, is one of the leading medical practices in the US specializing in the minimally invasive treatment of urological conditions, including procedures to improve and correct bladder control. Connect with Dr. Pugach by calling (888) 735-4336 or visit


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Reverse Mortgage Update Q & A with Howard Platte, Golden Empire Mortgage

The reverse mortgage products offered today have gone through a major makeover of sorts in recent years in the pursuit of consumer protection. The overwhelming majority of the reverse mortgages originated in recent years are the FHA Insured Reverse Mortgage product known as the HECM, an acronym for Home Equity Conversion Mortgage. These are some of the questions I have received recently from clients. Q: I have heard there are some new changes that have to do with qualifying. How does that work? A: Financial Analysis is a relatively new qualifying process that is required for all new reverse mortgage borrowers after April of 2015. The purpose is to determine if the borrower will have the ability to maintain the taxes, insurance and maintenance of the home as well as meeting all of their other financial obligations and household expenses. Q: Why was this Financial Analysis process put in place? A: Before this process was required, anyone with sufficient equity over the age of 62 was eligible for a Reverse Mortgage as long as the property met minimum FHA property standards. This new process will help to add an additional measure of protection. It does so by helping to assure that a senior’s equity is not being wasted irresponsibly by incurring the costs of a reverse mortgage only to be faced with

moving or foreclosure a short time later because they could not afford the other related obligations of homeownership and their other living expenses. One consequence of this new process is that some borrowers who thought this would be available as a financial safety net may find that it is no longer an option because they do not qualify under the new guidelines. Q: My Financial Advisor mentioned putting a Reverse Mortgage in place now even though I don’t need one. Why is that? A: Many Financial Advisers believe that a reverse mortgage has certain features that could provide a measure of financial security and risk avoidance. By allowing a person to access tax free income from a Reverse Mortgage instead of depleting savings or taxable retirement accounts earlier than preferred, other retirement investments are allowed to continue to grow tax free. By putting the Reverse in place now, even if not needed, the loan proceeds are available


and accessible when needed regardless of any new changes that might be made to the reverse Mortgage program in the future. Q: Wouldn’t it cost a lot of unnecessary interest by borrowing money that I do not yet need?

Specialists as well as any other family members to be sure that the financial goals of our clients are achieved. Q: Is it true that a Reverse Mortgage can pay off my present mortgage and provide me with additional monthly income?

A: The money that is available but not yet accessed remains in a line of credit to be used in the future. Interest charges only accrue on the money actually drawn and borrowed. No interest is charged on the funds available but not yet drawn.

A: The proper answer is - it depends. There are specific maximum limits for the amount of funds available for both these purposes. These limits are based on the payoff balance of your present mortgage, the present value of your home and your age.

Q: Wouldn’t there be more money available if I just wait until I am older?

There are many other questions that should be carefully considered by anyone facing this important decision. It needs to be done with an eye towards your personal situation and the individual goals you seek to attain. Whenever possible, it is helpful if that decision can be made with your other trusted advisers included in the conversation.

A: One of the unique features of a Reverse Mortgage line of credit is that the unused portion of the line of credit continues to increase every month that it is not accessed. So by putting it in place before it is needed, the amount available for future use is actually growing each year and may even be higher than would have been available by waiting to obtain it in later years. Q: I would like to meet with my financial adviser to discuss this. Is it possible for you to meet with both of us to discuss this? A: Yes. We work very closely with legal and financial advisers of all types including CPA’s, Certified Financial Planners, Estate Planning Attorneys and Insurance

Howard Platte is a contributing writer and veteran of over 30 years in the mortgage business. He is recognized as an expert on Reverse Mortgage Financing as well as traditional mortgage financing. He can be reached at his offices at Golden Empire Mortgage 714.572.0727.


Travel Can Be Tough on Your Legs Medical compression stockings and socks are a travel essential By Livia De Los Rios


any people travel long distances and have to remain seated for two or three hours or even longer. They might not think much of it, but when movement is constrained, the blood circulation in the legs is restricted. This can contribute to heavy legs, leg pain and swollen feet and ankles. Prolonged sitting is also a major risk factor for the development of phlebitis and Deep-vein Thrombosis (DVT). Deep-vein Thrombosis involves the formation of blood clots (thrombi) in the deep leg veins during prolonged inactivity. In some cases, blood clots can migrate to the lungs resulting in a pulmonary embolism. When seated without moving for a few hours – whether by plane, train or automobile - the risk of DVT could be four times higher and can happen to anyone during travel, regardless of age, weight or lifestyle. JOBST™ medical compression stockings and socks are a simple and comfortable way to help

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avoid heavy, tired and achy legs and the swelling of feet and ankles.

Tips to reducing the discomfort and risks associated with prolonged inactivity:

Unlike the products available at your local drugstore, • Wear comfortable JOBST™ medical compresclothing sion stockings and socks are • Drink plenty of fluids recommended by physicians (avoid alcohol) for their clinically proven gra• Stand up and stretch dient compression benefit. several times during Medical compression prodtravel ucts reduce swelling and • Wear gradient helps prevent the pooling of compression legwear fluid in the venous or lymph systems. The stylish cotton blend dress socks and compression hose available today increase tissue pressure to help balance the flow of fluid across the capillaries of the limb.

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


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Will You Run Out of Money? By Robert Stoddard, II

When was the last time your banker, broker, advisor, CPA, attorney and insurance agent all sat at the same table to discuss ways to lower your taxes, increase your income, protect your nest egg, create an income stream that you cannot outlive, and make sure you have tax free In-Home care for as long as you live, should you need it? The answer is probably never. The Stoddard Group is a true estate-planning firm in Orange County. Our 17 years of first hand experience has found areas of concern that can dramatically affect your family and your finances. • Families having an out of date living trust with inaccurate information & improper deed to home • Families having little idea of how the financial products that they own work and how to use them • Many families products, including life insurance and IRA/401(k) have incorrect or no beneficiaries. And most importantly, they have no written plan from their current advisors to make sure that they can retire and stay retired without running out of money. We believe that a family’s advisor must educate and train their clients to manage their own affairs. Your advisors are just that: “advisors”. Only YOU can really protect your family and future. Our experience has proven to us that you must be fully educated on what you own, how to use them, what the terms and conditions are and the taxable events upon using. This holds true for financial service products as well as legal documents. Example: Billions of dollars are put into the FIVE separate types of annuities each year, as well as Four distinct types of life insurance. And each of the above has a multitude of “riders” or “options” with specialized vocabulary that each company may define differently making comparisons difficult. If you have purchased or are considering a purchase of any type of annuity or life insurance, The Stoddard Group has found that an independent review of the purchase or proposed purchase is in the client’s best interest. Here is a checklist of items to look for and ask for to make sure your Family, Future & Finances are secure: • Have your advisor explain the pros and cons of 4 to 6 different products before you make a purchase (compared side by side in writing)

• Have your advisor show you a written plan for Lifetime Income you cannot outlive • Explore the Tax Free Lifetime Income plans available to see if they are a fit for your family • Have your living trust and all the associated documents reviewed by someone OTHER than the firm that wrote them (example: we conducted a survey in 2014 of 385 Newport Coast residents. Less than 100 of the families we surveyed had correct and complete documents) When it comes to retirement planning, the real unknown is how long we will live. A common myth is only two years of care will be needed. Current studies show an average of six years in-home assisted-living care, then a skilled nursing facility. This currently costs $60,000 to $80,000 a year in Orange County. What will it be 20 years from now? Ask your advisor to show you how to get tax-free in-home care for as long as you live from your IRA or 401(k). Robert Stoddard II is CEO of The Stoddard Group. He can be reached at (949) 218.9036 or


* Get back to your tennis game or yoga, social time with friends and family!

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LTC 101:

Understanding Long-Term Care and How to Pay for It By C. Lawrence “Larry” Thomas

Long-term care (sometimes referred to as LTC) can be confusing and there are lots of misconceptions regarding what it actually is and who pays for it. While it is impossible to cover everything about LTC in these few words, we can get a good start. WHAT IS LONG-TERM CARE (LTC)? Simply put, LTC is services and assistance to an individual who has severe limitations in his/her ability to function independently and will require assistance and care over an extended period of time. Long-term Care is not medical care and is not provided by medical professionals such as nurses and therapists or their assistants. Long-term care is custodial in nature and can be provided at home or in a facility (there are several types) licensed to provide such care. The above term “ability to function independently” is measured by a person’s ability to do the “activities of daily living.” These activities, frequently called ADLs, are eating, bathing, dressing, continence (inability to control one’s bowel or bladder), transferring (getting in or out of a bed or a chair), and toileting. This is a universally accepted list, which is used to determine when a person is qualified to receive LTC coverage benefits. One additional measure of qualification for LTC Coverage benefits is “severe cognitive impairment.” This is defined as an individual needing supervision and/or assistance to protect himself/herself or others because of mental deterioration caused by Alzheimer’s disease or other organic mental diseases.

WHAT DOES LONG-TERM CARE COST? According to the California Department of Health Services, the 2014 average daily private pay rate for a nursing facility in California is $260 per day. Further the average annual increase in this rate for the most recent 5-year period has been 3.2% per year. Other studies indicate that Orange County’s costs are somewhat less that the statewide average (currently in a range of approximately $190 to $220 per day). Generally speaking, less is spent on care delivered at home, depending on the quantity of care needed and how much of the care can be handled by friends and relatives with no “out-of-pocket” costs.

HOW IS LTC PAID FOR? There are typically three ways that LTC is paid for: First, self-funding, the individual spends his or her assets and/ or has financial assistance from children or other relatives and friends. Second, purchased LTC coverage (traditional LTC insurance and California Partnership-certified LTC insurance, or one of the newer, more innovative “hybrid” LTC policies). This transfers all or part of the risk of a person needing long-term care to the insurance carrier. Third, qualify for MediCal LTC benefits by spending down personal assets for LTC services first and when the MediCal level is reached, apply and move into a facility that accepts MediCal reimbursement (MediCal is California’s version of the Federal Medicaid safety-net program). Please note

Long-term care is custodial in nature and can be provided at home or in a facility (there are several types) licensed to provide such care.


that neither Medicare nor private health insurance pay for LTC services.

WHAT ARE THE LTC COVERAGE OPTIONS? Today’s options are far better than they ever have been: First, traditional LTC insurance. This coverage is much like other forms of insurance, the customer pays a premium and, if LTC is needed, a specific list of benefits, limitations, and exclusions apply. Second, California Partnership (State Certified) LTC insurance which is traditional LTC insurance with mandated benefits. This coverage protects certain assets from “spenddown” in order to qualify for MediCal. Third is what is known as “assetbased” or “hybrid” LTC coverage. This is a combination of either Life Insurance and LTC Coverage or an Annuity and LTC Coverage. These options can be paid for with premiums over time, a single investment, trading an obsolete life insurance policy, or using “qualified” money such as within an IRA. The advantage is that the “death benefit” can be used for LTC (much like traditional coverage) but any of it not needed for LTC transfers to beneficiaries upon the passing of the insured. Orange County, California

This is, of course the “tip of the iceberg.” For additional questions, please call. There is never a charge for providing information and consultation.

C. Lawrence “Larry” Thomas began working with long-term care and Medicare programs in the mid-1980s. He is currently associated with Insurance 101 Services to provide long-term care solutions to seniors and those approaching. Larry can be reached at (949) 374-3316 or CA Insurance License # 0C79256.


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Understanding Sleep Apnea By Scott E. West, D.D.S., F.A.G.D. Diplomat of the Academy of Clinical Sleep Disorder Disciplines

Recently in the media there has been a lot of buzz about Sleep Apnea. I would like to clear up some of the mystery surrounding this important medical issue and hopefully leave you with a better understanding as to cause, steps to treatment, and better health. So, let’s review the symptoms of Sleep Apnea. 1. Waking up with a very dry or sore throat 2. Loud snoring 3. Waking with a choking or gasping sensation 4. Sleepiness or lack of energy during the day 5. Sleepiness while driving 6. Morning headaches 7. A restless sleep pattern 8. Forgetfulness, mood changes, and decreased interest in sex Next, what are the medical effects caused by Sleep Apnea? 1. Hypertension 2. Heart Disease 3. Stroke 4. Depression 5.  Diabetes 6. Alzheimer’s Disease 7. Again, forgetfulness, mood changes, and decreased interest in sex 8.  Premature Death

see studies where nearly all Sleep is N-1 and N-2 Sleep, which I call “Junk Sleep.” As with “Junk Food” - no real benefits come from it. If it is found you have Sleep Apnea, your doctor will recommend CPAP therapy. CPAP stands for “Continuous Positive Air Pressure.” It is a mask which fits over the mouth and nose, or nose only. It delivers air at a certain pressure to prevent the collapse of the airway. However, over 50 percent of those patients who know they should wear the mask either can’t wear it or simply won’t. So what can you do to get a better night’s sleep? Find a dentist that has a good background in treating Sleep Apnea patients with “Oral Appliance Therapy (OAT).” OAT is the best alternative to the CPAP. And unlike the CPAP mask, compliance is over 95%.

If you are regularly experiencing any of these symptoms, see your doctor! Let him know how you’re doing and ask about Sleep Apnea. Your physician will most likely suggest a Sleep Study. Here they collect all the data needed for diagnosis and answer some very important questions. The study will determine if you have Sleep Apnea, and if so, how severe (number of events per hour which are closing off your airway). The scale goes, 0-5 events per hour is normal, 5-15 is considered mild, 15-30 moderate, and 30 and above severe. If you are having over 5 events per hour, treatment is recommended.

The following are some pointers for finding the right dentist. Has he worked closely with the Sleep Centers and medical doctors in the community? Is he able to interpret your Sleep Study, analyze your situation, and make an appliance customized to your needs? How many years has he been making Sleep Appliances? Does he work with more than one type of Appliance? And, what is his success rate?

Another key item used for diagnosis are the Stages of Sleep. Ideally it is good to have at least 20% REM Sleep. You may have heard of this, it stands for Rapid Eye Movement. This is the stage of Sleep were dreaming takes place, the mind’s organization of memories, and retention of learning. You also need to have about 20% N-3 Sleep, or what is called “Restorative Sleep.” This is when you get some real rest, at the same time growth hormones are released while your body is repairing itself. I very often

Essentially, treating Sleep Apnea properly will make a huge impact on your life. Don’t wait any longer, call today!

Finally, is he a Medicare provider with a staff knowledgeable in both Medicare and Medical Insurance?

Scott West D.D.S. F.A.G.D. practices in Lake Forest CA. For more info, call (949) 829-6700 or visit


What is a Medicare Insurance “Broker”?


A Medicare Insurance Broker does not work directly for any one company/carrier and therefore can offer a number of different plans. ONE SIZE DOES NOT FIT ALL.

f you have worked with an Agent that didn’t offer to review your medications to verify the plan you are on is the best fit for you, they are probably not a Medicare Insurance Broker.

I’m frequently asked “what do I owe you for your time or how can I compensate you?” The answer is NOTHING. As an independent Agent/Broker, we do get paid from the Insurance Company per enrollment as we are Independent Licensed representatives. We get paid the same regardless of which plan you are enrolled with – completely unbiased. This does not increase the cost of your plan to you in any way. EDUCATION IS KEY! Brokers must get certified with each of the plans every year to be able to confidently and legally show more than one option. This is a true dedication and commitment to the industry. Look for a local Medicare Broker in your area, not an 800# with an out of state telesales staff. Find us in publications like these.

Clients love that we still make House Calls and are local… Here is a typical response after meeting with a new client….

“I never knew that I could have someone like you come to my home, offer various Medicare Plans in the area, do an analysis on my specific medications and keep the doctors I need. Wow, and at no cost! Thank you so much!!”

Denice Merrill

Orange County Local Sales Broker Co-Owner Merrill Insurance Services, Inc. Specializing in Medicare Plan Choices Over 10 Years Experience 949-388-7332- Direct CA LIC# 0D99790


The 6 Reasons We Hear Better with Two Ears

by Randy W. Rose, President - Rose Hearing Aid Centers


ver the years of helping people hear well again, I get this question “Can I just wear one hearing aid” and I always say you can but you lose a lot in the ear you choose not to help. There are those ‘situations” which allows for one hearing aid. One reason is the ear is completely deaf and the other ear is correctible, in which case you could wear just an aid in the correctible ear. However, we sometimes use a Bi-Cross to bring the sound from the bad ear to the correctible ear. This allows the person to feel as though they are can hear with both sides and in many cases gives back the sense of direction. The following are the six reasons we hear better with two ears:

1 WHEN TWO HEARING AIDS ARE WORN VS. ONE, LESS POWER (GAIN) IS NEEDED. When the ears are working together a lower volume setting is needed for comfort. Clearer and efficient Hearing is the experience you will have wearing two hearing aids vs. wearing only one. Sounds that are loud will be more comfortable and the ability to listen and block background noise will lessen your stress level.

2 STEREO LISTENING GIVES DEPTH PERCEPTION. Anyone has enjoyed music in stereo, compared to mono, knows the difference. Mono makes all sounds seem shallow, flat and unnatural. Your brain has the ability to hear in stereo. But, to do so requires that the sounds be delivered by both ears. Not only are the sounds more natural, they can also be understood more clearly.

3 DETECTING SOUND DIRECTION SAVES EMBARRASSMENT AND SAVES LIVES. A listener with one ear is always wondering “Where is that sound coming from?” when someone speaks. The listener has great difficulty determining the direction from which the sounds are coming, unless it is seen. Hearing with two ears provides the ability to determine sound. Binaural listening gives the listener a sense of location and the ability to locate sounds, not only horizontally, but also vertically.

4 KEEPING YOUR EARS “IN SHAPE.” We hear with the brain, the ears are instruments that send signals to the brain. If you have a hearing loss in

both ears, but decide to only wear one instrument in the ear that needs help the most, the ear that is deprived of stimulation might get even lazier. This condition is known as “Auditory Deprivation,” and the only way to combat it is to keep both ears active.

5 TWO EARS HEAR BETTER IN NOISE. Whenever several people are talking at the same time, such as in a restaurant, it becomes difficult to understand the people at the table with you. With one listening ear, a person hears all the voices blending together. Voice discrimination in noise is difficult with two ears and becomes almost impossible with only one ear. New digital hearing instruments “binaurally” will give you the best advantage to hearing in noise.

6 QUALITY OF LIFE THROUGH BETTER SOUND. The majority of hearing instrument users who have worn both binaural and monaural hearing instruments report a significant difference in sound quality. Those people who now use binaural hearing instruments will tell you that “Listening with two aided ears is the only way to fully enjoy the 3D world in which we live.” Randy W. Rose is a hearing instrument specialist and owner of Rose Hearing Aid Centers in Dana Point & Encinatas. Connect with him by calling (949) 388-5703, visit Rose Hearing Aid Center in the Dana Point Harbor at 24981 Dana Point Harbor Dr., Suite E-130 or visit


Taking The Stress Out of Downsizing By Bruce Ballantine

There are a variety of reasons to downsize. We might want a smaller home because we feel our house is too large to maintain. Or the kids have all moved out and we have become empty nesters.



r we need to move into an assisted living facility. Moving out of the home we have lived in for many years is a big, big step.

There are several ways for you to sell items yourself. Put them on eBay, Craigslist or in the local paper. Just be aware this is time consuming and the items may not sell right away. So then what do you do with the item?

Downsizing is very demanding physically, mentally and emotionally. We have to accept that the new home we will be moving into is smaller and, therefore, it is impossible to bring everything we’ve accumulated over the years with us. The most challenging aspect of the move is deciding what to do with all of our stuff.

7. DONATING THINGS There are numerous charities that will take donations. Keep in mind they may not accept certain items. Mattresses and cloth-covered furniture are among the belongings that can be difficult to give away. Books can be troublesome as well. Make a list of your local charities and call them to check on pick up dates and unaccepted items – and remember to get a receipt for taxes!

Here are some helpful tips to make downsizing less stressful and easier to manage.


It is good to find out the layout, with measurements, for the new place in advance so you know how much space you will have. This will help you decide on what will fit and what things you can bring.


In order to stay organized and on task, it is important to keep a list so you remember everything.


When packing, start with rooms that are used the least, as they will likely house items with less emotional attachments (i.e. the attic, garage, bathroom, etc.). Also, when you get to the most used rooms focus on the most used items.


It is a good idea to take pictures of important items that will help with the organizing in the new home. For, example, picture arrangements on a wall or how certain items are stored in cabinets.


Keep Give to family and friends Sell/Donate Throw Away

Do not make a “Maybe” pile! This leads to more deciding and more time on the process. Try to frame the decisions as “yes or no.”

8. GIVING THINGS TO FAMILY This is a great time to offer those “certain items” to family members. No need to wait for a special occasion like a birthday or anniversary.

9. CONSIDER AN ESTATE SALE There are companies that will organize, advertise and run an estate sale from your home. They make their fee off a percentage of the sales receipts. This is a good way to get rid of larger items and make some money. You should hold the sale after the move so only the sellable items are left in the house.

10. CONSIDER USING A PROFESSIONAL There are companies that specialize in moving seniors. They help make the downsizing a lot easier as they can help in organizing and sorting the possessions of the senior. They can go as far as putting everything back in drawers and cabinets, hang pictures and mirrors, even making the beds.

Bruce Ballantine, SRES, CSA is a Realtor Associate with Evergreen Realty. CalBRE #001783833. He can be reached at (949) 632-2923 or


Only the



for Your

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.

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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.



lthough advancements in technology can be frustrating at times, studies show that older adults are beginning to slowly adapt to the digital age. Pew Research reports that 77 percent of adults over 65 owned a cell phone in 2014, but only 18 percent of those are smart phone users. This slow incline to adjust to technology can be partially attributed to the learning curve and adaptation time required to learn new technology as a senior. Technology can be a stressful experience for the senior population, especially with devices that are not user-friendly. Luckily, select technology companies are realizing this challenge for those who aren’t digital natives and are making moves to create more senior, userfriendly devices to remove the frustration factor. A device like grandPad, a tablet for seniors developed by Chapman University computational science students, is an example of how technology can adapt to generational needs and relieve technology stress. grandPad is a touchscreen tablet with simplified user interface that allows senior users to easily stay connected with family.

nancial accounts and monitors any suspicious activity.

2. SAFETY IN ANY LOCATION Emergency response necklaces can feel aging to some. The Lively smartwatch transcends the average response necklace by giving users a sleek tech device that can send medicine reminders, count steps, and can connect to a live operator who will call emergency contacts and, if needed, dispatch emergency services.

3. VOLUME CONTROL No more arguing about television volume. TV Ears can enhance the quality and clarity of television sound. This device improves the frequencies of human speech and decreases background noise to allow

Technological tools like grandPad are tailored for seniors and are on the rise. Here are additional tools that can help bridge the gap between senior tech stress and tech success:

1. FINANCES AND IDENTITY Seniors lose $36.48 billion each year to elder financial abuse. To prevent financial exploitation, seniors and family members can use True Link, an online tool that keeps track of fiJULY 2015 30 SORBET MAGAZINE

TV viewers to not miss another word of their favorite show.

4. CONNECT TO FAMILY AND FRIENDS The grandPad touchscreen tablet provides a highly intuitive way to communicate with family or friends with video chat, phone calls, and voice email capabilities. The device also comes with 24/7 support service. Not being up-to-date with the latest technology can feel isolating. However, tech stress can be alleviated when devices are made with the senior user in mind. The shift in understanding senior needs with technology is important to ultimately produce more tools that can be useful to a maturing population. As technology continues to develop, older adults can feel more comfortable and confident about using devices that will enhance everyday life.

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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



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 JULY 2015 31 SORBET MAGAZINE

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.


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. 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. 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. “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.” There are wonderful testimonials from longtime customers on her web site (, but for me, the

best testament to Betty’s genuine, caring nature came from a source closer to home. 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.” 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. 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.” Thank you Betty! You can connect with Betty by calling (949) 581-4549 or via e-mail at Mission Viejo Wigs is located at 25571 Jeronimo Road in Mission Viejo


Navigating Type 2 Diabetes

Do you feel shaky, sweaty, dizzy or weak, have a headache, blurred vision or are confused? You might be suffering from hypoglycemia, or low blood sugar, which might mean that you have Type 2 diabetes.


iabetes affects the way your body metabolizes sugar (glucose), which can lead to high blood sugar, or hyperglycemia, and is marked by increased thirst, urination, tiredness and blurred vision. If you don’t keep your blood sugar levels in the recommended target ranges, you can damage your heart, kidneys, eyes, feet, and nerves. Additional serious complications can include blindness, kidney failure and stroke. There’s no cure for diabetes – this is why it’s so important to consult your doctor to best manage your condition. Rest assured you can still live a relatively normal life with Type 2 diabetes. Your physician might recommend medications and insulin therapy in addition to eating well, exercising, maintaining a healthy weight. CalOptima, the health insurance provider for thousands of adults and children throughout Orange County, offers these tips to keeping your blood sugar in check: • USE A BLOOD GLUCOSE METER: doctors often recommend that patients monitor their sugar through daily blood glucose meter tests. Typically, this involves using a device to prick your finger and capture a drop of blood on a test strip to calculate your current glucose level. Remember to test your blood glucose meter at least once a week to make sure that it is still working. • MAINTAIN A HEALTHY WEIGHT: your physician may ask you to lose weight to help manage your diabetes. Eat three well balanced meals that contain a variety of foods from vegetables, fruits, and lean proteins – limit sweets, fats and alcohol. Additionally, participating in regular physical activity, such as daily walks, will help you lose weight and control your blood sugar levels. • MIND STARCHES AND CARBOHYDRATES: breads, rice, pastas, tortillas, cereals and beans are staples of almost every local resident’s daily diet. While they supply us with much needed energy, our bodies also convert them into sugar. So, eat these foods in moderation and instead focus on adding servings of lean protein (e.g. fish and eggs) and vegetables to your diet.

• LIMIT YOUR INTAKE OF ALCOHOL AND JUICES: more often than not, drinks that are tasty usually aren’t even healthy. This is true for alcoholic and sugary juices. Instead, drink more water – and remember to stay hydrated throughout the day. If you’re not a fan of the taste of water, add slices of lemon, cucumber, or mint to give it a different flavor. • EAT AT THE SAME TIME EVERY DAY: skipping meals or eating inconsistently throughout the day can throw off your blood sugar levels. Eating at the same time and on schedule is best. Living with Type 2 diabetes isn’t easy, but it is manageable. Make a point to avoid smoking – also, take your medication as instructed. Remember to make regular appointments with your doctor to make sure that your health is on track. 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 717,000 members with a network of more than 7,000 primary care doctors and specialists, as well as 30 hospitals.



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July - Arts & Entertainment

Day by Day


Native American Basket Weaving; San Juan Capistrano Wednesdays (1st & 3rd of each month). Experience the art of basket weaving at Mission San Juan Capistrano on the 1st & 3rd Wednesdays of each month. Learn the traditions and capture the culture of basket weaving. This event is free with paid admission to the Mission. 10:00 a.m. - 1:00 p.m. 26801 Ortega Hwy San Juan Capistrano, CA: South Wing Garden Tours; San Juan Capistrano. These half hour tours are conducted by the Mission Gardening Angels every Wednesday at 10:00 and 10:30 a.m. Guests wishing to tour should meet at the Front Gate. This event is free with paid admission to the Mission. 26801 Ortega Hwy San Juan Capistrano, CA: Mission grounds.


Curious Mediums: Peculiar and Surprising Works of Art; Brea. Unusual materials “take the cake” in this exhibition featuring artists working in exciting and unexpected ways. From staples and duct tape, to gummi bears and chili peppers – anything is fair game in this show! This exhibition will explore the potential to make artwork out of any material and open their minds to the limitlessness of creativity. 1 Civic Center Circle. Brea, CA. (714) 9097731. See more at:


Medieval Times Dinner & Tournament; Buena Park. Medieval Times Dinner & Tournament offers a complete dinner, to be eaten with hands only, and a tournament filled with all of the events and scenery that is typical of the Middle Ages. Medieval Times Dinner & Tournament. 7662 Beach Blvd. Buena Park, CA 90620. (866) 543-9637.


Curiosity Carts; San Juan Capistrano Each educational cart offers close-up learning for students and visitors interested in seeing items up close. Items include branding irons, spurs, horseshoes, hides, candles, pottery shards and objects used by the Juaneno Indians. This event is free with paid admission to the Mission. Every Tuesday & Thursday.10:00 a.m. - 12:00 p.m. Carts are located in the Central Courtyard on the north side of the fountain. 26801 Ortega Hwy San Juan Capistrano, CA.

First Thursdays Art Walk; Laguna Beach First Thursday of Every Month from 6pm to 9pm The First Thursday Art Walk in Laguna Beach illustrates artwork from several galleries located on the North Coast Highway, Central Downtown and the South Coast Highway. The North and South Coast Highways have a longer lineup of galleries participating with at least ten to view during each walk. The event highlights and celebrates the cultural art scene of Laguna Beach and is free to attend. Conveniently, there are free trams offered by the city to shuttle attendees to the art galleries. (949) 683-6871.


Summer Weekend Trolley Service; Dana Point Friday 12pm-10pm, Saturday 10am- 10pm, Sunday10am- 8pm. Cost: Free


Annual 4th of July Celebration; Huntington Beach. Don’t miss out on Huntington Beach’s three-day 4th of July Celebration! Friday, July 3 - Sunday, July 5. Pier Plaza Festival. 10 a.m. - 9 p.m. Live entertainment from 2 p.m. 9 p.m. Pier Plaza Huntington Beach Pier


Santa Ana Art Walk; Santa Ana Date: First Saturday of the Month Join fellow Orange County residents on the first Satruday of the month in the Artists Village for the Downtown Santa Ana Art Walk which will feature arts, crafts, live entertainment and all things art. Held on the 2nd Street Promenade between Broadway Avenue and Spurgeon Street in Downtown Santa Ana, galleries participating offer arts of all types including ceramics, 3d modeling, contemporary art and more. 201 N Bush St Santa Ana, CA 92701. (714) 834-1171.


Dana Point Farmers Market & Craft Fair; Dana Point. Seasonal produce, flowers and much more at La Plaza Park each Saturday. On the first Saturday of the month, hours are extended to include a craft fair. 9 a.m.-1p.m. La Plaza Park Dana Point, California. 949.248.3500, www.


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Quoth What? By William Shakespeare Submitted by Beverly Blake & Tom Scott

William Shakespeare quotes such as “To be, or not to be” and “O Romeo, Romeo! Wherefore art thou Romeo?” form some of literature’s most celebrated lines. What you may not know is that you speak “Shakespeare” every day.  Have you ever said: “I’ll not budge an inch”, “A dish fit for the gods”, or “It’s all Greek to me”?  These every day catch phrases are more use in today than they were when written by Shakespeare. You may think this be madness, yet there is method in it.  After all, can one desire too much of a good thing?  True, we have seen better days.  Some say the world is grown so bad, that wrens make prey where eagles dare

not perch. Just remember, wisely and slow; they stumble that run fast. In truth, the course of true love never did run smooth.  Love looks not with the eyes, but with the mind.  After all, love is blind, and lovers cannot see.  But still, some wear their heart upon their sleeves until the game is up.  Others bear a charmed life where fair is foul and foul is fair.  As good luck would have it, all the world’s a stage, and all the men and women merely players.  So if we play our cards right, then the world’s mine oyster!  Just remember to give the devil his due, and in the end the better part of valor is discretion. Keep in mind that delays have dangerous ends. Oh yes, beware the ides of March! Ah, it is neither here nor there.  I have not slept one wink.  I now know you and I are past our dancing days.  This above all, to thine own self be true, and it must follow, as the night the day, thou canst not then be false to any man. Well, enough is enough.  That’s the short and the long of it.  Parting is such sweet sorrow.  Let’s wrap this up now since brevity is the soul of wit.  After all, men of few words are the best men. Come hear these quotes spoken in context at Capistrano Shakespeare Festival starting on July 10th through August 2nd at Camino Real Playhouse and Historic Town Center Park in San Juan Capistrano.


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Anaheim Hills Fourth of July Festival and Parade; Anaheim Hills. Held in Peralta Park in Anaheim, California, the Anaheim Hills Fourth of July Festival and Parade offers up a little of everything for everyone. Major events throughout the day will include a dog show, live entertainment, a colorful patriotic parade and spectacular fireworks. Peralta Park in Anaheim Hills, CA. July 4th All American BBQ Buffet at Laguna Cliffs; Laguna Cliffs Enjoy the day with an American BBQ buffet, complete with live entertainment and a fireworks display you won’t want to miss.Laguna Cliffs Marriott Resort and Spa Vue Lawn and OverVue Deck 25135 Park Lantern Dana Point. Call 949-487-7516. Independence Day Fireworks Extravaganza; Dana Point Bring a radio and tune in to KSBR 88.5FM, look toward the skies over Doheny State Beach and experience this patriotic extravaganza with music! Visitors from all over Southern California flock to Dana Point each year for this summer tradition. FREE shuttle buses will make round trips from Dana Hills High School to Dana Point Harbor from 10 am to 11:30 pm (last shuttle leaves the harbor at 11:00 pm) Dana Point Harbor. For info, call (949) 248-3530 Pacific Symphony Concert; Irvine. “America’s favorite big band” joins Pacific Symphony to resurrect the high-energy swing rhythms of the 1940s and ‘50s. Big Bad Voodoo Daddy will have you snapping your fingers, tapping your toes and screaming for more as they perform songs from their multi-platinum records including “Go Daddy-O” and “Mr. Pinstripe Suit.” Also, Fourth-of-July traditions: patriotic favorites, a salute to the U.S. Armed Forces and a brilliant fireworks finale! Verizon Amphitheater Irvine Information: (714) 755-5799. Concert On The Green and Firework Festival; Irvine. Featuring a Pyro Musical Sky Concert & Fireworks Extravaganza! Food Court, Live Music by the Derek Bordeaux Group, Games, Prizes, Bounce Houses for the kids and a Color Guard Presentation of the Colors presented by the Irvine Police Department. Location: Irvine High School Stadium. 4th of July all day celebration ; Laguna Niguel Pancake Breakfast 7:30 - 11 am, Hosted by the Laguna Niguel Chamber of Commerce in conjunction with the YMCA. $5 for breakfast Concert 5:15-8pm Kick off your evening festivities with a live concert by Craig Colley and Undercover Live at Crown Valley Community Park! After the concert, walk to the Regional Park to watch the Fireworks Spectacular (3/4 mi. walk each way). Bring flashlights and something to sit on in grass/dirt. FIREWORKS LOCATION: Starts at 9 pm. LN Regional Park (Over the lake) Fourth of July Parade; Lake Forest. Independence Day Celebration Day of Events

Fourth of July Parade Starts at 10:00 am. Parade starts at the intersection of Toledo Way and Ridge Route and will travel along Lake Forest Boulevard turn on Serrano Rd, ending at Dayton Rd. 949-461-3450 The Mission Viejo Annual Street Faire and Fireworks Spectacular; Mission Viejo. Held yearly on Olympiad Road and in the area adjoining Lake Mission Viejo, this Faire provides a classic Fourth of July celebration for the city of Mission Viejo. Rides and games enhance an exciting carnival atmosphere for all ages. Local clubs and organizations set up booths for food, drink, crafts, gifts and games. Free entertainment includes music, dance and comedy for the enjoyment of children and adults alike, with performers drawn from local talent as well as professionals from outside the area. As would be expected for a Fourth of July Faire, the event climaxes at dusk in a spectacular fireworks display. Olympiad & Marquerite. 949-830-7066 Annual 4th of July Celebration; Huntington Beach. Pancake Breakfast in Lake Park. Sponsored by Kiwanis of Huntington Beach. 6 a.m. - 10 a.m. Lake Park - Main Street between 11th Street & 12th Street. Cost: $5 Annual 4th of July Parade; Huntington Beach. The parade will start at Pacific Coast Highway (PCH) and 8th Street, then head south on PCH to Main Street, and then continue up Main Street ending past Yorktown. 10 a.m. – Noon. Bleacher seating available at Lake Park for $15 pre-sale or $20 at the event. To purchase tickets call 714536-5486. San Clemente Fireworks Show; San Clemente. At approximately 9 p.m. the City continues its annual tradition with a spectacular fireworks display from the Municipal Pier. Admission is free. Location: San Clemente Pier. 949-361-8264. 4th of July Celebration; San Juan Capistrano Festivities begin at 3:00 p.m. with mechanical rides, bounce houses, activities for the kids, food, Orange County Birds of Prey exhibit, and a beer garden. A live band will perform live on stage at 6:00 p.m. While there is no cost to enter the park, tickets for rides and bounce houses may be purchased on site. The evening culminates with a spectacular choreographed fireworks show. Bring the entire family for a day of fun. Street parking is available along Camino del Avion with additional parking in the Sports Park Complex. The Sports Park. 25925 Camino Del Avion. 949-493-5911. Fourth of July at Centennial Park ; Santa Ana. The city of Santa Ana will celebrate Independence Day fireworks at 9 p.m., live music, a kids’ zone play area, food, and a History Walk. Location: Centennial Park 3000 W. Edinger Ave in Santa Ana. Annual Fourth of July Celebration; Tustin. Entertainment featuring ‘Swing Cats’, big band music. Starts at 6:30 P.M. Fireworks at 9:00 P.M. Pack a picnic & blanket - snack bar


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Festival of Arts Exhibit Opens at Ritz Carlton, Laguna Niguel As the official hotel partner of Pageant of the Masters and Festival of Arts, The Ritz-Carlton, Laguna Niguel is showcasing original works from 25 Festival of Arts artists. The exhibit will be on display in the Art Exhibit Space through September 30, 2015.


he Festival of Arts is California’s premiere fine art show. The Festival’s prestigious juried art show includes a wide variety of media such as paintings, photography, printmaking, sculpture, jewelry, handcrafted wood and furniture, ceramics, glass and more – all by 140 of Orange County’s finest artists. Established in 1932, Festival of Arts promotes, produces and sponsors events and activities that encourage the appreciation, study and performance of the arts.

Experience includes overnight accommodations and two premium seat tickets to the Pageant with rates starting at $775 per night. Both packages can be booked on-line  Paul Bond, “The Girl Who Circumnavigated the World in a Dream of Her Own Making”

 Marie Tippets, “Granny Smiths”

For a more comprehensive art experience, guests can book one of the two Pageant of the Masters overnight experiences that feature incredible seats and exclusive offerings. The Behind the Velvet Rope Experience features ocean view overnight accommodations on The Ritz-Carlton Club Level, two premium seat tickets to the Pageant, a guided docent tour of the Festival, a backstage tour of the Pageant for $1,699 per night. The Pursuit of Happiness


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will sell drinks, snacks & BBQ. Stadium seating for those who arrive early! Tustin High School 1171 El Camino Real. 714-573-3326. Annual Fourth of July Spectacular ; Yorba Linda. Family activities, DJ entertainment, food vendors and children’s area at 5:00 pm and fireworks begin at 9 pm.Veterans Park & Yorba Linda Middle School. Old Glory Boat Parade; Newport Beach. Each year the Newport Beach Harbor becomes a festive delight as owners adorned their boats in red-white-&-blue decorations, balloons, streamers and waving flags that outline the skies as Sousa Marches and Anthems fill the air. Families and friends from near and far arrive at the bay front beaches and yacht clubs along the peninsula and the many islands, vying for the best spot to settle down and view the boat parade. Newport Harbor in Newport Beach. Fireworks & Parade Cruises; Newport Beach. Newport Landing will have 3 cruises for the 4th of July including the Firework Spectacular evening cruise. Witness Newport Harbor as it is full of the Spirit of America. Information: For info, call 949-675-0551.


6th Annual Woodstock Tribute: Weekend of Music and Art; Costa Mesa The fourth annual Woodstock Tribute: Weekend of Music and Art will celebrate the iconic 60’s Woodstock event with musical appearances and more. This year, Aquarius Tribute Band will be on hand to perform all the groovy tunes of the big 60’s event. Aside from that, this two day fest planned for July 5th and 6th at the Orange Count Market Place in Costa Mesa will offer dye artisans, free face painting, hippie stilt walkers, Wavy Davy-The Tie Dye Guy, food trucks and much more! Orange County Market Place 88 Fair Drive – Orange County Fairgrounds Costa Mesa. (949) 723-6619.


Guided Tour; San Juan Capistrano Visit Mission San Juan Capistrano historic landmark and museum as your tour destination. Guests not in a group now have the option of the guided tours offered Monday through Sunday. Guided tours truly enhance your experience at the mission, our interpretive guide does a wonderful job of hosting you through the 10 acres of museum rooms, exhibits, gardens, fountains and more. Guided tours are available Monday through Sunday. Tour durations are 45 minutes and do not require advanced reservations. M-F - 11:15 a.m. & 1:00 p.m. Saturdays - 11:15 a.m. & 2:15 p.m. Sundays - 2:15 p.m. Cost: $2 for Members; $3 Adult/$2 Child for Non Members, in addition to museum admission. 26801 Ortega Hwy San Juan Capistrano


SOCO Nights – An Outdoor Summer Movie Series; Costa Mesa An outdoor summer movie series in Costa Mesa, Guests will enjoy live music in the relaxed and comfortable SOCO Courtyard and a free outdoor movie screening by Gear Co-op, 7 Grand Budapest Hotel or Willy Wonka and the Chocolate. In addition to special deals at SOCO’s awardwinning restaurants, LCA Wine will offer a beer and wine garden with proceeds benefiting Costa Mesa High School Foundation. Tickets are free, but spaces are limited, so you must RSVP! Fill up your car with family and friends, and don’t forget to BYOC (bring your own chair) for this night of fun! To RSVP, visit 5pm-9pm. SOCO is located at 3303 Hyland Ave, Costa Mesa.


6th Annual Sunset Jazz at Newport: The Four Freshman; Newport Beach.SUNSET JAZZ AT NEWPORT will feature straight ahead jazz performed by some of the most popular artists from the Newport Beach Jazz Party and The Jazz Cruise. Taking place in the Rose Garden the Marriott- the producers will present two sets with the first starting at 6:00pm and the second at 7:30pm. Both onehour sets are included in the price of each ticket. Doors will open at 5:00pm with table service featuring food & beverage, at reasonable prices. The Marriott is located at 900 Newport Center Dr., Newport Beach, across from Fashion Island. 949.640.4000


Pageant of the Masters; Laguna Beach. Presented in July and August since the early 1930’s, these colorful events have won worldwide recognition. The Pageant consists of ninety minutes of “living pictures” – incredibly faithful art re-creations of classical and contemporary works with real people posing to look exactly like their counterparts in the original pieces. 650 Laguna Canyon Rd in Laguna Beach. 949-494-1145.


2015 Yappy Hour; Dana Point. Follow Fido to Yappy Hour, a monthly cocktail party for canines and their companions held on The Dana Lawn at The Ritz-Carlton, Laguna Niguel. Pooches, hounds and pups enjoy complimentary hand-made dog biscuits and lapping up refreshing libations, thanks to bacon, chicken, cheese, beef and liver flavored water, while their companions can purchase burgers, brews and wines. Proceeds from the 2015 Yappy Hour season will go to the Wounded Veteran’s Initiative of Canine Companions for Independence. 5pm8pm. The Ritz-Carlton, Laguna Niguel One Ritz-Carlton Drive in Dana Point.



Huntington Beach Farmer’s Market; Huntington Beach Affiliated with Orange County Farm Bureau Sponsored Certified Farmers’ Markets. California certified farmers’ markets are the real thing - places where genuine farmers sell fruits, nuts and vegetables directly to the public. Every farmer who sells at a certified market is inspected by the county agricultural commissioner to make sure he/she actually grows the commodity being sold. Pier Plaza, Main Street & Pacific Coast Highway (next to the pier)1 PM - 5 PM (rain or shine). Laguna Hills Farmer’s Market; Laguna Hills Farmers’ Markets. California certified farmers’ markets are the real thing - places where genuine farmers sell fruits, nuts and vegetables directly to the public. Every farmer who sells at a certified market is inspected by the county agricultural commissioner to make sure he/she actually grows the commodity being sold. Laguna Hills Mall Parking Lot the 5 Freeway and El Toro Road. 9 AM - 1 PM (rain or shine)


Dana Point Farmers Market; Dana Point. Seasonal produce, flowers and much more at La Plaza Park each Saturday. 9 a.m.-1 p.m. 949.248.3500, www.danapoint. org. Whale Walk and Talk; Dana Point. Learn about the area’s largest mammal visitor on this 1.5-mile walk through the Dana Point Headlands conservation area. Offered on the second Saturday of the month, except in October and November. Hear about California gray whale migration patterns, different whale species and learn how to spot, watch and identify whales. Bring binoculars or borrow ours. 9 a.m.-11 a.m. RSVP 949.248.3527. Dana Point Nature Interpretive Center, 34558 Scenic Drive in Dana Point. Second Saturday Book Sale at Dana Point Library; Dana Point The Friends of the Dana Point Library have a book sale on the second Saturday of the month, in the storage room adjacent to the library. Books at bargain prices. 11 a.m.2:30 p.m. 33841 Niguel Road, 949.489.3956, www.ocpl. org. Dana Point Symphony: Music of America; Dana Point The Dana Point Symphony Orchestra concludes its 2015 “One World” season with conductor Dean Anderson and featuring Steven Vanhauwaert on piano. Program includes Barber, Adagio for Strings; Copland, Appalachian Spring and Gershwin, Rhapsody in Blue. Tickets are $20 for adults, $15 for students, seniors and military. Buy tickets online or at the door on a first come, first served basis. 7p.m. St. Edward’s Church, 33926 Calle La Primavera, Dana Point,


GERMAN HERITAGE DAY; Huntington Beach. This event is our 38 year in hosting the German Heritage Day. On this day we invite the entire community and offer FREE Food for the 1st 500 guests. We have a German Band, and Folk Dancers & of course the Wiener-dog Races too!!! Doors open at 1pm – food is served at 2pm and the dachshund race begin at 3pm! Old World Village 7561 Center Ave. in Huntington Beach. 714-895-8020. Farmer’s Market; Irvine Every week, rain or shine, the Great Park Certified Farmers Market features fresh, locally grown fruits and vegetables, handcrafted artisan products, live music and entertainment, and a selection of gourmet food trucks. Take home fresh produce grown on the Great Park Farm and other local farms and enjoy live entertainment, including live music, car shows, and more. The Great Park in Irvine, Marine Way off Sand Canyon. 10 AM - 2 PM (rain or shine) Beach Cities Senior Club Trips, Disney Concert Hall/ Roger’s & Hammerstein Go to the Movies; Dana Point. All trips include deluxe motor coach transportation and depart from and return to the Dana Point Community Center, 34052 Del Obispo. For info, contact Evie Love, Tour Director, at (949) 496-4109.$90


Surf City Nights; Huntington Beach. Orange County’s largest 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. 5PM - 9PM. Main Street in Huntington Beach


6th Annual Sunset Jazz at Newport: JEFF HAMILTON TRIO with special guest GRAHAM DECHTER featuring Tamir Hendelman, Christoph Luty; Newport Beach. SUNSET JAZZ AT NEWPORT, will feature straight ahead jazz performed by some of the most popular artists from the Newport Beach Jazz Party and The Jazz Cruise. Taking place in the Rose Garden the Marriott- the producers will present two sets with the first starting at 6:00pm and the second at 7:30pm. Both one-hour sets are included in the price of each ticket. Doors will open at 5:00pm with table service featuring food & beverage, at reasonable prices. The Marriott is located at 900 Newport Center Dr., Newport Beach, across from Fashion Island. 949.640.4000 Native American Basket Weaving; San Juan Capistrano Wednesdays (1st & 3rd of each month). Experience the art of basket weaving at Mission San Juan Capistrano on the 1st & 3rd Wednesdays of each month. Learn the traditions and capture the culture of basket weaving. 10:00 a.m. - 1:00 p.m. Cost Details: This event is free with paid admission to the Mission. 26801 Ortega Hwy San Juan Capistrano: South Wing.



Huntington Beach Art Walk; Downtown Huntington Beach Enjoy this free art walk located “in the heart and soul of surf city” in Downtown Huntington Beach. Professional artists and students alike display a variety of artwork including traditional artistic styles. Peruse the over 10 galleries or studios participating and you will see a diverse range of art from great local talent. Also, performing arts entertainment is offered. 3rd Thursday of each month from March to October. (714) 536-8383. www.hb-downtown. com.


Rumours – The Ultimate Tribute to Fleetwood Mac; Costa Mesa Live performance in The Hangar at the 2015 OC Fair. Come early and stay late! Your concert ticket gets you into the Fair too! The OC Fair is open Wed.-Fri. NoonMidnight and Sat.-Sun. 10 a.m.-Midnight. $16.50-$18.50. OC Fair & Event Center 88 Fair Drive. Costa Mesa. (714) 708-1500.


The Orange County Fair - Costa Mesa. Wednesdays through Sundays. The annual Orange County Fair is the premier family attraction in Southern California offering a wide variety of exhibits, foods, entertainment, rides and hands-on activities. There is something for everybody at the Fair including the summer headline concert series, working farm and petting zoos, thrill rides, contests, and games. Wednesday-Friday- Noon- Midnight, SaturdaySunday-10am-Midnight, Monday-Tuesday- Close. OC Fair & Event Center 88 Fair Drive Costa Mesa, CA. 714-708FAIR


Dana Point Farmers Market; Dana Point. Seasonal produce, flowers and much more at La Plaza Park each Saturday. 9 a.m.-1 p.m. 949.248.3500, www.danapoint. org. Dana Point History Tour; Dana Point. This two-hour docent-led walking tour explores the history of the Headlands area and covers approximately 1.5 miles in distance. Tours run on the third Saturday of the month and have rotating themes. Maximum tour capacity is 10 people. 9 a.m.-11:30 a.m. RSVP 949.248.3527. Nature Interpretive Center, 34558 Scenic Drive, Dana Point, www. Bioluminescence Cruise; Dana Point. The Ocean Institute’s nighttime Bioluminescence Cruise aboard the RV Sea Explorer provides a unique opportunity to learn about and witness the remarkable ability of some marine animals to glow in the dark. 8 p.m. $35 for adults, $22 for children ages 4 to 12. 24200 Dana Point Harbor Drive, Dana Point, 949.496.2274,


Ocean Festival - San Clemente. Celebrating over 35 years of “The Greatest Show on Surf!”. Waterman & Waterwoman Competitions, 5K Beach run, Surf & Bodysurf Contests, Fishing Derby, Woody Car Exhibit, Ocean Art Show and much, much more! Saturday- 6:30am- 8:30pm Sunday- 6:30am- 5:30pm. San Clemente Pier. 949-4406141.


San Clemente Farmer’s Market; San Clemente. 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. Put simply, certified farmers’ markets (CFM’s) are “the real thing,” places where genuine farmers sell their crops directly to the public. It is where the agrarian community relates to the urban community. 200 block Avenida Del Mar Dr. 9 AM - 1 PM (rain or shine).


Blue Whale Migration Spring/Summer 2015- Whale Watching Cruise; Newport Beach. The annual “Giant Blue Whale Migration” brings hundreds of blue whales each spring & summer to the waters off Newport Beach. Over 645 blue whales were viewed in 2014. 309 Palm Street Suite A, Newport Beach, Newport Landing Whale Watching. Daily 10 am, 1 pm, 3:30 pm, 6 pm. Admission: $16 Blue Whale Watching Cruise Special


Dana Wharf Whale Watching; Dana Point. Cruise aboard the 95-foot Dana Pride which has upper deck seating as well as inside seating in it’s large galley, making it one of the most comfortable rides on the water. The boat also features a full bar including wine, beer (domestic and imported), and mixed drinks. Sit back, relax and enjoy the live music as we cruise through Dana Point Harbor at sunset. You’ll be welcomed aboard with a complimentary glass of Dana Pride Punch! Admission: $19 per person. From: 8:00 PM to 9:30 PM. 34675 Golden Lantern St , Dana Point, CA 92629. Phone: 949-496-5794


6th Annual Sunset Jazz at Newport: AN EVENING OF BOSSA NOVA with the BILL CUNLIFFE SEPTET featuring CAROL BACH Y RITA with Bob Sheppard, Kye Palmer, John Chiodini, John Belzaguy, Enzo Todesco; Newport Beach.The Marriott is located at 900 Newport Center Dr., Newport Beach, across from Fashion Island. 949.640.4000.


Pageant of the Masters; Laguna Beach. Presented in July and August since the early 1930’s, these colorful events have won worldwide recognition. The Pageant consists of


JULY - ARTS & ENTERTAINMENT ninety minutes of “living pictures” – incredibly faithful art re-creations of classical and contemporary works with real people posing to look exactly like their counterparts in the original pieces. 650 Laguna Canyon Rd Laguna Beach. 949-494-1145.


Capistrano Shakespeare Festival - San Juan Capistrano. Performing different works of Shakespeare every July. The 2015 ‘Capo Shakes’ event will present ‘Midsummer Night’s Dream’ in the Historic Town Center Park & ‘The Complete Works of William Shakespeare, Abridged on the indoor stage. Great fun! Historic Town Center Park El Camino Real San Juan Capistrano. (949) 489-8082.


Cypress Community Festival – Cypress. One of the largest one-day festival in Orange County that attracts over 20,000 people annually. This event includes an early morning 5K / 10K run, a pancake breakfast, car show, chili cook-off, family games, food booths, the Chamber of Commerce business expo, children’s rides, arts and crafts booths and four stages with continuous entertainment. The admission is FREE! 9am-5pm. Cypress Community Center Oak Knoll Park 5700 Orange Avenue. (714) 827-2430 Music Under the Stars Summer Concert Series: The Derek Bordeaux Group: Motown, Soul and R&B; San Juan Capistrano. Music Under the Stars favorite to the Mission stage The Derek Bordeaux Group. One of the most sought-after Motown, Soul and R&B groups in LA and Orange County. you will love this soulful and sultry show in the backdrop of the historic Mission. Gates: 5:30 p.m. Concert: 6:30 - 9:30 p.m. Phone: (949) 234-1300. Cost Details: Members receive discounts and advance purchase benefits. 26801 Ortega Hwy San Juan Capistrano: Mission Courtyard


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. Free Admission and Parking! Open every day except Tuesdays from 10 a.m. - 7 p.m. Anaheim Indoor Marketplace 1440 S Anaheim Blvd. in Anaheim. (714) 9990888.


Vans US Open of Surfing; Huntington Beach. Orange County is home to 42 miles of beautiful beaches. You can

sunbathe and work on achieving that California glow or try to surf in the impressive Pacific Ocean swell. Take notes from the actual pros like Carissa Moore at the Vans US Open of Surfing in Huntington Beach from July 27th to August 2ndof this year. Be sure to get there early and secure your spot in the sand or join nearly 50,000 other spectators in the bleachers.


Farmers Market; Seal Beach. Opened in 2010, 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. Tuesdays, 9 am - 1 pm. Seal Beach Village. 13960 Seal Beach Blvd., Seal Beach


6th Annual Sunset Jazz at Newport: WYCLIFFE GORDON ALL-STARS featuring DON SHELTON with Llew Matthews, Luther Hughes, Clayton Cameron; Newport Beach Featuring straight ahead jazz performed by some of the most popular artists from the Newport Beach Jazz Party and The Jazz Cruise. Taking Seaview Terrace at the Marriott- the producers will present two sets with the first starting at 6:00pm and the second at 7:30pm. Both one hour sets are included in the price of each ticket. Doors will open at 5:00pm with table service featuring food & beverage, at reasonable prices. The Marriott is located at 900 Newport Center Dr., Newport Beach, across from Fashion Island. 949.640.4000 Casa Wellness Wednesday: Yoga; San Clemente. Practice multiple yoga traditions. Bring your own mat. Class is suitable for beginners to seasoned practitioners. Admission $5, free for members. 9 a.m. Casa Romantica, 415 Avenida Granada, San Clemente, 949.498.2139,


Discover Art-A-Fair A Fine Art Festival; Laguna Beach. Discover one of Southern California’s best-kept secrets, Art-A-Fair, a journey into world class art. Unique among local cultural events, Art-A-Fair features 125 juried artists and master craftsmen. Increasingly popular among artists and visitors alike as a showcase of emerging talent, ArtA-Fair has become one of Laguna’s must-see summer affairs Sunday-Thursday 10:00 a.m. - 9:00 p.m., Friday and Saturday 10 a.m. - 10 p.m. $4.50 for seniors Call 949494-4514 or visit Event address: 777 Laguna Canyon Rd. Laguna Beach. Hours: 10:00 a.m. 10:00 p.m. 949-494-4514.

Have an event to showcase? Email JULY 2015 45 SORBET MAGAZINE

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

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

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

20 Lake Road Irvine (949) 724-6900

Anaheim Senior Center

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

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A SoCal Senior Publication


C/O Community Publications P.O. Box 73188 San Clemente, CA 92673

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Each issue of this mostly glossy format publication is direct-mailed into EVERY 55+ senior community in Orange County, direct-mailed to 55+...