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HOME OWNER TAX DEDUCTIONS page

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BENEFITS OF DIABETIC SOCKS

page 16

LONG-TERM CARE SIMPLIFIED page

A SoCal Senior Publication

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March 2016

David A. Steenblock, D.O.

PERSONALIZED TM REGENERATIVE MEDICINE Page 12

Revolutionizing the treatment of heart disease and stroke

+ ENTERTAINMENT GUIDE - MARCH EVENTS


Reverse Mortgage Solutions

Common Misconceptions about Reverse Mortgages The Lender takes the house. You retain ownership of your home. The loan is secured by a deed of trustor mortgage just like a standard mortgage. The difference is you do not make payments as long as you live in the home.

My Family will be against it. Our experience has shown that heirs that have been educated about a Reverse Mortgage are in favor of its use. It can allow family members to remain in their home without placing a financial burden on the heirs.

I can owe more than my home is worth. Your obligation will never exceed the value of the home.

The costs of a Reverse Mortgage are too high. Compared to other mortgage loans, the benefits of a Reverse Mortgage will outweigh the costs in many instances, with the member’s ability to finance all closing costs (and thus avoid out-of-pocket expenses). The major benefit of a Reverse Mortgage is having NO monthly mortgage payment, as long as the property is occupied as the primary residence. In the long term, when the Reverse Mortgage is kept for the member’s life, the costs are comparable to regular mortgage loans.

Reverse Mortgage loan proceeds/income will affect my Medicare/Social Security income. Loan proceeds DO NOT affect Social Security or Medicare benefits. It is your “tax-free” money to spend as you please. However, please consult your tax advisor should you have any questions. If I need to downsize and move, I cannot keep my Reverse Mortgage. This is True, but you may be eligible to use the remaining Equity in your Home to Buy a Property with a Reverse Mortgage.

PLEASE CALL TO DISCUSS YOUR SPECIFIC NEEDS AND SITUATION. (800) 708-5626 | (949) 250-1300 ext. 110 www.uamco.com | alhensling@uamco.com 19782 MacArthur Blvd. Suite 250 Irvine, California 92612

Al W. Hensling, President BRE: 01154798 NMLS: 1942


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Contents

SORBET

HOME OWNER TAX DEDUCTIONS page

10

BENEFITS OF DIABETIC SOCKS page

16

LONG-TERM CARE SIMPLIFIED page

A SoCal Senior Publication

8 Pieces of a Puzzle:

24

Understanding the Brain in Alzheimer’s Disease

March 2016

David A. Steenblock, D.O.

12 COVER FEATURE:

PERSONALIZED REGENERATIVE MEDICINETM Page 12

Revolutionizing the treatment of heart disease and stroke

+ ENTERTAINMENT GUIDE - MARCH EVENTS

Personalized Regenerative MedicineTM -

Revolutionizing the treatment of heart disease and stroke

16 Emeritus Institute: TuitionFree, Lifelong Learning Courses for Older Adults 18 Study Finds Calcium Supplements Don’t Improve Bone Health - and May Actually Hurt You 20 Are You Prepared to Retire? 22 The Benefits of Diabetic Socks 28 Homeowner Tax Deductions

24 Understanding Medicare

32 The Top Four Mental Health Myths 34 Understanding Sleep Apnea and Available Treatment Options 36 Your Vulnerable Brain: Bumps to the head can

26 Shirley McDonnell: The Life 30 Long-Term Care Review of an Esteemed Simplified Educator, Mother, Grandmother ... and Enthusiastic Dance Partner MARCH 2016

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impact your brain for years to come 42 March Events - Dining & Entertainment Guide


TESTIMONIALS “Our firm is pleased to be a contributor to Sorbet Magazine, which we believe to be a beneficial resource to the senior community. We have been long-time contributors in several other publications the Sorbert’s editor has created and they have always been a pleasure to participate in (Orange Magazine, HB Magazine, Newport Mesa Magazine, South County Magazine, Marmalade Magazine). As estate planning attorneys, we serve the senior community and look forward to meeting many of Sorbet’s readers.” - Genene Dunn, The Law Offices of Donald A. Hunsberger “I have been advertising with Community Publications consistently since the launch of South County Magazine several years ago. The primary reason for this continued investment is the results we get in terms of brand awareness, lead generation, and sales. Another good reason is Community Publications’ outstanding customer service and their sincere desire to contribute their advertiser’s success. My advice is to try them. I’m sure it will be worth it.” - C. Lawrence “Larry” Thomas, Long-term Care Insurance - Insurance 101 “When I was asked if I wanted to be included in Sorbet, I had no hesitation. Working with Jody Robinson over the past few years, I knew she would create another professional, easy to read, and informative magazine that would appeal to seniors. I felt Sorbet would be the perfect fit for me to be able to inform seniors regarding Sleep Apnea treatment alternatives.” -  Scott E. West, D.D.S.    “Since I began contributing to Sorbet magazine, lots of people have commented to me about my articles and about all the great information in Sorbet in general. From the feedback I have received, I know Sorbet is making a definite impact with Orange County seniors. I have received calls from people looking to sell and wanting to know more about the value of their home so there has been a positive impact on my business from my involvement with Sorbet. The magazine has been a great boost to my real estate marketing efforts and to the OC senior population as well. I look forward to sharing more articles in future issues and helping more seniors with their real estate needs.” - Bruce Ballantine, Evergreen Realty “Simply put, advertising in the magazines produced by Community Publications works. My participation has resulted in new customers and the process couldn’t have been easier. Not only did they offer design services at no charge, they created a great ad without needing much input from me because they took the time to really understand my business. The resulting ad does a great job of getting my ‘message’ out - I’m very pleased.” - Betty Darroch, Mission Wigs

Mission Viejo Wigs

“I placed an ad in the community magazines produced by Community Publications to increase awareness of my product, but I had no idea the impact it would have! I’ve received great response and would definitely recommend these community publications to other local business owners.” - Kathy Crifasi, HipzBag MARCH 2016

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A SoCal Senior Publication

MARCH 2016 PUBLISHER Community Publications, LLC. EDITOR Jody Robinson jody@sorbetsocal.com (714) 596-6611 ASSISTANT EDITOR Sara Watt ADVERTISING INQUIRIES (714) 469-3495 ACCOUNT EXECUTIVES Marlo Andersen Anthony Arcurio Eric Bergstrom Kathy Mitchell Kim Roberson CONTRIBUTING WRITERS Bruce Ballantine Livia De Los Rios Kristine Emerson Samuel Henderson, PhD Donald A. Hunsberger Debbie Hutchinson, Psy.D Martin J. Lombrano Mary McPherson Denice Merrill Tom Moffett C. Lawrence “Larry” Thomas Scott E. West, DDS COVER PHOTOGRAPHY Melisa Chandler, Chandler Photography Community Publications, LLC. P.O. Box 73188 San Clemente, CA 92673


Don’t Miss An Issue! Have Sorbet delivered to your home each month for a low introductory subscription rate of only $12 per year!

SORBET UNDERSTANDING THE BRAIN IN ALZHEIMER’S DISEASE page

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ANNUITIES: A Q & A WITH J. LOMBRANO, AIF®, LPL MARTIN FINANCIAL ADVISOR page 14

A SoCal Senior Publication

January 2016

Al W. Hensling, president

Name Address City

UNITED AMERICAN MORTGAGE CORPORATION

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State

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Check enclosed (please make check payable to Sorbet)

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Or subscribe online: www.sorbetsocal.com Community Publications, LLC. P.O. Box 73188 San Clemente, CA 92673 MARCH 2016

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ENTERTAINMENT


UNDERSTANDING THE BRAIN IN ALZHEIMER’S DISEASE:

Pieces of a Puzzle By Samuel Henderson, PhD

Alzheimer’s disease is the most common form of dementia. It is a progressive neurodegenerative disease that causes changes in learning, memory, thinking, planning and behavior. The disease currently affects an estimated 5.3 million Americans, and that number is expected to increase to over 13 million by the year 2050. THE HUMAN BRAIN The human brain is the control center of the body, as well as the most complex part of the body. This intricate organ is responsible for our ability to think, learn, interpret senses, create body movement and control behavior. The brain is made up of 86 billion nerve cells, or neurons. These neurons are linked by trillions of connections called synapses that help neurons communicate with each other. Through electrical impulses and chemical signals, messages are carried throughout the brain and the rest of the body. Although this complex network of neurons and synapses is only about 3% of body weight it utilizes 20% of the body’s energy.

THE BRAIN IN ALZHEIMER’S Alzheimer’s disease changes the way the brain works by altering the structure and function of the brain. Researchers continue to learn more about the way the brain works every day, and recent research has highlighted some changes in the brain of people with Alzheimer’s disease. Each of these changes is like a piece of a puzzle, and as each piece is uncovered it gets us closer to a full understanding of the disease.

Amyloid-Beta, a small sticky protein that is thought to damage the neurons and affect the function of the brain. The idea that amyloid-beta is damaging the brain has been one of the driving forces in Alzheimer’s disease drug development. Unfortunately, targeting amyloid has been a difficult process and has not produced any new drugs for Alzheimer’s disease. Several large prominent studies are continuing to test the amyloid hypothesis, and it is likely that this theory is a piece of a much larger puzzle.

AMYLOID One of the first changes that occur in the brain of people with Alzheimer’s, is the accumulation of a protein called

TAU

Alzheimer’s disease changes the way the brain works by altering the structure and function of the brain. MARCH 2016

Another characteristic change that occurs in the Alzheimer’s brain is the aggregation of a second protein called Tau (rhymes with now). The Tau protein stabilizes the structure of the pathways that carry substances and messages within neurons to support the function of the 8

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While a great deal of progress has been made in our understanding of Alzheimer’s disease, it is still a disease with no cure.

Alzheimer’s is a disease that begins decades before it affects cognition. Recent studies have begun to suggest that there is an underlying metabolic defect in Alzheimer’s disease that it is related to damaged mitochondria. Mitochondria are the engines of the cell, they burn the fuel and produce the energy needed for memory and thinking. These damaged mitochondria may be contributing to poor use of glucose. Several large studies are currently underway to test if intervention in metabolic processes such as insulin signaling or ketosis can impact hypometabolism, thereby improving memory and cognition in patients with Alzheimer’s.

brain. If these proteins become abnormal, they will form twisted fibers that accumulate inside the neurons, called tangles. The tangles will eventually destroy the neurons, reducing the brain’s ability to function effectively. These dying neurons are a common part of Alzheimer’s disease, and it is suspected that dying neurons lead to reduced cognition and memory. Researchers feel that Tau may also play a prominent role in Alzheimer’s disease, and that preventing the aggregation of Tau may improve memory and thinking. Researchers are targeting this protein for future drug development.

Large scale neuron death and tissue loss is a prominent characteristic of Alzheimer’s disease, particularly in the cerebral cortex, where most information processing occurs. This loss of cells is likely to be due to a combination of amyloid, tau and hypometabolism.

GLUCOSE METABOLISM

NEW OPTIONS FOR ALZHEIMER’S DISEASE

Another early change that occurs in the Alzheimer’s brain is a reduced ability to use the brain’s main fuel source, glucose. Glucose is a type of sugar that is derived from the food we eat, primarily carbohydrates. Under most normal conditions, the brain runs almost exclusively on glucose, much like a car runs on gasoline. Glucose provides the energy for the brains activities, including the formation of memory and the completion of cognitive tasks. In recent years, sophisticated imaging techniques have made it possible to look at how the brain is metabolizing glucose. Studies using these techniques have shown that in the brains of people with Alzheimer’s, less glucose is being used than in people of similar age. This is often referred to as glucose hypometabolism. These imaging techniques have also shown that the decline in glucose metabolism is not a general decline, but instead is found in specific regions of the brain. These are the same regions that show accumulation of Amyloid-Beta and Tau. This pattern of decreased glucose metabolism is unique to Alzheimer’s and can help in the diagnosis of the disease.

While a great deal of progress has been made in our understanding of Alzheimer’s disease, it is still a disease with no cure. As researchers continue to study opportunities for new drugs and therapies to treat and eventually cure Alzheimer’s, it seems likely that all of the various theories play a role in this complicated disease. Fortunately, well controlled late stage clinical studies are currently underway in each of these areas. Information gained from these studies will be vital to our understanding of the disease, allowing the pieces to be better fit together and progress to be made more rapidly. If you or a loved one has been affected by Alzheimer’s or memory loss, please consider participating in a clinical trial and be a part of finding a cure. For more information on clinical trials in this area, go to ClinicalTrials.gov, a website sponsored by the U.S. National Institute of Health. Dr. Samuel Henderson, PhD is the Vice President of Research & Development at Accera Inc. Accera is a clinical stage pharmaceutical company that develops therapies for central nervous system disorders. Dr. Henderson has been working on Alzheimer’s disease and neurodegenerative disease research for more than 10 years. Previously, he investigated the genetics of aging at the University of Colorado and was the Lead Scientist at GenoPlex, Inc. researching anti-aging technologies. Dr. Henderson received his PhD in Molecular Genetics and Cell Biology from the University of Chicago, and has a BA in biology from Washington University.

FITTING THE PIECES TOGETHER The aggregation of Tau and the occurrence of glucose hypometabolism have traditionally been thought of as a sign of an unhealthy cell, much like leaking oil and poor fuel economy is the sign that something is wrong with your car’s engine. Yet, research now suggests that Tau and glucose metabolism may be contributing to the disease process and are not innocent bystanders. Glucose hypometabolism can be seen very early in people who are at risk of Alzheimer’s, long before they begin to have problems with memory or thinking. In fact, the Alzheimer pattern of glucose hypometabolism has been seen in people as young as 31 years old, suggesting that MARCH 2016

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PORTABILITY AND THE SENIOR GIRL:

Why Couples need to revisit their “A/B” Trusts By Donald A. Hunsberger

Back in the 1980’s and 1990’s, when most of us first did our living trusts, Estate Attorneys and Accountants chanted the praises of dividing our estates into two or three parts when the first spouse died.

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deceased partner had when she or he died in case we need it later. Why make our trust more complicated if we don’t need to?

hat we were told then was right: the best way to avoid probate and at the same time reduce or eliminate Estate Taxes was to slice the trust in two at the first death to take advantage of the $600,000.00 that each partner in a marriage could pass on to children without any tax bill to pay.

But beware of two things: first, we need to change our trusts to allow this “option” by having it modified to permit the surviving spouse to not divide the trust in half at the first death; and second, we need to have our attorney modify the document to allow the trustee to file an estate tax return (Form 706)even if no tax is due so that the surviving spouse can make the “Portability Election.”

For most people, that eliminated the possibility of an estate tax. Now, in 2015, the Tax Code allows each spouse–alone– to pass $5,430,000.00: more than nine times the tax free estate that earlier rules allowed. This is great, but what about our trusts that say the surviving spouse still must divide the trust in two, when the combined assets the survivor owns has may be only 10% of the tax free amount (the “Exemption”) for one person?

And remember: if you don’t make this election by filing the Estate Tax Return within 9 months after your spouse dies, then you lose the Option unless you have already requested an automatic 6-month extension of time to file on Form 4768. If you wait until after the 9 months pass to file the election, the Option is not available.

Quite simply, the exemption is so high that most people will not want their trusts to require a division at the first death (although there may be some rare situations where it still makes sense). For those folks, there is an option which you might call the “Wait and See” alternative for living trusts. The American Tax Relief Act of 2012 (ATRA) allows a choice between spouses when it comes to estate taxes called “Portability.”

Some advisors feel the completion of a portability election for smaller estates is not necessary. However, remember two factors: first, an estate may grow unexpectedly following the first death, and second, Congress could change the amount of Estate Tax Free assets we are allowed to pass tax-free when we die. The Portability Election is an easy option to protect our heirs from either possibility.

Basically, the surviving spouse has the option to not do an immediate division of the estate at the first death, but instead, to file an Estate Tax Return and “elect” to apply the unused Exemption of the deceased spouse at a later time if it is needed due to changes such as fluctuations in either the amount of their estate or the amount of the tax free amount allowed in the Tax Code.

Hunsberger Law is a full-service estate and business planning legal firm, with estate planning attorneys and a licensed, professional fiduciary on staff. Connect with Don Hunsberger by calling (714) 663-8000 or visit www.hunsbergerlaw.com

This is great news, since we really don’t want to have to file a second tax return every year for the “Split” trust which the division at first death creates. Instead, we want to just preserve the ability to use the tax free exemption that our MARCH 2016

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From (L): Gina Teffeteller, R.N., Donna Hanna, N.D., David A. Steenblock, D.O., Kevork Der Alexanian, Technician, Amber Steenblock, Office Manager and Laura Smith, Administration

Personalized Regenerative MedicineTM STEM CELLS TREAT HEART DISEASE AND STROKE – AND CHANGE THE WAY WE AGE By Kristine Emerson

The vast majority of treatments for chronic and life-threatening diseases concentrate on treating the symptoms, not finding a cure.

F

or this reason, regenerative medicine – including stem cell therapy aided by the use of modalities like hyperbaric oxygen therapy - represents one of the fastest growing biomedical industries in the world today for the treatment of heart disease, stroke and neurodegenerative disorders by helping repair, and even regenerate, body parts and tissues damaged by disease, trauma or age.

cells (harvested from a patient’s own bone marrow) and various proteins, growth factors or cells – to help the body regrow tissues of the type or in the amount that it normally could not do by itself because of disease, injury or aging. Dr. David A. Steenblock, D.O., is the founder and director of the San Clemente-based Personalized Regenerative Medicine. Dr. Steenblock earned his B.S. degree from Iowa State University, then an M.S. in Biochemistry and Doctor of Osteopathy degree from the College of Osteopathic Medicine and Surgery in Des Moines, Iowa. His postdoctoral training included three years at Case Western Reserve University, one year at the Oregon Health Sciences University and a clinical Rotating Internship at Providence Hospital in Seattle, Washington.

In terms of stem cell therapy, researchers are finding that the key lies in their ability to give the body a “reboot,” if you will – by injecting a “cocktail” that starts with stem

Regenerative medicine can be explained as simply as ‘out with the bad, in with the good.’ MARCH 2016

As a wholistic physician beginning in 1979, Dr. Steenblock initially became interested in the practice area of stroke 12

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increased invasiveness of the stem cells into the tissue and helps activate the stem cells and also helps mobilize the stem cells from the bone marrow into the circulation and into damaged tissues.” When stroke patient Bob Ziachkowsky came to Dr. Steenblock, he was in “such bad shape” that he couldn’t walk and “could hardly move.” His wife Melanie adds that prior to his second treatment at Dr. Steenblock’s office, Bob couldn’t find a “single word in a word search puzzle book.” Having completed a painless, safe bone marrow stem cell therapy and hyperbaric oxygen therapy, Bob credits “The Stroke Doctor” with the tremendous improvement in his motor function and cognitive ability – a fact that Melanie says is evidenced by the fact that Bob can now complete an entire word search book in one sitting.

Hyperbaric Oxygen Therapy (HBOT) is used to treat a variety of conditions such as cerebral palsy, stroke, traumatic brain injury, post-plastic surgery patients, non-healing wounds, neuro degenerative diseases and more!

At Personalized Regenerative Medicine, Dr. Steenblock specializes in “regeneration of the body from the inside out,” using bone marrow stem cell therapy, hyperbaric oxygen therapy, IV therapy and chelation, External Counter Pulsation (ECP), pulsed shock wave therapy lasers, pulsed electromagnetic therapy and many more “safe, non-toxic” therapies that gently stimulate the body’s own healing mechanisms to treat conditions ranging from stroke, cardiovascular disease, Parkinson’s Disease, Alzheimer’s and dementia to ALS, arthritis and anti-aging.

many years ago when patients came to him asking what he could to do help those who had suffered a stroke. “I realized at that time I really had very little to offer,” says Dr. Steenblock, who would over the course of his career become known as ‘The Stroke Doctor.’ “As time progressed, I became acquainted with a treatment called hyperbaric oxygen therapy, which is oxygen under pressure. I started to utilize that in the treatment of stroke beginning in about 1990 and found that it was very successful.”

According to the American Heart Association, nearly 800,000 Americans suffer a stroke each year, with twothirds surviving and requiring some type of rehabilitation. Heart attacks affect over one million people in the U.S. each year. The widely accepted standard rehabilitation treatment is not meant to “cure” the effects of stroke or heart attack because it cannot reverse any damage. Rather, its goal is to help a survivor become as independent as possible—unfortunately often with only partial success.

Hyperbaric oxygen therapy (HBOT) proved to be so successful that Dr. Steenblock developed a clinic around that particular therapy and for subsequent 10 years, he dedicated his practice to treating patients with stroke utilizing hyperbaric oxygen therapy, physical therapy, biofeedback and a variety of therapies all designed to help rehabilitate the patient with stroke.

Although Dr. Steenblock’s practice encompasses therapies for an array of degenerative disorders and diseases, for the purposes of this article, we asked that he address frequently asked questions about regenerative medicine as it specifically pertains to the treatment of stroke and cardiovascular disease.

“Today, the same phenomena of making new blood vessels can be achieved through the use of stem cells,” he says. “Once you give the stem cells, they go to directly to the damaged areas where they become lodged in the small blood vessels that are partially occluded because of the stroke. They start to reside there and proliferate there and secrete growth factors that cause the new blood vessels to grow into the area.”

Question: What is regenerative medicine? Dr. Steenblock: By my definition, the Second Law of Thermodynamics, states that entropy (a measure of molecular disorder) is responsible for disease and aging. Regenerative medicine assists the body’s own ability to heal and involves innovative medical therapies that enable the body to repair, replace, restore and regenerate damaged or malfunctioning cells and tissues to help people return to better health.

In his practice, Dr. Steenblock now uses both therapies together because “hyperbaric oxygen allows for an

Hyperbaric oxygen therapy (HBOT) proved to be so successful that Dr. Steenblock developed a clinic around that particular therapy MARCH 2016

Instead of managing symptoms with prescription drugs, devices and invasive medical procedures, all physicians 13

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blood and quickly increases the concentration of oxygen in the blood, particularly in injured areas that have a poor blood supply. The higher concentration of pure oxygen heals wounds and areas of tissue damage, reduces swelling and builds new blood vessels. Question: How are stem cells and HBOT used to aid in recovery for patients who have suffered a stroke (or suffer from other neurological conditions like Traumatic Brain Injuries and Cerebral Palsy)? Dr. Steenblock: Very simple. Bone marrow is taken from the hip bone and given back to the patient intravenously. HBOT is then done daily for a few days. External Counter Pulsation Machine (EECP) is used to help treat heart conditions and much more.

In patients with cerebral palsy or individuals suffering from a traumatic brain injury, some of the injured brain tissues may be ‘dormant’ and non-functioning. HBOT can stimulate these ‘sleeping’ tissues and return them to more normal function. In young children, cognitive function and spasticity can be improved.

will someday use regenerative cell therapies to replace damaged tissue and restore function of a failing organ caused by disease, injury, congenital defects, aging or other circumstances.

Hyperbaric oxygen therapy, used in conjunction with other therapies such as bone marrow which contains stem cells, ensures the best recovery possible for children with cerebral palsy and patients with traumatic brain injury.

Question: What is stem cell therapy and how does it work? Dr. Steenblock: Healing begins naturally in the body when healthy stem cells – which are responsible for growing new tissues - are made. With regard to cardiovascular disease, for example, transplanting healthy stem cells into the heart, can help restore or regenerate unhealthy cells and repair damaged tissue so that the heart can start functioning better. Question: What are the different types of stem cells and how are they obtained? Dr. Steenblock: Stem cells generally come from umbilical cord blood, adult blood, fat or adult bone marrow. In the bone marrow, billions of new blood cells are made every day from blood-forming stem cells. Bone marrow is taken, usually from the pelvis bone (iliac crest), using a needle and syringes. Patients often ask how painful the procedure is and while every individual has a different pain threshold, 50% of patients need only a local anesthetic and others may need a small amount of valium intravenously. Question: What is Hyperbaric Oxygen Therapy (HBOT)? Dr. Steenblock: Hyperbaric oxygen therapy alleviates oxygen deficiencies, reduces brain swelling, repairs damaged cell membranes, stimulates the growth of neural stem cells (important for neural re-growth), neutralizes toxins, enhances immune defenses, renews ‘sleeping’ or ‘dormant’ neurons and stimulates the growth of new blood vessels into damaged tissues.

The HOCATT™ is a multi-disciplinary health apparatus that incorporates eight effective treatment modalities that can potentially be utilized in a single session to promote health and vitality.

Have a question? Connect with Dr. Steenblock by calling (949) 367-8870 or visit www.stemcellmd.org. Personalized Regenerative Medicine is located at 187 Avenida La Pata in San Clemente.

During an HBOT session, the patient lies in a special pressurized chamber and breathes in 100 percent pure oxygen. The hyperbaric oxygen saturates the patient’s MARCH 2016

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Have you ever reviewed your Rx with a Medicare Insurance “Broker?”

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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.

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!!”

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.

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

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.

Sorbet and South County Magazine

MARCH 2016

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Tuition-Free, Lifelong Learning Courses for Older Adults Apply and Enroll Today! saddleback.edu/emeritus • 949-582-4835 28000 Marguerite Parkway, Mission Viejo, CA 92692 academically rigorous • mentally stimulating • socially engaging • health improving by Dan Predoehl, M.Ed • Director, Emeritus Institute

The Saddleback College Emeritus Institute is California’s largest, lifelong learning program specifically designed for older adults. We welcome you to join us as we enter our 40th anniversary year of providing over 215 sections of lifelong learning courses at over thirty locations throughout South Orange County.

TOP 5 BENEFITS OF LIFELONG LEARNING 1. IMPROVE YOUR HEALTH

4. STRETCH YOUR MIND

Have you been looking for a free program that emphasizes health improvement? The Emeritus Institute offers specific courses for older adults in weight control, nutrition, and healthful living. Since students can repeat courses an unlimited number of times, the Emeritus Institute is proud to create a culture of healthful living in South Orange County.

We all mature and form opinions about money management, politics, philosophy and religion. Yet, being exposed to new ideas and concepts allows us to critically compare our notions with the theories of others to stretch our understanding of the world. Engage in discussion through the Emeritus Institute’s open and welcoming classes.

5. EXPLORE YOUR COMMUNITY

2. DEVELOP A NEW SKILL Many Emeritus Institute students speak proudly of their newfound abilities to converse in a new language, create beautiful digital photographs, fabricate custom jewelry, or even to write their own memoirs. Should you have an entrepreneurial spirit, you will certainly connect with other students who have found success in marketing and selling their new creations and abilities.

Field trips are an integral part of many Emeritus Institute courses, and are some of the most enjoyed activities by students. Deepen your knowledge of your community by visiting cultural centers, art museums and galleries, and festivals. Join your new friends on educational experiences throughout South Orange County and beyond. The Saddleback College Emeritus Institute offers rolling admission and registration. Join a class even after it has started.

3. BUILD RESILIENT RELATIONSHIPS A community of lifelong learners awaits you in the Emeritus Institute. Improving health, developing new skills, and learning together all create an environment where friendships begin and are strengthened each semester.

MARCH 2016

Apply on our website and register today! Saddleback College Emeritus Institute Over 30 South Orange County Teaching Sites saddleback.edu/emeritus • 949-582-4835 16

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Study Finds Calcium Supplements Don’t Improve Bone Health—And May Actually Hurt You Many people take calcium supplements in the hope that the vitamin pills will make the aging process a little easier and less painful. However, a new study found that calcium supplements can’t offer the health benefits people hope for when it comes to bone health. In fact, says the research, calcium supplements may even be harmful.

T

he findings from the study, which were reported in the British Medical Journal online publication BMJ.com, showed that calcium supplements don’t strengthen bones. Instead, extra calcium builds up in arteries, which can cause heart disease and excruciating kidney stones. According to The Telegraph, up to 5 million people in the United Kingdom take calcium and vitamin D supplements in the hope that it will prevent bone fractures and osteoporosis later in life.

One German study that followed 24,000 middle aged and elderly Germans for 11 years reported that taking calcium pills roughly doubled risk of heart attack.

Dr. Ian Reid from the University of Auckland in New Zealand headed the research, which was a meta-analysis compilation of high quality studies from around the world. Most showed that people over age 50 received little to zero benefit from calcium in supplements or food. Even a randomized controlled trial, the most reliable form of study, showed no differences in bone health between people who took calcium supplements and people who did not.

Researchers still recommend people get the baseline daily amounts of calcium and Vitamin D, which helps the body actually absorb calcium, through food. The best sources of calcium include dairy products and leafy green vegetables. Vitamins and minerals are still necessary for bone health, but taking extra calcium and vitamin D in a pill isn’t helpful. If you’re concerned about bone health, put the vitamins down and instead check out OsteoStrong, which is even more natural than a supplement and builds bone health an average of 14 percent a year in less than 10 minutes a week.

“Evidence that calcium supplements prevent fractures is weak and inconsistent,” Reid’s study said. “Dietary calcium intake is not associated with risk of fracture, and there is no clinical trial evidence that increasing calcium intake from dietary sources prevents fractures.”

Thomas J. Moffett is franchise owner of OsteoStrong of Laguna Woods in Laguna Hills - specializing in building bone density naturally through osteogenic loading. OsteoStrong of Laguna Woods is located at 23601 Moulton Parkway, Suite B in Laguna Hills. TO BOOK A FREE BONE DENSITY TEST, BALANCE/POSTURE TEST AND A FREE FIRST SESSION, call (949) 916-0916 or visit www.OsteoStrongLagunaWoods.com

According to the National Osteoporosis Foundation, about half of American women over age 50 will deal with a broken bone caused by osteoporosis, a condition of weak and porous bones that approximately 54 million Americans are at risk of or have already developed. Calcium supplements don’t seem to help prevent bone loss, but worse than that, they may in fact harm the body. Reid’s team found that many clinical trials reported kidney stones, cardiovascular events, and gastrointestinal issues were directly linked to calcium supplements. MARCH 2016

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

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Are You Prepared to RETIRE?  

years away, you may be able to include more aggressive investments in your portfolio.

INFLATION While lower-risk fixed-income and money market investments may play an important role in your investment portfolio, if used alone they may leave you susceptible to the erosive effects of inflation. To help your portfolio keep pace with inflation, you may need to maintain some growth-oriented investments. Over the long-term, stocks have provided returns superior to other asset classes.2 But also keep in mind that stocks generally involve greater short-term volatility.

By Martin J. Lombrano, AIF®, LPL Financial Planner

Whatever “retirement” means to you, you’ll need to design a financial plan suited to your specific vision of the future.

R

etirement used to conjure up images of lazy days spent in a rocking chair. Today’s retirement is very different. You might plan to open a business of your own. Or perhaps you’ll return to school for that degree you never had the chance to complete. So what does this redefined retirement mean to you? There is no one answer. In the coming decades, “retirement” will mean something different to each of us. Regardless of your decision, you’ll need to design a financial plan suited to your specific vision of the future.

TAXES Even after you retire, taxes will remain an important factor in your overall financial plan. If you return to work or open a business, for example, your tax bracket could change. In addition, should you move from one state to another, state or local taxes could affect your bottom line. Taxadvantaged investments, such as annuities and tax-free mutual funds, may be effective tools for meeting your retirement goals. Tax deferral offered by workplace plans -- such as 401(k) and 403(b) plans -- and IRAs may also help your retirement savings grow.

INCOME IS KEY A good starting point might be to examine your sources of retirement income. If you pay attention to the financial press, you’ve probably come across at least a few commentators who speak in gloom-and-doom terms about the future for American retirees, decrying a lack of savings and warning of the imminent growth of the elderly population.

Prepare Today for the Retirement of Tomorrow To ensure that retirement lives up to your expectations, begin establishing your plan as early as possible and consider consulting with a professional. With proper planning, you may be able to make your retirement whatever you want it to be.

True, there is widespread concern about at least one traditional source of income for retirees -- Social Security. Under current conditions, Social Security funds could fall short of needs by 2033.1

Martin J. Lombrano, AIF®, is a LPL Financial Advisor and PERSONAL FINANCIAL PLANNER™ (PFP) with over 20 years of experience in the financial planning field. Martin has served as the owner and president of his own financial planning firm in Irvine. In 2007, he joined Pence Wealth Management and LPL Financial. Martin has extensive experience in insurance, charitable giving, asset management, retirement planning, as well as growth and preservation of retirement assets. He believes listening, trust, persistency and service are the foundation of lasting relationships and success. He can be reached by calling (949) 660- 8777 or email martinj.lombrano@ lpl.com. www.PenceWealth.com CA Insurance License # 0828215. Securities offered through LPL Financial, Member FINRA/SIPC. Co-sponsored by Lincoln Financial.

This shift makes it even more important for individuals to understand their goals and have a well-thought-out financial plan that focuses on the key source of retirement income: personal savings and investments. Given the potential duration and changing nature of retirement, you may want to seek the assistance of a professional financial planner who can help you assess your needs and develop appropriate investment strategies. As you move through the various stages of the new retirement, perhaps working at times and resting at others, your plan may require adjustments along the way. A professional advisor can help you monitor your plan and make changes when necessary. Among the factors you’ll need to consider:

© 2015 Wealth Management Systems Inc. All rights reserved.

TIME

1 Source: Social Security Administration, The 2014 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds, July 2014.

You can project periods of retirement, reeducation, and full employment. Then concentrate on a plan to fund each of the separate periods. The number of years until you retire will influence the types of investments you include in your portfolio. If retirement is a short-term goal, investments that provide liquidity and help preserve your principal may be most suitable. On the other hand, if retirement is many MARCH 2016

2 Past performance is no guarantee of future results. Stock investing involves risk including loss of principal. Because of the possibility of human or mechanical error by Wealth Management Systems Inc. or its sources, neither Wealth Management Systems Inc. nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall Wealth Management Systems Inc. be liable for any indirect, special or consequential damages in connection with subscriber’s or others’ use of the content.

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CARE TIPS

The Benefits of Diabetic Socks By Livia De Los Rios

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he primary purpose of diabetic socks is to keep your feet dry, decrease your risk for foot injury and avoid preventing or slowing blood circulation. The difference between diabetic socks and regular cotton socks is that they are usually are made of materials that wick away moisture, are fitted, padded and are non-binding. Because people with diabetes are at higher risk of foot injuries and infection due to damage to their circulatory and nervous

systems caused by high blood sugar levels, they would benefit from wearing diabetic socks. Nerve damage, or neuropathy, decreases sensation and increases risk of injury, particularly on the bottom of the feet and can also cause people with diabetes to be unaware of an injury and delay treatment. Circulatory problems also make it harder for wounds to heal. For these reasons and more, proper foot care is critically important for people with diabetes and diabetic socks are designed with these specific issues in mind.

Livia De Los Rios is president and CEO of Allied Medical Supply located at 424 S. Main St., Suite M in Orange. She can be reached by calling (714) 935-9200 or visit www.AlliedMedical.net MARCH 2016

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• Look at and touch your feet everyday • Keep your feet clean and dry • Cut or file toenails with the shape of the toe, smoothing all sharp edges • Moisturize dry skin with a lotion • Avoid injury to the feet. Have corns, calluses or ingrown toenails treated by a professional • Wear well-fitting, soft leather or fabric shoes • Check shoes daily for cracks, pebbles, or other things that might damage your feet • Get your blood glucose under control • Wear well-fitting socks, without a thick toe seam, made of material that wicks moisture away from skin Be aware of: • Changes in skin color or temperature • Swelling in the foot or ankle • Pain in the legs • Open sores on the feet that are slow to heal • Ingrown toenails or toenails infected with fungus • Corns/calluses/ bunions • Dry cracks in the skin, especially around the heel If you have a foot problem that is slow to go away or continues to get worse, contact a healthcare professional immediately.


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Q: Can I go onto Cobra until I can figure out all the Medicare Options? A: Highly discouraged. Cobra does not qualify as “creditable health insurance coverage” and you will be given a penalty to pay a higher part B premium and Part D (drugs) that stays with you year after year! We are available to educate you on your options at no charge. You will be able to make an decision with your eyes wide open on your options.

Q: How do I sign up for Part A & Part B if I’m already on Social Security? A: Once you turn 65 you will get your Part A. If you have no other “creditable coverage” you have 3 months prior to your birthday, your birthday month and 3 months after to initialize your part B and to enroll in a supplemental plan to cover the gaps in your “Federal Medicare” plan. If you delay signing up for additional coverage after your birthday month your coverage will be delayed.

Understanding Medicare

I

by D enice M errill

live in Orange County and many of us are still working even after the age of 65…Many people are postponing enrolling into Medicare because they are still on their employer health insurance benefits or their spouses. Below is some information that may clear up a few mysteries…

Q: What if I’m still working and on my employer group plan or my spouses employer plan?

A: Typically Part A (hospital), is sent to you prior to your 65th birthday. You earned it through your taxes paid. Part B (doctors, specialist, those services outside the hospital), does not need to be initialized until you leave your employer coverage. Once you leave you will need to initialize your Part B to not incur a penalty. Social Security (SS) will withdraw the premium from your monthly SS check, or if you delay your SS you can pay it directly on a quarterly basis. Medicare will begin the first of the month following your exit from the employer plan ~ no lapse in coverage.

Once yOu turn 65 yOu will get yOur Part a. if yOu have nO “creDitable cOverage” yOu have 3 MOnths PriOr tO yOur birthDay, yOur birthDay MOnth anD 3 MOnths after tO initialize yOur Part b anD tO enrOll in a suPPleMental Plan tO cOver the gaPs in yOur “feDeral MeDicare” Plan.

Other

Q: How do I sign up for Part A & Part B? A: Contact Social Security 3 months before you turn age 65. To sign up ~ go online at www.medicare.gov, or call (800)-772-1213, or visit your local social security office in person (call first to make an appointment). Part A (premium free) and Part B (for which you may pay a higher monthly premium based on last 2 years tax returns) As of today the minimum is $121.80/month.

For more details or questions about activating your Medicare, please call me. One Call Does It All! 949-388-7332 Please be AWARE of any emails or phone calls you get regarding soliciting the sale of a medicare policy. Medicare is a highly regulated Federal program. Phone calls and emails are not allowed unless “you” have invited the contact.

Denice Merrill is a local Orange County Broker whose goal is to present choices in Medicare Insurance and simplify the process. As an Independent Agent, she can provide an unbiased review compare plans/ help minimize costs. She does not work for Medicare. CA Lic# 0D99790 MARCH 2016

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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

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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

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Call us today to see if a compound is right for you. 31654 Rancho Viejo Road, Ste. N San Juan Capistrano (949) 429-5326 www.ocpharmacy.net MARCH 2016

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Shirley McDonnell The Life Review of an Esteemed Educator, Mother, Grandmother … and Enthusiastic Dance Partner By Jody Robinson

S

ments among them. Shirley went on to become a Fulbright Fellow to the Netherlands and to become a scholar in residence at the National Humanities Center in North Carolina.

ome say life review is like a movie screen in the back of our mind replaying pivotal scenes, points of conflict or glory or moments of regret. This article seeks to provide a snapshot into the life of Hospice Care of the West (HCOTW) patient Shirley McDonnell as she shares meaningful moments, milestones she’s achieved and the people who matter most because “what is important at the end of it all is the people you love and who love you.”

An educator for nearly 40 years, Shirley laughs as she recalls that growing up, both her son and daughter claimed they would never pursue teaching because it was a career path with too much work for too little pay. Nevertheless, both went on to follow in their parents’ footsteps. Son Brett is a law professor at the University of Minnesota and daughter Evelyn is a journalism professor at Loyola Marymount Univ. Both have received many academic honors and both use innovative teaching methods.

A native of Louisville, Kentucky, Shirley originally came to California during World War II. Clutching her Phi Beta Key and armed with Bachelor and Master degrees in history from Occidental College and a Masters in Education from UCLA, Shirley began her teaching career at Herbert Hoover H.S. in Glendale, CA. There she developed an innovative program for gifted students in the 1960s. In 1968 she moved to Beloit, WI when she and her husband joined the staff at Beloit College. The program she had developed in Glendale caused the superintendent at a high school nearby to ask her to take on a similar task and to revamp the social studies department at Hononegah High School in Rockton, IL. Shirley stayed at Hononegah, where she developed interdisciplinary programs and courses in Advanced Placement History and Psychology, until her retirement in 1994.

After her divorce in 1990 and retirement from teaching in 1994, Shirley decided to move back to Southern California where most of her extended family are located. In 1997, she moved into Laguna Woods. Within two months, at a clubhouse dance, she met fellow resident Gerald Pomeroy, also a retired history teacher. The two have been” inseparable every since.” Unlike her first husband, Jerry shares Shirley’s love of dance. Jerry is a ballroom dancer who particularly likes to tango. An avid reader, Shirley also counts aerobics, lengthy walks and yoga among her favorite pastimes.

After her own children went off to college, Shirley won a number of teaching awards. One of these took her to Princeton University where an experimental program was instituted to bring in top teachers from across the country to form a teaching team to instruct other teachers about better ways to teach history. Four teachers were selected for the first national team. Shirley was both the only woman and the only public school educator chosen.

“I liked the small town feel of Beloit and it was a great place to raise my children,” says Shirley. “But I do not miss the five-month winters. “Laguna Woods has been a great place to retire.” With daughter Evelyn and husband Bud living nearby, Shirley and Jerry are able to share quality time with grandson Cole. Jerry believes Cole is his best instructor in learning his I-pad. Both have birthdays rapidly approaching. Cole will be 13, Jerry will be 93!

For several summers the team traveled across the U.S. working with outstanding teachers to develop new curricula in subjects of national import: climate change, immigration, racial strife, women’s history, the use of primary docu-

An RN Case Manager for Hospice Care of the West, Gina Mendoza helps patients like Shirley manage the “comfort-related issues” that follow a patient’s decision not to pursue further curative medical treatment or when it is determined the further treatment is not an option.

 Grandson Cole, age 12 MARCH 2016

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Scott G. Lamming, DDS

Gift of Smile TEETH WHITENING Simple at-home procedures or in-office bleaching for instant results  Shirley & Jerry, Laguna Wood Dance

IMPLANTS From single tooth to multi-unit reconstruction

“Shirley is an extremely intelligent, educated lady who possesses an awesome disposition and outlook on life,” says Gina.

VENEERS Instant changes through inlays and onlays LASER DENTISTRY Contouring, Lanap Procedures, excision

“Gina also has such a great outlook that you can’t help but be cheerful around her,” says Shirley. “There were nurses who had told me that I shouldn’t wait to go into hospice and now I wish I had gone into this wonderful program sooner. “Another wonderful aspect of having been in the teaching profession is that I have had the opportunity to have an impact – big and small – on so many individual’s lives,” says Shirley. “I have heard from so many people I have taught, many of whom have written such beautiful, moving letters, that it makes the end of a life easier to bear. “Having made a difference in the lives of both your colleagues and your students, being accepted in any community as a positive influence in the community, being asked by those in the community to serve in important, trusted positions and feeling highly valued – these things shine through in the letters I am receiving and it is making my son and daughter even more appreciative of their chosen careers because they know they are truly making a difference.”

For the Whitest, Brightest Smile, call:

(949) 661-2290 www.drlamming.com

Save

$500 Now! On Invisalign or Dental Implants Call today to set up a free consultation  Shirley with her son Brett and daughter Evelyn

31876 Del Obispo St., Suite 9 San Juan Capistrano

For more information on Hospice Care of the West, call 800-405-1159 or visit www.HospiceCareoftheWest.com MARCH 2016

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HOME OWNER TAX DEDUCTIONS

1) Interest paid at the time of purchase (the charge at closing would normally be done for interest up to the date of first payment.), 2) Real estate taxes charged to you, 3) Points - sometimes called origination fees and expressed as a percentage of the amount borrowed. 4) Private Mortgage Insurance costs but, if prepaid, only the amount allocable to this year based on an 84-month amortization.

By Bruce Ballantine

W

ith April 15th only a few weeks away, the time has come to look at some of the available tax deductions for homeowners or for those who bought or sold a home in 2015.

Title fees, real estate commissions, appraisal costs, home inspections, documentary stamps, credit report costs, costs of an abstract, transfer taxes, flood certificate, attorney fees, etc. are not deductible, but are added to the cost of the property.

In most instances you will need to itemize your taxes in order to qualify for the below tax deductions and credits. If in doubt, talk with a tax attorney or certified public accountant (CPA) to ensure you can claim the deduction.

DEDUCTIONS ON THE SALE OF YOUR HOME If you sold your home in 2015, these are some costs that can be deductible:

HOME OWNERSHIP TAX DEDUCTIONS

1) Capital Gains - Real estate capital gains are the profits made in the sale of your home. Basically the sales price minus the purchase price plus any improvements made minus any depreciation, which applies to both individuals (up to $250,000) and couples (up to $500,000) when they sell their home.

The following expenses can be eligible for a tax deduction: 1) Your property taxes. 2) The mortgage interest on your primary residence, as well as on a second residence. (There are limits, but relatively few taxpayers are affected.) 3) The interest on up to $100,000 borrowed on a home equity loan or home equity line of credit, regardless of the reason for the loan. 4) The premiums paid for Mortgage Insurance Premiums, but only for policies issued after 2006.

There are special provisions for both active duty military and those whose spouse died during the tax year. 2) Moving Costs - If you are moving because of a new job or taking another position with your current employer in another locale (at least 50 miles further away from your home than your previous job was), you may be entitled to moving cost tax deductions.

ADDITIONAL TAX BENEFITS FOR HOME OWNERS

3) You are able to deduct mortgage interest, points paid, and real estate property taxes you paid during the closing.

Home Energy Credits - You may be entitled to a tax credit of up to 30% of the installation cost of geothermal heat pumps and solar/wind energy systems. Unless the laws change, these credits will expire at the end of 2016.

Items such as advertising costs, attorney and Realtor fees, escrow and title services, administration fees, and many other closing costs are not permissible deductions (they may be allowable for the new buyer though).

Home Improvements - Improvements required for medical care.

IMPORTANT: USE TRUSTED PROFESSIONALS FOR ADVICE

Home Office Deductions - If the space, up to 300 square feet, is regularly and exclusively used for business purposes.

Always consult with a tax professional before finalizing your annual tax filings to make sure your homeowner deductions are done properly. If unsure who to contact, please give me a call and I can provide a listing of resources for you to contact to get further information and help.

Deductions not allowed for a personal (primary) residence: 1) 2) 3) 4)

Dues to a homeowners association Insurance on your home Appraisal fees for your home The cost of improvements to your home, except in the relatively rare case where they qualify as a medical expense.

Bruce Ballantine is a Seniors Real Estate Specialist and Certified Senior Advisor and Realtor Associate for Evergreen Realty. CalBRE #001783833. He can be reached at (949) 632-2923 or bruce.evergreen@cox.net

DEDUCTIONS ON THE PURCHASE OF YOUR HOME If you purchased your home in 2015, these are some costs that can be deductible: MARCH 2016

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Long-term Care Simplified By C. Lawrence “Larry” Thomas

There is a lot of misunderstanding regarding long-term care. Some people confuse it with medical services and think that it is at least partially paid for by Medicare. It is not.

L

ong-term care does not include medical care. Rather, it is assistance with the “acts of daily living” (called ADLs) such as eating, bathing, dressing, continence (inability to control one’s bowel or bladder function), transferring (getting in or out of a chair or bed), and toileting. Assistance with these activities does not require a medical professional such as a nurse, medical technician, or physician. Further, long-term care may be provided at the person’s home, in a facility such as a “nursing home,” or in a “day-care” setting. In many families assistance with ADLs is taken care of by a family member until the assistance requires physical strength beyond the caregiver’s (such as lifting or carrying person needing assistance). At that point the person needing assistance can be better cared for by professionals, either at home or in a facility.

Some folks believe that they will never need long-term care. The fact is statistics show that 75% of us will need at least some long-term care. This care is generally paid for in one of three ways: the person needing assistance spends from their estate; longterm care insurance is purchased to finance the care; and, if the person needing care is impoverished (has reduced their assets and has low income), MediCal (California’s Medicaid program) may cover their long-term care needs in a contracted facility.

In many cases the person needing assistance does not want their spouse or their child to attend to these duties. They do not want to impose or “be a burden” on their loved ones. Paying a professional caregiver for these services preserves their pride and independence. Usually the need for long-term care services starts gradually and can easily be done at home. It is not unusual for a family member provide the care during the early phase when the person needing care is ambulatory and can handle many of the ADLs without assistance. As the need intensifies, a professional caregiver is added. Eventually the professional caregiver’s assistance is required for most of the care, perhaps in a facility.

For the people who think they may not need longterm care, there are policies available s that cover these expenses if needed and have a life insurance feature so that if long-term care is not needed, the long-term care pool of money left over is passed to heirs. There are many options available for financing long-term care needs. We are prepared to assist you in understanding your choices at no cost or obligation to you. Just call (949) 374-3316.

As the foregoing progression occurs, so does the cost of the care. In Orange County the average daily rate for a nursing facility runs between $190 and $220 per day and is growing at 3.2% per year. It is, therefore, very important to plan for this eventuality.

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 ltinsurance@me.com. CA Insurance License # 0C79256.

The fact is statistics show that 75% of us will need at least some long-term care. MARCH 2016

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INSURANCE SERVICES FOR SENIORS AND THOSE APPROACHING Medicare/Health Insurance Marketplace-Covered Calif./Life

Call STEPHANIE FRISCH 949.351.2443

(CA Lic: 0F18674)

InsuranceEducation@att.net | www.YourInsuranceEducation.com Long-term Care Coverage/Annuities/Life Insurance

Call LARRY THOMAS, 949.374.3316 (CA Lic: 0C79256)

ltinsurance@me.com | www.lawrencethomasins.com

Subject of the Month: Financing Long-term Care Services Financing long-term care services (assistance with eating, dressing, bathing, toileting, and transferring – i.e., from a bed to a chair and walking) either in a facility or at home can be very costly; $7,000 to $10,000 per month is common today. There are three choices for financing this assistance: Choice 1, Self-fund: Liquidate and spend your personal assets or receive personal or financial assistance from family or friends. Choice 2: Liquidate and spend your personal assets until you qualify for MediCal long-term care coverage which will pay for all or part of you care depending on you personal situation. Choice 3: Fund this care through an insurance company by the purchase of either long-term care insurance or innovative long-term care coverage combined with life insurance or an annuity With this choice, if you never need long-term care or don’t use the entire benefit, you still have the end-oflife benefit that will transfer to your beneficiaries. For details, give us a call. There is never a charge for information or consultations.

MARCH 2016

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The Topr Fou

S TH

Y M

By Debbie Hutchinson, Psy.D

T

as they feel ashamed that they are too weak to tackle their health on their own.

o truly end the stigma surrounding mental health, it’s important to understand the truths behind the causes, symptoms, and treatments of these disorders. It’s imperative to dispel the myths surrounding these illnesses in order to eradicate the fear and misconceptions so prevalent in older adults. Debbie Hutchinson, Psy.D., Manager of Outpatient Behavioral Health Programs and the Psychiatric Emergency Team at the Laguna Beach campus of Mission Hospital, identifies the following as common misperceptions about mental health:

3. MENTAL ILLNESS IS A RESULT OF A BAD CHILDHOOD. While notable life experiences, like traumas and abuse, can certainly play a role in the development of a mental disorder. These ailments cannot be written off as solely being the result of poor parenting or a bad childhood. There are other biological and personal risk factors, such as a chemical imbalance or genetic susceptibility that have to be factored in when considering the root cause.

1. OLDER ADULTS WITH A MENTAL ILLNESS ARE MORE PRONE TO VIOLENCE.

4. OLDER ADULT MENTAL HEALTH PROBLEMS CAN’T BE HELPED.

When a tragic and violent crime occurs, people are too often quick to blame mental health as being the driving factor. Unfortunately, this only further perpetuates the stigma that those with mental health disorders are unpredictable, prone to violence, and can’t be trusted. Results of several studies have been inconsistent in proving whether mental illness or substance abuse is contributing to violent behavior. Multiple factors come into play such as family history and life stressors like divorce. It is hard to identify what exactly causes violent behavior.

Treatment varies for every individual, but a combination of medication, therapy, and a solid support system is generally the recipe for helping people with mental health challenges to lead happy, healthy lives. These are serious illnesses that require ongoing and comprehensive care, in which social support plays an extremely important role. Being surrounded by friends and family that understand what you’re going through can make all the difference-something as simple as running small errands, driving you to their appointments, or picking up medication, can be exactly what you need.

2. MENTAL HEALTH ISSUES, LIKE DEPRESSION OR ANXIETY, ARE ALL IN YOUR HEAD. THEY’RE NOT AS SERIOUS AS CANCER OR HEART DISEASE. Mental health issues are not caused by personal weaknesses. It’s not uncommon for older adults with depression or anxiety to hear something along the lines of “snap out of it” or “you’ll get over it,” but that’s not how it works. Comments like these discourage you or older loved ones from being open to seeking necessary help, MARCH 2016

Debbie Hutchinson, Psy.D., is a manager, outpatient behavioral health programs and the psychiatric emergency team at Mission Hospital Laguna Beach. For additional information, visit http://www.mission4health.com/. 32

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Understanding Sleep Apnea & Available Treatment Options By Scott E. West, DDS

Are you experiencing Daytime Tiredness, Morning Headaches, Mood Changes or Depression? Do you Snore? These symptoms are indicators of Sleep Apnea.

W

hen you share these symptoms with your physician he most likely will schedule a Sleep Study for you. Your doctor knows that patients with Sleep Apnea have a high potential of developing Heart Disease, Diabetes, Dementia, and Stroke. Why does Sleep Apnea cause so many medical problems? Essentially, Sleep Apnea deprives you of oxygen. Oxygen deprivation puts pressure on your cardiovascular system. This may lead to Diabetes, or Stroke. Deprivation of oxygen to the brain can also lead to Dementia, Depression, and obviously Tiredness. A Sleep Study allows your Doctor to assess the severity of your situation. As we age, the risk for developing Sleep Apnea gets higher. And, why is this? Most of us gain weight as we age. Do you weigh the same as you did at 21?

My practice website is www.CannotUseCPAP.com. There you will learn why the first alternative for treating Sleep Apnea is an Oral Appliance - something similar to a dental retainer that is worn on your teeth while sleeping to prevent Sleep Apnea.

This increased weight tends to close off the airway while sleeping, thus depriving your body of oxygen. Also, as we age, tissues collapse; this again tends to close off the airway. An expression I like to use is “Gravity Sucks.”

If you have symptoms of Heart Disease, Morning Headaches, Snoring, Tiredness, or Depression, you should schedule an appointment with your physician regarding Sleep Apnea. If you have already been diagnosed with Sleep Apnea, and cannot wear the CPAP, call my office today to schedule a FREE CONSULTATION. You have nothing to lose and everything to gain – including a good night’s sleep and better health.

The recommended treatment for Sleep Apnea is the CPAP mask. CPAP stands for Continuous Positive Air Pressure. Air pressure generated by the CPAP keeps the airway open and therefore avoids the negatives of oxygen deprivation. However, I see many seniors who find the CPAP mask too difficult to wear. Despite knowing it’s benefits, I’ll frequently hear from patients, “I just can’t wear it. I know it will help me, but I can’t do it.” That’s where I com in!

My staff can answer any questions you may have regarding Oral Appliance Therapy, schedule your free consultation, and review the use of Medicare or Insurance.

I am a Diplomate of the Academy of Clinical Sleep Disorder Disciplines. I have worked closely with most of the Sleep Centers and Doctors in Orange County and they have witnessed my high success rate. With over 10 years experience is this field, I have developed a system to determine which dental appliance holds the best odds of successfully treating your Sleep Apnea. MARCH 2016

For more information, visit www.CannotUseCPAP.com or call (949) 829-6700 for a FREE consultation. 34

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Contemporary Italian Cuisine 949.388.3525 • 32840 PCH, Suite B • Dana Point

949.388.3525 • Monarch Bay Plaza • Dana Point Same location, city changed the address.

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Full Premium Bar Italian & California Wines ENTERTAINING MADE EASY! Let Us Do the Cooking For You Catering & Takeout

949.443.1476 24050 Camino Del Avion • Dana Point

www.briorestaurant.com MARCH 2016

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Your Vulnerable Brain

Bumps to the head can impact your brain for years to come

H

by Mary McPherson

ow many times have you bumped your head throughout your lifetime? My granddaughter slipped and fell on a marble floor running through the kitchen in her socks when she was three years old - the blow to the back of her head sent blood flying in all directions. Rushing her to the hospital, we realized she was going to have a concussion. She will never remember that incident, yet in that moment the Neuro Net of her brain went into shock and her brain activity ramped up to start the healing process.

Concussions or head injuries from sports, automobile accidents, hard blows to the head, falling and hitting your head – almost everyone either has a similar story or knows someone who experienced a head injury. When I was a young girl I was hanging upside down from the top of the swing set and fell straight on my head. What we don’t often realize is these blows to the head can create a number of conditions that will develop in the months and years following the injury - ADD, headaches, anxiety, depression and many more. In fact we’re seeing it now with our professional athletes where research studies are finding that so many repeated blows to the head from playing football, soccer, etc. has a lasting adverse effect on the Neuro Net.

Often times the impact of the injury isn’t apparent immediately after the injury – in the weeks and months after a blow to the head, look for signs of stuttering, lack of concentration, possibly drifting off (or what we would call daydreaming), irritability, defiance, disassociating with friends and even feeling anxious and argumentative. If you notice yourself or your child exhibiting any of these symptoms or behaviors after a blow to the head there is help. Having a brain assessment after an injury is a helpful tool to see if the injury has actually created damage to the neural pathways.

Mary McPherson is the founder of the San Juan Capistrano-based Awoken Life Brainwave Optimization, where she helps adults and children achieve brain balance and harmony in order to live healthier, happier, and more abundant lives. Neurotechnology “Brainwave Optimization” helps the brain to reconnect the neural pathways after an injury. Connect with Mary and Awoken Life by calling (949) 661-6909 or visit www.awokenlife.com.

MARCH 2016

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Purchase one entree plus 2 beverages at regular price and receive 50% off 2nd entree of equal or lesser value. Not valid on weekends or holidays or with any other coupon, specials or private groups. Limit 1 per coupon, 1 per table. Valid only Mission Viejo location.

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March Events

Dining & Entertainment Guide MARCH 1

Wicked WICKED is “Broadway’s biggest blockbuster” (The New York Times). Long before that girl from Kansas arrives in Munchkinland, two girls meet in the land of Oz. One—born with emerald green skin—is smart, fiery and misunderstood. The other is beautiful, ambitious and very popular. How these two grow to become the Wicked Witch of the West and Glinda the Good makes for “the most complete—and completely satisfying—musical in a long time” (USA Today). Segerstrom Center for the Arts. 600 Town Center Drive, Costa Mesa.

MARCH 3

First Thursdays Art Walk Laguna Beach The art season in Laguna Beach flourishes year round with First Thursdays Art Walk. This educational monthly art event, held on the first Thursday of every month from 6 – 9pm, celebrates the diverse cultural art scene of Laguna Beach and is free to the public. PCH Laguna Beach.

MARCH 6

Dana Point Festival of Whales Mark you calendar for two weekends of fun and festivities – March 5 & 6 and 12 & 13 in beautiful Dana Point Harbor as we celebrate the 45th Dana Point Festival of Whales. Located at the Dana Point Harbor, Dana Point.

MARCH 7

Academy of St. Martin in the Fields Led by Grammy Award-winning virtuoso violinist Joshua Bell, the Academy of St Martin in the Fields has an international reputation for its distinctive, polished and refined sound. Their program features a long-lost Benjamin Britten arrangement of the second movement of Schumann’s Violin Concerto, the Elegy for Orchestra (arranged as an elegy in memory of Dennis Brain). Segerstrom Center for the Arts. 600 Town Center Drive, Costa Mesa.

MARCH 4

El Presidente Ball Journey back to the late 1800’s of early California and let the Fiesta Association show you How the West was Fun in San Juan Capistrano. All colorful characters are welcome and encouraged to come dressed in Western, Spanish, Mexican or early California attire. Enjoy some great food and old-fashioned fun while dancing under the stars to live countrywestern style music. Begins at 6PM, $65 (pre-purchase only, no tickets available at the door). El Adobe, 31891 Camino Capistrano.

MARCH 5

Dana Point Farmers Market and Craft Fair 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.-2 p.m.

MARCH 8

Taco Tuesday Ricardo’s Place Mexican Restaurant. 32082 Camino Capistrano San Juan Capistrano. 11am-9pm (every Tuesday).

MARCH 9

Fiesta Grande A night of Wild West entertainment! Four contests are rolled into one evening of fun at the Fiesta Grandé. This is the kick off of the culmination of the Swallow’s Day Parade Season. Join your friends and make new ones at this care-free evening of fun. 31786 Camino Capistrano, San Juan Capistrano. 6PM, FREE MARCH 2016

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MARCH 10

Tchaikovsky’s Fifth Featuring sumptuous tone and melodic mastery, Tchaikovsky’s Fifth Symphony culminates in a triumphant final movement. Before that, enjoy the irresistible rhythms of Spain in Rodrigo’s “Fantasy for a Nobleman” featuring guitarist Pablo Villegas. Segerstrom Center for the Arts. 600 Town Center Drive, Costa Mesa.

MARCH 11

Hoos’Gow Day Hoos’Gow Day is a San Juan tradition! Bringing a taste of the Wild, Wild, West back to San Juan Capistrano. The ‘Sheriff’ and the ‘Deputies’ of the Fiesta Association are dressed in their traditional black and white western garb while they roam the town in search of city slickers. If you’re not wearing western wear, watch out! You might just be roped into the fun! The Streets of San Juan Capistrano, San Juan Capistrano. 9:00 AM. Free admission.

MARCH 12

Stand-Up - First Rate Comedy! Event Description: Join us for an evening or an entire season of side-splitting laughter. Our monthly Second Stage Stand-up Comedy is guaranteed to put a smile on your face and keep you laughing long after the evening ends! Featuring comedians from television, radio, and comedy clubs across the U.S. Located at The Camino Real Playhouse/ Stage II Theater. 31776 El Camino Real, San Juan Capistrano. Begins at 7:30 PM. $15 per person (reservations recommended)


MARCH EVENTS GUIDE 2016 Swallow’s Day Parade & Mercado Annual Swallow’s Day Parade & Mercado. Mercado runs 8:00 AM to 5:00 PM. Parade starts at 11:00 AM. Historic Downtown San Juan Capistrano, San Juan Capistrano. Cost: Free. Food and beverage can be purchased.

Strand. Check in at the HB International Surfing Museum Parking Lot for a map of artists and locations so you can begin your self-guided tour. 6-9pm. Main Street & The Strand 315 3rd Street, Suite E. Huntington Beach

MARCH 24

MARCH 18

Live Music Live Music at Villa Roma Argentine & Italian Cusine. 25254 La Paz Laguna Hills.

Live Music Live Music at Villa Roma Argentine & Italian Cusine. 25254 La Paz Laguna Hills.

MARCH 19 MARCH 13

Dana Point Festival of Whales Mark you calendar for two weekends of fun and festivities – March 5 & 6 and 12 & 13 in beautiful Dana Point Harbor as we celebrate the 45th Dana Point Festival of Whales. Located at the Dana Point Harbor, Dana Point.

Saint Joseph’s Day at the Mission Live music, community presentations, Special Guest “Swallows Speakers”, Mission Basilica School performances, ringing of the historic bells and History of St. Joseph’s Day and Swallows Legend. Located at The Mission San Juan Capistrano, Ortega Hwy.

Creative Edge: Charles Limb Neuroscientist and musician Charles Limb wondered how the brain works during improvisation—so he put musicians into an fMRI and discovered profound implications for our understanding of creativity. 10 am located at Segerstrom Center for the Arts. 600 Town Center Drive, Costa Mesa.

MARCH 20

MARCH 15

MARCH 21

MARCH 17

Dover Quartet The young players of the Dover Quarter – winners of the 2013 Banff International String Quartet Competition – make their Center debut with selections from Mozart and Shostakovich. 8pm located at Segerstrom Center for the Arts. 600 Town Center Drive, Costa Mesa. HB DOWNTOWN ART WALK The Huntington Beach Downtown Art Walk is held on the 3rd Thursday of each month from March to October held from 6-9pm. Between 35 - 50 artists fill the sidewalks on Main Street between PCH and the Art Center and also on The

MARCH 25

MARCH 27

Easter Brunch at Sarducci’s Capistrano Depot Enjoy a traditional Easter feast or other fabulous brunch choices in historic downtown San Juan Capistrano. Meal options include champagne. Eat early, then enjoy the beautiful weather with a stroll by the mission and through the Los Rios Historic District. 26701 Verdugo Street San Juan Capistrano. For reservations call (949) 493-9593. Laguna Niguel/ Aliso Viejo Farmers Market Local honey, lots of fruit, and a vast array of Asian and Western greens are among the draws. Many prepared foods, but no crafts and/or other non-food items. 9am1pm. 27068 La Paz Road, Aliso Viejo.

MARCH 14

Taco Tuesday Ricardo’s Place Mexican Restaurant. 32082 Camino Capistrano San Juan Capistrano. 11am-9pm (every Tuesday).

Happy Hour at Bar Top- Casanova Ristorante. 33585 Del Obispo 3:30-pm. (Nightly)

San Clemente Farmers Market Bundles of flowers, fresh produce and much more every Sunday on Avenida Del Mar. Rain or shine. 9 a.m.–1 p.m.

Happy Hour Half off appetizers and wine at Brio Tuscany Grill . 24050 Camino Del Avion, Dana Point. 3:30-6:30pm.

MARCH 22

Surf City Nights is a Weekly Street Fair and Certified Farmers Market Every Tuesday from 5 pm to 9 pm, 90 vendors presents unique handcrafted wares: furniture, jewelry, art, clothing, live music, street performers, community groups and kids’ activities.

MARCH 23

Capo Beach Farmers Market Visit the area’s latest weekly market where locally-grown, organic produce and regional artisans are featured. Noon-6 p.m. Capo Beach Church, 25975 Domingo Ave.

MARCH 30

Wine Wednesdays 50% Off Bottles of Wine at Tannins Restaurant & Wine Bar. 27211 Ortega Hwy, San Juan Capistrano. 6-9pm.

MARCH 31ST

The Book of Mormon This outrageous musical comedy follows the misadventures of a mismatched pair of missionaries, sent halfway across the world to spread the good word. Now with standing room only productions in London, on Broadway and across North America, THE BOOK OF MORMON has truly become an international sensation. Segerstrom Center for the Arts. 600 Town Center Drive, Costa Mesa.

Have an event to showcase? Email sara@sorbetsocal.com MARCH 2016

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Pulp Fiction in The Spotlight!

By Beverly Blake and Tom ScoTT (porTionS included from The vinTage liBrary) “Pulp Fiction” is a term used to describe a huge amount of creative writing available to the American public in the early nineteen-hundreds. Termed “pulp magazines” because of the low quality paper used between the covers, these publications proliferated in the 1930s and 1940s to the point where they blanketed newsstands in just about every popular fiction genre of the time.

Although the pages in-between the covers were a dingy cheap quality, the covers were beautifully decorated, many times with lurid portraits of pretty women in various stages of trouble, and the handsome men attempting to rescue them. By under-paying writers and publishing on in-expensive media, pulp publishers were able to charge 10 cents for an issue containing several stories. Low prices drew in many working-class

young adults and teenagers, who could not otherwise afford some of the pricier magazines of the day. The low price of the pulp magazine, coupled with the skyrocketing literacy rates, all contributed to the success of the medium. Pulps allowed its readers to experience people, places, and action they normally would not have access to. Biggerthan-life heroes, pretty girls, exotic places, strange and mysterious villains all stalked the pages of the many issues available to the general public on the magazine stands. World War II brought paper rationing and increased paper prices. Also, some believe that the real horrors of the war replaced the fictional horrors found between the cover of the pulps. The once popular magazines began to lose readership and disappeared from the newsstand, one-by-one. Playwright Don Fried has taken advantage of the dilemma those writers faced to create the premise for his play Bodice Ripper. His protagonist is attempting to make the change from Pulp Fiction to an upcoming genre, Romance Novels. When his previous characters refuse to be forgotten pandemonium ensues!

2015 - 2016 SEASON

Previously staged in London, the U. S. Premiere of Bodice Ripper opens in Stage II at Camino Real Playhouse on March 18th for a three weekend run.

MAR 4 Delfeayo and Ellis Marsalis Quartet: The Last Southern Gentlemen Tour Built on the intimacy of American ballads, this performance is an acknowledgment of the importance of these sweet, gentle sounds. MAR 6

Richard Goode, Solo Piano One of today’s leading interpreters of Classical and Romantic music. An all-Bach program.

MAR 12 Gomyo/Poltéra/Pohjonen Trio Program includes Haydn, Janácek and Dvorák. APR 1

Storm Large and Kirill Gerstein The sensational chanteuse Large and renowned pianist Gerstein perform American songbook classics. 1 University Drive Aliso Viejo, CA 92656 949.480.4278

tickets@soka.edu | www.performingarts.soka.edu MARCH 2016

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Classes around OC:

Arts & Crafts, Entertainment, Fitness and More! Community & Susi Q Center

Restorative Yoga with Roz – Tues 7 pm- 8 pm Cardio Hip Hop Wed 6:45 pm- 7:45 pm

*Yoga/Mat-Pilates – Fri 1:30 pm - 2:45 pm *Bead Weaving Class Fri 10 am - 11:50 am

*Gentle Yoga Class Wed 11:30 am-1 pm *Int./Adv. Watercolor Thu 1 pm - 4 pm *Yoga Fitness Mon 9 am - 10 am

Laguna Woods Village Community Center

Lakeview Senior Center Woodbridge Community Park

PC Computer Workshop - Mon 10 am- 4 pm & Sat 10 am- 1pm Table Tennis (Novice) Th 9 am-10 am Table Tennis (Intermediate) Tues 1 pm-2 pm Table Tennis Robot Lessons Mon 2 pm- 3 pm

*Intermediate Chair Exercises Fri 9 am – 10 am *Intermediate Chair Exercises Mon 9 am -10 am *Beginning Chair Exercises Tues 9:30 am -10:30 am *Beginning Chair Exercises, Weds 9 am-10 am *Country Line Dance Mon 10:30 am - 11:50 am *Country Line Dance Thu 9 am-10:20 am *Country Line Dance Fri 10:30 am - 11:50 am *Creative Writing Weds 1 pm - 3:50 pm *Piano- Beginning Mon 11 am – 2 pm *Piano- Intermediate Mon 2 pm-5 pm *Watercolor Painting (Beginning) - Fri 9 am- 12 pm

380 Third Street Laguna Beach (949) 497-2441

Florence Sylvester Memorial Senior Center 23721 Moulton Parkway Laguna Hills (949) 380-0155 *Bead Weaving – 10 am - 11:50 am

Norman P. Murray Community and Senior Center 24932 Veterans Way Mission Viejo (949) 470-3062

Park Walks Mon-Wed Fri at 8 am Outdoor Tai Chi (Basic Beginning) - Mon 9 am Croquet competition Tues 9 am Playground with Grandkids Weds 9 am Lawn Bocce Ball - Thurs 10 am Singles Evening Stroll Fri 6 pm

Bell Tower Community Center 22232 El Paseo Rancho Santa Margarita (949) 216-9700 Zumba with Tania Mon 7 pm – 8 pm Zumba with Tania – Wed 7 pm – 8 pm AM Yoga with Roz Mon 8:30 am - 9:30 am AM Yoga with Roz Fri 8:30 am - 9:30 am PM Yoga with Roz Tues 6 pm- 7 pm

24351 El Toro Rd Laguna Woods (949) 597-4267

20 Lake Road Irvine (949) 724-6900

Leisure World Community Services 24351 El Toro Rd Laguna Woods (949) 597-4659

Fitness Center - Mon, Weds and Fri from 6 am – 5 pm Tues and Thu from 6 am – 7 pm Sat from 6 am – 2 pm

City of Lake Forest Senior Center 25550 Commercentre Drive Lake Forest (949) 855-9444

Anaheim Senior Center

B-I-N-G-O - Th 10 am-2 pm Foot Peddlers Walking Club Mon 10:30 am Senior Bowling League at Forest Lanes Fri 1 pm- 3:30 pm

Rancho Senior Center 3 Ethel Coplen Way Irvine (949) 724-6800

* Aerobic Strength And Pilates - Tues 2:30 pm - 3:45 pm * Aerobic Strength And Pilates - Th 12 pm-1:15 pm MARCH 2016

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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.

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170 S. Olive St. Orange (714) 538-9633

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Martin J. Lombrano, AIF®, is a LPL Financial Advisor and PERSONAL FINANCIAL PLANNER(tm) (PFP) with over 20 years of experience in the financial planning field. Martin has served as the owner and president of his own financial planning firm in Irvine. In 2007, he joined Pence Wealth Management and LPL Financial. Martin has extensive experience in insurance, charitable giving, asset management, retirement planning, as well as growth and preservation of retirement assets. Martin has been honored numerous times as a top advisor within the independent brokerage and advisory community. He believes listening, trust, persistency and service are the foundation of lasting relationships and success. CA Insurance Lic # 0828215.

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 1⁄2 are subject to a 10% IRS penalty tax and surrender charges may apply. LPL Financial Representatives offer access to Trust Services through the Private Trust Company N.A., an affiliate of LPL Financial. Co-Sponsored by Lincoln Financial.


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