Lovin' Life After 50: Tucson - November 2017

November 2017 | Tucson

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Real Top Gun

History in motion

A three-war veteran’s untold story

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Retirement Finances Advice from the experts

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inside THIS ISSUE

8 Finances After 50

Expert advice on estate planning and real estate issues

Opinion 5 12 14

18

6 7

Straus’ Place

Celebrating Tucson Ask Gabby Gayle

Features Investing

Seven questions to ask before you invest

Real Top Gun

After serving in three wars, Army veteran Richard Michaud is finally opening up.

Entertainment Dan + Shay

Country duo opens up on new album.

18 Calendar of Events 22 Tinseltown Talks

Valerie Harper tackles Alzheimer’s.

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HMO charts

A breakdown of HMOs responsible for Medicare coverage

23 Hat Tip

A collector shares her millinery passion.

26 Trivia Contest 28 Puzzles

Travel 30 Ed Boitano

36 Four Days In Berlin

To live and dine in Bologna

History in motion

Dining 38 Pinnacle Peak Steakhouse It’s a rancher’s life for us.

39 What’s Cooking?

Pasta with Italian sausage and pumpkin sauce

Columns 40 Ask the Expert 41 Arizona Relay Service Publishers

Steve T. Strickbine Steve Fish

42 Smart Money 44 Arizona Senior Olympics

Calendar Editor

Administrator

Graphic Designer

Contributors

Christina Fuoco-Karasinski

Executive Editor Tonya Mildenberg Senior Account Niki D’Andrea Executives Travel Editor Lou Lagrave Ed Boitano

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Editor’s Note If I had a dollar for every maxim about money, I’d be ready to retire. Money doesn’t grow on trees. Love of money is the root of all evil. Money is no object. Money talks.

Time is money. Show me the money. And, perhaps most well-known, “Money can’t buy happiness.”

All of those maxims may be true to some degree, and maybe money can’t buy happiness – but it sure does buy a lot of things that make life easier and more enjoyable, like food, medicine, entertainment, clothing and other goods. Monetary security is more important than ever as we age, which is why this issue of Lovin’ Life After 50 focuses on finances. From investment questions and downsizing dilemmas to property decisions and estate planning, the fiscal issues facing folks over 50 seem legion. Luckily, there’s an entire industry of experts available to offer advice and assistance. Our “Finances After 50” feature includes input from estate planning

attorneys Morris Hall, and real estate options available through companies like Lydon Senior Pathways.

But since “money isn’t everything,” we also introduce you to some amazing folks in this issue – like Mesa resident Richard Michaud, a veteran of three wars (World War II, the Korean War and the Vietnam War) and founder of the International Dutch Oven Society. Michaud exemplifies the zest for life that we try to promote here at Lovin’ Life. Because while choosing between a Roth IRA or a 401k can have an important impact on your postretirement days, a long life well-lived is priceless.

Niki D’Andrea Executive Editor

Courtney Oldham

Keridwen Cornelius, Jan D’Atri, Marilyn Hawkes, Kenneth LaFave, Gayle Lagman-Creswick, Jimmy Magahern, Irene Stillwell, Bill Straus, Jessica Suriano, Nick Thomas, Jeff Vogan

Gordon Wood

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Opinion Straus’ Place

Reuniting feels so good

BY BILL STRAUS Even though high school wasn’t my favorite of times, I’ve really enjoyed the reunions I’ve attended. I’ve gone to all but one, and last month I attended my 50th with that bunch. Wow! It’s funny how the texture of high school reunions has changed over half a century. At our 10th, I felt everyone was still kind of absorbed with careers, accomplishments and yeah… status.

Remnants of the high school “caste” system were still evident. But by the 30th, those remnants kind of disappeared. My classmates seemed more real to me.

Our 50th was a weekend of joy. Jon, who played the major role in organizing this extravaganza, has battled cancer for over a decade, yet worked tirelessly to make it the success it was. We had about 100 attend (out of a class of nearly 700).

We were all so happy – truly happy – to see each other that we basked in that warmth for two nights. I never enjoyed my old mates (with only one exception) so much. That appreciation for each other was never more evident than when we played a video showing those of our classmates who have passed away. We appreciated the mere presence of each other!

And what accomplishments my former mates achieved! We had at least three commercial pilots and maybe a dozen PhDs. Back in the ‘90s, Al was one of a handful of Americans who played a hands-on role in the handover of Hong Kong to China. Greg has captained a 75-foot charter yacht for decades. Dick became a teacher in California and has worked for the California Teachers Association for 22 years. Rick (who was in a band in which I was the drummer) has a PhD in psychology and specializes in sex offenders. Rick, in fact, couldn’t join us. He was in Las Vegas for a conference the day of the mass shooting and was called in to help Metro

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Police there in their investigation of the tragedy. So many stories.

But the story that resonated most with me was Charlie’s. Charlie was one of the very few minority students at Central in those days. Everybody liked him. I remember him as happy-go-lucky, charming and funny. But it was only at this latest reunion that I discovered the rest of the “Charlie story.” Back in the ‘50s and ‘60s, there was an unofficial dividing line in Phoenix. People of color lived predominantly south of Van Buren.

Many neighborhoods had covenants barring sales to minorities. But Charlie’s father was a mechanic out at Luke Air Base. He wound up as the personal mechanic for Barry Goldwater. One day, Barry asked him why he didn’t move to a nicer neighborhood, which he could afford. He said he would, but nobody would sell him a home in one of those neighborhoods. So, as was his way, Barry bought a house in the Grandview Elementary district and sold it to Charlie’s dad. And that’s how Charlie became our classmate. Oh, by the way, Charlie, who now lives in Vancouver, recently retired as the Associate Dean of Education at the University of Washington!

Whether reuniting – or even uniting for the first time – there’s nothing like a reunion!

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Celebrating Tucson

New device stops a cold as it starts New research shows you can stop a sician’s Assistant Julie. “No more colds for cold in its tracks if you take one simple me!”

Pat McAllister, 70, got one for Christstep with a new device when you first feel mas and called it “one of the best presa cold coming on.

Colds start when cold viruses get in ents ever. This little jewel really works.”

People often use CopperZap for preyour nose. Viruses multiply fast. If you don’t stop them early, they spread and vention. Karen Gauci, who flies often, cause misery.

But scientists have found a quick way to kill a virus. Touch it with copper. Researchers at labs and universities agree, copper is “antimicrobial.” It kills microbes, such as viruses and bacteria, just by touch.

That’s why ancient Research: Copper stops colds if used early.

Greeks and Egyptians used copper to purify water and heal used to get colds after crowded flights. wounds. They didn’t know about viruses Though skeptical, she tried it several times a day on travel days for 2 months. and bacteria, but now we do.

Researchers say a tiny electric charge “Sixteen flights and not a sniffle!”

Business owner Rosaleen says when in microbe cells gets short-circuited by the high conductance of copper, destroying people are sick around her she uses CopperZap morning and night. “It saved me the cell in seconds.

Tests by the Environmental Protec- last holidays,” she said. “The kids had tion Agency (EPA) show germs die fast colds going around, but not me.”

Some users say it also helps with sion copper. So some hospitals switched to copper touch surfaces, like faucets and nuses. Attorney Donna Blight had a 2-day doorknobs. This cut the spread of MRSA sinus headache. She tried CopperZap. “I and other illnesses by over half, and saved am shocked!” she said. “My head cleared, no more headache, no more congestion.” lives.

Some users say copper stops nightThe strong evidence gave Arizona inventor Doug Cornell an idea. When he felt time stuffiness. One man said, “Best sleep a cold coming on he fashioned a smooth I’ve had in years.”

The handle is sculptured to fit the copper probe and rubbed it gently in his hand and finely textured to improve connose for 60 seconds.

“It worked!” he exclaimed. “The cold tact. Tests show it kills germs on fingers so went away completely.” It worked again you don’t spread illness to your family.

Copper may even stop flu if used early every time he felt a cold coming on. He and for several days. In a lab test, sciensays he has never had a cold since.

He asked relatives and friends to try tists placed 25 million live flu viruses on it. They said it worked every time. So he a CopperZap. No viruses were found alive patented CopperZap™ and put it on the soon after.

Some users also report success in market.

Soon hundreds of people had tried it. stopping cold sores and warts.

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CopperZap is made in Arizona of the cold it is milder and they feel better.

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Tucson Couple Ups the Ante in Gratitude Department

BY BARBARA RUSSEK

“As we express our gratitude, we must never forget that the highest appreciation is not to utter words but to live by them.” – John F. Kennedy Did you know that November is National Gratitude Month? People show appreciation for their portion, whether simple abundance or overflowing cornucopia, in different ways, from giving dollars to the Food Bank to inviting a few folks without family in town to their Thanksgiving table.

Local residents Keith and Karen H., age 57 and 50 respectively, took Kennedy’s concept of gratitude a giant step further in 2012 when they fostered baby Mila and in 2014 adopted both Mila and her older sister Madison, who are now 6 and 7 years old.

Adoption is not a new concept for this couple. Their older son Michael, now 19, was also adopted.

But to understand how this second adoption of two in 2014 came to be, let’s

Q

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turn the story back a few chapters. Keith grew up in Globe, Ariz. and came to Tucson after graduating college. Karen, born in Tucson, moved to New Mexico but returned to Tucson after college. The couple were set up on a blind date and have been married 21 years.

As Karen explains, “We tried to have children for several years and didn’t. We then made the decision to become foster parents with the option to adopt .We got Michael through Arizona Foster Care and Adoption at seven months old. Michael’s adoption became final when he was two.”

Nature has a way of giving us wonderful surprises. Shortly after Michael’s adoption became final, Keith and Karen found out they were expecting! Their son Matthew is now 17.

Keith adds that the mutual decision to adopt again was an easy one, as he and Karen love being parents. I wanted to know more.

Barbara Russek, a local freelance writer, welcomes comments at Babette2@comcast.net

What were your reasons for considering a second adoption?

We both wanted to have more children.

There are so many kids who need loving, caring parents. In addition, our younger son Matthew started to talk about wanting a younger sibling. Equally important, we felt blessed by what we had to offer and wanted to give another child or children some advantages they may not otherwise have.

child under one year of age and got Mila at eight months old. Her l8-months-old sister was placed with a different family.

When it became evident that they would not go back to their birth parents, we decided to adopt them both. Their adoption became final on March 17, 2014. Today, these two energetic girls are a challenge to keep up with in this fast-paced world. But we so enjoy watching them grow up and participate in many family outings such as traveling, camping, hiking and swimming.

Q2

Q

Did you have any preferences on sex, age or number of kids?

After raising two boys, we both wanted a baby girl.

Q

you tell readers 3 Can briefly how you became parents of not just one but two girls, sisters Mila and Madison?

We were licensed to have one foster

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How did you know it would be a good fit?

We didn’t. It was a leap of faith!

Q5

For those interested in fostering/adopting, how can they contact Arizona Foster Care and Adoption?

For further information on AFCA, call (877) 543-7633 or email adoptuskids.org.

www.LovinLifeAfter50.com

Ask Gabby Gayle

Practicality first

BY GAYLE LAGMAN-CRESWICK

Q

Dear Gabby Gayle:

You recently addressed a letter from a person who was inquiring about destination weddings. My complaint (and I will not express this to my granddaughter) is the complicated events before the wedding.

They have come up with so many prewedding parties and trips, that even before the expensive wedding, they have spent thousands. I guess that is OK if they are wealthy; however, I am so practical that I believe these kids are spending dollars that would be better spent on a down payment for a home. Don’t you agree?

Signed, Practical Pat

A

Dear Practical Pat:

I have to admit that I have thought that many times, but alas, not one person asked my advice before planning their weddings! It is a different world out there now. I have wondered the same when children have elaborate birthday parties – what will they do for an encore when the children are grown?

It seems we are caught up in providing our kids with what we did not have as a youngster... and it keeps growing from generation to generation. When it will end, I do not know. I have to think it will someday!

GG

Q

Dear Gabby Gayle:

OK, so you said in your column that you do not have to go to church to be spiritual, in response to a person who was concerned about a friend who doesn’t go to church, but seems to be a very good person. I disagree with you.

Maybe because my husband is a minister, but going to church helps people stay on the straight and narrow. I believe it helps us make better choices, supports us in times of need, gets us closer to God. That is my two cents.

Signed, Wife of Preacher

A

Dear Wife:

I hope you did not think I was trying to discourage people from going to church. I will reiterate that I know very spiritual people who do not attend

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church. And I know people that don’t miss a church service who do not seem very spiritual to me. I think it is important to differentiate between two words: spiritual and religious. One can be spiritual without being religious and religious without being spiritual. I believe spirituality comes from the heart and is portrayed by how we treat our fellow man and live our lives. You realize this is just my opinion. It is not up to me to judge, thank God!

JOIN US Wellness Lectures

Q

I joined a dating site and have to say I have enjoyed it. I have met some nice women, even though I have not met anyone with whom I want to spend the rest of my life. I belong to a senior site, but there seem to be a lot of younger women on this site. I am not looking for a young woman and I question the site for letting them join a senior site.

My first thought is they are looking for a sugar daddy. Why do the sites do that?

A

I can vouch for the fact that they do the same on the female side. Why would a 50-year-old man want a relationship with a 78-year-old woman? I have children older than that. I have raised the question with the dating site and have yet to receive an answer. I will add again that some of these younger ones are scammers and will eventually ask you for money – after they think they have you in their pocket!

Be sure to report anyone whom you have detected to be a scammer. My advice is to ask them to coffee in a public place before you have too many chats. Then you can see for yourself. Scammers will tell you that they will be busy for the next month and then they can have coffee. Delete them!

I also look them up on Facebook, and if they have no friends or no photos, they are scamming. I also shy away from any guy that says he is looking for dating only and no relationship. Or any guy that says he is married but estranged from partner! GG

Special Events

Advance Care Planning: Managing Your Health Care Decisions Do you know what kind of medical care you would receive during an emergency – if you couldn’t speak for yourself?

If it matters to you, then join us to learn about advance planning and why it is so important.

TUESDAY, NOVEMBER 7 10a.m. – 11:30a.m.

Neurology Series: Are You Experiencing Vertigo or Dizziness?

Learn the causes and treatments for these neurological conditions with Stephanie Bourn-MacDonald, AuD, with Center for Neurosciences.

WEDNESDAY, NOVEMBER 8 2p.m. – 3:30p.m.

TMC One: Keep Up Your Game Carlos Borrás, MD, who specializes in sports medicine, will share how you can keep an active lifestyle (tennis, hiking, jogging, etc.) without it taking a toll on your body.

WEDNESDAY, NOVEMBER 8 5:30p.m. – 6:30p.m.

Orthopaedic Series: Newest Advances in Knee & Hip Replacements Join Ali Dalal, MD, with Tucson Orthopaedic Institute, for an interactive discussion highlighting current advancements in joint replacements available.

WEDNESDAY, NOVEMBER 15 10a.m. – 11:30a.m.

Essentials to Wellness: Spiritual Health Learn why having a strong sense of purpose is so important to your overall health and well-being.

WEDNESDAY, NOVEMBER 15 5p.m. – 6:30p.m.

Opioids & Older Adults: The Good; The Bad and The Ugly Neesann Marietta, MD, Robin Kloth, MD, and Steve Lampert, MD, with Old Pueblo Anesthesia, will share the facts about narcotic medications – how they can help and the side effects to watch out for.

WEDNESDAY, NOVEMBER 29 5:30p.m. – 6:30p.m.

Orthopaedic Series: Foot and Ankle Issues Don’t let foot and ankle discomfort slow you down for good.

Eric Anctil, MD, with Tucson Orthopaedic Institute, will share information and treatments for these common aging issues.

Signed, Senior and Proud of It Dear Senior:

Demonstrations

WEDNESDAY, NOVEMBER 1 2p.m. – 3:30p.m.

GG Dear Gabby Gayle:

Screenings

Registration Required VIEW MORE EVENTS & REGISTER:

tmcaz.com/seniors or 520.324.4345

TMC Senior Services EL DORADO HEALTH CAMPUS 1400 N. Wilmot Road

If you have a question for Gabby Gayle, send it to lagmancreswick@gmail.com.

NOVEMBER 2017 |

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Features

50

FINANCES

After

BY MARILYN HAWKES

The financial issues facing people over 50 are legion. Investment questions.

Downsizing dilemmas. Property decisions.

Estate planning. Creating a blueprint for one’s financial future late in life can seem daunting; luckily, there are a plethora of professionals who specialize in these topics and can offer advice in almost any area.

Downsizing and Selling the House: Lydon Senior Pathways

Experts can help you map out your next moves.

About eight years ago, Scottsdale realtor Thomesa Lydon found herself in the middle of a crisis. Her elderly parents, who lived 1,000 miles away, became unable to care for themselves independently due to health issues. Suddenly, Lydon and her sister were thrust into making important decisions for her parents about where they would move, what they would keep and what they would discard. “It broke my heart,” she says.

While trying to navigate “a disjointed web of unknown service providers,” Lydon and her sister felt frustrated and alone and had no one to guide them.

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The experience prompted Lydon to take her real estate business in a new direction and she founded Lydon Senior Pathways, a one-stop senior relocation service that helps seniors plan for the “next living chapter in their lives.” She is affiliated with Realty One Group.

Lydon often invokes what she calls the 60/40 rule – when parents are in their 60s and the children are in their 40s – as the time when families should have a conversation about what will happen down the road. “While I’m still in control, I want my family members to know what my intentions and desires are for the future,” Lydon explains.

She offers a free one-hour consultation to assess the family’s living situation and then advises them on how to plan accordingly. “It’s important to instill in people not to wait until it’s too late when the transition is more difficult for all parties,” she says. In some cases, the house has become a burden due to maintenance and financial concerns.

As a real estate professional and former interior designer, Lydon can help seniors decide the right time to sell, assess the condition of the home and advise them if repairs are necessary or if they should sell “as is.” She can stage the home by arranging furniture and accessories to create greater appeal for potential homebuyers.

Lydon is also a certified senior move manager and can help seniors organize, sort and decide which items to donate, pack or disburse to family members. She encourages seniors to find their “story items,” and express in writing or on video why they’re significant. “If you’re downsizing, it’s important to capture the essence of who you are in the items that you take with you,” she says. “Everything has a story.”

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Sorting through items can be overwhelming, Lydon says. She advises clients to start in one room, “the least emotional room,” and don’t quit until you’re finished.

“When you’re going through items, pick them up and ask: Does it have value? Does it have purpose? Does it bring you joy?

If you can’t answer yes to at least one of those, then get rid of it,” she says.

When the time comes for the move, whether to a smaller house or a senior community, Lydon makes sure there’s no lag time in between so her clients aren’t living out of boxes or in a state of uncertainty.

“It’s a process from consultation to close of escrow,” she says.

“I’ve helped hundreds of clients navigate the waters of late-in-life transitions,” Lydon says. “I think my heart, compassion and caring for their well being comes across. I help them thrive, not just survive.”

For more information, call 480-375-1974 or visit lydonseniorpathways.com.

Estate Planning: Morris Hall

I’m an experienced matchmaker who qualifies and background checks all my clients, providing a confidential and safe dating experience.

Karen Stein, Owner

Thomesa Lydon’s company, Lydon Senior Pathways, assists with late-in-life real estate transitions.

Andrea Claus is principal attorney and partner at the Scottsdale branch of Morris Hall, which focuses exclusively on estate planning. (Courtesy Morris Hall PLLC)

When it comes to estate planning, there’s not a one-size-fits-all solution, according to Andrea Claus, principal attorney and partner at the Scottsdale branch of Morris Hall PLLC, an Arizona and New Mexico law firm that specializes in estate planning.

At Morris Hall, attorneys make estate plans for everyone – from people with large portfolios and real estate holdings to those with smaller assets. When meeting with new clients, the attorney will determine what’s best for each situation and will discuss everything from establishing a revocable living trust and state and federal estate taxes to divorce and creditor protec-

Finances...continued on page 10 www.LovinLifeAfter50.com

— Bogdan Zvoristeanu, Classical violinist in Geneva

”

—

Art That Connects Heaven and Earth

www.LovinLifeAfter50.com

NOVEMBER 2017 |

9

Finances...continued from page 8 tion and community property issues.

In addition, Morris Hall attorneys can help clients with legacy planning, power of attorney, probate and estate administration, wills and many other issues pertinent to estate planning.

Claus talks with new clients not only about financial goals and assets, but also about family dynamics. “Everybody’s got a horror story of the family that fell apart after mom or dad died and unfortunately that does happen,” Claus said. “We try to make sure all of those issues, including potential family issues, are addressed. That’s important.”

Comprehensive estate planning ensures the client’s wishes will be carried out after he or she dies and will make the transfer of assets as easy and efficient as possible, Claus said.

But when a person dies without an estate plan, they die intestate (without a will) and his or her assets will be divided by the state. In Arizona, as in all states, there’s a formula for intestate succession, starting with the person’s spouse and children.

For those who already have an estate plan, Claus recommends reviewing the plan every few years to make sure there haven’t been any changes in the law that

might impact what they have in place. As part of the review, Claus also examines the client’s finances and personal relationships to learn about any changes: “Estate plans tend to be a little like cars. They need maintenance.”

Claus enjoys estate-planning law because she gets a chance to be the “good guy.”

“I do everything in my power to keep things out of court and to make sure someone’s assets go to whom they want, when they want with the least amount of expense and issue when they pass,” she said.

For Claus, helping families through probate and trust administration is also very rewarding. “You get a chance to help someone through a dark hour.”

Morris Hall sets itself apart by being a relationship firm, rather than a transactional firm. “I speak for every attorney here when I say we get to know families,” Claus said.

“We look at everything comprehensively.

I’m not just drafting a document and our business is done. We remain connected.”

While other firms may include estate planning in their collective portfolio, Morris Hall attorneys are solely devoted to helping clients manage their estate plans. “We’re not doing a little bit of bankruptcy and a little bit of DUI; our focus is 100 percent estate planning,” Claus said. “That allows us to be ex-

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Theron M. Hall, Jr. (Tim), senior partner of Morris Hall PLLC in Mesa. The company offers free estate planning seminars. (Courtesy Morris Hall PLLC)

traordinarily knowledgeable in what we do.”

Theron M. Hall, Jr. (Tim), senior partner of Morris Hall PLLC in Mesa, has practiced many different types of law. “I’ve done divorce work, criminal work, defended people and sued people,” he says. He gravitated to estate law because he feels it’s the best way he can help people. “Everybody’s happy when you’re finished.”

Estate planning is important because if you don’t have a plan in place, other people will make decisions for you if you become incapacitated, Hall says. “But if you have your estate set up properly and your affairs in order and you become incapacitated, you have the people you chose to make the decisions, not only for your health care, but also your financial decisions.”

In many cases, people don’t think they need an estate plan, but Hall advises that if a person or couple has any type of retirement assets such as an IRA, 401k or a 403b that amounts to more than $30,000 to $40,000; has minor children or potential minor beneficiaries; children from another marriage; or beneficiaries with some type

of special needs, then he or she should consider an estate plan.

Some people also choose to set up a pet trust or make provisions in their trusts to ensure their pets are taken care of. “We have a lot of clients who do that,” Hall says. “They have a strong attachment to their current pets and pets they will have in the future.”

When setting up a pet trust, clients must name a caretaker who will provide a loving home for the animal(s) and a trustee to distribute the money that’s been set aside.

Often they are the same person.

For those who already have a trust or estate plan in place, it’s a good idea to review the documents every three years to make sure there haven’t been any changes, Hall says. “In the last few years, there have been some very significant changes – some good, some bad, so we keep our clients in the loop.”

The attorneys at Morris Hall also review already established estate plans for new clients because often the documents are not properly drafted, which can result in beneficiaries not being protected against creditors, lawsuits, ex-spouses, taxes and other issues, Hall says.

As a service to its clients, Morris Hall offers free estate planning seminars as well as question and answer sessions at its offices throughout Arizona and New Mexico. Nonclients are also welcome to attend. Information is available at morristrust.com.

Morris Hall is one of two firms in Arizona that belongs to the American Academy of Estate Planning Attorneys, a group of 150 estate-planning firms throughout the United States.

“We’ve written and reviewed about 75,000 trusts. We’ve been doing this for a long time and seen literally everything,” Hall says. “We’ve often said estate planning is not just our practice, it’s our privilege and our passion and we love doing it.”

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Investing: Seven Questions

BY MICHAEL K. ROWLANDS

Owner of Scottsdale Gold & Silver

1. What are my goals?

Am I looking for profit, protection or both? How much am I looking to invest? Is this a one-time investment or do I want to add to this investment in the future? What is my timeline for making this investment?

What is my risk level: high, moderate or low?

2. Do I understand this investment?

If you can’t understand how something works, you can’t properly answer question #1. If you don’t understand it, either do your homework or have someone explain it to you until you understand it. Before you invest, you should be able to explain to other people what you’re doing. Nothing is worth investing in if you can’t comprehend it.

3. What’s the investment’s track record?

History solves the mystery. Understand-

ing the history of the investment offers insight into how it will perform in different environments. Knowing how it reacts in a recession, inflation and boom will give you the keys to answering question #1.

The big warning that comes with this is that past performance is no guarantee of future results.

4. What are the costs? How much does this investment cost you in fees?

How much does it cost to sell? How much does it cost me to hold? These fees should be very transparent, and if they’re not, you should be wary of both what is being offered and who it is offering it to you. Remember that returns are never guaranteed, but fees usually are.

5. What are the pros and the cons of this investment?

Before investing a dime, make sure you understand the potential for loss. This is where it really pays off to be a little pessimistic. Understand the worst-case scenario and make sure you are comfortable

with the potential outcome. When people skip this question, they often become emotional when they start to lose money.

This causes a panic sell, which most of the time comes at the worst possible time to sell. Understanding the possible downside will help you hold strong through rough patches and stick to your investment strategy through thick and thin. This is the most important foundation which investment success is built on.

6. What is time frame for this investment?

Is this a long-term investment (5-20 years)? Is this a moderate-term investment (2-5 years)? Is this a short-term investment (12-24 months)? Having a time frame for your investment is a must when answering question #7.

7. What is my exit strategy?

If you don’t have an exit strategy, your portfolio will never realize its gains. It doesn’t matter if you’re a trader or a buyand-hold person -- not having an exit point is a recipe for disaster. As an investor, you should have two exit strategies: number one, to capture and keep your profits; and number two, to limit your downside risk. Having a price point picked out based

on the goal you set with questions #1 and #6 will help you always keep your profits.

Having an exit strategy picked based on your risk limit will always keep your downside at a minimum.

By asking yourself these seven questions before you invest, you will make smarter investments and achieve greater financial success. When you have an idea that creates a purpose, with a purpose comes a plan, and with a plan comes action, and with action you get results. Answer these seven questions, and you will get an idea, a purpose, a plan and action. This will lead to success in the future. Contact one of our wealth coaches at 480-739-1299.

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Real Top Gun

Richard Michaud served in three wars

BY JIMMY MAGAHERN Barbara Laken fluffs the cushions of the couch directly beneath the display of medals and the Top Gun sign as her 90-year-old dad, Richard Michaud, slowly takes his favorite seat in the living room of his Mesa home. Michaud cracks a wry smile as the reporter across from him makes eye contact, knowing that from this angle, the large red, white and blue wings of the iconic 1986 movie logo jut out from his ears in an almost cartoonish fashion.

The placement of the sign is no doubt a loving decorative touch from his proud daughter, who calls her dad “a real Top Gun.” The veteran Navy flyer himself, who actually trained for aerial combat maneuvering in the early 1950s, about a decade and a half before the establishment of the U.S. Navy Fighter Weapons School in Miramar, California that would come to be nicknamed Top Gun school, confesses he’s not a great fan of the movie, even as Hollywood gears

up for a long-awaited sequel.

“One of the things that frustrated me about the Top Gun movie was when Tom Cruise’s character felt he’d killed his buddy and right in the middle of a big battle, he’s pulling out the buddy’s dog tags to look at them,” he says. “You wouldn’t have time for that!”

The line invites a chuckle, but Michaud’s no longer smiling. “You know, throwing him off the back end of,” he pauses for a long time, then sadly exhales, “a carrier is probably something you’d do.”

Michaud holds the rare distinction of having served in three wars: World War II, the Korean War and Vietnam, giving him membership in an informal club whose badge he proudly wears on a hat reading, “All 3 Wars Veterans of America.” But until about three years ago, Michaud’s deep well of military experience was a secret he kept from his four grown children, three of whom still live close by – Laken just across the street and one of her three brothers in the house next door.

“My dad is a hero. And we never knew it,” says Laken, who’s also encouraged her dad to write a book. “My mom never talked about it, and it wasn’t until she passed three years ago that we started getting into the books and the stories. He had five distinguished flying crosses. And we had no idea.”

“I think it’s probably typical of most veterans,” Michaud says dismissively of his longstanding reluctance to share his military history with his offspring. “They don’t come home and run through all of their experiences for the family.”

But Laken, a genealogy enthusiast who, with help from family – and websites like Ancestry. com – has created an ambitious library of family history in Michaud’s den, dug into her dad’s record and discovered that during With family encouragement, Richard Michaud is finally speaking about his military career.

14

| NOVEMBER 2017

Michaud during his active duty days. (Photos by Tim Sealy)

his stint in Vietnam, he was part of a Michaud’s first choice of a conflict to be rescue team that saved many soldiers. involved in, either. He’d originally joined “We were assigned responsibility for the Navy straight out of graduating high search and rescue,” Michaud explains. “We school in Logan, Utah in 1945, to serve in had a lot of different kinds of airplanes World War II, but he had barely completed flying in Vietnam, training when the and when one of war ended with them would go Japan’s surrender. down, it was our job The Navy kept him to go to the scene in Southeast Asia and neutralize anyway, serving the enemy and at bases in the then we’d bring in Philippines and the a helicopter and Admiralty Islands there was a cable for 14 months until we’d drop down he had accrued and pick our guys enough points to up. During the 16 come home. At months I was over that time he started there, we had 78 college on the G.I. guys down and Bill, married his we got 76 of them wife, Patty, and out. It was a very worked for a while satisfying mission as a reporter for the Richard Michaud has five distinguished flying to be involved in. local newspaper. crosses.

And I never took a When the Korean bullet myself, which I figured was pretty War started, he was commissioned again, good for 180 missions.” and that’s when Michaud took part in Michaud admits he was disappointed the pilot’s training. Once again, however, when he came home from Vietnam Michaud wound up late to the battle. and was greeted with less than a hero’s “Unfortunately – or maybe fortunately welcome, but he understands why.

– the war ended the same time that I “Unfortunately it was the war that had finished that training,” he says. “So I never the attitude against it,” he says, referring did make it physically to Korea.” to the widespread social movement He moved to Arizona and was assigned among young Americans at the time who to the ROTC program at Arizona State. opposed U.S. involvement in Vietnam. In the summer of ‘69, just as President “With World War II, you didn’t have that Nixon was beginning troop withdrawals, problem – or even in Korea, to speak Michaud got called to duty again. This of. But with Vietnam, you had all the time, however, he saw plenty of combat. marching and the going to Canada to “Many of his friends never came back,” avoid the draft. It was not a very popular Laken says. war.”

Truth be told, Vietnam was not Top Gun...continued on page 15

www.LovinLifeAfter50.com

Top Gun...continued from page 14 When Michaud did come home, he’d had his fill of military life and opted for a much quieter lifestyle, taking a job at ASU as an assistant director of financial aid and later moving back to Logan to perform the same job for Utah State University. While there, he discovered a new, unlikely passion to take the place of flying: Dutch oven cooking. He founded the International Dutch Oven Society in Salt Lake City, a group of “black pot enthusiasts” that now has close to 50 chapters around the globe.

Between cooking cobblers in his own extensive collection of the heavy iron pots, Michaud says he’s been watching the 10-part Ken Burns PBS series The Vietnam War, and says that for the most part, he agrees with Burns’ gritty groundup view of the dark chapter in American history. “It was a down and dirty war,” he says. “But I’m watching to see if they ever get around to covering anything from our mission. We were fortunate in that we were in a life-saving side of the war.”

With nearly 20 grandchildren and over 60 great-grandchildren in his fold, Michaud counts his strongly held LDS faith as a key to living a long, healthy life.

But he also sees his military service as part of that.

“I think the key to having a life well lived is to help people,” he says. “And I see my military experience as something along that line. It doesn’t always work out totally like you’d like it to, but there’s nobody else in the world fighting for the freedom of people as much as the United States.”

He notes an awareness of the NFL protests that have sparked national debates on patriotism, and says he understands the point many of the African-American athletes are trying to make by taking the knee instead of standing for the flag during the national anthem.

“I appreciate that there are those here who feel they don’t have those freedoms,” he says, although he allows it “makes [his] heart sick” to see the flag becoming a target in the debate. “That’s what all people want, to have the freedom to live their lives as they choose and raise their families. But I still feel you have a better chance to do that in America than any other place in the world. And I think that the people who appreciate America and the freedoms that they have here need to stand strong,” he adds. “Because I think it’s going to get tougher.”

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CareMore Classic (HMO)

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Premium or Subscription Charges

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Registration or Policy Fee

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Must have Part A and Part B of Medicare, Live in the service area, must reside in a long-term care community or plan approved location and cannot have ESRD.

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Pre-existing Health Conditions

Not available for patients with end-stage renal (kidney) disease and receiving dialysis.

Must not have ESRD

Must not have ESRD

Costs on Entry to Hospital

$250 per day for days 1-7 in plan hospital; same cost sharing for non-plan hospital with prior authorization (different cost sharing applies to inpatient mental health).

Day 1-5 $200 Copay Day 6-90 $0 Copay

Day 1-5 $200 Copay Day 6-90 $0 Copay

Maximum Period of Coverage for Any One Benefit

364 days in calendar year.

Out of Pocket Limit $3000

Out of Pocket Limit $3000

Skilled Nursing Facility

$20 per day for days 1-10 in plan skilled nursing facility; $20 per day for days 11-20; $165 per day 21-100 in plan SNF; same cost sharing for non plan skilled nursing facility with prior authorization. No prior hospital stay required.

Each Stay: $0 Copay

Days 1-20 $0 Copay

Medical Coverage for Part B

Covered in full after applicable copayments/coinsurance.

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You pay $0 for each primary care physician office visit; $40 for each visit to most specialists.

You pay $20 - $300 for x-ray/ultrasound; You pay $40 for each visit for occupational, speech, physical therapy or $20 for cardiac and pulmonary rehab (Medicare coverage limits apply).

You pay $295 for each outpatient surgery.

You pay $200 for each ground ambulance transport.

You pay 20% coinsurance for durable medical equipment and prosthetics.

$0 Copay - Routine Nurse Practitioner Visits, $0 Copay - PCP; $0 Copay for Specialist (office based or at Care Center) Laboratory - $0 Copay; Physical Therapy- $0 Copay; X-Ray-$0 copay; $0 Copay Routine Podiatry every two months; $195 Copay - Ambulance; $0 Copay - DME if $499 or Less

$0 Copay - PCP; $35 Copay for Specialist ; $0 if specialist is located in Care Center; Laboratory-$0 Copay; Physical Therapy- $0 Copay at certain Nifty after Fifty locations; X-Ray-$15 copay; $195 Copay - Ambulance; $0 Copay - DME if $499 or Less

Outpatient Prescription Drugs

$3 for a 30-day supply of preferred generic, $15 for non-preferred generic, $45 for preferred brand and $95 for non-preferred brand drugs at retail preferred-pharmacies; 29% for specialty drugs. $3,750 initial coverage limit. Catastrophic coverage with $5,000 spent.

Tiers 1-6 : $0/$7.50/$40/$85/33%/$0 Network Pharmacy

Tiers 1-6 : $0/$7.50/$40/$85/33%/$0 Preferred Network Pharmacy

Renewability of Contract

Renewable annually

Annual

Annual

Travel Restrictions Out of Area

Coverage throughout the United States for emergency and urgently needed care only.

$10,000 Coverage for Emergency and Urgent Care Combined Worldwide

$10,000 Coverage for Emergency and Urgent Care Worldwide

Major Options Available from Company

Hearing Aids, Health/wellness education, disease management.

Discounts on eyewear.

PART B PREMIUM REDUCTION. $28 per month; BASIC DENTAL COVERAGE INCLUDED with $500 quarterly allowance. Quarterly $50 OTC benefit. Silver Sneakes $0 copay. On-site delivery of most healthcare services at member’s assisted living enviroment including routine nurse practitioner visits, quarterly primary care physician visits, quarterly routine podiatry visits, onsite labs, x-rays, physical therapy, occupational therapy, speech therapy, wound care and more. Transportation: 6 one-way trips to plan approved locations.Please call CareMore Health Plan for more information.

$0 COPAY HEARING AID BENEFIT; BASIC DENTAL COVERAGE INCLUDED. SILVER SNEAKERS available on all plans. Acupuncture Benefit. Access To CareMore Care Centers. CareMore Health Plan also offers Special Plans for Medicare Beneficiaries that have certain health conditions (Diabetes, COPD, Asthma or Heart Failure). Please call CareMore Health Plan for more information.

A.M. Best Rating

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Medicare STAR ratings released in October

Medicare STAR ratings released in October

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HMOs Which Assume Responsibility for Medicare Coverage COMPANY

Cigna-HealthSpring Preferred (HMO)

Humana Community Plan HMO H-2649-031

United HealthCare AARP MedicareComplete (HMO)

Premium or Subscription Charges

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$0

No monthly premium. Medicare Complete contracts with Medicare to provide full Medicare coverage plus additional benefits. Member must continue to pay Part B premium.

Registration or Policy Fee

N/A

$0

None

Pre-existing Health Conditions

Not available for patients with end-stage renal (kidney) disease.

Not available for those with end-stage renal (kidney)disease unless already a health plan member.

Individuals with end stage renal (kidney) disease is not eligible

Costs on Entry to Hospital

$180/day: days 1-7: $0/day: days 8-90

$280 days 1-7 $0 days 8-90

Member has a total out of pocket maximum for all copays except pharmacy and physician. The copay for hospital is $275 days 1-7 counted toward a out of pocket maximum of $2,800.

Maximum Period of Coverage for Any One Benefit

Unlimited- 365 days in a calendar year. Medicare beneficiaries may only receive 190 days in a psychiatric hospital in a lifetime.

Hospital - Unlimited number of authorized, medically necessary days.

Other limitations may apply for other benefits.

Benefits are based on the calendar year and are covered 365 days of the year.

Skilled Nursing Facility

$0/day: days 1-20: $167/day: days 21-100

$0 days 1-20 - $167.50 days 21-100

$0.00 days 1-20/ $160.00 days 21-38/ $0.00 days 39-100

Medical Coverage for Part B

Members must continue to pay Medicare Part B premium.

Members must continue to pay Part B premium to Medicare

Covered in full after applicable copayments/coinsurance.

In-patient services by physicians are covered at no cost.

Physician care for hospital or office services, surgery, anesthesia, X-ray, laboratory, injections, splints, casts, dressings, physical and speech therapy, radiology, ambulance, prosthetics, etc.

Physician care for Hospital or Office services: In PCP office $0: In Specialist office $25, Physical therapy and Speech therapy $25, Home Health $0, Lab services in Physician’s office $0: HospOP/ASC facility $20, X-ray services $0, Prosthetics 20%, Ambulatory Surgical Center (ASC) $150, Ambulance Ground $200, Ambulance Air $200, Radiation therapy 20%, MRI, CT, PET: ASC/HospOP $200; 20% for nuclear medicine studies.

$0 PCP office visit - $30 Specialist office visit - $0 - $50 labs at in network labs - Ambulance $265 - MD Live Telemedicine $10 per encounter - XRAY $0-$150 - Hearing aid Benefit - $699 Flyte 700 $999 Flyte 900.

$0 for Preventative Services. $0 for PCP and $35 for specialist visits.

Radiology $7-20%, Lab service is $2. DME, Prosthetics, and Part B drugs are 20% coinsurance. O/P Hospital and O/Ps surgery $250.

Ambulance $250. ER $80, waived if admitted. Copays and coinsurance count toward the out of pocket max of $2800.

Outpatient Prescription Drugs

One Month Supply: Tier 1 (Preferred Generic) $2, Tier 2 (Generic Drugs) $10, Tier 3 (Preferred Brand Drugs) $42, Tier 4 (Non-Preferred Drugs) $95, Tier 5 (Specialty) 33%

Preferred Mail Order $0 for 90 day supply Tiers 1 and 2 - 30 day supply Tier 3 $47, Tier 4 $100, Tier 5 33%

$0 deductible on all Tiers .Tier 1 $3 copay. Tier 2 $12 copay. Tier 3 $45 copay. Tier 4 $95 copay. Tier 5 33%. No coverage after $3750 until out of pocket costs equal to $5000. Then 5 percent or $3.35 for Generic and Preferred Brand, All other 5% or $8.35.

Renewability of Contract

Medicare Advantage contracts are renewable annually

Good for all of 2018

Guaranteed renewable for life.

Travel Restrictions Out of Area

Urgent care ($0)and emergency care ($100) services are available to you when you are out of area. You are covered 24 hours a day, seven days a week.

ER and Urgent Care Only

Worldwide coverage for emergency and urgent care with a $80 copay (waived if admitted to hospital). Routine & preventive care is covered out of residence county w/Passport Benefit.

Major Options Available from Company

Plans offer hearing, vision, and chiropractic benefits. Dental option available for $20 monthly premium. Fitness Program- Basic gym membership at a participating fitness location including fitness classes. Provides home fitness kits as an alternative program option in lieu of facility membership.

Silver Sneakers included - Over the Counter Allowance $75/Qtr MOOP of $4,900 and transportation has been added - 12 one-way or 6 round trip.

Plan covers Optum Fitness fitness program, dental exams and cleanings, routine eye exam and routine podiatry visits. Hearing Aid package. Dental rider is available. Large Network of providers.

A.M. Best Rating

4.5 out of 5 Star Rating

A-

A

For More Information

1-855-561-3811(TTY 711) 7 days a week, 8am-8pm. Hours apply Monday-Friday February 15-September 30.

602-760-1700

1-800-547-5514 TTY 711

Outpatient Care

You must live in Pima County

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NOVEMBER 2017 |

17

Calendar of Events

Entertainment

Entertainment

‘Obsessed’ with Music

November 1 Wednesday

Dan + Shay open up on new album

UA School of Art Live Drawing Atelier, 5:30 to 7:30 p.m., The Independent Distillery, 33 S. Arizona Avenue, $68-$80, 621-1251, uafoundation.org. The University of Arizona School of Art Advisory Board’s live drawing event and fundraiser features drawing instruction, live models, drawing kits that can be purchased at a discount and artisanal libations and appetizers.

BY CHRISTINA FUOCO-KARASINSKI

November 2 Thursday

Birding Agua Caliente Park, 8:30 to 10 a.m., Pima County Agua Caliente Park, 12325 E. Roger Road, free for members, $5 nonmembers, registration required, 724-5375, pima.gov/nrpr, eeducation@ pima.gov. Take a guided walk through the park and along the ponds to see a variety of resident and migratory birds Tucson Cactus and Succulent Society’s Meeting, 7 to 9 p.m., Sky Islands High School, 6000 E. 14th Street, free, 256-2447, tucsoncactus.org. Mark Dimmitt, an expert on plant taxonomy, will address the group.

November 3 Friday

Noche de las Calaveras (Night of the Skulls), 5:30 to 10 p.m., Arizona-Sonora Desert Museum, 2021 N. Kinney Rd., $65-$70, 883-2702, desertmuseum.org.

Dia de los Muertos honors the departed souls of loved ones. This year, the museum commemorates the animals and plants that make it a special place.

Tucson Celtic Festival and Scottish Highland Games, various times, repeats November 4 and November 5, Rillito Raceway Park, 4502 N. First Avenue, $6-$16, tucsoncelticfestival.org. Festival features kilted bagpipe bands; Scottish, Irish, Cornish and Welsh music, dancing and food; athletic competitions; clan tents; vendors and military recreations.

Tucson Comic Con, 3 to 8 p.m., repeats 10 a.m. to 7 p.m. November 4, and 10 a.m. to 5 p.m. November 5, Tucson Convention Center, 260 S. Church Avenue, see website for ticket information, tucsoncomiccon.com.

Dan + Shay play the Fox Tucson Theatre on November 10. (Special to LLAF)

Country duo Dan + Shay feel energized.

Dan Smyers’ and Shay Mooney’s current tour has seen them play to packed houses, on the heels of a hectic holiday season tour last year.

“We’re back at it and rockin’,” Smyers says. “Every show we’ve played this year was sold out. We’re proud of that.”

The pair was nominated for two awards at the 52nd annual Academy of Country Music Awards this year, and are now touring behind the album Obsessed, which spawned the singles “How Not To,” “Road Trippin’” and “From the Ground Up.” “We play most of the songs live,” he says.

“We do have some cool moments where we change up some of the arrangements,

18

or we break down and do an acoustic set.

It’s fun.

“It’s a bit of a different experience from the record. The fans have been so great and dedicated. It’s not just the country radio songs that they’re singing along to.

It’s the deep cuts. In turn, we’re giving the fans as much music as we possibly can.”

Smyers says Dan + Shay’s music offers fans an intimate glimpse into their lives.

It’s his hope that fans take advantage of that.

“With the first and second records, you can tell the evolution of our lives,” he says.

“We both got engaged recently. Shay had a kid. We’re growing up a little bit and our fans are growing with us. Our music is an

| NOVEMBER 2017

honest representation of who we are.

“The beauty of songwriting is when we get in the room, we pull out our feelings.

We like the storytelling aspect of country music, but we also like R&B, blues, soul and rock ‘n’ roll. I think you can hear that when you listen to the record from front to back.”

MORE INFO

What: Dan + Shay When: Friday, November 10 Where: Fox Tucson Theatre, 17 W. Congress Street Cost: $29-$54 Info: 520-547-3040, foxtucson.com

Old Time Rock ‘n’ Roll Dance Party with Heartbeat, 7 p.m., The Gaslight Music Hall, 13005 N. Oracle Road, Oro Valley, $12.50, 529-1000, gaslightmusichall.com.

November 4 Saturday

Pumpkin Smash, 11 a.m., Las Milpitas de Cottonwood Farm, 2405 S. Cottonwood Lane, free, communityfoodbank.org. A family-friendly event focusing on sustainable gardening practices and how they can benefit. It’s an opportunity to bring used jack-o-lanterns for composting, sample pumpkin-related recipes, and watch a pumpkin catapulting competition.

Birding Tucson Mountain Park, 8 to 10 a.m., Tucson Mountain Park, Ironwood Picnic Area, 1500 S. Kinney Road, free for members, $5 nonmembers, online

Calendar ...continues on page 19 www.LovinLifeAfter50.com

Calendar of Events Calendar...continued from page 18 registration required, 724-5375, pima.gov/nrpr. Join a local birding expert for a guided walk in Tucson Mountain Park to see rufous-winged sparrows, gilded flickers, phainopeplas, and many other desert birds.

Tour of Historic Canoa Ranch, 10 to 11:30 a.m., noon to 1:30 p.m., Historic Hacienda de la Canoa, 5375 S. I-19 Frontage Road, Green Valley, free, online registration required, 724-5220, pima.gov/canoaranch, canoaranch@pima.gov. Join a walking tour of the Canoa Ranch headquarters. Visit the historic buildings and corrals and enjoy the special exhibits of the people of Canoa.

Full Moon Nature Walk, 5 to 7 p.m., Gabe Zimmerman Davidson Canyon Trailhead at Cienega Creek Natural Preserve, 16000 E. Marsh Station Road, free for members, $5 nonmembers, online registration required, 724-5375, pima.gov/nrpr, eeducation@ pima.gov. Join a Pima County naturalist for this easy two-hour nature walk. Dress for the weather, wear comfortable walking shoes, bring water and a flashlight.

Melanoma Walk, 3 p.m., UA Mall, 1209 E. University Boulevard, $15 for kids, $30 adults, fightmelanomatoday.org. The walk is family- and pet-friendly and includes prizes and giveaways, music, food, a silent auction and activities for kids.

Registered participants will receive a “goody bag” and food. Before the walk, the UA Skin Cancer Institute will offer free screenings and spot checks from 2 to 4 p.m.

Proceeds from the walk directly support melanoma research, community outreach, education and patient care in Arizona. The UA Skin Cancer Institute’s goal is to raise $75,000 to help fight melanoma.

Sing Me Back Home: The Legend of Merle Haggard, 7 p.m., The Gaslight Music Hall, 13005 N. Oracle Road, Oro Valley, $25, 529-1000, gaslightmusichall.com.

November 5 Sunday

Paint Out in the Park, 8 to 10 a.m., Gabe Zimmerman Davidson Canyon Trailhead at Cienega Creek Natural Preserve, 16000 E. Marsh Station Road, free, 6157855, pima.gov/nrpr, eeducation@pima.gov. Join the Sonoran Plein Air Painters to learn some techniques for painting landscape scenes in the open air. Bring your own painting supplies.

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Just One Look: A Tribute to Linda Ronstadt, 2 p.m. and 6 p.m., The Gaslight Music Hall, 13005 N. Oracle Road, Oro Valley, $25, 529-1000, gaslightmusichall.com.

November 7 Tuesday

Tour of Historic Canoa Ranch, 10 to 11:30 a.m., noon to 1:30 p.m., Historic Hacienda de la Canoa, 5375 S. I-19 Frontage Road, Green Valley, free, online registration required, 724-5220, pima.gov/canoaranch, canoaranch@ pima.gov. Join a walking tour of the Canoa Ranch headquarters. Visit the historic buildings and corrals and enjoy the special exhibits of the people of Canoa.

The Wonderful World of Bats, 2 to 3 p.m., DusenberryRiver Libraray, 5605 E. River Road, Suite 105, free, 7245375, pima.gov/nrpr, eeducation@pima.gov.

November 8 Wednesday

Restoration Tour, 9 to 10:30 a.m., Historic Hacienda de la Canoa, 5375 S. I-19 Frontage Road, Green Valley, free, online registration required, 724-5220, pima.gov/ canoaranch, canoaranch@pima.gov.

Anza Tour at Historic Canoa Ranch, 9 to 10 a.m., Historic Hacienda de la Canoa, 5375 S. I-19 Frontage Road, Green Valley, free, online registration required, 724-5220, pima.gov/canoaranch, canoaranch@pima. gov. Learn about Colonel Juan Bautista de Anza and the group of Spanish colonial settlers who, in 1775, made their first stop at Canoa Ranch as they began an epic 1,200-mile journey from Sonora, New Spain to colonize the port of what is now San Francisco.

November 9 Thursday

Quilt, Craft and Sewing Festival, 10 a.m. to 5 p.m., repeats 10 a.m. to 5 p.m. November 10, and 10 a.m. to 4 p.m. November 11, Tucson Expo Center, 3750 E. Irvington Road, $10, quiltcraftsew.com/tucson.html.

Visit exhibitors offering new products, techniques and ideas. Workshops include “make and take.”

Green Valley Stroke Support Group, 10 to 11 a.m., Zuni Room, La Perla at La Posada, 635 S. Park Center Avenue, free, reservations required, 626-2901. Facilitated

by Leslie Ritter, PhD, RN, and supported by BannerUniversity Medical Center, University of Arizona College of Nursing and Sarver Heart Center. For stroke survivors and caregivers to learn more about stroke, to find positive solutions to shared concerns and to unite in support of each other.

Christmas in the Big Apple, various times, through December 31, The Gaslight Theatre, 7010 E. Broadway Boulevard, $20.95, with discounts available for children, students, seniors and military, 886-9428, thegaslighttheatre.com.

November 10 Friday

Artists of the Southwest Show, 10 a.m. to 5 p.m., Rillito Park Racetrack’s parking lot, 4502 N. First Avenue, free, 612-9519, artistsofthesw2017@gmail.com, facebook.com/artistsofthesouthwest.

The House is Rockin’ with East2West, 7 p.m., The Gaslight Music Hall, 13005 N. Oracle Road, Oro Valley, $12.50, 529-1000, gaslightmusichall.com.

November 11 Saturday

Tucson Facial Pain Support Group, 10 a.m. to noon, Tucson Medical Center, Marshall Center, 5301 E. Grant Road, free, facialpain.tucson@gmail.com. The group will hear speakers and discuss anything related to facial pain, typically from trigeminal neuralgia. They identify possible solutions like surgery, medication, acupuncture and holistics.

Living History Day Honoring Our Veterans, 10 a.m. to 3 p.m., Tucson Presidio Museum, 196 N. Court Avenue, 837-8119, tucsonpresidio.com. $5, military members admitted free with ID. This replica of the city’s original adobe-walled fortress comes alive with demonstrations of children’s games, old and new world foods, and fresh baked bread and handmade tortillas to sample.

Pump the bellows of the blacksmith’s forge and watch soldiers practice their drills and fire a cannon.

Veterans Day Parade and Ceremony, 11 a.m., begins at West Alameda Street and Grenada Avenue, free, tucsonveteransdayparade.org. Join the American Legion Morgan McDermott Post 7 and the city of Tucson in recognizing current members of our military and veterans at the 98th annual Tucson Veterans Day Parade. This year’s theme is “For the hearts of veterans.”

Tosca, 7:30 p.m., repeats 2 p.m. November 12, Tucson Music Hall, 260 S. Church Avenue, $25-$120, azopera. org. The beautiful and fiery Italian diva Floria Tosca is passionately in love with the artist Mario Cavaradossi, and dreams of a life together. But soon, she is caught in the political intrigues of Rome and a sinister web spun

by Police Chief Baron Scarpia. Tosca is looking for a way out, when Scarpia offers a solution: submit to him, and he will let the couple leave the city unharmed.

A Salute to America, 3 p.m. and 7 p.m., The Gaslight Music Hall, 13005 N. Oracle Road, Oro Valley, $25, 5291000, gaslightmusichall.com.

November 12 Sunday

Everyone Runs TMC Fleet Feet Half Marathon, Saguaro Physicians 5K and Children Fun Run, 7 a.m., Old Tucson, 201 Kinney Road, starts at $35, everyoneruns. net. The mostly flat course sits at the foot of the Catalina

Mountains. The race features music, water stations, awards and finisher shirts for half and 5Kers. First-, second- and third-place winners get awards.

Wildcat Jazz Band, 2 p.m., The Gaslight Music Hall, 13005 N. Oracle Road, Oro Valley, $25, 529-1000, gaslightmusichall.com.

November 13 Monday

National Active and Retired Federal Employees (NARFE) Association, Chapter 55, Meeting, 11 a.m., Golden Corral 4380 E. 22nd Street, charge for lunch, 444-6970. There will be a presentation followed by a business meeting. Current and retired federal employees, their spouses, guests and visitors are welcome.

Hot Blues Monday, 6 p.m., The Gaslight Music Hall, 13005 N. Oracle Road, Oro Valley, $12.50, 529-1000, gaslightmusichall.com.

November 14 Tuesday

Tour of Historic Canoa Ranch, 10 to 11:30 a.m., noon to 1:30 p.m., Historic Hacienda de la Canoa, 5375 S. I-19 Frontage Road, Green Valley, free, online registration required, 724-5220, pima.gov/canoaranch, canoaranch@ pima.gov. Join a walking tour of the Canoa Ranch headquarters. Visit the historic buildings and corrals and enjoy the special exhibits of the people of Canoa.

November 15 Wednesday

Nuts about Nature Preschool Hour, 10:30 a.m. to 11:30 a.m., Brandi Fenton Park, 3482 E. River Road, free for children, adults free with membership, $5 for nonmember adults, online registration required, 7245375, pima.gov/nrpr, eeducation@pima.gov. Bring the grandkids and learn about nature.

November 16 Thursday

Paint Out in the Park, 3:30 to 6:30 p.m., Tucson Mountain Park Gate Pass Overlook, free, 615-7855, pima.gov/nrpr, eeducation@pima.gov. Join Sonoran Plein Air Painters’ Signature Artist Walter Porter to learn techniques for painting landscape scenes in the open air. Bring your own painting supplies. Call for exact location.

Holiday Artisan Market, 10 a.m. to 5 p.m., repeats 10 a.m. to 4 p.m. November 17 and November 18, Tucson Museum of Art, 140 N. Main Avenue, free admission, 624-3333, tucsonmuseumofart.org. Rodney Casebier, juried jewelry maker, is among the 200 artists who will exhibit their works.

Calendar ...continues on page 20

NOVEMBER 2017 |

19

Calendar of Events Calendar...continued from page 19 November 17 Friday

Nuts about Nature Preschool Hour, 10:30 to 11:30 a.m., Pima County Agua Caliente Park, 12325 E. Roger Road, free for children, free for adults with membership, $5 nonmember adults, online registration required, 7245375, pima.gov/nrpr, eeducation@pima.gov. Join the group for child-friendly fun as they learn about nature through stories, crafts and games. Bring the grandkids.

Stargazing at Historic Canoa Ranch, 5 to 6 p.m. (presentation), 6 to 8 p.m. (stargazing), Historic Hacienda de la Canoa, 5375 S. I-19 Frontage Road, Green Valley, $5 suggested donation, 724-5220, pima. gov/nrpr, canoaranch@pima.gov Come before dark to enjoy a presentation by Whipple Observatory. Sonora Astronomical Society volunteers will set up telescopes for celestial viewing and introduce the night sky. Bring a flashlight and lawn chair. Weather permitting.

A Celebration of Joni Mitchell, 6 p.m., The Gaslight Music Hall, 13005 N. Oracle Road, Oro Valley, call for ticket information, 529-1000, gaslightmusichall.com.

November 18 Saturday

Tour of Historic Canoa Ranch, 10 to 11:30 a.m., noon to 1:30 p.m., Historic Hacienda de la Canoa, 5375 S. I-19 Frontage Road, Green Valley, free, online registration required, 724-5220, pima.gov/canoaranch, canoaranch@ pima.gov. Join a walking tour of the Canoa Ranch

headquarters. Visit the historic buildings and corrals and enjoy the special exhibits of the people of Canoa.

British-Mania: Beatles Tribute, 3 p.m. and 7 p.m., The Gaslight Music Hall, 13005 N. Oracle Road, Oro Valley, $25, 529-1000, gaslightmusichall.com.

A Night Under the Stars, 6 to 8 p.m., Pima County Agua Caliente Park, 12325 E. Roger Road, free, 7245375, pima.gov/nrpr, eeducation@pima.gov. Explore the wonder and unfold the mysteries of the night sky.

Tucson Amateur Astronomy Association volunteers will introduce the night sky and set up telescopes for celestial viewing. Feel free to bring a lawn chair.

Weather permitting.

Tucson Singletarians Meeting, 11 a.m., Claim Jumper, 3761 E. Broadway, $10, 222-2423. Prospective members will be asked to fill out and sign a Tucson Singletarian application and payment at lunch. They will receive $10 off their membership.

November 19 Sunday

Sparrow ID Class, 10 a.m. to noon, Pima County Agua Caliente Park, 12325 E. Roger Road, $10 for members, $15 nonmembers, online registration required, 7245375, pima.gov/nrpr, eeducation@pima.gov. Many birders struggle with identifying sparrows; they are the quintessential “little brown jobs” or LBJs. Join Jeff Babson to learn the intricacies of identification as we examine sparrow diversity.

Surf’s Up: Beach Boys Tribute, 3 p.m. and 7 p.m., The Gaslight Music Hall, 13005 N. Oracle Road, Oro Valley, call for ticket information, 529-1000, gaslightmusichall.com.

November 20 Monday

National Active and Retired Federal Employees

(NARFE) Chapter 1874 Meeting, 11:30 a.m., Golden Corral Restaurant, 6865 N. Thornydale Drive, $7.95 for senior menu, 400-3456. NARFE has been safeguarding and improving the earned rights and benefits of America’s active and retired federal employees since 1921. Current and retired federal employees, spouses, guests and visitors are welcome.

November 21 Tuesday

Tour of Historic Canoa Ranch, 10 to 11:30 a.m., noon to 1:30 p.m., Historic Hacienda de la Canoa, 5375 S. I-19 Frontage Road, Green Valley, free, online registration required, 724-5220, pima.gov/canoaranch, canoaranch@ pima.gov. Join a walking tour of the Canoa Ranch headquarters. Visit the historic buildings and corrals and enjoy the special exhibits of the people of Canoa.

November 23 Thursday Happy Thanksgiving!

November 24 Friday

Boogie Stomp, Featuring Arthur Migliazza, 6 p.m., The Gaslight Music Hall, 13005 N. Oracle Road Oro Valley, $25-$35, 529-1000, gaslightmusichall.com.

November 25 Saturday

Tapestry: The Music of Carole King, 7 p.m., The Gaslight Music Hall, 13005 N. Oracle Road, Oro Valley, $25, 529-1000, gaslightmusichall.com.

Tour of Historic Canoa Ranch, 10 to 11:30 a.m., noon to 1:30 p.m., Historic Hacienda de la Canoa, 5375 S. I-19 Frontage Road, Green Valley, free, online registration required, 724-5220, pima.gov/canoaranch, canoaranch@ pima.gov. Join a walking tour of the Canoa Ranch headquarters. Visit the historic buildings and corrals and enjoy the special exhibits of the people of Canoa.

November 26 Sunday

Historical Tour of Agua Caliente Park, 11 a.m. to noon, Pima County Agua Caliente Park, 12325 E. Roger Road, free, 724-5375, pima.gov/nrpr, eeducation@ pima.gov. Enjoy a guided walk around the lush grounds and historic buildings of Agua Caliente Park and gain insights into the rich farming and ranching history of the site. All ages welcome.

November 28 Tuesday

Birding Colossal Cave Mountain Park, 8 to 10 a.m., Colossal Cave Mountain Park, 16721 E. Old Spanish Trail, free for members, $5 nonmembers, online registration required, 724-5375, pima.gov/nrpr, eeducation@pima. gov. Join a local birding expert to explore the bountiful birdlife that inhabits the Arizona Uplands of Colossal Cave Mountain Park.

Tour of Historic Canoa Ranch, 10 to 11:30 a.m., noon to 1:30 p.m., Historic Hacienda de la Canoa, 5375 S. I-19 Frontage Road, Green Valley, free, online registration required, 724-5220, pima.gov/canoaranch, canoaranch@pima.gov. Join a walking tour of the Canoa Ranch headquarters. Visit the historic buildings and corrals and enjoy the special exhibits of the people of Canoa.

November 29 Wednesday

Restoration Tour, 9 a.m. to 10:30 a.m., Historic Hacienda de la Canoa, 5375 S. I-19 Frontage Road, Green Valley, free, online registration required, 7245220, pima.gov/canoaranch, canoaranch@pima.gov.

From deteriorating ruins to functional buildings: take a behind-the-scenes tour with Architectural Preservationist Simon Herbert to examine the processes and materials used in the restoration of the structures at Historic Canoa Ranch.

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Tinseltown Talks

Valerie Harper tackles Alzheimer’s in My Mom and the Girl

BY NICK THOMAS

Off-screen, Valerie Harper has been an inspiration to many following her optimistic defiance to a well-publicized life-threatening medical diagnosis in 2013 (leptomeningeal carcinomatosis, a rare condition in which cancer cells spread into the membranes surrounding the brain). The star of the hit ‘70s TV series Rhoda now brings her indomitable spirit to the big screen to hearten families dealing with Alzheimer’s.

Harper, Liz Torres, and Harmony Santana star in Susie Singer Carter’s short film My Mom and the Girl. Based on Singer Carter’s own mother’s battle with Alzheimer’s, the writer, director, and co-producer wanted Harper to play her mother, Norma Holzer.

“I was giving a live reading of the script at the WGA (Writers Guild of America) and was asked who I could see playing my mother if I had to cast it immediately,”

recalls Singer Carter from Los Angeles. “I said, Valerie Harper! We didn’t know each other, but she’s such a good role model in real life and turned out to be perfect in this role.”

Harper, too, saw the part as an opportunity.

“As soon as I read the script, I thought it was wonderfully written,” Harper says from L.A. “But Susie’s script was unusual because it introduced humor. Not actual jokes, but comedic moments that could be used to soften a real life tragedy. When humor is grounded in reality, it can stir up a lot of emotion. That’s when comedy is at its finest.”

While some dramatic scenes of the 20-minute film are drawn from the year Singer Carter and her mother lived together, she crafted the story around one incident when her mother, followed by her caregiver, impetuously left home

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Valerie Harper and Susie Singer Carter. (Courtesy Susie Singer Carter)

late one evening. As she roamed the streets of L.A., an encounter with “The Girl” (Santana) led to an interesting evening.

“This absolutely happened to my mother,” Singer Carter notes. “Alzheimer’s was slowly stealing away her memory, but when she met this stranger crying on the street, it pulled her ‘mommy cord’ and she continued to be who she was, despite the illness.”

Incidents like this, Singer Carter says, can give families hope in a seemingly hopeless The cast of Rhoda, with Valerie Harper (center). (Courtesy CBS) situation. “Doctors who work with Alzheimer’s patients have told dealing with any debilitating disease.” us that we have accurately portrayed This is another reason Harper can what happens. So hopefully we can identify with the film. distribute the film to caregivers – not just “My husband has been my wonderful of Alzheimer’s patients, but to families caregiver for 5 years now, although I was only given 3-6 months,” she says, referring to her rare brain cancer diagnosis. “It’s been difficult, but I’ve found the best way to get over your own tragedies is to focus on helping and supporting others.”

Already a multi-award winner at film festivals across the U.S. and overseas, My Mom and the Girl is still on the festival circuit (see mymomandthegirl.com).

“Awards are nice,” Harper says. “But any light we can shine on Alzheimer’s – or any other devastating disease – Valerie Harper in My Mom and the Girl. (Tibrina Hobson is a win for us.”

Photography)

22

| NOVEMBER 2017

www.LovinLifeAfter50.com

A Tip of the Hat

A passionate collector and store owner shares the history of millinery. a small add-on, an accessory. They were perky, small and tilted. Elsa Schiaparelli’s I’m an East Coast native who moved collaboration with Salvadore Dali to Gilbert a few years ago. Among other changed the history of the hat in fashion. things, I brought to Arizona a passion for Their famous shoe hat turned the world’s attention to the hat and designers and vintage hats.

It all started with a stroll through a milliners everywhere followed her lead Goodwill store. I found a vintage hat and and produced “shock value” hats. Many was surprised that with my extensive were not as dramatic as the shoe hat, but fashion knowledge, I knew so little about whimsical and sure to turn heads.

The 1930s showcased the talents of hats. I researched and hunted for more hats, and I was hooked! They are such Italian fashion designer Elsa Schiaparelli, an integral part of fashion history and so New York’s Hattie Carnegie and Sally Victor and French-born American milliner often overlooked.

It’s hard to imagine a time when hats Lilly Dache.

Hollywood also had an effect on hat were so important, but they were once.

In the 1930s, the hat’s role was at first fashion. The film adaptation of Margaret Mitchell’s 1936 novel, Gone with the Wind, was the most notable. Walter Plunkett was the costume designer for the film, and created all 40 of Scarlett O’Hara’s outfits, most of them with glorious hats. Up to this point, women’s idea of fashion in the 1930s was long, silky gowns. After the release of the film, women rushed for Muse Kate is a vital part of corsets, scarves, Piorkowski’s overall outfit.

(Photos by Will Powers) and of course, hats.

Hats came to their own during the 1940s. Almost every style, shape and material was showcased during this decade.

Hat styles were influenced by WWII and hat materials like wool and felt were the only items not rationed. This is apparent in the plethora of styles.

The popular styles of the 1930s continued, such as the snood, headscarf (both of which are practical for the working woman) and the turban, which made a glorious appearance and was not only practical because it hid dirty hair or

BY NINA PIORKOWSKI

www.LovinLifeAfter50.com

Nina Piorkowski of Gilbert is happy to share her knowledge of hats with anyone who will listen.

curlers, but was also glamorous.

Carmen Miranda helped popularize the turban significantly. The turban could be made out of any available fabric and rayon and velvet turned the style into an evening look.

Practicality became key for hats during this period. Hair combs and clips suddenly were invaluable to the hat wearer and nothing that took lots of time arranging on one’s head survived.

Cartwheel hats made a big impact, as well. It was a wow factor for women – you couldn’t buy a new dress but you could purchase a new hat and feel like you had a whole new outfit. Also, flowers, feathers, buttons and ribbons made a delightful mark on the 1940s styles. So did color.

Vibrant hues danced on the heads of women; they were a morale booster of the most wonderful kind during worrisome times.

After the war, hat shops popped up everywhere and department stores expanded their hat shops. Lilly Dache reigned supreme and supplied many Hollywood styles on film. The 1950s was the last decade women wore hats daily. It was a staple of a woman’s wardrobe. There were flowers, pillboxes, berets, bonnets, hats for church, Sunday outings, funerals and cocktail parties.

In the 1960s, hats gave way to big, bold hair styles.

In 1957, the Catholic Church announced that head coverings were not necessary. Hats became the folly of youth. Young models in fashion magazines sported haute couture styles: the bucket, beret, tall and bold. Suddenly, hats were considered old-fashioned and

unnecessary.

Hair took center stage and bigger, bolder hairstyles were adapted by women of all ages. The designers who reigned in the decades before had retired and many themselves stated they had stopped wearing hats.

Hollywood reflected this trend, although we have notable examples of Audrey Hepburn in her Givenchydesigned styles. Jackie Onassis’s pink Chanel suit and matching pink pillbox hat defined the era elegantly.

Over the following decades, hats didn’t enjoy a major comeback. Today, they are sought by collectors, vintage lifestyle enthusiasts and actors’ studios.

I sell authentic vintage hats on eBay to this market of shoppers in the U.S. and across the seas.

During speaker engagements, I spread the word on these once ubiquitous hair accessories. It’s enough work to prepare for a presentation, but it’s even harder when you have to lug a 6-foot tall mannequin. Yes, Kate the mannequin is my muse and she travels with me to guest lectures. Kate is pretty — she’s a giant Barbie doll on wheels — and each time I acquire a hat, I can’t wait to place it jauntily on her head and take photos from different angels.

Did I mention that it’s hard to travel with a mannequin? But I wouldn’t have it any other way: People love seeing her and I often dress her in vintage outfits that include a vintage hat.

Write to Nina Piorkowski at oohilovethatstore@gmail.com or you can visit her hats at stores.ebay.com/ oohilovethatstore.

NOVEMBER 2017 |

23

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25

Medicare plans as unique as you are!

Trivia Contest

Time to put on your thinking caps

BY KENNETH LAFAVE Welcome to November, the month of peace and gratitude, as observed in two holidays: Veterans Day (Nov. 11), which began as Armistice Day, commemorating the peace treaty at the end of World War I; and Thanksgiving, which this year falls on Nov. 23.

November is National Peanut Butter Lovers Month, Banana Pudding Lovers Month, and National Pomegranate Month. I’m sure you can figure a way of combining all three in some sort of dessert. Oh, and Nov. 19 is International World Toilet Day, or so says the United Nations.

Lyle Lovett, Sally Field, Marie Curie, Neil Young, Whoopi Goldberg, Larry King, Jodie Foster, Harpo Marx, George S. Patton, Daniel Boone, Billie Jean King and

Jimi Hendrix were all born in November.

November is deep autumn, and throughout the month, days grow shorter and nights grow longer. Here in Phoenix, the interval between sunrise and sunset on Nov. 1 will be 10 hours and 48 minutes, but 42 minutes shorter than that on Nov. 30. The good news for Arizonans is the falling average temperature, especially welcome after the extended heat we experienced this October. The average high for November in Phoenix is 76 degrees Fahrenheit, and the average low is 52. Now that’s a reason for Thanksgiving!

Thanksgiving is a popular holiday and the gateway to our winter holiday season.

But how much do you really know about it?

November Questions:

3

We celebrate Thanksgiving Day. That first Thanksgiving in Plymouth lasted how long?

4

The chief of the tribe assisting the pilgrims contributed five of what animal to the Plymouth feast?

5

For Native Americans, our Thanksgiving is officially the Day of... what?

1

What year did the first Thanksgiving happen at Plymouth?

2

We all know that “Indians” helped the settlers. But they were of which tribe?

Contest Prizes:

For November, two readers in Tucson and two readers in Phoenix will win a certificate for a one-night stay at InnSuites.

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October Answers:

1

2 3 4

Lovin’ Life After 50 Attn: Trivia Contest 1620 W. Fountainhead Pkwy., #219 Tempe, AZ 85282

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In October of 1976, Chinese authorities arrested a group it called “The Gang of Four.” Whose widow was a member of the group? MAO ZEDONG What philosopher, born on Oct. 15, predicted the 20th century would see “wars such as there have never been on Earth before”? (FRIEDRICH) NIETZSCHE What October-born literary figure said, “There is only one thing worse than being talked about, and that is not being talked about”? OSCAR WILDE On Oct. 26, 1881, Wyatt Earp, two of his brothers and “Doc” Holliday gunned down four people in what was called the “Gunfight at the O.K. Corral.” Despite the name, however, the fight actually took place near a photography studio belonging to what then well-known photojournalist? C.S. FLY OR “BUCK” FLY Oct. 31 is Halloween, but it is also the date on which a certain important event happened in the history of religion in Europe, sparking huge changes in the Roman Catholic Church. Who was the man at the center of this event? MARTIN LUTHER

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Puzzles

EVEN EXCHANGE

ANSWERS ON PAGE 45

ACROSS 1 5 9 12 13 14 15 17 18 19 21 22 24 27 28 31 32 33 34 36 37 38

Stroller Goya subject Playwright Levin Emanation Press agent?

Affirmative action?

Stormy, as weather IRS employee Dwell Bygone anesthetic “Monopoly” corner “Car Talk” medium Clone Solidify Coconut provider Many millennia Lubricate Afternoon social Ness or Lomond Whatever number Membership Takes a break

40 41 43 47 48 51 52 53 54 55 56

Roker or Yankovic Brother of Curly Public celebration Extinct kin of the kiwi April payment Boom times Twice-monthly tide String instrument “Holy cow!”

Recedes Gaelic

DOWN 1 2 3 4 5 6 7 8 9 10

Twosome Mysterious character Curved paths Speak evil of Marceau’s specialty Exist Stewart of Comedy Central Chipped in a chip Not fully developed Lasso

by Donna Pettman

11 16 20 22 23 24 25 26 27 29 30 35 37 39 40 41 42 43 44 45 46 49 50

Hebrew month Tokyo’s old name Gratuity Jockey’s handful Partner Aviv preceder Court Grow Capricorn Meadow Wrestling surface Height of fashion?

Record holder Backbone Intent Self-satisfied Crosby pal Dandies Use a teaspoon New Mexico art colony Wheelbase terminus Kan. neighbor Taxi

Each numbered row contains two clues and two answers. The two answers differ from each other by only one letter, which has already been inserted. For example, if you exchange the A from MASTER for an I, you get MISTER. Do not change the order of the letters.

SUDOKU TIME

Place a number in the empty boxes in such a way that each row across, each column down and each small 9-box square contains all of the numbers from one to nine.

DIFFICULTY THIS MONTH ★

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The idea of Go Figure is to arrive at the figures given at the bottom and right-hand columns of the diagram by following the arithmetic signs in the order they are given (that is, from left to right and top to bottom). Use only the numbers below the diagram to complete its blank quares and use each of the nine numbers only once.

DIFFICULTY THIS MONTH ★ ★ ★

★ Moderate ★★ Difficult ★★★ GO FIGURE!

SCRAMBLERS Unscramble the letters within each rectangle to form four ordinary words. Then rearrange the boxed letters to form the mystery word, which will complete the gag!

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Travel To Live and Dine in Bologna Three days in the gastronomic capital of Italy

Bologna is a stunning blend of urban charm and history.

STORY BY ED BOITANO

Photographs by Deb Roskamp

My dreams had been colored by my upcoming trip to Bologna. Nestled in north central Italy in the region of EmiliaRomagna, Bologna has long been considered the gastronomic capital of Italy. With the moniker of “La Grassa” (the fat one), it is the birthplace of mortadella di Bologna, tagliatelle al ragù, tortellini en brodo, lasagne alla Bolognese and more. Nearby in the rich agricultural Po Valley, the cities of Modena hail balsamic vinegar as its home, and Parma, Parmigiano-Reggiano and Prosciutto di Parma, which all seem to make their way onto the Bolognese table.

And, yes, there would also be a number of city attractions to explore. With just threedays devoted to my exploration and culinary tour, I literally couldn’t wait to dig in.

Back story

It’s easy to get lost when wandering through Bologna’s narrow, somewhat gritty side streets lined with shops, markets, restaurants and osterias (taverns), the latter offering monumental happy hour antipasti dishes for the price of a simple glass of wine. Every little side street in the historic city center seemingly leads to a stunning piazza with remarkably preserved cathedrals and towers along with museums (there are over 50) and outdoor cafés. The city is a stunning blend of urban charm and history. Bologna boasts the Università di Bologna, the oldest university in the world (circa 1158), and is referred to as the most educated and forward-thinking city in Italy. Bologna, for example, was the first city in the world to abolish slavery. If

30

you’re short on time, a hop on/hop off bus is the best way to begin your exploration, which offers a comprehensive overview of Bologna from the Etruscan and Roman origins to its modern culture of today.

Day 1: The Antipasto - Piazza Maggiore and mortadella di Bologna

The two leaning towers, Garisenda and Asinelli, are the most traditional symbols of Bologna. In the late 12th century, 100 towers graced the skyline, but today only 20 have survived the ravages of fire and warfare. The wealthy would live on the top floor of the tower, to avoid theft and streetfighting. From the top of the Asinelli Tower, you can admire the red roofs and the hills around the city, plus get oriented.

Piazza Maggiore is a good place for a refreshing aperol spritz and a platter of Bologna’s most important antipasto: mortadella di Bologna. Not to be confused with U.S.

baloney, mortadella is a paper thin-sliced, heat-cured pork sausage, flavored with small cubes of pork fat, whole black pepper, myrtle berries, nutmeg and pistachios. Surprisingly, it is low in calories. The platter can include a dollop of a creamy soft cheese, along with a basket of pocket-sized gnocco fritto (fried bread, similar to the New Mexican sopaipilla). Watching life go by from an outdoor café, it was easy for me to see that Bologna offered a nice blend of tourists and locals, unlike the overtly touristy destinations of Venice, Rome and Florence.

Day 2: The Primo - Basilica di Santo Stefano and tagliatelle al ragù & tortellini en brodo

Considered Bologna’s most important religious site (circa 11th century), Basilica di Santo Stefano is steeped in centuries of Bolognese history. Originally it consisted of seven churches on the site, but only four remain intact today. The austere octagonal cathedral incorporates Romanesque and Lombardian architectural design. It is not to be missed.

It had been an exhausting day of exploring, and my stomach told me that a muchawaited bout with tagliatelle al ragù and tortellini en brodo were definitely in order.

In Bologna, fresh egg pasta is the thing, and tagliatelle pasta is no exception. The fresh noodles are lathered in a thick ragù alla Bolognese sauce, consisting of onions, carrots, pork, veal, and with just a bit of tomato. It was splendid, but a bit more rustic than I had imagined. A Bolognese

sauce in the U.S. simply means a tomato sauce with beef, and is not an authentic Bolognese dish. Tortellini en brodo (in beef broth) is the traditional first course for Christmas feasts in Bologna. The shape of the pasta dumpling (generally filled with a mixture of pork loin, prosciutto, mortadella and Parmigiano), is said to be inspired

by Venus’ navel.

Day 3: The Secondo- Sanctuary of the Madonna di San Luca and lasagne alla Bolognese

A kiddie-like train leads up to The Sanctuary of the Madonna of San Luca, a monumental basilica church nestled atop a forested hill, with breathtaking vistas of the city and surrounding countryside.

The church existed on the hill for over ten centuries when a pilgrim from the Byzantine Empire came to Bologna with an icon of the Virgin Mary from the temple of Saint Sofia in Constantinople. Initially, the small hermitage-chapel was tendered by two holy women. The present church was constructed in 1723. Today, pilgrims from all over the world (many barefoot) join an annual pilgrimage along the path from Bologna to the sanctuary. Upon reaching the top, the sanctuary opens up in an inspiring display of Baroque architecture. The experience also had an effect on my appetite. So for my last meal in Bologna, it had to be my favorite Italian dish, the quintessential lasagne alla Bolognese. The preparation of the dish consists of layering wide green pasta with a rich ragù sauce, béchamel sauce and abundant Parmesano cheese, and then baking it in the oven. Every bite was a gift from heaven. My list, for now, was complete for the three-day culinary tour and exploration of this fascinating historical city. And yes, I will return to Bologna again for more sights and other tantalizing dishes.

Post script

Wait a second – how could I have forgotten the delicious and filling cotoletta alla Bolognese (similar to cotoletta alla Milanese, but with a slice of prosciutto and cheese on top, then a spoonful of ragù)?

Perhaps the reason it was overlooked was that this delicious dish was the last thing I ordered in Bologna, and I was tragically unable to finish it. My waitress looked down at the half-eaten dish, and asked if it was OK. I replied it was beyond tremendous, but I just couldn’t consume any more food. She smiled and said, “Well, we are called the ‘Fat One’ for a reason.”

For further information, visit bolognawelcome.com/en In Bologna, fresh egg pasta is king.

| NOVEMBER 2017

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Four Days In

Berlin, Germany

BY KERIDWEN CORNELIUS

with verdigris cupolas. Tour the church, Berlin’s risqué rep and cooler-by the- listen to an organ concert, or stroll the second culture scene are so talked Lustgarten, where street performers sing about that a first-time visitor could arrive or blow Brobdingnagian bubbles.

At the Alte Nationalgalerie, also on the expecting a gentrifying Gomorrah – a cross between Cabaret and Williamsburg, island, rendezvous with international Brooklyn. The reality is refreshingly different. Impressionists and German Romantic The German capital’s coolness is casual and landscape painters like Caspar David Friedrich.

Next unselfconscious. door, the justifiably Its residents are popular Pergamon multicultural, Museum connects polylingual and visitors to the well-informed. Its cradle of Western leafy streets and civilization with a jawpastel buildings dropping collection wear a patina of of ginormous old Eastern Europe antiquities.

Walk and a cologne of like a Babylonian bohemianism. beneath the 46-footThough it isn’t the tall, cobalt blue Ishtar prettiest city, its Gate, constructed flawed beauty grows circa 575 BCE. Marvel on you, the way a at the 100-foot-wide, lined face becomes marble Market Gate more attractive for of Miletus. the history it holds.

If museum And Berlin has been overload brings on creased by more The Memorial to the Murdered Jews of Europe character-building contains 2,711 concrete slabs arranged in a maze- Stendhal Syndrome, soothe your mind on history than most like mass. (Photo by Stefan Wagner) a one-hour boat trip cities. along the Spree with Berliner Wassertaxi.

Day 1: Menagerie of Museums Base yourself in buzzing, central Mitte Then fortify yourself at Lebensmittel in or quieter, leafier Prenzlauer Berg. Both are Mitte, a gemütlich German restaurant located in the former East Berlin. Both are decked out like a country grocery store. packed with outdoor cafes and indie shops. Day 2: Pieces of Paris and Walls With its pastel prewar buildings, And both are within walking distance of many sites, including Museum Island. This cobblestoned streets and effervescent F&B UNESCO World Heritage Site surrounded scene, Prenzlauer Berg could – if you squint by the Spree River is home to the Berliner – be Paris’ doppelgänger. But then you spot Dom, a Neo-Renaissance cathedral capped the street art, the admittedly gritty parks,

The Berliner Dom on Museum Island (Photo by Keridwen Cornelius)

and the remnants of the world’s most notorious wall, and you could only be in Berlin. On Thursdays and Saturdays, follow the scent of fresh bread to the Kollwitzplatz farmers’ market. Sundays bring a flea market to the Mauerpark (“wall” park) and food trucks to the Kulturbrauerei (“culture brewery”). Tucked inside this restored 19thcentury brewery is a museum dedicated to “Alltag in der DDR” – everyday life in socialist, Cold War-era East Germany. It’s a fascinating and free portal into an Orwellian otherworld. Surrounded by propaganda posters, leaf through an illustrated guestbook for factory-controlled holiday homes, peek at surveillance devices, and learn how families coped with empty store shelves through imaginative DIY. To see how this isolationist state was perpetuated, walk past the Mauerpark’s graffitied strip of wall to the Berlin Wall Memorial on Bernauer Straße. Ponder slabs of wall that resemble overgrown gravestones, photographs of people killed seeking freedom, and the rusty metal bars’

resemblance to our own border barrier.

A short stroll away, hidden in another former 19th-century brewery, is a boho foodie gem called Katz Orange. If you can’t fathom how cauliflower could induce envy, indulge in their brown-buttered version with smoked potatoes while basking in the eclectic, Peruvian-leaning atmosphere.

Day 3: Transparent History

Germany aims to be transparent about its past and present – an ethic exemplified in the see-through dome of the Reichstag.

Register in advance to visit this legislative building, then ascend symbolically above the politicians to gaze out over the city.

You’re in modern West Berlin, where everything is busier and bigger – including your next stop.

For the last 200 years, major events marking war and peace have all swung through the Brandenburg Gate. Napoleon’s victory march, Hitler’s seizure of power, WWII bombings, protests against German

Berlin...continued on page 37

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The Prinzessinnengärten, where urban utopians have transformed a former wasteland into a community garden. (Photo by Assenmacher)

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Berlin...continued from page 36 division and celebrations of reunification: This gate has seen it all. Stand where President Reagan stood and declare to the air, “Mr. Gorbachev, open this gate.”

A short walk south is the Memorial to the Murdered Jews of Europe – 2,711 concrete slabs arranged in a maze-like mass. Does this Holocaust memorial represent a graveyard of coffins? Dehumanization? A descent into a labyrinth of evil? You decide.

The transparency continues at Topography of Terror. This free indooroutdoor museum is a massive mea culpa chronicling the history of Nazism. Housed in the former Gestapo HQ, the exhibits take you behind the scenes of the Third Reich’s propaganda, intimidation and malevolent machinations.

Day 4: Gardens and Galleries

The powerful story continues at the Jewish Museum, which commemorates not just the Holocaust but 2,000 years of Jewish people’s contributions to philosophy, science, art, literature and more. Everything about the museum – from the dramatic angular architecture to the immersive installations – is a lightning rod for deep thought.

It’s high time for good news, greenery

Museum Island, as seen from a nearby TV tower. (Photo by Bernt Rostad)

and healthy gastronomy. You’ll find them all at nearby Prinzessinnengärten, where urban utopians have transformed a former wasteland into a community garden. Relax in a mini sylvan glen, sip house-brewed beer, and savor vegan food made from plants grown onsite. Then stroll the streets

of Kreuzberg, a curious cultural combo of hipster creatives and conservative Turkish immigrants. If you’re here on a Tuesday or Friday, walk along the Landwehr canal to the Turkish Market, where you might sit waterside, nibbling baklava while a funky musician performs protest songs.

Finally, cross the Spree to East Side Gallery, the longest open-air gallery in the world. Artists have painted this 1.3-kilometer strip of the Berlin Wall with more than 100 murals – some dark, some hopeful, some kinda crazy. The clash of grim history and gritty, colorful, creative present perfectly captures Berlin.

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Dining It’s a Rancher’s Life for Me Wrangle a heaping plate of authentic Southwest barbeque at Pinnacle Peak – just don’t wear a tie.

STORY & PHOTOS BY JESSICA SURIANO The Wild West is still alive and well in Tucson’s Trail Dust Down, and specifically, the Pinnacle Peak Steakhouse. While its menu may have expanded since the restaurant’s opening over 50 years ago, its mesquite T-Bone steaks are still the main attraction.

Pinnacle Peak, a time capsule into Tucson’s adventurous past, has perfectly preserved a cowboy’s or cowgirl’s oasis.

Equipped with an open-pit grill, full-service “saloon” and an abundance of antiques from the Southwest around the dining area, you might forget you are in the 21st century for an hour or two.

Master griller Bryan Keith, a 26-year veteran of the Pinnacle Peak kitchen, will cook a variety of steaks to perfection. You can smell the authentic barbeque from the second you walk through the door.

The mesquite steaks that have been the restaurant’s pride and joy since its beginning are the Cowboy, Cowgirl and Big Cowboy – ranging from $23 to $33.

If you are not ready to dive completely into the cowboy lifestyle, don’t worry.

Keith can also fire up the grill for a New York Strip ($21), top sirloin ($16), filet mignon ($26), bone-in rib-eye steak ($23) or baby back ribs ($18 for half of a rack or $24 for a full rack). The Wrangler Burger

($11), Trail Boss Burger ($15) and Ranch Hand Burger ($13) are convenient choices, too, and each has its own twist to keep the Western spirit alive in each mouthful.

For some of the most flavorful brisket in Southern Arizona, chow down on sliced or shredded beef drenched in tangy barbeque sauce ($12 to $15). You’ll definitely need extra napkins, but it’s more than worth it.

For those who may not be as beef-inclined, opt for grilled chicken ($15), grilled salmon ($20) or a veggie burger ($10). Of course, a cowboy’s meal is not complete without home-style sides ranging from $4 to $6, such as ranch beans, baked potatoes, mashed potatoes, grilled corn on the cob, red or green salsa, roasted mushrooms or macaroni and cheese. You won’t be waiting long before your server, clad in premium cowgirl or cowboy wear, delivers mouthwatering meals.

With this smorgasbord of comfort food in front of you on checkerboard tablecloths, you will need to wash it down with some sarsaparilla – or one of the many options on the wine, beer and cocktail menus. The cocktail menu is chock-full of Wild West inspiration, from prickly pear margaritas ($7.25) to sangria ($5) to a “Tucson Sunset,” a rum drink that looks exactly like its name ($7).

In true Southwest style, the dining area

The ceiling is overflowing with cut-off ties from every corner of the world.

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| NOVEMBER 2017

Chef Bryan Keith tends to the famous mesquite steaks.

is perfect for families, and kids will love the most popular menu items. “I enjoy hearing the occasional “Yee-haw!” from people, and I still enjoy seating customers,” some of the more enthusiastic servers. Padias says.

However, if you hear a cow bell approachIf you want to conclude your feast with ing your table, double check that you left a classic dessert such as a fruit cobbler your necktie at ($8), a Trail Dust home. Otherwise, it Brownie with vawill meet its worst nilla ice cream nightmare – a cow($8), or a vanilla, boy’s scissors. chocolate or strawYes, you read berry milkshake that correctly. No ($5), treat yourself! ties are allowed Just remember to in this establishwear your stretchy ment, partner, and pants. if you happen to If the sugar from wear one either on the scrumptious purpose or on acdesserts gave the cident, it will be regrandkids a seclocated to its new Bartender Nicholas Gartrell pours out a “Margarita ond boost of enerhome on the ceil- Fresca” ($9) in the Silver Dollar Saloon, the bar con- gy, Trail Dust Town nected to the restaurant. ing panels. has you covered.

In fact, look up while you’re chowing A miniature train, Ferris wheel, carousel, down and you will see an ocean of neck- haunted house, shooting gallery, gold ties from all around the world. Ties with panning and the Museum of the Horse international flags on them, SpongeBob Soldier are equipped to entertain the SquarePants ties, Christmas ties, smiley- most rambunctious youngsters.

Last, but certainly not least, dine at Pinface ties – you name it, Pinnacle Peak has nacle Peak any night from Wednesday to probably seen it!

Lucille Padias, known lovingly as “Mama Saturday, and you can step outside onto Lou” by the staff at Pinnacle Peak, recently the street of the town to the Pinnacle Peak retired after 50 years of service at Pinnacle Pistoleros famous stunt show – a funny and Peak, and has seen the restaurant undergo exciting attraction for all ages that revives many changes throughout the years, in- the lives of long-gone, dueling cowboys.

Eat like a cowboy at Pinnacle Peak, and cluding much more business competition, maybe even live like one for a night, too! but described it as a home to her.

She said when she first started as a waitress, the menu only had the Cowboy and Pinnacle Peak Steakhouse Cowgirl mesquite steaks for around $3.

6541 E. Tanque Verde Rd., Tucson The reputation of these steaks has lived 296-0911, pinnaclepeaktucson.com on, according to Padias, and they are still

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What’s Cooking?

Pasta with Italian sausage and pumpkin sauce

BY JAN D’ATRI Your first reaction to this combination may be similar to mine. “What? That sounds crazy!” But once your kitchen is filled with the aroma of simmering garlic and wine, and then the combination of pumpkin, sage and spicy sausage, you’re going to realize that pasta with sausage and pumpkin sauce is a home run!

The recipe was made popular

by PBS star and cookbook author Nick Stellino, whose authentic Italian cuisine has been featured on numerous television shows for decades. This dish is taken from Nick’s Sicilian roots and is the perfect meal for fall! We have plenty of choices for food and drink using pumpkin and pumpkin spices, from pumpkin spice lattes to pumpkin cookies, cakes and pies.

Pasta with Italian sausage and pumpkin sauce Ingredients: - 4 tablespoons olive oil - 1 pound Italian hot sausage, casings removed - 1 cup chopped onion - 10 garlic cloves, sliced thick - 3 tablespoons chopped fresh sage - 1-1/4 cup white wine - 1/4 teaspoon cinnamon (optional) - 1-1/4 cup pumpkin puree - 2 cups chicken stock - 1 pound of pasta (penne, bow tie) - 6 tablespoons Parmesan cheese (optional) Directions: In a large skillet, cook 1 tablespoon of olive oil over high heat for 2 minutes. Add the sausage and break up into small pieces. Cook sausage until brown, about 3 minutes. Remove sausage with a slotted spoon and place in a bowl. Set aside. Leave about 1 tablespoon of the oil from the sausage in the skillet. Add the remaining 3 tablespoons of olive oil. Add the onion, garlic and chopped sage.

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(Photo courtesy Jan D’Atri)

But if you love pasta, this pumpkin sauce brings a whole new flavor profile to your plate. The subtle flavor of the sauce combined with a spicy sausage is unbeatable! This is the dish that made me a pumpkin pasta convert, and I hope it does the same for you.

Cook for approximately 10 minutes, stirring well until the onion and garlic begin to brown. Add 1/4 teaspoon of red pepper flakes if desired. Add the reserved sausage back into the skillet with onions and garlic and cook for 2 more minutes, stirring well. Add the wine and deglaze the pan, making sure to scrape the skillet to dislodge all the browned bits. Cook for 8 minutes.

Add the pumpkin puree and cook for 2 minutes, stirring well. Add the chicken stock and cinnamon. Bring to a boil over high heat, then reduce heat and simmer for 30 minutes.

While sauce is cooking, bring a large pot of water (add 2 tablespoons of salt) to a boil. Add the pasta and cook according to package instructions. Drain the pasta and pour back into the pot. Add the sauce and cook over medium heat for 3 to 5 minutes, gently stirring to incorporate. Add the optional Parmesan cheese and serve. Garnish with shaved Parmesan cheese. Makes 6 to 8 servings.

NOVEMBER 2017 |

39

Columns Ask the Expert

Is your family ready for flu season?

SPECIAL TO LLAF From cooler temperatures to pumpkin pie, we welcome many things that come with the fall season, but the flu is not one of them.

Dr. Katherine Leitner, a Vail pediatrician and mom, provides some important pointers to best prepare families for flu season.

How should a family prepare for flu season?

The most effective preventive measure is a flu vaccination. Everyone in the family should get a flu shot. If experiencing flulike symptoms: cover your mouth when coughing, avoid touching your face,

wash your hands with soap and water frequently, disinfect surfaces you come in contact with and stay at home for at least 24 hours.

When should you get a flu shot?

The Centers for Disease Control recommends receiving a flu vaccine in October. Even if you did not receive the flu shot in October, it is still beneficial to obtain one throughout the flu season which can run through January or later.

It is also important that everyone get the flu shot yearly, because the flu strain changes from year to year.

The most effective thing you can do is get a flu vaccination. (Special to LLAF)

What about vitamin C and a healthy diet?

Studies have shown that supplementing with vitamin C during a cold does not actually improve the outcome or decrease the duration of illness. However, it is always important to stick to a healthy diet so you can build a good immune system for when you do get sick. During an illness, drinking lots of fluids and staying hydrated is very important.

What should you do if a child is showing flu symptoms?

Make an appointment with their health care provider right away. The provider can test for the flu and treat it with a medication if caught early. To prevent the spread of illness, keep your child out of school until he or she is feeling better.

Dr. Leitner is a TMCOne provider at the TMC Rincon Health Campus, near Drexel and Houghton.

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Avoid holiday hearing madness this year

BY KEN ARCIA

Arizona Relay Service

The holidays should be a time to connect and enjoy time with family. For those who are hard of hearing, this isn’t always the case. The noise during a large family meal over a crowded dining room table can sometimes be overwhelming to the more than 48 million Americans who have some degree of hearing loss. Hearing aids and cochlear implants can even have limitations in noisy environments such as these. With this in mind, here are some tips you can use to help make the holidays more enjoyable for everyone.

Five Tips for Better Holiday Conversation

• Anticipate difficult situations and plan how to minimize them. Know there will most likely be a time when you can’t understand what everyone is saying at once. Create a plan on how to deal with these situations. If you want to have a one-on-one conversation while everyone else is talking, pull that person aside into a quiet area.

• Pay attention and concentrate on one speaker. While you may be gathered with many people who are all carrying on their own side conversations, decide who you’d like to speak to or listen to and concentrate only on them. If that’s not working and you’re having trouble understanding, take a look at the next two tips.

• Ask that everyone speak one at a time and don’t talk over one another. If you are having people over, give them a reminder that you may have trouble following a conversation if more than one person is talking at once and ask that everyone try to speak one at a time. If you are visiting family members or friends for the holidays, ask your hosts if they would let other guests know of the situation.

• Communicate to others when you don’t understand what they are saying. Make it known that you’re having difficulty understanding what they are saying. Ask that they repeat themselves and/or give them tips so that you can better understand what they’re saying in the future.

• If you’re too tired to concentrate, ask for discussion later. While the holidays are meant to be relaxing, they can also be quite exhausting since family and friends

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• Don’t speak all at once: Although this may be considered as another obvious tip, it is common for family gatherings to get loud. This can be overwhelming for those who are hard of hearing because they tend to rely on visual aspects of communication. It also makes it difficult for them to pinpoint where the sound is coming from.

• Be mindful of the environment: When trying to engage someone who is hard of hearing in conversation, try to position yourselves in a location within the room that is quieter. This helps eliminate excess noise and lighting that may otherwise distract them from hearing what you’re saying.

Everyone wants to enjoy the holidays – that’s the point! Use these tips to help navigate through the holiday din.

Remember that holiday communication can start well before the holidays arrive.

Share these tips with your family members beforehand so that they, too, know what to expect and how to better communicate with those who have a hearing loss.

For more information on the Arizona Commission for the Deaf and the Hard of Hearing, visit adhh.org, or Arizona Relay Service, visit azrelay.org.

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Smart Money

long-term care and terminal illness coverage, disability coverage, income tax mitigation, tax-advantaged wealth transfer, estate planning benefits – and that is just to name a few of their benefits.

IULs are considered a conservative asset class because a portion of the policy is indexed to a certain sector of the stock market while the principal or cash value is protected from losses when markets don’t perform. And even while you take tax-favored income to live on, an IUL contract continues to credit interest to the policy cash value based on that index’s market performance. The fees associated with an IUL are primarily from the cost of insurance, which can be in the same range as an advisory fee for managed investment accounts.

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When to use an IUL:

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BY JEFF P. VOGAN, RFC, CEP

Investment Advisor Representative with Horter Investment Management, LLC, and President of Premiere Retirement and Wealth Management

“Do I need life insurance in retirement?”

The answer for many retirees is “probably not” - unless your untimely death will leave someone you love broke or without sustainable lifetime retirement income.

But let’s assume you have all that taken care of with pensions, social security, and annuities providing a reasonably solid income plan supplemented by your investments, IRAs, etc.

Maybe the death benefit of a life insurance policy is not a big deal but the tax benefits and how you use them might be a VERY BIG deal. Life insurance companies are now using a very favorable tax code (7702) to answer a growing preretiree and retiree demand with Indexed Universal Life Policies, or IULs. IULs are permanent insurance policies that can provide guaranteed “tax advantaged” lifetime income in retirement, spousal transfer benefits, income replacement,

IULs are designed to be permanent life insurance policies. Keeping the policy in force for life allows the beneficiaries to receive the death benefit, plus any balance of the policy, tax-free. Your policy cash values grow tax deferred and if funded correctly, can provide a tax-free income stream through loan provisions.

Any amount borrowed is treated like it’s still there when interest is being credited.

Owners can borrow against the accumulation portion of their policy and never have to pay the money back until death, which is paid from the tax-free death benefit.

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Bond, CD, and savings account safemoney alternative. With return rates for these common investments still hovering around 1-2 percent, IULs offer more upside potential with equal liquidity.

Some have historical returns of 6-7 percent or more over the past few decades, even when the stock market has not performed well.

IRA, Roth IRA, Roth conversions, 401(k), 403(b) or as a defined-benefit investment alternative. IULs are sometimes called a “rich person’s Roth” by industry insiders because there are no income limits placed on them. There are no IRS or state

tax penalties for taking money out before age 59-½, you don’t have to pay back any loans until you die, there are no RMDs for you or your heirs to deal with, there are no capital gains, there is no taxable interest, and IULs are not included as provisional income when calculating Social Security taxation. A retirement plan on steroids, you might say.

Guaranteed lifetime income, long-term care insurance. The riders available for IULs make it possible to mix and match to solve many problems as you plan your retirement. These riders can be used to meet specific legacy needs and provide lifetime income similar to an annuity, or hedge against future health issues that can devastate families who are not prepared for the high cost of long-term care, chronic illness or terminal illness.

Indexed Universal Life policies are not right for everyone, but they can be good for many. With the ability to solve many critical problems that retirees face, IULs have already grown quickly in popularity, and are on track to set new records for policies written.

Perhaps you should consider how the right IUL can become a productive part of your retirement plan.

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17th Annual KGVY Sr./Boomer Info Fair COMING NOVEMBER 7TH!!

17th Annual KGVY Sr./Boomer Info Fair Tuesday, November 7th • 9AM to 1PM 17th Annual KGVY Sr./Boomer Info Fair 17th Annual KGVY Sr./Boomer Info Fair Desert Hills Lutheran Church 17th Annual KGVY Sr./Boomer Info Fair Tuesday, November 7th • 9AM to 1PM Tuesday, November 7th • 9AM to 1PM 2150 November S. Camino del Sol7th • Green Valley to 1PM Tuesday, • 9AM Desert Hills Lutheran Church 17th Annual KGVY Sr./Boomer Info Fair Desert Hills Lutheran Church Tuesday, November 7th • 9AM to 1PM • FREE ADMISSION & FREE PARKING • Desert Hills del Lutheran Church Tuesday, November 7th • 9AM to 1PM 2150 S. Camino Sol • Green Valley 2150 S. Camino del Sol • Green Valley Desert Hills del Lutheran ChurchValley FREE ODS Over2150 S. Camino Sol • Green 50 Exhibitors with information & samples, O F Desert Hills Lutheran Church R E G N 17th Annual KGVY Sr./Boomer Info Fair • FREE ADMISSION & FREE PARKING • I Tuesday, November 7th • 9AM to 1PM F 2150 S. Camino del Sol • Green Valley • FREE ADMISSION & FREE PARKING • demonstrations & health screenings DOOR S OPEN AT 9DAM OORS SO HDAO O RN P RS E O ODP O A PEN R ASTT OD 9 P A EN M OR 9O AST A M y a d D e S h t O O H t 9 u O P A o E R R MP SHAN AST through 8 local R P O • FREE ADMISSION & FREE PARKING • 2150 S. Camino del Sol • Green Valley P S E H by 9AN R MPAT Desert Hills Lutheran ants!

Over Exhibitors with information & FREE ADMISSION & FREEChurch PARKING • restaur 9 Over •50 50 Exhibitors with information & samples, samples, SD AR HO M A OPRS Over2150 50 Exhibitors with information & samples, • FREE ADMISSION & FREE PARKING • SHPA O demonstrations & health screenings S. Camino del Sol • Green Valley EN RPAT & health screenings Overdemonstrations 50 Exhibitors with information & samples, & health screenings 9AM Overdemonstrations 50 Exhibitors with information & samples, Desert Hills Lutheran Church • FREE ADMISSION & FREE PARKING • SD demonstrations & health screenings HO Cholesterol • Vascular • Blood Flow • Carotid Artery Check AR OPRS • Free Morning & Afternoon Finger Foods • FREE HEALTH 2150 demonstrations & health screenings O S.Cancer Camino del information Sol Green Valley PEN A Screenings ••Hearing Test • Blood Tuesday, November 7th • 9AM toPressure 1PMCheck Over 50Skin Exhibitors with & samples, T SCREENINGS! 9 A Cholesterol • Carotid Artery Check M Balance Testing ••Flu Shots/Insurance Cash Cholesterol • Flow Desert Hills Lutheran Church Cholesterol • Vascular Vascular • Blood Blood Flow • • Carotid Carotid Artery Check Check • FREE ADMISSION & FREE PARKING • orArtery demonstrations & health screenings SD H FREE HEALTH O AR OPRS Cholesterol • del Vascular •Hearing Blood Flow •••Carotid Artery Check FREE HEALTH 2150 Skin Cancer Screenings Hearing Test Blood Pressure Skin Cancer Screenings •• Test Blood Pressure Check OCheck S. Camino Sol • Green Valley P E Skin Cancer Screenings • Hearing Test • Blood Pressure Check N AT SCREENINGS! FREE HEALTH Cholesterol • Vascular • Flu Blood Flow ••Carotid Artery Check SCREENINGS! 9 Over •50 Exhibitors with information & samples, Skin Cancer Screenings • Hearing Test Blood Pressure Check A M Balance Testing Shots/Insurance or Cash Desert Hills Lutheran Church Balance Testing ••• Flu Balance Testing Shots/Insurance orArtery CashCheck FREE ADMISSION & FREE PARKING • SCREENINGS! FREE HEALTH SD Cholesterol • Vascular Blood Flow ••Carotid HO AR OPRS Skin Cancer Screenings • Hearing Test Blood Pressure Check Balance Testing Flu Shots/Insurance or Cash demonstrations & health screenings FREE HEALTH SCREENINGS! O 2150 S. Camino del Sol • Green Valley PEN A Skin Cancer Screenings • Flu Hearing Test • Blood or Pressure Overa50 Exhibitors with information & samples, Please bring non-perishable food donation Balance Testing • Shots/Insurance Cash Check T SCREENINGS! Cholesterol • Vascular • Blood Flow • Carotid Artery Check 9 demonstrations & health screenings A M Balance Testing • FluValley Shots/Insurance or Cash for FREE the Community Bank - Amado &&Green HEALTH •Food FREE ADMISSION FREE PARKING • ARP Skin Cancer Screenings • Hearing Test • Blood PressureSHCheck SCREENINGS! Balance Testing • Flu Shots/Insurance or Cash 2017with Co-Sponsors Over 50 Exhibitors information & samples, Cholesterol • Vascular • Blood Flow • Carotid Artery Check Cholesterol • Vascular • Blood Flow • Carotid Artery Check FREE HEALTH & health screenings FREE HEALTH demonstrations Skin Skin Cancer Cancer Screenings Screenings • • Hearing Hearing Test Test • • Blood Blood Pressure Pressure Check Check SCREENINGS! SCREENINGS! 2017 Co-Sponsors 2017 Co-Sponsors Balance Testing Balance Testing • • Flu Flu Shots/Insurance Shots/Insurance or or Cash Cash

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17th Annual KGVY Sr./Boomer Info Fair Tuesday, November 7th • 9AM to 1PM

Alexa Beauty and Barber - Lisa Carothers Alvernon Optical FREE HEALTH American Southwest Credit Union Angel Valley Funeral Home SCREENINGS! Animal League of Green Valley Associated Dermatologists Arroyo Gardens AZ Oncology Bill’s Home Service Canyon Valley Memory Care CareMore Medicare Health Plan Carondelet Health Network

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NOVEMBER 2017 |

43

T HE F INISH L INE Arizona’s Leader in Senior Fitness

Free racewalking clinic offered

Registration delayed by venue challenges

Although the ASO registration was due to open on October 1, venue challenges have delayed the start by several weeks.

“There are challenges in an area of three million people that games in smaller areas do not have to meet,” ASO director Irene Stillwell says. “We have 6 months when it’s too hot for senior athletes to compete outdoors and that leaves just 6 months into which all of the events in the Valley are held, so the competition for facilities makes it difficult. Added to that is the problem of having to pay for facilities and still keep our fees as reasonable as possible.”

ASO volunteers begin looking for facilities, and for people to run the events for the next year right after the games end in March. Hundreds of hours are spent researching venues and meeting with property managers to work out details.

“Whenever possible, we try to keep our venues stable from year to year, but every year, some have to be changed for a variety of reasons” Stillwell says.

Registration will have an “Early Bird” feature again this year and all athletes are urged to register as soon as registration opens to ensure the discounted rate.

Top Score software enhanced Top Score, the Arizona Senior Olympics registration software, has been enhanced to make it even more user-friendly than last year. Athletes registering online will find that sport choices have been made more clear and navigation of the site will be more simple than in the past.

Tom Stillwell, Games Registration Chair, explained that “In a perfect world, everyone would register online since it makes the work done by volunteers so much easier. However, we know that

2017 Sponsors

44

some of our athletes don’t have access to computers so we will offer paper registration to accommodate their needs.”

Paper registration will be open for a limited amount of time to allow volunteers time to enter those registrations into the ASO program so the information can be sorted and sent to the various sports commissioners in preparation for competition. As in past years, those needing help with online registration can call the ASO office for help.

The Finish Line Newsletter is produced

by Arizona Senior Olympics, founded by:

| NOVEMBER 2017

Racewalking is not running. It’s not walking. It’s an Olympic sport practiced by athletes from all over the world. It’s also one of the sports offered by Arizona Senior Olympics.

Walking is one of the best forms of exercise and if done properly, can burn as many calories per mile as jogging. At the clinic, you will learn the basic technique for competition in official track events and (for those 50 and older) prepare for the Arizona Senior Olympic Games. The clinic is taught by long-time ASO Racewalker and Finish Line contributor, Ellie Kallal. Ellie has been racewalking for many years and is an excellent teacher and coach. Everyone is

invited to attend the clinic and all ages are welcome. The clinic is Saturday, December 16 at 9 a.m. at Granada Park, 6505 N. 20th St., Phoenix. Meet near the restrooms. To reserve your place at the clinic, please call Ellie at Racewalking Arizona, 480-980-3366, or email ellie.kallal@cox.net. RSVP by December 14th.

You can do it!

Time to get fit!

Start with one-pound weights (or a can of soup) for 2 minutes, three times a week. As exercises get easier, add weight or numbers of reps.

UPPER BODY EXERCISES

Bicep curls and tricep extensions: Using both arms and holding a weight in each hand, begin with the arm straight at your side and curl the weight toward your shoulder. Repeat 10-15 times.

Arm lifts: Stand with the weights in each hand at your side. Lift the weights straight out to form the Letter “T” with your arms. Hold. Repeat 10-15 times.

Wrist curls: Sit in a chair with elbows close to your body and palms up with

weights in your hands. Pull weight up toward the front of the shoulders. Repeat 10-15 times.

LOWER BODY EXERCISES

Knee/leg extensions: Sit in a chair. With foot straight in front, raise leg. Repeat 1015 times.

Hamstring curl: Stand holding onto the back of a chair. Bend leg back and up toward the buttocks. Repeat 10-15 times.

Calf raises: Holding onto the back of the chair, stand on toes. Relax. Repeat 10-15 times.

Arizona Senior Olympics P.O. Box 33278, Phoenix, AZ 85067-3278 in partnership with the cities of Chandler, Glendale, Mesa, Peoria, Scottsdale, Tempe and the communities of Sun City, Sun City West and Sun City Grand

602-274-7742 www.seniorgames.org

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www.seniorgames.org

More Is Better

BY ELLIE KALAL Dr. Lydia Woods loves to compete in many sports. Most of us have a few things we like to do. Lydia likes to do them all.

In 2005, she entered her first senior games, competing in two swimming events, three track events and tennis, billiards and bowling. What she hadn’t done before, she practiced for two weeks before entering.

She loved it. She felt exhilarated. She hadn’t been competing and once she got back to it, she couldn’t get enough.

In 2006, she won 105 medals competing in USA Track & Field and Senior Olympic meets. She was living in Georgia and traveled to Alabama, South Carolina, Florida and “five or six other states” to compete. In 2007, she earned 104 medals and in 2008, she became the first senior to be nationally ranked in all 22 events in the Senior Games.

In the 2017 ASO games, she competed in billiards, table tennis and 11 events in track and field.

Lydia so strongly believes in the benefits of sport and the idea of Senior Olympics that she became an ambassador and in 2007 began speaking to churches and other groups, encouraging other seniors to get involved.

In Atlanta, Lydia helped start the “Black Girls Run” in order to inspire women to run and be healthy. This organization is now nationwide. When she was still teaching, she would tease her students with, “I’m a grandma and I’m beating you. You’re a slacker. Get fit!” And it worked.

She was always active and went to college planning to be on the swimming

team. When the team was discontinued she turned to track, hockey and tennis.

Although she started out to be a chemical engineering teacher, the lab work took time away from her family so she decided to become a physical education teacher. Lydia eventually graduated with a doctorate of education in kinesiology and sport studies from the University of Georgia and taught those classes first at Morehouse College, then Spelman College and the University of Arkansas.

Lydia remains a teacher. There are 130 people who take chair fitness classes.

“There is little data on 80 and 90 year olds,” so she measures her students by taking their heart rates at each phase, collecting this valuable data.

“I never thought I’d be an inspiration to people, but these people love it when they see what is possible.” She still works out hard, trying to play a few sets of tennis and stretching before going to teach her class.

In addition to teaching the chair exercise, Lydia lead groups of drum circles, which help people to use drumming as a stress reduction technique.

She has published her autobiography and is currently working on The Last Hurdle, the story of her friendship and competition with a fellow athlete who passed away this year at the age of 94. “Charles showed me that you truly are never too old to stay active.”

Volunteers needed

We are looking for volunteers for the 2017 Arizona Senior Olympic Games We need people to help with these tasks: • Checking in athletes at events • Coordination of awards presentations • Presentation of awards • Announcement of awards • On-site registration (limited events) • Event hospitality (limited events)

• Timing of races • Measurement of field events (ability to bend over required) • Results recording at event site • Data Entry (at ASO office) If you woud like to volunteer, please call the ASO office at 602-274-7742.

Puzzle Answers FROM PUZZLES ON PAGE 28

answers

Winning never gets old Will you be 50 or better this year? You can be a part of the 2017 Arizona Senior Olympic Games. It’s time to get ready!

Time to get fit! Time to accomplish your goals! Pick a sport and have some fun!

Alpine skiing, archery, basketball, basketball hot shot and free throw, badminton, billiards, bocce, bowling, cycling, fun walk, handball, powerlifting, racewalk, racquetball, road races – 5K & 10K, shooting, shuffleboard, swimming,

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swim relays, tai chi, table tennis, tennis, track and field, triathlon and volleyball.

To sign up, go to seniorgames.org.

NOVEMBER 2017 |

45

Navigating Medicare Part D Enrollment (Oct. 15 to Dec. 7)

M

edicare Part D is a prescription drug coverage plan that can be added to your hospital and medical coverage, better known as Medicare Part A and Part B. Every year from Oct. 15 to Dec. 7, Medicare allows eligible patients to enroll in, switch or continue with their current Medicare Part D plan. This time-period is known as the Medicare Open Enrollment period.

Prices of medications and copayments can change from year to year.

That is why during this enrollment period, you should reevaluate your plan options to find a Medicare Part D plan that covers all of your medications with the lowest cost to you. When selecting a Medicare Part D plan, you should consider all the associated costs and options including the following: Premiums: Monthly payments you must make for your prescription plan Deductibles: An expense you pay before your insurance provides you benefits Copays: Payment portion that you are responsible for when picking up your prescriptions Tiers: A copay structure for generic, preferred and non-preferred brand name drugs; medications in higher “tiers” have higher out-of-pocket costs Penalty: A late fee for not having prescription drug coverage after the enrollment period Preferred pharmacy: Pharmacies where you can fill your prescriptions at lower copays During this year’s open enrollment period, stop by your Walgreens pharmacy to obtain more information about selecting a Medicare Part D plan. Our pharmacy staff is happy to assist you by printing a list of your current medications. They can also provide you a list of Medicare Part D plans that allow you to conveniently fill your prescriptions at Walgreens. You are always welcome to ask your Walgreens pharmacist to review your medications and see if you can save money by switching to generic or lower-cost brand name medications.

For specific advice of which plan is best for you, contact our new Medicare prescription plan adviser. HealthPlan 46

One, an independent licensed health insurance agency, can provide you a free evaluation that includes a comparison of multiple Medicare Part D plans. HealthPlanOne advisers provide personalized advice based on your specific prescriptions to help lower your out-of-pocket costs and can also help you enroll in the Part D plan of your choosing, all at no cost. Call (877) 315-

| NOVEMBER 2017

4689, or visit www.Walgreens.com/ Medicare-Enroll for more information. You can also contact Medicare directly by visiting Medicare.gov or calling 1-800-MEDICARE. Walgreens has been helping customers save money and “be well” since 1901. Walgreens is a preferred pharmacy for several Medicare Part D plans, offering lower copays for pre-

scription medications compared to other select pharmacies. Walgreens also offers a variety of Medicarecovered pharmacy services such as immunizations. Stop by your nearest Walgreens pharmacy to see how we can help you save money and “be well” during the Medicare enrollment period and throughout the year!

ON MEDICARE PART B AND HAVE DIABETES?

New Medicare changes may limit where you can get your diabetes testing supplies. The good news is that diabetes testing supplies are available at every Walgreens along with: • Easy, direct billing of Medicare Part B and most supplemental insurance • A wide selection of major national brands • Convenient 90-day supplies

It’s easy to switch!

Visit your local Walgreens or call 888-380-8051.

Walgreens is an accredited Medicare Part B supplier of diabetes testing supplies.

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SENIOR SERVICES AND ASSISTANCE TUCSON SENIOR SOLUTIONS If you are considering the next step in senior care, allow me to help you navigate the many choices in Pima County. I provide a free local referral advisory service and can personally work with you to simplify the process of selecting independent living, assisted living, memory care, or independent home care.

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