LLAF50: Scottsdale11-15

Scottsdale November 2015

Elder Law & Finances 2015

Legal Matters!

Why those over 50 shouldn’t delay consulting a lawyer. ::by Jimmy Magahern

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contents

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Legal Matters! page 30 opinion

6 Sound Off 6 The Curmudgeon 7 The Up Side 12 Aging Today 13 Ask Gabby Gayle 14 Straus’ Place home improvement

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16 Calendar of Events 21 Dancing Fashions 21 Fun & Games Around the Valley 22 Puzzles 23 Trivia Contest 24 Tinseltown Talks 25 Bingo Happenings health

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executive editor Christina Fuoco-Karasinski associate editors Ken Abramczyk, Kenneth LaFave travel editor Ed Boitano art director Erica Odello senior account executive Lou Lagrave administration Courtney Oldham contributors Drew Alexander, Crystal Baus, Teresa Bear, Jan D’Atri, Michael Grady, Irv Green, Andrea Gross, Gayle Lagman-Creswick, Jimmy Magahern, Meghan McCoy, Bob Roth, Bill Straus, Nick Thomas

© 2015 by EOS Publishing, LLC. Lovin’ Life After 50 is a monthly publication dedicated to informing, serving and entertaining the active adults of Arizona. It is published by EOS Publishing, LLC, an Arizona limited liability company. Subscriptions are available for $24 per year or $40 for two years. Send check or money order to Lovin’ Life After 50.

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Cover and contents photos by Tim Sealy

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November 2015 : : Lovin’ Life After 50 : : page 5

opinion Sound Off

Amazing. ne American television station followed this historical, amazing week of religion in America. All the rest of the stations stayed on track just to make money.

Hey you lame brains in Congress: Get your heads out of women’s business and pay attention to what Putin just did. He just started World War III and you don’t even know it because you’re so busy bothering everybody else’s business telling them when or if to have a child. Why did anybody vote for you in the first place, you do-nothings. Wake up, there’s a war going on.

This is my own personal uote: The crack of dawn was the beginning of the beginning. The dawn of crack was the beginning of the end.

Crazy life. So all the new cars are super, super, super, but who goes to work on a racetrack or in a big Humvee? ippie dippy doo.

Why do all these lazy people who eat themselves to 500 pounds or more expect other people to take care of them when they finally need some help? Where are their brains? Where are the brains of the people who think it’s to help these people who have absolutely no self-control?

Get over it? They want to eat themselves to 1,000 pounds—let them.

and they’re losing the game. ou’re just going to be a footnote in history, America. It’s your own doggone fault. Shame on all of you.

Americans Stop approving everything going to Spanish language. This is America, people succeed when they follow English rules. Wake up dummies.

If you were just fortunate enough to hear Vice President Biden, you were watching the heart of America. There stands what every American should be.

This message is important to all women: As an old woman sexually assaulted as a child who did not keep the tickling a secret, I find these woman now complaining assault by Bill Cosby as teenagers disgusting. They did know as teenagers when you went into a private room with an older man, a celebrity chaser, exactly what they were exploring for celebrity status themselves.

Amazing news: Second-generation Latinos are improving America because they learned to speak English. Wake up you lazy

When the people of the press ask the usual who, what, when, where uestions, they do not need to know all the whys of a military operation. It is necessary to keep some movement secret, so not to inform the other side what’s to come next. Where are their brains?

So the latest news in history the country’s going to the dogs. So no one can control the manufacture of the guns, cars and drugs. But the laws of the people do control the drivers, the owners and certain mental attitudes. What’s the problem with Congress? It’s the people who forget to investigate the people they vote for to represent them. Nobody’s paying the attention to the history they’re in the middle of

The Curmudgeon

The big 10—revised

T

:: by Drew Alexander

he Ten Commandments are an epic set of injunctions conveyed by a lean number of words—about 122 of them. Because of the church and state thing, some folks object to having these rules displayed on government property. Recently, a granite monument of the Ten Commandments was removed from the state capitol grounds in klahoma City because it violated the state constitution.

More than anything, many of us are uncomfortable being visibly reminded that we often don’t measure up to those 10 pesky rules as brought down from Mount Sinai by Moses.

The problem with communicating God’s message in public places comes down to three words: “thou”

and “shalt not.” When we see or hear these words, we think religion.

And if it’s religious, it just can’t officially mix with government. Besides, it gets the people at the ACLU really uptight.

To those well-meaning souls who want a larger circulation of the Ten Commandments but find that the religion connection stands in the way, I have a simple solution: modernize the language. This is especially critical if you want anyone under the age of 30 to receive the message. To get to them, you have to think like them, speak like them, and offer benefits.

The Ten Commitments to Make You Be Cool ou exist because of the Big Boss,

page 6 : : Lovin’ Life After 50 : : November 2015

...continues on page 9

We Want to HEAR from You! Your message will be printed in the next issue!

At Lovin’ Life we believe your opinions should be heard. Give us yours! Space providing, your Sound Off will be printed in the next issue. Please limit your messages to one minute or 100 words and include your name only if you would like it printed.

e-mail us: soundoff@lovinlifeafter50.com

Leave a message: (480) 348-0343 option 8

the Boss of all Bosses. He’s da man.

He’s everywhere 24 7. So don’t mess up or he’ll come down hard on you. ou can’t have any other boss in your life but the Big Boss. Don’t even think about it.

Watch your language. Don’t swear.

Especially don’t use any ugly words involving the name of the Boss. It’s so uncool.

Work well and hard six days out of the week. But on the seventh day, kick back and think about what life means and your part in it. ou may not come up with the answers, but just contemplating such things will make you feel good inside.

Be respectful to your mother and father or else you will lose all your perks food, a place to live, clothes, a car, your education and staying on their health insurance policy until you’re 27.

Electric chairs, ropes with nooses, firing s uads and poisonous needles are a lousy means of leaving the planet Earth. If you don’t want to be

Write us: Lovin’ Life After 50 3200 N. Hayden Rd., Suite 210 Scottsdale, AZ 85251

executed or spend the rest of your life in prison, don’t kill anybody.

When you get married, stay in your own bed. Don’t sleep around.

Never steal anything because you will go to jail for a long time. Jail really, really sucks.

Saying lies about what somebody may or may not have done is wrong.

Would you like it if somebody did that to you?

If your neighbor has nicer stuff than you do, don’t be jealous. It’s really wimpy being envious of a piece of real estate or anything else.

So there ye have it. The new, improved 10 big laws handed down from my 12th story penthouse.

Drew Alexander, also known as “The Curmudgeon,” is a monthly columnist writing about political issues. Send comments to drewalexander@cox.net or to Drew Alexander, in care of Lovin’ Life After 50, 3200 N. Hayden Road, Suite 210, Scottsdale, AZ 85251.

www.lovinlifeafter50.com

The Up Side The delicate dance of midlife friendships :: by Michael Grady

M

y wife and I have friends anReal, flesh-and-blood friendships other couple whom we go out don’t develop like they used to. When with, semi-fre uently. They are funny, you are feckless and young and live intelligent people. And they’re the only most of your life by accident, peoway I get to see certain films. My wife ple just show up. Maybe it’s because prefers movies with corsets and weepy you’re out more. Maybe it’s because disclosures and feelings. But occasion- you’re young and have no standards. ally, through my friends, I can lobby But establishing friendships is really a majority vote for a flick with anger, just a matter of attendance. I went lasers or beheadings, which is nice. to Michigan State. If you showed up, They’re also a valuable second opinion hated the University of Michigan and for those ideas that make your spouse’s didn’t steal from my dorm room, coneyes roll and the daily dilemmas you gratulations. can no longer see clearly. There’s It gets trickier as you get older essomething reassuring about airing a pecially for men. Women are better concern to someone who knows you at friendships than men. They bond well, and having them say, “Well, that’s easier, and uicker. They are veritable just stupid.” glue traps of friendship. Women can ou can go uite far in life before you bond in the time it takes to use a vendrealize what a miracle friendships are. ing machine: Sometimes, you just have to air your Susan: h my God U have chilsoul out to someone who isn’t legally dren? I have children, too bound to listen. That’s where friends Angela: Are yours a constant disapcome in handy, because clergymen pointment? judge you and bartenders re uire a Susan: es Want to cry together? two-drink minimum.

Angela: es But life can be hard on friendships.

In our teens and 20s, we gather them Men are like: like burrs. (“Who is that asleep in the Don: Diamondbacks need pitching. back of the car?” My mom would ask. Steve: Sure do. “ h, a friend.” I’d say.) But friend acuisition seems to plateau in your 30s, Two years pass as family and career obligations take precedence. And their ranks dwindle Don: Diamondbacks need pitching, in midlife, when career moves, thorny Steve. child-rearing episodes or health issues Steve: Sure do. can force you to put those relationships on cruise control for long periods of Two more years pass. time.

If this problem seems foreign to you, Don: Is Steve here? I got tickets to the well done I admire the longevity of Diamondbacks. your relationships, and hereby release Steve’s wife: I’m sorry, Steve died. you from this column. But too many of So what do you do? If you’re midus are lazy about our friendships. And dle-aged, and looking to make new we measure them in the least imagina- friends, you will have to move out of tive way: social media. “I have 1,100 your comfort zone a bit. Because this friends,” they’ll say. First, uantity is never happens: not a relevant measure of friendship. Larry: Hi, I’m Larry. I like fishing and : : bya Brian (It’s like saying, “Look, pound of Koenig baseball. love ”) Friendship is a uality thing.

Doug: What are you doing under my a bill to double the far-reaching report published who co-sponsored And by Facebook is not a good baromecouch cushions? the Washington Post last month lifespan of federal grazing permits that ter, you have 1,100 Facebook Looking forheruarters.

Here, ranchers, such as husband, leanI has either. put Ifforth a rather damning Larry: friends that one meansthat 1,100 people will three. to feed and nurture their cattle. revelation, implicates 73 onfound show you of cat Congress videos andfortolerate you. Doug: Do you like urthermore, e . beer, i eLarry? elly a. members sponsoring In a digital format.

For now.

Larry: es, I do supported natural gas legislation right at or co-sponsoring legislation to prop up on obil formulated businesses or industries in which either the time that www.lovinlifeafter50.com a deal that doled out millions of dollars

Brian’s View

73 in Congress Supported Legislation, Benefitted Financially

A

Doug: Good, crawl out of there.

Game’s about to start.

After skimming numerous self-help articles, and comparing them with my own strange and somewhat awkward search for midlife friends, I found a number of common lessons that might help your quest.

Go outside: Because that’s where the God keeps the friends. Many friendless people attack the problem by walking around their home, whining, “I have no friends.” That doesn’t get you friends. That gets you divorced.

Be proactive: Introduce yourself.

Shake hands. Ask uestions. Putting yourself out there is only half the e uation. No one says, “See that person standing rigidly still over there?

I’d like to get to know him ” Cultivate your personal interests: What are your hobbies? What do you like to do? If you find events and organizations that allow you to explore those, you’ll probably make friends, as well. This is how fantasy leagues began a way of bringing all the statistic-obsessed football fans together for friendly fellowship. (And so they would never, ever breed.) I’m convinced that Civil War re-enactment was built on the strength of countless middle-aged wives, saying, “for God’s sake, get out of the house and do something ” Whatever your interest, if you’re actively engaged in something you like, you stand a much better chance of encountering a kindred spirit.

Don’t be desperate: Remember that kid from second grade, “Will you be my friend?” “Will you be my friend?”

Remember how he used to frighten people into the janitor’s closet? Some

things don’t change. Desperation still scares people. It’s good to be honest and open and all that, but if your honesty is clearing the sports bar, you might want to dial back the intensity a bit. Be cool. Be patient, and...

Listen: Sometimes, in our effort to make a good impression, we don’t allow ourselves to clearly observe the person we’re meeting. That’s how you wind up befriending a cult member or an insurance salesman. Take your time, listen and evaluate, but also... e e i le There’s no one uite like you. And I don’t mean that in a feelgood kind of way. By midlife, you are a cranky snowflake of personal history, political opinions and experiential scars. No one will perfectly align with you. Find someone whose company you enjoy, and then be understanding about any uirks or stylistic differences you may have. Who knows? ou might actually learn something.

And finally...

Follow up: Men are notorious for making friends, then letting the relationship languish for a decade or so, then checking back to find their friend has moved or gotten married, arrested or cremated or something.

Follow up on those relationships. If you’re a middle-aged man who feels particularly friendless, chances are there’s someone you simply forgot.

Consult your address book. The great thing about male friendships is that the other guy probably forgot, too. So reconnecting is actually uite easy. Especially if one of you has ESPN. Michael Grady is a local playwright, reporter and the author of “Death Calls a Meeting.”

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Managing lung disease during the holidays ::by Phoebe Brown

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he holiday season brings people together for many celebrations.

However, for people with lung disease, the holidays can seem daunting. Between traveling, cooking and eating, someone could easily become fatigued, which could make breathing difficult. ne way to avoid excessive exhaustion is to practice moderation when eating. While indulging in holiday festivities, practicing moderation

can help people with lung disease enjoy the holidays and improve their overall uality of life.

Triggers such as air pollution, overexertion and overeating can cause flare-ups. While some triggers are uncontrollable, others are manageable. Staying inside when air uality is poor can help with lung function. vereating or eating foods that cause gas or bloating can make breathing

uncomfortable, so even during the holiday season, it is important to keep moderation in mind.

It might seem like common sense but taking time to enjoy good food and company at the table could help someone feel satisfied instead of overfull. Drinking plenty of noncaffeinated fluids can

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help control hunger and keep people hydrated. Eating smaller portions of foods, including desserts, could help reduce pressure, especially in someone who is short of breath. Extra pounds could cause extra heaviness and difficulty breathing.

For those suffering from debilitating lung diseases, options exist now to improve uality of life, such as diet and moderation. A clinic in the United States, the Lung Institute, states it has helped lung disease sufferers by offering an additional treatment option in the form of stem cell therapy.

Stem cell therapy is a minimally invasive, outpatient treatment that harnesses the natural healing ability of the stem cells that already exist in the body. Stem cells are harvested from the patient’s own fat, blood or bone marrow, separated and reintroduced into the body. Stem cells naturally fight infection and disease by repairing damaged tissue with new, healthy tissue. This is a slow process, but stem cell therapy has the potential to expedite the natural healing process for those with certain progressive diseases, such as lung diseases.

People with lung disease have various options to help them take their health into their own hands, such as using an alternative treatment like stem cell therapy along with diet and moderation. By controlling factors that exacerbate their symptoms, and by taking action to improve their lung function, people with lung disease can enjoy the holidays and improve their uality of life.

If you or a loved one suffer from a chronic lung disease, the specialists at the Lung Institute may be able to help. ou can contact the Lung Institute at (855) 842-7878 or visit lunginstitute.com lovin to find out if you ualify for these new treatments.

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Sound Off

... from page 6 Amazing. One American televiWhy do all these lazy people sion station followed this historiwho eat themselves to 500 cal, amazing week of religion in pounds or more expect other America. All the rest of the stations people to take care of them when they stayed on track just to make money. finally need some help? Where are their brains? Where are the brains of the peoHey you lame brains in Con- ple who think it’s OK to help these peogress: Get your heads out of ple who have absolutely no self-control? women’s business and pay atten- Get over it? They want to eat themselves tion to what Putin just did. He just started to 1,000 pounds—let them.

World War III and you don’t even know it because you’re so busy bothering evThis message is important to all erybody else’s business telling them when women: As an old woman sexuor if to have a child. Why did anybody ally assaulted as a child who did vote for you in the first place, you do- not keep the tickling a secret, I find these nothings. Wake up, there’s a war going woman now complaining assault [by Bill on.

Cosby] as teenagers disgusting. They did know as teenagers when you went into a This is my own personal quote: private room with an older man, a celebThe crack of dawn was the be- rity chaser, exactly what they were exginning of the beginning. The ploring for—celebrity status themselves. dawn of crack was the beginning of the end.

So the latest news in history the country’s going to the dogs. So no one can control the manufacCrazy life. So all the new cars are super, super, super, but who ture of the guns, cars and drugs. But the goes to work on a racetrack or in laws of the people do control the drivers, the owners and certain mental attitudes. a big Humvee? Yippie dippy doo.

What’s the problem with Congress? It’s

the people who forget to investigate the people they vote for to represent them.

Nobody’s paying the attention to the history they’re in the middle of—and they’re losing the game. You’re just going to be a footnote in history, America. It’s your own doggone fault. Shame on all of you.

If you were just fortunate enough to hear Vice President Biden, you were watching the heart of America. There stands what every American should be.

Amazing news: Second-generation Latinos are improving America because they learned to speak English. Wake up you lazy Americans! Stop approving everything going to Spanish language. This is America, people succeed when they follow English rules. Wake up dummies.

When the people of the press ask the usual who, what, when, where questions, they do not need to know all the whys of a military operation. It is necessary to keep some movement secret, so not to inform the other side what’s to come next. Where

are their brains?

Arizona school administrators must think we’re all Arizonaeducated. Many claim that their district holds an A-1 rating. But in a bottom 48-state national-ranking [that isn’t very good].

Saudi Arabia will not take one single solitary refugee, but they are planning to build mosques in Germany for the refugees. This is an obvious plan of Islam to flood Europe, destroy the economy and turn Europe in to Islamic nations. Why can’t people understand this? It is so obvious. Wake up America.

Why hasn’t some math genius figured out why the highway road trash always hits the back window of the car? Figure that out.

There is a clue somewhere.

The woman who helped the two murderers escape from the upstate New York prison has been sentenced to two to seven years, and will ...continues on page 42

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PROVIDED IN THIS COURSE UNBIASED APPROACH Instead of focusing on a specific strategy or topic, this course takes a more comprehensive view of your retirement. This broad-based approach lays a foundation for proactive planning in an updated, 21st century context. Because of the educational nature of the workshop, no specific financial products are presented or discussed.

AN INTERACTIVE CLASSROOM SETTING This course is taught by a nationwide network of instructors. These instructors are financial professionals from your community who bring to their workshops years of experience and knowledge from their careers in personal finance. They often supplement their presentation with real life stories and experiences to help personalize the principles and strategies taught in their workshops. This personal and interactive approach to the material helps make the educational process both practical and informative.

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THE CHANGING WORLD OF RETIREMENT PLANNING™ WORKBOOKS As part of this course, you will receive a two volume set of workbooks You’ll receive a two-volume set that provides examples of workbooks. and illustrations designed to reinforce the concepts taught in the workshop. These workbooks help you follow along during the presentation and give you a step-by-step process to help implement the knowledge you obtain during the course.

OPTIONAL ONE-ON-ONE STRATEGY SESSION If you have questions on how the principles you learned in this workshop apply specifically to your financial situation, you may arrange for a private strategy session with your instructor after the conclusion of the course. The strategy session is complimentary for all attendees but is not required.

WORKSHOP OVERVIEW RETIRING IN THE 21ST CENTURY • The old retirement paradigm vs. the new paradigm • How to create a clear vision for retirement • Creating a retirement road map • Keys to transitioning to retirement TAX RATE RISK • Why experts say tax rates could double • How rising taxes may affect your retirement cash flow • The “Catch 22” of 401k’s and IRA’s • How lost deductions may affect your taxes in retiremen RETIREMENT DISTRIBUTION PLANNING • The three basic retirement accounts • How to accumulate dollars in the right types of accounts for retirement • What’s better for you: taxdeferred or tax-advantaged accounts?

• How to define a “true” taxadvantaged investment • When should you convert to a Roth?

• How IRA’s and 401k’s cause Social Security taxation • Strategies to reduce or eliminate taxes in retirement ESTATE PLANNING • Planning for incapacity • Reducing estate taxes • A will vs. a trust • Types of trusts • How to avoid probate • Asset gifting • Transferring property at death

MAXIMIZING SOCIAL SECURITY • The causes of Social Security taxation • The Social Security thresholds you need to be aware of • The real cost of Social Security taxation • Strategies to eliminate Social Security taxation • Social Security maximization strategies RETIREMENT DISTRIBUTION PITFALLS • How the new rules on “Rate of Withdrawal” affect you • How to ensure you won’t run out of money in retirement • How to liquidate your retirement assets in the right order • How to protect against “sequence of returns” risk PROTECTING AGAINST MARKET LOSS • The impact of dramatic market loss in retirement • Is “buy and hold” appropriate in retirement?

• How to protect against the two types of investment risk • How to protect your assets from stock market volatility • Why “asset allocation” alone may not be enough • How to truly diversify your retirement portfolio LONG-TERM CARE PLANNING • How a long-term care event may affect your retirement • Medicaid spend-down rules • Community spouse rules • The 4 common alternatives to pay for long-term care • Recent innovations in long-term care planning

For additional workshop dates, locations, more information, or to register online please visit: www.myretirementclass.com

November 2015 : : Lovin’ Life After 50 : : page 11

Aging Today

‘Share the Care’ It’s National Family Caregiving Month

I

:: by Bob Roth

t is not a provocative issue such as gay marriage or illegal immigration, yet the importance of what we do—or don’t do—regarding health and care needs of our seniors may have more economic, physical and moral relevance for families than any other problem before us.

Let’s face it, we simply don’t plan for old age—either individually or as a society. Society is more focused on youth; envy and sex that lurk behind our every advertised need.

Media coverage of senior care means, more often than not, a story about something bad happening in a nursing home. Scary stuff, but not indicative of the thankless care thousands provide our families across our state every day.

Or we see cute video clips of seniors when they reach 100 years old with little mention of the daily lives preceding that century mark.

The countless heroes are the caregiv-

ers that provide the care for our aging adult population. Enough is not done to recognize these heroes. In case you were not aware, the month of November is celebrated as National Caregivers Month. With over 50 million Americans caring for family members who are chronically ill, disabled or aging we need to give them the recognition and support that they so desperately deserve.

Family caregivers exemplify the true spirit of compassion by providing support to their loved ones and assisting them with their everyday activities and special needs. These selfless people must often make great personal sacrifices to maintain the care and support their family and friends require.

As we observe National Family Caregivers Month, we honor family caregivers who take time out of their lives to improve the lives of family and friends.

Their efforts demonstrate the best of the American spirit.

We cannot ignore the facts. An increasing number of us will be forced to live with disabilities and senior care is expensive. By 2030, the number of Arizonans age 65 or older will have more than doubled. Most assisted-living and nursing options cost more than $60,000 a year—unaffordable to most. Longterm care insurance is one answer, but just 10 percent nationally have purchased it.

So what do we do?

Family caregiving is the immediate, most cost effective solution. We cannot lose sight of the fact that it is also a part of our heritage. In my family, my grandmother cared for her mother and when her mother passed, shortly thereafter she cared for her husband and then years later she cared for her brother.

That’s the way it was done.

How can we help?

It is important to make sure family caregivers are taken care of themselves.

To be a caregiver you have to be healthy.

To be healthy, you have to get rest also known as respite. If you know someone that is a caregiver, offer to “share the care” and give them respite. Offer

to assist the caregiver in doing some of their daily tasks such as; housekeeping, shopping, preparing a meal, or even help with driving to appointments. In a recent study conducted by the National Alliance for Caregiving and AARP they discovered: • 75 percent believed that they had no choice in taking on the caregiving responsibilities • 50 percent wanted someone to talk to who could identify tasks that other family members or friends could do • 50 percent of the respondents said they didn’t have enough time to take care of themselves This study also reported that those caregivers that reported to be in fair to poor health, an alarming 91 percent of the caregivers surveyed are suffering from depression.

According to the Family Caregiver Alliance, elderly spousal caregivers (aged 66 to 96) who experience caregivingrelated stress have a 63 percent higher mortality rate than noncaregivers of the same age.

It is time to remind caregivers to share the responsibilities, as well as a time for others to think about helping the care...continues on page 43

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page 12 : : Lovin’ Life After 50 : : November 2015

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Ask Gabby Gayle

GROWTH

ACTION

STRENGTH

Advice for the over-50 crowd

:: by Gayle M. Lagman-Creswick

D

ear Gabby Gayle: My mother is 88 years old and living in her own home. I have suggested she might do well in assisted living.

She said to me, “Why would I go to a place like that when my son has a big house and lots of room?” She caught me off guard. I stuttered and said that I would have to speak to the family about that. That’s how we left it. I spoke to my wife about her coming to live with us, and she is dead set against it. It’s not because she doesn’t like mom, but it’s because my wife is very active and is gone a good part of every day. She said it would be just as if mom was living alone, and mom would do better in assisted living.

What do you think? Signed, Son

D

ear Son: I tend to agree with your wife. It is not because you don’t want her, but it is what will be best for her. I have seen it work with mom living with her children, but most often it causes tension within the family. In assisted living mom would have her meals prepared, friends, an activity program, 24-hour supervision, etc. She would also be able to visit you frequently, and you could join her for meals on occasion.

I’d be willing to bet that after a few months, she will wonder why she didn’t do it sooner.

Take her to visit a few places, and if she has friends in one, take her there to see them. Let me know how it works out. Good luck, GG

D

ear Gabby Gayle: Thanksgiving is coming up soon and our family problem comes right along with it. My mother-in-law, age 80, still insists on having the family dinner. She has a big family and a little house, and she has refused all offers of moving the dinner to one of her four children’s homes. Even though we all bring food, it is so hectic and obviously hard on her. How do we change her mind? Signed, In-Law

D

ear In-Law: This is a touchy subject for many families. I say

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to offer again to take this responsibility off her hands. Let her know that others would like a turn. If she still refuses, I suggest you make the best of it, and go to her house again for Thanksgiving. She may not be able to do this physically/mentally for much longer and it sounds like it brings her much joy and happiness, so I think it is well worth the effort. I have been hinting like crazy for one of my kids to take over Thanksgiving dinner, but so far no takers! Tell her Gabby Gayle would love to give up that task! GG

D

ear Gabby Gayle: Recently you had a letter from a man who asked if you thought it was OK to date a woman for the purpose of sexual activity. His sister thought he was a “dirty old man” and you agreed with her. I am a man who disagrees with you. I am not interested in marriage again, and I do not need a companion muddying up my life.

I still have fire in my furnace, and I have found that there are plenty of women who feel the same way. I guess you would be surprised, huh?

Signed, MM

D

ear MM: Wow...yours is not the only letter of objection I received, but yours is the most honest, I think. I suppose if two consenting adults want to spend their evening that way, who am I to object?

I hope you do realize that while you probably do not have to worry about pregnancy, you do need to be careful of those dreaded diseases, which are on the rise among older folks! I also hope you are up front with these women about what you want. I still think that sex without a relationship would be like eating dry toast.

Signed, GG

If you have a question for Gabby Gayle, please send it to: Ask Gabby Gayle c/o Lovin’ Life After 50, 3200 N. Hayden Rd., Suite 210, Scottsdale, AZ 85251 or lagmancreswick@cox.net.

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My Heroes

:: by Bill Straus

T

he other day, a friend of mine lamented the dearth of heroes in today’s world. I agreed—initially— but then started thinking about it and changed my mind. I see some real heroes out there. We all look at what makes someone a hero differently, but here are a few through my eyes: Rana Sodhi and Julie Erfle These two inspiring people turned tragedy into their own personal missions to cultivate love and understanding.

Rana, perhaps the most well-known Sikh in America, knows hate. His brother, Balbir, was the first victim to die as a result of a hate crime emerging out of the horrific events of 9/11. He was murdered outside of his Mesa gas station simply because the murderer thought he “looked like one of the terrorist hijackers.”

Less than a year later, Rana’s brother, Sukhpal, was shot and killed while driving his taxi in San Francisco. So how did Rana respond to these dual tragedies?

He redirected his life to help educate the general populace about Sikhism, what the religion preaches and how its followers adhere to its teachings. Rana has been recognized for his efforts internationally and was one of the few invitees to the formal signing of the Hate Crimes Prevention Act of 2009 at the White House.

Julie Erfle’s husband, Nick, was a Phoenix police officer who was shot and killed in 2008 by an undocumented immigrant from Mexico. The killing was immediately used by nativists as a prime example of the degree of the problems being wrought by the “illegals.” Then Julie did something unbelievable. She became an advocate for the immigrants, and one of the loudest voices in our state for comprehensive immigration reform.

Rick Romley I came to really know the former county attorney through my work at ADL. Rick lost both his legs in the Vietnam War, yet moved forward in his life to raise two wonderful sons (as a single father), graduate college and then law school.

During the craziness of the anti-immigration frenzy here, he was regularly opposed to the sheriff ’s “crime recession sweeps” and other dastardly tactics targeting immigrants. And then, during the furor over SB 1070, and right smack dab in the middle of an election cycle, Rick did the unthinkable. He voiced his opposition to the bill (which later became law and even later, was almost totally struck down by the U.S. Supreme Court)—as a Republican! Oh yeah, it cost him the election, but it was a marvelous example of someone putting honor and principle over politics, something all too lacking in today’s world.

The firefighters These folks are pretty obvious to all of us. They risk their safety and lives every single day. And any list of heroes would simply be incomplete without their inclusion, and I’m very proud to say that my son, Charlie, is one of them.

These are tough times. We’re a divided world, country and state. But there are always people out there who can inspire us. And some even qualify as heroes.

Bill Straus is a retired native Phoenician. He spent 21 years in the radio business and the last 13 years of his career as the Arizona director of the Anti-Defamation League. He can be reached at strausplace@cox.net.

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Pick up your copy of Lovin’ Life at any Valley

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page 14 : : Lovin’ Life After 50 : : November 2015

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November 1 Sunday Line Dance, 12:30 p.m. to 2:45 p.m., Greenfield Village RV Resort, 111 S. Greenfield Rd., $5, (480) 832-3844.

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Memory Screening, 9 a.m. to 2 p.m., repeats Nov. 4 and Nov. 5, Visiting Angels East Valley Office, 701 W. Southern Ave., Suite 105, free, (480) 833-8247 or recep@visitingangelsaz.com. This screening is part of the Alzheimer’s Foundation of America Natural Memory Screening Week. Screenings by appointment only.

Let’s Knit, 1 p.m. to 3 p.m., repeats Nov. 17, Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale, call for charge, (480) 483-7121, ext. 1213, harrietc@vosjcc. org. Join the group at The J Café to share the pleasure of knitting and to help others with projects and patterns.

November 4 Wednesday Let’s Talk Current Events Discussion Group, 2 p.m. to 3:30 p.m., Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale, call for charge, (480) 483-7121, ext. 1213, harrietc@vosjcc.org. Bill Adler leads stimulating discussion each month on current events.

PLEASE SEND ME INFORMATION ON WESTWARD HO:

It’s Not Lunch—Avoiding Senior Scams, 12 p.m., Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale, $5 suggested donation, (602) 492-7670, chani@ sosaz.org. Join Dena Benjamin from the attorney general’s office and learn how to avoid common senior scams and what to do if you have been a victim of fraud.

Name__________________________________

November 5 Thursday

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Our Lady of Lourdes Women’s Guild’s General Meeting, 9:30 a.m., St. Michael’s Hall, Prince of Peace Church, 14818 W. Deer Valley Dr., Sun City West, free, (623) 584-2327. The meeting will feature Ed Allen of the Del Webb Sun Cities Museum. He will share with the Guild the story of Meeker’s vision for Sun City West.

November 3 Tuesday

6-

32-

November 2 Monday

Address________________________________ City/State/Zip__________________________ Phone__________________________________ Westward Ho • 618 N. Central Avenue Phoenix, AZ 85004 2012 : : 2015 Lovin’ Life After 50 : : page 17 page 16 : : Lovin’ Life AfterNovember 50 : : November

Merrymakers Ballroom Dances, 6 p.m. to 10 p.m.

Thursdays (except Nov. 26), Las Palmas Grand, 2550 S. Ellsworth Rd., Mesa, $7 members, $8 nonmembers, $5 seasonal membership, www.dancemm.com. Visit with old friends and make new ones. Entertainment this month includes: Erv Reutzel (Nov. 5), Bob Roppolo (Nov. 12) and Route 66 Trio (Nov. 19).No dance on Nov. 26 because of Thankgiving.

Line Dance, 12:30 p.m. to 2:45 p.m., Greenfield Village RV Resort, 111 S. Greenfield Rd. Mesa, $5, (480) 832-3844.

Free Health Care Plan Days, 9:30 a.m. to 11:30 a.m., Apache Junction Active Adult Center, 1035 N. Idaho Rd., Apache Junction, free, (480) 474-5260. Several Medicare plan representatives will be at the center, providing costs, benefits and information.

Music of WWII: Swing and More! 2 p.m., Ed Robson Library, 9330 E. Riggs Rd., Sun Lakes, free, (602) 652-3000, www.mcldaz.org. In honor of Veterans Day, the library presents songs of the war years. Erik Larson, music historian, will revisit some of the more prominent recordings, and offer interesting and little-known facts about the music and musicians. Upon arrival for the program, come by the library front desk to pick up a free ticket. Seating is limited.

Let’s Be Strong and Single—Safety for the Single Woman, 11 a.m. to 1:30 p.m., Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale, call for charge, (480) 483-7121, ext. 1213, harrietc@vosjcc.org. This 90-minute informative workshop helps middle-age, newly single women to find confidence and begin the next chapter of their lives.

November 6 Friday Holidaze Craft Faire, 8:30 a.m. to 2 p.m., repeats Nov. 7, Willowbrook Church, 19390 N. 99th Ave., Sun City, free admission, www.willowbrookumc.org. Awardwinning local vendors will line Fellowship Hall and on the covered patio. There will be demonstrations and raffles, Ye Olde Sweet Shoppe and a hot lunch available from 11 a.m. to 1 p.m.

Friends Festival Fall Book Sale, 9 a.m. to 5 p.m., repeats 9 a.m. to 2 p.m. Saturday, Nov. 7, Sunrise Mountain Library, 21109 N. 98th Ave., Peoria, (623) 7738650. Features $1 paperbacks, $1 DVDs, $1 CDs, huge selection of children’s books, holiday books and gifts, cookbooks, history, biography and more.

November 7 Saturday Arts and Craft Show, 9 a.m. to 2 p.m., Dreamland Villa, Farnsworth Hall, 6159 E. University Dr., Mesa, free, (480) 832-3461.

A Salute to Cowboy Artists of America and a Patron: 50 Years of Amazing Contributions to the American West, various times, through Saturday, May 31, Western Spirit: Scottsdale’s Museum of the West, 3830 N. Marshall Way, Scottsdale, $13, (480) 686-9539, www.scottsdalemuseumwest.org. In addition to showcasing one painting or bronze by 77 artists, the exhibition will pay tribute to the late Eddie Basha.

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The West Valley Genealogical Society and Library Rummage Sale, 8 a.m. to 4 p.m., library, 12222 N. 111th Ave., Youngtown, www.azwvgs.org. This event will feature 700-plus members donating thousands of items such as printers and other electronics, gently used furniture, books, games, clothing, kitchen and other household items. Proceeds will benefit the society, a 501(c)(3) organization.

Sunland Village Communitywide Garage Sale, 8 a.m. to 3 p.m., Sunland Village, 4601 E. Dolphin Ave., free admission, (480) 832-9003. More than 100 homes are participating.

November 8 Sunday Desert Brass Tribute to Veterans, 3 p.m., Willowbrook United Methodist Church, 19390 N. 99th Ave., Sun City, $5, (623) 974-5637. The Desert Brass, under the direction of Charles Musgrave, brings together the impressive sounds of a group of talented Valley musicians. This high-energy band specializes in brass band standards and patriotic numbers. Expect a Veterans Day tribute including many patriotic favorites such as “Bravest of the Brave,” “Salute to the Services” and “Stars and Stripes.”

November 9 Monday

Sunland Village Karaoke Night, 6 p.m. to 9 p.m., Sunland Village Auditorium, 4601 E. Dolphin Ave., Mesa, $2, (480) 832-9003.

West Valley Genealogical Society Meeting, 1:30 p.m., First Presbyterian Church, 12225 N. 103rd Ave., Sun City, free, (623) 933-4945, www.azwvgs.org. In honor of Veterans Day, the West Valley Genealogical Society is hosting Revolutionary War historians Dave and Connie Troxell.

Artists of the Superstitions Self-Guided Studio Tour, 9 a.m. to 4 p.m., repeats Nov. 8, throughout Gold Canyon and Apache Junction, free, www.artistsofthesuperstitions.com, artists.superstitions@gmail.com. The free tour allows patrons to visit many of the artists’ studios, which are close to each other scattered in front of the Superstition Mountains.

Let’s Get Healthy—Senior Health Care and Relocation Options, 10 a.m. to 12 p.m., Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale, free, registration required, (480) 783-7121, ext. 1213, harrietc@vosjcc.org.

Learn who to call and where to start in the areas of senior health care and relocation.

Scandinavian Jul Bazaar, 10 a.m. to 2 p.m., Shepherd of the Valley Lutheran Church, 1500 W. Maryland Ave., Phoenix, free, (623) 535-5175. Shop for Scandinavian items and taste the country’s food.

American Cancer Society: Look Good Feel Better, 4 p.m. to 6 p.m., Ironwood Cancer and Research centers, 1432 S. Dobson, Suite 106, Mesa, free, (480) 855-2224, www.ironwoodcrc.com. For cancer patients.

The Mesa Arts and Crafts Festival (MACFest), 10 a.m. to 4 p.m., the first and third Saturdays from October to April, North MacDonald Street between Main Street and Pepper Place, Mesa, free admission, info@macfestmesa. com or www.macfestmesa.com.

November 10 Tuesday

Orpheus Male Chorus of Phoenix’s “Boys to Men,” 4:30 p.m., Camelback Bible Church, 3900 E. Stanford Dr., Paradise Valley, $5, www.orpheus.org. The festival promotes communitywide access to choral training and development for young male singers.

The Sun City West Republican Club Meeting, 8 a.m., Sun City West Foundations Building (Quail Room), 14465 R.H. Johnson Blvd., Sun City West, $2, gop. scwclubs.com. This month’s meeting will see the election of officers for the 2016 year and two guest speakers—State Treasurer Jeff Dewitt and Russell Pearce.

www.lovinlifeafter50.com

Tea and Talk with Chani, 11 a.m. Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale, call for charge, (602) 492-7670, chani@sosaz.org. Enjoy homemade pastries, hot drinks and warm conversation with Chani.

November 11 Wednesday Veterans Day Program, 8 a.m., Greenfield Village RV Resort, 111 S. Greenfield Rd., $12, (480) 832-3844. Flag raising begins at 8, followed by breakfast and a concert featuring The Uptown Angels.

Musical Veterans Day Ice Cream Social, 1:30 p.m. to 3 p.m., Organ Stop Pizza, 1149 E. Southern Ave., Mesa, charge for food, reservations required, (480) 8135700, ext. 945, www.organstoppizza.com. Enjoy a free concert to celebrate and honor veterans, with an emphasis ...continues on page 18

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November 2015 : : Lovin’ Life After 50 : : page 17

Take Control of Your

Joint Pain Join Us for a Free Seminar Take the first step towards understanding your joint pain as local orthopaedic surgeons Dr. Shane Martin, MD and Dr. Stefan Tarlow, MD answer your questions and discuss: Arthritis of the Hip and Knee Surgical and Non-Surgical Joint Pain Treatment Options Mako ® Robotic Arm Assisted Technology

Thursday | November 12, 2015 | 6:30 PM The Fairmont Princess - Palomino Ballroom 1-3 7575 E. Princess Drive | Scottsdale, AZ 85255 Light refreshments and complimentary parking are provided.

Space is Limited! So, Register Today!

To register call 1-888-STRYKER (1-888-787-9537) or visit patients.stryker.com

Individual results vary. Not all patients will have the same post-operative recovery and activity level. See your orthopaedic surgeon to discuss your potential benefits and risks.

GSNPS-PE-31

Join Us November 2-6 for Our Grand Opening Celebration!

Visit Western State Bank in Sun City to receive a FREE $1 coin, enjoy treats & register for prizes!

• Monday, Nov 2 - Stop in to enjoy coffee & receive a McDonald’s gift certificate.

• Tuesday, Nov 3 - Enjoy tacos in a bag from 11 am - 2 pm.

• Wednesday, Nov 4 - Stop in for fruity treats all day.

• Thursday, Nov 5 - Stay cool with ice cream treats all day.

• Friday, Nov 6 - Enjoy Benny’s burgers from 11 am - 2 pm.

We look forward to being Your Hometown Bank!

Ask About Our Deposit Specials!

calendar

... from page 17

on patriotic music and a demonstration/explanation of OSP’s Mighty Wurlitzer Theatre Pipe Organ.

November 12 Thursday Fellowship Square Mesa Boutique Sale, 9:30 a.m. to 12:30 p.m., Fellowship Square Mesa Main, 6945 E. Main St., Building 5, Second Floor, free admission, (888) 460-2182, www.fellowshipsquaremesa.org.

This sale features handcrafted scarves, greeting cards, designer bibs, home décor items, jewelry, baby gifts and much more. Proceeds from the sale will be used to purchase future supplies for Fellowship Square Mesa BusyHands projects—including yarn to make baby hats for Banner Baywood Hospital.

November 13 Friday

Coin samples valid November 2-6 at Sun City location only. One coin per person. Limited quantities available.

No purchase necessary. Must be 18 years or older to receive coin & register for prizes. See bank for details. Member FDIC.

page 18 : : Lovin’ Life After 50 : : November 2015

Ken Koshio “Love for Peace,” 6 p.m.., Lakeview United Methodist Church, Smoot Hall, 10298 W. Thunderbird Blvd., Sun City, call for cost, (602) 697-5361. Roots music and Taiko drumming for your spirit.

Saturday Night Swing, 7 p.m. to 9 p.m., All Saints Lutheran Church, 15649 N. Seventh St., Phoenix, $20, (602) 866-9191. Listen and dance to the tunes of the Big Band Era—Miller, Goodman, Dorsey, Ellington and Basie.

Classic swing with the modern sounds of Michael Buble and Harry Connick Jr. played by the Upper East Side Big Band, a 15-piece orchestra with vocals.

“Resource and Relaxation Retreat” for Family Caregivers, 7 a.m. to 7 p.m., FSL Caregiver House, 1201 E. Thomas Rd., Phoenix, call for charge, (602) 285-0505, ext. 327, donations@fsl.org. This retreat is for all unpaid caregivers in Arizona. They will learn about community resources that will simplify their daily lives while providing them the opportunity to put themselves first for an afternoon.

Winter Gardening Class, 11 a.m. to 12 p.m., Superstition Mountain Museum, 4087 N. Apache Trail, Apache Junction, free, (480) 983-4888, www.superstitionmountainmuseum.org. Fall is the time to plan and plant winter gardens. Learn how to have beautiful, colorful gardens in the winter and have fun doing so.

Alliance Care Team’s Aging Well Workshops, 8 a.m. to 12:30 p.m., Without Walls Church, 1303 S. Lindsay Rd., Mesa, free, (480) 868-1583, www.

AllianceCareTeam.org.

Line Dance, 12:30 p.m. to 2:45 p.m. Greenfield Village RV Resort, 111 S. Greenfield Rd., Mesa, $5, (480) 832-3844.

Sun City Women’s Club Brunch, 9 a.m., Sun City Country Club, 9433 N. 107th Ave., Sun City, $15, (623) 414-1451, (623) 444-4293, mwholick@gmail.com. The speaker is Karen Blankenship from Missouri. She will discuss “Remember the Journey—Making Moments Count.”

Music is by Joseph Kohlruss, a 16-year-old competing on “American Idol.”

Europe on a Budget with Terry Mindham, 1 p.m., Ed Robson Library, 9330 E. Riggs Rd., Sun Lakes, free, (602) 652-3000. Join the group for a fascinating and informational program on the best options for enjoying visits to Great Britain, France and Germany. Topics covered include best guide books, quaint places to stay, getting around, historical commentary and more.

Greater West Valley Christian Women’s Connection, 12 p.m. Corte Bella Country Club, 22129 N. Mission Dr., Sun City West, $23, (623) 255-5352.

Karen Blankenship—author, speaker and teacher—will be the guest speaker at the luncheon. She will share her skills that will help listeners regain balance over life’s challenges.

Let’s Appreciate Art, 11 a.m. to 12 p.m., Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale, call for charge, (480) 483-7121, ext. 1213, harrietc@vosjcc.org.

This month explore “More than Just a Window.”

Foot Screenings for Diabetic Patients, by appointment only, Sole Foot and Ankle Specialists, 5750 W. Thunderbird Rd., Suite F640, Glendale, free, (602) 938-3600, ext. 1.

November 14 Saturday

10050 W Bell Rd, Suite 6 • Sun City 623-561-4800 www.westernbanks.com

Sunland Village Pancake Breakfast, 7 a.m. to 9:30 a.m., Sunland Village Auditorium, 4601 E. Dolphin Ave., Mesa, $4 in advance, (480) 832-9003.

Craft and Vendor Fair, 9 a.m. to 2 p.m., Love of Christ Lutheran Church’s Center of Compassion, 1525 N. Power Rd., Mesa, free, (480) 981-6199, www.loveofchristchurch.net. Fifty local vendors will have a variety of items ranging from Christmas ornaments to handmade wooden items.

November 15 Sunday

November 16 Monday

American Cancer Society: Look Good Feel Better, 4 p.m. to 6 p.m., Ironwood Cancer and Research Centers, 6111 E. Arbor Ave., Mesa, free, (480) 855-2224, www. ironwoodcrc.com. For cancer patients.

November 17 Tuesday TRPEA Chapter 101—Valley of the Sun, 11 a.m., Deer Valley Airport Restaurant, 702 W. Deer Valley Rd., Phoenix, charge for meal, (480) 340-2180. The November meeting will focus on the Reed-DeMaio Retirement Pension Ballot Initiative in California. Those interested in retirement issues are invited to attend.

Let’s Design, 12 p.m. to 1 p.m., Valley of the Sun JCC, 12701 N. Scottsdale Rd., Scottsdale, call for charge, (480) 483-7121, ext. 1213, harrietc@vosjcc.org. Learn

www.lovinlifeafter50.com

Mindful Choices

“Manifest your greatest work of art, You…” Bringing your inner thoughts into focus • Sleep Apnea • Weight Management • Stress Management • Fears and Phobias • Reframing Goals

620-320-5183

Jill H. Calev

Jill@MindfulChoices.life www.MindfulChoices.life

everything about interior design from Bonnee Gruber, IDS, IFDA. Topics change every month.

sell their art and handmade crafts. Coffee and light lunch available.

November 18 Wednesday

Spirit of Phoenix Barbershop Chorus, 7:30 p.m., Pinnacle Presbyterian Church Concert Series, 25150 N. Pima Rd., Scottsdale, $25 and $35. (480) 303-2474, www.pinnacleconcerts.org. Chorus and quartets perform in a variety of a cappella musical styles.

National Active and Retired Federal Employee Association (NARFE) Chapter 1395, 11 a.m. lunch, 12 p.m. meeting, Brothers Family Restaurant, 8466 W. Peoria Ave., Peoria, charge for lunch, (623) 935-4681, deb.at.NARFE@gmail.com. The tentative speaker will be from Hospice of the Valley with a presentation called “Coping with grief through the holidays.”

November 19 Thursday Healthy Living Expo, 8 a.m. to 12 p.m., Mesa Convention Center, 263 N. Center St., Mesa, free, www.seniorexpos.com/healthy-living-expo/, (480) 348-0343. Lovin’ Life After 50 is bringing back its Healthy Living Expo to area seniors. More than 60 exhibitors will offer information on topics like tours and travel, retirement living, leisure, health care, finances, home repairs, education, casinos and more.

Empowering Others to be Your Health Care Advocate in a Crisis, 12 p.m. to 1 p.m., Red Mountain Active Adult Center, Red Mountain Multigenerational Center, 7550 E. Adobe St., Mesa, $3.50 to $6, reservations required, (480) 218-2221. The program will be presented

by Gilbert estate planning attorney Becky Cholewka.

Special Genealogical Society Research Evening, 5 p.m. to 9 p.m., West Valley Genealogical Society/ Library, 12222 N. 111 Ave., Youngtown, free, registration required, (623) 933-4945, www.azwvgs.org. Open to the public, this informal gathering is an opportunity to help you begin satisfying that curiosity. Assistance is available to help you access Ancestry and other databases or you can peruse the extensive library collections. Bring a sack dinner; beverage and dessert provided for a $3.50 donation.

November 20 Friday Arts and Crafts Bazaar and Sale, 8:30 a.m. to 3 p.m., repeats Nov. 21, The Congregational Church of Sun City, 18401 N. 99th Ave., Sun City, free admission, (623) 977-4241, www.ccscaz.com. More than 60 vendors will

www.lovinlifeafter50.com

The Creative Designers Holiday Classic Boutique, 4 p.m. to 7 p.m., repeats 9 a.m. to 12 p.m. Nov. 21, Sierra Ballroom at Trilogy at Power Ranch, 4369 E. Village Pkwy., Gilbert, (480) 219-1344. The boutique will feature handmade items for the entire family. Proceeds will benefit programs for 501(c)(3) charities and schools.

DO YOU REALLY want to trust your legal documents to a website?

P 1 2

ersonalized legal service means a licensed attorney will explain:

Let’s Eat Mature Mavens Dinner, 5 p.m., a Valley restaurant, charge for meals, reservations required, (480) 991-1625. Meet for dinner, socialize and make new friends. Dinner is separate checks.

Rock ‘n’ Roll Dance, 6:30 p.m. to 9:30 p.m., Palm Ridge Summit Hall, 13800 W. Deer Valley Dr., Sun City West, $6 members, $8 guests, (602) 679-4220, www. scwdanceforhealth.com. Host and DJ Kort Kurdi will spin hits from the 1970s and 1980s.

Arizona Model Aviation’s 27th Annual Arizona Jet Rally, 9 a.m. to 5 p.m., repeats Nov. 21 and Nov. 22, Superstition Airpark, Usery Park, 3939 N. Usery Pass Rd., Mesa, $6 per carload, various parking for camping and landing, (480) 980-1386, www.azmodelaviators. com. The event features model aircraft and parts vendors on site. Current AMA membership required of all participating pilots.

November 21 Saturday “Dancing” Fashions on Review, 12 p.m., Palmbrook Country Club, 9350 W. Greenway Rd., Sun City, $30, (602) 788-9556, info@cameofoundation.org. The musical fashion show and luncheon features emcee Danny Davis, performer Ms. Senior Arizona 2015 Jessica Klebanow and fashions by Dillard’s. ...continues on page 20

Clinical Hypnotherapist Certified Life Coach

How a Revocable Living Trust can help you and those imporant to you.

Sharon Ravenscroft, Esq.,

The Cavanagh Law Firm, PA, with offices in Sun City and Phoenix, can be reached at

(623) 815-7451

or Sravenscroft@ CavanaghLaw.com.

For more information regarding wills, trusts, healthcare powers of attorney, premarital agreements, domestic partnership agreements as well as business law, see: www. sharonravenscroft.com.

Your Powers of Attorney can empower the right people with the appropriate duties.

3

Optimizing your IRA beneficiary designations can avoid unnecessary additional income taxation.

4 5

Preventing court conseratorships will protect a minor’s inheritance.

Avoiding probate can prevent involvement of legal heirs who are not beneficiaries of your estate.

Questions like these can be answered with no extra fee. We respond to our clients when questions arise, even years after the documents are prepared.

November 2015 : : Lovin’ Life After 50 : : page 19

calendar

... from page 19

Arts and Crafts Fair, 9 a.m. to 3 p.m. Granite Reef Senior Center, 1700 N. Granite Reef Rd., Scottsdale, free, (480) 312-1700, www.scottsdaleaz.gov/seniors/artsand-crafts-fair. Peruse the local artisans during the 32nd annual event.

Patio Sale, 9 a.m. to 12 p.m., Greenfield Village RV Resort, 111 S. Greenfield Rd., Mesa, free admission, (480) 832-3844.

Julie Lee Duo Dance, 7 p.m., Greenfield Village RV Resort, 111 S. Greenfield Rd., Mesa, $7 in advance, $8 at the door, (480) 832-2844.

Apache Junction Rock and Gem Club’s Fall Jewelry, Gem and Rock Show, 9 a.m. to 5 p.m., repeats 10 a.m. to 4 p.m. Nov. 22, Apache Junction High School Cafeteria, 2525 S. Ironwood Dr., Apache Junction, $3, www.ajrockclub.com. Dealers will be selling jewelry, gems, beads, opals, cabochons, rocks and minerals, fossils, and jewelry-making supplies and equipment. Included are door prizes, a silent auction, a raffle, and a gem-treemaking activity.

APRIL SUN

3

TUE

WED

THU

1

FRI

2

SAT

COL 5 COL 6 COL 7 CHI 8 CHI 9 CHI

4

CHI

MAY

MON

6:40

6:40

LA

12:40

LA

6:40

LA

6:40

COL

SD 18 SF 19 SF 20 SF 21 SF 22 PIT 23 PIT

22

24

PIT 25 STL 26 STL 27 STL 28 STL 29 COL 30 COL

29

TBD

14

TBD

15

TBD

16

TBD

TBD

TBD

TBD

TBD

TBD

TBD

6:40

5:10

1:10

6:40

6:40

6:40

6:40

6:40

5:10

MON

TUE

1

WED

THU

TBD

FRI

5

TBD

TBD

TBD

TBD

TBD

6:40

6:40

6:40

TBD

TBD

STL 23

24

THU

MIA

6

TBD

FRI

ATL

7

TBD

SAT

ATL

TBD

1:10

6:40

20

6:40

5:10

TBD

TBD

6:40

5:10

STL 21 STL

PIT 25 PIT 26 PIT 27 SD 28 SD

SD 30 HOU 31 HOU

SUN

SAT

TBD

12:40

TBD

TBD

TBD

MON

TUE

WED

THU

1

FRI

SF 2

SAT

SF

6:40

5:10

TBD

TBD

6:40

5:10

TBD

TBD

TBD

TBD

8

SF 9

10

SF 11

14

15

LA 16 LA

PHI 20 PHI 21 TOR 22 TOR 23 COL 24 COL 25 COL

17

LA 18

TOR 20 TOR 21

22

CIN 23 CIN

COL 27 PHI 28 PHI 29 PHI 30

24 CIN TBD 25 31 LA TBD

12

MIA 13 LA 14 LA 15 LA 16

TB 7

TB 8

MIA 11 MIA

3

17

PHI 18 PHI

19 26

TBD

6:40

1:10

TB 9

6:40

6:40

12:40

6:40

6:40

12:40

TBD

TBD

TBD

TBD

TBD

6:40

6:40

12:40

TBD

TBD

1:10

5:10

TBD

SUN

1

MON

6:40

WED

6:40

1:10

TBD

THU

5

12:40

FRI

SUN

SAT

MIL 6 MIL 6:40

BOS

BOS 15 NYM 16 NYM 17 NYM 18 SD 19 SD 20 SD

11

MIL

1:10

TBD

6:40

22

CIN 29 1:10

ATL

TBD

6:40

23

6:40

ATL 6:40

30

11

10

TBD

TBD

SD

NYM NYM NYM BOS

5:10

4

9

6:40

12 19

6:40

13

6:40

12:40

TBD

TBD

SF

MIL 26 MIL 27 MIL 28 MIL 29 LA 30 LA TBD

TBD

SEPT//OCT

TUE

WAS 2 WAS 3 WAS 4

8

6:10

TBD

TBD

AUGUST

28

MIA

1:10 TBD

10

21

WED

SF 4 SD 5 SD 6 SD 7

CHI 6

14

MIA

4

TBD

1:10

HOU 2 HOU 3 CHI 4 CHI

5

7

TUE

JULY

JUNE SUN

3

SF 16 NYY 17 NYY 18 NYY 19

17

1:40

13

MON

ATL 9 COL 10 COL 11 COL 12 SF 13 SF 14 SF

8

5:10

SD

12

11

2

1:10

15

10

SD

SUN

1

ATL 6:40

SF 31 SF TBD

TBD

6:40

24

TBD

12

TBD

TBD

25

ATL 6:40

13

CIN

6:40

TBD

27

CIN

5:10

5

TBD

TBD

TBD

26

COL

MON

18

LA

TBD

TUE

6

LA

TBD

WED

7

LA

1

THU

8

2 9

TBD

FRI

SAT

COL 3 COL TBD

TBD

6:40

5:10

6:40

5:10

TBD

TBD

6:40

5:10

SF 10 SF

SF 12 COL 13 COL 14 COL 15 LA 16 LA 17 LA

1:10

6:40

6:40

6:40

1:10

TBD

TBD

TBD

TBD

TBD

TBD

LA 19 SD 20 SD 21 SD 22

25 BAL TBD 26 2 SD 1:10

6:40

23

BAL 24 BAL

WAS 27 WAS 28 WAS 29 WAS 30 SD 1 SD TBD

Mining and Mineral Expo with Dutchman Matchbox Display, 10 a.m., Superstition Mountain Museum, 4087 N. Apache Trail, Apache Junction, $5 adults, $4 seniors (55 and older), free for kids younger than 17, (480) 983-4888, www.superstitionmountainmuseum.org.

This one-day event features the display of the authenticated “Dutchman Matchbox” made from the gold “deathbed ore” found under Jacob Waltz’s bed when he died.

November 22 Sunday Line Dance, 12:30 p.m. to 2:45 p.m., Greenfield Village RV Resort, 111 S. Greenfield Rd., Mesa, $5, (480) 832-3844.

November 23 Monday Sun Cities Saddle Club, 10 a.m., Wooddale Village Retirement Community, 18616 N. 99th Ave., Sun City, free, (623) 584-5696, suncitiessaddleclub@gmail.com. The trail riding and social club for seniors is open to residents of Sun City, Sun City West, Sun City Grand and Corte Bella.

Trail rides are held Thursdays at stables around the Valley.

American Cancer Society: Look Good Feel Better, 4 p.m. to 6 p.m., Ironwood Cancer and Research Centers, 3686 S. Rome St., Gilbert, free, (480) 855-2224, www. ironwoodcrc.com. For cancer patients.

November 24 Tuesday Last Comic Standing 2015, 7:30 p.m., Mesa Arts Center’s Ikeda Theater, One E. Main St., Mesa, $40 to $101, (480) 644-6500, www.mesaartscet November 25 Wednesday Diabetes: Nutrition & Physical Activity Guidelines, 5:30 p.m. to 7 p.m., HonorHealth Medical Group, 6320 W. Union Hills Dr., Suite 2200, Glendale, RSVP: (623) 561-3103; http://HonorHealth.com November 26 Thursday Happy Thanksgiving from all of us at Lovin’ Life After 50!

November 27 Friday Be careful with the crowds at Black Friday.

November 28 Saturday Needham Twins Dance, 7 p.m., Greenfield Village RV Resort, 111 S. Greenfield Rd., Mesa, $7 in advance, $8 at the door, (480) 832-3844.

Old-Fashioned Christmas in the Barn, 9 a.m. to 4 p.m., Superstition Mountain Museum, 4087 N. Apache Trail, Apache Junction, free, (480) 983-4888, www. superstitionmountainmuseum.org. The Apacheland Barn will be decked out in old-fashioned Christmas finery again this season at the museum. A special holiday boutique will be held on Nov. 28. The museum is asking for donations of new socks and underwear for needy students.

November 29 Sunday Broadway on Center Tickets Go on Sale, Mesa Arts Center, One E. Main St., $101 to $186 www. mesaartscenter.com.

November 30 Monday Cooking with Eddie—Holidays: Hanukkah to New Year’s, 6 p.m. to 8:30 p.m., Allstate Appliances Showroom, 15250 N. Hayden Rd., Scottsdale, $75, (480) 483-7121, ext. 1213, harrietc@vosjcc.org. Chef Eddie Matney shares his techniques and secrets for memorable holiday meals with innovative new twists on classic recipes.

Got an Event?

Send it to info@lovinlifeafter50.com page 20 : : Lovin’ Life After 50 : : November 2015

www.lovinlifeafter50.com

Entertainment Antics, lunch and models from next door at ‘Dancing Fashions’ Y

Fun & Games Around The Valley November 2015

:: by Kenneth LaFave

ou could call it “Real Models of the Valley.”

The sixth annual “Dancing Fashions on Review” will take place at 12 p.m.

Saturday, Nov. 21, at Palmbrook Country Club, 9350 W. Greenway Rd. in Sun City. Sponsored by Palmbrook, the Cameo Foundation and Times Media Group/ Lovin’ Life After 50, the fashion show’s proceeds will benefit Cameo, a Valley-based 501(c)(3) that aids victims of domestic violence.

While Cameo’s other major fundraiser is the black-tie Cameo Ball, Models of all ages will dance down “Dancing Fashions on Review” is a no- the runway at “Dancing Fashions on tie event. The $30 admission includes Review.” lunch, plus the show.

“The ladies and men dance down Danny Davis and a model cruise the runway at The fashions are from Dillard’s and the runway and go through several last year’s “Dancing Fashions on Review.” the models are from next door. changes of clothes,” Davis said.

“Everybody just has fun. The mod- “Bob and I jump into the action, While single admission is $30, chilels aren’t professionready for everything dren age 10 and under can participate als, they’re volunteers and anything. Once, for $15. A table of 10 people costs who get out on the the sound went out $270. runway and have a in the middle of the “Dancing Fashions on Review” progood time,” said Bob show. We went with vides a uni ue way to help a nonprofit Messinger, who will it.” while enjoying an almost carnival-like provide music for the Davis and Mess- atmosphere. occasion. inger improvise mu“All these people come together for “We don’t rehearse sic and commen- a great cause and put on a fantastic for this. It’s all offtary, but they also show,” Messinger said. “Sit down, have the-cuff—like live perform classic pop lunch, watch the new fashions and the television,” Messingsongs together. antics.” er said.

“Usually, Bob The models at this Cameo Foundation Messenger will play fundraiser are volunteers. and I do ‘Love’ keyboards for the

by Nat King event’s emcee, Valley radio personality Cole and ‘The Way You Look ToDanny Davis. The team has provided night.’ We did a Neil Diamond music and commentary for the fund- thing last year. It varies,” Davis said. raiser for four years.

“Dancing Fashions on Review” “We just keep it loose and moving is the brainchild of Herme Sherry, along” echoed Davis, the morning the 2004 Mrs. Senior Arizona and a drive host and “director of morning Cameo board member. The annual mischief ” at radio station KOY, 1230 Mrs. Senior Arizona pageant is afAM. filiated with the Cameo Foundation.

The title, “Dancing Fashions on Re“Herme directs the whole show, view” lives up to its promise, as the and she’s great at it. I can’t say models move to Messinger’s music enough good stuff about her,” Runway moves to live music are the highlights of the fundraiser. while they show off current fashions.

Messinger said.

www.lovinlifeafter50.com

The Yardbirds Listen to the sounds of one of the bands at the forefront of the British Invasion with the hits “Heart Full of Soul,” “Shapes of Things” and “For Your Love.”

WHEN: Friday, Nov. 6, at 8 p.m.

WHERE: The Lounge, Harrah’s Ak-Chin Casino, 15406 N. Maricopa Rd., Maricopa COST: Free INFO: http://bit.ly/1GXhthv Eric Burdon & The Animals Speaking of the British Invasion, The Animals with Eric Burdon at the helm scored several hits in the 1960s with “The House of the Rising Sun,” “Don’t Let Me Be Misunderstood” and “We Gotta Get Out of This Place.”

WHEN: Saturday, Nov. 7, gates open at 6 p.m.

WHERE: Ultrastar Amphitheater, Harrah’s Ak-Chin Casino, 15406 N. Maricopa Rd., Maricopa COST: Free INFO: http://bit.ly/1GXhthv Paradise City-Tribute to Guns N’ Roses A top tribute to the legendary band, Paradise City brings the same energy and epic stage presence to its shows as Guns N’ Roses. Relive the act’s glory days with music from “Appetite for Destruction” and “Use Your Illusion.”

WHEN: Saturday, Nov. 7, at 7:30 p.m.

WHERE: The Showroom at Casino Arizona, 524 N. 92nd St., Scottsdale COST: $15 to $25 INFO: http://bit.ly/1MgIyvX or (480) 850-7734 David Spade Laugh it up with the “Saturday Night Live” cast member and Emmy Award nominee who brings his stand-up comedy, sarcasm and sharp wit to the stage.

WHEN: Saturday, Nov. 7, at 8 p.m.

WHERE: The Showroom at Talking Stick Resort, 9800 E. Indian Bend Rd., Scottsdale COST: $40 to $150 INFO: http://bit.ly/1xJuqZh or (480) 850-7734 ...continues on page 26

November 2015 : : Lovin’ Life After 50 : : page 21

Entertainment

... answers on page 59

EVEN EXCHANGE by Donna Pettman 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.

Across 1. Carpentry tool 4. Test phase 8. “Thanks ___!”

12. Send 14. Hang-glides 15. Collections of points in math 16. Divan 17. 1911 Chemistry Nobelist 18. Shot follower 19. Cardinal 22. Termination point 23. Malt drying ovens 24. Six-Day War hero 28. Hebrew month 31. Turkish mountain 33. Euripides drama 34. Norway’s capital 38. Cardinal 41. Cain’s brother 42. Not in good physical shape 43. Fodder 44. Pants part 45. First discovered asteroid 46. Collapse under pressure 50. Cooking equipment 52. Cardinal 58. Aztec comparable 59. US writer Alex ___ 60. Back of the neck 63. Complain, slangily 64. N. African antelope 65. Effortlessness 66. Spare parts?

67. Perchance 68. Nada Down 1. Lunkhead 2. ____ is it?

3. Pick-me-up 4. Spring 5. Acquire for one’s labor 6. Barber’s job

DIFFICULTY THIS MONTH H H H Moderate HH Challenging HHH HOO BOY! HHHH Put on your helmet!

CROSSWORD by Myles Mellor

7. Like some salts 8. Socially dominant 9. Armstrong or L’Amour 10. Wedding band, perhaps 11. “___ Andronicus” 13. Take care of a bill 14. CAT, for one 20. Nephritic 21. Pinnacle 24. Baby’s first word, often 25. Intelligent horse breed 26. Easily maneuvered 27. Radical derived from hydrogen removal 28. Gangway 29. Play-___ 30. Cordial in Spain 32. Matching 34. Stare at 35. All-__ game

36. Orchestra alternative 37. Little bills 39. Dark beer 40. Notches 44. Mauna ___ Observatory 46. Hamper 47. Capital of Vietnam 48. Ancient Italian 49. Mongol rulers 50. Toast choice 51. Black chalcedony 53. Spicy stew 54. Shade of green 55. Cutlass or Delta 88 56. Start of long-distance dialing 57. Curry side 61. Pressure measure 62. It may be smoked

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!

page 22 : : Lovin’ Life After 50 : : November 2015

www.lovinlifeafter50.com

rivia Contest

N

ow that the temperatures have officially dropped for good, fall has finally arrived in Arizona.

Snowbirds not native to the Valley might notice that there aren’t many trademark signs of fall around here.

You barely have to wear a sweater, and not only are there no red-and-yellow leaves to be found—there are usually no leaves at all!

That’s OK, because we do fall our own way. We make up for a lack of changing foliage with pumpkin spiced everything and a bit of trivia. Brush up on your fall knowledge (and maybe win yourself a little something, something, too!) with that big ol’ brain of yours.

Questions

1 2 3 4 5

On what day did the fall equinox fall this year?

What is the term for a full moon that takes place closest to the autumn equinox?

According to the Journal of Aging Research, people born in the autumn are more likely to live to what age?

Greek mythology says that autumn began when what goddess was abducted to become Queen of the Underworld?

To enter simply:

On a sheet of paper list the correct answers in order 1 through 5.

Include your full name, mailing address, phone number and an email address (if you have one).

Mail your trivia contest entry to: Lovin’ Life After 50 Attn: Trivia Contest 3200 N. Hayden, Suite 210 Scottsdale, AZ 85251 Or email your entry to: trivia@lovinlife.com

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The deadline for entry is the 15th of each month. Please be sure to have your entry postmarked by that date.

If you’re a winner in our drawing, we’ll contact you via telephone. Good luck!

Contest Prizes A certificate for a one-night stay at InnSuites

Call the Collector: 480-969-6056 Not ready to sell now? Put this ad with your toys so you can call later.

I buy trains of any age or size and boy’s toys made before 1970.

October 2015 Winners A certificate for a one-night stay at InnSuites Gary Inouye A certificate for a one-night stay at InnSuites Brandon Hoogstra

What 17th century English phrase does the term “fall” stem from?

Last Month’s Answers

1 2 3 4 5

Jerome is the Arizona ghost town with a population of 451.

“Poltergeist” means “noisy ghost” in German.

The British door-to-door tradition that predated trick-or-treating was called “souling.”

The Copper Queen Hotel is the Bisbee hotel known for alleged hauntings.

“The Legend of Sleepy Hollow” was the 1880s short story with a central character with a jack-o-lantern head.

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November 2015 : : Lovin’ Life After 50 : : page 23

Entertainment Tinseltown Talks

A ‘High Chaparral’ Thanksgiving with Henry Darrow

2C ENTERTAINMENT

ome November, Henry Darrow’s making various turkey sounds trying to thoughts typically turn to tur- catch it. That was a fun episode.” keys...and burros.

Earlier in the plot, Manolito’s buckDarrow, who turned 82 in Septem- board holding the turkey is stolen, forcber, played Manolito ing him to seek alternain the popular ‘60s tive transportation. western TV series “A burro!” recalled “High Chaparral.” He Darrow, laughing. “I can recalls the memorable still picture myself riding Thanksgiving episode, that animal—it was very “For What We Are boney and uncomfortAbout to Receive,” able!” first broadcast on NBC Darrow appeared in on Nov. 29, 1968. all 98 “High Chaparral” “We spent that epiepisodes, as well as over sode looking for a lost 130 film and television turkey that I’d won in roles, many discussed a shooting contest,” Still of Henry Darrow in his in his 2012 autobiogsaid Darrow, from his raphy “Henry Darrow: film Soda Springs. home in North CaroLightning in the Bottle” lina. “The bird falls off my wagon and co-written with Jan Pippins (see www. in one scene we’re all out in the desert henrydarrowbook.com).

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page 24 : : Lovin’ Life After 50 : : November 2015

NBC PUBLICITY SHOT

C

:: by Nick Thomas

High Chaparral Cast photo - Leif Erickson, Mark Slade, Henry Darrow and Linda Cristal.

“High Chaparral” was one of numerous TV westerns dominating network TV in the ‘60s.

“About 15 of the top 20 shows were westerns,” said Darrow. But the series stood out with its realistic treatment of life and conflict in the ld West. “It was also the first show to feature a Hispanic family alongside an Anglo family in primetime.”

The show was created by “Bonanza” producer David Dortort, who was looking for a Hispanic actor to play Manolito.

“I got lucky when he saw me in a play,” said Darrow, who parents were from Puerto Rico although he was actually born in Manhattan.

Darrow was a teenager when his family returned to Puerto Rico, where he studied at the university before heading back to the United States to take up acting.

“As a kid in Puerto Rico, I’d get out of school and go down to a small, local theater and for a quarter could see all the great cowboy stars like Charlie Starrett (the Durango Kid), Buck Jones, Gene Autry and Roy Rogers,” he recalled. “Then, as a young adult, I got to play one on TV.” Darrow said he wanted Manolito to have his own easy-going personality, but also drew on previous stage work.

“I styled him after two Shakespearian characters I played: Mercutio from Romeo and Juliet, which added a comedic touch, and Iago from Othello, which mixed a little darkness to the character. He was a free spirit.”

“High Chaparral” also starred Leif Erickson, as head of the Cannon family’s Arizona ranch, as well as Linda

Cristal, Mark Slade and Cameron Mitchell.

“Cam (Mitchell) was quite a character,” said Darrow. “He introduced me to horse and dog racing and poker, but I learned a lot from watching him and his inventiveness on the set.”

During summer shooting on location, Darrow said ground temperatures could exceed 120 degrees. “If you got knocked down during a fight scene and brushed your skin against a rock out in the sun, it would burn you.”

“Despite the heat, Darrow remembers Mitchell usually dressed in black.

“Cam would jump into the horse troughs when it was hot and after dripping a bit when he got out, you couldn’t tell his black shirt and pants were wet.

Very smart.”

Planning for the final ban uet scene of the Thanksgiving episode, after a turkey is finally caught and cooked, Darrow remembers Mitchell saying he would serve the peas, leaving the mashed potatoes for Darrow.

“But Cam grabbed the potatoes,” laughed Darrow. “He was always doing something unexpected.”

The meal was also interrupted by neighbors and local Indians, each claiming ownership of the turkey.

“Instead of fighting, we ended up sharing the meal,” explained Darrow.

“It was like the first Thanksgiving all over again—a wonderfully written episode for the season.”

Nick Thomas teaches at Auburn University at Montgomery, Alabama, and has written features, columns, and interviews for over 600 magazines and newspapers

www.lovinlifeafter50.com

Entertainment Bingo Happenings-November 2015 Fort McDowell Casino Experience bingo in Fort McDowell Casino’s state-of-the-art and award-winning 1,700-seat bingo hall.

WHEN: Seven days a week, various times WHERE: Fort McDowell Casino, 10424 N. Fort McDowell Rd., Fort McDowell COST: Charge for cards INFO: (800) THE-FORT, ext. 4380, or www.fortmcdowellcasino.com/bingo.php Vee Quiva Hotel and Casino Gamers who stop by Bingo Park enjoy picturesque National Park views in the state-of-the-art, 550-seat bingo hall.

WHEN: Seven days a week, various times WHERE: Vee Quiva Hotel and Casino, 15091 S. Komatke Ln., Laveen COST: $2 to $32 INFO: (800) 946-4452, ext. 1942, or www.wingilariver.com Lone Butte Casino The state-of-the-art and spacious bingo hall features 850 seats and has morning, matinee and evening sessions.

The morning sessions include five regular games and two specials, with three for $10 and $1 specials.

WHEN: Seven days a week, various times WHERE: Lone Butte Casino, 1077 S. Kyrene Rd., Chandler COST: $2 to $32 INFO: (800) 946-4452, ext. 8928, or www.wingilariver.com Sunland Village East Prize money will vary during the year based on attendance.

WHEN: Sundays, at 6 p.m.

WHERE: Sunland Village East Auditorium, 8026 E. Lakeview Ave., Mesa COST: Charge for cards varies to number purchase INFO: (480) 986-9822 or (480) 313-7033 Chandler Senior Center Bring a friend or make some new ones while enjoying some fun, laughter and prizes.

WHEN: Mondays, Wednesdays and Fridays from 12:15 p.m. to 1:15 p.m.

WHERE: Chandler Senior Center, 202 E. Boston St., Chandler COST: 50 cents per card. No limit on cards purchased.

INFO: (480) 782-2720 or www.chandleraz.gov/senioradults Mesa Adult Center Twenty-one games, win up to $500 in losers bingo, social bingo and big game bingo.

WHEN: Mondays, Wednesdays and Fridays, at 1 p.m.

www.lovinlifeafter50.com

WHERE: Mesa Adult Center, 247 N. Macdonald St., Mesa COST: Various costs, call for pricing INFO: (480) 962-5612 or http://mesa.evadultresources.org Social Bingo Join others during social bingo.

WHEN: Mondays, from 1 p.m. to 3 p.m.

WHERE: Apache Junction Active Adult Center, 1035 N. Idaho Rd., Apache Junction COST: 25 cents per card INFO: (480) 474-5262 or http://aj.evadultresources.org Brentwood Southern There is a money ball; 17 games include three that are percentage payout.

WHEN: Mondays, hall opens at 4:30 p.m., sale starts at 5:15 p.m. and bingo starts at 6:30 p.m.

WHERE: Brentwood Southern, 8103 E. Southern Ave., Mesa COST: Varies according to games and number purchased INFO: (480) 306-4569 Earl E. Mitchell Post No. 29 Guaranteed coverall jackpot; no regular games under $100.

Play all the games for $21, or the money ball for $1.

WHEN: Mondays and Thursdays, at 6:30 p.m., and Wednesdays, at 11:30 a.m.

WHERE: Earl E. Mitchell Post No. 29, 6821 N. 58th Ave., Glendale COST: Various costs, call for pricing INFO: (623) 930-9313 or www.azlegionpost29.org/ content.php?id=52

Sunland Village Auditorium doors open at 4:30 p.m., cards are sold at 6 p.m. and play begins at 7 p.m. There’s a $900 progressive pot.

WHEN: Thursdays in November, except for Nov. 26, at 7 p.m.

WHERE: Sunland Village Auditorium, 4601 E. Dolphin Ave., Mesa COST: Charge for cards varies according to number purchased INFO: (480) 832-9003

Peoria Community Center Prize money will vary based on attendance.

WHEN: Tuesdays and Fridays, at 12:30 p.m.

WHERE: Peoria Community Center, 8335 W. Jefferson, Peoria COST: 25 cents per card; 50 cents for overall INFO: (623) 979-3570

Sunrise Village Join the group to play bingo weekly. The cards start selling at 5:45 p.m., early bird at 6:45 p.m., and regular bingo at 7 p.m.

WHEN: Fridays, at 5:45 p.m.

WHERE: Sunrise Village, 5402 E. McKellips Rd., Mesa COST: $13 minimum buy in INFO: (480) 985-0548

Community Bingo The 200-seat bingo hall open Wednesdays through Sundays in Goodyear. The building—new and well-lit—features Ana’s dinners and desserts.

WHEN: Wednesdays through Sundays, at 6:30 p.m.; Fridays, at 10:30 p.m.; and Sundays, at 2 p.m.

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Greenfield Village RV Resort Doors open at 6:30 p.m. for these bingo events, with games to begin at 7 p.m.

WHEN: Tuesdays in November, at 7 p.m.

WHERE: Greenfield Village RV Resort, 111 S. Greenfield Rd., Mesa COST: Depends on number of cards purchased; $1 and higher INFO: (480) 832-3844 Devonshire Senior Center Devonshire Senior Center provides money ball, 10 regular games plus progressive coverall. Split-the-pot games are early birds and double action.

WHEN: Tuesdays, Thursdays and Saturdays, sales start at 12:15 p.m.

WHERE: Devonshire Senior Center, 2802 E. Devonshire, Phoenix COST: Starts at $2; must have City of Phoenix parks and recreation membership card to be eligible to play.

INFO: (602) 256-3130

WHERE: Community Bingo, 3690 S Estrella Pkwy., Suite 108, Goodyear COST: $21 (includes progressive) for 18 games; $14, late night and matinee for 13 games.

INFO: (623) 512-8878

Red Mountain Active Adult Center Bingo seating begins at 12:50 p.m.

WHEN: Tuesdays and Thursdays, from 1:15 p.m. to 3 p.m.

WHERE: Red Mountain Active Adult Center, 7550 E. Adobe Rd., Mesa COST: Tuesdays there are various prices; Thursdays the cards are 25 cents INFO: (480) 218-2221 or http://rm.evadultresources.org

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November 2015 : : Lovin’ Life After 50 : : page 25

Ask Away Q: Dear Dr. Ray, does Medicare pay for hearing tests?

with Dr. Ray

Georgine Ray, Au.D. Doctor of Audiology

A: Medicare does not cover routine hearing exams. A routine hearing exam is an appointment that you request when you’re looking to figure out the extent of your hearing difficulties — basically when you go to get your hearing checked.

Medicare will pay for the services when a physician orders testing to help them determine the appropriate medical or surgical treatment of a hearing impairment or related medical problem. This is generally categorized under diagnostic audiological services.

If the need for testing and hearing technology does not come under the guidelines specified by Medicare, then the patient is responsible for 100% of the professional fees.

To find out more about Medicare coverage for hearing care services and technology, visit the official U.S. Government site at www.medicare.gov.

Call today to schedule your free hearing screening!

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Entertainment Fun & Games Around the Valley... from page 21 Melissa Etheridge This Academy Award- and Grammy-winning artist performs songs from her new album, “This is M.E.” and hits like “Come to My Window,” “I’m the Only One” and “I Want to Come Over.”

WHEN: Friday, Nov. 13, at 8 p.m.

WHERE: Wild Horse Pass and Casino’s Ovations Live Showroom, 5040 Wild Horse Pass Blvd., Chandler COST: $64 to $144 INFO: http://bit.ly/1OVjZv1 or (800) 946-4452 Sonora Santanera This orchestra plays tropical music. Founded in 1955

by Carlos Colorado in Tabasco, Mexico, the orchestra was modeled after a Cuban band, but soon adopted its own style.

WHEN: Friday, Nov. 13, at 8 p.m.

WHERE: Events Center at Vee Quiva Hotel & Casino, 15091 Komatke Ln., Laveen Village COST: $20 INFO: http://bit.ly/1Nyr2Xr or (800) 946-4452

Visit us at hearphoenix.com/ask-the-expert to learn more or submit your questions for future publications!

Mahoney Law Office, PLLC Estate Planning, Trusts and Wills Asset Protection Guardianship & Conservatorship Probate and Trust Administration Powers of Attorney Beneficiary Deeds Estate Plan Reviews

(623) 518-3513 (480) 788-2192

www.mahoneylawoffice.net Arrow head: 17 505 N . 7 9 th Ave. Suite 111-G Glendale, AZ 8 5308

Locations:

Goodyear: Scottsdale: 2980 N. Litchfield Rd. 6 4 24 E. Greenw ay Pkw y Suite 120 Suite 100 Goodyear, AZ 8 539 5 Scottsdale, AZ 8 5254

UFC 193: Rousey vs. Holm Viewing Party Watch the broadcast on the big screen of the mixed martial arts fight for the UFC Bantamweight Championship between the undefeated champion Ronda Rousey and Holly Holm.

WHEN: Saturday, Nov. 14, at 6 p.m.

WHERE: Arizona Room at Casino Arizona, 524 N. 92nd St., Scottsdale COST: $10 INFO: http://bit.ly/1MRkznI Furious George Scottsdale-based cover band performs classic rock songs.

WHEN: Saturday, Nov. 14, from 9 p.m. to 1 a.m.

WHERE: Lucky 7 Saloon, Fort McDowell Casino, 10424 N. Fort McDowell Rd., Fort McDowell COST: Free INFO: (800) 843-3678 or http://bit.ly/1GGZUFZ Diamond in the Rough: A Tribute to Neil Diamond Greg Ansel brings the look and sound, along with an

amazing video and light show, to create the songwriter’s greatest hits, including “Sweet Caroline,” “Cracklin’ Rosie,” “Solitary Man,” “Cherry, Cherry” and more.

WHEN: Sunday, Nov. 15, at 3 p.m.

WHERE: Wild Horse Pass and Casino’s Ovations Live Showroom, 5040 Wild Horse Pass Blvd., Chandler COST: $10 INFO: http://bit.ly/1OVjZv1 or (800) 946-4452 Fan Halen-A Tribute to the Music of Van Halen From the outfits to the choreography and the note-fornote accuracy, Fan Halen perfectly recreates some of the greatest rock songs. Right down to the sonic energy of the performance, no element is overlooked.

WHEN: Friday, Nov. 20, and Saturday, Nov. 21, at 7:30 p.m.

WHERE: The Showroom at Casino Arizona, 524 N. 92nd St., Scottsdale COST: $15 to $25 INFO: http://bit.ly/1LxCLrg or (480) 850-7734 Anderson Ponty Band Join Jon Anderson of Yes fame and Jean-Luc Ponty, two heavyweights of the progressive music world, as they collaborate onstage for a special night of music.

WHEN: Saturday, Nov. 21, at 8 p.m.

WHERE: The Showroom at Talking Stick Resort, 9800 E. Indian Bend Rd., Scottsdale COST: $30 to $65 INFO: http://bit.ly/1xJuqZh or (480) 850-7734 WANTED-The Ultimate Tribute to Bon Jovi Hear favorites like “Livin’ on a Prayer,” “Runaway” and “You Give Love a Bad Name” as WANTED recreates the sights, sounds and energy of Bon Jovi.

WHEN: Friday, Nov. 27, and Saturday, Nov. 28, at 7:30 p.m.

WHERE: The Showroom at Casino Arizona, 524 N. 92nd St., Scottsdale COST: $15 to $25 INFO: http://bit.ly/1MNsmpI or (480) 850-7734 Duane Moore and Mogollon Band Country rock band performs songs ranging from Hank Williams to Pink Floyd, along with some of its own music.

WHEN: Sunday, Nov. 29, from 4 p.m. to 8 p.m.

WHERE: Lucky 7 Saloon, Fort McDowell Casino, 10424 N. Fort McDowell Rd., Fort McDowell COST: Free INFO: (800) 843-3678 or http://bit.ly/1GGZUFZ

Got an event?

Jennifer Mahoney, Attorney

Natalie Boocher, Attorney

page 26 : : Lovin’ Life After 50 : : November 2015

Rachel Zaslow, Attorney

Include it in this list by sending your information to info@lovinlifeafter50.com www.lovinlifeafter50.com

Entertainment Arizona Casinos Listed Alphabetically

Cocopah Casino

Mazatzal Casino

Desert Diamond Casino I

Paradise Casino

Desert Diamond Casino II

Spirit Mountain Casino

Fort McDowell Gaming Center

Vee Quiva Casino

15136 S. Avenue B, Somerton (800) 237-5687, www.wincocopahcasino.com 7350 S. Nogales Highway, Tucson (866) 332-9467, www.desertdiamondcasino.com 1100 W. Pima Mine Rd., Sahuarita (866) 332-9467, www.desertdiamondcasino.com Beeline Hwy (SR 87) and Fort McDowell Rd. (800) 843-3678, www.fortmcdowellcasino.com

Highway 87, Payson (800) 777-7529, www.777play.com 540 Quechan Dr., Fort Yuma (888) 777-4946, www.paradise-casinos.com 8555 S. Highway 95, Mohave Valley (520) 346-2000 51st Ave and Estrella, Laveen (800) 946-4452, www.wingilariver.com

Apache Gold Casino

Casino Arizona at Talking Stick

Golden Ha:sañ Casino

Highway 86, Why (520) 362-2746, www.desertdiamondcasino.com

Wild Horse Pass Casino

9700 E. Indian Bend Rd., Scottsdale (866) 877-9897, www.casinoaz.com

BlueWater Casino

Casino del Sol

Harrah’s Ak-Chin Casino 15406 Maricopa Rd., Maricopa (800) 427-7247, www.harrahs.com

Yavapai Casino

5655 W. Valencia Rd., Tucson (520) 838-6506, www.casinodelsol.com

Bucky’s Casino

Casino of the Sun

Hon-Dah Casino

7406 S. Camino del Oeste, Tucson (520) 879-5450, www.casinosun.com

777 Highway 260, Pinetop (800) 929-8744, www.hon-dah.com

Casino Arizona at Salt River

Cliff Castle Casino

Lone Butte Casino

Highway 70, San Carlos (928) 475-7800, www.apachegoldcasinoresort.com 11222 Resort Dr., Parker (800) 747-8777, www.bluewaterfun.com Highway 69 and Heather Heights, Prescott (800) 756-8744, www.buckyscasino.com 524 N. 92nd St., Scottsdale (480) 850-777, www.casinoaz.com

555 Middle Verde Rd., Camp Verde (800) 381-7568, www.cliffcastle.com

5040 Wild Horse Pass Blvd., Chandler (800) 946-4452, www.wingilariver.com 1500 E. Highway 69, Prescott (800) 756-8744, www.buckyscasino.com

1200 S. 56th St., Chandler (800) 946-4452, www.wingilariver.com

TICKETS AVAILABLE AT , THE BOX OFFICE, MESAARTSCENTER.COM OR CHARGE BY PHONE AT 480-644-6500.

All dates, acts and ticket prices are subject to change without notice. Ticket prices subject to applicable fees.

FOLLOW US

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LIVENATIONPHX

November 2015 : : Lovin’ Life After 50 : : page 27

Under the Streetlamp pushes retro music, while having fun ::by Christina Fuoco-Karasinski

T

he singing group Under the Streetlamp doesn’t take itself too seriously.

Singer Shonn Wiley is talking on the phone to a reporter when bandmate Michael Ingersoll shouts to him.

“Does she want to talk to a real rock star?” Ingersoll asked.

“Nah, just a faux one,” Wiley answered while laughing.

These are the types of conversations Under the Streetlamp has on the road, but also what makes the act so charming on stage. Millions of people have witnessed this as Under the Streetlamp is one of PBS’ favorite children. As a matter of fact, the group is in the preliminary stages of putting together yet another PBS special.

“It’s a wonderful organization that we all believe in,” said Wiley, an Adrian, Michigan, native. “We all grew up watching PBS. It was an important tool in our lives as developing artists and children with the kind of programming they have.

“It’s nice that you can vote with your

dollars and support PBS and support a program like ours. You’re telling your community that this is something that’s important to you, that you’d like to keep it on the air. We take great pride in being affiliated with PBS.” Valley fans can see firsthand the talents of Under the Streetlamp and their penchant for retro music when the group plays the Mesa Arts Center on Friday, Nov. 27. Playing Arizona is special to Wiley.

“I’ve spent a good amount of time in the Tucson and Phoenix area over the last year,” said Wiley, who is dating a woman from Tucson. “The band is really excited to be coming back and playing the arts center.”

Not only is there a new woman in his life, but a new bandmate as well. Brandon Wardell joined when Michael Cunio left to pursue a solo career.

“He has about a half-dozen Broadway shows under his belt,” Wiley said of Wardell. “He brings charisma and an incredible voice. He plays guitar so there’s an element of instrumental-

See what PEOPLE are TALKING about

Under the Streetlamp brings its humor, and retro music to the Mesa Arts Center Thanksgiving weekend. ist. He’s charming, witty, funny and a you generally like—at least part of the great, great singer. He fits in perfect time,” he said laughing. “I’m kidding.

We get along very well.” with what we’re doing.”

While Wiley enjoys singing with UnUnder the Streetlamp performs at 8 p.m. der the Streetlamp, he said it’s tough Friday, Nov. 27, at the Mesa Arts Center’s sometimes.

“When you’re in a situation away Ikeda Theater, One E. Main St., Mesa. from your loved one and the people you Tickets are $34 to $54. For more informacare about the most, it’s good to know tion, call (480) 644-6500 or visit www. that you are on the road with people mesaartscenter.com.

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McCutcheon relives the music of::byJoe Hill Christina Fuoco-Karasinski A

fter 40-plus years in the music business, folk singer John McCutcheon still loves his job—but part of it is out of necessity.

“I have no other marketable skills,” he said with a laugh while calling from a tour stop in Milford, Connecticut.

“No, I happen to have fallen in, at a very young age, to a job that I love,” he said. “That has afforded me to do interesting creative work my whole life. That’s a rare gift. I was just lucky.

There’s always an influx of interesting new people coming in. I’m in my mid60s and I’m thrilled to hear young musicians who are coming into the field. I enjoy being around that kind of energy.”

McCutcheon was recently energized by a Swedish-born balladeer named Joe Hill who died 100 years ago on Nov. 19. Weathering hardship and injustice as an immigrant worker, Hill channeled his experiences into songs that helped galvanize the U.S. labor movement. McCutcheon covered his songs on “Joe Hill’s Last Will.”

“He never did a gig,” McCutcheon said. “The only time ever performed was at picket lines and rallies. He was under the employ of this union. It’s an astonishing thing to think about; the labor union today would never think of hiring someone to write songs for the union. They were a real singing union.”

McCutcheon, who also celebrated the 100th anniversary of Woody Guthrie’s birth with “This Land: Woody Guthrie’s America,” said he was a natural fit to perform Hill’s songs.

“This is my 37th album,” he said. “I have plenty of albums with my own songs. I thought, ‘When is anybody going to take the time to do this?’

“Part of it was commercial. Nobody knows who Joe Hill is. I did a Kickstarter campaign and entered a whole new world.”

McCutcheon said he’s sure fans in Tucson and Phoenix will appreciate this music. He plays Javarita Coffeehouse in Sahuarita on Friday, Nov. 13, and Fiddlers Dream Coffeehouse in Phoenix on Saturday, Nov. 14.

“The Tucson area is such a great area for music,” he said. “I’m looking forward to getting back. There are

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John McCutcheon still loves his job after 40plus years in the music industry. places that you play where you get out there and you’re always feeling for the edges of the crowd. You’re trying to figure out who’s there.

“I’m constantly having my road manager out eavesdropping in the lobby. These people [in Tucson and Phoenix] are musically educated. I can do a little more nuanced show than other places. It’s a great thing, as a performer, knowing you can stretch a bit.”

Expect to hear a bit of the Hill songs when McCutcheon plays Arizona.

“I’m really proud of how it [the album] turned out,” he said. “There are certain songs connected with me that people want to hear. I’ve got certain things I’m required to do, but I’ll do some.”

It’s albums like “Joe Hill’s Last Will” that keeps him charged up.

“I wake up every morning and I have new challenges,” said McCutcheon who, in other cities, is performing a one-man play about Hill. “I’ve never acts in my life, so I thought, ‘I’m going to try this.’ It’s really hard because I’m the only guy on the stage. It’s not like another actor can throw me the line if I get lost.

“Basically, I wake up every day and I can’t wait to do my job.”

John McCutchon performs Friday, Nov. 13, at Javarita Coffeehouse at Church of the Good Shepherd, 17750 S. La Canada, Sahuarita.

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November 2015 : : Lovin’ Life After 50 : : page 29

Legal Matters

It’s the one legal service we’re all likely to need. So why do aging adults put off talking to an elder lawyer? By Jimmy Magahern

S

tephanie Bivens doesn’t like the term “elder law,” even though she’s recognized as a leading specialist in the field and is fre uently called to discuss the topic with the State Bar of Arizona and the Maricopa County Bar Association.

“The term ‘elder law’ is a terrible name for my practice area, because nobody ever wants to think of themselves as ‘elder,’” said Bivens, who’s a young-looking 48 herself, born roughly at the tail end of the baby boom. “That’s always 20 years ahead of where you are, right?”

Besides that, Bivens said, the term doesn’t even begin to describe what she does as a lawyer.

“Elder law is more defined by the clients we serve than the type of

law we actually practice,” she said.

“It’s really a lot of things: public benefits planning, guardianship and conservatorship, probate, estate planning, different areas of medical decision planning. At the end of the day, all I’m doing is helping people face the uni ue life issues they encounter as they age, whether it’s planning for their retirement, making sure their long term medical needs are being met or making sure that they’re leaving a legacy to their family.”

Additionally, what’s considered “elder” now, with many of us living long after retirement age, has greatly expanded in the 28 years since the founding of the National Academy of Elder Law Attorneys (NAELA), continues on page 32

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Legal Matters... from page 30 considered the formal start of the practice area.

“There are now four different generations in the aging category,” said Bivens, who’s been practicing elder law herself for 18 years. “There’s the old-old, which is the World War II generation. And then there’s the group just under them, which is the orean Conflict generation. They’re in their 70s or so. Then there are the Baby Boomers who are in their 60s, and then there are the new Boomers, the ones who are just in their late 40s and 50s. And each of those subsets have different characteristics, each generation has different values, and kind of different perspectives in the way they look at things.”

Bivens said those values come out in the specific areas clients ask her to focus on, and the concerns they express over aging in general.

“My World War II clients really want to leave something to their children.

It’s important to them, it’s a core value.

They went through the Depression.

They know what it was like to go without. And so they’ve scrimped and

saved, a lot of them. They may only have two nickels to scrape together, but it makes them really happy to know those two nickels are going to go to their children. But the younger Boomers, like me and my husband, you know, our kids are going to be lucky to get anything, right?” she said, with a hearty laugh. “Every group is kind of different.”

Bivens also notices generational differences in the concerns her clients express regarding long-term health care planning, another key focus area of elder law.

“I think the younger Boomers are going to embrace assisted living and active community retirement life, whereas the much older group really don’t want to leave their homes,” she said.

“And part of it is they have those negative stereotypical thoughts about the nursing home. You know, their parents, when they got too ill or feeble to live at home, went to a nursing home, because that was the only care center that was available. But today, very few people live in nursing homes,

they’re really rehab now.

Most people will age and die in place at assisted living. Even people who have very advanced Alzheimer’s most often do not end up in skilled nursing facilities, they go to memory care units.

So we have such better choices in delivery of care through end of life than we used to.”

One thing that holds people back from seeing an elder care lawyer, though, Bivens said, is simply accepting the fact that they’re now part of that “elder” group.

“Isn’t it kind of offensive that we’re approaching Attorney Stephanie Bivens said she thinks younger Boomers are the age where we could going to embrace assisted living and active community retirement be considered ‘geriatric’ life. the number of people aged 65 and at an inpatient psychiatric hospital?” she added, with a self- older is expected to more than double conscious chuckle. “I’m like, ‘What?’” to 92 million and the number of people aged 85 and older is expected to triple to 18 million, according to figures from Shades of gray Despite the growing need for elder the 2015 White House Conference ...continues on page 34 care lawyers over the next 50 years,

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(480) 300-5203 November 2015 : : Lovin’ Life After 50 : : page 33

Legal Matters... from page 32 on Aging—there are surprisingly few attorneys certified to practice in the field.

While there are around 4,500 NAELA members nationwide, only about 400 have been certified by the National Elder Law Foundation (NELF), the sole national certifying program for elder law and special needs attorneys.

In Arizona, there are only five practicing Certified Elder Law Attorneys (CELA) in the entire state: Bivens in Scottsdale Catherine Leas in Sun City and Robert Fleming, Ben Burnside and Craig Wisnom in Tucson.

Burnside and Wisnom, who both practice at the firm of Bogutz Gordon PC, headed by NAELA co-founder Allan Bogutz (who now counsels) and retired CELA Craig Gordon, say part of the reason they have so few peers is that it’s hard to become certified in the field.

“It’s kind of an arduous process to go through,” said Burnside. “It re uires a documentation of all the work that you’ve done in this area.”

“ ou have to list, just for the application, 50 examples of applicable cases in different categories,” added Wisnom, “and you have to take a pretty rigorous closed-book text covering all the topics we deal with.”

Those topics include setting up trusts, dealing with public benefit programs and a lot of estate planning, with a focus on aging and incapacity, including the often uncomfortable subject of end-of-life planning: drawing up wills, designating powers of attorney and such.

“It’s one area of law that, in the end, people really can’t avoid,” said Wisnom, accounting for the growing demand for elder lawyers as the majority demographics age.

“A lot of it is trying to deal with incapacity, and practically speaking, the issue is if you or a loved one can suddenly no longer make financial decisions, or medical or personal care decisions, how do those get handled?”

In a best-case scenario, people plan for those eventualities in advance, setting up powers of attorney and trusts while they’re still completely competent.

Bivens recommends that anyone over 18 should already have a plan in place in case they become incapacitated, and elder lawyers also help younger people with disabilities. ften, however, people put off doing those things until there’s a crisis—a parent succumbs to Alzheimer’s or suffers a debilitating stroke and then the family has to hire an elder lawyer to go to court and get one of the offspring appointed as a guardian or conservator to handle financial decisions.

“It’s always more expensive and more time-consuming than it is when people plan in advance,” Wisnom said.

As for who pays for the elder lawyer, that’s usually the parents needing the care.

“There are cases where the adult children will pay for our services,” said Bivens, “but usually it’s mom’s and dad’s money. Unless mom and dad don’t have the funds and the children just need legal advice and help. And sometimes they have parents who have the funds but the kids are like, ‘ ou know, mom and dad, this is our idea, let us pay.’ But the parent is still the client in that case.”

Insurance will usually not pay for

Benjamin Burnside practices elder law. elder law services, but a skilled elder lawyer can help clients get on the Medicaid-funded Arizona Long Term Care System (ALTCS), which will pay for home health care or assisted living all the way up to skilled nursing an available benefit that’s often missed by those who try to handle long-term care planning without the services of an elder lawyer.

“I see married couples who have been paying a year or more for care for mom and dad, and they finally come in to see me because they’re going broke,” ...continues on page 36

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Place peeled potatoes in a large bowl. Using a mixer, beat at medium speed until smooth. Add granulated sugar, evaporated milk, 3 Tbs melted butter, 1/2 tsp salt, 1 tsp cinnamon, 1/4 tsp nutmeg and 1 tsp vanilla.

Add eggs and beat well. Coat a 13 x 9” baking pan with cooking spray and pour potato mixture into the pan.

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Legal Matters... from page 34

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Bivens said. “And I have to tell them that if they came to see me when they were first paying for care, I could have gotten them on ALTCS and saved a lot of their estate and assets with good long term care planning. Those cases are really sad to me.”

Burnside and Wisnom said they get sad when they see people who go on websites like Legal oom.com to prepare their own wills and living trusts but miss crossing the t’s and dotting the i’s, rendering the documents useless.

“A classic example we saw this week was somebody who typed up a sixpage will,” said Wisnom. “They typed everything up very explicit and very clear, there was no uestion what they were trying to do, but because it doesn’t have a couple of legal formalities like witnesses, it’s completely ineffective.

Everybody knows what they wanted, but there’s no way under the law to make it happen. Sometimes people trying to do things themselves to save a relatively small amount will end up completely blowing their estate plan. And that’s always sad to see.”

Family feuds When elder law issues really get costly is when family members can’t agree on what to do with their aging parents or their parents’ money.

“The worst thing is when people involved in the situation don’t get along,” said Wisnom. “ ou know, when mom or dad needs care and needs someone to make decisions and you get siblings who’ve been mad at each other since they were kids and now they’re in their 50s or 60s fighting over what to do with the parents. There’s nothing you can do to eliminate that problem. If you have family members that want to sue each other, there’s very little you can do to avoid that. It’s exponentially more expensive and time consuming when the people involved in the situation want to fight about things. Because the court is never an efficient way to resolve these types of disagreements.”

Burnside said elder lawyers will sometimes work with family counselors to uell disputes or appoint a third party to act as agents or trustees. “Sometimes that avoids putting one family member in that position where you know there’s going to be tension,” he said.

Other problems arise when the wrong family member is put in charge of the

decision-making. “People have to be very careful when they’re planning to pick the best person for the job,” said Wisnom. “When they’re choosing who will be their agent under a power of attorney or their trustee, they really need to realize that’s a job. It’s not an honor.

Being a beneficiary and getting money when someone passes, that’s the better role to be in!”

“It’s a big job, and there’s a lot of responsibility,” agreed Bivens. “And if they do something wrong, they can get into some serious legal trouble. If a family member is in a position of trust and confidence to a vulnerable adult, and if they in some way misuse the assets, they can be found civilly responsible of financial exploitation, which not only has civil fines imposed but also potentially disinheritance.” In such cases, an elder lawyer can also help defend the trustee.

Because there’s inevitably so many family dynamics to deal with in elder law, attorneys need to have excellent people skills in addition to their legal chops. A simple dry understanding of trusts, estates and Medicare legislation isn’t enough.

“We’re very different than most attorneys,” said Bivens. “In a lot of other areas of the law, it’s about contracts, it’s about the litigation, it’s case law and it’s based on statutes. We’re not just dealing with statutes. We’re dealing with human beings. We’re concerned with their comfort and retirement, their medical needs, their uality of life, their independence, their dynamics with their family, the legacy they want to leave, what’s important to them. Our goal is to make them comfortable in knowing, in an uncertain future, that they’ve got people that are there for them, and everything’s in place.”

It helps that many elder lawyers have parents that they’ve had to secure care for themselves. In Bivens’ case, her compassion for older adults started at an unusually young age.

“I grew up very close to my grandmother, and my grandfather was actually 20 years her senior they were uite the thing in the day ” she said. “So I just grew up thinking it was normal to hang out with people that were much, much older than me.

“I think that’s why I love the clients I work with,” she added. “It’s been the perfect fit for me.”

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Sell life insurance policy to receive cash M

ore than 43 million Americans over the age of 65 may have access to a source of income they never knew existed their life insurance policy.

Access its value The way to realize its value is through a process called a “life settlement” that is, the policy owner may be able to sell a life insurance policy that is no longer needed or affordable before it lapses or is surrendered to the insurance company. The owner can immediately receive a cash payment for the sale of the policy.

can contact a licensed life settlement professional who is a member of the association and is subject to a vetting process.

Learn more at website LISA has just launched a new website, www.lisa.org, which provides an introduction to life settlements, delivers detailed content to financial advisers regarding how life settlement

transactions work, and offers a wide range of information resources for anyone interested in learning more about the life settlement option.

For more information and to find a LISA member, go to www.lisa. org or call (800) 6649024.

How much can be received Policy owners realize an average of seven times the amount of the policy’s cash surrender value, based on an analysis of a 2010 survey by the U.S. Government Accountability ffice.

Candidates for life settlements are typically aged 70 or older, with a life insurance policy that has a “face value” of more than 100,000.

Why sell Reasons to sell can include changes in life circumstances, such as the death of a spouse, divorce, selling a business or simply to access more cash. Research indicates there are roughly 710,000 policies that are lapsed or surrendered each year with a combined face value of more than 57 billion by American seniors over the age of 70.

Get help While 90 percent of seniors who have lapsed a policy would have considered selling it if they had known a life settlement was an option, according to a survey prepared for the Insurance Studies Institute, most just don’t know about it.

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November 2015 : : Lovin’ Life After 50 : : page 37

Quick Draw eases the stress of lab work with home blood draws :: by Kenneth LaFave

G

etting blood drawn for a lab test sometimes proves the old adage: The cure can be worse than the disease.

For elderly patients in particular, an uncomfortable trip to a lab often many miles away, followed by a long wait in the lobby and an exhausting trip home can leave the patient feeling much worse than when the day began.

“I have a 99-year-old father and I understand this,” said Glenn Welstad, an Arizona entrepreneur known mostly for companies he founded in the arena of temporary industrial staffing.

“You just can’t make it into the lab that easily when you’re very old, or when you’ve just had surgeries. I decided something should be done about it.”

As a businessman, Welstad knew how to make that “something” happen. Last year, he started a new business called uick Draw Mobile Blood Draw Service.

“Technically, the way it works is, the doctor prescribes the blood work, and indicates on the prescription that you are immobile, for whatever

reason,” Welstad explained.

The patient’s immobility may have to do with age, but it can also be the result of other factors.

“If your leg is in a cast,” Welstad said, “you ualify for uick Draw.”

The prescription is faxed to uick Draw, and arrangements are made for ualified medical personnel to come to the patient’s home or care facility and draw blood. If uick Draw is contacted by 3 p.m., the company calls the patient or the patient’s caregiver that day to make an appointment. Contact made after 3 p.m. is handled the next business day. uick Draw serves 55 communities in Arizona, including the entire East Valley.

How does it manage to dispatch medical personnel to literally any address it is given?

“We have phlebotomists scattered all over the state,” Welstad said. Locate the patient’s IP code, find the nearest phlebotomist, and the deed is halfway to being done.

The vast majority of uick Draw’s clientele are elderly, with almost all

of them on Medicare or Medicarereplacement insurance. The service incurs no additional expense for patients on Medicare.

About a million people in Arizona ualify for Medicare, Welstad pointed out.

“It’s a pretty big plate. n top of that, 10,000 people per day are turning 65, and 4,000 per day are turning 85. When you’re 85, you can’t go to the lab and wait

for two hours to have your blood drawn.”

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page 38 : : Lovin’ Life After 50 : : November 2015

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Getting the most out of your health insurance

H

ealth insurance often represents one of the largest budgetary expenses of a household.

Therefore, you should understand your benef its in order get the most out of them. By utilizing your health insurance to the fullest you may f ind ways to save money and improve your health. Listed below are some suggestions to maximize your health plan benef its.

90 Day Prescriptions: Oftentimes, f illing a 90-day supply of your medications is less expensive (lower copay) and more convenient (saving you monthly trips to the pharmacy) than f illing a 30-day supply. A lot of insurance plans allow 90-day f ills; ask your Walgreens pharmacy staff if this is an option under your plan.

Generic Prescriptions: Choosing generic over brand-name medications leads to savings! Generic drugs are copies of brand-name drugs and are the same in dosage form, safety, strength, route of administration, quality, performance characteristics and intended use. In fact, the U.S. Food and Drug Administration (FDA) requires that generic medications have the same quality, strength, purity and stability as brand-name drugs. When it comes to price, however, there is a big difference. On average, the cost of generics is 80 percent to 85 percent lower than brand-name medications. Therefore, if you are on a brand-name drug, ask for the generic the next time you visit your pharmacy. Even if you are on a brand-name medication that does not yet have a generic, your pharmacist can recommend a switch to a generic drug within the same medication class.

Immunizations: Although most people do not look forward to getting immunizations, doing so may save you time and money. Take for example the f lu vaccine, most plans cover the cost as a preventative service; hence, you are able to receive it for a zero copay. If you do not receive the vaccination, you are at an increased risk for getting the f lu which can lead to missed days at work and a visit to your doctor.

By getting your f lu shot, as well as other immunizations, you are pre-

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venting serious complications and potential hospitalizations which will end up saving you money in the long run.

Medicare Open Enrollment: Medicare open enrollment ends on Dec. 7. Therefore, now is the time to reevaluate your plan options to f ind a Medicare Part D plan that covers all of your medications at the lowest out-of-pocket cost. Switch-

ing plans may lead to less expensive premiums, deductibles, and/ or medication copays. You should thoroughly research all of your options to see which plan will save you the most money. HealthPlanOne is a licensed health insurance agency that can help you evaluate and compare Medicare Part D plans and help you enroll—for free. You can receive their free expert advice

by calling (888) 395-0324.

There are a variety of ways to get the most out of your health benef its. Perhaps you may have further questions or concerns in regard to maximizing your insurance benef its. Talk to a Walgreens pharmacist today to help you research ways to get the most out of your insurance and improve your health!

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.

November 2015 : : Lovin’ Life After 50 : : page 39

Like what you see?

Coming Next Month:

home

Good Sauce

T

he weather is cooling down. Time to get pots of goodness simmering on the cooktop again, and that means pasta sauce.

I’m wearing my Italian heart on my gravy-stained sleeve, but in my opinion, if you you’re going to be Italian (or an Italian wanna-be), you’ve got to have a recipe for “good sauce.” That rich, red, ragu that Italian mommas and nonnas have been simmering on the family stove for decades.

When my Venetian mom and I finally committed to writing our heritage cookbook, her simple and savory meat sauce was where we began. It takes only about an hour, and you’ll talk about it for years.

Real Estate

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PUBLISHING DECEMBER 2015

Issue focused on the real estate market for the after-50 community, including but not limited to buying/selling a home, various mortgage products and independent senior living choices.

This is a great opportunity for those in the real estate or related professions.

Advertise your listings and move-in specials in this great annual issue.

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:: by Jan D’Atri Another recipe especially for those great family Sunday suppers is Grandmother Leonora Albertelli Lagori’s slow-cooked pork shoulder sauce.

In an email, her grandson Michael John Lagori reminisced about longing for his grandma’s gravy.

“When I was a little boy, she always had the sauce cooking on the stove, and made raviolis to go with it once a year at Christmas. h, that was a good day ” That pretty much paints the picture, Michael. Make a good sauce, and you’re going to have a good day. Thanks to my momma and Michael’s Grandma Leonora for helping us to fill our heavyduty stockpot full of the heart and soul of Italian cooking.

Momma D’Atri’s Meat Sauce 3 tablespoons olive oil 1 large sweet yellow onion, diced 4-5 cloves fresh garlic, minced 2 stalks of celery, diced 1 large carrot, diced 1 packet (1 oz.) porcini mushrooms, reconstituted in one cup hot water then chopped fine 1 pound of fresh ground beef 1/2 pound Italian sausage (sweet or hot) 2 cans (16 oz.) organic tomato sauce 1 can (6 oz.) organic tomato paste 2 cups chicken or beef broth 1/2 cup red wine

2 tablespoons fresh basil, finely chopped Salt and pepper to taste (add only at the end of the cooking process) In a Dutch oven or heavy stockpot, saut onion, garlic, celery and carrot in oil until translucent. Add beef and sausage, cooking until golden brown.

Add wine, mushrooms (including mushroom water), tomato sauce, paste, broth and basil. Cover and simmer for about 30 minutes. Remove lid and simmer for another 30 minutes or until thick. Don’t burn sauce.

Grandmother’s Pork Shoulder Sauce Sauté: 1 stick (1/2 cup) butter 1/2 cup green onions, chopped 1 large celery stalk, chopped 1 large carrot, chopped 1 tablespoon garlic, chopped Add: 1/2 cup red wine Reduce and brown.

Add: 1 pound cubed beef 1 1/2 lbs. cubed pork shoulder 1 cup chopped Portobello mushrooms 6 medium vine-ripened tomatoes or 1 large (27 oz.) can tomatoes

2 small (10 oz.) cans tomato sauce 1 small can (6 oz.) tomato paste 3 small yellow onions, whole and skinned Cover and simmer for one hour.

Add: 2 cups water or broth 3 garlic cloves, whole 2-3 bay leaves 2 teaspoons each: fresh basil, oregano and rosemary Simmer 2-3 hours. Bring to boil and stir in 1 4 cup cornstarch. Add salt and pepper to taste. Don’t skim too much of the fat.

Check out www.jandatri.com for great recipes, stories and cool places we’re visiting! Come back often! www.lovinlifeafter50.com

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November 2015 : : Lovin’ Life After 50 : : page 41

Sound Off

... from page 9 It is insane and dangerous to all they flooded last year? What did they do?

Americans to bring thousands They built in the same area. Whatever upon thousands of so-called happened to common sense?

Syrian refugees into our country. The majority are middle-aged men. They I was very surprised to see on the have been infiltrated by ISIS. We are 19 Fox cable news channel an ad trillion in debt. Cities and states are banksupporting the override of the rupt. We don’t have jobs for our own Peoria school district. Who paid for this people. Who is going to support these ad? If the Peoria school system has the people? Let’s put a stop to this insanity. money to sponsor an ad on a major TV channel and put signs all around the uestion: Why is suddenly all town, they don’t need any money from the runoff water from mines the taxpayers. toxic? Wasn’t it toxic before mines were dug? Doesn’t nature take I just called the Washington, place of this?

D.C., office of Harry Reid. His staff member hung up on me.

I have a question for Hillary Aren’t our elected representatives supClinton and Bernie Sanders, posed to listen to the American people? who support free college for all They say they’re so concerned. That’s a Americans along with free health care, lie. Harry Reid does not want to hear free everything. Because our country is what the American people say. Shameful.

19 trillion in debt and growing, how do He needs to be thrown out of the Senate. they propose to pay for all this free stuff ?

Millions of Americans would like to Biden and Ryan are the only two know. Please tell us. common sense politicians still in Washington. Vote them in.

The direction this country is Write them in. I’ve given up on all the headed should strike fear in the Bush and Clinton dynasties. Vote Biden heart of every Christian, espe- and Ryan. Common sense Americans— cially knowing the Muslim religion be- it’s what we need more of. lieves if Christians cannot be converted, they should be wiped completely out.

Shame on those catty, claws-out Republican women and their personal questions, trying to disU.S. troops have been deployed to fight African Islamic terrorist miss Clinton (as someone) who’s a nobody groups, groups Hillary Clinton who doesn’t care. As a lifelong Republican, says weren’t a terror group. Do we really it’s enough to turn me into a Democrat. want this woman to be president, after having an unsecured email account, The Democratic Party has gone which more than likely was hacked into from representing the working by our enemies? This woman is not caman to representing the lawyer pable of being president of the United class, the political and government activStates. ist and the foreign businessman.

The Sound Off comment regarding the Koch brothers is full of lies. Just because Harry Reid or Bernie Sanders make accusations against the och brothers doesn’t mean it’s correct. Democrat lemmings believe everything. They don’t seem to be concerned about the billionaire George Soros, who funds so many left-wing antiAmerican websites and organizations.

How about learning about George Soros, Democrats?

Amazing. Are you watching the TV news about the flooding of the washes, in the same spot

I would like to respond to the reader who wrote, in the ctober Lovin’ Life, about “the epitome of pharmaceutical stupidity” concerning directions for applying a gel. I am a retired pharmacist and am very familiar with these instructions for topical medications. He she wrote that it was “dumb” to have instructions about applying a “pea-size” amount of gel. He she goes on to say these instructions were “more than amazing it’s pure insanity.

Ripoff.” Exactly how would this reader like to have the instructions read? Many of the gels, ointments and creams using instructions like “pea size” contain very

page 42 : : Lovin’ Life After 50 : : November 2015

potent drugs. Many of drugs are chemotherapy drugs used to treat skin cancers.

Others are used to treat acne and other skin conditions. If applied excessively they can cause serious and very painful side effects. 1 have seen some horriblelooking cases where topical medications had been applied wrong. As directed by the pharmaceutical company, the pharmacist will place re uired language in the instructions and will counsel the patient on the proper use of the medication. The pharmaceutical companies have determined the safe dose for a drug and what amount of gel contains the safe dose. We (pharmacists) have to use instructions that can be understood by everyone. This includes the elderly, young, literate, illiterate, patients who don’t know a lot of English, etc. Most everyone can be instructed as what a “pea size” amount is Some gels will supply a plastic measuring stick to use with instructions such as: apply a 1-inch ribbon of gel. The patient will s ueeze out a 1-inch ribbon of gel on the stick. There is nothing dumb or stupid about these instructions. The only dumb or stupid thing would be if you don’t follow these instructions.--Bob I would like to reply to the reader who had a reply in the ctober Sound Off. He/she claims to be a patriotic, conservative American who is delighted to note that 90 percent of the responses in the Sound ff were by conservatives. Then he/she goes off the track to say that liberals and Democrats are, for the most part, politically uninformed, misinformed, naive and gullible. This “mouthbreather” probably gets all his/her information from Fox News, Rush Limbaugh or the Drudge Report. Listening to these guys will certainly qualify you to be fully informed and up to date with all the current worldwide news ou mention being gullible. ikes Maybe you haven’t read about survey after survey that show that people listening to Fox are the most uniformed and misinformed people in the country.

These surveys all show Fox followers are less informed than people who listen to or watch no news I’ll match knowledge with you any day. Luckily, I have a lot of conservative friends who I can have an intelligent conversation with.

Drew Alexander’s rant about abortion might be more believable if people like him were

more concerned about the welfare of children after they are born. Conservatives consistently vote against programs that provide schooling for children, medical care and other programs that help the public . If only he were more concerned about children not having enough to eat or being abused by parents who don’t want them, then there might be some substance to what he has to say. Interestingly enough, conservatives of his ilk do become more interested in children when they turn 18 and can go to war. Utterly pathetic.

Red light cameras should be banned and yellow light cameras, too. I was flashed once.

About a month later, I received a bill for 337 to pay or else. Another person only had to pay 250. He was younger than me. I also received a picture showing a red light for thru traffic, my car making a left turn, a left-turn yellow arrow, and an 85-year-old woman. Bullying isn’t limited to school yards.

In my view, people should not defend Islam until they have read the Quran and have some knowledge of Islamic history. When they make statements supporting Islam without this background information, it gives the impression the information is bogus.

If they want to sound like they know something about Islam, do the homework.

The Arizona Historical Society, now a state agency, proudly boasts that it was founded in 1864. Unfortunately, the claim is not true. An organization called the Arizona Historical Society was established in 1864 by the first territorial legislature in Prescott, but it faded into oblivion in the 1870s. The first AHS had no known connection to the present-day AHS which was founded in Tucson in 1884 by Charles D. Poston. When established, it was named the Society of Arizona Pioneers, and it was primarily an elite social organization that excluded many people.

The name did not become the Arizona Historical Society until nearly a century later. If the present-day AHS cannot even properly interpret its own history, why are Arizona taxpayers giving it millions of dollars per year to preserve Arizona history? Dick immermann, Tempe

www.lovinlifeafter50.com

Bear Market Report When will the volatility end? : : by Teresa Bear

A

few years ago I had the opportunity to visit my childhood elementary school. I attended this school from third to fifth grade and hadn’t been back since. Finding it was a bit of a treasure hunt because it was no longer an elementary school but had been repurposed as a preschool. I knew I found it when I saw the windows and remembered all the natural light that streamed into the classroom on sunny days.

Memories are a funny thing. Like a prism, they can be distorted by the passage of time—and perspective. For instance, I am positive that my old school building did not shrink in size but it somehow seemed smaller.

So in the grown up world of investing, is the market more volatile than in the olden days—or is it in our perception?

As walking the halls of my elementary school indicate, there’s a difference between absolute and relative size. The building walls are the same height that they were in the ‘60s, but I’m taller.

The stock market is the same. If the Dow dropped 400 points in one day in January 1970, that would have been a 50-percent decline. However, when the Dow dropped 586 points on Aug. 24, it was only a 3.56-percent drop (even though it felt like more).

However, even when adjusting for percentage drops, the bad news is that the market is indeed more volatile than in the past.

As I poured over the data, I identified what I call Dow Downer Days drops of 3 percent or more. In the postwar years from 1950 to 1970, there were only nine days in 30 years that the market dropped more than 3 percent. Con-

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trast that to today. From January 2010 through August of 2015, there have been 11 such drops. This doesn’t even count the so called dismal decade that saw both the dot.com crash and financial crisis of 2008 and 2009 in which there were 43 Dow Downer Days.

So what happened? When will we return to the “Good old days” when the market was less volitle? In my opinion, there are four major drivers of this increasing volatility.

Instead of dancing around a maypole, on May Day of 1975, the SEC deregulated the brokerage industry allowing for market forces to determine trading commissions. Instead of paying hundreds of dollars to buy or sell a block of stock, now investors pay about 10 per trade or less.

Naturally computerized trading has had a huge impact. The idea phoning your broker, who places the trade, which gets executed on the floor of the stock exchange, seems almost quaint.

One of biggest challenges are the highfre uency trading firms who charge in and out of markets in fractions of a second based on sophisticated computer algorithms. This lead to the May 6 Flash Crash of 2010, in which the Dow dropped almost 1,000 points in minutes.

Another factor is the disappearance of the company sponsored pension plans which have been largely replaced by 401(k) plans.

Instead of a pension and a gold watch, employees are given an 800 number and a PIN. Experienced professional pension managers have been replaced with a robo-adviser.

And finally, I believe the media exacerbates these factors. By yelling “The Sky is Falling, the Sky is Falling” 24 hours per day 7 days a week, investors are more likely engage in emotional investing.

Regrettably, I don’t see that any of these four factors are ever going to go away. The volatility genie is out of the

Teresa Bear, CFP CPA (www.TeresaBear.com) specializes in retirement planning and asset preser-

vation for retirees and those about to retire. Teresa is the author of the book “She Retired Happily Ever After.” Send questions to Teresa@TeresaBear.com or call (480) 503-0050. Investment advisory services provided by Brookstone Capital Management LLC., a SEC registered investment adviser. Brookstone Capital Management and Teresa Bear LLC are independent of one another.

Neither the author nor the publisher is engaged in providing accounting, legal, investment, or other professional services through the publication of this article—you must seek competent, professional representation for your personal situation.

Aging Today

... from page 12

bottle and I don’t think there’s any way to stuff him back in again.

The best protection is kind of old fashioned. Make sure that you balance your needs for growth, income and safety in a way that allows you to sleep at night.

Beyond that, in the words of Bette Davis, “Fasten your seat belts it’s going to be a bumpy night.”

givers they know. Remember it is a part of our heritage and the American spirit.

During your upcoming Thanksgiving holiday, take note of your own family, look around the dinner table and see who in your family is making this ultimate sacrifice. We all have a lot on our plate with our own lives, reaching out and letting them know that you are here to help and listen is a good first step. The second step is not to wait, offer your assistance, and if they say no—then insist on it.

Have a Happy Thanksgiving and a special thank you to all of the family

caregivers out there that are doing the hard work day in and day out truly this is a labor of love. ou guys are our unsung heroes and personally I think you rock.

Bob Roth is the managing partner of Cypress HomeCare Solutions. He and his family have been providing caregiving and caregiving resources to the Maricopa County region since 1994. Roth also hosts a radio show, “Health Futures—Taking Stock in You,” found on KFNN Money Radio 1510 AM and 99.3 FM on Fridays at 12 p.m. He can be reached at bobroth@ cypresshomecare.com or call him at (602) 264-8009.

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The opportunity to get a Reverse Mortgage in Arizona has never been better. This is great news for seniors in Arizona, because they have Arizona’s #1 Reverse Mortgage Banker, as a trusted local resource. Sun American Mortgage Company has helped thousands gain financial freedom through a Reverse Mortgage, and they have a track record of satisfied customers. Sun American Mortgage Company is a locally based and locally owned mortgage banker. In fact Sun American Mortgage Company has been helping seniors in Arizona for over 50 years. It’s never been easier to qualify for a reverse mortgage and for seniors to get more money in their pocket. With rates and costs at an all-time low, more money gets put back into the hands of those who qualify. The Reverse mortgage is a Federally Insured Program available to anyone 62 or older with Equity in

their home! You get to keep your home, keep the title in your name, and use the funds for whatever you want. Without ever making another Mortgage Payment! It’s an extremely smart addition to any Financial Plan. Instead of the homeowner writing a check to the bank each month, the bank now pays the homeowner who can elect to receive a lump sum, a line of credit or monthly payments.

Parker Turk, from Sun American Mortgage Company explained more about these savings. “The new calculations allow more seniors to qualify for a Reverse Mortgage. Over the past 12 months, many people that have called seeking financial relief just didn’t have enough equity in their home, but with the new government changes people are revisiting a Reverse Mortgage as an option and are finding out they now qualify.” If anyone is considering a reverse mortgage, it

is recommended that you consult with a local expert and a licensed CPA. Sun American Mortgage Company is Arizona’s Largest Reverse Mortgage Banker and are willing to come visit you in your home for a FREE No obligation In-home appointment to see if a Reverse Mortgage is right for you!

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This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA).

November 2015 : : Lovin’ Life After 50 : : page 43

Naturopathic News How much sugar are you consuming? : : by Crystal Baus

D

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page 44 : : Lovin’ Life After 50 : : November 2015

id you know the average person consumes an estimated at 150 pounds of sugar per year? The USDA recommends we get no more than 10 teaspoons per day, yet most Americans eat about 30 teaspoons per day that’s three times the liberal recommended daily value.

Today, sugar is found in many of the usual suspects, like cakes, cookies and candy. But it’s also coming from “healthier-sounding” packaged products like salad dressing, pasta sauce, yogurt, canned vegetables, baby food, cereals, peanut butter, bread and tomato sauce.

We don’t always realize it because there are so many names used to describe sugar. It is often disguised in a confusing language such as corn syrup, dextrose, maltose, glucose or fructose.

Eating a diet high in sugar is what makes us feel lethargic, moody, irritated and exhausted. And most of all, it can lead to disease.

People love sweet things. Even before we started refining sugar, we sought out foods with sweet tastes. Sugar is a simple carbohydrate that occurs naturally in foods such as grains, beans, vegetables and fruit. Refined table sugar, also called sucrose, is very different. Extracted from either sugar cane or beets, it lacks vitamins, minerals and fiber, and thus re uires extra effort from the body to digest. The body must deplete its own store of minerals and enzymes to absorb sucrose properly. Therefore, instead of providing the body with nutrition, it creates deficiency.

Health-conscious people are aware that their blood sugar levels fluctuate wildly on a sugar-induced high, but they often don’t associate the emotional roller coaster ride that accompanies this high. We feel happy and energetic for a while and then suddenly, unexplainably, we find ourselves arguing with a friend or lover.

Sugar ualifies as an addictive substance for two reasons: 1. Eating even a small amount creates a desire for more.

2. Suddenly uitting causes withdraw-

al symptoms such as headaches, mood swings, cravings and fatigue.

A study in the Journal of the American Heart Association found that excess sugar increases the risk for heart failure. In addition to heart disease, a diet high in sugar can cause obesity, hormone imbalances, liver damage, cell aging, memory loss and more.

What happens when you reduce your sugar intake?

Within a few weeks’ of reducing your sugar intake it’s likely you will see a 10 percent decrease in LDL cholesterol and up to a 30 percent decrease in triglycerides, while simultaneously improving your blood pressure. This is because added sugar chronically raises insulin levels, increasing blood pressure and your heart rate. nce you’re over your sugar fix, you’ll feel better than ever. People who have a diet high in added sugars and refined grains are more likely to experience anxiety, irritability and mood swings. ou should be more awake and alert during the day, and also better prepared to catch some z’s come bedtime. People usually crash from the sugar high that leaves them feeling the mid-day sluggishness and the need for a nap.

Scaling back your sugar habit by 200 calories a day could help you drop 10 pounds in five to six months. Replacing candy and cakes or sugary protein bars with almonds or other real health snacks, will help you reduce your overall calorie intake.

Lastly, you will reduce inflammation in your body. Foods high in sugar spur inflammation. Chronic inflammation is the root cause of many diseases.

Quick tip: tart cherries have one of the highest anti-inflammatory content of any food.

Crystal Baus is an integrative health coach for HealthStyles 4 You, and a marketing contractor for the following industries: Health and Wellness, Naturopathic Practices (including Chambers Clinic) and Signage & Digital Graphics. Baus can be reached at cbaus@ healthstyles4you.com, or www.healthstyles4you.com.

www.lovinlifeafter50.com

Giving the gift of great memories

F

or birthdays, anniversaries, and holidays like Christmas, the best present is often one that makes loved ones feel more connected, especially when they’re miles apart.

Memories new and old are the glue that holds relationships together and are often the most appreciated kind of gifts. When someone gives a loved one a movie ticket stub from a first date together or pass down a family heirloom to a child, those gifts come with greater meaning than the gifts themselves. They demonstrate how much a special someone’s presence is cherished.

Something as simple as a photograph can bring people back in time to a wonderful memory a wedding or a child’s birth, all the way to his or her graduation. Photos can help people relive the past, but they also help to stay in the present. When loved ones can’t attend notable occasions such as their grandson’s first day of elementary school or their niece’s prom, photos allow them to feel as if they’re physically there witnessing the events unfold.

inlifeaft www.lov

Instantly share moments People can e-mail photos to family and friends one by one, or post images on their social media pages, but what if those photos could appear instantly in the homes or offices of loved ones?

They can be surprised now and then with full albums of photos, either to be reminded of great times shared together in the past or to get the inside look of an event they couldn’t attend.

There’s an ingenious device that updates pictures. Wi-Fi cloud-connected photo frames are a fast-growing solution that bridges busy lifestyles, technology divides and even geographies.

Called Nixplay, the frame comes with a mobile app for iOS and Android that anyone can download and use to instantly send photos to their own or friends’ frames, wherever they are in the world. The photo-sharing process is now fast and simple, allowing grandparents, friends and other loved ones to share memories on the go and stay connected.

Now, loved ones can get the gift of memories from the past and present,

er50.com

Phoeni

as well as the comfort of knowing that they’ll continue to receive precious moments in the future.

Playlists for all occasions It’s also good news for anyone who has trouble managing a growing collection of photos scattered across different digital devices and online platforms. Nixplay allows users to access and organize everything in one location, and pull images to send from Bring family and friends closer by seamlessly places such as Dropbox, Face- sharing photos from smartphones to elegant book, Instagram, Picasa and frames, at home or anywhere in the world.

Flickr which is especially The Nixplay Edge 8-inch and 13important when it comes to loved ones inch Wi-Fi Cloud Frames feature a who aren’t social media savvy. high-definition resolution display for Users can create and customize crystal-clear photos and videos, and playlists for a trip down memory lane. a power-saving HuMotion sensor that Photos can be added to these lists, and turns on the frame when you enter the sent to the frames of friends or rela- room. They can be set to display the tives who live far away. Ten frames can most recent photos first and turn off be connected to one account, and with when you leave.

10GB of free secure cloud storage, For information and to view a video there is plenty of space so users do not about the device, visit www.nixplay. need to worry about a lost moment. com.

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Health Trends 2013

The Real Bionic Man

Retiring in Style

Are synthetic joints actually outperforming the real things?

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nd Chances

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Organ donors giving the ...Page 26 starts Finish Line Newsletter

on page 37

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100 Years Young

Finish Line Newsletter starts on page 44

Valley centenarians share their stories. ...Page 28

www.LovinLife.com • (480) 348-0343 November 2015 : : Lovin’ Life After 50 : : page 45

Save the date for the East Valley Healthy Living Expo ::by Christina Fuoco-Karasinski

L

ovin’ Life After 50 is proud to once again host the East Valley Healthy Living Expo in conjunction with East Valley Adult Resources which comes to the Mesa Convention Center from 8 a.m. to 12 p.m. Thursday, Nov. 19. Admission is free.

Three years ago, Lovin’ Life After 50 partnered with East Valley Adult Resources to up the ante on expos.

“The partnership on this event we have with East Valley Adult Resources has worked out exceptionally well. There is so much more available and so many more new things to discover at the Healthy Living Expo,” said Lovin’ Life After 50 Publisher Steve Strickbine.

East Valley Adult Resources’ dy-

namic and diverse Active Adult Centers and Programs offer a variety of opportunities for older adults to remain healthy, independent and connected to the community. Whether it’s learning a new language, finding the right exercise class or simply sharing a meal, the ultimate goal is to be welcoming and fun.

More than 70 exhibitors will offer information on topics like tours and travel, retirement living, leisure, health care, finances, home repairs, education, casinos and more.

Back again for entertainment, the popular Rich Howard rchestra will play favorites as exhibitors browse the many attractions.

Bandleader Howard has been play-

ing piano since he was 7 years old, and studied drums in grade school.

When The Doors released “Light My Fire” in 1967, he traded in his drum set for an electronic keyboard and has been playing professionally ever since. n stage 300-plus days a year in the Phoenix area, Howard has also created the music and audio design for multiple shows. His passion is theater and he has penned both script and musical composition for multiple stage productions.

“My favorite pastime since 2006 has been developing a character from one of my shows named ‘Hank Plow,’” he says.

“A Google search for that name will bring up all the digital content I have

created and continue to compose.”

Publishing for more than 36 years, Lovin’ Life After 50 has become one of the most effective ways to reach the active 50-plus market in Arizona.

Due to the popularity of the publications and growing demand, 28 years ago Lovin’ Life After 50 began hosting expos—giving readers and advertisers a place to connect in person.

Since then, the expos have become a powerful way for exhibitors to show and explain their products and services to a ready 50-plus market.

See you at the expo The Mesa Convention Center is located at 263 N. Center St., Mesa, 85201. For more information, call (480) 348-0343, ext. 100.

Don’t let untreated hearing loss affect your emotions

::by Arizona Commission for the Deaf and the Hard of Hearing and Arizona Relay Service

I

s your hearing loss standing in the way of enjoying your family during the holidays? ou are not alone According to the American Academy of Audiology, more than 19 million Americans over the age of 45 experience some type of hearing loss. If left untreated, hearing loss can produce a variety of emotions such as depression, sadness, loss and loneliness.

However, if you recognize the signs of hearing loss early and take steps to improve the condition, the holidays with your family can be less emotional.

Why does hearing loss affect your emotional stability?

When individuals experience hearing loss, they can feel very isolated and as if they don’t belong. Living your entire life with your hearing and then feeling it slowly or abruptly fade can be a shock that takes time to get used to. If the hearing loss isn’t addressed, this experience can then lead to feelings of sadness, loneliness or isolation.

The American Academy of Audiology reported that seniors with untreated hearing loss report two more weeks of depressed or sad feelings than they did the previous year.

If you are diagnosed with a hearing loss but don’t wear your hearing aid or utilize other assistive technologies,

you’re more likely to skip out on social events and may feel isolated. It is completely normal at first to feel left out of conversations because you have difficulty hearing or to feel like you can’t contribute because you might not hear someone correctly. The key is not to let these feelings control you. If you recognize and take care of your hearing loss immediately, it will help prevent these feelings.

How can you prevent depression due to hearing loss?

While hearing loss can lead to feelings of depression, it doesn’t have to. If you are diagnosed with a hearing loss, there are plenty of ways to help solve the problem. The real problem exists if you don’t address it.

Get your hearing checked regularly Because hearing loss is at an increased level in seniors, it is important to get your hearing checked often.

The more often you get your hearing checked, the sooner you can detect loss.

As soon as you start to notice signs of hearing loss, such as having to turn up the TV volume or asking others to repeat themselves in conversation, make an appointment to see a hearing specialist.

page 46 : : Lovin’ Life After 50 : : November 2015

Take measures to improve your hearing If you are diagnosed with a hearing loss, do something about it. Take measures to find out if hearing aids are an option for you or talk with your doctor about other suggestions to improve your hearing level.

The worst thing you can do is to do nothing and think your hearing will improve on its own.

Don’t view hearing loss as a barrier A hearing loss shouldn’t prevent you from doing the things you love. If you take your hearing treatment seriously, you should be able to proceed with life normally, just with a few adjustments.

Utilize the resources available for those with hearing loss so you can get back to enjoying life.

Support groups, such as The Hearing Loss Association of America (HLAA) www.hearingloss.org or the Association of Late-Deafened Adults (ALDA) www.alda.org, can connect you others who share the same experience for support.

If you’re experiencing hearing loss at any level, the best thing you can do is to take care of it as soon as possible. Don’t

let it get the best of your emotions and your holidays.

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

Tips for a person with hearing loss to communicate during the holidays Communicate with friends and family about the best way to communicate with you Anticipate difficult situations and plan how to minimize them. If in a noisy environment pull the person aside for a one-on-one conversation Set a time limit so you don’t become exhausted and unable to handle the situation Pay attention and concentrate on the speaker Look for visual clues and ask for written cues if needed Let the speaker know how well he or she is conveying the information Communicate to others when you don’t understand what they are saying If you’re too tired to concentrate, ask for discussion later.

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November 2015 : : Lovin’ Life After 50 : : page 47

Church to ‘Flip the Switch’ on holiday lights Nov. 27 ::by Meghan McCoy Red Mountain Community Church will continue its mission of providing residents a place to gather for the holidays when officials “Flip the Switch” on holiday lights in late November.

This year, the celebration takes place during a holiday party from 6 p.m. to 8:30 p.m. Friday, Nov. 27. The displays will be illuminated at 6:30 p.m.

Spiritual Formation Pastor Carlyle Naylor said more than 1,000 people are expected to attend the event at the church, located at 6101 E. Virginia St., Mesa. For more information, call (480) 807-5868 or call www.rmcchurch.org.

“The big thing is we want it to be a place where the community can come and enjoy themselves at Christmas time,” Naylor said. “We don’t have people on the corners sermonizing.

It really is a Christmas thing...a place for them to come and experience the warm fuzzies of Christmas.”

The night includes Christmas carols, coffee, cocoa, Christmas cookies and a hay ride.

To help with the flow this year, eight

Starting Friday, Nov. 27, more than 750,000 lights will grace the grounds of Red Mountain Community Church. wagons will run for two hours. In addition to Friday, Nov. 27, hayrides will also run Friday, Dec. 18, and Saturday, Dec. 19.

The light show began about 20 years ago when church officials created figurines that depicted various biblical scenes. Every other year a new figurine was added to the collection, on which 750,000 lights are placed.

In addition to the figures, a choreo-

graphed animated attraction was added two years ago. As the music plays, the lights dance to a different melody.

“We found out that last year we made the Top Five Light Destinations in the Phoenix area,” he said.

The “Flip the Switch” event provides momentum for the light display.

“It brings people together right after Thanksgiving,” he said. “We have a kick off Christmas party.”

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Boomerish : : by Steve Greenberg

Dyana Hesson’s work will be exhibited at the Desert Botanical Garden in early 2016.

Mesa painter in bloom with book, exhibition

www.boomerish.com

steve@greenbergart.com

::by Kenneth LaFave

A

t age 25, Dyana Hesson did not das in Mesa and at the artist’s website, know what to do with her life. www.dyanahesson.com.

“I had always struggled with school.

“Radiance,” laced with prose and I’m not a fast learner. But I had this poems to complement the images, will work ethic, and I needed to do some- feature not only her desert paintings, thing,” Hesson said. but work inspired by a range of botaniMarried at 20, she had recently relo- cal life, from garden roses to the exotic cated to Mesa from southern Califor- plants of Hawaii. nia after her husband, Randy, got a job Though the big island of Hawaii is a opportunity in the Valley. favored destination for Hes“My husband and I son and her easel, the deswent through the ASU ert keeps calling her back. catalog looking for pos“I’ve explored many sible majors for me, and subjects—tropical blooms, he said, ‘Let’s find the magarden flowers, roses and jor with the least amount landscapes, but I always of math.’ I’ve never been Dyana Hesson’s book, return to the desert. I can’t good at math. Then he “Radiance,” contains resist the twists and turns of prints of 170 of her said, ‘How about some art an agave, the translucence paintings. courses?’” of prickly pear blooms, the Reluctantly, she tried it. Unexpect- plump and colorful hues of succulents,” edly, she came alive.

Hesson said.

“It was like a light bulb coming on.”

Another thing that draws her back to At last, Hesson knew what to do. the desert is the light.

That was 25 years, a bachelor’s de“The subject matter I paint has a gree and 550 paintings ago. Now Hes- certain look to it because of our Southson has a book of prints coming out western light. The contrast of dark and and a major show coming up at one of bright is only possible because of the her favorite places on earth, Phoenix’s light here in Arizona,” Hesson said.

Desert Botanical Garden.

The artist paints exclusively in oils.

Desert Botanical Garden will cele“I like the traditional aspect of workbrate Hesson’s first 25 years as a painter ing in oils. People have been using them with a retrospective of her work open- for hundreds of years, so it’s a connecing Jan. 29 and running through May tion with tradition.”

22. “Return to the Desert” will display Hesson typically works for several 25 Hesson paintings of desert flora. weeks on a canvas, though she paints Hesson, who calls herself a “botanical more than one at a time. Painting for artist,” focuses on plant life as subjects. her is less about expressing a gift than it Her book, “Radiance,” containing is about working out how to get the imprints of 170 paintings from over the age she has in mind onto a canvas: years, is due out in December. It will be “Seeing the natural world and figuravailable for sale at Scottsdale’s Bonner ing out a way to get it down means you David Galleries (which represents Hes- are constantly problem-solving. It’s a son), the gift shop at Desert Botanical little bit of raw talent, and a lot of hard Garden, Coco Milano’s near Las Sen- work.”

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A look back at Alyeska— The Great Land :: by Ed Boitano | photos courtesy Tourism Vancouver

P

DEB ROSKAMP

eople just want more. The Alaska by motor coach and train into the state’s cruise continues to be the second- mighty interior. I was also ready for a most popular cruise in the world, with serious dose of RCCL’s seemly endless many of its visitors repeat passengers. It amenities—themed bars and lounges, all makes perfect sense to me. What can specialty restaurants, indoor/outdoor be said about a state that is one-fifth the country club, spa and fitness center, Las Vegas-style shows size of the continenand Casino Royale. tal United States and Perhaps this time I four times the size really will climb the of California? It is a rock wall. After a long land of spectacular day of excursions, Ice Age glaciers, Nareturning to the tive Alaskan culture, comfort of the vessel breathtaking mounalways felt like going tain ranges and fjords, historic Russian settle- Juneau is the only U.S. capitol home.

Ketchikan: Today ments, the Midnight inaccessible by road.

Ketchikan is billed as Sun and world-class the Salmon Capital of the World. If sport fishing. I’ve often thought that the it’s a fishing excursion that you want, Aleut’s name for the region is still the this is the place for it. My pick: A tour best: Alyeska—The Great Land. of the Totem Heritage Center, which Sitting on the deck of Royal features a collection of carved totem Caribbean’s 2,501-passenger Radiance poles and carving demonstrations. of the Seas with the Seattle sun at my back, I couldn’t wait for the cruise Juneau: Spread along Gastineau Channel, Juneau is the only U.S. to begin. Soon we would be gliding capitol city inaccessible by road. A through Puget Sound to the stunning trip to Mendenhall Glacier is the most Inside Passage. popular excursion. My pick: The Yes, I am one of those repeat visitors.

1,800-foot tramway ride to the top of I knew what to expect, and relished Mount Roberts for wildlife viewing the attractions that awaited me. Plus platforms, Juneau Raptor Center and I knew that a number of my favorite breathtaking scenery. destinations were inaccessible by car, which is why I opted for the cruise/land Skagway: Located the northern tip of the Lynn Canal, Skagway was tour package. It included transportation

page 50 : : Lovin’ Life After 50 : : November 2015

The iconic St. Michael’s Church overlooks the Sitka Sound.

the land entryway for thousands of gold-crazed miners to the Klondike Gold Rush of 1898. The town is wellpreserved and rich in gold rush history.

My pick: A trip aboard the vintage White Pass & Yukon Route railway for a train journey back into time.

Sitka: My personal favorite of all of Alaska’s destinations, Sitka is nestled on Baranof Island and offers an amazing mix of Tlingit Indian, Russian and American history and culture. The attractions are endless. My pick: The Sitka National Historical Park, a 113-acre coastal park that features the Southeast Alaska Indian Cultural Center, plus beaches, hiking trails and scores of totem poles.

Seward: ne of Alaska’s oldest communities, Seward is considered the gateway to Kenai Fjords National Park. This is where land packages begin, and I look forward to spending more time in this historic community.

My pick: Strolling Seward’s historic downtown and bustling harbor.

Fairbanks: Based 120 miles south of the Arctic Circle, Fairbanks is the ideal venue to experience a real living history, highlighted by the midnight sun. My pick: An excursion on the Riverboat Discovery Sternwheeler, with a stop at an Athabascan village, for traditional fishing, hide tanning and dog sledding demonstrations.

DEB ROSKAMP

An excursion on the Riverboat Discovery Sternwheeler outside of Fairbanks.

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DEB ROSKAMP

Travelers can view the majesty of Alaskan glaciers from the comfort of their cruise ship.

Denali National Park: Departing from Fairbanks, the Wilderness Express train travels deep into the Alaskan interior to the 6-million acre Denali National Park. Seeing one of the world’s last great frontiers from the comfort of this luxurious glass-domed train car enhances the experience.

My pick: A seven-hour bus ride on the Tundra Wilderness Tour for undisturbed wildlife viewings.

Talkeetna: A locale that’s perfect to just bask in the beauty, Talkeetna also offers fishing, nature and float tours, and white water rafting. My pick: A helicopter ride above Mount McKinley, the highest mountain in North America. To experience such a heaven’s view was like being there at the moment of creation.

Anchorage: Alaska’s largest city, Anchorage boasts all the urban pleasures of fine dining, shopping, nightlife and world-class museums.

My pick: The 26-acre Alaska Native Heritage Center, which provides a fascinating insight into the arts, customs and lifestyles of the five distinct native cultures found in Alaska. Not a bad way to end my return to Alyeska.

Alaska Airlines offers direct flights from Phoenix to Seattle.

For further information, visit www. royalcaribbean.com or www.travelalaska.com.

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THE WINTER TRAVEL PLANNER

NORTH TO ALASKA, TREKS & TOURS, RVS, WORLD-CLASS DESTINATIONS Compiled by Ed Boitano NORTH TO ALASKA ALASKA CRUISES AND VACATIONS BY TYEE TRAVEL - What kind of cruise is right for you? From casual small-ship cruises to elegant luxury ships, Alaskans at Alaska Cruises & Vacations have experience and first-hand knowledge to plan your perfect cruise.

Customize a land tour to make your journey complete. For advice from Alaskans who cruise themselves, go online at www.akcruises.com or call (800) 977-9705 ALASKA HERITAGE TOURS customizes your Alaska getaway with magnificent day cruises and relaxing lodge experiences with all the comforts of home. Cruise through Kenai Fjords National Park, home to whales, puffins and sea lions. Try geocaching at Talkeetna Alaskan Lodge, with panoramic views of Denali. Enjoy picturesque views of a glacier river valley from Seward Windsong Lodge, on the edge of Kenai Fjords National Park. Go salmon fishing at Kenai Fjords Wilderness Lodge. (877) 258-6877 or www.AlaskaHeritageTours.com ALASKA TOUR & TRAVEL is the largest custom vacation packaging company in Alaska. Since 1995 we have helped more than 100,000 visitors plan their Alaska vacations - each trip customized to meet their individual needs. Alaska Tour and Travel represents top Alaska tourism suppliers offering lodging choices and popular day trip operators. We also offer fully escorted vacation packages for those who want to travel though Alaska with an experienced local guide. (800) 208-0200 or www.AlaskaTravel.com CORDOVA – Intentionally off the beaten path. Cordova, Alaska is an authentic commercial fishing town nestled in the heart of a spectacular wilderness, shaped by its dramatic

natural setting, rich cultural heritage and colorful residents. In 2015 and ‘16 let Cordova become your base of operations for an unforgettable Alaskan adventure. Go hiking, fishing, birding, boating, kayaking, or travel to other parts of the state. (907) 424-7260 or www.cordovachamber.com CRUISEONE specializes in cruise and land vacations to the world’s most exotic destinations, including Alaska, the St. Lawrence River, the Caribbean, the Mediterranean, and the Mexican Riviera. Programs range from family reunions at sea and honeymoon cruises to river cruising and land vacations. Each independently owned and operated business combines the latest technology with old-fashioned customer service. Contact Joni Notagiacomo in Los Angeles at (800) 600-4548 or www.luv2cruz.com EXPLORE FAIRBANKS, ALASKA - Be inspired by the light of the Aurora Borealis. Renew your energy under the Midnight Sun. Experience the warmth of Fairbanks—Alaska’s Golden Heart—and the gateway to Denali, Interior and Arctic Alaska. Call 1-800-3275774 to request your free Official Fairbanks Visitors Guide. Explore your Alaskan vacation at explorefairbanks.com.

GRAY LINE ALASKA offers a wide variety of Alaska tours from local experts. Our customized Alaska vacations will bring you unforgettable memories with the diversity of Alaska travel options. Breathtaking scenery, wildlife, glaciers and mountains are just a few of the perks you may experience when traveling with Gray Line Alaska. Choose from post or pre cruise options as well as guided and independent Alaska travel packages. For nearly 70

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To advertise in this section, contact Ed Boitano at 818.985.8132 or Ed@TravelingBoy.com years Gray Line Alaska has proudly produced the best in Alaska tours. Visit graylinealaska. com or call 1-800-544-2206 for reservations.

HAINES is like no other destination. With fascinating history, intriguing culture, breathtaking scenery and adventure to last a lifetime, there’s no question that your time spent in Haines will be enjoyed and remembered for years to come. Journey on up the Inside Passage and discover your Haines adventure! (800) 458-3579 or www.Haines.ak.us HOMER, ALASKA - This captivating little town has something for everyone. Activities include hiking, world-class fishing, bear viewing, kayaking, and bird watching, Homer is known as a “foodie” town, cultural arts community, and wellness destination. Enjoy breathtaking views of the Kenai Mountains, glaciers and volcanoes overlooking the Kachemak Bay. Stroll on the beaches and get close up to playful sea otters, bald eagles, puffins and sometimes whales.

THE KENAI - Discover what Alaskan’s already know; while many regions of Alaska offer glimpses of Alaska’s majesty, The Kenai immerses you in it. Located just south of Anchorage, no other destination offers such an up close and personal Alaskan experience. That’s why we are known as Alaska’s Playground. Order your free guide at www.kenaipeninsula.org PEARSON’S POND LUXURY INN & ADVENTURE SPA is the only AAA Four Diamond Award winning accommodation in the entire state of Alaska. Nestled alongside a glacial kettle pond in Juneau, you can luxuriate in a rain forest hot tub, share a glass of

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wine in front of your fireplace, or just sit back and enjoy our astounding scenery, unparalleled service and casual elegance. Pearson’s Pond is simply the best place to stay and experience

all that Alaska has to offer. Enjoy privacy, hospitality, complimentary trip planning services and top-flight amenities at a superb value. (888) 658-6328 or www.PearsonsPond.com THE PUFFIN INN is conveniently located near the Ted Stevens International Airport and Lake Hood and just ten minutes from Downtown Anchorage, shopping, flight seeing, fishing and more. Choose from four distinct room styles to suit your needs.

Enjoy a morning newspaper and deluxe continental breakfast served daily. Free Airport shuttle available. The Puffin Inn offers the ideal location to enjoy Anchorage’s endless attractions. (800) 4PUFFIN or www.puffininn.net

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Experience trophy sport fishing, glacier and wildlife cruises, sailing, hiking, kayaking, flight seeing and more. A wide range of accommodations, restaurants, RV parks, tent camping, and visitor services are available.

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your doorstep in Soldotna - Alaska’s Kenai River City. World-class fishing, wildlife viewing (including bear viewing and bird watching), flightseeing, scenic riverwalks, hiking trips, fabulous accommodations, shopping, gourmet dining and more await you in your visit to Soldotna. With Soldotna as your home base while exploring the Kenai Peninsula, you’ll enjoy the very best of Alaska. For details: www.VisitSoldotna.com WHALER’S COVE LODGE is one of Alaska’s most respect remote fishing and adventure lodges. Located in the middle of Alaska’s Inside Passage, we enjoy salt and fresh water fishing in calm, protected waters away from the crowds. Whalers Cove Lodge has been showing guests the real Alaska for over 30 years. Call 800-423-3123 for reservations. Visit www.WhalersCoveLodge.com for more information.

DOMESTIC ASPEN SQUARE - Aspen’s downtown condominium hotel is located in the heart of this renowned mountain resort, only a few steps from outstanding Colorado restaurants, unique shops and art galleries. Even the Silver Queen Gondola is right across the street at the base of Aspen Mountain! Featuring fireplace studio suites and condominiums, Aspen Square is a full-service hotel with outdoor heated pool, hot tub, fitness center, lobby concierge and pristine mountain snow. (800) 862-7736Attention or www.AspenSquareHotel.com BANYAN HARBOR RESORT, managed by OLS Hotels & Resorts, is exceptionally From suited for couples, groups and families for your Kauai vacation. Each tropical vacation rental offers separate living, dining, and sleeping areas, plus fully-equipped kitchen. Enjoy a salt heated pool, barbecue grills, and tennis court. the Banyan Harbor Resort offers your perfect central island location for your next Kauai vacation. Ask about our $129 special for two-bedroom, fully-equipped condominiums. Add a car rental for only $29 per day. (800) 422-6926 or www.Vacation-Kauai.com

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an earlier, more peaceful era. Our 61 cottage-style guest rooms, each with its own deck or porch, are located on a hillside, within walking distance of our restaurant, gift shop, and grocery store. Your stay at the Big Sur Lodge includes free access to Pfeiffer Big Sur State Park, Andrew Molera State Park and Julia Pfeiffer Burns State Park. (800) 424-4787 or www.BigSurLodge.com

Dolphin Bay is the ideal hotel for romantic getaways or family vacations where guests stay anywhere from two nights to months at a time. With 60 spacious 1 and 2 bedroom suites featuring all of the amenities of a home, Lido Restaurant, The Spa at Dolphin Bay and an array of activities, guests can experience the best of the Central Coast. (800) 516-0112 or www.thedolphinbay.com

CAMBRIA CALIFORNIA - Nestled among towering pines and the shimmering sea on California’s Central Coast, Cambria California is a picturesque village that unfolds along scenic Highway 1 betweenSan Francisco and Los Angeles. Brimming with charm, Cambria invites you to exit the beaten path and explore one of California’s truly unique destinations. Just four miles south of the famous historic landmark Hearst Castle, enjoy world class galleries, idyllic bed & breakfast inns to hotels and motels, and endless activities.

805-927-3624 or www.CambriaChamber.org

FOUNTAIN OF YOUTH SPA RESORT - Located just 50 miles south of Palm Springs, you’ll find sunny, warm weather, a friendly helpful staff, five-star amenities and serenity inducing views. Guests enjoy two large pool areas with rejuvenating artesian mineral water hot spas and steam rooms, plus first-class fitness center, tennis courts and walking trails. Onsite entertainment, cafe, convenience store, massage therapy, hair & nail salon create a carefree oasis. Come join us for a weekend, and discover your Fountain of Youth. (888) 8000-SPA (772) or www.foyspa.com

THE CEDAR HOUSE SPORT HOTEL, located just outside the Historic Downtown District of Truckee, California, fuses innovative green architecture with the best of contemporary design. Described as a stunning combination of hip and organic, savvy and relaxing, The Cedar House incorporates a number of eco-friendly elements, bringing a fresh and environmentally conscience style to the Sierras. Featuring 42 rooms and suites, enjoy modern conveniences, from flat screen TVs to plush linens. (866) 582-5655 or www.CedarHouseSportHotel.com

HALE PAU HANA BEACH RESORT – Vacation paradise on Maui! Situated on Kamaole Beach Park II in South Maui, each 1- and 2-bedroom fully furnished condominium is beachfront and has an unobstructed ocean view, plus there are NO resort fees, free

COLORADO TRAILS RANCH - What you need is a week unwinding and exploring the wonders of our first class guest ranch. Colorado Trails Ranch is not far from Durango, in Southwest Colorado. Set in the spectacular panoramas of the San Juan Mountains, our dude ranch resort offers lifetime experiences for singles, groups and entire families.

There isn’t one difficult activity in our perfectly personalized programs. The food is delicious, the comfort is wonderful and you’ll feel like a well cared member of the family.

(800) 323-3833 or www.ColoradoTrails.com DOLPHIN BAY RESORT & SPA - Set along the rugged California Coast, just south of San Luis Obispo, Dolphin Bay Resort & Spa is centrally located in Pismo Beach. The

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THE PALMS RIVER RESORT - Come relax on our sandy beaches, watch palm trees sway in the breeze as the mighty Colorado River rushes by. When you come family camping at The Palms River Resort, you’ll have easy access to fishing, boating, hiking, golfing, casinos, and much more. Our all-ages campground is perfect for families and groups. Go ATV riding in the desert, wave running on the Colorado River, or head out to the casinos and nightlife of Laughlin, Nevada! (760) 326-0333 or www.PalmsRiverResort.com PISMO COAST VILLAGE RV RESORT – Located right on the beach, this beautifully landscaped RV resort features 400 full hookup sites, each with complimentary Wi-Fi and cable TV, on 26 grassy, tree-lined acres. Enjoy general Store, children’s arcade, restaurant, laundromat, heated pool, bicycle rentals and miniature golf course. The resort offers the ideal location for wineries, golf or Hearst Castle. Pismo Coast Village RV Resort was awarded the 2007/2008 National RV Park of the Year. (888) RV-BEACH or www.PismoCoastVillage.com RUBY’S INN & RV PARK is the closest accommodations to southern Utah’s Bryce Canyon National Park. We offer 368 deluxe guest rooms, restaurants, general store and gallery, conference center, car care, and a RV park.. Our guests can enjoy swimming pools and spas, or browse the general store, shops and gallery. We feature year-round activities including cross -country skiing, horseback rides and scenic flights. Ruby’s Inn and Bryce Canyon National Park are open all year. (866) 878-9389 or www.RubysInn.com SORREL RIVER RANCH, 17 miles upstream from Moab, Utah on the banks of the Colorado River, is in the heart of the high desert wilderness next to Arches and Canyonlands National Parks. Four-star rated, with a lavish spa, gourmet restaurants that feature all-natural farm-to-table cuisine, horseback riding and guided hikes. It is truly where luxury meets adventure. (855) 408-6402 for bookings or log-on to www.SorrelRiver.com

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THE SPRINGS AT BORREGO RV RESORT & GOLF COURSE - Located within the splendor of California’s Anza-Borrego Desert State Park, The Springs

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provides spacious RV sites, top-notch amenities, and numerous recreational activities. The luxurious resort features more than 90 pull-through sites with stunning mountain views. Enjoy mineral baths, saltwater swimming pool, a nine-hole championship golf course, cable TV and Wi-Fi.. Come see for yourself why The Springs has been voted the best small RV park in all of North America! (866) 330-0003 or www.springsatborrego.com SUNRIVER ST.GEORGE is southern Utah’s premier master-planned resort-style living community. Built in an unspoiled, rural location, SunRiver St. George provides a quiet, superbly planned community with occupancy limited to at least one resident 55 or better. From the golf course layout and community center design to the floor plans of our sensational SunRiver St. George homes, the resort-style living lifestyle is our central point of focus. SunRiver St. George is “building a lifestyle, not just homes.” (888) 567-5247or www.SunRiver.com VAGABOND INN VENTURA is located in downtown Ventura only 2 blocks from Historic Old Town with its specialty shops and antique stores and the Ventura Mission. From our Ventura hotel, you can take the footbridge at the back of our property with pier and beach access. After a long day, you can go for a swim in our heated pool or relax in our spa. Start your day with our complimentary continental breakfast. Great value, friendly people - it’s how we do things. (805)-648-5371; (800) 522-1555 or www.VagabondInn-Ventura-hotel.com

197-passenger Ocean Endeavour and onshore interpretations to complement your journey. (800) 363-7566 or visit www.adventurecanada.com HERZERL TOURS - Have you ever thought of how neat it would be to take your grand kids on a special trip - Well here is your chance - take them or the entire family to Vienna - attend a cooking class (kids love to cook) and visit historical palaces and fortresses. Cook Emperor Franz Josefs favorite dish and visit his summer palace with 412 rooms.

Believe me it works wonders - I have done it (Susanne S.) For nearly 20 years, Susanne Servin has combined the spontaneity of independent travel with the efficiency of touring — with small groups and great quality. Contact Susanne at (800) 684-8488 for details; sms@herzerltours.com orwww. herzerltours.com

TARA TOURS specializes in tours to Latin America with more excitement and mystery one could experience in a lifetime of travel. Tara Tours can take you there, with great service and tour programs, designed with your desires and budget in mind. Experience the majesty of Machu Picchu, Rio de Janeiro’s “Cidade Maravilhosa,” indigenous market of Chichicastenango; Peru’s Amazon Jungle; the incredibility of the Galapagos Islands, Chile and Argentina’s Patagonia,the ruins of Tikal, Easter Island, and natural beauty of Costa Rica. (800) 327-0080 or www.TaraTours.com

INTERNATIONAL ADVENTURE CANADA - Join Adventure Canada on the sandy shores of the Atlantic’s best-kept secret. Marvel at the world’s last herd of wild horses as they gallop between rolling dunes and search for marine life in the Gully, a Marine Protected Area off Nova Scotia. A trip to the quaint French island of Saint-Pierre caps the expedition. An exceptional team of experts—biologists, historians, Inuit guides, authors, musicians and artists—provides daily lectures aboard the

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Markets add to local history

I

:: Story by Andrea Gross | Photos by Irv Green

expect Seattle’s Pike Market to be colorful, crowded and caffeinated, as befits the city that birthed Starbucks, but I don’t expect flying salmon. Yet here men in white aprons are flipping giant fish with the ease that most folks flip pancakes. ne of the fishmongers grins as a salmon slips onto the counter and somersaults into a bin.

“Want one?” he asks. I Seattle’s Pike Market is the go-to place for Pacific seafood, decline and walk on to whether to eat on the spot or to ship home. see the flowers, which strong smells of curry, kimchee, cofsmell infinitely better.

Like other urban markets, Pike Mar- fee and chocolate. Vendors ply us with ket reflects its surroundings. Salmon samples: a handful of dried fruit, a slice in Seattle? Of course. (Taste them of apple, a chunk of cantaloupe and in a market restaurant or have them the best chocolate-covered cherry I’ve shipped to your home.) Gator burg- ever tasted. No wonder, since Washingers in New Orleans? (Eat them on the ton is the top sweet cherry-producing spot.) Clam chowder in Boston? Most state in the nation.

Washington also grows more onions definitely. Although in some cities commercial establishments have moved in, than any other state, and Pike Market the emphasis in urban markets is al- owes its existence to onion-hungry citiways on locally sourced food and re- zens, price-gouging middlemen and a sympathetic politician. In response to gionally unique products.

That’s what makes them so much his constituents, who were furious that the price of onions had risen dramatifun for the traveler. cally, Seattle Councilman Thomas Revelle suggested that farmers set up on an Seattle’s Pike Market: the country’s oldest continuously operat- empty street corner and sell to their customers. In August 1907 eight farming market My husband and I weave past per- ers did just that. Their produce sold out formers strumming guitars, dodge within hours, and the business practices groups of tourists, and inhale the of Seattle were forever changed.

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Now, 108 years later, more than 100 farmers and 200 craftsmen and women rent space at the market, which has expanded to cover 9 acres. www.pikeplacemarket.org New Orleans’ French Market: America’s oldest public market Seattle’s market may hold the title of the oldest continuously operating Faneuil Hall, which comprises one part of Boston’s famed market market, but New Or- place, has been the site of many historic events, including speeches leans’ French Market by Samuel Adams and a reception for George Washington. predates it by more than 100 years.

Faneuil Hall Marketplace: the It began as a Native American trad- nation’s first Festival Market ing post in 1791 but uickly grew Some folks call it Faneuil Hall Marinto a multiethnic hub as new arriv- ketplace; others call it Quincy Market. als flooded the area. Now vendors sell Either way, it’s a favorite meeting place everything from homegrown food to for Bostonians and one of the city’s top handmade crafts, many of which fea- visitor attractions. ture fleur-de-lis in one form or anothThe area was first a public food marer—on mugs, door knockers, T-shirts ket, then the site of an historic hall and neckties. I’m not into fleur-de-lis where a reception was held for George décor, and I can easily pass on alliga- Washington. Later, in the 19th century, tor models and Mardi Gras masks, but it was the home of one of the largest I succumb to temptation when I see a market complexes in the country. But handmade voodoo doll. After all, you despite its storied history, by the early never know when a little magic might 1970s it was simply a group of decaycome in handy. ing buildings, and the city wanted to tear them down.

Instead, some concerned citizens turned them into a “festival marketplace,” the first one in the United States. The old Faneuil Hall and Quincy Market became a “festival” of stores, restaurants and pubs, thus revitalizing not only the old buildings but the surrounding area as well.

We snack and wander—tastetesting clam chowder and baked beans, admiring pewter mugs and trying on T-shirts that celeNew Orleans French Market is replete with alligator brate Boston colleges and sports sculptures, fleur-de-lis mugs and Mardi Gras masks. teams.

Our last stop is at Make Way The food presents a bigger prob- for Ducklings, a bookstore that honors lem. Do I want gator meat on a stick, Robert McCloskey’s classic tale of a in a burger or atop a salad? And then group of Bostonian mallards. I resist there’s the muffuletta, a deli sandwich buying my granddaughter a toy malfavored by Sicilian farmers who were lard imprinted with the word “Boston,” selling their goods at the market. We and instead get her a book of Mother look at the sandwich, a layered power- Goose rhymes. She may as well learn house consisting of a marinated olive now that the little pig who went to marsalad, three meats and two cheeses. It’s ket had a lot more fun than the ones a tough call. We opt for both. who stayed home. www.frenchmarket.org www.faneuilhallmarketplace.com

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HOLTZMAN HOME IMPROVEMENT People do business with people they trust Home Remodeling, Additions & Handyman Jobs -Kitchens or Baths in 5 Days -Painting/Drywall/Stucco -Plumbing/Electrical -Tile/Flooring -Fencing/Roofing -Decks/Garages -Stock Cabinets We Do It All! 24 Hour Emergency Services Licensed/Bonded/Insured ROC#242008 FALL SPECIAL 15% off labor on any job over $1,000 Must mention this ad for discount Can’t combine with any other offer Call for a Free Estimate!

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DRAWER LL1543 WWF. I am a pleasant, attractive, nice, positive, healthy, affectionate, happy with life LADY. Would like to meet a gentleman with the same qualities for TLC. I love pets, nature and anything outdoors except sports.

He must be mid 70’s-80’s and reside in the Southeast Valley – Chandler, Gilbert areas helpful. P.S. I’m not aging, I’m ripening to perfection!

DRAWER LL1548 WWM age 84, I like day trips & fishing- write.

DRAWER LL1549 WWF 69 ISO WW gentleman companion for movies, Gammage, Phoenix Theatre, MAC, etc. (all Dutch).

Former Iowan, Master’s degree, Methodist, published essayist, NS, love my two cocker spaniels and my Prius. East Mesa.

DRAWER LL1545 WWM, 77, 180lbs, 5’10” ISO female 70-80 for LTR who likes to travel and an honest relationship. I’m in good health and am active. NS/ND – live in the East Valley and Idaho.

DRAWER LL1546 WWF ISO SWM who is honest, loving, caring, respectful, retired & who likes dining out, dancing, movies & occasional travel for LTR. You live within a 10-mile radius of Sun City.

Please respond with recent photo, name, age & email. All replies will be answered. Thank You. DRAWER LL1547 SWM 63 (very young for my age), 5’9”, 150lbs, fit & attractive desires hiking partner for short hikes in the Valley. Friendship possibly leading to LTR. DRAWER LL1550 Single, gay, white, youthful, cute, fun 59-year-old gal ISO single gay lady for friendship, hopefully leading to LTR. I live in Peoria Arizona. What are you waiting for?

Write your ad in the space provided. All ads must be prepaid before each monthly deadline.

Deadline for ads is the 16th of each month. Your name, address and telephone number will not be printed in your ad. We will give it a code. All mail we receive with your code will be mailed to you at least once a week. We reserve the right to edit ads.

Check your type of payment and mail to: Lovin' Life Newspapers 3200 N. Hayden Rd. Suite #210, Scottsdale, AZ 85251 • Call 480-348-0343 Name: Address: City/State/Zip: Telephone #: Email:  Check/Money Order

 Visa

 MasterCard

 American Express

Acct# _________________________________________________

 Discover

Card Exp. ____ / ____ /____

CVV#________________________________ Signature ______________________________________ CLASSIFIEDS INFORMATION Please check desired circulation:  Tucson  Sun Cities (Metro Phx)  East Valley (Metro Phx) Southeast Valley  Phoenix & Glendale  Scottsdale $25 first 30 words. 50¢ per word thereafter. $10 per additional zone.

FRIENDSHIP AD INFORMATION Standard Abbreviations Used in Friendship Ads

M = Male D = Divorced W = White LTR = Long Term Relationship

F = Female H = Hispanic NS = Non-smoker TLC = Tender Loving Care

W = Widowed B = Black ND = Non-drinker ISO = In Search of

$15 first 30 words. 25¢ per word thereafter Start Issue: _______ End Issue: _______ Check one:  Classified  Friendship Ad to Read: ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ (30) ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ ________________ How do I Answer a Friendship Ad? Compose your response and address it to: Drawer # ________ Lovin’ Life Newspapers, 3200 N. Hayden Rd., Suite 210, Scottsdale, AZ 85251

Puzzle Answers ...from page 22

How To Answer a Friendship Ad Compose your response and address it to: Drawer # ________ Lovin’ Life Newspapers 3200 N. Hayden Rd., Suite 210 Scottsdale, AZ 85251 www.lovinlifeafter50.com

November 2015 : : Lovin’ Life After 50 : : page 59

T HE F INISH L INE Arizona’s Leader in Senior Fitness HOW DO BIRDIES MEAN BUCKS?

2015 Sponsors

You can make a local charity a big bucks winner by making a pledge in the Birdies For Charity competition at the 2015 Waste Management Phoenix Open! That’s because participating charities will receive every single penny of collected pledges.

HOW DO I PLAY BIRDIES FOR CHARITY?

Simply pledge one cent or more for every birdie that will be made by the PGA TOUR players, Thursday through Sunday of the 2016 Waste Management Phoenix Open. It’s estimated that between 1,300 and 1,800 birdies will be made. Inclement weather may affect the total.

HOW MUCH WILL I OWE & WHOM DO I PAY?

Say you pledge one cent per birdie and 1,500 birdies are made, after the tournament, you’ll receive an invoice for $15.00 from Thunderbirds Charities. You can either make your check payable to “Thunderbirds Charities” or provide credit card information, (Do not pay charity directly). For other possible pledge amounts check the chart below.

BIRDIES CAN ALSO MEAN BONUS BUCKS

Charities can receive a 10 percent BONUS on the total amount of pledges collected on their behalf during the 2016 Waste Management Phoenix Open Birdies For Charity Program. It’s as simple as it sounds.

Example: If Charity A collects $20,000 in pledges, Charity A will receive 10 percent of that, or $2,000, for their charity courtesy of Thunderbirds Charities.

GUIDELINES

• It is designated charity’s responsibility to collect and return pledge forms to The Thunderbirds • Pledge deadline is February 7, 2016 • If one or more days of the Waste Management Phoenix Open are cancelled, the birdie count substituted for those days will be: Thurs: 500 | Fri: 500 | Sat: 300 | Sun: 300 • Complete set of rules can be requested at info@bfc.com Going into our 12th year Birdies For Charity has made a difference for local charities: 2005 ~ $800,000 2006 ~ $1.1 million 2007 / 2008 ~ $1.5 million 2007 / 2008 $1.5 million 2009 / 2010 / 2011 $1.3 million 2012 / 2013 $1.7 million 2014 / 2015 $1.5 million Thunderbirds Charities is recognized by the IRS as an Internal Revenue Code Section 501(c)(3) charitable organization. Consult your tax advisor on the application of tax deductions.

Follow us!

The Finish Line Newsletter is produced by Arizona Senior Olympics, founded by:

IF 1500 BIRDIES ARE MADE my total pledge would be:

1¢ = $15 | 2¢ = $30 | 3¢ = $45 | 4¢ = $60 | 5¢ = $75 | 10¢ = $150 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 Arizona Lifelong Fitness Foundation

Arizona Senior Olympics

276

P.O. Box 33278 Phoenix, AZ 85067-3278

For more information or to make a pledge online go to BIRDIESFORCHARITYAZ.COM

page 60 : : Lovin’ Life After 50 : : November 2015

602.216.7325

FEBRUARY 1, 2016 – FEBRUARY 7, 2016 TPC Scottsdale

602-274-7742

web site: www.seniorgames.org

www.lovinlifeafter50.com

www.seniorgames.org

The key to finding a Medicare plan is research to either switch it or stick with it :: by Rick Beavin, Arizona President for Humana’s Senior Products

Y

our health plan is one of the biggest decisions you’ll make this year.

People who research their decision are far more likely to make a good choice.

If you’re Medicare-eligible, here’s what you need to know for the Medicare enrollment season, Oct. 15 through Dec. 7.

Start by knowing the basics. Even if you’re already using Medicare, you need to understand the main components: Original Medicare (Medicare Parts A and B), Medicare Advantage Plans (Medicare Part C) and Prescription Drug Plans (Medicare Part D).

In a nutshell, Original Medicare includes hospital insurance and medical insurance and you may choose to add a Medicare Supplement plan—often called a Medigap plan—along with a stand-alone prescription drug plan.

Medicare Supplement plans cover all or some of the medical charges not covered by Original Medicare, including the 20 percent coinsurance for most services. Because Original Medicare or Medicare Supplement plans don’t offer prescription drug

coverage, it’s necessary to enroll in a standalone Prescription Drug Plan (Part D) for coverage.

Medicare Advantage Plans, offered through Medicare-approved private companies, typically include not only hospital and medical coverage, but also prescription drug coverage. Medicare Advantage plans may also include benefits such as dental coverage, fitness memberships and special services for people with diabetes, heart disease or other conditions. Go to Medicare.gov to learn the differences.

Just as you would talk to a mechanic or a knowledgeable friend before buying a car, talk with your doctor about expected health needs in the coming year.

Any planned surgeries or medication changes? Consider your health goals.

Are you planning to lose weight? Run your first 5 ? Prepare for an active vacation? Then, make a list of what you want in a health plan. Particularly within Medicare Advantage, many plans offer powerful services to help you achieve your best health.

Medicare.gov is the place to start learning about the plans available to you. Learn the costs to buy the plan (premium), costs to use the plan (deductibles and copayments), and

the maximum you might have to pay in case a serious health event happens (maximum out of pocket). Learn about the doctor and hospital networks included in each plan. Plans can change every year, so even if you already have a Medicare plan, be sure to check.

Medicare.gov also offers Star ratings, a five-star system that rates the uality of services provided by each plan.

While Medicare.gov is the best place to start, also visit the Medicare Advantage plan websites to get into specifics about plans you may be interested in.

Whether or not your plan is changing, it’s important to know all the details.

Your plan choice this fall is

guaranteed and will be yours for all of 2016, unless you ualify for a Special Enrollment Period (SEP) and choose to make a change. With news of possible health plan mergers among Medicare Advantage plans, it’s important to understand that this does not affect your 2016 plan choice.

In the end, if we get in the habit of considering Oct. 15 through Dec. 7 health prep season, just like March and April is tax prep season, we’ll make the right decision for our financial, emotional and physical health. So, while the uestion may be switch it or stick with it, the key to Medicare success is research it.

ASO loses longtime volunteer

A

rizona Senior Olympics planners were very saddened to learn of the death of longtime volunteer Gary Chinn on Oct. 1.

As the sport commissioner for pistol shooting, Chinn worked hard to create and continue the ASO pistol shooting competition each year.

A longtime member of the Phoenix Rod and Gun Club, Chinn was held in high esteem because of his dedication to helping others. Several people who spoke at the service on Oct. 11, told of their friendship with him. Everyone

www.lovinlifeafter50.com

commented on his willingness to help anyone who needed him.

Everyone laughed when one speaker referred to Chinn’s penchant for having his car filled with every tool imaginable so that he would be prepared to help when called upon. Trained as an engineer, Chinn had a uni ue skill in figuring out and solving problems.

Although he was a very uiet person, he made a deep impression on all who knew him.

Arizona Senior Olympics is grateful for his years of service. He will be missed.

November 2015 : : Lovin’ Life After 50 : : page 61

www.seniorgames.org

ASO planning 35th anniversary celebration

T

2016 schedule of sports

T

his year, Arizona Senior Olympics is publishing the schedule so that athletes may begin making travel

plans. Please watch the website, www. seniorgames.org, for information about sports marked TBD.

Sport ........................................................................ 2016 Dates Aerobic Fitness Medley ..............................................................................Feb. 27 Alpine Skiing ..............................................................................................Feb. 22 Archery.................................................................................................... March 5 Badminton .........................................................................March 5 and March 6 Basketball ...................................................................................................Feb. 28 Billiards ..................................................................................Feb. 27 and Feb. 28 Bocce ............................................................................... Feb. 15 through Feb. 19 Bowling ..................................................................................Feb. 27 and Feb. 28 Cycling ...............................................................................March 5 and March 6 Fun Walk ....................................................................................................Feb. 29 Golf ............................................................................................................... TBA Handball ................................................................................Feb. 27 and Feb. 28 Pickleball ..................................................................................................October Powerlifting.................................................................................................Feb. 27 Racewalk ....................................................................................................Feb. 20 Rac uetball ....................................................................March 12 and March 13 Road Races ............................................................................................. March 5 Shooting, Pistol...................................................................................... March 12 Shooting, High Power Rifle .................................................................. March 12 Shooting, Small Bore Rifle ............................................................................ TBA Shooting, Trap ...................................................................................... March 12 Shooting, Skeet...........................................................................................Feb. 20 Shooting, Sporting Clays......................................................................... March 5 Shuffleboard .................................................................... Feb. 22 through Feb. 25 Softball ........................................................................March 4 through March 6 Swimming ..................................................................................................Feb. 28 Swim Relays .......................................................................................... March 12 Table Tennis ............................................................................................ March 6 Tai Chi .................................................................................................... March 5 Tennis .....................................................................................Feb. 27 and Feb. 28 Track and Field .....................................................................Feb. 20 and Feb. 21 Triathlon ....................................................................................................April 3 Volleyball ........................................................................March 12 and March 13

page 62 : : Lovin’ Life After 50 : : November 2015

he Arizona Senior Olympic Games will be 35 years old in 2016. The first Games, held in 1982, marked the beginning of ASO’s dedication to the health and fitness of people who are 50 years or older.

Many of those who have participated are senior athletes; people who have always been in sports throughout their lives. Others have been those who have returned to an active lifestyle after being sedentary for many years. Still others have been introduced to “fitness through sports” by ASO and have found a new way to live a healthy, happy life.

Founded by The City of Phoenix Parks and Recreation Department, the organization has, from the beginning, been very much a volunteer-centered program. In partnership with the cities of Chandler, Glendale, Mesa, Scottsdale and others from around the Valley, ASO grew from just 150 seniors the first year to participants numbering in the thousands.

ASO was instrumental in the founding of senior games in Flagstaff, Green Valley, Prescott, Sierra Vista, Tucson and Yuma and was instrumental in the founding of the National Senior Games Association.

The 35th Anniversary Planning Committee is working on special events that will take place during the 2016 Games and throughout the year.

Planning Committee Chairman Tom Stillwell is looking for athletes and friends who are willing to help plan the special events. Call the AS office at (602) 274-7742 if you are able to serve.

Some of the preliminary plans include a special ceremony at the Phoenix City Hall; an expansion of the fitness fair the 35th anniversary Mayor’s Cup Challenge; 35th anniversary pins for ASO athletes; and recognition of longtime ASO athletes.

Save the date! It all begins on Saturday, Feb. 20. You won’t want to miss it!

Paper registration for the 2016 Games is open

A

rizona Senior Olympics is happy to announce that those who wish to register for the 2016 Games with a mail-in, paper registration can do so now. There are three ways to obtain the entry form: • The entry form is on the ASO website and can be downloaded. Go to www.seniorgames.org, click on “2016 Entry Form” on the yellow index on the left-hand side of the screen. Be sure to also print out the Sports Information Sheet for the sports for which you are entering to obtain the necessary details. ou can call the office and a form and Sports Information Sheet will be sent to you. The number is (602) 274-7742.

Drop by the office please call and let

us know you are coming— and receive an entry form or fill it out and submit it in person. ffice hours are 9 a.m. to 4 p.m. Tuesday through Friday.

Please allow up to three weeks to receive your written confirmation, which you will need when you check in to your event.

Paper registration will be available through Feb. 1. Payment must be made by check or money order and must be postmarked no later than Feb. 1. Don’t delay. Enter early!

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November 2015 : : Lovin’ Life After 50 : : page 63

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page 64 : : Lovin’ Life After 50 : : November 2015

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