50 Plus News Magazine

NEWS

Palmer’s Tent Event Aug. 23rd

page 11A

DIRECTORY

Assistance in Living

page 2B

August 2015 Vol 28 No. 8

What about the low wages

page 3A

OLSON:

The $64,000 question

page 6A

NEMOVITZ:

The right time is now! page 1B

Senior Softball Tourney

page 18A

TRAVEL

Road America page 14B

Hobnobbing with Presidents was routine with

COMPLIMENTARY

POMMER:

SPORTS

TED KNAP

By Jack Pearson That’s not a spelling error in the headline above; it’s Knap with one “P,” thank you. It’s a Polish name, and the way it is spelled in Poland. Ted Knap. (Actually he was christened Thaddeus L. Knap.) His parents immigrated to Milwaukee way back in the World War I years. The family then lived in a middle class neighborhood on Milwaukee’s east side, and that’s where Ted and his three brothers and one sister grew up. They attended St. Mary Czestochowa Elementary and Messmer High Schools.

KNAP continued on page 8A

The man who knew the presidents, Ted Knap, out on the balcony of his Shorehaven Lake Shore Apartment where he now lives.

TERRY SUTTER: EDITORI The Volunteer Any Organization Would Cherish

THE GOLDEN VACUUM AWARD:

By Jim McLoone

Time may pass slowly for some retired people who search for ways Terry Sutter, who is reported to have a to pass the time of day, as their level of activity mostly is moving from heart of gold, also has hands to hold a vacuum cleaner, which he does often as chair to chair. But this definitely is not so for retiree Terry Sutter whose he volunteers for cleanup duties after volunteering activities keep his mind and muscle in prime time condition.

This retired bank vice president spent most of his 40-plus years’ fivarious Ellenbecker non-profit activities in Waukesha.

By Karen nancial career in Waukesha. Now a spry 76-year-old, Sutter had no diffiFor his voluntary efforts, Sutter recently culty delving into his memory to the days of his banking career’s begin& Julie Ellenbecker was awarded the “Golden Vacuum ning at the once prominent Marine Bank. After Marine, he spent over 30 -Lipsky Award” due to his dedication to service. years with its succeeding Chase Bank and finished his financial career

MONEY SENSE

with 13 years at First Federal Savings Bank.

SUTTER continued on page 11A

2A • 50PLUS • AUGUST 2015

Eye MDs offer insights into cataract risks & removal

by Cheryl L. Dejewski

Even though six out of 10 people over age 60 already have one, most people don’t know the facts about cataracts until they’re “eye-to-eye” with one. Don’t let poor vision cloud your future. Educate yourself about cataract signs, risks and removal. Then, ask yourself if it’s time for you to have an eye exam.

Definition “A cataract is the clouding of the natural lens located inside the eye behind the pupil,” says Mark Freedman, MD, senior partner at Eye Care Specialists, a leading ophthalmology practice recognized for providing advanced medical, surgical and laser treatment of most all eye conditions.

“This lens works like a camera lens— focusing light onto the retina at the back of the eye to form the images you see.

As you age, protein in the lens may clump together and start to cloud. This is called a ‘cataract.’ As the clouding advances, it can blur or fog vision to the point of inhibiting day-to-day functioning.” Depending on the type of cataract, the clouding may take years or just months to progress.

Symptoms Poor vision is not a fact of life as you age. Dr. David Scheidt advises to schedule an eye exam if you notice: ■ Foggy, fuzzy or blurred vision ■ Sensitivity to light and glare ■ “Starbursts” around lights ■ Holding items closer to view ■ Needing brighter light to read ■ Fading or yellowing of colors ■ Difficulty judging stairs or curbs ■ Difficulty seeing to drive at night ■ Vision affects ability to do tasks ■ Glasses and prescription changes don’t improve your vision

Protection “Cataracts cannot be prevented. Cataract development may be delayed or slowed, however, by wearing sunglasses and hats with brims, eating a balanced diet high in healthy nutrients (vitamins, minerals and antioxidants) and low in fat and sugar, avoiding smoking and excessive alcohol intake, and keeping your blood sugar under control if you have diabetes,” says Brett Rhode, MD, Head of Ophthalmology at Aurora Sinai Medical Center and partner at Eye Care Specialists.

MD, adds, “If the cataract is preventing you from doing tasks, new glasses won’t improve clarity, and no other conditions exist which would negate the benefits of removal, like severe macular degeneration (AMD), then it’s time for surgery.”

Normal: The clear lens focuses light rays onto the retina, producing a sharp, clear image.

Before Surgery

Cataract: The cloudy lens causes light rays to scatter, producing a washed out, hazy image.

Risk Factors

to once again focus light rays onto the retina,” explains Daniel Ferguson, MD, who, along with his partners at Eye Care Specialists, uses the most advanced techniques to gently break up and remove cataracts through a tiny incision—often with only an eye drop needed for anesthesia.

■ Age (cataracts develop with time, ■ ■ ■ ■ ■

like age spots & wrinkles) Diabetes (doubles your risk) Cortisone/steroid use Sun exposure Previous eye injury Smoking

Treatment: When Daniel Paskowitz, MD, an ophthalmologist with credentials from Harvard and Johns Hopkins advises, “It’s not necessary to wait to remove a cataract until it’s so ripe that almost all vision is blocked.

In fact, if you wait too long, it can grow so dense that the operation becomes more difficult.” Eye surgeon Michael Raciti,

Treatment: How “There are no drugs, drops, glasses or exercises that can prevent or cure cataracts. The only effective treatment is to make an opening in the eye, surgically remove the cloudy lens (cataract), and replace it with an intraocular lens implant

T EYE

Cataract surgery is NOT performed in the office or on the day of your initial appointment. First, you must meet the surgeon and have preparatory tests done.

Once you and your doctor decide to proceed with surgery, you will have a comprehensive eye exam to see if any other existing conditions (such as glaucoma, diabetes, retinal detachment and AMD) could detract from your results. Your exam will also include a quick, painless ultrasound procedure to determine the prescription for the implant that will restore focusing ability in your eye.

Why Some People Hesitate “Some people think cataract surgery is unaffordable. They don’t realize it is covered by Medicare, Medicaid and most insurances. Others think they are too old or poor vision is just part of aging. The truth is that vision loss from cataracts is usally reversible, and cataract removal is one of the safest outpatient operations— even for the very elderly,” says Freedman.

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AUGUST 2015 • 50PLUS

Youthful decisions regarding employment

Will Wisconsin’s low wage growth discourage young people from taking jobs in the Badger State?

A recent report showed Wisconsin ranked 42nd in the United States in wage growth. Some who meet payrolls may think that is good news. Others, fresh with a new college degree or trade, may see the low rating as a warning sign.

Wage growth is but one measuring tool for economic activity – but it might be more of an issue for the young and those starting working careers than for older workers. Employers are bullish on the state’s economic future, but it remains unclear how Wisconsin compares to other states.

That issue was raised when President Obama spoke recently in La Crosse and drew comparisons between Minnesota where Democrat Mark Dayton is governor and Wisconsin

STATE CAPITOL COMMENT

By Matt Pommer

where Republican Scott Walker is in the governor’s chair.

Kurt Bauer, president CEO of STATEand CAPITOL Wisconsin Manufacturers and ComCOMMENT

By Matt Pommer merce, the state chamber of commerce, concedes Minnesota has a higher per capita income, a lower unemployment MOVING IN THE rate and a better educated population.

RIGHT DIRECTION

By Bruce Nemovitz But he suggested in a recent column that Wisconsin needed more time for Walker’s policies to take effect.

The Twin Cities have advantages over Wisconsin, Bauer wrote. Those MOVING IN THE RIGHT DIRECTION

Minnesota cities did not experience the “Great Migration” of some six million African Americans from the South who were recruited to factories in manufacturing centers of the Northeast and Midwest, particularly during MONEY SENSE the World War II era. “Milwaukee was

By Karen Ellenbecker Ellenbecker (a destination for those& Julie workers), as -Lipsky were Beloit and Racine.” That wave of workers between the 1910s and 1970s subsequently created neighborhoods disproportionately impacted by the later loss of manufacturingMONEY jobs toSENSE Asia,

By Karen Ellenbecker according to Bauer. & Julie Ellenbecker That left “a legacy of ipoverty Financial Fi l -Lipsky Wellness W ll and “Planting Tomorrow’s crime absent in Minnesota,” he wrote.

Dreams Today” Milwaukee also has a competition

By Brad Olson, CFP problem with Chicago and the Twin Cities.

Milwaukee “is geographically caught between a rock and a hard Financial Fi i lW Wellness ll place. The rock is Chicago and the hard APRON “Planting Tomorrow’s Emma Dreams place is Minneapolis-St. Paul,Today” both of STRINGS

By Brad Olson, CFP

By Aunt Emma

• 3A

which are major draws for coveted young professionals,” Bauer wrote.

Recent state policy decisions might be factors affecting a broad array of Wisconsin’s young people. The Republican-controlled state government adopted a right-to-work law barring future labor contracts that require union membership of the workers. The rightto-work law is seen as a way to limit the size of any future wage increases.

Wisconsin’s minimum wage law remains unchanged. While an increase in the minimum wage would largely impact entry-level wages, some suggest that it would eventually force employers to raise wage levels for lower managerial rungs.

The Legislature also enacted Gov. Walker’s proposed changes in tenure on University of Wisconsin System campuses. The budget bill language

EDITORIAL

EDITORIA

TRAVEL

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SENIOR

POMMERMan continued on page 15A Answer

2015 White House Conference on Aging AGING ISSUES

By Bruce Nemovitz

On July 13, 2015, the 2015 White House Conference on Aging (WHCoA) was held in Washington, D. C. If you blinked, you may have missed it. This year’s conference was the sixth such conference, which began in 1961 with subsequent conferences held in 1971, 1981, 1995, 2005, and 2015. I had the honor of attending the 1971 WHCoA as an observer, and as an appointed delegate of U.S. Senator Russ Feingold in 1995 and 2005. In the past, these conferences have influenced such major aging programs as the Older Americans Act, Medicare, Medicaid, the Elderly Nutrition Program, and the creation of Area Agencies on Aging.

This year we celebrate the 80th anniversary of Social Security, and the 50th anniversaries of Medicare, Medicaid, and the OAA, but I do not believe that this year’s WHCoA will have nearly the impact of past, conferences. In the past, these conferences were funded and directed by Congress with approximately 3000 delegates appointed not only by the President but also by every member of Congress, Governors, and national organizations. Past conferences were held over several days with major issues being developed and voted on by the delegates. The 2015

By Tom Frazier

AGING ISSUES

By Tom Frazier

PLANTING

TOMORROW’S WHCoA was very different from all the DREAMS TODAY other conferences.

By Brad Olson The main reason was that Congress did not appropriate a single penny for it nor did Congress provide any direction for 2015. As an aside, I believe it is a PLANTING slap in the face to olderTOMORROW’S Americans that DREAMS TODAYthe Congress has not seen fit to fund By Brad Olson 2015 WHCoA or reauthorize the Older Americans Act. It sends a message that SPORTS older adults are not a priority for ConBy Jack Pearson gress, at least to the leadership of Congress. As a result, the President tried to put together a one day conference on a shoestring budget with funding from donations. Conference staff developed issue papers around four SPORTS major themes,

By Jack Pearson and held regional conferences in Tampa, Phoenix, Seattle, Cleveland, and Boston. There were approximately 200 people selected to attend each of the regional forums, as well as the one day conference at the White House.

SENIOR IT MAKES ME Answer Man CRABBY

The main themes were Retirement APRON Security,Emma Long-Term Services and SupSTRINGS ports, Healthy Aging, and Elder Justice.

By Aunt Emma Elder Justice refers primarily to different forms of elder abuse, and Healthy Aging to having a good quality of life as older people live longer lives. The papers are good summaries of the facts and issues and can be accessed at the WHCoA website (www.WhiteHouseConferenceOnAging.gov). Another aspect of this “virtual” conference was “Watch Parties” held around the country that allowed thousands more people to observe the conference streamed live from the White House. I attended such a party in Milwaukee sponsored by the Milwaukee County Department on Aging.

The conference involved panels of experts speaking about the four themes that I found disappointing and even out of touch with the every day lives of many older people. For example, the Long-Term Services and Supports panel was only about caregiving and, while that is important, there are a lot more issues involved, and the panel on Retirement Security was primarily about the need to save more money for retirement. I believe the conference should have taken stronger positions

on protecting and strengthening Social Security, Medicare, and Medicaid all of which are under attack by various elements on Congress.

The highlight of the day, of course, was the speech by President Obama who, in my opinion, salvaged an otherwise boring affair. He talked about the importance of Social Security, Medicare, and Medicaid, and the positive influence that these programs have had, including the Affordable Care Act, which has saved seniors $15 billion on the cost of Rx drugs and extended the solvency of Medicare by 13 years. He outlined three goals: 1. Keeping Social Security strong, and not approving any changes that would harm future solvency, 2. Eliminating conflicts of interest from consultants who provide financial advice that is not always in the consumer’s best interest, and 3. Making it easier for states to establish savings plans Bynot Enishave Wrightaccess to for people who do retirement plans at work. He concluded by saying we need to “recommit ourselves to finish the work we started 50 and 80 years ago.”

Without the participation of Congress in the 2015 By WHCoA, the status Enis Wright quo now seems to be the best we can hope for.

IT MAKES WHITE ME CRABB HERMAN WRITES

ARTS HERMANENTERTAINMENT WHITE WRITES ARTS

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STATE CAPITOL COMMENT

By Matt Pommer Financial Fi i lW Wellness ll

4A • 50PLUS • AUGUST 2015

“Planting Tomorrow’s Dreams Today”

MOVING IN THE RIGHT DIRECTION

By Brad Olson, CFP

By Karen Ellenbecker & Julie Ellenbecker -Lipsky

TRAVEL COMMENT

IT MAKES ME CR TRAVEL

By Tom Frazier

By Bruce Nemovitz

EDITORIALS

Thanks for reading

Emma

APRON STRINGS

By Aunt Emma

By Karen Ell & Julie Elle -Lips

AGING By Matt Pommer ISSUES

SENIOR

Do you have any intelligent comments on life’s surprises?

I await your answer.

AARON COLE

Financial Fi i lW Wellness ll

Answer Man

“Planting Tomorrow’s Dreams Today”

MOVING IN THE

By Brad Olson, CFP DEAR SAM: DIRECTIONthe hills we We now have passed our date as bition to climbRIGHT successfully While we were chatting the othBy Bruce Nemovitz Financial Fi i lW PLANTING being golden citizens of Wisconsin.AGING have while meeting many of the nicest, DEAR AARON: “Planting Tomo ISSUES er day as weTOMORROW’S sat at the senior center, Our family settled in Hartland in 1960, friendliest people possible.

By Tom Frazier A man who lives nearby recentlyDreams Tod DREAMS TODAY about life remarked moving from neighboring Minnesota.

We thank our readers for the expe- a man next toByme MOVING IN THEhad one of the greatest surprises By Brad Olson Brad Olso ever.

APRON and all the surprises there are. I said As a newspaper writer, my eyes have riences they have allowed us, through Emma RIGHT DIRECTION are few very real surprises His pregnant wife birthed triplets. seen much, my ears have perhaps heard what they did or did not do, to chronicle that there STRINGS

By Aunt Emma By Bruce Nemovitz Try to top that surprise! more than they should have at times such over 55 years. While this writer’s and that a person’s unexpected death SENIOR ANSWER MAN and my typewriter (now computer) has aim is to continue as long as is humanly cannot be determined to be one.

AGING written many thousands of words about possible, it is hopeful to grow old withPLANTING ISSUES people, places and things in Southeastout giving up or in to weaknesses of the TOMORROW’S

By Tom Frazier DREAMS TODAY ern Wisconsin. mind and body.

Thanks again and may

By Brad Olson Emma Our time here has not been sacred, life treat you as nicely as you have me.

I have reason to be a bit crabby toposedly spend 21.3 hours each week in SPORTS but it has been spirited. We know that As we pass through elder status togethday as you may be when I share this research.

Students pay such high tui- By Aunt E we have not climbed the highest moun- er, when we reach the antique plateau,

By Jack Pearson information with you. I understand tion fees to be taught by other students, tains of journalistic successes. But we may we recall many wonderful years. are satisfied with the strength and amthat the average salary for a profes- then called graduate assistants. Do we AGING sor in the UW system is $123,500 per really want tenure continued? How PLANTING TOMORROW’S ISSUES SPORTS nine months in addition to benefits. Yet, much an hour is a long afternoon nap DREAMS TODAY

By Jack Pearson

By Tom only 47 percent of Frazier the costing the unsuspecting taxpayers?

By usage.

Brad Olson The faster we go, the more gasothe greater the fuel The age of the faculty theteaches WRIGHT Madison campus’ classes.

They supline that a vehicle uses. vehicle may also have some bearing on SIDE of With the new 70 mph speed limits fuel usage.

By Enis Wright on some Wisconsin roads with more Do you recall the good old times to follow, service station owners are when most people drove at the speed wearing broad smiles. People driving limit or less when it was 55 mph? We A fellow supposedly walked into a A great grandchild asked if many vehicles at 70 mph as opposed to lesser weren’t in a hurry to do nothing at our tavern called The Phoenix and said he people were selling their cars. Why? with Jim McLoone speeds use more fuel. It is a fact that the next destination. SPORTS wanted to talk to the Sphinx.

Because there are so many people sellBy Jack Pearson faster a vehicle moves along the road, FFFFF ing their garages, i.e., garage sales.

There’s a bit of gender biasPLANTING in getting FFFFF TOMORROW’S overweight.

A recent study showed that Why are so many people so exBy Enis Wright Have you ever considered how body language of those he or she deals DREAMS TODAY even male mice gained more weight cited to view fireworks displays? Yes, your facial expressions tell what you with will be on the top side of simple

By Brad Olson are thinking? And what you are think- understanding. Words, of course, con- than females and showed earlier signs they’re colorful, but there are so many ing could give away what your insights vey the person’s thoughts. But in these of fatty liver disease when eating the great uses for all that money that goes are at that particular moment; your atti- United States, we see more success- same foods. The male’s risk factor for up in flames in a matter of minutes.

FFFFF tude regarding what is being presented ful conversations started with a smil- cardiovascular disease, quite naturally, To measure our lives accurately, I to you at a specific time and place. Do- ing “hello” and with a firmly gripped also increased at a greater rate than it did for the female mice. I must won- believe we must survey the years and ing business with different people may handshake. bring various reactions when sealing a Except in a few foreign countries, der how they would survive on Greek determine our accomplishments and business deal. directly looking into the eyes of the yogurt, dry lettuce, and skim milk. For disappointments. There really aren’t Some facial expressions do more person you are talking with gives the proper weight management, a person any mulligans or do-overs.

Enis at Wright and more FFFFF than justByhint a person’s inner feel- other person the feeling that you are on must learn to eat less of that SPORTS While we were not in attendance, ings. A frown displays discomfort the level in what you are saying. Even of this. Which supermarket aisle is

By Jack Pearson we were told a beer at Summerfest cost even more quickly than a shrug of the in today’s electronic age, there’s noth- “This” in?

FFFFF $9.00 Was this price that high to keep shoulders or side-to-side shaking of the ing that beats personal communication. head. The person who understands the KILLING TIME continued on page 20A

HERMAN WHITE

IT MAKES ME CRABBY SENIOR Answer Man

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HERMAN WHITE WRITES

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SENIOR Answer Man

Speed and use of fuel

ME CRABBY

APRO IT MAKES ME CRABBYcalen STRIN

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Waste of life

With life as it is now in the city, so many of us are mournful. We are certainly disgusted with the many killings, the waste of life; the seemingly death march from womb to tomb. It pains us almost daily to view the setting sun, knowing that with such that the nighttime air could again be filled with the sounds of gunfire.

But every day we rise again, either shaking our heads in dismay or giving

the W S

thanks to God for a peaceful night.

We may grumble about this or that. But let us unite real efforts behind our police force. Out of hardship and, sometimes, questionable behavior on the parts of too many, it is time for Milwaukeeans to unite, to disclaim their prejudicial ways, to again reclaim the city as a haven of good government and satisfied residents.

Hartland, WI 53029

262-367-5303

HERMAN 60

ARTS

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AUGUST 2015 • 50PLUS

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• 5A

By Aunt Emma

6A • 50PLUS • AUGUST 2015

AGING ISSUES

By Tom Frazier

IT MAKES ME CRABBY

Social Security: The $64,000 question One of the most common questions people ask about Social Security is when they should start taking benefits. This is the $64,000 question. Making the right decision for you can have a meaningful impact on your financial income in retirement.

Before considering how personal circumstances and objectives will play into your decision, it may be helpful to preface that discussion with an illustration of how benefits may differ based upon the age at which you commence taking Social Security. As the accompanying chart reflects, the amount you receive will be based upon the age at which you begin taking benefits.

MONTHLY BENEFIT AMOUNTS BENEFIT AMOUNT* AGE

62 63 64 65 66 67 68 69 70

$750 $800 $866 $933 $1,000 $1,080 $1,160 $1,240 $1,320

Based on the Age that Benefits Begin¹

PLANTING TOMORROW’S DREAMS TODAY

By Brad Olson

*This example assumes a benefit amount of $1,000 at the full retirement age of 66.

At first blush, the decision may seem a bit clear-cut: Simply calculate the lifetime value of the early benefit amount versus the lifetime value of the higher benefit, based on SPORTS some assumed

By Jack Pearson life expectancy.

The calculation is a bit more complicated than that because of the more favorable tax treatment of Social Security income versus IRA withdrawals, spousal benefit coordination opportunities, the consideration of the surviving spouse, and Social Security’s lifetime income guarantee that exists under current law.² Here are three ideas to think about when making your decision: • Do You Need the Money?

Retiring before full retirement age may be a personal choice or one that is thrust upon you because of circumstances, such as declining health or job loss.

If you need the income that Social Security is scheduled to provide, however reduced, then taking benefits early may be the only choice for you.

• Consider the Needs of Your Spouse If your spouse is expected to depend on your Social Security income, it’s important to remember that, based on current life expectancy tables, females will likely live longer than males. Consequently, the survivor benefits the spouse receives may be reduced substantially if you begin taking benefits early—a penalty with which the spouse may be burdened for many years to come.

• Are You Healthy?

The primary risk in retirement is living too long and running out of money. The odds of living a long life in retirement argues for waiting at least until you reach full retirement age so that you receive a full benefit for as long as you live. However, if your current health is poor and/or you have a strong family history of premature death, then starting

early may make sense for you.

There are several elements you should evaluate before you start claiming Social Security. By determining your priorities and other income opportunities, you may be able to better decide at what age benefits makes the most sense.

What about the future of Social Security?

If you’re skeptical about the future of Social Security, you may be inclined to take benefits as early as you can under the assumption that a bird in the hand is better than nothing. Healthy skepticism is understandable.

One scenario we might see (besides benefit reductions and tax increases) is means testing, where the amount of benefits could vary depending on income, assets, or some other measure of wealth.

This could result in a middle-class

By Enis Wright squeeze: The wealthy aren’t eligible, but are fine on their own and the needy are entitled to receive full benefits, but those stuck in the middle get something less than hoped for. In any event, waiting to receive benefits would still result in a larger check, all else being equal.

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AUGUST 2015 • 50PLUS

Finding the right person to help you

BY TOM MARGENAU My wife and I recently decided to leave the dark ages and join the rest of the always-connected and always-online world. We got smartphones! Oh, we’ve been using computers ever since they became popular and we’ve had a series of iPads almost since the time they first came out. So we are not complete Neanderthals when it comes to the world of technology.

But we thought we could get by with our cheap and old-fashioned no-contract, no bells and whistles cellphones for the rest of our lives. That was, until we watched in almost constant envy as our kids and grandkids did all these amazing things with their iPhones and Androids. We finally decided to bite the bullet and get connected.

I did a fair amount of research and thought I had a pretty good idea about which phone and which data plan I wanted. Off we went to the local outlet of a well-known big-box electronics chain. With my wife by my side, I wandered around their smartphone display until a pleasant-looking young woman finally asked me if I needed some help.

I eagerly said yes and started asking her questions.

But then, almost immediately, things started to go downhill. Every question I asked was met with some hemming and hawing. Every answer she gave was delivered with hesitation and trepidation in her voice. She constantly seemed to be looking around as if she needed help from another associate. We eventually sat down at a little desk. As I asked more questions, she leafed through a brochure looking for answers that never seemed to come.

My wife and I looked at each other and rolled our eyes. We finally made some excuses and got up and left the store -- dejected and discouraged.

Long story shortened: We went to a different store on the other side of town and found a clerk who was extremely knowledgeable and helpful.

We left that store with two bright and shiny smartphones and now we have the whole world in the palm of our hands!

So by now, you may be asking yourselves: “Isn’t this a Social Security

column? What does all this smartphone business have to do with my retirement benefits?� Well, my little episode with the unhelpful big-box store clerk got me to thinking about emails I sometimes get from readers telling me about unproductive and unhappy experiences they have had at their local Social Security offices. I am now much more able to empathize with these folks.

Before I go any further, I must point out that the majority of people visiting their local Social Security Administration offices get good service and have pleasant encounters with SSA representatives -- just as the majority of customers visiting big-box electronics stores leave those establishments happy and satisfied. But sadly and realistically, in both cases, not always.

And of course, the likelihood of running into problems increases with the complexity of the situation. For example, if you go into a Social Security office to replace a lost Social Security card or even to file a simple claim for retirement benefits, the chances are very good that you will leave with a smile on your face. But if you have a more complex situation, especially if you want to employ one of the benefit-maximizing strategies so popular today (and that I’ve discussed umpteen times in this column), then you’ve got to cross your fingers and hope you get a representative with some experience who knows what he or she is doing.

Just as I had done a bit of research about smartphones before going into the big-box store, I am sure most people going to a Social Security office to file and suspend or file and restrict (two different maximizing plans) have also done research and have somewhat of an idea of what they want to do. But even with all that planning, smartphone buyers and Social Security applicants still need help to reach their goals.

I didn’t get it at the big-box store.

And sadly, sometimes prospective retirees don’t get it at their Social Security office.

So if that happens to you, what can you do? If you sense that the Social Security representative initially assigned to you is not familiar with whatever you are trying to do, ask to speak to a MARGENAU continued on page 15A

• 7A

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8A • 50PLUS • AUGUST 2015 KNAP continued from page 1A

Mr. Knap, 95 now, is a widower, and since last fall has resided in the Shorehaven Lake Shore Apartments in Oconomowoc. He walks very slowly now, uses a cane, is a bit stoop shouldered and his hair, once a jet black mane, has turned white as snow. It’s what you would expect at his age.

But appearances can belie so much. What a fantastic career the man has enjoyed; the things he has accomplished; the powerful people he has known; the awards he has won. It is all quite difficult to believe. I spoke with him at length, spent considerable time in a library and on the Internet researching the man, and I’m still shaking my head in wonder.

The headline noted his association with presidents. Let’s check out that aspect. We see our U.S. presidents almost every day of the year, in newspapers, magazines, on television, all over. Their faces are as familiar to us as the most famous motion picture stars or the greatest athletes. Back in our school days we had to memorize and recite all their names, in order.

Remember that? But have you ever known a U.S. president, personally?

Has any president ever been aware of your existence enough to call you by your first name? I’ve been a journalist for longer than I care to say and have interviewed many political figures, but the closest I ever came to a U.S. president in office was back in the mid-‘70s when I said hello to President Gerald Ford when he visited the Milwaukee Press Club. Of course, about 200 other Press Club members said hello to him at the same time. You get my point; a roundabout way of indicating how unusual Knap’s story is.

The man knew nine U.S. presidents; six of them when they were in office. When I use the word “knew” I don’t mean knowing someone casually, like perhaps a neighbor you see occasionally walking down the street.

Knap’s relationships with those presidents were close and personal. The presidents all knew Knap well, called him by his first name, invited him into their homes as well as along on campaign travels and on trips to foreign countries.

He was invited by President Lyndon Johnson to fly with him to meetings in war-torn Vietnam; by President

Ted Knap is pictured with then President of the United States, Gerry Ford at a golf tournament.

Knap was a sought-after assistant.

Gerald Ford to go to China with him;

by President Ronald Reagan on a trip to the Vatican in Rome to visit the Pope;

by President Richard Nixon (one president he didn’t always see eye to eye with) to accompany him on a trip to Moscow; and on an around the world tour with President Jimmy Carter.

How could all this be possible, you might ask? It would seem that Knap, at one time, had to have been an extremely wealthy and powerful lobbyist. How else could he have gotten so close to all those presidents, some Democrats, some Republicans? That would seem to be the answer; but it’s not.

He was, rather, a political writer and White House Correspondent for Scripps Howard newspapers. A White House Correspondent is a journalist who works for a major newspaper or a newspaper chain, like Scripps Howard, and whose prime responsibility is covering the White House. That means everyone connected to the White House; presidents, of course, but also members of Congress and others areas, and everything all those individuals are doing, anywhere in the world. Scripps Howard was one of the major newspaper chains in the world then, and operated more than 20 papers. Knap was not only one of those correspondents, he was one of the best. He was president of the White House Correspondents Association in the early ‘70s. That was a very crucial time, as you may recall, one of the most turbulent periods in the history of this country that included Watergate, impeachment proceedings, a presidential resignation, a pardon and a new president. Knap’s position then in Washington was akin perhaps to being a sports writer in Green Bay back

in the early ‘60s, the Lombardi era. He was in the right place at the right time.

More than that, actually; Knap didn’t just write about the political scene then, he was part of it.

If you’ve read the Waukesha Freeman or the Oconomowoc Enterprise recently, you may have seen well written articles about Knap in both of them.

Knap’s first job in the newspaper business was with the Freeman back in the ‘40s, and as noted, he now resides in Oconomowoc. 50 Plus Publisher Maureen Slattery determined that a feature about Knap would be appropriate for this publication as well. In addition to Knap being a 50 Pluser and more, the circulation area for both of those other papers is limited to only Waukesha County, whereas, 50 Plus is read by seniors in many southeastern Wisconsin counties, and they, too, would be interested in Knap’s story. Thus, here it is.

In addition to his work as a White House Correspondent, Knap was also the author of the nationally known White House Watch column, which was syndicated to 145 newspapers across the country. Many of Ted’s assignments took him far from Washington. On August 24, 1967, for example, he was on the deck of the USS Hornet carrier when the first astronauts to walk on the moon returned to earth in a splashdown in the Pacific. He loved sports, and was reportedly an avid golfer. He interviewed boxing greats such as Jack Dempsey, Rocky Marciano and Jersey Joe Walcott. He interviewed Princess Grace of Monaco, as well as Elizabeth Taylor, Shirley Temple Black and Shirley MacLaine. He was one of the only American journalists to speak Polish to Pope Paul II in

their meeting. Long after she had been the First Lady, he twice interviewed Eleanor Roosevelt.

Knap’s skills in writing and his love of the political scene began early in his life. As a junior at Messmer High School, he was given an assignment by his journalism instructor to write a story involving politics. Young Ted took it upon himself then to hop on a bus going to Chicago, where he sat in on the 1936 Democratic Convention. His resultant story earned him an “A” back in class. In fact, nearly all of Ted’s grades in high school were A’s.

His English teacher, noting this, helped him earn a scholarship to Marquette University’s School of Journalism.

“Which was wonderful,” he recalled.

“My parents never could have come up with the cost of tuition. By the way, I was ‘a streetcar student.’ That’s what they called us, students who came to school and returned home later via the old streetcars. Most people in Milwaukee today have no recollection of the days when we had streetcars.” Four years later, armed with his Journalism degree, Ted took that job with the Waukesha Freeman as a reporter. He got two years in before getting a call from Uncle Sam. World War II was raging, and Ted went into the army.

Discharged after the war ended, he got his old job back at the Freeman.

He soon moved up the ladder and became the paper’s city editor. But he was looking for bigger things and, in 1950, moved on to the Indianapolis Times, which was a Scipps Howard paper. Within a short time, he became the paper’s star reporter, and won a number of journalistic awards. He also was credited with a story that exposed a major scandal involving the Indiana Highway Department, which resulted in three state officials being sent to prison.

After 13 years on the paper, Knap was sent to Washington to become the White House correspondent for the Indianapolis Times and the Evansville Press, both Scripps Howard newspapers. Three years later, in 1966, he was promoted to the national staff, and then in 1973 to the presidency of the White House Correspondents Association.

Knap also was given some dubious notoriety during Nixon’s presidency when it was learned that Nixon had an “enemies list,” and that Knap

AUGUST 2015 • 50PLUS

was on it. “I never really learned why I got on it,” he said. “It might have been because I pestered him so much about his so-called secret plan to end the war in Vietnam.” Nixon’s legacy, unfortunately, will always be dominated by the Watergate scandal, Knap noted. “But in truth, he was a brilliant man, and was responsible for many things that benefited the country and the world,” Knap said.

A few of the major stories Knap covered during his White House years included the 1963 March on Washington and Martin Luther King’s “I have a dream” speech; the funeral for President John F. Kennedy; Lyndon Johnson’s passage of the Great Society programs; Robert Kennedy’s 1968 campaign for the Democratic presidential nomination and his subsequent assassination; the Watergate issue, of course; President Gerald Ford’s pardon of Nixon; and Jimmy Carter’s 1976 presidential campaign.

When Knap came to Washington in 1963, John Kennedy was in his second year as President. “I didn’t have too many opportunities to get to know him,” Knap recalled. “Only those few short months and then he was gone.”

Knap was, of course, referring to the assassination in Dallas in November.

“I do have a photo of the two of us, which I dearly cherish.”

The presidents during Knap’s ten-

ure as a White House correspondent were: Kennedy, ‘61-‘63; Johnson, ‘63‘69; Nixon, ‘69-‘74; Ford, ‘74-‘77; Carter, ‘77-‘81; Regan, ‘81-‘89; and Bush, ‘89-‘93. He has photos of himself with all of them, as well as with Truman and Eisenhower, who had already completed their terms when he knew them.

After he retired in 1985, Knap and his wife, the former Eleanor Knoebel of Waukesha, continued living in their home nearby in Virginia. She died in 2011, and they had no children.

I asked Knap what he considered his best work. Surprisingly, it didn’t involve Washington doings. It was, rather, back in his days with the Indianapolis Times when his stories exposed the Indianapolis Police Department’s practice of hiding the great number of crimes committed in the city under a separate heading titled “under investigation.” By failing to list crimes, even murder, the department was able to claim a reduction in the crime rate.

In addition to those photos with the presidents, Knap also has many with other political figures, and with sports and entertainment world notables. He has them all mounted and framed, and they cover the wall in one of the rooms in his apartment. As we stood in front of them, he gave me a brief recap of the circumstances involving all of them.

He paused the longest in front of Hu-

Ted Knap and his personal “Wall of Fame,” on one of the walls of his Shorehaven apartment. The “Wall” includes photos of him with nine different U.S. Presidents and with many other world famous celebrities.

• 9A

Ted Knap worked with seven U.S. Presidents during his tenure as a White House Correspondent. Here he is with one of them, President Richard Nixon. bert Humphrey, who was a presidential candidate at the time. “I spent a lot of time with Mr. Humphrey,” Knap said.

“I really liked him and I was sorry that he didn’t make it. He would have made a fine president.”

I then asked Knap if I could take two or three of the pictures and have them reproduced, to use with the story I was writing about him. “Absolutely not,” he shouted. “You can’t reproduce them and I don’t even want you to touch them. Nobody touches them.” I was astounded at the change in his demeanor. Obviously, he values the pictures very highly. I smiled to myself, thinking of the old Jack Benny joke.

An armed burglar breaks into Benny’s house, points a gun at him and yells, “Your money or your life?” Benny gives him that cockeyed look and replies, “Allow me a few minutes to decide, will you?” I think Knap’s love of those pictures is even greater than was Benny’s love of money.

So I thanked Knap for his time, and started to walk out. But as I neared the door, he said, “Wait a minute. Wait a minute. Come on back here. We haven’t talked about my brothers and my sister. They’re very important to this story.”

I walked back in with him. “Remember I told you my parents were quite poor, and we lived in a poor neighborhood,” he said. “None of the kids from any of the other families there ever went to college. None.

As soon as they graduated from high school, they had to get jobs to help support the family. Well, my brothers and

myself and my sister, too, all would have done the same thing. But my father would have no part of that. He said we were all going to get an education, and by golly, we all did. My brother Tony was a fine football player and got a scholarship to go to the University of Idaho. Later, he became a successful high school coach. My brother, Harry, went into the service, and got an engineering degree later on the GI Bill.

My other brother, Florian, went into the Navy and then went to college on a Naval scholarship. And my sister, Helen, went to business school. No other kids from our neighborhood went on to college, but all five of the Knap kids did. Don’t you think that’s fantastic?”

I took a couple of pictures of him with my little camera and said goodbye again. I wasn’t quite happy with my efforts. I wish I could have obtained copies of all those tremendous photos of him with Kennedy and Nixon and Ford and all the other presidents to use with this story. I also wished I could have coerced him to smile. You’ll note in the photo I took of him that he does not smile for photographs. A tough guy, even at age 95. What a terror he must have been 70 years ago.

50 Plus News Magazine

10A • 50PLUS • AUGUST 2015

Is it time to consider a financial professional?

The following article is provided by AARP Wisconsin and written by Jean C. Setzfand Spring is a great time to get your finances in order. You may want to review your 401(k) statement to see if you’re on the right track with your investments and contributions, think through ways to spend down credit card debt, or even figure out how to finance a short term goal, like buying a car.

A lot of people go the “do it yourself” route when it comes to financial planning. There is no right or wrong way, so decide what works best for you and go for it. If you choose to manage your finances on your own, AARP has helpful online information, tips and resources for you. Start today at www.aarp.org/money.

TYPES OF FINANCIAL PROFESSIONALS You’ll come across dozens of designations for financial planning professionals. Be aware that some designations are no more than a series of words that sound good together. For example, some people in the field of finance put themselves out there as specialists for seniors. Many don’t have any formal training or certification as senior specialists, so you can’t rely on the title.

To look up a designation and find out its meaning, check the Professional Designations Tool at www.finra.org/investors. FINRA is the securities industry self-regulating body.

Here are the basics about some of the “standard” financial professionals you’ll come across: Investment advisers generally provide investment advice to their clients and manage their investments. The Securities and Exchange Commission (SEC) typically regulates investment advisers, as do state securities regulators.

Brokers traditionally buy and sell securities, such as stocks,

bonds, mutual funds and the like for their clients. The SEC and state regulate brokers, and they must be members of FINRA. Insurance agents can help you with your insurance needs, such as life, property and longterm care insurance. “Captive” insurance agents sell the products of only one company, while independent agents can offer products from many companies. State insurance commissions regulate insurance agents.

Certified Public Accountants (CPAs) can offer a variety of accounting services such as tax preparation and financial planning.

CPAs are licensed by the state after meeting education and experience requirements.

Financial planners generally take a broad view of your financial affairs. The most comprehensive financial planners assess every aspect of your financial life, including managing your investments.

The financial planning profession doesn’t have its own regulator, but planners may be regulated based on the services they offer. For example, the SEC would regulate a financial planner who is also an investment advisor.

Certified Financial Planners (CFPs) earn this special designation by meeting educational requirements and passing a comprehensive certification exam.

These professionals are held to a code of ethics that, among other things, puts their clients’ interests above their own. As with financial planners, CFPs take a broad view of your financial situation, and are regulated based on the services they offer.

HOW THEY GET PAID Financial professionals receive compensation in a variety of ways.

Before you hire anyone, make sure you understand how that person gets paid. A financial professional may:

● Charge a percentage of the value of the assets they manage for you (for example, 1%) ● Charge an hourly fee for the time they spend working for you ● Earn a commission (a fee for selling a certain product) ● Draw a salary ● Some combination of these Each method has potential benefits and possible drawbacks, depending on your needs. For example, someone who makes money solely on commission for selling products may not have your best interests in mind.

FINDING A FINANCIAL PROFESSIONAL Ask family or friends to help gather two or three names of financial professionals, and set up appointments to talk with each of them. Ask for an in-person meeting. If any of them tries to get you to just talk by phone, cross them off the list. You want to talk to someone who is eager to work with you.

Think about what you want out of your relationship, and be ready with a list of questions of your own. Here’s a list of 10 questions* to take with you.

• What experience do you have working with people who are like me?

• Do you have any special areas of expertise?

• What licenses do you hold?

Are you registered with the state, SEC or FINRA? If so, in what capacity?

• What relevant professional designations do you hold?

• How long have you been with your current firm? Where did you work before?

• What investment products and services do you (or don’t you) recommend to your clients? Why? • How much will I have to pay for your services? What is your usual hourly rate, flat fee or commission?

• Do you or your firm impose

any minimum account balances? If so, what are they? And what happens if my holdings fall below the minimum?

• How frequently will we meet to discuss my portfolio and the progress we are making toward my investment goals?

• Who else in your office will handle my account? *Adapted from www.finra.org/ investors After the interviews, compare the answers you received.

Think about each professional’s approach. Did she discuss financial issues using language you could understand? Do you think she understands your situation well enough for you to entrust your personal information and your future?

And most important, did you feel a connection? You may be working with this person for years to come, so it’s important you’re comfortable with what she has to offer – and how she offers it.

Jean C. Setzfand is Vice President of the Financial Security issues team in the Education and Outreach group at AARP. She leads AARP’s educational and outreach efforts aimed at helping Americans achieve financial peace of mind in retirement.

HAVE YOUR SAY -

AARP thinks financial advisors should work just as hard to protect your retirement savings as you worked to earn them.

Bad actors on Wall Street can now give financial advice based on what’s best for their pocketbook, not yours. AARP is fighting for a higher standard that holds bankers, brokers and insurance agents genuinely accountable to you. To join AARP and its allies, sign a petition to close the retirement advice loophole at aarp.org/loophole

AUGUST 2015 • 50PLUS

SUTTER continued from page 1A

Now an East side Milwaukee resident, Sutter doesn’t seek out things to occupy his time as volunteering positions seem to jump into his willing grasp. But we must tell you that this very willingly, helpful person didn’t have the time for these beneficial activities until his beloved wife, who suffered with Alzheimer’s disease, passed on to her great reward.

Watching and helping as he could as he saw her life slowly disintegrating, was a difficult time in this otherwise happy man’s life.

Sutter, who now wears a broad smile more easily than he did a white shirt and tie in his business years, wasn’t as interested in having his life’s story told in this magazine as he was the morning of the interview to get to his voluntary job at the Waukesha Food Pantry where he stocks shelves twice weekly.

As for living on Milwaukee’s Prospect Avenue and doing much of his volunteer work in Waukesha (Except that he is a docent at the Milwaukee Art Museum, an usher and/or bartender for the theater groups, and volunteers at the zoo in summer and Old World Wisconsin), Sutter said, “I lived in Waukesha for many years, have wonderful friends there. It was great to me as I lived and worked there and I really just wish to give back (We added, through time and talent). He added, “Waukesha still does and always will mean a lot to me.”

Terry said, “I am in good health and wish to do more with my life than play golf, tennis or go fishing.

Because of his remarkable vision of life, zeroed in on helping others, plus his solid track record as a banker, Sutter quite naturally has been a solid and sought after candidate for various charitable organizations’ boards of directors. He has served on several over the years with a director’s role over six of his 10 total years with one important group.

Terry Sutter has been interested in serving the needs of others as best as he can since he was at Marquette and learned that helping others is what life is all about. He has both his four-year degree and an MBA from MU. With two grown daughters successful in their chosen careers, Sutter was faced with a somewhat solitary

life after his wife’s untimely death.

He realized quickly that he could not or would not just sit idly by for his remaining years.

The value of this decision on his part is seen via his work in and for Interfaith senior programs, Food Pantry of Waukesha County, Waukesha County United Way, Alzheimer’s Association of Southeastern Wisconsin, Waukesha Civic Theater, Milwaukee Art Museum, The Rep, Skylight, Women’s Center, Milwaukee Zoo and Old World Wisconsin. He often has served effectively on boards of directors and did whatever was asked without shirking any duties that needed to be done. We’re told that Sutter, not really thought to be the “hawking” type, even sold an estimated 5,000 raffle tickets to help raise dollars for various charitable groups.

As Kathy Gale of Interfaith in Waukesha says, “He has a heart of gold. We salute him and thank him for his many years of excellent service and his example of what can and should be done with retirement time.”

It is almost every person’s wishes that this man will continue with his eagerness to help the less fortunate for which he recently was recipient of the coveted Edmund J. Vaklyes, Jr. Memorial Award in recognition of Sutter’s work in support of seniors, adults with disabilities and those who need help.

Vaklyes, in a way to further honor Sutter, was an attorney who spent much of his time dedicated to the needs of senior adults with disabilities and their families.

What a great person to receive this award!

We applaud Terry Sutter, wish him well and also know that he’s not just one of a kind, but a person not found in everyday dealings. There may be others out there, but, in particular, where are you?

Thanks to you, Terry Sutter, for being the faithfilled, kind, generous and intelligent person you are.

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Weight loss in the elderly, irrespective of the cause, is a harbinger of poor health By: Dr. David Lipschitz The worldwide epidemic of obesity is recognized as a serious health threat, contributing to a higher risk of diabetes, heart disease, cancer, severe osteoarthritis and back pain, physical disability at a younger age and a shorter life expectancy. Furthermore, obesi-

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feet tall is more likely to be overweight than a person of the same weight who is 6 feet tall. The BMI is calculated by dividing the weight by the height squared. A BMI between 19 and 25 is considered to be of normal weight, and over 30 is obese. Between 25 and 30 includes individuals, who are overweight but not obese.

It would seem likely that life expectancy would be longest in normal weight individuals. However, this is not the case as the longest-lived are those in the overweight but not obese group. This particularly applies to anyone over 75 where the greater your weight, the longer the life expectancy.

And weight loss, whatever the cause, must be taken seriously as it is always a major predictor of poorer health and shorter life expectancy.

Often weight loss is the first and only manifestation of an illness. But in frail older persons over the age of 80 and despite an extensive evaluation, no cause for the weight loss can be found.

This condition is often referred to as “failure to thrive” and virtually no intervention leads to weight gain. It also indicates a substantially shorter life expectancy.

Only if a correctable cause for weight loss can be identified is there hope for significant improvement. The most common causes are drugs, depression and disease. It is remarkable how many medications can lead to weight loss. These include medications used to treat depression, heart disease, and many other common conditions.

Medications causing weight loss are so common that a physician or pharmacist must review every medication taken and discontinue those affecting appetite.

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Depression is a common cause of loss of appetite leading to weight loss.

Symptoms can be difficult to identify, and if there is even the slightest impression that the patient is depressed, therapy with antidepressants and psychotherapy can be greatly beneficial.

Interestingly, even though many of the drugs used to treat depression suppress appetite, addressing the root cause of the depression can help patients readily gain back any lost weight.

Many diseases are associated with weight loss. These include serious infections, immune diseases and cancers. A careful history, physical examination, laboratory tests and appropriate X-rays and imaging studies are required to identify illness, such as tuberculosis, various illnesses associated with joint pains and many cancers.

If a specific illness is identified and treated properly, weight gain will frequently occur spontaneously. However, in patients diagnosed with chronic conditions that are not curable, gaining weight becomes a challenge. Every effort must be taken to increase calorie and fat intake. In general, this means a high-fat, high-protein diet. This includes full cream ice cream, fatty meats, bacon and eggs or chocolates.

Fried foods are better than grilled, and always avoid “empty calories,” such as candy or sodas. Nutritional supplements can be of value as well. The supplement chosen should have the highest fat and calorie content possible.

Another important recommendation is to graze rather than have big meals. Slowly sipping a supplement or milkshake over a few hours will not lead to satiety as quickly as consuming 12 ounces in a few minutes. The slower you eat over time, the more calories consumed over 24 hours.

And finally, there is compelling evidence that without exercise and physical therapy aimed at increasing muscle, effective weight gain will never occur. And sadly to date, there are no medications that help stimulating appetite that are effective.

Many of my overweight patients over the age of 75 still are willing to try anything to lose weight. Sadly, at this age it is better to be pleasantly plump than shedding pounds that are likely to lead to ill health.

AUGUST 2015 • 50PLUS

• 13A

Japanese TV interview

WAR TIME DOCUMENTARY: Wounded during the invasion of the Japanese Pacific island stronghold, Iwo Jima, Clayton Chipman, a wounded Purple Heart survivor, was interviewed July 18 in his Brookfield home, for his thoughts and opinions about the invasion. His extensive interview will be part of a Japanese television documentary concerning that ultimately successful U.S. invasion. Two Japanese TV station persons, Akito Sasatgwa and Masamitsu Seno, a reporter and photographer plus American journalist Paul DiMartino, of Brooklyn, NY, interviewed Chipman over several hours. He is pictured here, as he detailed the advancement of U.S. marines over the island’s difficult volcanic ash covered terrain while under almost constant fire from the well-fortified Japanese defenders.

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14A • 50PLUS • AUGUST 2015

Happy and successful marriages!

BY DOUG MAYBERRY : After she finishes college in September, our oldest granddaughter is planning to marry. She is very much in love, and is looking forward to becoming a good wife and mother.

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We have been happily married for 43 years and she has asked for suggestions that can work for her marriage.

We are making a list.

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WHAT WOULD YOU INCLUDE IF YOU ALSO MADE A LIST? : Being realistic and choosing a positive attitude would head my list. Relationships are a work in progress and have their fluctuations. A marriage in which both partners trust each other is a major commitment. Should that trust be broken and they prefer to reunite, it takes patience and forgiveness to do so. A normal day as a married couple contains ups and downs. However, focusing on long-term implications is a must.

Partners need to remind themselves why they fell in love and the importance of continuing to do so. If either partner chooses a path of indifference and neglect of the other, trouble lies ahead.

They can keep it alive. Becoming a responsive lover, continuing to be trustworthy, practicing good health, exercising regularly and keeping secrets confidential are priorities.

Both partners need appreciation and flattery, and if neither receives it, they are more likely to seek it elsewhere. They should rely on each other for humor and happiness, and should each carry their share of the domestic responsibilities.

Believe the old adage that in arguments, which happen, both partners must have the chance to express their opinions, but NOT both at the same time. Each should wait for his or her turn before choosing a retort. Try never to let the sun go down with anger or grievances. Be patient for another day as difficult as that may seem at the moment.

Your granddaughter and her fiancé can review these along with your own

A

tips and have the rules of the game for a happy and successful marriage!

COMMUNICATION WAKE-UPS! : I love my husband, and always will, but I often get frustrated because he does not do much talking. We have our small arguments. He is always thinking, doing the crosswords, watching sports on TV and generally keeping himself busy and involved with his activities.

My major issue is that I believe he is too self-satisfied and self-absorbed.

We have two wonderful grandchildren, six and eight, and I love and enjoy bonding and experiencing their growing up. My husband is not as enthusiastic as I am. He prefers to stay home, and I go to see the kids by myself.

HOW CAN I GET MY HUSBAND MORE INVOLVED? : Open up a discussion with your husband as to attachment parenting and what grandchildren need. Emotionally, it is considered of vital importance that grandparents and grandchildren bond, as this helps shape a child’s perspective of what normal relationships are like.

Also, grandparents can be great sources of parenting solutions and affordable care for their grandchildren.

Grandparents can also bring their grandchildren emotional closeness by regular social contact. And grandchildren help us to become immortal, in a way, by carrying on our memories and legacies to another generation.

The bottom line: explain to your husband that grandchildren can benefit by bonding, observing family values and increasing their sense of security and sharing your love!

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OLSON continued from page 6A If you’re really worried about the future prospects for Social Security, that’s all the more reason to save more for your own retirement—even if it means spending a little less now. Regardless of how much is left when you’re set to retire, wouldn’t it be nice to treat your Social Security benefit as icing on your retirement cake, rather than the main course?

Please free to call Brad, President of Oak Tree Financial Services, directly with any financial planning and investment questions or suggestions for future article topics at 262-6499202, or email him at brad@otfsllc.com.

Securities offered through Questar Capital Corporation (QCC) Member FINRA/SIPC. Advisory Services offered through Questar Asset

MARGENAU continued from page 7A

supervisor.

Actually, this is advice I have always given. But after my big-box experience, I realize this is easier said than done. After all, I could have asked to speak to my unhelpful clerk’s superior. But frankly, I would have felt uncomfortable doing that. That’s why my wife and I left the store and we went to another place.

I realize that when it comes to dealing with your local Social Security office, you can’t get up and leave and go to the competitor across town! (Although if you live in a bigger city with more than one Social Security office, you could go to another office in your area.)

I also realize that setting up your retirement benefits for the rest of your life is way more important than buying a smartphone. That’s why even meek and mild-mannered me would have no POMMER continued from page 3A

gives the Board of Regents the power to lay off or dismiss staff based on budgetary changes.

At other major universities, tenured faculty can be laid off due to financial emergencies or changes in educational programming. Madison Chancellor Rebecca Blank, who sought a veto of the language, said Wisconsin’s recent changes would hurt the ability to recruit and keep top educators and researchers in the national market for intellectual talent. These are the people who attract millions of dollars in federal aid and private grants, as well as draw students who want to attend a particular campus because of particular programs or academic expertise.

Wisconsin also has changed the so-called “prevailing wage rate” which

Management (QAM) A Registered Investment Advisor. Oak Tree Financial Services, LLC is independent of QCC and QAM. Certain insurance activity is independent of QCC or QAM. The information in this article is not intended to be insurance, investment, tax or legal advice. You are encouraged to seek tax or legal advice from an independent professional. The content is derived from sources believed to be accurate. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security or insurance.

• Social Security Administration, 2015 • Withdrawals from traditional IRAs are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. Generally, once you reach age 70½, you must begin taking required minimum distributions.

problem asking to speak to a supervisor if I felt any bit of unease about the service or advice I was getting from a Social Security rep about my plans to maximize my Social Security benefits.

So that’s what you should do, too.

There is one other fallback position you have as a Social Security claimant that I don’t have as a new smart phone user. If I learn I actually made a huge mistake buying the phone and service plan I did, to the best of my knowledge, I’m stuck with it -- at least through the contract period. But if you learn you made a mistake involving your Social Security claim, you have a year to change your mind and withdraw your claim and start all over again with a new plan and hopefully with a better-informed SSA rep.

If you have a Social Security question, Tom Margenau has the answer.

Contact him at thomas.margenau@ comcast.net. determined hourly pay rates for large public-sector construction projects.

That could lower both the cost of the projects and the amount earned by the construction trades.

In 2011, Wisconsin gutted most provisions of public employee labor law. Walker has bragged in campaign stops in Iowa that it’s now easier to fire teachers in Wisconsin. Teaching opportunities may increasingly end up in private schools. The new state budget provides more taxpayer money for private voucher schools with lower pay schedules.

Bauer wrote “business optimism is sky-high” in Wisconsin. Yet young people may focus more on wages than the employers’ enthusiasm for the GOP policies.

AUGUST 2015 • 50PLUS

• 15A

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On the road again

BY CHARLYN FARGO For most of us, eating healthy on the road can be challenging. There’s the temptation of snacking, trying foods that may or may not be healthy choices or settling for fast food.

The July 2015 Environmental Nutrition newsletter offers some strategies for summer travels.

1. Pack some healthy choices to take with you whether you are traveling by train, plane or automobile. Use a small insulated cooler with ice for perishables. Make sure snacks and meals include good sources of fiber and protein. The fiber slows digestions, helping you stay full, and the protein is filling and can help curb overeating later.

2. Choose lean proteins such as lean jerky, string cheese, hard-boiled eggs, Greek yogurt, hummus or nuts and seeds. Research shows that high-quality protein can improve satiety, control weight and prevent chronic disease.

3. Add a fiber-rich food such as dried or fresh fruit, fresh vegetables, precooked oatmeal, whole grain crackers or popcorn.

4. When dining out, look for better sandwiches -- those with lots of vegetables, grilled chicken or turkey and hummus. Or choose a healthy salad with colorful vegetables, grilled chicken, beans, nuts or seeds and the dressing on the side.

5. Beware of descriptors like crispy, crunchy, battered, breaded or tempura.

6. Be sure and hydrate with water or tea (mint tea can help an upset stomach; chamomile tea soothes anxiety).

7. Make your own homemade trail mix with dried fruit, nuts, seeds and high fiber cereal.

Q AND A

Q A

: Can lifestyle make much of a difference in cancer risk?

Doesn’t cancer really come down mostly to heredity and luck?

•Patients must be a current Medicare beneficiary and not have had this service in the past 12 months in order to be eligible for the $0 out-of-pocket cost. Call 1-855-925-4733 to verify your eligibility. If your Medicare coverage is through a private health plan (Medicare Advantage), contact your health plan to confirm that this service is covered at no cost in a retail clinic setting. Patient care services provided by Take Care Health ServicesSM, an independently owned professional corporation whose licensed healthcare professionals are not employed by or agents of Walgreen Co. or its subsidiaries, including Take Care Health Systems, LLC 13PC0037

: A healthy lifestyle can’t prevent all cancer, but it makes a big difference. Healthy eating habits combined with regular physical activity and a healthy weight can pre-

vent about 1 in 3 of the most common U.S. cancers. By adding avoidance of tobacco and sun damage, today’s research says we could cut the number of cancers occurring in the United States every year nearly in half.

Only about 5 to 10 percent of all cancers are thought to be caused by an inherited “cancer gene.” If you have a close relative (mother, father, sister or brother) who has had cancer, or if you carry a cancer gene, it’s important to get periodic screenings on a schedule recommended by your healthcare provider. Even with a strong family history of a particular cancer, eating habits and lifestyle choices can influence whether cancer actually develops. Some people may inherit genes that make them especially sensitive to the effects of lifestyle choices. As for luck, it’s true that whenever cells divide and reproduce, there’s potential for mutations (damaged DNA) that can possibly lead to cancer. However, the body has mechanisms to repair DNA and cause abnormal cells to self-destruct. Nutrients and phytochemicals (natural compounds in vegetables, fruits, whole grains and other plant foods) provide important support for those processes. Moreover, genes can be activated and deactivated (like switching on or off their ability to send signals), and the way we live influences that. By limiting unhealthy foods and avoiding tobacco smoke, excess alcohol, too much sun or exposure to high levels of certain chemicals, you help reduce chances of damage to genes. Through healthy food and drink choices, combined with physical activity and a healthy weight, you provide protective influences both at the stage of initial cell damage that starts the cancer process, and throughout stages that follow, reducing potential of any damaged cells to multiply and ever develop into a clinical cancer.

Information courtesy of the American Institute for Cancer Research.

50 Plus News Magazine

AUGUST 2015 • 50PLUS

Considering cosmetic dentistry?

• It can be expensive. For example, porcelain tooth veneers may cost $600 to $2,000 per tooth.

• Insurance doesn’t cover most cosmetic procedures.

• Materials aren’t indestructible.

Crowns and veneers are stronger and more durable than they used to be, but they won’t last forever. They may crack or chip or the cement may weaken. They may have to be redone within 10 to 15 years.

• It’s important to be realistic. Cosmetic dentists are enhancers. They can manipulate, shape and polish materials to create dazzling smiles. What they can’t do is change the shape of your mouth or your overall appearance. In order for tooth restorations to truly look natural, they have to work for you. Cosmetic dentistry can improve your appearance; it won’t completely transform it.

One of the benefits of cosmetic dentistry is that the final results are easy to predict, if only cosmetic problems are being fixed. Whether you decide to have a gap filled, a chip repaired

or a stain concealed, you’re unlikely to have unpleasant surprises later. But if the work is more extensive, such as a full mouth reconstruction, then results are not as predictable.

Technology now makes it possible to view before-and-after images of your teeth before the work even begins. The technique is called computer imaging. It gives you an idea of what your teeth will look like after the procedure is done.

A dentist who has this technology can project an image of your teeth on

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a computer monitor. Then, while you watch, the dentist can “correct” the imperfection or modify your teeth on the screen.

Imaging may not be needed. If you want a chipped tooth filled or a space between teeth narrowed, you may be able to picture that easily. If you are considering something more complex or involving more than one tooth, however, imaging can be helpful.

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Everyone would like to have a perfect smile, but nature is rarely so accommodating. Maybe you’re one of the lucky ones who never needed braces. Still, the rough-and-tumble of life can result in chips. Your teeth may look dingy. Habits such as smoking or drinking coffee also stain teeth.

Until fairly recently, the average person couldn’t do much about how teeth looked. In the past two decades, however, dental materials and techniques have greatly improved. Now, most people can have almost model-perfect teeth using materials that resist color changes and are almost as strong as the originals.

There’s never been a better time to brighten your smile or fix imperfections. Demand for cosmetic dental procedures is greater than ever. That’s partly because baby boomers and seniors with money to spend are looking for ways to feel and look younger.

However, you should keep a few things in mind while making your decision:

• 17A

18A • 50PLUS • AUGUST 2015

Record participation at Senior Softball Tourney

By Jack Pearson For baseball fans, there may be a scarcity of winners and championships in these parts nowadays. Never fear, there’s always next year. But that problem didn’t exist for softball buffs at the 15th Annual Milwaukee Classic Salute to the Troops tournament in mid-May at Wirth Park in Brookfield. At the tournament, in different age classifications, seven champions were crowned.

According to tournament director Thom Mikich, a record number of 39 teams involving more than 600 senior players aged 50 and above participated. They came from all over Wisconsin and five other Midwestern states.

“Actually, it could have been even higher,” he said. “We had to turn away additional applicants. There just wasn’t enough room for more.” Because each of the teams plays at least five games, he said, the total comes to about 100 games over the three-day tournament, or about 33 each day. That represents a huge scheduling and operating responsibility for Thom, his top assistants over the years, Jack Simons and Gary Baehler, and all the members of

the Milwaukee Seniors’ senior softball team. “And the wives,” Mikich added.

“Such as my own, Rose, and Gary’s, Gerie. So many of them came in to help. We’d be lost without them.”

Because of their efforts, the tournament has grown to become the largest senior softball tournament in Wisconsin and one of the largest in the country. The tournament was originated 14 years ago by Mikich and was called “The Milwaukee Classic.” Six years ago, he and his group became involved with the Wounded Warriors Project, and as a result, it was renamed as “The Milwaukee Classic Salute to the Troops.” The Wounded Warriors Project, for your information, is a nationwide fund with purpose is to provide financial aid and assistance to U.S. servicemen who have suffered physical and mental injuries and who are in need of help. Every year each of the participating teams in the tournament donates to the Wounded Warrior Fund. This year more than $3,000 was raised.

“That may not seem like a significant amount of money, but it’s the best we can come up with,” Mikich said.

There wouldn’t be a Salute to the Troops Softball Tournament without a lot of dedicated people volunteering their time and energy. Here are four of them: Tournament Directory Thom Mikich and his wife, Rose, at right, and Co-Director Gary Baehler and his wife, Gerie.

“Admission to the three-day tournament is free, so all of the contributions come from the individual teams. Some teams have sponsors, and they do the contributing, but where there is no sponsor, the players dig into their own pockets. And most of the players are retired and on limited incomes. This year we had a little additional help,” he said. “The students at St. Francis School sold a batch of Wounded Warrior wrist bands for us, and came up with $200 for the fund.” Why should students from St. Francis School want to help you, I asked? “That’s where my granddaughter Sara goes to school,” Thom proudly said. Which answered the question.

In connection with the tournament, the Wisconsin War Hawks organization usually conducts a special “Fly Over” on the first day of the event, with vintage military planes roaring high over the field. This year, however, bad weather and a low ceiling for flying canceled it.

As noted earlier, there were seven champions crowned, and six different age classifications. The extra winner was in the 60-64 age group, where there were two divisions.

THE CHAMPS WERE: 50-54 age: Pope Transport of Fort Atkinson 55-59 age: Milwaukee Merchants 60-64 age: Stutz Pub of Milwaukee and Oshkosh Ambassadors 65-69 age: Oshkosh Ambassadors 70-74 age: Quad City All-Stars of Iowa 75 and up: Pro Health of Milwaukee All of the championship teams were awarded a trophy and $100 in prize money.

There were other teams from the Milwaukee area that competed. One of them was the host team, the Milwaukee Seniors. Not only because they were the hosts, but because of all the work they and many of their wives did before, during and after the tournament, they are listed here: Gil Alaimo, Ed Carlson, Bob Christensen, Jim Cleary, Al Collins, Mike Dunn, Al Epton, Ed Hurley, Dennis Johnson, Tom Kress, Bob Leskovar, Gary Maier, Herb Mehndorf, Tom Mikich, Roly Nellis, Jim Rondorf, Jim Simons, Wayne Stapleford, and Doug Williams.

In addition to the Milwaukee Seniors team, the tournament was co-sponsored by the VMP (Village at Manor Park), and Meyer’s Restaurant.

AUGUST 2015 • 50PLUS

• 19A

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Two of the champion teams from the tournament, top photo, Pro Health of Milwaukee, in the 75 and up age bracket, and Stutz Pub, also of Milwaukee, in the 60-64 age group.

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people sober?

FFFFF Much to the chagrin of resorts’ owners, homeowners in their own dwellings are enjoying stay-cations.

They’re discovering much to see and do near to home base.

FFFFF The late President Ronald Reagan, honest with the people, said, “The taxpayer is someone who works for the

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federal government, but does not have to take a civil service examination.

FFFFF We’re thinking of taxes as the second half of our real estate tax had to be paid by the end of July. While the following statement by deceased humorist Will Rogers has no bearing on the above tax, he is quoted as saying, “The income tax has made more liars out of Americans than golf ever has.”

FFFFF Being age 86, I can say that at this age I feel much better than my dad and grandfathers did as they never reached this age.

FFFFF I recently was in a golfing group with Norm Day of Sussex. I mentioned being a longtime friend of Fred Keller, also of Sussex. Day said something to the effect that “Fred has done more for the Village of Sussex than any other person.” By the way, Day hits a mean golf ball and hopefully will continue to do so.

FFFFF An aging mind can only be kept active by use. Reading is much more effective than watching and listening to the television programming. The person who first said, “Use it or lose it” did know of what he spoke or wrote.

FFFFF Too many people, when it came to saving for retirement either never got started or did so too late to amass a necessary nest egg. This is one reason why so many older folks give things up as a pleasure. I know it was a necessity when we gave up owning a home in Florida for wintertime use.

FFFFF If you are one of the people who talks about how great things were 10 to 20 years ago, why then do you drive a new vehicle?

FFFFF If you are becoming really unsatisfied with life around you, just paint the kitchen. You’ll be satisfied with your handiwork and the new colors will be a pleasant change.

FFFFF We were told years ago that when the Indians wanted rain, they did a rain dance. We have a simpler and non-athletic solution; just schedule a Monday morning golf game.

FFFFF Irish Fest is just ahead and being born of those whose ancestors came from the Emerald Isle, I do know that somehow the idea of following in the way of their saints and scholars is not as easy as enjoying Irish humor, being happy with what we have and striving not to offend others while, of course, enjoying a Harp. Yes, I’d rather drink one than play one.

FFFFF We recently were in Oconomowoc for a meeting and followed that with a late breakfast at Maxim’s Depot. The restaurant’s clientele mostly wore balding heads or white hair. It could have doubled for the senior center, except that no one was wearing name-tags.

FFFFF I have wondered if the early American settlers were surprised when some of the corn they were cooking by the fire began popping?

FFFFF I’m told that a talented hair stylist may get the elderly bachelor to ask for the lady’s phone number. What the stylist created for that particular lady may also cause a dozen or so women to ask for the stylist’s number.

FFFFF In this electronic age, will paperweights soon become objects of antiquity?

FFFFF Seniors, don’t just complain about that yard work, and later, snow removal.

Move to a condominium development.

There, your Social Security check will just about cover your real estate taxes, your condo fees, your Medicare and health insurance costs. If you really like a challenge, build a bit of a nest egg with what is left. You know that a bird on your plate is worth two in the bushes.

AUGUST 2015 • 50PLUS

• 21A

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August Poem

We should be singing about the green grass of summer Still, having to mow it so often is somewhat of a bummer.

What grows so naturally is part of God’s plans for us.

Are a few weeds here and there really worth all the fuss?

Some pretty flowers are past their beauteous peak.

But that so different leafed tree we guessed has to be teak.

It grows so quickly and spreads its limbs as it is by the creek.

Hardly a bird flies by without drilling the trunk with its beak.

Green beans, lettuce and radishes definitely are mature.

The tomatoes on our plants keep growing, that’s for sure.

When will we break open a garden watermelon so juicy?

Henry, Herman and Heather all are in line before Lucy.

Who needs more recreation than a two-person porch swing?

Gliding quickly to and fro may force riders to arm rests cling.

Somewhere we’ve heard there’s more to life than strife.

Tenderness and genuine concern is what comes with a wife.

How can June and July have slipped away in 2015 so soon?

We can tell that summer’s soon to end by the August moon.

Yet, as evening descends we look heavenward to the stars.

They twinkle as they light the way possibly some day to Mars.

August is a bit like people who cannot avoid middle age.

Every one of us becomes wistful, even the know-it-all sage.

Many nice things can be said about this month, but tell.

The final days of August for school-bound kids do smell.

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Si, Senor y Seniorita, Esta Muy Bueno. And it was, a grand time was had by all at the annual Fiesta Waukesha festival on the banks of the Fox River in Waukesha. In addition to a wide array of Hispanic cuisine and entertainment, the event included a special children’s area and an assortment of amusement rides for all ages. Here are a few who enjoyed the day.

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Kari Lehnert and Bob Schetter of Waukesha.

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AUGUST 2015 • SECTION B

Assistance in Living

DIRECTORY

EDITORIALS

MONEY SENSE

STATE CAPITOL COMMENT

By Karen Ellenbecker & Julie Ellenbecker -Lipsky

By Matt Pommer

TRAVEL

WHAT’S INSIDE . . . . . . . .

Financial Fi i lW Wellness ll “Planting Tomorrow’s Dreams Today”

MOVING IN THE RIGHT DIRECTION

By Brad Olson, CFP

By Bruce Nemovitz

Assistance in Living Directory . . . . . . . . 2B Travel - Road America . . . . . . . .STATE .COMMENT . .CAPITOL . .14B

SENIOR

Aunt Emma . . . . . . . . . . . .EDITORIAL . .15B IT MAKES ME CRABBY We Saw You At . . . . . . . . . . . 17B Emma

APRON STRINGS

By Aunt Emma

Answer Man

AGING ISSUES

By Tom Frazier

MONEY SENSE

By Karen Ellenbecker & Julie Ellenbecker PLANTING -LipskyTOMORROW’S

By Matt Pommer

HERMAN WHITE WRITES

You have put off your move…Is there time this year?

ARTS ENTERTAINMENT DREAMS TODAY

By Brad Olson

Most of us are creatures of habit.

We love what we love, do what we do and repeat the same behaviors throughout our lives. That gives us a sense of stability and calm even when these patterns no longer serve our needs!

We know in our gut that something has changed but we put off facing our challenges. When it comes to real estate and a move from a home you have lived in for many years, a change to a new location can become like an elephant in the room. We know we want to move forward with our lives, but just can’t seem to take those first steps.

This year has seen a tremendous shift in home sales from a somewhat stagnant post-recession market to a brisk frenzied market fueled by purchasers who put off buying their home due to uncertainty from the crash of 2007 until February of this year. I could draw a line through mid-February 2015 as to this significant change in home sales. It was as if someone opened the flood gates of buyers who were determined to purchase their new home. At the same time, we had a low inventory which led to multiple offers and over-bidding on many well-priced homes.

So you waited and missed that spring bonanza. You were going to put your home on the market, but it just seemed too overwhelming and once

Those should be done immediately.

You do not want to sell a structurally SPORTS unsound home as buyers will discount your home to a disappointing level if Financial Fi i lW Wellness purchased with problems. thell same “PlantingAt Tomorrow’s Dreamssearch Today” for time, you can begin your

By Brad Olson, CFP your new home. For boomers, it may KILLING be a condo or small ranch near the grandchildren. The good news is that if you sell in fall you can be a buyer in the slowest time of theAPRON year which is Emma November through January. This is the STRINGS very best time to purchase real estate.

By Aunt Emma Sellers are motivated and there is very little buyer competition. Opportunity awaits those buyers who are willing to move in the colder months. If you are an older adult looking for a senior community, now is a great time to visit the different complexes. Do you want a senior apartment with no continuum of care, or a community that offers independent and assisted living. You may want a community that offers independent, assisted and nursing home or memory care. The point is there are so many options for older adults. This is a great time to investigate, have a lunch or just visit with marketing directors at these various communities.

My point is that it is not too late to make your move before the snow flies this year. But you must begin the process now. If you do your homework, get all of the information to make a sound

By Jack Pearson

MOVING IN THE RIGHT DIRECTION

By Bruce Nemovitz

again you put off that move which would have improved the quality of your life. Boomer homeowners have an empty house that has become a storage facility for their children’s belongings. For those over 80, your home has, AGING that in some cases, posed challenges ISSUES are getting harder and harder to naviBy Tom Frazier gate. THAT’S OK! The good news is that our Milwauee-Metro area real estate market typically enjoys two outstanding markets each year. The spring market from February through June and then the fall market, September up to Thanksgiving. Therefore there is one more opporPLANTING TOMORROW’S tunity for those of youDREAMS that waited and TODAY still want to make yourBy move year.

Brad this Olson I would suggest beginning now with preparing your home for market. This involves a Senior Real Estate Specialist stopping out to develop a game plan.

Your agent will let you know if any inspections are needed such as basement foundation reports, electrical updates, roof replacement, or plumbing SPORTSissues.

By Jack Pearson

decision you will find yourself in that new home that meets your needs of today. There are so many services to help the WRIGHT with downsizing as well as preparing SIDE of your home. It is up to you to move off dead center and address those changes you have chosen to make. Change with Jim McLoone TIME is tough, but procrastination can lead to much more difficult decisions down the road. Opportunity awaits those who seize the moment. The spring market is gone forever, but the fall market is an opportunity if your goal is to move this year!’

calendar

TRAVEL

By Enis Wright

60

SENIOR Answer Man

Bruce Nemovitz is a Senior Real Estate Specialist, as well as Certified Senior Advisor. Bruce has sold residential homes in the four county Milwaukee-Metro areas for 35 years. He has published a book called “Moving in the Right Direction”, A Senior’s Guide to Moving and Downsizing. Bruce has just written his second book for the children of seniors, “Guiding Our Parents in the Right Direction”, Practical Advice about Seniors Moving from the Home They Love. This book is now available at www.GuidingOurParents.com. Past articles about moving and downsizing and other important information can be found at www.BrucesTeam.com. Bruce received the 2010 “Realtor of the Year” from the 3,800 membership of the GMAR (Greater Milwaukee Association of Realtors). He received the runner up Better Business Bureau Ethical Business of the year in 2015. Bruce is a featured speaker at several senior communities in the Milwaukee-Metro area. His discussions center on the challenge of moving from a long time home into a senior apartment or community. He has been listed in Milwaukee Magazine’s 5-Star Agents list for the last three years in a row. As such, he’s one of only a handful of Realtors who are continually included in the top 7% in client satisfaction in the Milwaukee Metro area. He’s rated A+ by the Better Business Bureau, and was a finalist for Concordia College’s Ethical Business Leadership Award. He works with his wife Jeanne at Realty Executives Integrity.

IT MAKES ME CRABBY HERMAN WHITE WRITES

ARTS

ENTERTAINMENT

calendar the WRIGHT SIDE of

2B • 50PLUS • AUGUST 2015

Assistance in Living CEDAR BAY ASSISTED LIVING

5595 County Road Z, West Bend, 262-306-4299 cedarcommunity.org 101 Cedar Lane, Elkhart Lake, 920-876-4050 cedarlanding.org A division of Cedar Community, the nation’s 86th largest not-for-profit continuum of care provider, Cedar Bay Assisted Living provides an ideal home for those who need some assistance with activities of daily living. A unique service plan is created for each resident to ensure every person receives the services he or she needs while still being able to maintain his or her current lifestyle and personal privacy. Cedar Bay Assisted Living in both West Bend and Elkhart Lake offer on-site awake nursing staff 24 hours per day, seven days per week; three delicious restaurant-style meals; medication assistance; weekly housekeeping; a vibrant program of social and recreational activities; emergency call system; reception services including transportation; and much more! Respite and rehab stays are also available. Natural settings, a bias toward the healing aspects of autonomy and activity, and a not-for-profit mission all help make Cedar Bay a decision the whole family can feel good about.

DIRECTORY CREATIVE LIVING ENVIRONMENTS, LLC

CLE Haven opening August 2015 4926 W. Washington Blvd., Milwaukee Contact Person: Laurie Hintz 414-258-9955 • www.cle-ccls.com Creative Living Environments, LLC in Milwaukee and Waukesha counties is an assisted living company consisting of five gracious neighborhood homes and our NEW assisted living center, Haven, promote physical and emotional well-being, self-worth and independence. Our staff is uniquely skilled in assisting and supporting seniors. Each home is a state licensed Community Based Residential Facility (CBRF). We work together with residents and their families to enhance our residents’ quality and enjoyment of life. CLE Haven, a 24 bed facility, opening August 2015 is our new addition to our family of homes in Milwaukee County, and will excel in supporting seniors with mobility needs and those who must rely on caregivers to assist them, as well as seniors with complex medical, physical frailties and memory care needs. Monthly rent ranges from $3150 to $4200 depending on private or shared room and level of care.

55 and Better Living at Its Best

Reach out to our beautiful community and private residences enriched with fun social activities, new friendships, fitness and wellness programs, delicious dining, and so much more!

• Senior living in your own spacious

private residence starting at $749*/mo.

• Assisted living available from $2,544/mo.

SPECIAL

First Month FREE! on select residences with this ad through August 31, 2015.

PERSONAL TOURS DAILY Monday - Friday 8:00 a.m. – 4:00 p.m.

Saturday - Sunday 11:00 a.m. – 4:00 p.m.

Ask about our newly remodeled units!

*Indicates special rate, subject to change.

11077 W. Forest Home Ave., Hales Corners • (414) 425-1148 • WimmerCommunities.com

AUGUST 2015 • 50PLUS

• 3B

FOREST RIDGE, A WIMMER COMMUNITY SENIOR RESIDENCE

11077 W. Forest Home Ave – Hales Corners Contact Person: Patti Frost, Administrator Contact Person: Mary Zurowski, Resident Services Coordinator 414-425-1148 Forest Ridge, a Wimmer Senior Community Residence, is your affordable hometown senior community and a proud recipient of SeniorAdvisor’s 2013 Excellence Award for “having received consistently high ratings from residents and their families.” Forest Ridge feature 208 residences with 1 bedroom, 2 bedrooms with 2 bath, and 1 bedroom with den apartments, many with patio or balcony. If you join our community as an independent resident and your needs change, you may stay in your same apartment while accessing the services of our Assisted Living Program. Rents start at $749 with an optional and flexible meal plan available at a modest additional cost. Our community offers an expansive array of recreational and lifestyle opportunities. Our resident social calendar includes a variety of activities, special event, tours and trips. For your convenience, we offer a daily dining program, enclosed parking, a full service bank, country store and a beauty salon/barber shop, all within the facility. In addition to our on-site Wheaton Franciscan Medical office, scheduled transportation is available for, shopping, special events, tours and trips. Health staff consists of RN, LPN’s and Certified Nurses Aides. At Forest Ridge, we make a very special lifestyle possible. You will find the affordable retirement you want with the services you may need to assist you through the years.

Experience Regency Senior Communities

For When You Want More Visit our website for information on all of our programs and events—and call now to schedule your private tour.

HERITAGE AT DEER CREEK

3585 S. 147th St., New Berlin 262-432-0222 Assisted Living and Memory Care residence. Within Heritage at Deer Creek you will find a warm and compassionate community where daily assistance is provided with love and utmost respect for personal integrity of our residents.

Our compassionate staff is trained to serve with an open heart and friendly smile. Living arrangements: Assisted Living – 43 apts., studios, 3 sizes/1 bedrooms, 2 bedrooms/2 baths, walk-in showers, individually controlled heat and air, kitchenette. Pets welcome. All utilities except telephone included. Memory Care – 33 private suites with bathrooms, most with walk-in showers. Monthly rent: Assisted Living – start at $2,955; Memory Care – start at $3,800. In house physician, podiatrist, coordination of therapies and lab services. Activities: lunch outings, movies, cards, bingo, happy hour and more. Affiliations: Lexington Heritage, Heritage Court, Heritage West Allis, Heritage Elm Grove, Heritage Court Waukesha and Heritage Lincoln Village in Port Washington.

HERITAGE COURT

N48 W14250 Hampton Ave., Menomonee Falls 262-442-1540 This is a 34 unit, secure Memory Care residence. When you enter the doors of Heritage Court you will find a warm and compassionate community with a very home-like atmosphere. We have caring, dedicated caregivers on staff 24 hours a day to provide our residents with love, respect and dignity. With an enclosed outdoor garden, residents can enjoy the outdoors in a safe and secure area. We provide three home-cooked meals a day and snacks and have an array of activities for everyone to enjoy. All private suites with private bath. Activities: outings, movies, cards, daily events and more. Affiliations: Lexington Heritage, Heritage at Deer Creek, Heritage Court Waukesha, Heritage West Allis, Heritage Elm Grove and Heritage Lincoln Village in Port Washington.

More Life. More Style.

REGENCY BROOKFIELD

REGENCY MUSKEGO

REGENCY NEW BERLIN

777 N. Brookfield Rd. 262-780-0321

W181 S8540 Lodge Blvd.

262-679-0888

13750 W. National Ave. 262-789-1699

RegencySeniorCommunities.com

4B • 50PLUS • AUGUST 2015

Assistance in Living HERITAGE COURT WAUKESHA

1831 Meadow Lane, Pewaukee Contact Person: David Moeller 262-542-3434 • www.heritagesenior.com A 36 unit, 38 bed for profit facility with no enrollment/endowment fee.

Choose from 34 studios 255 – 320 sq. ft. and 2 -1 BR – 490 sq. ft. rooms. Spouses may share the 1 BR units only. Monthly rent starts at $4,800 - $5, 500 with 3 meals per day included in fee. Recreation programs include Music and Memory Program, Walking Club, Memory Training Centers of America, stretching, physical and cognitive exercises, arts and crafts, cooking and baking club, outings, live entertainment and pet therapy. We have a full-time RN, 24 hr. nurse on call. Heritage Court Waukesha has a well-trained thoughtful staff that will meet the care and needs of our residents 24 hours a day. Peace of mind knowing that our residents can maintain their independence and individuality in a safe, nurturing environment. The brand new Heritage Waukesha offers a whirlpool spa, on-site beauty salon, patio and courtyard, multi-sensory Snoezelen room, therapy room and a community area with a private dining room. Affiliations: Heritage Elm Grove, Heritage Court, Heritage at Deer Creek, Heritage West Allis, Lexington Heritage and Heritage Lincoln Village in Port Washington.

DIRECTORY HERITAGE ELM GROVE

800 Wall Street, Elm Grove Contact Person: Becky Rintelmann 262-786-5800 • www.heritagesenior.com A 40 unit Assisted Living residence for profit. Choose from 18 enhanced assisted living, 36 memory care units, studios and one and two bedroom apartments. Spouses may share one and two bedroom apartments. There is no enrollment/endowment fee with the monthly rent for Assisted Living $3,850-$5,200, Enhanced Assistant $4,550-$5,800 and Memory Care $4,400-$5,400 along with three meals per day included. Recreation and programs provided include Music and Memory Program, Walking Club, Memory Training Centers of America, stretching, physical and cognitive exercises, arts and crafts, Cooking and Baking Club, outings, live entertainment and pet therapy. On staff there is a fulltime RN, 24 hour nurse on call and full time LPN. We provided a well-trained thoughtful staff that will meet the care and needs of our residents 24 hours a day. Peace of mind knowing that our residents can maintain their independence and individuality in a safe nurturing environment. The brand new Heritage Elm Grove offers a community pub, Movie Theater, whirlpool spa, on-site beauty salon, patios and courtyards, multi-sensory Snoezelen room, therapy room, and community room with private dining room. Affiliations: Heritage Court, Heritage at Deer Creek, Heritage West Allis, Lexington Heritage, Heritage Court Waukesha and Heritage Lincoln Village in Port Washington.

Warmth of Hom Memory Care

AUGUST 2015 • 50PLUS

Assistance in Living HERITAGE WEST ALLIS

7901 W. National Avenue, West Allis Contact Person: Chris Kohn 414-302-9700 Heritage West Allis offers an elegant, Assisted Living and Memory Care community where daily assistance is provided with love and the utmost respect for personal integrity of our residents. Choose from studio, one and two bedroom apartments with no entrance or endowment fee. Within each apartment is a kitchenette, private bath with walk-in-shower, spacious closets and a reassuring personalized emergency call pendant. Amenities include: community pub, beauty shop, fitness center, community room and library. Professional care giving staff is available 24 hours a day to assist you with anything from bathing to medication administration. Heritage Memory Care Neighborhood specializes in care for residents with Alzheimer’s or other related Dementias. Our two 20-suite communities offer residents an uncomplicated design with home-like private accommodations. 40 residents will reside in private suites with bath and walk-in showers. A beautiful secure interior courtyard will provide safe access to the outdoors. Our activity program is designed to stimulate and engage the residents remaining cognitive strengths. Affiliates: Heritage at Deer Creek, Lexington Heritage, Heritage Court, Heritage Court Waukesha, Heritage Elm Grove and Heritage Lincoln Village in Port Washington.

LEXINGTON HERITAGE

5020 S. 107th St., Greenfield 414-302-9700 A 20 unit Assisted Living residence. When you enter the doors of Lexington Heritage you will find a small and comfortable facility with a very home-like atmosphere. Throughout the days many enjoy sitting in our sunroom viewing the beauty of our private patio. We have caring, dedicated caregivers on staff 24

Assisted Living

• Private apartment with bathroom/kitchen • On-site rehabilitation • Medical staff available 24/7 • Wholesome meals served daily • RN manager & social workers with extensive case management background • Limited Family Care available (call for details)

3023 S. 84th St. West Allis - 53227

(414) 607-4104

7300 W. Dean Rd. Milwaukee - 53223

(414) 371-7316

• 5B

DIRECTORY hours a day to provide our residents with love, respect and dignity. We provide three home-cooked meals a day and have an array of activities for everyone to enjoy. Studio, large and small/bedrooms with private bathrooms. 2 bedroom/2 baths. All units have microwave and refrigerator. There is no enrollment/endowment fee. Activities: musical entertainment, trivia, crossword puzzles, church services, Pokeno, crafts and van for transportation. Affiliations: Heritage at Deer Creek Assisted Living and Memory Care, Heritage Court Memory Care, Heritage Eau Claire, Heritage West Allis, Heritage Court Waukesha, Heritage Elm Grove and Heritage Lincoln Village in Port Washington.

JACKSON CROSSINGS RETIREMENT COMMUNITY

One of the Five Star Senior Living Communities Contact: Katie Cavazos, Executive Director N168 W22026 Main Street, Jackson 262-339-7074 Living on the lake is important to many Wisconsin residents. At Jackson Crossings, people enjoy birds, gardens, fishing, and a walking path near Hasmer Lake with a “Northwoods” feel. Our spacious one bedroom, two bedroom and studio apartments include lakeside patios or balconies, utilities, cable TV, housekeeping, towel and linen service, signature meals made fresh by our very own Chef Nick, and much more! For our Independent and Assisted Living Residents, we have our very own signature programming called Lifestyle 360, to enhance the lifestyle of our Residents and get them enjoying their favorite activities. For our Memory Care Residents, we have our very own Bridge To Rediscovery program that is trademarked especially for Five Star Senior Living communities.

The best things about Retirement Living at Jackson Crossings are the excellent services and programming you receive by outstanding staff who make you the priority. We are also pet friendly!

6B • 50PLUS • AUGUST2015

Assistance in Living DIRECTORY

PROHEALTH CARE REGENCY SENIOR COMMUNITIES - BROOKFIELD

777 N. Brookfield Road, Brookfield Contact Person: Terry Sommers, Director of Community Services 262-780-0321 • wwwRegencySeniorCommunities.com Regency’s Assisted Living offers seniors the privacy and independence they want, with the individualized support services they may need. We provide two levels of care to residents as their needs change, reducing the need for a future move. Residents will also appreciate the convenience of the newly opened onsite Nurse Practitioner Office. And as part of the ProHealth Care family, we also offer free transportation to ProHealth Care medical appointments. We have 94 studio and one-bedroom, apartments ranging from $2,730 - $5,160 a month.

Our rent includes a meal plan, nursing services, and many social and recreational opportunities such as cards, excursions, baking, exercise programs and worship services. Our staff includes an RN, LPNs and CNAs.

PROHEALTH CARE REGENCY SENIOR COMMUNITIES – MUSKEGO

W181 S8540 Lodge Blvd., Muskego Contact Person: Judy Sorce, Director of Community Services 262-679-0888 • www.RegencySeniorCommunities.com Regency-Muskego’s Assisted Living programs provide several levels of care to meet the changing needs of our residents. Our 96 one-bedroom apartments

offer residents the privacy, independence, and comfort they want with the excellent care, compassion and respect they need, all for one affordable monthly fee of $3,499 - $5,025 per month. Besides offering three chef prepared meals daily, our residents enjoy hundreds of different types of activities including trips, socials, fitness, educational, recreational and spiritual programming. Around the clock care is provided by our staff of Registered Nurses and Certified Nursing Assistants. Our Attended Care Program is a better alternative to a nursing home, allowing people with higher physical or memory needs the privacy of their own apartments and excellent care at an affordable price. Free transportation to ProHealth Care clinics and hospitals is also available.

PROHEALTH CARE REGENCY SENIOR COMMUNITIES – NEW BERLIN

13750 W. National Avenue, New Berlin Contact Person: Stacey Cheney, Director of Community Services 262-789-1699 • www.RegencySeniorCommunities.com At the Regency New Berlin Assisted Living, we have 88 one bedroom and studio apartments. We also offer assisted living services in our independent one and two bedroom supportive care apartments. As part of the ProHealth Care Family, we provide various levels of care for your changing health care needs, which enables many residents to avoid future moves to other facilities. Assisted Living rents range from $3,350 to $4,995 depending on the level of care and apartment size. Rent includes 3-meals a day, basic utilities, housekeeping, bed-linen change, and personal care services. We also provide recreation and

A Better View On Life

• A place to call Home • A place where life happens • Where each day has a purpose

• Person centered care • A new sense of belonging • Maintaining one’s individuality and self-esteem

Lifestyle. Location. Life Care.

Saint John’s is Milwaukee’s only east side senior living community to offer true Life Care. Call us at 414-831-7300, or visit our web site at www.SaintJohnsMilw.org to learn how a Life Care Contract can give you and your family peace of mind while protecting your valuable nancial resources.

1010 Pine Ridge Ct, Oconomowoc

262.468.7711

www.theviewatpineridge.com

AUGUST 2015 • 50PLUS

• 7B

Assistance in Living DIRECTORY activities including free musical entertainment, exercise classes, crafts, book and card clubs, bingo, day outings and church services. Free transportation is provided for group events. All apartments are equipped with an emergency call system, and we have on-site nurses available 8 ours a day, seven days a week, and on-call 24/7. Certified nursing assistants are on-site 24/7 for personal care services and emergencies.

SHOREHAVEN TOWER ASSISTED LIVING

1305 W. Wisconsin Ave., Oconomowoc Contact Person: Sue Pooler 262-567-8341 or at spooler@Iho.org www.shorehavenliving.org Shorehaven Tower offers freedom of choice in a beautiful residential setting.

Part of the Shorehaven Campus, Shorehaven Tower consists of 75 apartments, including studio, one and two bedrooms with not enrollment fee. Just constructed, a new dedicated entrance, expanded activities space and third floor rooftop terrace for resident enjoyment. Monthly rates range from $2,286 to $4,530 and from 325 to 975 square feet. Two meals a day are included in the fee. Activities, trips, weekly housekeeping and linens change, wellness clinic and health monitoring, satellite TV/Wi-Fi, transportation arrangements, all utilities, free use of washers and dryers, emergency response system, computer use and flu shot clinic on site. We have trained staff on duty 24/7 with two full-time nurses on staff. Spouses may share apartments. Assisted living provides friendship, menu choices, mental stimulation, access to services and freedom, and is pet friendly, all within a safe living environment. Shorehaven Tower residents enjoy their

A decision the whole family will feel good about ...

West Bend cedarcommunity.org

choice of services, menus, activities and amenities on a convenient, price-friendly a la carte basis. Also there is access to the public Café LaBelle for breakfast or lunch, and the Center for Life Enrichment for classes and events. Continuum of care, lake access, pontoon rides on beautiful Lac La Belle, banking and beauty and barbershop on site. Also, lab, podiatry, dental and eye services available on site. Shorehaven is the trusted, faith-based resource of choice for community seniors. Its mission is “Reflecting Christ’s love, we provide homes and resources for seniors.”

SAINT JOHN’S ON THE LAKE

1840 N. Prospect Ave, Milwaukee 414-272-2022 • www.saintjohnsmilw.org Saint John’s was founded by Episcopal women in 1868. A capacity of 24 Assisted Living units, non profit. Private suites with private bathrooms, some with walk-in showers and private balconies. Spouses may share only when two suites are combined. Monthly rent is $5,370 - $7,000 with a meal plan that is mandatory and has flexible dining options. All campus amenities: two restaurants, warm water pool, fitness center, salon & spa, 200 events – concerts, lectures, movies and more each month. Well-stocked library. Lake and city views. Medical personnel consist of RN’s, LPN’s, CNA’s - 11 on staff. The advantages of assisted living will be to continue thriving our expert caring staff provides assistance with daily living activities like bathing, dressing, personal care and medication management especially with memory loss. Saint John’s On The Lake facility offers all campus amenities; dine in two restaurants, movies, lectures, concerts, gallery, and library. Vibrant city and lake views.

“Since I gave up driving and moved to Cedar Bay Assisted Living I am busy enjoying life.”

Juanita spends her days volunteering at the Cedar Closet, painting nails and exercising with her walking poles.

Call 262.306.4299 to learn more about why Juanita chose Cedar Bay Assisted Living.

More than just amenities...

Villa is a community that feels like home and lets you live life on your terms.

414-649-2888

Sponsored by the Felician Sisters

1910 West Ohio Avenue Milwaukee, WI 53215

8B • 50PLUS • AUGUST 2015

Assistance in Living DIRECTORY

CEDAR BAY

ASSISTED LIVING AT ST. CAMILLUS

CEDAR BAY AT ELKHART LAKE

CEDAR BAY AT WEST BEND

CREATIVE LIVING ENVIRONMENTS, LLC.

HERITAGE COURT

FOREST RIDGE SENIOR RESIDENCES HERITAGE WEST ALLIS

AUGUST 2015 • 50PLUS

• 9B

Assistance in Living DIRECTORY

HERITAGE AT DEER CREEK PROHEALTH CARE REGENCY SENIOR COMMUNITIES-NEW BERLIN

JACKSON CROSSINGS RETIREMENT COMMUNITY PROHEALTH CARE REGENCY SENIOR COMMUNITIES-MUSKEGO

LEXINGTON HERITAGE

SAINT JOHN’S ON THE LAKE PROHEALTH CARE REGENCY SENIOR COMMUNITIES – BROOKFIELD

10B • 50PLUS • AUGUST 2015

Assistance in Living DIRECTORY

SHOREHAVEN TOWER VMP-MANOR PARK

ST. ANNE’S SALVATORIAN CAMPUS

VMP-TRINITY VILLAGE TUDOR OAKS

THE VIEW AT PINE RIDGE

Assistance in Living ST. ANNE’S SALVATORIAN CAMPUS

3800 N. 92nd St., Milwaukee Contact Person: Jill Hogan 414-463-7570 x401 St. Anne’s Salvatorian Campus is affiliated with the Sisters of the Divine Savior and is a non-profit facility. St. Anne’s capacity includes 43-assisted living and 51 enhanced assisted living apartments. Assisted living apartments are studios, one bedroom and two bedrooms; enhanced assisted living apartments are spacious studios; and all apartments include private bathrooms and kitchenettes.

Spouses may share apartments. There is a non-refundable enrollment/endow-

Introducing...

Windsor Place Assisted Living at Tudor Oaks

F

rom wellness opportunities to lifestyle activities and chef prepared meals, all our assisted living programs are designed to address the “whole person.”

W

herever you or your loved one are on life’s journey, we invite you to call or stop in to discuss your situation and needs with our professional consultants.

Offering multiple levels of care and providing the lifestyles and environments that allow people to live to their greatest potential.

Windsor Place

Assisted Living For those seeking a bit of help with life’s daily tasks such as bathing, dressing and medication management.

Windsor Place

Memory Care For those experiencing memory loss and associated concerns.

414-525-6500

www.TudorOaks.net

S77 W12929 McShane Drive, Muskego, WI 53150

Tudor Oaks is owned and operated by American Baptist Homes of the Midwest, a not-for-profit provider of senior health care since 1930.

AUGUST 2015 • 50PLUS

• 11B

DIRECTORY ment fee for assisted living, and the fees for enhanced assisted living are refundable in six months. Monthly rent starts at $3,840 - $5,990 for assisted living; $4,500 - $5,500 for enhanced assisted living; and all include a meal plan. Our recreation/programs include exercise and yoga classes, scripture studies, bus outings, social clubs, art and music, book club, table games, cooking and baking, and pet visitors. Medical personnel on staff include an RN director, LPNs and CNAs. Residents have the comfort of their own private apartment and support and services they need, while continuing to be as independent and active as possible. St. Anne’s also offers short–term rehab, memory care, a beautiful park with walking paths and pond, worship services and much more.

12B • 50PLUS • AUGUST 2015

Assistance in Living

DIRECTORY ST. CAMILLUS ASSISTED LIVING

10101 W. Wisconsin Ave, Wauwatosa 414-259-6310 St. Camillus Assisted Living is a network of service programs designed to meet different levels of need in a safe, wellness-oriented and serene setting.

These service programs provide four levels of care to meet the diverse needs experienced by seniors. St. Camillus Assisted Living is integrated within a full continuum of care that includes independent living, skilled nursing, rehabilitation therapy, home care and hospice. Our Assisted Living and Memory Care Programs are designed to carefully monitor and provide support around the clock. The 24-hour a day availability of staff to regularly assess any changing health needs provides greater assurance to residents and family. Our caring team of nurses and residential aides blend residents’ independence and daily support.

Our recreational therapy team offers varied opportunities for meaningful social, physical and spiritual activities. St. Camillus Assisted Living offers one bedroom apartments and studios. St. Camillus offers an on-site medical clinic, massage therapy, podiatrist and pharmacy services. Additional on-site services include transportation, banking, beauty salon, country store, library and chapels. St. Camillus is a faith based, not for profit, organization sponsored by the Catholic Order of St. Camillus and has served the Milwaukee area for more than 75 years.

THE VIEW AT PINE RIDGE

Faith is the Heart of Our Home Assisted living • Skilled nursing Short-term rehab • Memory care • Respite care SPONSORED BY THE SISTERS OF THE DIVINE SAVIOR

Compassionate Care Since 1876

414-463-7570 • www.stannessc.org

3800 N. 92nd Street • Milwaukee, WI 53222 • info@stannessc.org

CLE Haven Assisted Living Center Cudahy

1000 Pine Ridge Ct., Oconomowoc Contact Person: Kimberly Otte-May 847-922-1792 • www.theviewatPineRidge.com The View at Pine Ridge assisted living and memory care is a unique community in that we are passionately committed to making a difference in continuing one’s life story by providing the highest quality of care through a supportive environment that promotes health, independence, security and social interaction of all residents. Our home like community encourages a relaxed, stable and stimulating environment of resident centered care that challenges each resident to remain active and involved with a sense of purpose. We offer a beautiful setting by the Oconomowoc Country Club off of Lisbon Rd. with spacious suites with private bathrooms starting from $3,000 to over $7,000 monthly for our deluxe suites. We offer the View For Life programming to include 24 hour passionate & compassionate staff that have specialized training, licensed nursing, nutritionally balanced and freshly prepared meals including smoothies, on-site therapeutic services to include physical therapy, occupational and speech therapy, art and music therapy as well as life journaling.

AUGUST 2015 • 50PLUS

Assistance in Living TUDOR OAKS RETIREMENT COMMUNITY

S77 W12929 McShane Dr., Muskego Contact: Marketing 414-525-6500 Tudor Oaks Retirement Community is affiliated with American Baptist Homes of the Midwest and is non-profit. Capacity of the facility includes 36 RCAC and 22 CBRF Memory. CBRF rooms include a studio with private bathroom and shower. RCAC rooms - an alcove with separate bedroom, living and tea kitchen with private bath. Enrollment/endowment fee is only for Independent Living. Spouses may share room/apt. Refundable based on contract selected and monthly rent based on care level. Meal plan included with monthly fee.

Our recreation/programs include fitness classes, swimming, music, games, spiritual programs, bus trips and entertainment. Medical personnel on staff include a CNA 24/7 on the floor, and RN 24/7 on campus. Assisted living helps residents stay as independent as possible while providing for their needs. Residents enjoy social opportunities while living in a safe and happy community. All housing is under one roof from independent to assisted to skilled with rehab care. Longterm staff provides caring and compassionate assistance.

VILLA ST. FRANCIS

1910 W. Ohio, Milwaukee Contact Person: Lisa A. Richardson 414-649-2893 • www.villastfrancis.org Villa St. Francis is an assisted-living community, which is sponsored by the Felician Sisters, a non-profit ministry. This community features over 100 private apartment homes which include studio, studio plus, one-bedroom, one bedroom deluxe and two-bedroom apartments. There is a one-time, non-refundable application fee of $300. The monthly service fee is based on the style of apartment a resident chooses and the needs and wants of each individual resident. Our care plans are uniquely designed to meet each resident at their level of need. The base fees range from $2936 to $4422, which includes medication administration, two home-cooked meals (a third meal available at $160 per month). All meals are prepared on-site and our chefs cook homemade meals which cooked from scratch. The community offers three levels of care ranging from $526 to $1555 a month. The level of care is determined by using an assessment tool to determine specific needs with activities of daily living. Villa St. Francis offers a meaningful life-enrichment schedule designed to engage our residents physically, therapeutically, intellectually and spiritually. Life enrichment includes exercise, social bus outings, pet therapy, cooking classes, word games, intergenerational engagement with schools and so much more. Villa St. Francis offers daily Mass and Rosary.

There is also a weekly Ecumenical Interfaith service as well as other devotions throughout the month. The perfect combination of spirituality, socialization, balanced nutrition and reliable medication administration makes Villa St. Francis an inviting atmosphere. Our individualized wellness plan gives residents just the right amount of care they require to help them embrace the independence they desire to enjoy a purposeful life.

• 13B

DIRECTORY VMP MANOR PARK

3023 S. 84th Street, West Allis Contact Christy at 414-607-4100 and

VMP TRINITY

7300 W. Dean Road, Milwaukee Contact Peggy at 414-371-7300 www.VMPcares.com VMP Senior Care is a private, non-profit provider of senior housing and healthcare, in operation since 1925. VMP provides a full continuum of care at two locations, with independent living rentals, assisted living, skilled nursing, rehabilitation and ventilator care. Rates vary by size of room and number of occupants.

VMP Manor Park: Assisted Living (CBRF): Single rooms or apartments with kitchenettes. Three meals per day, whirlpool bath, housekeeping, laundry, exercise, transportation, music and recreation therapy, memory activities. 24/7 nursing care and medication administration.

VMP Trinity Assisted Living (RCAC): Studio, 1 & 2 bedroom apartments with 1 & 1 ½ baths. Transition from independent living without moving in select units. Three meals per day, housekeeping, laundry, transportation, medication administration and social activities. Onsite RN Clinical Coordinator, 24/7 nursing care. We accept Family Care.

VMP also offers short-term rehabilitation services and an active Senior Community Club, open to residents and community. On-site chapel and medical clinic.

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EDITORIALS

14B • 50PLUS • AUGUST 2015

Road America MONEY SENSE

By Karen The highway winds in aEllenbecker meander& Julie Ellenbecker -Lipsky Elkhart ing manner as you approach Lake from the South along Hwy. 67, but suddenly there is the reason many hundreds of thousands of motor sport enthusiasts have, at times, welled this 1,100 population community to numFinancial Fi i l Wellness W ll “Planting Tomorrow’s bers so high that believing may only Dreams Today” be by actual counting.

Yes, this

By Brad Olson, is CFPRoad America. gangsters and prostitutes, who beckRoad America actually is a 32 ft. oned to people of money from the cities wide ribbon of concrete that curves, to the south after Otto Osthoff, brought rises, drops and winds its way over his ill wife there in 1870 while seekAPRON Emma four miles through STRINGS typically KettleAnswer ing a cure Man to her pulmonary ailments

By Auntwords Emma KetMoraine countryside. The in the cool and fresh air. While early tle Moraine, of course, are French for in Elkhart Lake among developers and pots and pans. promoters, Osthoff, about 30 years beElkhart Lake, once a prohibition fore the turn of the 20th century, began mecca in the mid-north hills and val- turning the previously quiet little comleys of Wisconsin and later havens for munity at the side of a glacier-filled

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lake into a village of resorts that were filled with vacationers, generally, from as far away as St. Louis and Chicago.

Most vacationers early-on arrived via train.

The Osthoff Resort now offers several hundred guest accommodations plus 3,800 sq. ft. of ballroom and/ or commercial-convention space.

But even Osthoff could not provide the real spark to boost economic life in Elkhart Lake as the troops returned home from World War II. The community needed help; new ideas had to be on the horizon and it came mainly from hometown banker James Johnson, who led a group of local citizens in promoting an around and through town road race. The first races’ starting and finishing points were right along aside the then feed mill that now houses a Mexican food restaurant and a juice bar. The golden bags of animal feed and seed are no more.

Within two years, more space was necessary. A better and more interesting track had to be developed. A stock company was formed and the board of directors, following Johnson’s lead, developed Road America. Board members not only knew racing, but also loved it and knew how to bring this sizable dream to reality. What a great reality it has become!

Sprawling over almost 700 acres, Road America annually has 10 to 12 major, or large audience feature races. In addition, the track and its various tourist facilities are utilized in various ways almost every day of the year with car testing, schools for teen driving, high performance driving, winter driving, off-road and motorcy-

cle drivers, outings and conventions.

Wouldn’t you thrill to driving 110mph down that raceway or just enjoy cruising around the track? on a sunset drive on the legendary track. This last is available certain days for $20.

You will note from the track map that accompanies this story that there is ample vehicle parking, camping facilities and even a more sophisticated RV parking area where electrical hookups are available. Spectator parking is sprinkled all along the tree-dotted areas along the track, but sufficiently far away for safety.

Perhaps the biggest spectator draw off the year was July 16-19 at the HAWK International Challenge with Brian Redman (vintage). Three races in August and the season finale on Sept. 18-20 are still ahead this racing season.

Gate prices for full events run from $105 to $140 for full events with the exception of the finale at $60. We suggest persons interested in attending any of these races call 1-800-3657223.

Road America, in existence for 60 years, basically has not changed. It can be much more than a car racing track.

It has been referred to as “Four miles of fitness” due to other fitness events including the Friday, August bicycle event and the Saturday, October 24, Road America Run/Walk.

Remember the phone number, 1-800-365-7223.

As for locating Road America, it is less than 10 miles north of Plymouth and about 20 miles inland from Sheboygan.

TRAVEL AUGUST 2015 • 50PLUS

Financial Fi i l Wellness W ll

Brewers, dogs and fuzzy thinking SENIOR APRON STRINGS Answer Man

• 15B

“Planting Tomorrow’s Dreams Today”

MOVING IN THE RIGHT DIRECTION

By Brad Olson, CFP

By Bruce Nemovitz

I do know the why and the wherefore of being a resident of the near South side. Right now, I feel kind of cheated for not seeing any animal out of the ordinary when all those other folks, in different parts of the place we refer to as suburbia, have been seeing, or at least believing they did, a lion AGING ISSUES or possibly just a very big cat roamBy Tom Frazier ing through their backyards.

I do question the veracity of their statements as none of them says that it is tipping over garbage cans seeking food or devouring the house pets.

While I am thinking of animals, hubby Henry was quite disturbed by a recent incident along the Hank Aaron PLANTING Trail in which a smaller dog was atTOMORROW’S DREAMS TODAY tacked by a large one and needed vetBy Brad Olson erinary care. The Aaron Trail is named in honor of a Milwaukee Brewers’ legendary baseball player. He was unrelentingly good at the game and, even better, one of the nicest and gentlest of the men who ever wore those uniforms.

SPORTS

By Jack Pearson

Emma

By Aunt Emma

ory and other cognitive skills way too quickly as opposed to men. Even more frightening for we women, two-thirds of the people who have Alzheimer’s disease are said to be women. Hasn’t always been a known fact that we are the stronger, or supposedly so, of the male-female comparisons?

Henry just popped into the room and said this is true. A lot of the men, he claims, just have half-heimer’s, which he claims is the same as only being semi-senile.

I told Henry to just go get lost for a bit right now.

What really scared the bejeebees out of me is the fact that one in nine older folks have memory problems or other problems apparent if and when a person has Alzheimer’s. The ever-rising cost of care is going up, almost as Henry might say, through the roof.

What’s worse is the disease is expected to spread, to affect more than just one person in every nine. Just think about this. Pick out nine of your friends.

Which one will be affected with Alz-

IT MAKES ME CRABBY

This big dog supposedly broke away from its owner. I guess what happened would scare almost any dog fancier. While the story had a nicer ending as the small dog recovered, we can’t let these types of things occur. Henry says an older fellow at the plant said it would have been like turning Joe Louis, also known as the Brown Bomber in the 1930’s and 40’s, loose on a teenage runt. Well, this is enough about that.

What I really want to get into with you today is something about Alzheimer’s disease. What really does concern me is that statistics indicate that women are more prone to be affected by the disease than men. I recently read that women with the beginning of the disease progress on deterioration of mem-

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heimer’s disease? Let’s hope it is only one such person!

Why does it affect us more? One such answer, to my thinking, is that we as females live longer than men. This may or may not be a reason. The people who study these types of things claim that there is a definite hormonal imbalance between the sexes that may bring memory loss more to the forefront among we girls.

To prove, or at least add weight to the women’s side of things, I’ll close with a dumb thing Henry just told me.

He said “Cauterize” and then asked me to tell him what it meant. I did, but he said I was all wrong. This is the way a hillbilly would think as he caught her eyes as in romance. The next thing he’ll want me to write to you about is that Pelvis could be Elvis’ sister.

Just whom do we think might be on a fast track to Alzheimer’s?

I hope to be with you again in September.

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16B • 50PLUS • AUGUST2015

SOLVING THE SENIOR TRANSPORTATION PROBLEM WITH YOUR HELP

No matter where you live, work or want to get involved, we’ll match you with the best way to help!

Visit DriveGiveServe.org today!

AUGUST2015 • 50PLUS

We Saw You At . . .

• 17B

The Brookfield Rummage & Craft Daze

By: Margaret Pearson As summertime outdoor sales fairs go, this one was a dandy, a potpourri, a miscellany, a conglomeration event that seemed to offer everything.

It was the annual Brookfield Jaycees Rummage & Craft Daze, again held in Wirth Park, and happy to say, the weather was perfect. Many of the patrons brought their tail-wagging dogs along, which added to the camaraderie.

A few of the happy faces there belonged to:

Barb King of Brookfield and three members of the Golden Retrievers Rescue Club.

Margaret and John Sutton of Brookfield.

Nancy Langlas of Pewaukee.

Is your home ready for the Fall market?

With interest rates low and winter coming, now is the perfect time to sell! Take advantage of the Fall market while there is less competition and buyers are serious!

T R U S T. E X P E R I E N C E . I N T E G R I T Y Bruce & Jeanne Nemovitz have been helping seniors transition from their homes for over 35 years. Selling your home doesn’t have to be a burden. WE CAN HELP!

CONTACT US TODAY FOR A FREE CONSULTATION: (262) 242-6177 www.BrucesTeam.com | Jeanne@BrucesTeam.com | Bruce@BrucesTeam.com

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HERMAN WHITE WRITES 18B • 50PLUS • AUGUST 2015

ARTS

ENTERTAINMENT

calendar

August 1, 1:30 Eagle Diamonds vs.

Wade House Red Jackets Old World Wisconsin Highway 67, just south of Eagle, Wisconsin The 600-acre regional history attraction features interactive environments and immersive stories of 19th- and early 20th-century Midwestern immigrant farm and rural life. Admission to the game is included with Old World Wisconsin admission.

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August 6, 10 am – 8 pm Meijer Free First Thursdays, Milwaukee Art Visitors Milwaukee Art Museum,

By Enis Wright 700 N Art Museum Dr, Milwaukee Visitors have had the opportunity to experience the Milwaukee Art Museum’s collections, exhibitions, and programs free on the first Thursday of the month.

G TIME with Jim McLoone August 1, 10 am – 5 pm August 2, noon – 4 pm The 46th Annual Architectural Treasures Tour Docent-led tours feature an eclectic mix of distinctive properties in Cedarburg and Mequon. Purchase tickets online at CedarburgCulturalCenter.org or call 262-375-3676.

August 2, 10:30 am – 8 pm Sacred Heart Parish Festival Sacred Heart Parish, 917 N. 49th Street, Milwaukee Enjoy games, raffles and silent auction. Croatian Style spit roasted lamb & pork sold by the pound. Also available is lamb, pork & chicken dinners, and hamburgers, sausages, hot dogs and more. Homemade European desserts, cream puffs & strudel. Music Grant Kozera Band, Croatian Music & Slovak Dancers. All are welcome.

August 5 – September 9, Wednesdays, noon – 2:30 pm Healthy Living with Diabetes Southeastern Oneida Tribal Services, 5233 W. Morgan Ave., Milwaukee This workshop is designed to help adults with type 2 diabetes, pre-diabetes or those living with someone with diabetes, learn self-management skills and increase their confidence in managing their diabetes. Learn techniques to deal with the symptoms of diabetes, learn about appropriate exercise, use of medication and healthy eating strategies. To register call Deb at 414329-4104.

August 8, 9 am – 3 pm Zentangles and Mindfulness Cedar Valley, 5349 County Road D, West Bend Joyce Block and Don McCollum, certified Zentangle instructors and retired educators, will teach the unique art form of drawing repetitive patterns as a way of meditation. The workshop will include guided meditation in the activities along with silent and/or visual means to accomplish the drawings. Space is limited and registration is required by calling 262629-9202.

August 6-16 Wisconsin State Fair Wisconsin State Fair Park, 640 S. 84th St., West Allis Ten days of rides, food, livestock and entertainment for all ages. Make sure to see all the new events: plein air at the fair, sporkies finals during the fair, Sprecher Landing, and the sea lion splash. Visit wistatefair.com for daily deals and schedules.

Saturday, August 8, 9 am to 3 pm American Accents: A Festival of Fine Arts and Crafts Willowbrook Park, 109 N Main St, Hartford Now in its 29th year, this festival features over 80 craftsmen and artisans offering all handmade items. There is something for everyone: yard art, beaded and gemstone jewelry, wooden accents and furniture, photography, paintings, needlework art and clothing as well as handmade soaps and spicy dip mixes! Local musicians provide a special background accompaniment to a perfect day in the park!

August 8, 7 am 16th Annual Hank Aaron State Trail 5K Run/Walk The walk/run starts near the Klement’s Sausage Haus (on the east end of Miller Park Stadium). Due to course conditions, rollerblades and roller skates will not be allowed. Due to insurance regulations, headphones and dogs are not allowed. Free parking available in East Lot of Miller Park. Register online at www.getMeRegistered.com

August 11 – September 22 Tuesdays, 1:30 – 3:30 pm Stepping On, Falls Prevention Workshop Aurora Sinai Med Center, 960 N. 12th Street, Milwaukee Stepping On is a program proven to reduce falls and build confidence in older people. Participants gain specific knowledge and skills to prevent falls in community settings. It is designed specifically for people who are: 1) at risk of falling, 2) have a fear of falling, or 3) who have fallen one or more times. Free, but participants pay $20 deposit for ankle weights. For more information or to register, call 414-219-5241.

August 12, 6- 10 pm Tosa Tonight Summer Concert Rotary Performance Pavilion Hart Park, N. 68th St. and W. State St. Wauwatosa Milwaukee Irish Fest Foundation presents: A dual bill Irish Fest preview with Dallahan (from Scottland) and Socks in the Frying Pan (from Ireland). Music starts at 6pm.

August 13-16 35th Annual Irish Fest Henry Maier Festival Park, 200 N Harbor Dr., Milwaukee This festival is sure to bring out the Irish in all ages. Activities include: live music, Leprechaun Village, parades, family activities including the family passport, Mass, baking contest, raffles and an abundance of food and beverages.

August 15 & 16, 10 am – 5 pm Festival of the Arts Fowler Park, N. Oakwood Avenue, Oconomowoc, WI This festival is considered one of the best outdoor-juried art fairs in the Midwest with over 140 artists from across the country. It is held on the beautiful shores of Fowler Lake in Fowler Park and is visited by thousands of attendees each year. The Festival also includes live entertainment on three stages, a silent auction and several food vendors.

August 15, 9 am – 4 pm Menomonee Falls Pet Fair Rotary Park, Fond du Lac Ave., Menomonee Falls Join us at the 8th annual HAWS Pet Fair in Rotary Park off Fond du Lac Ave. on August 15th, 2015. Food, raffles, vendors, demonstrations, Photography Portrait with donation to HAWS, clippings, micro-chipping and more. Stop by the Paws Pledge for Pet Poop Pickup booth at the fair, too.

August 15, 11 am – 9 pm IndiaFest Humboldt Park, 3000 S Howell Ave, Milwaukee.

IndiaFest is a free family festival in Humboldt Park that celebrates the culture of India. Along with music and dance performances, there is also a fashion show, singing competition, authentic Indian cuisine and marketplace. For more information, check www.indiafestmilwaukee.org.

August 19 Community Vibes featuring Up All Night Brown Deer Village Park, 4800 W. Green Brook Drive, Brown Deer Free live music, local food vendors and businesses. Listen to Up All Night, A youthful, high-energy group that plays a variety of hits, spanning over seven decades of music! Playing your favorites from Bruno Mars, Carrie Underwood, Journey, Bon Jovi, Justin Timberlake, Aretha Franklin, The Beatles and More!

AUGUST 2015 • 50PLUS

August 20, Making Manitowoc Memories day trip New Berlin Senior Citizen Club,14750 W. Cleveland Ave., New Berlin. The New Berlin Senior Citizen’s Club has several exciting trips planned for late 2015. Trips are first available to club members and then to non-members when room is available. The cost of each trip varies according to the destination and length of trip. Please call the Senior Center at (262) 785-2725 for more information about our travel plans.

August 20, 2 – 3 pm Word Class 1 Brookfield Public Library, 1900 N. Calhoun Road, Brookfield Topics include: Starting Word; Creating a new document; Moving the cursor around; Saving a document; Printing a document; Editing techniques (including cut/copy/paste); Closing Word; Opening a saved document; and Using a flash drive.

Keyboard and mouse skills required.

Registration required by calling 262782-4140, option 1.

August 20, 21, 22, 27, 28, 29; 7:30 – 9:30 pm Picnic by Wiliam Inge SummerStage, Lapham Peak W329 N846 County Highway C, Delafield The play takes place on Labor day Weekend in the joint backyards of two middle-aged widows. The one house belongs to Flo Owens, who lives there with her two maturing daughters, Madge and Millie, and a boarder who is a spinster schoolteacher. The other house belongs to Helen Potts, who lives with her elderly and invalid mother. Into this female atmosphere comes a young man named Hal Carter, whose animal vitality seriously upsets the entire group. For more information call 262-337-1560.

August 20 – 23, 9 am – 10 pm Milwaukee A La Carte Milwaukee County Zoo, 10001 W Bluemound Rd, Milwaukee “Feast with the Beasts� showcases the city’s finest restaurants and the hottest local bands. For more information call (414) 771-3040 or visit the website at www.milwaukeezoo.org/ events/.

August 20, 7:30 – 9 am School of Continuing Education Open House UWM School of Continuing Education, 161 W. Wisconsin Ave., 7th Floor Open up to the possibility of career advancement, new skill sets, improved knowledge and increased value. Registration is required for this free event and a light breakfast will be included.

August 21, 7 – 11 pm Rock the House Charity Concert Turner Hall, 1034 North 4th Street, Milwaukee The third annual “Rock The House� fundraiser benefits the Ronald McDonald House Charities and will feature The Eddie Butts Band and gospel singer Debbie Allen. Tickets are available at www.RMHCHOME. org.

August 21 - 23 Mexican Fiesta, noon - midnight Henry W. Maier Festival Park, 200 N Harbor Dr., Milwaukee Join in on the fun as we celebrate three days of fun, food, Mariachi and Fiesta for everyone. For more information visit www.mexicanfiesta.org or e-mail to info@mexicanfiesta.org August 27, 5 – 9 pm Jazz in the Park Cathedral Square, 520 E. Wells Street, Milwaukee Altered Five Blues Band will take the stage at 6. Enjoy a delectable brew of blues and soul with inventive arrangements and distinctive sound. Enjoy great drink specials during happy hour from 5-6pm! They love dogs, but ask that you please leave your little furry friends at home during Jazz in the Park.

August 29, 10 am – 6 pm Fromm Petfest Henry Maier Festival Park, 200 N Harbor Dr., Milwaukee Free admission, free parking, fun festival for the whole family including pets. There will be live music, an adoption avenue, groom room, dock diving, lure and agility courses, shopping and more. For additional information go to petfestmke.com

• 19B

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