Page 1


The truth about Social Security page 9A




Meet the real Bo Ryan

Do you know your geography? page 16A

page 1B

Supportive Care Directory page 3B

ED February 2014 Vol 27 No. 2




By Matt Pommer

Are pardons out of style? page 3A



By Karen Ellenbecker & Julie Ellenbecker -Lipsky Barbara and Ron Zimmerman, of

Don’t fear housing options


page 3B


“It’s time to finish the CARE:statewide APRON expansion” Emma STRINGS

Make sure your advise is best page 6A

Quick tour of Spain page 18A

Waukesha, enjoyed the warmth of the indoor home show in January.

By Bruce Nemovitz



Baby, it’s cold outside!



By Karen Ellenbecker By Tom Frazier & Julie Ellenbecker “The successes of continued system reform… -Lipsky as presented in this report, establish that it is time

to -finish the statewide expansion of managed longterm care.” That is the conclusion of the most recent report from the Wisconsin Department of Health




Services (DHS) to the Legislature’s Joint commitBy Aunt Emma tee on Finance. You may remember that during the process of adopting the 2013-2015 state budget, the Joint Committee on Finance was under pressure from seven counties in northeastern Wisconsin to include them in the Family Care program. As often happens, the Committee members voted to study the issue, and requested that DHS submit a report to them in December 2013 on the “long-term outlook for the Family Care program in Wisconsin.” As someone who has followed the reform of long-term care programs in Wisconsin for many years, there was not much in the report that we did not already know but, at least, it is more documented evidence citing why it makes fiscal sense as well as FRAZIER continued on page 3A




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• 3A

Badger compassion: Are pardons out of style? There appears no chance for a second chance in Scott Walker’s Wisconsin. The governor refuses to accept petitions for pardons, contending it would undercut judicial power. The governor’s position spelled out shortly after he took office seemed a step to avoid controversy. But his refusal to use the power has itself stirred controversy. Both the federal and state constitutions give the chief executive the power of pardons. The concept dates to the 18th Century Federal Papers. And Article 2, Section 2 of the U.S. Constitution gives presidents the “power to grant reprieves and pardons for offenses against the United States, except in cases of impeachment.” The great presidents have used it wisely, history suggests. The Wisconsin Constitution gives governors the “power to grant reprieves, commutations and pardons, after convictions for all offenses, except treason and impeachment, and with such restrictions and limitations as he may think proper...” Walker, who seems interested in becoming president of the United FRAZIER continued from page 1A programmatic sense. Despite the extremely positive conclusions of the report, it still must obtain the blessing of the Joint Committee on Finance to be implemented in the remaining 15 counties (the seven NE counties and eight additional counties). Right now, Wisconsin operates the Family Care program in 57 counties, and so-called “legacy waiver” programs (a.k.a. Community Options Program or COP) in the remaining 15 counties. One major reason for reform was that the old waiver programs had waiting lists for people to receive services in their own homes but not for nursing home care which is a required service under the Medicaid program (i.e. if you are eligible, you cannot be denied care). In Family Care counties, there is equal access to home care as well as to nursing home care. Probably the primary fiscal conclusion of the report was that it would cost the state $34.7 million more to maintain


States, may be asked as the presidential search begins whether he would adopt a no-pardon approach if he were in the White House. His inaction attracted broad media attention late last year when a decorated Marine veteran who served MOVING IN THE two tours of duty in IraqDIRECTION and Kuwait RIGHT sought a pardon. Two days Nemovitz after his reBy Bruce turn from the war zone he had stepped between a jealous husband and a friend. It was a one-punch fight for the six-foot, two-inch veteran. He pled no contest to a felony substantial-battery charge, served two years of probation and paid the victim’s medical bills. A decade later, he AGING sought a pardon so he could apply forISSUES a police job. By Tom Frazier Questioned by reporters, Walker said the veteran should look for some other kind of work. the two separate programs versus expanding Family Care to all 72 counPLANTING ties. TOMORROW’S According to theDREAMS report, TODAY there are By Brad Olson over 48,000 people enrolled in home and community-based programs, including Family Care (34,500), legacy waiver programs (6100), and IRIS (7500) as of December 2012. IRIS is a self-directed long-term care program that is only available in Family Care counties. They are the approximateSPORTS ly 6100 people in waiver programs Pearsonthan that would cost moreBytoJack continue it would be to phase-in Family Care and IRIS in those 15 counties. Older persons represent 26% of Family Care members, 14% of IRIS members, and 25% of waiver program members. As the report states, “The continuation of these parallel Medicaid long-term care systems provides no additional value for residents of the state.” Other fiscal conclusions include that Family Care does not have any significant impact on increasing the

If you grant one pardon, there will be others seeking pardons, the governor told reporters. More than 800 pardons have been granted by the last five governors, men of both parties. Cynics may suggest Walker has been too busy traveling America giving political speeches to get involved in pardon requests, even though a board traditionally screens such requests. Donald Bach, a Republican attorney who advised former RepubMONEY SENSEtold lican Gov. Tommy ByThompson, Karen Ellenbecker & Julie Ellenbecker the Wisconsin State Journal he thinks -Lipsky Walker is making a mistake. “The whole basis of this is there ought to be someone - just one person - who can look at what society has done and say, “I forgive’,” he said. APRON Or,Emma perhaps, Walker understands STRINGS the mood of a majority of WisconBy Aunt Emma sin citizens. Forgiveness may not be a strong point among Badger citizens even if leaders like Pope Francis have urged a more compassionate approach to life. Wisconsin has tough criminal drug penalties, and law and order is a popular topic for political campaign speeches. The Wisconsin Constitution bans same-sex marriages and the state

has among the toughest anti-abortion laws in the nation. The state also is tight-fisted. Wisconsin ranks 44th in charitable giving, according to Internal Revenue Service data analyzed by the Chronicle of Philanthropy. Those with adjusted gross incomes in excess of $50,000 contributed 3.7 percent of their incomes. The national average was 4.7 percent. Wisconsin will get a test for forgiveness and compassion this spring when the Milwaukee Brewers baseball team returns to Miller Park. Super star Ryan Braun will be back in the outfield after concluding his suspension for drug use and initially stonewalling league investigators. Part of the baseball magic is that you dream your team has a chance to do something special in the new year. But how do Wisconsin’s Little Leaguers balance that with Braun’s past troubles? Will they find a new hero in Milwaukee? Or will Wisconsin fans forgive Braun and give him a second chance to recapture the hearts of both the young and old despite “pardons” being out of style.



SENIOR Answer Man




overall enrollment numbers and costs of the Medicaid program, and, in fact, lowers the cost over time, including relocation of nursing home residents and less utilization of nursing homes; and lowering the cost of other Medicaid services, such as fewer physician visits and hospitalizations. In fact, the report says that “Limiting access to home and community-based services in the near-term risks increasing care costs in the long-term.” In addition, the report states, “If access to homeand community-based services remain limited, then reliance on nursing homes to provide long-term care may increase.” A powerfulByargument Enis Wrightfrom a program or people perspective is the unfairness of maintaining two separate systems which result in inequality to access to long-term care services, including home and community care. Or as the report puts it, “People’s ability to receive long-term care outside of an institutional setting should not



be dependent on where they live in Wisconsin”, and “the most cost-effective residence is a person’s own home.” I couldn’t agree more that “it is time to finish the statewide expansion” of Family Care, but, keep in mind, that expansion must be approved by the Joint Committee on Finance and the Governor, both of whom had almost the same information last year but refused to act.



60Happy Valentine’s

KILLING TIME with Jim McLoone


-Lipsky -Lipsky


4A • 50PLUS • FEBRUARY 2014

ByBy Bruce Nemovitz Bruce Nemovitz

Emma Emma



Answer Man

ByBy Tom Frazier Tom Frazier



class of 2012, has enormous debt. An estimate is that 71 percent of the graduates have debt that averages over $29,000. The debt just keeps heading upward with interest charges. College costs are becoming quite unrealistic. Are professors really worth their pay? The success rate of college graduates gaining college-required employment within a year of leaving school is about 60 percent. Could we look forward to more online learning?

T of





60 HERMAN WHITE WRITES I am a bit crabby today as I am hurting in many muscles that don’t get much exercise. You see (no you really don’t), I volunteered to help an old (Is there any other kind these days?) friend move a piano from one room to another. But first, we had to place rollers under the legs. Ugh! Another friend, Johnny, also volunteered to help us with the chore. To make a sore back seem a bit better, I will tell you that Fred and I grunted and groaned as we slid the

ME with Jim McLoone




rollers under the piano and later took them off while Johnny pushed the piano bench into the other room. I have heard that you can’t really judge a broom by the dirt it pushes into the corners. I guess I really shouldn’t judge Johnny by his taking the easy way. I have a feeling of great satisfaction and sore muscles to go along with it. Would I do it again? Of course I would. So as my better half might tell me, “Then quit your belly aching.”



calendar calendar

60 60










withJim JimMcLoone McLoone KILLING KILLING TIME TIMEwith

With the state of Colorado apTim “Dancing proving the sale of retail marijuana, Red Hawk” McInhow soon will it be before Colorado, tosh “drummed” a great program repreviously known for its snow sports, cently at Shorehaven Center for Life becomes cheered by tooPLANTING many as Enrichment in Oconomowoc. Tim, a the state where you can TOMORROW’S get a Rocky Cherokee and an ordained minister, DREAMS TODAYshowed that drumming can reduce Mountain High? By Brad Olson blood pressure, anxiety, calm the agTTTTT Do Cheerios own stock in Gen- itated and those with Alzheimer’s. eral Motors? We wondered what it How about those of us who only have was all about as we read that Cheer- half-heimer’s? ios no long would have GMO’s? The TTTTT GMO’s are abbreviations for “GenetiMary Todd Lincoln will not recally Modified Organisms.” turn to life when and if you see JessiTTTTT ca Michna in action. The former First Do treat the love of your life nice- Lady had a tough life. We hope Jessily on Valentine’s Day. Without doing ca’s is a lot better. SPORTS so, you may not even be treated to a TTTTT By Jack Pearson piece of coal in your stocking. Who The oldest person to ever say in needs to be told that date is Feb. 14? KILLING TIME continued on page 23A TTTTT


Hartland, WI 53029




By Karen Ellenbec



Most graduates from college or a university today can read, write (even do cursive), show up for work on time, be able toMONEY read and follow inSENSE By Karen Ellenbecker structions. Of course, twittering and & Julie Ellenbecker -Lipsky for granted. texting skills are taken The graduate – or his or her parents – paid great sums of money for their degrees. In truth, the vast amounts of money still owed for education is APRON Emma quite burdensome. Sadly, STRINGSmuch of it perhaps never will be repaid. By Aunt Emma The average college graduate,


death, life after our death for ITITMAKES MAKESME MEabout MONEY our loved ones and what we will be SENS

not know when we will die or how. remembered for or forgotten because & Julie Ellenbeck But will we be forever forgot- of. We suggest that all persons can-Lipsky drawing from the program. They eiten as soon as we are gone? This is a leave some type of legacy; funds to be ther needed the financial help or did question and it does bother some old- utilized for some action by which you not believe they would live long MOVING IN THE will be remembered even if it is only er people. RIGHT DIRECTION enough to collect the larger sums. PLANTING PLANTING A visit to the funeral home cera pew in your name at your church. TOMORROW’S By Bruce Nemovitz TOMORROW’S Many of these early retirees are, in DREAMS TODAY DREAMS TODAY tainly is in order, but for that visit, There also are numerous scholarships, Brad Olson fact, cheating themselves in the By long By Brad Olson you really don’t care to the person be- research projects, hospitals, nursing Emma run as they age and age and age. ing stared at in the coffin. Remember homes, senior centers, hospices that If you are approaching Social Sehow your spouse always said, “My, could use a bit of financial aid By for Aunt Emma curity age, you may wish to look at doesn’t he look handsome with his which you will be remembered, posSocial Security Choices (social sehair combed so neatly and even his sibly slightly or with a plaque. or Social Security We believe what we must confinger nails cleaned” or “Her hair is Solutions (social securitysolutions. SPORTS SPORTS sider is how our donations will help done so nicely. Do you suppose the ByBy Jack Pearson Jack Pearson com) or visit with a qualified person undertaker did that or did they call in others. What better way could there at the nearest Social Security office. the theWRIGHT WRIGHTAGING be than to be an organ donor? a beautician?” ISSUES SIDE of SIDE of Think about the possibilities. Some few of us still blessed to By Tom Frazier ByBy Enis be on this earth, not inEnisWright it,Wright might think

KES College ME expenses


Answer Man

AGING AGING We realize that we will not live ISSUES ISSUES forever. But the vast majority of us do




APRON By Matt Pommer STRINGS STRINGS By By Aunt Emma Aunt Emma

Taking Social Security benefits early

There has been a prominent theory that the best thing a person about to retire can do is to wait as long as NEY SENSEpossible to begin taking the Social en Ellenbecker Security benefits. The reasoning for ie Ellenbecker -Lipsky this is that a person who waits gets an eight percent bump in dollars for each year he or she waits between full retirement age and age 70. The full PRON retirement age is not the same for all but is normally thought of as RINGS persons, age 65. unt Emma As many as 80 percent of Social Security recipients did not wait even for their full retirement age to begin


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With contributions EIG By Mattfrom Pommer Wealth Advisor Kristina Schnuckel. WHAT IS A CERTIFIED FINANCIAL PLANNER™? In the world of financial planning, there are two types of planners—those who are certified and those who are not. The difference between the two comes down to the scope of your enMOVING IN THE ofgagement. Non-certified planners RIGHT DIRECTION ten are only registered to review your By Bruce Nemovitz investments. While important, investments are only one piece of your bigger investment plan. A CERTIFIED FINANCIAL PLANNER™ professional has taken necessary education to the next level. They have passed the most strenuous test in their field. A CFP® professional takes a compreAGING hensive approach to financial ISSUES planning, integrating investments By Tom Frazierwith estate, tax and insurance planning to make sure you are getting the most out of your financial plan. Trying to understand the world of financial planning is like trying to take a sip of water from a fire hose! Choosing a professional and certified individu-

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SENIOR Answer Man




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Getting your financial house in order: Elder Law JANE L. WALKER, ATTORNEY In Jane’s 20 years of experience, she has handled a variety of legal matters. The primary focus of her practice is Estate Planning and Trust and Probate Administration. Her past experience has not only broadened her experience as an attorney, but given her a deeper understanding of human nature, the profound impact of conflict and hardship and the need for economical resolutions. Her firm is available to counsel families to avoid trouble and in troubled times. They can help prepare for death or incapacity. They help families protect and preserve their assets. They recommend preparing documents in advance of one’s incapacity that appoint a person of your choice to handle your financial or medical affairs. If those documents have not been prepared, they can handle the court proceeding necessary to appoint someone to make those decisions. After a death, they can assist with the transfer of assets through a probate or trust administration. It is important to have an experienced attorney who will give your case the detailed attention it deserves. The Walker entire staff recognizes the intimidation involved in finding the right Lawyer. The firm believes in the flexibility, dedication and experience to handle any challenge, no matter how simple or complicated the case becomes.

Let Attorney Walker and her firm advise you of your options in “plain English” so you can make the right decision for you and your family. Some of the areas in which they practice include: Estate Planning Wills Trusts Power of Attorney for Health Care POWER OF ATTORNEY FOR FINANCE At each stage of life, it is wise to look at your Estate Plan. If you became incapacitated, who would make your medical and financial decisions? Despite what many people think, it is not automatically your spouse. When you die, where will your assets go and how much money will it cost to get them there? I offer flat fees for many Estate Planning packages and can make the process as “painless as possible.” TRUSTS Revocable Living Trusts are established and often funded prior to death to avoid the probate procedure. Trust administrations can be complicated and the advice of an attorney should be sought. The most common trust, a Revocable Living Trust, is a trust document that can be created to hold your assets while you are living and transfer them upon your death. There are other reasons why a Trust

may be preferred to a Will besides Probate the ofcourt procedure We prepare Wills, Trusts,isPower Attorney for Finance, avoidance of probate; such as, privathrough which your Will is admitted, Power of Attorney for Health Care. Pre-planning allows YOU to make important choices. YOU decide who a personal representative is appointcy, tax savings, planning for minor handles your financial and healthis care decisions, it you or disabled beneficiaries. Although ed, and your estate administered. are unable to do so. YOU decide who will your When a family memberinherit or loved trusts cost more to establish, at your estate. death a trust administration can save one dies, dealing with the assets and you costs and fees. billstocan overwhelming you19 We are here assistbe you regarding Elder while Law, Title and planning a funeral. Planningare andgrieving Trust Administration. PROBATE Regardless of whether the decedent If you or your family have not planned ahead, we dies with a Will, a Trust, or intesAffidavits of Transfer handle Guardianships and Probates. Administering Estates in Formal tate (without a Will), I can help you and Informal Probate. through theorprocess. No matter how simple complicated your case may dedicated Administering Estates withbecome, or we are Elder Lawto handling any challenge. Guardianship without a Will. Administering Estates that are Title 19 Planning contested or uncontested.



PROTECT YOUR FUTURE! We prepare Wills, Trusts, Power of Attorney for Finance, Power of Attorney for Health Care. Pre-planning allows YOU to make important choices. YOU decide who handles your financial and health care decisions, it you are unable to do so. YOU decide who will inherit your estate. We are here to assist you regarding Elder Law, Title 19 Planning and Trust Administration. If you or your family have not planned ahead, we handle Guardianships and Probates. No matter how simple or complicated your case may become, we are dedicated to handling any challenge.



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ATTORNEY LINDA R. RENARD, Renard Law Office, LLC, a West Bend native, followed in the footsteps of her father, Henry F. Renard, who was a West Bend attorney and Family Court Commissioner for almost 40 years, and graduated from Marquette University Law School in May, 1988. Linda worked as an Associate Attorney in estate planning for a large Milwaukee law firm and then returned to practice in West Bend in 1989. After working for Schloemer Law Firm for several years, she took a short sabbatical to raise her young children and then opened her own practice in 1999. Attorney Renard provided independent contractor work to other law firms in the areas of probate and estate planning. Linda’s practice, now in its 26th year, includes estate planning and probate avoidance, probate and trust administration, elder law, guardianships, guardian ad litem work for the probate court, and residential real estate transactions. Her practice is located in her home on Glacier Drive in West Bend which lends itself to down-to-earth individual client attention. Linda’s goal is to build lifelong client relationships and her philosophy focuses on client education for sometimes difficult to understand legal issues. Attorney Renard is a member of the Wisconsin State Bar and Washington County Bar Associations, has acted as a legal advisor to advocates who are part of Citizens for Advocacy, and formerly served on the Board of Directors for the Washington County Family Center, Big Brothers/Big Sisters of Washington County, Wisconsin, and the Senior Citizens Activities Center. She enjoys speaking at seminars and has done so at Moraine Park Technical College campus, the YMCA, Edward Jones Investment Group, and others. Linda’s practice includes in-home visits when required, and nursing home visits, and she serves Washington and surrounding counties.

Renard Law Office, LLC Atty. Linda R. Renard 6749 Glacier Drive, West Bend, WI 53090 Phone: 262-629-5937 Fax: 262-629-5938


• 9A

More internet lies about Social Security By: Tom Margenau There is a silly, dumb and totally misleading email about Social Security that is floating around the online world — being passed around from one uniformed email recipient to the next. Several readers have sent it to me and asked me to comment. It actually has been polluting cyberspace for years, and I’ve written past columns debunking all the lies it contains. I thought it had finally run its course. But it’s back, and it is just adding more muck to the dung heap of Social Security misinformation that stinks up the online world. So I guess it’s time for me to tackle the subject again. The email starts off with this headline in big bold letters: “Who died before they collected Social Security?” It then goes on to make this twisted point: “The only thing wrong with the government’s calculation of available Social Security is they forgot to figure in the people who died before they ever collected a Social Security check. Where did that money go???” Of course it’s true that over the 80-year history of the Social Security program, millions of people died before they ever had a chance to collect Social Security checks. So where did their Social Security contributions go? Well, the email’s author failed to take into account that the vast majority of those deceased taxpayers left behind widows or widowers who received Social Security benefits on their accounts. Or in the case of deceased younger workers, they left behind tens of millions of minor children who got billions of dollars in monthly survivor’s benefits. (I was one of those children about 55 years ago — although my share of the billion-dollar pot was all of $22 per month!) And for every deceased worker who died with no eligible dependents, there are hundreds of Social Security recipients who lived well into their 80s, 90s or even beyond and who received far more in benefit payouts then they ever paid in Social Security taxes. If you want more precise data about where all the money went, it’s

available. Social Security’s actuaries can account for every nickel ever collected in Social Security taxes — from 1937 to present. You can go to Under “Our Agency” on the homepage, click on “Actuarial Resources” and then on “Trust Funds” and you’ll find all the information about all those nickels! Just as an example, here is a snapshot of Social Security’s balance sheet for 2012 (the most recent data available). Total income: $840.2 billion. 83.8 percent of that came from payroll taxes, 13 percent came from interest earned on trust fund assets, and 3.2 percent came from taxation of Social Security benefits. Total outgo: $840.2 billion. 92.2 percent of that went to pay monthly checks to Social Security beneficiaries, 0.8 percent went to administrative expenses, 0.5 percent went to the Railroad Retirement Board to cover Social Security benefits paid to RRB beneficiaries, and 6.5 percent remained as assets in the Social Security trust funds. The silly email then goes on to try to make the point that Social Security is a bad deal for all Americans. Using some dubious math, it determines that had the big bad government not stolen your money from you (in the form of Social Security payroll taxes), you would have accumulated a nest egg of $892,919.98. You betcha! Every single working man and woman in this country would have been almost a millionaire if it wasn’t for that awful, money-wasting Social Security program. Old timers or historians reading this column will remember how things were before Social Security came along. Everyone was living the good life and they all retired with Warren Buffet-sized nest eggs. Those sure were the good old days! (Actually, more than half of all senior citizens were living below the poverty level before Social Security came along. After 80 years of Social Security, that rate is well below 10 percent.) Then the email trots out the timeworn Ponzi Scheme argument. In really big and bold letters, the email

states: “The folks in Washington have pulled off a bigger Ponzi Scheme than Bernie Madoff ever did!” As I have pointed out so many times in this column, Social Security is NOT an investment scheme. It is what its name clearly implies: a “social” insurance system. Because Social Security’s potential beneficiary pool includes almost every man, woman and child in this country, you simply cannot set aside enough capital to fund all future benefits. Like ours, almost every Social Security system on Earth (and there are about 165 Social Security programs around the world) runs on a pay-as-you-go basis, with the taxes collected from today’s workers funding benefits pay-

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able to today’s Social Security recipients. If you want to call that a Ponzi Scheme, go ahead. But it’s worked in this country for 80 years, and it’s worked in other countries for over 100 years. It’s simply the only viable way to run a large nationwide social insurance program. Finally, the viral email goes off on a big rant about Social Security being labeled an “entitlement.” After offering a lot of misleading facts about the alleged benefits received by members of Congress, the email says: “And they have the nerve to call my Social Security an entitlement!”

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10A • 50PLUS • FEBRUARY 2014

Calcium and your heart

By: Charlyn Fargo For a while, my dietitian friends and I wondered if we should keep taking our calcium supplements. It’s no surprise that most of us (dietitians included) don’t get enough calcium from foods, so we take a supplement. But then there was that troubling German study last summer that reported people taking calcium supplements were almost twice as likely to suffer heart attacks as those not taking calcium pills. New research to the rescue — new research using CT scans of participants’ hearts finds no association between even the highest calcium intake from food plus supplements and coronary artery calcification (the possible culprit in heart attack risk), according Tufts University Health & Nutrition Letter. The new study, published in the American Journal of Clinical Nutrition, involved 690 women and 588 men, average age 60, from the long-running Framingham Offspring Study. Participants were asked about their diet and supplement use, then

underwent CT scans four years later to determine coronary artery calcification scores. The upper range for combined calcium intake in the study was 3,000 mg per day, well above the latest recommendations from the Institute of Medicine of 1000 to 1,200 mg, depending on your age. So be reassured: Taking a calcium supplement is safe and it’s best to take it in smaller doses as your body can only absorb 500 mg at a time. But also be reminded, it’s always best to get as much calcium as possible from food.


Recipes and nutrition articles Q:everywhere are promoting kale, a

vegetable I never even heard of until recently. Is it really that great? : Kale is a member of the cruciferous vegetable family, along with broccoli, Brussels sprouts, cauliflower and more. Just like other healthful vegetables, it’s simply a great way to add variety to a healthy eating pattern. Like spinach, Swiss chard, collard greens and broccoli, kale’s dark green color signals that it’s very high


in beta-carotene (which forms vitamin A and seems to offer cancer protective benefits of its own) and lutein and zeaxanthin (two other carotenoids, linked with eye health). It’s loaded with vitamin C and the calcium it contains is well absorbed. Compared to other dark

green vegetables, kale does not contain as much folate, magnesium and iron. But like other cruciferous vegetables, kale contains compounds that break down into isothiocyanates, phytochemicals that show cancer-fighting properties in lab studies.

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• 11A

Heart attack fatalities are down 63 percent in a deBy: Dr. David Lipschitz There has been much good news about heart attacks in recent years. From 2000 to 2010, the number of heart attacks decreased by 27 percent and encouragingly, fatalities fell by 63 percent. While the benefits have been seen at every age, in every ethnic and racial group and in both sexes, declines have been far greater in men than in women. The reason for this remains unclear. The measurable improvement in heart attack survival can be traced to a nationwide improvement in identifying common risk factors, as well as to more rapid diagnosis and treatment, which have reduced the death rates of those who reach the hospital. More important are the public health efforts to encourage smoking cessation, lower cholesterol and treat high blood pressure. A paper published in the New England Journal of Medicine reported that from 1999 to 2008, the percentage of high blood pressure patients who received adequate treatment increased from 40 percent to 80 percent. During that same time period, the cholesterol levels of these patients improved by 9 percent. And if a heart attack patient is alive upon arrival at a hospital, the chances of survival for more than a year is now 95 percent. As the number of fatalities decreased and the accuracy of diagnosis increased, the clinical presentation has become more atypical. Classic symptoms of an acute heart attack were previously described as crushing chest pain — a feeling as if the chest was gripped in a vise. The pain radiated up into the jaw and down the left arm, sweating was common and a sense of imminent death was usual. Today, we know heart attacks occur with less obvious symptoms. Mild chest discomfort or a feeling of pressure may occur, or the only symptom could be an unexplained shortness of breath. The pain may be present in the neck, arm, upper abdomen or even the back. The message is clear. Sudden onset of unexplained discomfort in the chest or other unusual symptoms that

occur for the first time should never be ignored or dismissed. It is far better to be safe than sorry. If you are concerned, immediately take an aspirin and call 911. The sooner you arrive at the hospital, the better. Once in the emergency room, an EKG (electrocardiogram) and blood tests can rapidly diagnose a heart attack. Within 90 minutes of initial symptoms, an angiogram should be done and if a blocked vessel is identified, an angioplasty and the placement of a stent can open up the blockage, restore blood supply and avoid further damage to heart muscle. Within 24 to 48 hours of having a heart attack, most patients are up in a chair, then home within a few days and following a period of rehabilitation, they are able to return to a complete and full life. The key to recovery is a comprehensive approach that includes medications and committing to a heart-healthy lifestyle. Every patient should be treated with aspirin and a beta blocker that reduces the risk of developing an irregular heart rhythm and more heart attacks. Most heart attack survivors are prescribed a drug called an ACE inhibitor, which helps prevent heart attacks as well as heart failure — a leading cause of disability and death. After a heart attack, it is critical that elevated cholesterol, diabetes and high blood pressure are rigorously treated and a cardiac rehabilitation program instituted. This involves supervised exercise and educational efforts aimed at reinforcing the importance of living a heart-healthy lifestyle that includes dietary changes and stress management, if necessary, as well as sticking to a prescribed medication regimen. Unfortunately, only a small fraction of patients participate in rehabilitation programs that if followed would improve their quality of life and reduce the risk of future heart attacks and other diseases. February is heart-disease month. While great strides have been made in treating heart disease and identifying risky behavior, it remains the leading cause of death. In 2009, the Centers for Disease Control and Prevention

attributed 599,413 deaths in the United States to heart disease, even more than to cancer, 567,628. While new treatments have done much to prevent death and reduce the risk of second heart attacks, the focus for all should be doing everything possible to be fit and healthy, while working with our physicians to address the key risk factors that, if corrected, could prevent a heart attack from occurring.

3 Migraines 3 Fibromyalgia 3 Arthritis 3 Neuropathy

Dr. David Lipschitz is the author of the book “Breaking the Rules of Aging.” To find out more about Dr. David Lipschitz and read features by other Creators Syndicate writers and cartoonists, visit the Creators Syndicate Web page at More information is available at:

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12A • 50PLUS • FEBRUARY 2014

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Still crazy after all these years: Consider preventive services to aid healthy aging By: Ron Pollack A fun-loving, active couple I know, both of whom are older than 85, recently performed in an hour-long musical production. And they were pretty darn good! They are clearly in love and enjoying life. What are they doing right? They told me that they “take care of themselves.” Nothing magical, and no miracle treatments have extended their golden years. Both these friends eat healthily, exercise, and see a doctor regularly to catch problems early. Both have had colon cancer, which was detected early and treated successfully. Both take medication for their high blood pressure. One of them is managing diabetes. Both go to the doctor once a year—even if they feel great—to get “some basic tests.” The way they take care of themselves mirrors a key public health strategy: Getting appropriate screenings and regular check-ups, which can prevent disease or detect disease early when treatment is more effective. These services include screenings for chronic conditions, immunizations, and counseling about personal behaviors like eating habits. Despite the fact that preventive services can save lives, only 25 percent of adults aged 50 to 64 are upto-date on getting preventive services, and less than 50 percent of adults aged 65 years and older are up-to-date on these services. Fortunately, the Affordable Care Act makes getting preventive services easier—and easier to afford. Private insurance and Medicare must cover all preventive services that are recommended by the United States Preventive Services Task Force for free. These services include • age-appropriate immunizations • screenings for high blood pressure and cholesterol; • screenings for colon, breast, and prostate cancer • bone mass testing for osteoporosis • screening for diabetes

And Medicare now provides a free “Welcome to Medicare Exam.” This is an initial physical exam you can get within the first year of signing up for Medicare Part B (which covers doctor and other outpatient care). This exam looks at your current health status, identifies risk factors, reviews your medications, and sets reasonable goals for improving your health. This visit also looks for weight, hearing, and vision issues, which are critical for older patients. In addition, Medicare provides an annual, free “Wellness Exam,” which includes many of the same tests as the “Welcome to Medicare Exam.” During these exams, you and your doctor have the opportunity to work together over the long term to achieve health and wellness goals. We all want to have long, healthy lives. What are the “secrets” of living to an advanced age? Research gives us some clues that reinforce the common sense of the friends I mentioned earlier. A large-scale study found that five key factors make a tremendous difference in longevity and quality of life: 1. not smoking 2. maintaining a healthy weight 3. keeping blood pressure under control 4. controlling diabetes 5. staying physically active An older person who scores well on these key factors has a 10 times greater chance of reaching 90 and being healthier. The regular wellness visits and screening and preventive services that are now available and affordable under the Affordable Care Act are key to putting you on the path to a long, healthy life. Of course, if you do get sick, Medicare covers your doctor and hospital bills the same as it always has. Make sure you understand what Medicare covers and what it doesn’t and how Medicare works with any other coverage you have (like a Medigap policy, coverage from a former AGING continued on page 13A


Who will be there for you? By: Doug Mayberry : We no longer try hard to be involved with other residents in our retirement community. We are in our early 80s, use excuses and often procrastinate responding when we are invited to community activities. We previously were quite involved but have lost our motivation. We are relatively healthy, financially comfortable and realize we are isolating ourselves. We do not have family or children to deal with. Is this normal, or are we just contented with being by ourselves? : You are fortunate to be in your position. However, there are some considerations you should think and talk about now. We all face our mortalities, and when we lose partners, life becomes a different reality. It behooves us to stay involved with society because we need help getting through our losses. We are not born to be alone. People need people. Losing contact with friends can cause us to become less certain of our decisions. We need to know others care for us, and need companions to talk and share our feelings with. Your challenge now is to reset and make a commitment to regain your social connections. You reside in an opportunist living environment, where you can choose to re-involve yourselves with neighbors and friends more easily. In many cases, when we become caretakers, we quickly learn it is the hardest job in the world, both physically and emotionally. When friends are available to assist us with our responsibilities, they can be helpful in supporting our needs.



AGING continued from page 12A employer, or Medicaid). If you have questions, call 1-800-MEDICARE. You can ask for the name and number of your local State Health Insurance Assistance Program, which offers free insurance counseling to everyone with Medicare. (A couple of important notes about costs: While you do not have to pay for many preventive services, you

Share these thoughts with your husband and look ahead. Tell him now is the time to rejoin the community, and stay engaged and connected. Taking this opportunity now will prove to be fruitful in your futures. : I am an unhappy camper and considering divorcing my husband after many years of an unhappy marriage. I have procrastinated for so long, but decision time has finally arrived. HOW AM I GOING TO TELL HIM? : It will be tough when you actually do. I have a list of the most difficult decisions we are forced to make during our lives in which we reveal our true feelings to another individual. Unfortunately, the majority of secrets are not good news. Examples include: “I love you,” “Goodbye,” “I lied to you,” “I’m sorry,” “I do not need you anymore,” “You’re adopted,” “You love your mother more than you do me,” “I’m bisexual,” “I do not trust you,” “I lost my job,” “I’m pregnant,” “You were right, I have found someone else” and “My doctor says I am dying.” When and if you do follow through with your message, deliver it gently. Your time together has been a choice for both of you, and you have experienced it together. Unfortunately, it will probably not be a surprise but anticipated! It happened! Doug Mayberry makes the most of life in a Southern California Retirement community. Contact him at To find out more about Doug Mayberry and read features by other Creators Syndicate writers and cartoonists visit the Creators Syndicate website at

• 13A

Happy Valentine’s Day from all of us at 50Plus



may have to pay for a doctor visit if you receive additional services while you are there. Also, if you need to have more frequent screenings, you may have to pay for those screenings. And if you receive your preventive services in an ambulatory surgical center or a hospital’s outpatient department rather than at your doctor’s office, you may have to pay for those services.)

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14A • 50PLUS • FEBRUARY 2014

Preoperative therapy as beneficial or more than post By DiAnne Crown Rehabilitation therapy following a major orthopedic procedure such as knee or hip replacement has been standard for many years. But the latest trend to reduce postoperative recovery time and improve the quality of the recovery overall is preoperative physical therapy, or “prehabilitation.” Physical therapist and certified athletic trainer Ryan Schallenberg is a proponent of prehabilitation, and not only with his fit, young patients, but with seniors, as well. “The goal is to get as much motion, strength and function as you possibly can before surgery,” Schallenberg says, “and to learn as much as you can about managing the condi-

tion after the surgery,” such as how to safely use crutches or a walker. Prehabilitation is part of an overall training and education experience offered at various hospitals, clinics and centers that address orthopedic issues. Information may be introduced in a group class led by a physical therapist or other health professional. Then individual sessions may be offered with the physical therapist. And depending on the location, procedure and insurance coverage, postoperative therapy is offered either during or after the hospital stay. Sometimes prehabilitation stretching and strengthening exercises actually help to avoid surgery, says Schallenberg. But if not, before a scheduled










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surgery, patients usually will come for two to four weeks, once or twice a week, for 45- to 60-minute sessions of combined manual therapy that includes the physical therapist’s hands on the patient (stretching legs, for example, to extend range of motion) and strengthening exercises that also can be done at home. The exercises are designed to increase range of motion, strength, body awareness, balance and function. “Prehabilitation is helpful for anyone going through a major procedure, but especially when it’s the first time, such as the first knee or hip replacement. I strongly recommend it,” says Schallenberg. According to the American Physical Therapy Association’s website,, “the better physical shape you are in before total knee replacement surgery, the better your results will be (especially in the short term). Before surgery, your physical therapist will teach you exercises and show you how you will walk with assistance after your operation. Your therapist also will discuss precautions and home adaptations,” such as removing loose rugs and more. Barbara Stanton, age 79, has had the benefit of pre- and postoperative physical therapy and believes this is

one of the main reasons she can walk nearly pain-free today. Six years ago, Stanton’s story was very different. She had so much pain from bone-onbone arthritis that her doctor recommended hip replacement surgery. Since then, Stanton also has had the other hip and both knees replaced, and before all but that first surgery, Stanton did presurgery exercises to ensure her recovery was as smooth and effective as possible. She’s glad she did. “I did leg lifts and knee bends lying on my back on the bed before the knee replacement surgery,” she says, and she did leg lift exercises lying on her side before the hip replacement. Stanton then followed up with additional physical therapy after each surgery. “I think it helps a lot. It’s strengthening and even helped my recovery go a little faster,” she says. Stanton encourages anyone suffering with that kind of pain to consider replacement surgery, and everyone to do preoperative therapy, or prehabilitation. Don’t wait until your doctor tells you you’re too old, she says. But also “be sure to check with your insurance company beforehand” so you know what is covered.


We Saw You At

• 15A

The Annual MBA Building & Remodeling Home Show By Margaret Pearson It may have been a bit blustery outside, but inside the spacious confines of the Wisconsin Center in downtown Milwaukee in mid-January, the conditions were perfect. Nearly 150 exhibitors provided services and information to the attendees. A few of the faces in the crowd were:

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16A • 50PLUS • FEBRUARY 2014

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Are we getting dumber in Geography? Yes! By Jack Pearson According to a recent estimate by National Geographic, Americans now rank around 30th among the nations of the world in geographic knowledge. An earlier survey had revealed that less than half of the high school students in the US today could pick out their own state when shown a map of the country. Why is this? We have such good schools in America, and such good educators. We have the best of everything here. Actually, that last item may also be one of the reasons why we’re getting dumber. Almost everyone in the United States has a computer today, as well as a smartphone and other wondrous new electronic devices. Why bother having to memorize where a place such as Ouagadougou is located, when our trusty little machines will tell us in a matter of seconds? All of this geographic ignorance has spilled over into the world of sports. We see the names of football and basketball teams from schools such as Brown, Davidson, Seton Hall and Weber State without the least idea of where they are located. I was at a Wisconsin Badger football game in Madison a while back, and the visiting team was from Wofford. It was sort of a joke in the stands, Wofford? Wofford? Where in the world is that? What is it? We did a quick survey among the peo-

ple all around us. We got 50 replies, and not a single one knew where Wofford was. Or even how to spell it. (So if you are interested, Wofford is a legitimate four-year college in Spartanburg, South Carolina. Of course that doesn’t tell you where Spartanburg is within the state, but again, who cares, might be your retort. If you do care, all you’d have to do is get out your trusty little computer.) By the way, the enrollment at Wofford is just over a thousand. Whoever arranges the schedules over there at Wisconsin should hang his head in shame, pitting the Badgers against such a tiny school. Having Wisconsin play little Carroll University in Waukesha would be considered a travesty, yet Carroll has three times as many students as Wofford. Here are the names of ten schools that were good enough to play in bowl games last month. Bowling Green, Marshall, Brigham Young, Rice, Duke, Baylor, Vanderbilt, Ball State, Rutgers and Towson. How many of those schools can you come up with the city and state in which the school is located? It you’re like most fans, you might get two or three at best. If you get more, then you’re probably an old, pre-computer geezer like me. Incidentally, Rutgers will be in the Big Ten next year, and will be playing Wisconsin regularly. If you plan on going to any of the games when Wisconsin


the name. Sorry, it actually exists. It’s the capital of Burkina Faso, and you surely know where that is. It’s located between Mali, Cote d’Ivoire and Benin. Does that clear it up? And if you think Ouagadougou and Burkina Faso are a couple of tiny little water

“This little island reminds me of something, but I can’t remember what. I must be getting dumb.” plays at Rutgers, you might want to check out where it is so you don’t get lost. It’s not just in locations of places where this growing problem of dumbness has arisen in the sports world. Just last week I went into a sporting goods store to buy one of these little Wisconsin Badger stickers to put on the window of my car. The price tag said it was 65 cents. I took it up to the young lady cashier, who was looking around the counter for something. I handed her the sticker and a dollar bill. She gave me a perplexed look and said she couldn’t find her calculator, and so she wouldn’t know how much change from my dollar to give back to me. True story. I was at a Milwaukee Brewers game last summer. In about the third inning, the computer that ran the gi-

ant scoreboard went kafloowy, and the scoreboard went blank. You should have heard the moaning and groaning in the stands, people crying because with the scoreboard blank, they couldn’t tell what the score was or the pitch count or what the batting average was for the next hitter coming up. I thought, my goodness sakes alive, I wonder what fans did at the ballparks back in the old days? George Orwell once wrote a book called “Brave New World.” He died in 1950. If he were still alive today that would make him at least 110. And if he were still writing books, do you think it would be possible that he’d write another, and call it “Dumb New World?” Incidentally, I never followed through with the location of Ouagadougou. You probably think I made up

• 17A

places somewhere, Ouagadougou has a greater population than Milwaukee, and Burkina Faso is three times the size of Wisconsin. If you knew all that, I apologize. But if you didn’t, it’s just more proof that we Americans tend to know zilch about the rest of the world.


18A • 50PLUS • FEBRUARY 2014

Frye trip to Spain


Thanksgiving dinner for Erik and Sheila Frye was quite different than if they were enjoying it in their own dining room in Mahtomedi, MinnesoMONEY SENSE TRAVEL By Karen Ellenbecker ta. They were dining about 8 p.m. in & Julie Ellenbecker -Lipsky Restaurante Botin, founded in 1725 and heralded as the oldest restaurant OVING IN THE in the world. It is located at Calle de HT DIRECTION Bruce Nemovitz In Madrid, they found smaller Cuchilleras in Madrid, Spain. APRON hotels close to campus for about $90 The Fryes, Emmahowever, did not parSTRINGS U.S. currency. The mostly cobbled take of two of the house specialties, By Aunt Emma Answer Man Baby Squid in its own ink at about streets at first seemed forbidding for $24 American dollars or the no. one much walking, but surprisingly, they entrée in the meat selections, Roast were walker friendly as were the people they met along the way as they AGING Suckling Pig at about $32. ISSUES Why was this couple in Spain? made use of their time in the various By Tom Frazier After all, Erik Frye is a supervisor in exciting neighborhoods. Madrid’s center is known as Plaza the oil fields of western North Dakota Mayor. Yes, it is an interesting place to and Sheila is a teacher in the Mahtopeople watch (Spaniards appear to be medi, Minnesota schools. She also mostly thin and trim). This capital city just happens to be a sister to Maureen is impressive with its 11 museums and PLANTING Slattery, co-publisher of this magaTOMORROW’S zine. They were in Spain to visit their a half dozen or more basilicas and/or DREAMS TODAY By Brad Olson son, Ben, an exchange student there cathedrals sprinkled about this city of from Denver University in Colorado mostly Catholic and Muslim religious at Antonio Nebrija. Ben had been in followings. Madrid, itself, has been a hub of Madrid since early September. He is back in Denver now intriguing fellow Spanish life for over three centuries students in the mile-high campus with as Muleteers and traders saw the culSPORTS stories of Spain, its culture, its any Jack Pearson tiquities, its socialistic attitudes and, without doubt, about the beautiful senioritas.

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the WRIGHT SIDE of By Enis Wright




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LA SAGRADA FAMILIA: This one of Spain’s top tourist attractions. It remains a work in progress over 80 years since the death of its creator, architect Antoni Gaudi. Many study this fanciful temple in Barcelona for days at a time.

SUCKLING PIGS: These are found featured near or at the top of all better restaurants’ “meaty” menus.

mination of their fruitful harvests and journeys in and about Plaza Mayor (Main Square). We will briefly look at history. For example, the Restaurante Botin is in a centuries-old restored ground floor location with open arches and a “cave” type setting underground that first opened in 1725. The modern, ground floor building was initially a cellar and one-story shanty before additions and remodeling in the early 18th century. Spaniards, to a great degree, still practice a midday siesta, 2 to 4 p.m. This means that dinner service begins about 8 p.m., continues to about midnight and that social clubs may not close before 8 a.m. the next morning. Spain’s economy is said to be

But let us now begin the Fryes’ journey, a journey from Minneapolis of eight hours going and nine hours returning from home base of Minneapolis. Yes, you just might wish to take this trip or an even longer one someday.

The Plaza del Sol at night.

quite poor, but the Fryes could not see this in any of the cities visited. The unemployment rate is said to be about 25 percent. A somewhat socialistic state since the death of longtime leader and dictator Franco in the mid 20th century, there is a king, but the monarchy is mostly a figurehead and next to meaningless in the Spanish political system. Partnering with Denver University, University student Ben attended Antonio Nebrija, a private college where he not only became fluent in the Spanish language, but also studied their architecture, antiquities, history and European finance methods. The Del Prado Art Museum may be the top tourist attraction as well


as a site for locals to visit. Among the many featured painters are Goya (Once a waiter at Restaurante Bolin), Bosch, Rembrandt and Velaquez. As for Spanish foods, the Fryes found them to be wholesome, somewhat bland and by comparison to the U.S., rather expensive, $32 for a suckling pig, $28 for grilled sirloin of beef, coffee for about $3 and even bread and butter at tableside for about a dollar or a bit more. Spaniards do eat much ham prepared in different ways. The Fryes found their favorite food on the various menus to be paella, a rice and seafood stew. They also took a definite liking to late afternoon tapas. With 10 days from arrival in Madrid until they were to be homebound, the Fryes wasted little time sitting around; they were on the go. Visits with Ben and daily sightseeing excursions were the orders of the day. We only will mention the impressive Palacio Real de Madrid and the numerous museums as well as its seven interesting plazas, with crossroads leading to them throughout the city. The Plaza de la Puerto del Sol is said to be the exact central point of the entire country. It has elegant facades in all directions and in its northwest corner is a statue of a bear nuzzling a strawberry tree. This is said to be the official symbol of the city. Before we go further, what’s the weather like? We have heard over the years that “The rain in Spain is mainly in the plain.” The Fryes, to their liking, didn’t experience either rain or snow, but there may have been snow in the mountains, Pyrenees and Sierra Nevada ranges. Temperatures were mostly in the 40’s and with sunshine, still warm enough to frequent the sidewalk cafes. A visit to Barcelona, on the Mediterranean Ocean and an hour away by air from Madrid, was different. First of all, the airline trip at $125 was less expensive than via train and hours less time. Barcelona is a seaport and a favorite for cruise ships. Perhaps because of this, streets close to the docks are closed to vehicular traffic. But there are many interesting shops in the vicinity. It is quite a modern city

HAPPY TOURISTS: Erik, left, Ben and Sheila Frye enjoyed the many sites and sights in Madrid, Barcelona, Segovia and stops along the way.

AQUEDUCT: While Spain’s diverse landscapes may stir the souls of visitors, the aqueduct at Segovia makes you believe that the Roman occupiers in the first and second centuries were quite talented at engineering. They fitted together thousands of stones without any such thing as mortar to hold the granite rocks together. and was host in 1992 to the Olympic Games. Tours took the Fryes to various points of interest. Barcelona is Spain’s second largest city. Its architecture is spectacular. Said to be near the top of the many architectural experiences is a visit to La Sagrada Familia. This modernista brainchild of Antoni Gaudi remains as a work in progress 80 years after its originator’s death. Profoundly styled by Gothic styles of the Middle Ages, the large temple of worship is adorned with decorative

flourishes of the Passion of Christ, His Nativity and others. It has been under construction for over 100 years. The Spaniards say if a visitor only has time to enjoy one Spanish sight-seeing experience, this has to be it. The church attracts over three million visitors yearly. Once finished (if ever) it will seat 13,000 people. With time seeming to fly quickly by, the Fryes, had time to visit Segovia, 50 miles north of Madrid and an easy trip by bus or train. But why Segovia?

• 19A

AT CASTLE: Exchange Student Ben Frye poses before an ancient knight’s armor suit. This smaller city is home to a Roman built aqueduct that is 894 meters in length. Almost unbelievably, it was built using no mortar to hold 20,000 uneven granite stone blocks together and, at its highest point, is 28 meters. About 50 A.D., it was finally ready to store water brought from the mountains about 15 KM away. Yes, you can climb the tourist stairs behind the aqueduct to view the water and the expansive countryside. Of course, this account only scrapes the surface of Spain and its attributes and beauties. On a more modern basis, there are championship soccer teams (two), enormous stadiums and professional basketball as well as bull fighting, which a certain segment of the population is trying to have abolished as inhumane. Basically, Spain is not overly sophisticated and mostly inhabited by middle class-type people. Spaniards are genuinely friendly, helpful (Will smile when giving requested directions to here and there) and appreciative of their amenities in this land of varied plains, hills and mountains that has been peopled since the first humans walked the face of Europe. Would we recommend a visit to Spain? The answer seems rather plain. It is a “yes” to Spain!


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SPORTS By Jack Pearson


5020 South 55th Street • Greenfield • Call 414-282-0506 Beautiful serene country setting overlooking a private lake. Close to shopping, churches and medical facilities. Heated underground parking, blinds and ceiling fan. Beautiful community room. • Heat & Water Included • Air Conditioned • Intercom Access • Appliances • Community Room with Kitchen • On Bus Line starting at • Laundry on each Floor




Through March 30 Garden Train Show The Domes, 524 S. Layton Blvd. G-scale trains travel through a Victorian landscape in celebration of the By Enis Wright steam- powered age. For details, visit or call 414-2575600.


February 13 – 16 The 52nd Annual Home Improvement Show Exposition Center, State Fair Park Tickets for those 60 and older are $5, with a special price of $4 Thursday for Senior Day. For details, visit wwww. or call 414-7714071


KILLING TIME with Jim McLoone

2 Bedroom, 2 Bath 930 Sq. Ft. $880 / month


200 Southtowne Dr. • South Milwaukee • Call 414-764-5335 Quiet spacious apartments, elevator, underground parking, community room, library and exercise room. Friendly atmosphere. Larger units available. • Heat & Water Included 2 Bedroom, 2 Bath • Air Conditioned • Fitness Center 930 Sq. Ft. • Resident Library • Laundry on each floor starting at $880 / month • Quality Appliances • On Bus Line


For Those 55 and Better!


at First Sight...

the minute you walk in our doors! Included in rent:

•Weekly transportation for shopping •Underground Parking Pet Frie Call Foril •Laundry nd and ly a n r e v il S Smoke Great Amenities On-Site: Free Specials! •Salon •Chapel •Fitness Room •Bank •Craft Center •Country Store •Activities Galore!

Fall In LOVE today...Call for a Tour! Income Guidelines May Apply

Live Independently Together.

February 1 Great Lakes Pet Expo State Fair Park, 640 S. 84th St. Animal lovers will join for a heartwarming tribute to our veterans and their pets. Rescue animals up for adoption, shopping, entertainment and more all from 10 a.m. – 5 p.m. Small charge. For details, call 414266-7040.

February 14 – 16 Wisconsin Muskie Expo Wisconsin State Fair Park Products Pavilion, West Allis All about Muskie fishing, lures, baits, spinners and more. Visit muskieexpo. com for more information or call 608445-4645.

February 1 Family Free Day Milwaukee County Zoo The entire family is welcome to enjoy free admission. Regular parking and concession fees still apply. Visit or call for details 414-771-3040.

February 15 – 16 Winter Festival “Snolympics” Cedarburg Activities planned throughout the two day festival including ice carving contest, winter parade at 1 p.m. Saturday, bed racing teams, ice skating and much more. Visit cedarburgfestivals. org for more details.

February 2 Groundhog Day Milwaukee County Zoo. Our resident groundhog, Wynter, will be out around 10:30 a.m. Will she see her shadow? The public is invited to see the ceremony at the Zoo’s Family Farm. Visit or call 414-771-3040.

February 20 Rock & Roll to the Domes The Domes, 524 S. Layton Blvd. Milwaukee Music under the Glass series, The Britins, relive the 1960s Beatlemania, 6:30 p.m. and be sure to visit the VMP table and receive a free gift. Visit

February 4 - 9 Evita Marcus Center for the Performing Arts Eva’s passionate and unforgettable true story featuring some of the most beautiful songs. Don’t miss the stunning new production, directed by Michael Grandage and choreographed by Rob Ashford. For tickets, call 414273-7206 or visit

February 21 – 23 Home, Garden & Landscape Show Waukesha Expo Center 1000 Northview Rd., Waukesha Vendors from home improvement fields will be there to help you find the right company that fits your need. Call 262-238-6397 for details. March 1 Family Free Day Milwaukee County Zoo Stay warm with the many indoor animal exhibits open for your enjoyment, admission is free. (Sponsored by CALENDAR continued on page 21A


Senior baseball opportunities scheduled by Milwaukee League By: Jack Pearson If you’re 55 or older, enjoyed baseball in your youth and would still like to play the game, here’s your chance. Tryouts for the Milwaukee Senior Baseball League have been scheduled. They will begin in mid-February and run through mid-March, and you’re invited. Sorry, ladies; guys only. According to league director Jeff Walsh, tryouts and practice sessions will be conducted at the BATS Sports Academy at 5201 W. Donges Bay Rd. in Mequon. For information as to specific dates and times and to register, call Walsh at 414-975-9590. CALENDAR continued from page 20A North Shore Bank and Fox 6). Regular parking still applies. Visit Events open to the Public at Jackson Crossings Jackson Crossings Retirement Community, N168 W22026 Main St., Jackson. (events are in the Lakeshore Building). February 5, 6 p.m., Music by Bobby Jiles. February 7, 3:30 p.m.-Special program: “A Russian Culture Experience.” February 14, 6 p.m., Music by Don Weast. February 28, 2 p.m., Music by Roland Beine. For details, call 262-993-2838. All events listed are free of charge.

The season begins in late April and runs into late September. All games are played on Saturdays at the Rock complex in Franklin and at other Milwaukee County Parks.


Cottonwood Trails Apartments 4600 S. Nicholson Ave, Cudahy, WI

Cottonwood Trails Apartments is a senior complex which offers income eligible 1 & 2 bedroom units for adults 55 plus. This is a non-smoking environment with heated underground parking, elevator service, laundry rooms on each floor, controlled entry access with private intercom, and a community room for social activities. Heat and water are included in the rent.

Please contact Andrea at

414-483-9969 to schedule a showing.


Put a Little Love in Your Home!

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22A • 50PLUS • FEBRUARY 2014



Yes, a long winter still has a way to go By Karen Ellenbecker & Julie Ellenbecker -Lipsky

With our Wisconsin MOVING INBadgers’ THE football team losing onDIRECTION New Year’s RIGHT Day, it certainly was not aNemovitz happy new By Bruce year for many of us. Then, just four days later, our beloved Green Bay Packers lost out in the playoffs to the 49’ers. Then we watched the Marquette Golden Eagles lose to Creighton in their first game in the newly organized basketball league and really struggle before later enterAGING ing the win column. Soon after that, ISSUES By Tom Frazier the Milwaukee Bucks continued their



By Aunt Emma

downward spiral in the NBA. Henry claims that he’s going to have to wear his rose-colored glasses when he reads the sports pages. They may be printed in black and white, but their reporters

are writing mostly about dizzying declines. It is becoming like we’re in a third world country of sports teams. Having already said this, I guess I had better get my new Christmas apron on. There, it is in place. First, I want to tell you that sports teams in Wisconsin are not terminally ill or ready for hospice care. It might be true, however, that some of the coaches may be ready for hospice care. But never fear, nobody’s ready to pull the plug, so to speak. With so many people turning to such as “Duck Dynasty” and “Modern Family,” I can understand that they’re turning in new directions for diversion on dull days. But really how dull does it have to become before those Turner TV showings of old movies will be acclaimed as silver globe winners? I would have written brass or copper, but those tarnish easily and our sports scene, at least for the current and past season, seems already tarnished. This, of course, is with the exception of the basketballing Badgers. My Henry always says that he is rightly proud of that old fellow who coaches the Badgers and who manages, year after year, to put formidable players on the court. His teams always seem to have many different scoring contributors. Henry continues referring to Bo Ryan as being so different from most men of Irish descent. They always talk a good game and carry pockets full of miracle dust instead of hard cash. Being of Irish parents, himself, Henry knows that his daddy, as he still refers to him, always had very tall expectations, but more often than not was hard up for cash in his pockets. Ryan, whose expressions sometimes are questionably questioning, must have had (God rest her soul) a very determined German mother. Henry says that if he didn’t know that President Obama is of African American lineage, he’d believe he is Irish. I knew better, but I did ask, ‘Why?” Henry was quick to tell me that Pres. Obama is still wearing his own rose-colored glasses as we go $20 trillion into debt and have unemployment of about 14 percent. Henry did tell me then that his daddy, a small

SENIOR Answer Man


farm owner, said more than once, that he’d rather shovel coal than to ask for a handout. This possibly could be why the early Irish people ate so much stew and potato soup. But where do the Irish get money then for their Irish whiskey and their evenings in the corner pubs? All Henry did then was glare at me. While I already have covered several topics in this column for February, I will tell you that Henry says he may be making metallic parts at the factory, but he does wish he had money like that one fellow had who comes to the club and as Henry says, “Is so full of himself that the buttons are bouncing loose from his shirt.” This man says the secret of his success is investment in silver. Henry proudly says that he’s into this silver stuff, too, as he shows off his teeth. But Henry, not like this braggard, says he believes in helping others along the bumpy and sometimes potholed roads of life. Find your passion (One you really appreciate) among nonprofits. They differ substantially in what they intend to do and how they actually accomplish it. If you are short on cash – and who isn’t these days - you can put your oar in the water as a volunteer. Yes, you can make an impact and it always does not have to be monetarily. Try being a volunteer. You should not only find personal satisfaction, but also great appreciation. As for that $20 trillion debt, just pray for responsible leadership. In fact, perhaps it is time we elected them; that is a Congress that knows it is there to serve the people, not just themselves. We hope we’ll get together next month if we don’t drown in debt before that.



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SPORTS By Jack Pearson

the WRIGHT SIDE of By Enis Wright




KILLING TIME with Jim McLoone



continued By Karen Ellenbecker & Julie Ellenbecker -Lipsky




By Aunt Emma





RON Love is in the air in February INGS ARTS The snows began so early, bothering us in November.

nt Emma


Answer Man This fact is not difficult for us to always remember.


This is February; warm weather has to be on its way. SPORTS When it occurs, alleluia is among our words to say.



DEAR SIMON: While I’m no physician, I do believe you should schedule a cardiac stress test before even considering sexual activity to determine if your



KILLING TIME continued from PAGE 4A

By Jack Pearson

the WRIGHT We think of Washington, Lincoln and each’s presidency. No one then ever questioned such as residency. SIDE of By Enis Wright

But with such birthdays arrives the time of love. May the good Lord bless you and your turtle dove.





Answer Man


n Ellenbecker e Ellenbecker -Lipsky

T f

SENIOR DEAR SAM: I recently had a heart attack and now am equipped with a pacemaker so the question I have for you is somewhat delicate. Is there a certain physical signal that will tell me when I am ready to indulge in sexual activity? GRATEFULLY, Simon Syderski

By Tom Frazier





In this month of 28 days, we do need real inspiration. But we’ll face these chilly times without perspiration.

Last of 13 credit card bills arrive almost too shocking. Did we spend that much filling the Christmas stocking?


If winter finally begins to toss you a breaking curve, Put your head and hands to work; you have the nerve.


Going shopping, trust in God, but still do lock your car. Please don’t allow thieves your happiness to mar. By next month, we will slam winter’s door shut. Be sure no one is in the way; not even your mutt.


So as we look upward, we move forward in life, We do say, hello to happiness and no to strife. Get the bright pictured seed catalogs out. Be careful. Before spring, we could get a real snowy clout.

ME with Jim McLoone

• 23A

public, “I would have taken better care of myself if I’d known I was going to live this long” was Eubie Blake at age 100. TTTTT When I said I wanted to get towith Jim McLoone gether with some of my old friends, I didn’t mean in the cemetery. TTTTT As a child, I learned that an apple a day will keep the doctor away. This may be true, but the last time I bit into one, I was to see my friendly dentist next. He seemed to have dollar signs in his eyes and apple trees in his backyard. TTTTT I recently read that the annual death toll in 2010 was 799.5 persons per 100,000 people. Why the half? Do you suppose that is a person who’s known to be only half dead? Seriously, heart disease, cancer and chronic respiratory disease are the three leading causes of death. Winning the lottery may come in fourth. TTTTT An octogenarian, married three times, may have been yearning for a fourth husband. Instead, her kids got a dog for her. TTTTT

heart is strong enough for it. I have learned through experience that sexual intercourse requires about the same amount of exertion as walking on a treadmill at about three to four mph for an hour or climbing two flights of stairs without stopping to rest. I suspect your doctor may also want you to engage in regular exercise like walking at a good pace. I have read that people who have had heart surgery and have no further symptoms often are ready in six to eight weeks. But as I suggested, see a doctor first. GOOD LUCK SAM

The Wisconsin Territory was formed in 1836, two years later, Iowa was so recognized and Wisconsin lost a bit of southwest land. TTTTT Some phones now are equipped with captioning for the hard of hearing. How do you suppose these people hear the phone ring? TTTTT We recently rented a house for a brief stay in Arizona. One of the numerous instructions for us upon leaving was to place Saran Wrap over the toilets. I guess the owners did not want any rear end rat bites. Just another valuable use for Saran Wrap.

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HERMANFebruary WHITE WRITES 2014 Vol 27 No. 2 COMPLIMENTARY • Section B

UW’s Bo Ryan; the pundits have finally discovered him With its best start in more than half a century (13-0 at the time of the writing of this column), the University of Wisconsin basketball team and especially it’s wonderfully successful coach, Bo Ryan, are getting some well deserved attention across the country. Sports writers and television commentators have now concluded that Ryan is one of the top coaches in the game. Well, how about that? How astute! That’s a bit like just now coming up with the realization that Cole Porter knew how to compose songs or Jack Nicklaus could hit a golf ball or the Grand Canyon was a great tourist attraction. Those commentators and writers may not be aware of this, but Ryan has been one of the best college basketball coaches in America for the past 30 years. He has been every bit as deserving of fame as coaches such as Bobby Knight, Mike Krzyzewski, Jim Boeheim and Roy Williams, even though he has not received anywhere near as many accolades and honors as those four and others. As far as I’m concerned, Ryan has done a better job than any of them. “People say I’ve climbed some steep hills moving from level to level like I have as a coach. There really isn’t any difference. It still demands discipline, it still demands conditioning, it still demands camaraderie, teamwork and playing off each other. And it’s about getting people to bond, and it’s still about getting people to believe in what they’re doing.” - - Bo Ryan Don’t take my word for it; just examine the facts. At each of Ryan’s coaching stands, UW-Platteville from ’84 to ’99, at UW-Milwaukee for two years after that, and at the University of Wisconsin from 2001 to date, he has taken over losing, almost moribund teams and turned them into winners. At Platteville, the Pioneers hadn’t had a championship or even a winning season in decades. Within four years of taking over, they won the WIAC title; within six years, the NCAA Championship. In fact they won four NCAA Championships in


SPORTS By Jack Pearson

his tenure there, more than any other WIAC school in history. His record at Platteville, an amazing 353 wins as opposed to only 76 losses, was better than any coach had ever attained in the conference and was far better than any other coach in the country over that time span. Referring to Ryan’s responses to the sometimes overzealous members of the press, he said, “I’ll occasionally paraphrase Cicero, who said, a couple of thousand years ago, ‘I know you believe you understand what you think I said, but I’m not sure you realize that what you heard is not what I meant.’ It is surprising how often that explanation works.” Ryan’s teams had a 353-76 record at Platteville, 30-27 at UW-Milwaukee, and including that 13-0 start this season, have had a 304-113 mark in Wisconsin. That all totals 687 wins and only 216 losses for an exceptional winning percentage of .761. When you consider that in all three cases he was taking over teams that had long posted losing records, and it thus took him a while to turn things around, it becomes even more incredible. John Wooden and Roy Williams both had career winning percentages just over .800, but there haven’t been many other major college coaches with higher winning percentages than Ryan’s. Mike Krzyzewski, considered to be the top coach in America today, entered the current season with a .764 winning mark, only slightly better than Ryan’s. But, as noted, this column was written before January 1. All those percentages could rise or fall a point or two, depending on the results of games before this issue comes out in February. In the years before Ryan came to Platteville, the Pioneers had nev-

the WRIGHT SIDE of By Enis Wright




KILLING TIME with Jim McLoone Bo Ryan er made the NCAA tourney. Under Ryan, they made it nine consecutive times. He attained those winning ways despite taking over a comparatively weak team, and finishing at 9-17 in his first year there (the only time in his long career that he had a losing season). In his next two years the win-loss mark improved to 16-11 and 14-11, modest totals but again, that was with largely an inherited group he had no part in recruiting. Over his last 11 seasons at Platteville, Ryan’s record was phenomenal, averaging more than 26 wins a season and only 3 losses, including two perfect seasons, 30-0 and 31-0. That computes out to a winning percentage over 11 years of .898, almost beyond belief and far and away better than the record of any other school in the country at any level. On the need for recruiting, Ryan stated, “You have to have good players, obviously, and to get them you have to recruit. Since we were start-

ing from a little bit behind at Wisconsin, we had to run a little faster. What does a good recruiter have to be? I’ll tell you. He has to be ferociously persistent.” His record at Wisconsin, especially because of the higher level of competition, has been equally outstanding. In the 50 years prior to Ryan’s taking over, the Badgers had not achieved one conference title and won more games than they lost only 16 times. They were pathetic, almost always in the bottom half of the conference standings and quite often in last place or next to last. Nevertheless, in Ryan’s first year the Badgers, unbelievably, tied for the conference title. In the more than 100 years of Wisconsin basketball, the Badgers won as many as 22 games in one season only two times. Under Ryan, they have exceeded that one-year total seven times. In fact, over Ryan’s first 12 seasons at Wisconsin, the Badgers BO RYAN continued on page 2B

What’s Inside...... Supportive Care: Directory for Assistance in Living . . . . . . . . . . . . . . . . . .3B What’s Your Secret . . . . . . . . . . . . . . . . . . .21B

2B • 50PLUS • FEBRUARY 2014 BO RYAN continued from page 1B won 291 games, an average of more than 24 wins a season. Think about that. His average win total is higher than any number Wisconsin had ever won in one season in more than a hundred years. Since Ryan came aboard, Wisconsin has also won four Big Ten championships, something once considered impossible. During every one of his 12 seasons, the Badgers basketball team has finished in the top four, a feat achieved only once before in the entire history of the Big Ten. At the time of this writing, Wisconsin was ranked Number 4 in the country, ahead of such perennial basketball powerhouses as UCLA, Kentucky and Indiana. About his name, Ryan says, “When I was in high school I got straight A’s, all except for one D, and that was in gym class, where I got into a fight with another kid and slugged him. My family thought what I had done was disgraceful, all except my uncle, who laughed. He loved boxing, and his favorite boxer was Carl ‘Bobo’ Olson. So he nicknamed me ‘Bobo.’ It caught on, and soon everyone was calling me that. After a while it was reduced to Bo.” – BR So many fans and even journalists have criticized Ryan’s coaching style as being old fashioned and boring. They say they would much rather see more exciting play, more fast breaks, more slam dunks, more scoring. Nuts. Ryan coaches to win. With the material that he had, coaching tough defense, stressing team play, keeping mistakes to a minimum and keeping his players always in top condition, is a far better formula for winning than having a team of individual superstars. If he changed his coaching style to a more flashy approach, and the Badgers started losing again, those disgruntled fans and journalists would be the first to start whining and griping. “I will not recruit youngsters who I do not feel will have a chance to make it academically at Wisconsin. I’ve been criticized for that stance. But as far as I’m concerned, I have to do what is in the best interest of the team, of the institution and the student-athlete in question.” – BR Recently, USA Today had a good feature on Ryan. “Wisconsin is off to its best start since the 1915-16 season,

ranks No. 4 and has beaten more top 100 teams (nine) than any other school in the country,” it noted. “The Badgers have done it the way they have always done it under 13-year coach Bo Ryan, highlighting unglamorous skills such as precise passing angles, adequate spacing and strong pivots. Sophomore forward Sam Dekker, the team’s

point shooters; most teams have only one or two. Opponents have a difficult time deciding which Wisconsin player to double up; you can’t double up on all five. If you are one who thinks low scoring, defense emphasized games are boring to watch, consider this: Would you rather win a game 51-47 or lose one 97-93?

The Ryan family in a photo taken a few years ago. Ryan and his wife, Kelly, in front, look very much the same today, as do sons Matt and Will and daughter Megan in back. But daughters Brenna and Mairin, in front, have grown up considerably since then. second highest scorer, explained. ‘It is not pretty, but it’s what we do. If it’s not sexy, that’s fine with us. Winning is fun.’” If you check out the lineups of all of Ryan’s teams, at Platteville, at UW-Milwaukee and now for the past twelve and one-half seasons at Wisconsin, you won’t find many high scoring superstars. You also won’t find many No. 1 NBA draft picks and very few who go on to pro careers. Despite this, the Badgers have always had great success beating teams that do have these so-called stars. What the Badgers do, the USA Today article said, was to be among the nation’s leaders in fewest turnovers a game. “And they will allow opponents so few open looks at the basket that you can see the frustration in the opponents’ facial expressions and body language.” Ryan’s current squad is a fine example. All five of his starters have led the team in scoring for at least one game, even though all five average between only 10 and 15 points a game. All five are excellent three

“I love Al McGuire; sitting down and having a cup of coffee and a bagel or two with him. He once told me that half the doctors in this country graduated in the bottom half of their class. He said this applied, too, to sports writers and lawyers and coaches, as well. Al was one of a kind.” – BR If you’ve read this far you probably have the impression that I’m a real gung-ho Ryan booster. Which makes something that happened about ten years ago so amusing in retrospect. I think it was in 2003. I had called his office requesting an interview time for a feature I was planning to write. His secretary, after checking his schedule, gave me a date and time about a week hence at 11 a.m. So, a week later, I drove over to Madison, a trip of 70 to 80 miles. I made it to the campus with 20 minutes or more to spare, even though the traffic and the weather had been bad. On top of that, just before I got there, a big truck ran a red light in front of me, causing me to swerve to avoid hitting him and which also caused everything in my car to fly around and whack me in the head. So

I was in somewhat of a lousy mood even before the interview began. Anyhow, I went up to Ryan’s office, and his secretary told me he was in but was in a meeting, and asked me to sit down. She also informed me that he had a luncheon appointment at noon, so I had to complete my time with him to just that one hour. I said fine. 11 o’clock came along, and I was still sitting there. I could hear him and whoever he was with talking and laughing in his office. 11:10 and then 11:20, and I was still sitting, and the talking and laughing in his office was still going on. 11:30 and then 11:40, and I was getting more and more irked. How was I going to complete a thorough interview, in the little time left? When 11:50 hit, I’d had it. I got up, told the secretary I was leaving, and muttered a few choice words to myself. So she jumped up and scurried into his office. I was going out the door when Ryan came out, hurried over to me, took me by the arm and began apologizing. He explained that a couple of his old buddies had come in unexpectedly, that he hadn’t seen them for some time, on and on, cajoling me to understand. So I went back in with him, but was still ticked off. I sat in front of his desk, glaring at him. He glared back, and then started laughing. Soon I was laughing, too. It ended up being a great interview, during which time my impression of him completely changed. I learned what a tremendous personality he had, and why he was such a terrific recruiter and coach. I read once where Ryan had an uncanny ability to turn a negative situation into a plus; like taking a lousy basketball team and transforming it into a champion. And, I mused, turning a peeved writer into a friend and admirer. “I always wanted the Wisconsin job. When Cofield was canned back in ’82, I applied, but they hired Steve Yoder. When he was let go a few years later, I applied again, but they hired Stu Jackson. Same thing when he left, and Dick Bennett was hired. Even when I finally got the job in ’01, I knew I was the third or fourth choice. So big deal. I got it, and I still have it. You do the best with whatever situation you face. And be thankful for whatever you have.” - BR


• 3B



SENIOR CITIZENS: Their fears, hopes and questions about housing options INTRODUCTION There comes a time in the lives of many seniors when staying in their current home is no longer a safe or wise choice. It may be because the stairs have become more difficult or impossible to negotiate. It might be that the general upkeep of the house has become overwhelming. Or it may simply be because they’re experiencing declining health. Sadly, too many seniors continue to live in homes which do not meet their physical and/

or mental needs. I have been a Realtor in the Metro Milwaukee area for over 30 years and am a Senior Real Estate Specialist – that is, a specialist in helping senior citizens make appropriate housing decisions. I have been in the homes of hundreds of seniors, listening to their stories and watching their faces. In too many cases, those faces have painted pictures of fear and frustration. I needed to get to the root causes of their trepidations, hopes and desires.

I wanted to know what seniors were really thinking about when it comes to such an important aspect of their lives – their home! Why were they staying in their homes when it was obvious a move should be made? I decided to survey my senior clients who were still in their homes. The majority of the respondents had attended a “moving seminar.” The seminars provide information regarding affordability of senior housing, downsizing and the process of selling


their home and moving. Most of the seniors were ages 78-88 years old. Seven hundred surveys were distributed. Statistically, I expected to get back 1%, or seven. However, I received about 10% or 70! The NEMOVITZ continuedAGING on page 4B


By Tom Frazier

4B • 50PLUS • FEBRUARY 2014 NEMOVITZ continued on page 3B questions were open ended (subjective) with no choice of answers. The seniors were free to answer any way they chose. This was not a scientific study, but simply an attempt at compiling the beliefs of seniors faced with the decision whether or not to sell their home. Following are the compiled results, including respondents’ comments:

1. What are the top three reasons that you are considering a move? 42% -- MAINTENANCE • Home and yard too much work (can’t find reliable or affordable handyman) • Home deterioration (can’t afford or physically maintain good condition) • Snow shoveling or plowing driveway • Responsibility of caring for a home 34% -- HEALTH ISSUES • Will need medical help in the future • Reduced physical abilities • Beginning stages of dementia or Alzheimer’s disease • Can’t take care of self • Loss of eyesight 10% -- DOWNSIZING • Home too large for current needs • Kids moved out, and not using space 6% -- LONELINESS • Looking for companionship • Someone to see if you’re o.k. • Contact with people in health emergencies •Spouse passed away, now alone • Children have moved away 6% -- TRANSPORTATION • Location is not close to shopping, doctors • Security (don’t feel comfortable in current surroundings) • Physically unable to drive • Too much traffic and noise 6% -- AGE • Getting too old (unable to enjoy home as before) 4% -- FINANCES • Too expensive to stay • Will the taxes keep going up? Too high already

OTHER ANSWERS • Declining ambition • Spouse doing all the work • Need a new lifestyle • Don’t want to burden the children • Loss of family and friends

burden; she cooks, cleans, and makes decisions • Will I like the new senior housing over a long period of time? • Will I like community living? • Future health concerns • Hallways are too narrow in senior communities

2. What are the top three fears that are keeping you from making a 3. How many years have you been move? in your present home? 32% -- FEAR OF CHANGE • Going to strange surroundings • Familiar to less familiar • New setting • Leaving our neighborhood • Loss of neighbors/secure with current friends and neighbors •Emotional separation from home • Fear of unknown

26% -- FEAR OF DOWNSIZING • Packing and sorting • Giving up treasures possessions • Where do you start? • Entire process too difficult • What to do with the things you won’t have room for in your new home • Physical exertion of moving 24% -- EMOTIONAL FEARS • I’ll miss my home • Will my new neighbors be compatible? • What if I make a mistake? Bad decision • Will I get cabin fever? • What if I can’t take my pet? • I’m afraid I’ll take too long to decide 8% -- FINANCIAL CONCERNS • Monthly costs of new residence • Income won’t cover costs • Cost increases in new residence • Costs of moving 4% -- LOSS OF INDEPENDENCE • Will others make decisions for me? • Lose control of my life • Sharing living space OTHER ANSWERS • Will I have to bring up my house to code when I sell? • My husband wants to stay and I must accommodate his wishes • My wife has too large of a

• 0-20 YEARS -- 22% • 21-30 YEARS -- 10% • 31-40 YEARS -- 26% • 41-50 YEARS -- 34% • 50-60 YEARS -- 8% (Note that 68% of respondents have been in their current homes more than 30 years)

4. What do you find most confusing about current housing options?

Respondents all mentioned cost or pricing issues. Their comments included: • Refundable fees vs. non-refundable fees • Monthly payments • Security deposits • Utilities • Rate changes or increases • Best options for my situation • Poor heating and cooling systems • Terms of lease agreement • Right of residents (rules and regulations) • Anticipating future needs • Monthly expense comparison (current vs. new residence) • Future cost increases • Extras such as pool, clubhouse, exercise room should be separate

5. What are the three most positive changes you see in the future?

(Note that, although the question was regarding positive changes, 32% of respondents answered in the negative or could not think of any positives.) POSITIVE • Health Advances • Disease control • Medical advances • Prescription insurance NEGATIVE • Can’t think of anything positive

• No clue • Won’t get better/ Hoping for status quo • Everything iffy • Future looks bleak • We live too long • Government is so disappointing MISCELLANEOUS • Transportation improvement • Less government corruption • Improvement of social morality • Enough money to last rest of life • New friends • Better politicians • Trips with groups • More done on Internet

6. What are your three biggest fears about the future? 44% -- HEALTH • Loss of physical ability • Not able to take care of self/ make own decisions • Pain and suffering • Burden on loved ones • I get sick or die before spouse/ who will then take care of me? • No one to help me if I get sick/ alone when ill 26% -- FINANCES • Loss of financial security • Inflation • Can I afford change? • Taxes are going up LONELINESS (small percentage of respondents) • Loss of independence • Death of spouse • Companionship • Isolation • No children, who will help take care of me? • Alone when ill GOVERNMENT (small percentage of respondents) • Too much government involvement • Lack of leadership • Safety on streets • Federal government leading us to disaster (global ecology) • War-war-war! • Chemical warfare


MISCELLANEOUS • Making the right decision • How long will I live? • Not being in control, driving etc.

7. What have you heard most from friends and relatives who have made the move to senior housing? 76% -- SATISFIED • Most glad they made the move • Most seem happy • Relief from duties at home • Lifestyle improved • Was a good idea • Making new friends • Chores and meals done for them • Travel and have fun without worry of home • Should have done it sooner! 12% -- NOT SATISFIED • New home too small • Circumstances made their decision • Hard to adjust to downsizing • Too much time on hands 12% -- NOT SURE OR NO OPINION CONCLUSIONS After reading the responses, I came to some important conclusions. Fear was holding many of the seniors back from making a move that they could or should make. Of course, we are all “victims” of comfort and stability. We’ll stay in situations because we feel comfortable and safe, even if we are unhappy! How many people stay in bad marriages, or jobs to the detriment of their happiness and well being? We do so in many cases because that’s what we know. It reminded me of the story… There once was a fox and a scorpion. The scorpion needed to get across a pond and asked the fox for a ride on his nose. The fox agreed, having known the scorpion to be honest and kind. The scorpion got onto the nose of the fox. Half way across, in the middle and deepest part of the pond, the scorpion reared up and stung the fox in the nose! The fox was startled and asked, “Why did you sting me in the nose? Now I will drown and we will both die!” The scorpion looked at the fox and said, “I stung you because that’s what scorpions do.”

The moral of the story is that, like the scorpion, people do what they do because they do what they do. It may not be healthy, but the comfort and security of a known condition is better than the unknown (many times healthier) changes we should make for our well being. My senior respondents stated overwhelmingly that maintenance of their homes and deteriorating health were reason enough to move. Their homes were too large in many cases, but emotional issues were overriding the logical part of their brain. Most have been in their homes over 30 years. Much has been accumulated. There is total confusion as to the choices available and costs for senior housing. Some feel that medical advances, longevity of life and better politicians will make for a better tomorrow. Fears about health in the future and dwindling finances weighed heavily on my respondents. The responses to the question about what they heard from friends and relatives who have already moved were not surprising. The overwhelming majority stated that satisfaction and happiness were the result of the move. The people they believed and relied on for honest information were happy, which leaves an incongruity. People they trusted had told the respondents that a move to senior housing was a positive, healthy answer to their current housing problems… problems they had in common. But in many cases, the familiarity of a bad situation was more attractive than changing to a seemingly better unknown. RECOMMENDATIONS Seniors whose housing accommodations are not meeting their health or lifestyle needs should have their fears acknowledged and dealt with in an forthright manner. However, it is time to look at the facts and encourage them to overcome their fear of the unknown. They should be helped to take an honest look at their life and decide if they want to leave it to chance or design their remaining years to meet their needs for fun, enjoyment and security. A senior, or a person who cares for one, can begin this road to freedom by gathering information through the many professionals who are ready and

willing to help. There are companies to prepare a home for sale, to help sell and pack personal property and to assist with arranging finances. Professionals will assess each situation and offer the best options for health and financial needs. In short, let others who have been there before serve as guides and make the move if it is the right thing to do. The following are professional services and providers that seniors can use to help them change their lifestyle if a change is needed: • A Senior Financial Planner can advise as to the best use of the current assets. These consultants can help decide which senior housing options will work best financially. • A Realtor will help design a game plan regarding when to sell, how much a home is worth and also make recommendations for other trusted professionals. • A Marketing Director, or professional senior placement service, will assess the particular situation and offer guidance as to which senior housing would best serve individual needs.

• 5B

• A professional moving company can explain the services they provide, such as packing and moving, as well as the costs involved. • A personal property liquidator (estate sale specialist) will estimate the value of personal property and provide appraisal advice for valuables. • Tours are offered for all senior housing options. Plan to take as many tours as needed, after talking to marketing directors or placement services. Most importantly, it’s a time for seniors to look deep inside themselves and ask if their current lifestyle is the dream they worked towards for their entire life. Is this the way to spend the rest of one’s life? If it is the right style for a given situation, then stay and enjoy the home for years to come. Unfortunately, we never know how long we will live or how our good health will last. So think clearly and honestly.

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. Please feel free to call Bruce or Jeanne (his wife) with any real estate questions you may have at 262-242-6177.

Correction to 50 Plus January Health Care Guide listing VMP MANOR PARK

3023 S. 84th Street, West Allis, WI 53227 414-607-4100


7300 W. Dean Road, Milwaukee, WI 53223 414-371-7300 Services offered: A full continuum of care with independent living, assisted care, skilled nursing, ventilator care and short-term rehabilitation. VMP also has an on-site medical clinic, hospice care, pastoral care and a large senior center. Specialties: Ventilator and respiratory care, short-term rehab. VMP’s short-term rehabilitation services allow patients to return home safely and remain independent after a surgery or a fall when they need to regain strength and stamina. Therapy services are specific to patients’ needs and are available in private and semi-private rooms. VMP’s Senior Community Club is open to residents and community, offering many in-house events and classes, as well as off-campus trips. You never need to leave the building to see friends and socialize. Popular outings include Brewer tailgates, card games and theater outings. Fees: Health care fees are covered by insurance. Monthly fees vary depending on the level of care and the size of the unit. VMP is a Life Care community. The Life Care program guarantees residents priority placement and lower rates as they move through the continuum, regardless of their health conditions and financial status. Independent living apartments have both monthly rental and Life Care options available, with no endowment required for a rental. Mission: The mission of VMP is to provide a full range of senior healthcare for residents, patients and the community in accordance with our Christian values. Years in business: 88 years

6B • 50PLUS • FEBRUARY 2014

Supportive Care


Here’s what our residents have to say about life at Regency! “I’m so glad I met Ruth— she’s my BFF!” - Nancy

“There’s so much to do at Regency. You can keep up with old hobbies or you can try something new with all your friends and neighbors.” - Lyn

 777 N. Brookfield Rd.

5595 County Road Z, West Bend, 262.306.4299 101 Cedar Lane, Elkhart Lake, 920.876.4050 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 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.


“Now I have the time to work out every day at Regency. That’s how I stay a few steps ahead of Father Time!” - Joe




3.5 mi. S of I-43 on Racine Ave.


13750 W. National Ave.

262-780-0321 262-789-1699 262-679-0888

9339 W. Howard Ave., Greenfield (414) 546-7000 Enjoy a continuum of health and well-being where personal growth and intellectual stimulation are available regardless of physical limitation. Our spacious apartments feature all the necessary amenities and are just a few steps away from the on-site chapel, bank and gift shop. Breakfast and dinner are served daily and lunch is available casually in the cafeteria or restaurant-style in the dining room. Weekly housekeeping and linen service are available so you can spend more time at the Center for Enrichment enjoying watercolor classes, Bible study, field trips, yoga or swimming in our warm water pool. Sponsored by School Sisters of St. Francis.


(Five Homes throughout Milwaukee & Waukesha) 4926 W. Washington Blvd., Milwaukee Contact Person: Laurie Hintz (414) 258-9955 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 opening in the fall of 2014, Haven at Sweet Applewood, 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. Sweet Applewood, a 24 bed facility, will be our new addition to our family


• 7B

Supportive Care

DIRECTORY FOR ASSISTANCE IN LIVING of homes in Milwaukee County, and will excel in supporting seniors with mobility needs and 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 $3800 depending on private or shared room and level of care.

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 $924 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 events, tours and trips. For your convenience, we offer a daily dining program, enclosed parking, a full service bank, coun9279 N. Port Washington Rd., Bayside try store and a beauty salon/barber shop, all within the facility. In addiContact Person: Petra Sullivan tion to our on-site Wheaton Franciscan Medical office, scheduled trans414-351-1213 portation is available, shopping, special events, tours and trips. Health staff consists of RN, LPN’s and Certified Nurses Aides. At Forest Ridge, Elizabeth Residence has 40 apartments. Types of rooms include studio, we make a very special lifestyle possible. You will find the affordable re1 bedroom and 2 bedroom which spouses may share. Monthly rent is tirement you want with the services you may need to assist you through dependent on size and starts at $2,755 with a meal plan included. Full the years. activity staff provides outings and various events on and off campus. Medical personnel on staff or consulting include 4 nurses on staff and consulting doctor and podiatrist. Advantages include providing safety, nutrition, health care, housekeeping, transportation as well as restoring N48 W14250 Hampton Ave., Menomonee Falls family roles. Family owned and operated facility. We offer a pet wing. Contact Person: Ben Peterson Elizabeth Residence provides a continuum of care with a CBRF on our (262) 432-0222 campus. 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. 11077 W. Forest Home Ave – Hales Corners, WI 53130 With an enclosed outdoor garden, residents can enjoy the outdoors in Patti Frost – Administrator a safe and secure area. We provide three home cooked meals a day and Mary Zurowski – Resident Services Coordinator snacks and have an array of activities for everyone to enjoy. All private 414-425-1148 suites with private bath. Activities: outings, movies, cards, daily events Forest Ridge, a Wimmer Senior Community Residence, is your afford- and more. Affiliations: Lexington Heritage, Heritage at Deer Creek and able hometown senior community. We feature 208 residences with 1 bed- Heritage West Allis. room, 2 bedrooms with 2 bath, and 1 bedroom with den apartments,




8B • 50PLUS • FEBRUARY 2014

Supportive Care

DIRECTORY FOR ASSISTANCE IN LIVING PROFESSIONAL CARE WITH A PERSONAL TOUCH An affordable alternative serving the special needs of the elderly community. Our elderly living facilities provide a comfortable and charming homelike atmosphere.

Our Amenities Include: • 24-Hour Service Staff • 3 Meals Daily • Housekeeping Services • Assistance with Medications

• Daily Activity Programming • Peace of Mind of Resident & Family • Private Accomodations • Linen/Laundry Service


812 Marquette Avenue South Milwaukee 414-762-2511

• Nursing Services • Personal Care Assistance • Special Events, Tours, Trips • R.N. Owner Operated


1313 Missouri Avenue South Milwaukee 414-762-8026

Hometown Senior Living at a Great Value in Hales Corners! From just $924 per month! Assisted Living starting at $2,494 per month.

Let us give you a one-on-one tour of our beautiful campus & private apartments.

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Personal Tours Daily

Monday - FridayÊÊÊÊÊÊn\ääÊ>°“°Ê‡Ê{\ääÊ«°“°Ê Saturday & SundayÊ££\ääÊ>°“°ÊʇÊ{\ääÊ«°“° or by appointment

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


3585 S. 147th St., New Berlin Contact Person: Ben Peterson (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 and Heritage West Allis.


7901 W. National Avenue, West Allis, WI 53214 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.


• 9B

Supportive Care



N168 W22022 Main Street, Jackson, WI 53037 (262) 993-2838 Contact Person: Amy Lloyd Living on the Lake is important to many Wisconsin residents. At Jackson Crossings, people enjoy the birds, gardens and fishing on a small “Northwoods” lake among friends and family. Our spacious 1 bedroom, two bedroom and studio apartments include lakeside patios or balconies, utilities, cable TV, housekeeping, towel and linen service, concierge service and much more. Depending on the services provided, monthly fees range from $2,390 to over $5,000 per month and include a meal plan, fitness and wellness programs as well as many recreational activities such as bus tours, theater outings, live music and entertainment, art programs, wine tastings, barbecues, theme parties, Bingo, card parties, family picnics, transportation to shopping and more. The best things about Retirement Living at Jackson Crossings are the excellent services and outstanding staff who make you the priority. If you should need rehabilitation or other help, you can receive the best care and never have to leave. Independent Apartments, Assisted Living and Memory Care are available. Our staff includes RN’s, CNA’s, a social worker, therapists and a certified Alzheimer’s educator. No entry fee or endowment is required and pets are welcome.


5020 S. 107th St., Greenfield Contact Person: Chris Kohn (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 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 and Heritage West Allis.

10B • 50PLUS • FEBRUARY 2014

Supportive Care



Family owned and operated senior apartments with a commitment to quality care and exceptional service starting at $2,775 monthly. Amenities Include:

v Month To Month Contract

vFine Dining (3 meals/day)

v 24-Hour Support Staff

vCustom Service Plan (optional)

v Social/Recreational Events

vWeekly Nurse Clinic

v Cable TV/Telephone/WiFi

vNo Endowment/Entrance Fee

v Weekly Housekeeping/Linen Service vPet Wing (optional)

Call or Visit Us At 414-351-1213 9279 N. Port Washington Rd v Bayside

Looking for...

assisted living, rehab, nursing home, hospice care, senior apartments, an adult day center or in-home services ...for an older adult?

We Can Help. Living Options Service

2330 S. 54th Street, West Allis Contact Person: Terryl Troyer 414-615-7356 Meadowmere/Mitchell Manor West Allis is affiliated with 5 Star Quality Care, having a capacity of 235 and is for profit. Our facility has apartments, 2 bedroom, 1 bedroom, studio & shared rooms. Spouses may share rooms. There is an enrollment/endowment fee that varies along with a refund that varies. Monthly rent varies and the meal plan is mandatory and is included in the rent. At Meadowmere/Mitchell Manor West Allis we feature Adult Day RCAC assisted living, CBRF assisted living, Memory Care assisted living, Rehab to home and Skilled Nursing. We have a Medical Director with visiting physician, podiatrists, nurses. The advantages of living here include great food, great friends, safety and the family gets to be a family again! We feature continuum of care so residents do not have to move if their care needs change.


10803 N. Port Washington Rd., Mequon, WI Contact Person: Sue Butschlick or Jessica Gagliano 262-478-2200 Meadowmere Northshore is affiliated with Five Star Senior Living. Having 60 fully equipped apartments, which spouses may share, all with full kitchens (pet friendly), some with patios & balconies, studios, one bedroom and two bedroom. Monthly rent starts at $3,000-$4,500 with a mandatory flexible meal plan included in rent. Recreation and programs provided include weekly outings and lunch away, Happy Hour, exercise programs, Catholic mass, religious services, social activities, games, crafts and gardening club. Medical personnel on staff or consulting include RN full time, 24 hour CNAs and resident assistants. The advantages of assisted living to an older adult include no more costs and repairs due to owning a home, along with fine dining every day, entertainment, social and educational activities, outstanding 24 hour quality care and fine retirement living. Advantages that we offer are a range of care services, including long term assisted living, short-term stays, beautiful grounds, top-rated chef, pet friendly and welcome pets.


(414) 220-8600

701 E. Puetz Rd., Oak Creek Contact Person: Michael Bangs 414-766-2100 Meadowmere Oak Creek is affiliated with Five Star Senior Living. Our facility has a capacity of 149, independent and assisted living apartments. Spouses may share rooms. Monthly rent varies along with the meal plan MEADOWMERE continued on page 15B


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which is flexible. Activities personnel in all three buildings and we have a van for outings. Medical personnel on staff or consulting include nursing, PT, OT, speech and a physician. Advantages of assisted living to an older adult lead to a safe and enriching experience here at Meadowmere Oak Creek. Our facility is located in a suburban location with home cooked meals, in-house entertainment and deficiency free surveys.


3217 Fiddlers Creek Drive, Waukesha Contact Person; Pam Mainz 262-896-8888 Merrill Hills Manor is affiliated with WALA (Wisconsin Assisted Living Association) and is for profit. Has a capacity of 97 residents with private and semi private studios which spouses may share. Enrollment/endowment fee is $2,000 and not refundable. Monthly rent starts at $2,995 and the meal plan is included in the cost. Recreation and programs are included also. We have a clinical staff on 24/7. Advantages of assisted living to an older adult at Merrill Hills Manor includes high clinical presence with an emphasis on life enrichment activities. Includes chef prepared meals, weekly housekeeping and laundry. Advantages at our facility include an alarmed community that will keep your loved ones safe.


777 N. Brookfield Rd. Brookfield Contact: Terry Sommers Director of Community Services 262-780-0321 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. 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 $2,625 - $5,030 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.


W181 S8540 Lodge Blvd., Muskego Contact Person: Judy Sorce, Director of Community Services 262.679.0888 Regency-Muskego’s Assisted Living programs provide several levels of care to meet the changing needs of our residents. Our 96 one bedroom PROHEALTH CARE MUSKEGO continued on page 16B

Offering multiple

Introducing... Windsor Place Assisted Living at Tudor Oaks Wherever 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.


S77 W12929 McShane Drive, Muskego, WI 53150-4039 For more info visit

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.

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

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

16B • 50PLUS • FEBRUARY 2014

Supportive Care


PROHEALTH CARE MUSKEGO continued from page 15B

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 $3,395 - $4,895 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.


13750 W. National Avenue, New Berlin Contact Person: Arleen Houssaye, Director of Community Services 262-789-1699 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 catered 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 $3,250 to $4,745 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 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 hours a day, seven days a week, and oncall 24/7. Certified nursing assistants are on-site 24/7 for personal care services and emergencies.


1305 W. Wisconsin Ave., Oconomowoc WI 53066 Contact: Sue Pooler at 262 567-8341 or 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 no enrollment fee. Monthly rates range from $2,241 to $4,441 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


• 17B

Supportive Care

DIRECTORY FOR ASSISTANCE IN LIVING full-time nurses on staff. Spouses may share apartments. Assisted living provides friendship, menu choices, mental stimulation, access to services and freedom, all within a safe living environment. Shorehaven Tower residents enjoy their 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 barber shop on site. Also, lab, podiatry, dental and eye services available on site. Celebrating its 75th year, 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.”


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 48 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/endowment fee for assisted living, and the fees for enhanced assisted living are refundable in six months. Monthly rent starts at $3,690 - $5,740 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 memory care, rehabilitation services, beautiful park with walking paths and pond, worship services and much more.


10101 W. Wisconsin Ave, Wauwatosa, WI 53226 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 ST. CAMILLUS continued on page 18B

18B • 50PLUS • FEBRUARY 2014

Supportive Care


ST. CAMILLUS continued from page 17B

tAssisted Living tSkilled Nursing tRehabilitation t Memory Care tRespite Care

3800 N. 92nd Street Milwaukee, WI 53222 414-463-7570 SPONSORED BY THE SISTERS OF THE DIVINE SAVIOR

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.


Wilson Commons Where Luxury and Affordability Meet! t Exceptional Independent or Assisted Living options t Friendly, well-trained staff. Assisted Living building includes 24/7 staffing. t Spacious 1 & 2 bedroom apartments t Outstanding Service t Worry-free living Join us for our Chili fundraiser t Supportive services Sunday, Feb. 23rd 9:45-11: 15 am t Numerous on-site conveniences RSVP 414-281-2450 to Miki

Call today and set up your appointment to discuss Milwaukee’s premiere senior communities.

Ask about our FREE LUNCH at The Prelude Restaurant located in The Polonaise.

The Polonaise

The Chopin

Independent Living 1400 W. Sonata Drive Milwaukee, WI 53221

(414) 281-2450


Assisted Living

1500 W. Sonata Drive Milwaukee, WI 53221

(414) 281-3400

3553 S. 41 St., Milwaukee (414) 649-0730 The finest assisted living apartment homes for seniors who may need help with life’s day-to-day needs. Spacious apartments feature all the necessary amenities including walk-in showers. Enjoy three meals prepared daily, a beauty shop, scheduled activities and the professional care of an on-site nurse who can help you with your medical and health questions. Another benefit is the beauty and spiritual comfort of our on-site chapel. St. Clare Terrace helps families combine their personal independence with professional care. Sponsored by the Franciscan Sisters of St. Clare and managed by Clement Manor, Inc.


812 Marquette Ave., South Milwaukee (414) 762-2511 St. John’s Manor offers personal attention with full-time nursing assistants, full-time activity staff and a charming home-like atmosphere. Living arrangements include private rooms and activities such as bingo, van rides, entertainment, community programs, a patio and a transportation van. There is a refundable enrollment fee.


1314 Missouri Ave., South Milwaukee (414) 762-8026 St. Mary’s Manor offers personal attention in a charming home-like atmosphere and provides many levels of care. The facility has private rooms, full-time nurses and a full-time activity staff. Most popular activities include bingo, van rides, entertainment programs, community programs and the outdoor deck. There is a refundable enrollment fee.


• 19B

Supportive Care



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. Long term staff provides caring and compassionate assistance.


3023 S. 84th Street, West Allis, WI 53227 Contact Tamara or Christy at 414-607-4100


7300 W. Dean Road, Milwaukee, WI 53223 Contact Peggy or Jennell at 414-371-7300 VMP is a private, non-profit provider of senior housing and healthcare, since 1925. VMP provides a full continuum of care at two locations. Life Care guarantees residents priority placement and lower rates as they move through the continuum, regardless of health and financial conditions. Monthly rental and Life Care options available. Rates vary based on unit size; available for singles and couples. Manor Park: Assisted Living (CBRF): Singles, apartments with kitchenettes. Three meals per day, whirlpool bath, exercise, music and recreation therapy, memory activities. 24/7 nursing care and medication administration. VMP TRINITY continued on page 20B

20B • 50PLUS • FEBRUARY 2014 A decision the

Supportive Care

whole family will feel good about ...

Cedar Bay Assisted Living! . Improved quality of life for your loved one . Vibrant and engaging activities program . Peace of mind for the whole family

. Three delicious and nutritious meals daily

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. Comfortable apartments with private bath

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. Enjoy natural lake settings at both our Big Cedar Lake and Elkhart Lake campuses!

Call 262.306.4299 or visit for helpful advice on assisted living and other options! Apartments for financially qualified individuals.


Click here for a special offer!


Trinity Assisted Living (RCAC): Studio, 1 & 2 bedroom apartments with 1 & 1 ½ baths. Transition from independent living without moving. Three meals per day, housekeeping, laundry, medication administration and social activities. Onsite RN Clinical Coordinator, 24/7 nursing care. Private therapy suites for rehabilitation. VMP also offers short-term rehabilitation services and an active Senior Community Club, open to residents and community.


1500 West Sonata Drive, Milwaukee Contact Person: Michelle Heth 414-281-3400 The Polonaise at Wilson Commons has 75 apartments, 1 bed w/den, 1 bed w/ patio and 2 bedroom which spouses may share and is for profit. Cost is $500/non-refundable community fee, $2,500 security deposit that is refundable. Monthly rent 1 person $3,400-$5,045. Meal plan is mandatory with three meals per day which is included in the rent. Recreational programs are provided by our full time activities coordinator including the GROW program. Medical personnel on staff or consulting include an RN, LPN, 20 CNA/caregivers. The advantages of assisted living to an older person at The Polonaise is that everything is under one roof and all-inclusive. Advantages of living at The Polonaise include the GROW program, all-inclusive, our campus also has independent living ranch homes and right next to Milwaukee County Park.

Retirement Community

• Spacious Independent Apartments • Assisted Living • Memory Care

Enjoy Lake Resort Living Only Minutes From Milwaukee

Stop and see why Jackson Crossings is your best choice for senior living in the area

N168 W22022 Main Street Jackson, WI 53037 On Hwy 60 just East of Hwy 45

(262) 993-2838



Keeping the romance alive in your relationship By Julia Price Whenever we see a couple who still look madly in love after many years together, there seems to be one question that we can’t help but to ask: “What’s your secret?” Often this question is answered with jokes or witty comments about finding some sort of method to deal with the other person’s quirks and annoying behaviors. But all joking aside, there is plenty of truth in that sentiment. Of course you’re going to find things to pick out in your partner! You spend more time with them than anyone else, so it’s bound to happen sooner or later. If you learn to laugh whenever you find your blood pressure rising or your patience tested, the results are amazing and instantaneous. While it’s easy to laugh over the little things, like how your honey still forgets to close the kitchen cabinets after all this time, the bigger issues can seem a little less comical in the heat of a passionate argument. Healthy debates and disagreements can actually be a positive way of keeping the passion alive in your relationship; however, when the disagreements get into the ugly zone (the place where low blows, personal digs, unwelcome comparisons to a family member, and old issues are used as ammunition for the present topic), it is useful to take a step back, remember why you fell in love with that person in the first place, and really try to connect with that feeling of compassion.

• 1 bedroom $585 • 2 bedroom $675 • 24 hr. maintenance • same floor laundry • elevator

Once you are able to calm yourself, try to do the thing that feels the least comfortable in that moment of anger: Put yourself in your spouse’s shoes so that you can really hear what he or she is expressing, even if you disagree, even if it’s a recurring argument. As Albert Einstein said, “insanity is doing the same thing over and over again and expecting different results.” You want to change something? Sick of the same gosh darn fight year after year? Change your approach. After all, we can’t control other people, but we can control ourselves and how we react to what comes our way. Thank your partner for being vulnerable and brave enough to speak to you about the emotions he or she is feeling. Be a friend, not a victim. Most likely, your sweetie will be so shocked to hear your apologetic and open response that the argument will fall apart, perhaps leading to some ROMANCE continued on page 21B

• library • community room • game room & garden • sm. pets welcome • professionally managed Income restrictions apply

For Independent Seniors 55 & Better 414.769.9240

3120 E. Norwich Avenue • St. Francis, WI 53235 •

• 21B

Steeple View Deluxe Apartment Homes For Seniors 55 & Better 12455 W. Janesville Road New Berlin, WI 414.525.5500  Office hours: Monday – Friday: 8:00 am - Noon Secure, Carefree Independent Living for Active Seniors in a Supportive Christian Atmosphere Spacious 1, 2 and 2 bedroom plus den apartments homes  Heated Parking/Car Wash  Individual Heat & A/C  In-Unit Washer/Dryer  Generous Closet Space Numerous Other Amenities Call Today for a Free Information Packet or to Schedule Your Private Tour (414) 525-5500

22B • 50PLUS • FEBRUARY 2014

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Call today for more information: GREENBROOK APTS 414.282.5044 4955 S. Greenbrook Terrace Greenfield, WI 53220

ROMANCE continued from page 20B very loving makeup sex. That brings up the next topic -passion. Humans are naturally curious. Give us a mystery and we want to figure it out and solve the problem. The same applies to relationships. While having a safe, honest place created between two people is the basis of strong, unconditional and lasting love, it’s always good to leave a little bit to the imagination. Chew with your mouth closed; shut the bathroom door while you’re in there; and reserve naked time to the bedroom. Then it will still be fun to get undressed together. Keep busy with your own life and friendships, and find a new hobby -- cooking, dance classes, learning Spanish. If you want to spice up your relationship, go out and spice up your

own life. Step out of your routine so that you’re excited about sharing your new discoveries with your lover, thus bringing more excitement to their day as well. Passion is contagious. Being in love with your own life is an extremely attractive quality, leaving your mate wanting to spend more time with the vibrant person you are. And remember to just let go of the arguments. Dance and laugh together like teenagers. Go on dates. Flirt. Pick up a random present for no reason. But whatever you do, let go of the need to be right so that you can live fully in your heart, not in your mind. That’s when you fall in love over and over again. COPYRIGHT 2013 CREATORS. COM


• 23B

Love, Love, Love It! Affordable Housing for 62+



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of Greater Milwaukee

The Disease that Whispers

April 2013 Vol 26 No. 4

Should Voucher Programs be Expanded

Vol. 14 No. 9 | September 2013 | Complimentary

A Sister’s Legacy


page 3A

at his home in naples, Florida. Charles’ rec room has countless Brewers memorabilia, including these large cardboard cutouts of Paul Molitor and robin Yount.


Shape Up!


StAy in ShApe without A gym

COMMENT ELLENBECKER: college Financing By Matt Pommer


By Matt Pommer

page 8A

ChARLEs continued on page 6A

TRAVEL Frank Charles, Truly a Music Man for Baseball MONEY SENSE

DON’T MISS 50 Plus Fest & MOVING IN THE retirementRIGHT Show DIRECTION page 5A

By Karen Ellenbecker & Julie Ellenbecker -Lipsky

By Bruce Nemovitz



Taking Care of Mom and Dad with Kids

Probably the most controverBy Karen Ellenbecker part of Governor Walker’s &sial Julie Ellenbecker proposed budget for the next two -Lipsky was his deciyears (2013-2015)

By Bruce Nemovitz

Sept WW Pages.indd 1



Senior Day at the Zoo

Social Security

Packers Golden Girl

page 20A

August 30th

A Immediate Openings



BACKGROUND The Affordable Care Act (ACA) went into effect in March

FRAzIER continued on page 3A



SPORTS Sports Plus By Jack Pearson By Jack Pearson


By Tom Frazier

MF Pages SPRING\SUMMER 2012.indd 1

3/7/13 2:00 PM

By Aunt Emma


Section b

Find Your Future in AGING Assistance in Living page 2B

2010 and required states to cover almost all non-elderly adults with incomes of less than 133 percent of the Federal Poverty Level (FPL)$15,282 for one person, $20,628 for two persons and $31,322 for a family of four. However, a U.S.

WRITES Emma Answer Man ARTS ENTERTAINMENT Adoption through foster cAre calendar

8/20/13 9:28 AM

After Bad Ideas

sion not to expand the Medicaid program to provide health care for low-income people as envisioned by the federal Affordable Care

By Tom Frazier


orgAnizAtionAL tipS

Act (ACA, a.k.a. Obamacare). Also, his decision would decline over $4 billion in federal money to pay for the expansion.



plus FALL FAShion &

page 9A


MONEY SENSE Governor’s budget rejects Medicaid expansion and money By Aunt Emma Answer Man

Are you Sandwiched?

the WRIGHT SIDE of By Enis Wright






with Jim McLoone

check out our calendar of events


of Greater Milwaukee



This is a generous tax break page 3A



STATE CAPITOL Don’t keep COMMENT Matt Pommer unneededBypapers page 5A

Jerry, Marie, daughter lisa and son Tony at last year’s Tent Event. See page 19b for details on the August 25 event.


Maintain your home MOVING IN THE page 7ARIGHT DIRECTION By Bruce Nemovitz




By Karen Ellenbecker

recently passed state budget, both in & ofJulie terms moneyEllenbecker and people affected, -Lipsky were the decisions to reject increased federal dollars to expand health care for low income people (Medicaid), and to provide tax cuts for “middle class” individuals.

HEALTH CARE Under the federal Affordable Care Act (Obamacare) low income persons were to receive health care by expanding eligibility for Medicaid to 133% of the Federal Poverty Level (FPL). This equals $15,282 for one person,



By Tom Frazier


By Jack Pearson By Jack Pearson

ARENAs continued on PAgE 13A


By Bruce Nemovitz


TODAY EmmaDREAMS By Brad Olson

for a family of four. But, when the Supreme Court ruled on the constitutionality of the Affordable Care Act (ACA), it said that states could not be forced to expand Medicaid. Governor Walker and majority Republicans in


FRAzIER continued on page 3A




When your child has special needs

SPORTS Sports Plus

STRINGS MONEY SENSE Low income health careMan and middle class tax cuts Answer $20,628 for two persons, and $31,322 Two of the biggest items in the By Aunt Emma


involved PLUS Inside

Once upon a time, the popular question of the day may have been, “After they’ve seen Paree, how do you keep them down on the farm?” This question was asked circa the late 19th century. But now in modMONEY SENSE ern day Southeastern Wisconsin, the question often is, “Why not join the many happy and knowledgeable By Karen Ellenbecker people who& are dining at the ever-popular Palmer’s Steakhouse, nestled alongside the picturesque Bark Julie Ellenbecker -Lipsky River in downtown Hartland? More than taste buds are satisfied there. What is the secret to Jerry and Marie Arenas’ success? There is none. This answer is obvious: Serve great food. Do so in satisfying quantities and the diners will come. We won’t even mention the good drinks served from their bar. In fact, they do so on such a regular basis that Jerry and Marie know most


of being BeinG



Vol. 14 No. 3 | March 2013 | Complimentary


PLANTING TOMORROW’S Jerry and Marie Arenas work towardDREAMS a cure TODAY By Brad Olson

August 2013 Vol 26 No. 8

the WRIGHT SIDE of By Enis Wright



in Business

It’sabout All the

Sara meaney

KILLING TIME with Jim McLoone MF-FALL/WINTER 2013.indd 1

8/5/13 12:13 PM

Eyes Women’s Clubs Bring Change

Knowing the Secret to Leadership

March WW PAGES.indd 1

2/18/13 10:05 AM


By Jack Pearson






List Resource &

s New for Phase HERMANWhat’ WHITE WRITES Two of Your Life....



Going Back to





is Living the

KILLING TIME with Jim McLoone NEXT 2012.indd 1

Living with

Presented by

the WRIGHT SIDE of Presented by By Enis Wright

of Greater Milwaukee

ChroniC Pain


SPORTS By Jack Pearson


ne xt By Enis Wright

KILLING TIME with Jim McLoone

By Tom Frazier

Vol. 14 No. 8 | August 2013 | Complimentary




10/8/12 11:09 AM

Resource Directory 2013.indd 1

4/8/13 10:03 AM

Aug WW Pages.indd 1

7/15/13 11:28 AM

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e It Lov t I e v Lo Lov e It It Love It e Lov v o L It e It Love It Love It Love It Love sk About

Lov e It

By Jack Pearson A fellow I know who loves to stump people on sports trivia once asked me, “Who is the only guy to have played for both the Milwaukee Brewers and the Milwaukee Bucks?” I tried to recall names of athletes who played in




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February 2014