50 Plus August Issue

POMMER:AffordableHealth Care

NEMOVITZ:Avoid CrisisManagement

PAGE 3A

PAGE 6A

SPORTS

PAGE 18AMileys of Golf

PAGE 1B

HOMES

PAGE 9BAssisted Living

HEALTHPAGE 12ADental Care

AUGUST 2012 Vol 25 No. 8COMPLIMENTARY

SECTION BBird Companion

White House senior community summit

Superintendent GregoryThorntonAlways enjoys first day of school

By Maryann BoucheEven on vacation, Gregory E. Thornton, Ed. D., super-

intendent of Milwaukee Public Schools, can’t resistheading to school. While visiting family members inPhiladelphia recently, he volunteered at his granddaugh-ter’s school. “I was giving out punch and cookies and herteacher wanted to sign me up as a permanent volunteer,”he says. “She didn’t know I was the superintendenthere.”Interacting with students, parents and other communi-

ty members throughout the Milwaukee area is a part ofhis job he relishes. “This work is transformational,” Dr.Thornton says, “and it takes all of us to do this transfor-mational work.”That’s why the first day of school is the most exciting

day of the year, “right up there with Christmas,” he says.“I remember my first days of school and the excitementis still present today in the young people. The communi-ty comes together, they line the sidewalks to cheer for thekids, and we have our annual bell ringing. It’s a goodtime.” This coming school year, MPS will have approxi-

THORNTON continued on page 21A

FRAZIER continued on page 3A

AGINGISSUES

By Tom Frazier

By Tom Frazier,On June 24-26, 2012, I was honored to be one of over 100 Senior Community Leaders from 26 states to be invit-

ed to participate in an event in Washington, D.C. to advocate for Social Security, Medicare and Medicaid. It wasorganized by the National Committee to Preserve Social Security and Medicare (NCPSSM) in cooperation withtheWhite House. The purpose was to educate those who attended about the three issues, and threats to make dras-tic changes and cuts to these programs, especially in the “lame duck” Congress after the November Presidentialand Congressional elections.The theme of the Summit was “Hands Off Social Security, Medicare andMedicaid,” a message we were to com-

municate to members of Congress during visits to Capitol Hill on June 25, 2012 and when we returned to our

Dr. Gregory Thornton

OLSON:CaregivingCostsPAGE 11A

-Aug Pages:Layout 1 7/20/12 10:01 AM

2A • 50PLUS • AUGUST 2012

by Cheryl L. Dejewski & Carolyn VescioSeventeen years ago, when refractive

and laser eye surgery was relativelynew, Diane Prondzinski of West Allis,turned to ophthalmologist Dr. RobertSucher, co-founder of Eye CareSpecialists, for help in reducing herdependence on the contact lenses andglasses she had been wearing for 30years. At the time, Sucher and two ofhis partners, Drs. Norman Cohen andMark Freedman, were part of a selectgroup of surgeons across the countryparticipating in an FDA study on theuse of the excimer laser to treat near-sightedness and astigmatism with a procedure called PhotorefractiveKeratectomy or PRK. Prondzinski was the perfect candidate.

“I had a very high prescription andneeded bifocals for reading. I just neverseemed to be able to get enough light. I couldn’t wear contact lenses anymorebecause they made my eyes red and my glasses were uncomfortably heavy.When I came to Eye Care Specialistsfor laser surgery, I was ready for it!” What is refractive surgery?

“Refractive surgery involves reshap-ing the cornea to improve the eye’sfocusing ability and thus reduce theneed for glasses, contact lenses or bi-focals. This reshaping was originallyaccomplished with an incisional surgeryprocedure called RK and was laterreplaced by laser procedures calledPRK and LASIK,” explains Sucher.

Prondzinski recalls, “I chose to havemy prescription undercorrected formono-vision so I wouldn’t need glassesfor reading, and I haven’t worn bifocalssince—and I’ll be 66 soon! After myPRK, I’d wake up every day and say alittle ‘thank you.’ It was like a miracle.”

Laser surgeon Freedman explains,“Many baby boomers elect to haverefractive surgery to improve their distance vision enough to reduce oreliminate the need for bifocals and thusswitch to using only reading glasses.Other patients have such active life-styles that they prefer the convenienceof being less dependent upon correctivelenses.” In addition, some peoplechoose to have LVC because of diffi-culty wearing contacts due to dry eyedisease, arthritis, or other conditions.

After PRK, Prondzinski continuedwith routine eye checks until 2007, whenher near-perfect vision started to blur,and she was diagnosed with cataracts. What is a cataract?

“A cataract is a gradual, painlessclouding of the eye’s natural lens locat-ed behind the pupil,” explains Cohen,the first eye surgeon in Wisconsin touse ultrasonic cataract removal. “Thedevelopment of cataracts is a naturalaging phenomenon and is NOT causedby or related to previous refractive eyesurgery. In fact, six out of 10 peopleover age 60, and almost everyone overage 80 has a cataract.” This cloudingmay take years or just months toprogress. As a cataract “ripens” andclouding increases, it can blur and glarevision to the point of interfering withday-to-day functioning. “What we’reseeing now in our practice is that peo-ple who had refractive and laser visioncorrection when they were younger, are coming to the age where they aredeveloping cataracts,” adds DanielPaskowitz, MD, PhD, a member of Eye Care Specialists team of surgeonswith prestigious credentials from bothHarvard University and the Wilmer Eye Institute at Johns Hopkins.

By 2010, Prondzinski decided to have the cataract in her right eye treated.

Cataract Treatment = Removal “At present, the only effective treat-

ment for a cataract is to make an open-ing in the eye, surgically remove thecloudy lens (cataract), and replace itwith a prescription intraocular lensimplant (IOL) to once again focus light rays sharply onto the retina,”explains Brett Rhode, MD, Head of Ophthalmology at Aurora SinaiMedical Center and a partner at EyeCare Specialists. “The decision to goahead with surgery is based upon thepatient’s candidacy in terms of whetherwe can reasonably expect the procedureto improve vision, and there are nounderlying conditions, such as maculardegeneration, that would negate thebenefits. The decision also depends onhow much the cataract is affecting thepatient’s independence, safety, task per-formance, and quality of life,” explainsRhode. “Of additional major concern iswhether they have had previous eyesurgery, especially refractive or laser.” Previous refractive surgery canaffect cataract surgery results

Freedman explains, “Becauserefractive and laser surgery changesthe shape of the cornea and thefocusing ability of the eye, advancedtesting and measurements must bedone to ensure a successful cataractoperation. This includes evaluating thecornea’s ability to withstand an incisionand ultrasonic break up and removal ofthe cataract. “We also have to conductspecial precise testing (beyond normalcataract surgery preparation) to deter-mine the prescription power of the IOLto be implanted,” explains Dr. DavidScheidt, who assists in performing theextensive pre-operative examinationsfor Eye Care Specialists. He advises,“Anyone who has refractive surgeryshould ask for and keep a copy oftheir records for when they mightneed cataract or other eye surgery,especially since many LASIK sur-geons and companies come and go.Having original vision measurementsfrom before laser vision correctionassists us with our calculations.”Choose an experienced surgeon

Dr. Daniel Ferguson, a partner at EyeCare Specialists who routinely performscataract surgery, adds, “We are experi-

enced with both the psychologicalexpectations and physical limitations of patients who have had laser visioncorrection. As a result, we’re seeing not only our own patients, but peoplewho had their laser surgery done else-where and now need cataract surgery.These people often say that they come,not just because of our credentials, butbecause our doctors and staff give themthe time and answers they deserve.”

Prondzinski hopes to put other peo-ple at ease with her story. “With boththe PRK and cataract surgery, I had no problems, no pain, no nothing! . . . I look forward to having my leftcataract removed soon.”

Want to learn more about laservision correction and/or cataracts?Eye Care Specialists offers free educational booklets on these subjectsas well as macular degeneration, diabetic eye disease and glaucoma. Call 414-321-7035 for free copies.

Eye Care Alert for LASIK, RK and PRK vision correction patients who later develop cataracts

EYE CARESPECIALISTSNorman Cohen, MD

Robert Sucher, MD

Mark Freedman, MD

Brett Rhode, MD

Daniel Ferguson, MD

Daniel Paskowitz, MD

David Scheidt, OD

�� West Allis 414-321-752010150 W. National Ave.

�� Milwaukee 414-298-0099735 W. Wisconsin Ave.

�� Wauwatosa 414-258-45502323 N. Mayfair Rd.

www.eyecarespecialists.net

Since 1985, Eye Care Specialists has provided comprehensive carefor virtually every eye condition to 121,000+ Wisconsinites andmade the following achievements:� First in state to utilize phacoemulsi-

fication (ultrasonic) cataractremoval & foldable artificial lenses

� Forerunners in OCT laser scanningtechnology for eye disease diagno-sis, tracking & treatment

� Leaders in AMD, glaucoma & dia-betic eye disease treatment (includ-ing lasers & Avastin injections)

� Accept Medicare & most insurances� “Top Doctors”—Milwaukee Magazine

T

Diane Prondzinski and daughterMarisa enjoy seeing the sights in New York City.


respective states between now and theend of the year. The NCPSSM haddeveloped a lot of written materials onthe issues, and briefed us before wewent toWashington, D.C. to meet withour own members of Congress. Wewere asked to talk with our representa-tives about four issues:1.Oppose the Ryan Budget

Medicare and Medicaid Proposals(privatize Medicare and huge cuts toMedicaid)2.Oppose Simpson-Bowles As a

Template for a Budget Deal (SimpsonBowles proposes drastic cuts to SocialSecurity even though it has not con-tributed a penny to the national deficit)3.Oppose Legislation to Repeal the

Affordable Care Act4.Support the Sunset of the Social

Security Payroll Tax Cut.I met with staff persons for

Congresswoman Tammy Baldwin,Senator Ron Johnson and SenatorHerb Kohl. Also, I had the pleasure ofmeeting briefly with Senator Kohl onJune 27, 2012 before returning toWisconsin on that day.After a long and tiring day “on the

hill,” we had to be on the buses thenext morning at 6:00 a.m. to travel to

the Eisenhower Executive OfficeBuilding for meetings with key WhiteHouse staff, including Gene Sperling,Director of the National EconomicCouncil; Liz Fowler, Special Assistantto the President for Healthcare,National Economic Council; andMartha Coven, Deputy Director of theOffice of Management and Budget. Inaddition, Jack Lew, the President’sChief of Staff, stopped by to talk withus. I was impressed with their depth ofknowledge on the issues, their compas-sion for the people that these programsserve and their willingness to answerour many and, sometimes, hard ques-tions. We then had a tour of the WhiteHouse (lots of security checks), andwere treated to a box lunch at theWhite House Conference Center.One of the concerns that we shared

withWhite House staff was the lack ofa good response to some of the oppo-nent’s sound bites, which are false. Forexample, the claim that the AffordableCare Act cut $500 billion fromMedicare is typically answered by anoverly long policy explanation. Mysound bite answer is “there were nocuts in benefits for seniors, but therewere cuts to Medicare crooks, andreductions in overpayments to insur-

ance companies.” Incidentally, theRyan budget proposal maintains thecuts that he accuses the AffordableCare Act of making in Medicare (e.g.not eliminating the “donut hole,” andincreased costs for preventive care).In my “hill” meetings, I suggested

that no cuts in Social Security shouldeven be considered until the SocialSecurity tax was restored to the levelagreed to back in 1983. This was whenSocial Security reforms were recom-mended by the GreenspanCommission, and agreed to byPresident Ronald Reagan and Speaker

of the House Tip O’Neill. They agreedthat 90 percent of wages should betaxed for Social Security, but wagesover the Social Security cap havegrown faster than increases in the capso that only 84 percent of wages arenow taxed. If the 90 percent wasrestored it would solve well over halfthe 75 year solvency problem. I men-tion this because it was a bipartisandeal worked out by prominent leadersof the Republican and Democratic par-ties. Where is this kind of leadershipcoming from today?

I had a colonoscopy last month onthe eve of the U.S. Supreme Courtdecision on theAffordable Health CareAct – perhaps appropriate timing sincepreventive care is a feature of the act.The procedure itself is one of the morelabor-intense and expensive screeningprocedures for common cancers.A physician uses a flexible fiber-

scope for a visual examination of theentire large intestine. The aim is tolook for colon cancer, especially in theearly stages when it may be treatedsuccessfully.A mild anesthesia and a pain medi-

cine are administered, and other healthworkers are on hand to monitor thepatient. The added staffing makes itmore expensive than other tests thatuse blood tests or X-rays for otherparts of the body.The costs can create a difficult

choice for those without either privateor government insurance. Yet, it’s farless expensive for society and thepatient than discovering cancers atlater stages.As I sat in the reception area, the

TV monitors set to cable news chan-

nels and speculation on the upcomingSupreme Court’s decision. Looking atother patients I wondered howmany ofthem lacked any form of health insur-ance to cover all or part of theircolonoscopies.Critics of the Affordable Health

Care Act say it is too expensive forAmerica, in effect, to open the health-insurance coverage door to all citizensbecause government would need topay for or provide credits to many low-income families getting health insur-ance. In turn that seems to raise thequestion of whether the screeningshould be limited to those with healthinsurance or sufficient private funds.Federal law requires hospitals to

provide care regardless of insurance or

resources. For the costs of those unableto pay, the cost burden is shifted large-ly to insurance company premiums or,to a lesser degree, operating lossesassumed by hospitals – which in turncomes back to paying customers. Butthe shift is accepted by many becauseit isn’t a government collected “tax.”The care generated in the hospital

setting overwhelmingly comes aftersymptoms manifest themselves.Certainly you don’t walk into a hospi-tal unannounced and get acolonoscopy. For the patient it’s a two-day procedure because one dayinvolves the preparation of drinking agallon of cleansing mix. The procedureitself is painless, but the accompanyinganesthesia leaves patient a little bitgoofy for a brief period.In my case “more than usual,” quips

my wife.Republicans led by Mitt Romney

have vowed to eliminate every bit oftheAffordable Health Care law. Seniorcitizens tend to be Republicans,according to assorted polling. Maybewe don’t care about its repeal becausewe already have our Medicare cover-

age. But we’re not alone. Polls showlimited sympathy for those withouthealth insurance.The nearly-elderly (ages 50 through

64) have a different interest in the leg-islation. Among its provisions areguarantee issuance of policies, a bar onlimitations and higher premiums basedon preexisting conditions, and pro-hibiting annual or lifetime maximum-benefit payouts.The availability of health insurance

and the extent of its coverage are cen-tral concerns as that generation andtheir spouses mull over when to retire,either fully or partially. At least that’swhat I hear from the near-elderly in mypoker group, who happen to be solidRepublicans. The availability of suchinsurance is on their radar planningscreens, especially if they are a fewyears older than their brides.A final note. My results? No cancer

this time, but two polyps wereremoved. “See you in five years,” thedoctor said.

AUGUST 2012 • 50PLUS • 3A

The good and bad of theAffordable HealthcareAct

By Matt Pommer

STATE CAPITOLCOMMENT

FRAZIER cont. from page 1A

Looking for agood read?

Pick an issue of

50PLUS


Twenty-three million Americanscan’t find jobs. This is a difficult situ-ation for our country’s citizens. Iguess we must be happy that they atleast being fed via entitlements. Butwould we not be much happier for allconcerned if we had more empower-ment than entitlement? Meaningfulactions to lower the greater than eightpercent of people unemployed havenot been forthcoming from the exec-utive mansion. Our president is thepresident for all of us. He has to dosomething to right the ship eventhough he, himself, never held a joboutside of government. Is he a shirt-tail relative to some of the Europeansocialists staging rallies against aus-tere measures?

KILLING TIME with Jim McLoone

y g

It is a shame that the City ofMilwaukee and the State ofWisconsincannot move more amicably forwardtogether. We’re sure there’s no injus-tice intended. But let not either ofthem wait on the Lord to inherit theearth. As for the county, it seems thatthey’re Abele, but not always willing.

cccccWith August comes the Wisconsin

State Fair.What a wonderful activity itis, too. Farm and city do come togeth-er. There’s not just fun on the midway,but many high technological displaysand grandstand entertainment. Butregardless of the music played in thelivestock barns, we doubt you’ll seeany Jerseys bounce. For a real treat,take the grandkids along.

cccccI met a sweet young lady recently

by the name of Brook. Did her parentsexpect her to be a river when she grewto adulthood?

cccccAs a regular visitor to Milwaukee

senior centers said, “I come here tostay young.” Don’t you sit at home andwait for dementia to arrive.

cccccWith all of the recent problems in

Milwaukee, I recall the words of Fr.Flanagan, founder of Boys Town inNebraska, “It costs so little to teach achild to love and so much more toteach him how to hate.”

cccccI recently had minor surgery (if

knee surgery can be called that), but afellow, who was waiting for more seri-ous surgery said that his only child, aboy, fervently prayed for his recovery.Where else could mom go, except tolive with him?

cccccWhile standing in a line at the deli

counter, I was tempted to just forgetabout whatever I wanted to buy. Withaging, there are many less thingsworth standing in line for. Entranceinto Heaven, of course, is still numberone.

cccccDespite busy work schedules that

perhaps seem like eight days a week,Linda and Jacob (Jack) Weisgerbermust have stopped by the Fountain ofYouth in Florida before they celebrat-ed their 50th wedding anniversary in

July in Delafield. What placecould have been more appropriate forthe celebration than their own SevenSeas restaurant of renown.

cccccSpare tires are there to be used in

case of need. Dr. Tim Tyre recentlywas seen assisting a man into a wheel-chair at Waukesha Memorial Hospital.So kind, the man wasn’t even hispatient. This is the type “spare tyre” Ilike.

cccccThink back to your times in calcu-

lus and chemistry classes when youdream of being young again.

cccccAs this year progresses, it seems

that June and July always just slipaway. But these Dog Days of Augustaren’t always of the biting kind.

cccccWe’re told that travel is broadening

(Perhaps of the mind), but sitting lazi-ly at home can be more so.

cccccToo soon, the grandkids and possi-

bly even their kids will be headingback to school. I still recall thoserulers given to kids when they startedschool by J.C. Penney that proclaimedthe rule, “Do onto others as you wouldhave them do onto you.”

cccccMywife gives me a dirty look every

time I converse with someone andcome away believing and saying as Ishake my head that the good Lordobviously made more horses’ assesthan horses. But why are so many ofthese in politics?

cccccI believe that people should not

worry too much about old age. Afterall, it won’t last that long.

cccccJuly not only is a thing of the past

for another 12 months, but it neverexisted at all on my desk calendar.Tearing off June, I went directly toAugust. But was it really that bad of amonth?

ccccc


EDITORIALS

128 Cottonwood Ave.• Hartland,WI 53029 • 262-367-5303

PUBLISHERSTom and Maureen Slattery

EDITORJim McLoone

TRAVEL WRITERMary McLoone

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ADVERTISINGMargo Lehmann

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50PLUSWhat’s new for phase two of your life?

SENIORAnswer Man

IT MAKES MECRABBY

Dear SAM:Do you believe that the restaurant

scene – once filled with chicken andsteak places – is ever changing? Thecurrent popularity of Italian restaurantscomes, of course, with the lower pricesfor pasta and the like dishes as opposedto what the taste buds really salivate for,juicy steaks that command high prices.What’s next on the restaurant scene? Iwould like to open a restaurant, but Iam not sure what I should feature.Questioningly,Kevin Kennarde

Dear Kevin:I believe you might get much better

advice from persons at the WisconsinRestaurant Association than I couldgive to you.If you have a high price menu, you

need not only quality food, but alsodecent ambience and a wait staff that ispleasant, efficient and definitely notoverly important.As for the wait staff, Ithink of nothing more important. Awide smiling waitress can get by with alot, excepting, of course, serving shoeleather for a prime piece of meat. Tome, many fine dining places fall down

on the simplest things, like the breadbasket, keeping the water glasses filledand shiningly clean eating utensils.Really, who wishes to eat with plasticor dull looking knives and forks?To me, opening a restaurant of any

kind today might be a gamble. Yes,people today do eat out more than everbefore in history. But the places that donot serve alcohol seem to be dying atnight. Isn’t it a shame that alcoholseems to be so important to the dinner-time diners? The value of a reasonablypriced wine list cannot be overstated.I might think the wider array of

Italian foods might make this type ofrestaurant more of a keeper than, say,Chinese or Mexican, where the menuitems seem to bemore selective. I knowI have not helped you much, if any.However, I would rather pay $12 to $15for a nice Italian or fish dinner whiledining out and grill that expensive pieceof beef right in my own backyard.I hope I have helped,SeniorAnswer Man



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All too often I meet with a babyboomer emotionally drained from theresponsibility tied to a parent or parent’simmediatemove due to a health change.While none of us wants to burden ourchildren with decisions that in manycases could have been made whilehealthy and financially prepared, thereare situations that are unavoidable suchas a sudden death or financial event thatcould not have been avoided. But myconcern relates to folks I have met withover the years who want to move, knowthey should move, yet stay in a homethat is no longer working for them bothphysically and emotionally.When a family enters into “crisis

management” due to an immediatehealth event, decisions have to be madequickly. The senior who has had astroke or a broken hip from a fall usual-ly enters a hospital or rehabilitation cen-ter leaving his or her long time homeunattended if there is no healthy partnerstill living in the property.Decisions often now fall to a child

who has been designated as a power ofattorney or trustee for their parentand/or parents’ estate. When there are

multiple children, this can cause unduestress among siblings, especially sincenot all often agree when life-changingdecisions for their parent are made.Youcan just imagine the stress and sadnessI see when I meet with the child whohas been given the responsibility to helpdecide where mom or dad will spendthe rest of their days as well as sellingand downsizing their current house.The best advice I can give is to avoid

crisis management by planning ahead.This may sound simple, but as we allknow it is so difficult to accept change.When we are faced with decisions suchas moving to a new community orapartment, our defense mechanismskick in and we may fall into fear, whichthen leads to procrastination.

Information and self-examinationare the best defense against crisis man-agement! First, talk to your trusted advi-sors to get an objective and loving senseof your current situation. If your chil-dren and friends have been telling youthat it may be time to find healthier sur-roundings than perhaps you should takea good look at your current situation.Are you living in a healthy and safeenvironment? Project five years out andbe honest with yourself as to yourhealth needs and safety. If you have aspouse, start a dialogue today. Take aride to various senior communities withyour family to see the many livingoptions available. You will be pleasant-ly surprised as to the comfort and livelyatmosphere offered by so many innova-tive communities.Connecting to others is the best free

medicine out there. Isolation is a lead-ing cause to depression and stress. Starttoday by letting your children know thatyouwant to be in charge of your life andwhere you will be in the coming years.Let them know that you are planningahead so that they are not left with theburden of finding your new home, sell-

ing your existing home and downsizinga life’s accumulation of treasures. Meetwith your financial consultants as towhat you can afford if you do decide tomove to a senior community or apart-ment. Take charge of your life today bymaking your own decisions for thefuture so that your children will not suf-fer the emotional and physical chal-lenges of crisis management.Bruce Nemovitz is a Senior Real

Estate Specialist, as well as CertifiedSenior Advisor in the four countyMilwaukee-Metro areas. He receivedthe 2010 “Realtor of theYear” from theGMAR Greater Milwaukee Associationof Realtors. He has been listed inMilwaukee Magazine’s 5-Star Agentslist and is rated A+ by the BetterBusiness Bureau. He works with hiswife, Jeanne, at Realty ExecutivesIntegrity. Please feel free to call Bruceor Jeanne with any real estate questionsyou may have at (262) 242-6177, oremail him at [email protected] can also go to their website atwww.brucesteam.com and view themany articles and important informa-tion related to moving and downsizing!

MOVING IN THERIGHT DIRECTIONBy Bruce Nemovitz

Don’t wait for crisis management!



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by: Tom Margenau

I am about to turn 66 yearsold. I was planning to waituntil age 70 to file for my

Social Security benefits because Iwanted to get the delayed retirementbonus youmention so often in your col-umn. But I found an article on the webthat encourages people like me to file atage 66 and then immediately suspendmy benefits. That way, if I change mymind before age 70, I can go back andget retroactive benefits until age 66.What do you know about this?

What I know is that youstill can teach an old dog newtricks. I read the online arti-

cle you referenced at MSN Money'swebsite. It provided a Social Securitybenefit tip that I had never thought of.Let me clarify that. The procedure

isn't new or unknown. It's called "fileand suspend." You file for your SocialSecurity benefits at age 66, and thenimmediately suspend those benefits.But the online article points out a clevernew reason to implement this tactic.One big reason for doing this is so

your spouse may claim Social Securitybenefits on your record while you delaybenefits until age 70. Here is an exam-ple.Sid is 66 and still working. His pro-

jected Social Security benefit is $2,200per month. His wife, Nancy, is 62. Shewas a stay-at-home mom who neverworked or paid Social Security taxes.Sid does not want to take SocialSecurity now because he plans to waituntil age 70 to have the delayed retire-ment credits (a 32 percent bonus forholding off on retirement collectionsuntil 70) added to his Social Securitypayment. However, the rules say Nancycannot collect spousal benefits fromSid's record until he has signed up forSocial Security himself.But the "file and suspend" rule

allows Sid to apply for Social Securityretirement at age 66. Then Nancywould file for wife's benefits on Sid'srecord. At age 62, she'd be due areduced rate of about 30 percent ofSid's benefit — or $660 per month.Next, Sid asks SSA to suspend his

benefits. But Nancy's would continue.

At age 70, Sid would request SSA to"unsuspend" his own benefits, and hewould begin to collect about $2,900 permonth in retirement benefits, includingthe delayed retirement creditsNancy’s rate would remain at the

$660 level. However, if Sid dies beforeshe does, Nancy would get $2,900 inmonthly widow's benefits because awidow is allowed to get her deceasedhusband's full benefit with the delayedretirement credits.The newly cited reason you should

consider filing and suspending yourSocial Security at age 66 is to protectyour eligibility for back benefits if yourcircumstances change before you reachage 70. For example, if serious healthissues afflict you in your late 60s, youmay decide to "unsuspend" your bene-fits and receive back pay benefits to age66. (Of course, you would no longer bedue the delayed retirement bonus.) Hadyou not filed and suspended yourSocial Security benefits at age 66, youwould not have been able to claim theretroactive benefits once you changedyour mind. However under this "fileand suspend" plan, if you remainhealthy you simply "unsuspend" yourbenefits at age 70, in order to be credit-ed with the full delayed retirementbonus.So almost everyone who plans to

wait until 70 to collect Social Securitybenefits should consider this "file andsuspend" strategy at age 66. The oneexception would be if you were plan-ning to collect spousal benefits betweenage 66 and 70. Here is a quick exampleof that strategy.Jack is 66 and is due $2,400 per

month from Social Security. His wife,Jill, is also 66 and is due $2,000 permonth in her own Social Security.While Jill applies for her SocialSecurity benefits, Jack, instead of filingfor his own Social Security, applies forhusband's benefits.Jack wouldn't want to employ the

"file and suspend" strategy at age 66because if he suspends his own bene-fits, he would also be required to sus-pend his husband's benefits on Jill'srecord.

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By Lee H. HamiltonThere are lots of ways in which

members of Congress differ from theAmerican people. They are wealthier,whiter and older. Proportionally moreof them are men, and far more arelawyers. All of these differences canaffect congressional deliberations, butnone matches another yawning gap thathas opened up between Congress andaverage Americans: Congress, unlikethe country at large, is noxiously parti-san.Yes, there are partisan divisions

among voters. But most Americanswant to see our challenges addressedpragmatically. They are not especiallyinterested in ideologically driven leg-islative maneuvering, and have almostno patience for political leaders who

zealously seek partisan advantage. Theywant politicians to find common ground— not dwell on their differences, pro-mote special interests or place partyloyalty ahead of national progress.Americans see the value in compro-mise, accommodation and civility.Congress, on the other hand, is filled

with people who barely talk to eachother, do their best to undermine theother side and seek partisan advantageat every turn. There are exceptions, butI’m always struck by news stories out-lining efforts to bridge the partisandivide — that these are news, ratherthan commonplace occurrences, high-lights the problem.How did Congress get to the point

where partisan polarization has becomethemost prominent feature ofAmericanpolitics? There’s no single reason.

The gerrymandering of congression-al districts certainly has hurt. Moreoften than not, people running forCongress do so in districts drawn tofavor one party or another. This meansthat if there’s a political threat, it’s frommembers of their own party. There isvery little reason for a candidate to con-sider the views of people across thepolitical spectrum or to move to thecenter. Instead, the candidate mustfocus on the small number of partisanactivists who dominate primaries.As New York Mayor Michael

Bloomberg points out, good transporta-tion hasn’t helped either. Instead ofgoing to restaurants together or going totheir kids’ birthday parties, members ofCongress leave Washington onThursday and spend as much time aspossible in their districts. They have fewopportunities to get to know one anoth-er.The partisan divide is also exacerbat-

ed by changes in the media. The 24-hour news cycle and instant analysishave forced politicians to take positionsbefore they really have time to thinkthem out. Social media, for its part, cre-ates a referendum virtually instantly onevery issue. Politicians need time tostudy and ponder issues; instead, it’s asif they face an election every day onevery issue before them.The result is that the sheer intensity

of our politics has been ramped up —with money, lobbyists, interest groups,reporters, bloggers and countless ordi-nary-citizen commentators adding tothe pressure politicians feel, raising thestakes and amplifying the feelings onevery issue.

Just as there’s no single cause forWashington’s out-of-control partisan-ship, there’s no single solution.We needto find ways of reducing the outsizedrole of money in politics, eliminatingthe partisan gerrymandering of districtsand opening up state primaries, so thatinterest groups and partisan activistshave a harder time dominating elec-tions. Congressional leaders need toexpand opportunities for members toget to know one another and their fami-lies, principally by paying attention tothe work schedule; it’s hard to get angryat someone you know well, much lessdemonize him or her.But perhaps the most important

effort would be to expand the electorate.Low turnout in our elections greatlyenhances the power of highly partisanvoters. More voters would force politi-cians to listen to a wider range of views.It would tilt the balance toward wheremost Americans are — somewherearound the middle.Too often, “debate” these days is just

the two parties’ talking points hammer-ing at each other in amean-spirited, stri-dent tone— not a genuine dialogue thatsearches for common ground and asolution to the problem. Changing thiswill require you and me to make it clearto our political friends that we do notlike divisive name-calling, constantlyattacking an opponent’s motivation orblatant partisan calculation. Let themknow that we all pay the price for exces-sive partisanship, and we’re tired of it.Lee Hamilton is Director of the

Center on Congress at IndianaUniversity. He was a member of theU.S. House of Representatives for 34years.

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It’s time to quell excessive partisanship


BY Doug MayberryRecently, at a gardening

club event in our retirementcommunity, I encountered aneighbor with whom I have

only had a casual relationship. I greet-ed her with, "Hello, it's nice to seeyou." She responded with an explosivepublic criticism of me, said she did notlike me and made other mean refer-ences. I was shocked, dumbfoundedand embarrassed.I do not know how other members

felt about her actions, but from theirexpressions, I felt I might have beenset up. The invitation list had been dis-tributed, so she was aware that I prob-ably would attend. Regardless of herreasons, I do not think she was muchof a lady by criticizing me publicly. Idid not respond and left shortly there-after. Did I do the right thing?

Yes. Getting firebombed,as you were, reflects moreon her than on you. No

doubt, others who learned of heractions would be critical of her. Heractions may well backfire.Now, regardless of her reasons, one

of the most effective ways to respondto her in the future is simply to ignoreher. Rising above her issues is the highroad, and getting into a catfight is sim-ply self-destructive.Obviously, she is angry — and she

may be in bad health, have an unhappyfamily life, feel jealous, have financialproblems, etc. Her negative attitude isher problem to solve. You own yourpower. Unfortunately for her, she haslost hers.

I am a widow in my mid-60s, am in fairly good healthand live alone in Iowa. Myson, who loves me, works on

the East Coast and worries about me.He calls me every weekend to ask howI am. Every time we talk, he encour-ages me to consider moving to a retire-ment facility where I could enjoy morecompanionship and better safety andhave someone to monitor my health.After 41 years in my home, watch-

ing the neighborhood children growup, sharing being a part of many fami-lies and receiving birthday cards, I amperfectly contented here. Neighborskeep a watch on me, stop by for chats,bring me cookies, drive me to churchand even purchase groceries when I donot feel up to it. Should I consider myson's wishes and consider moving?

Loving family membersare concerned about theirparents and are frustrated

and often feel guilty when they cannotbe on the scene to help.However, it appears that you are

functioning well and are at peacewhere you are. It is also wise tobecome aware of what your futureneeds might be. Continue to see yourdoctor and follow his recommenda-tions. Should you begin to notice achange in your health, call for anappointment. Give your doctor's nameand phone number to your son; he mayfeel less concerned if he talks withhim. Should you need help, there areoptions: a part-time helper, Meals onWheels, and regular participation atyour senior or church centers.Keeping active and busy is your

best medicine!Doug Mayberry makes the most of

life in a Southern California retirementcommunity. Contact him at [email protected].


Ignore the rudies

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Most people volunteer as a caregiv-er out of love and a sense of duty, butmany do it because they cannot affordthe high expense of professional care.The average annual cost of nursing-home care exceeds $77,000. More than65 millionAmericans— about one outof three adults — provide care forsomeone who is ill, disabled or aged.Although these caregivers are unpaid,the total value of their efforts is esti-mated at $450 billion annually —more than the value of paid homehealth care and more than the 2011retail sales of Wal-Mart, the world’slargest retailer.

The proportion of adult childrenproviding personal care and/or finan-cial assistance to a parent has morethan tripled over the past 15 years.Currently, a quarter of adult children,mainly baby boomers, provide thesetypes of care to a parent. Working andnon-working adult children are almostequally as likely to provide care to par-ents in need. Overall, caregiving sonsand daughters provide comparablecare in many respects, but daughtersare more likely to provide basic careand sons are more likely to providefinancial assistance.Unpaid informal caregiving,

although free, could still have a signif-

icant financial impact. Seven out of 10working caregivers reported havingjob difficulties, from changing theirschedules or turning down a promotionto taking unpaid leave or giving upwork entirely. The total estimatedaggregate lost wages, pension andSocial Security benefits of these care-givers of parents is nearly $3 trillion.For women the total individual amountof lost wages due to leaving the laborforce early and/or reduced hours ofwork because of caregiving responsi-bilities equals $142,693. The estimatedimpact of caregiving on lost SocialSecurity benefits is $131,351. A veryconservative estimated impact on pen-sions is approximately $50,000. Thus,in total, the cost impact of caregivingon the individual female caregiver interms of lost wages and SocialSecurity benefits equals $324,044.It is very easy to lose sight of your

financial needs when you are consider-

ing leaving the workplace to performthe rewarding but difficult task of pro-viding care. Before curtailing yourworking career, it will be crucial toassess the long-term financial impactof caregiving for your aging parents. In

addition to losing a paycheck, youcould also be missing out on years ofservice that are required in order tobecome vested in a defined benefitspension plan, to receive the company’smatching contribution in a 401(k) planor to build Social Security benefits.Continued employment enables you totake advantage of opportunities forsaving and accumulating compoundedreturns. Another consequence of leav-ing the workplace is the loss of currentskills and connections to a profession-al network that can make it harder tore-enter the workforce down the road.Of course, the financial burden is

only one aspect of the cost of caregiv-ing. Studies show that many caregiversalso suffer physical and emotionaleffects, especially back problems anddepression. The old expression,“Physician heal thyself,” may beappropriate. When you provide carefor someone else, it’s important to takecare of yourself.If you haven’t factored the cost of

long-term care into your retirementneeds, it may be wise to give it seriousconsideration. If you are caring for aloved one — or receiving care — asound financial strategy could helpalleviate some of the stress. So plan-ning is essential for you to be able to

get the care you might need. Yetdespite the obvious need, Long TermCare Insurance is often overlooked as acrucial planning tool. It's estimatedthat perhaps only about 10 percent ofthe over 70 million baby boomers

actually have a policy that will coverthe costs of long-term care. Withoutincorporating the potential need forlong-term care into a plan, individualsand families may unfortunately facethe need for long-term care without thenecessary tools, resources or knowl-edge. Hopefully a “caregiver” will stepforward and put their life on hold,which may be a lot to ask!Brad is available to discuss your

situation and help you consider youroptions, so feel free to call Brad withany financial planning and investmentquestions at (262) 649-9202, or emailhim at [email protected] information in this article is not

intended as tax or legal advice, and itmay not be relied on for the purpose ofavoiding any federal tax penalties. Youare encouraged to seek tax or legaladvice from an independent profes-sional advisor. The content is derivedfrom sources believed to be accurate.Neither the information presented norany opinion expressed constitutes asolicitation for the purchase or sale ofany security.


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PLANTINGTOMORROW’SDREAMS TODAYBy Brad Olson

The proportion of adult childrenproviding personal care and/or financialassistance to a parent has more than

tripled over the past 15 years.

If you haven’tfactored the costof long-term care

into your retirementneeds, it maybe wise to give

it seriousconsideration.

Costs of caregiving -Why long-term care planning is so important!


By Dr. David LipschitzAt every age, a trip to the dentist is

important. Having all your teeth pulledand wearing dentures and plates is nofun and most importantly, readily pre-ventable.Thanks to improved dental care, flu-

oride in water and more healthfullifestyles, dental cavities are less com-mon and many more Americans areable to keep their natural teeththroughout their lives.Sadly, 108 million Americans do

not have dental insurance, and thosecovered by public programs rarely getthe care they need. Federal lawrequires that every person eligible forMedicaid receive adequate dental care.

Because of a shortage of funds,states deliver dental care to fewer thanhalf of the children who are eligible forMedicaid, and statistics for publichealth programs for adults are evenworse. In Minnesota (the state with thebest record), 56 percent of children onMedicaid receive no dental care.It is not surprising that the Pew

Research Center reported a 16 percentincrease in emergency room visits fordental problems between 2006 and2009. In Florida in 2010, there were115,000 visits to the ER for dentalproblems at a cost of $88 million. Anddental care given in the ER usually isinadequate. A dentist does not seepatients and treatment is limited toantibiotics and pain medication.

Failure to pay attention to your teethand not understanding the importanceof flossing and brushing appropriatelysets the stage for lifelong tooth prob-lems. Poor dental hygiene leads to theproliferation of bacteria and the pro-duction of acids that eat away at toothenamel, leading to cavities.Simultaneously, a clear, sticky sub-

stance called plaque forms that is notonly harmful to teeth but also leads toirritation and infection of the gum andsevere periodontal disease. Cavitiescan be huge abscesses where severepain can occur, and because of gumdisease, teeth get loose and are easilylost.Needless to say, bad breath is a

common feature. And with advancingaging, increasing tooth decay leads todental abscesses, loss of teeth, the needfor dentures and, eventually, difficul-ties with chewing and swallowing ade-quate amounts of food. This, in turn,can contribute to weight loss, malnutri-tion and the increased risk of infec-tions.Of course, with bad teeth comes bad

gums. Infection of the gums leads toperiodontal disease that we used tobelieve caused problems that were lim-ited to the mouth — including pain,discomfort and a high risk of toothloss.Now we know that periodontal dis-

ease has far more serious effects.Inflammation causes an increased pro-duction of white blood cells and pro-teins that help fight infection.Unfortunately, this inflammatory

response has negative side effects.Molecules called cytokines enter thebloodstream, causing inflammation inarteries that can lead to the depositionof fats and cholesterol, increasing the

risk of heart attacks and strokes.

All of these problems can be avoid-ed by paying attention to your teeth.Visiting a dentist usually involves ini-tial treatment by a skilled dentalhygienist who evaluates your teeth,diligently removes plaque, and cleansyour teeth so that they sparkle.A careful evaluation to identify cav-

ities and education about how to main-tain healthy teeth and gums is a keypart of the visit. Until recently, manydentists recommended or performedannual bitewing X-rays to identify andtreat cavities that are otherwise unde-tectable.However, a recent study published

in the journal Cancer showed that den-tal X-rays increased the risk of abenign tumor of the brain called ameningioma by 40 percent to 90 per-cent.And the risk was particularly highfor children under the age of 10 whoreceived panoramic dental X-rays.A meningioma can cause headaches

and an array of neurological problems.Based on this report, the AmericanDental Association issued a statementrecommending that dentists shouldorder X-rays only when needed.While dental X-rays increase the

risk of meningioma, this should neverdeter anyone from regular dentalexaminations. Discuss the need for anX-ray with your dentist and agree onlyif the test will make a difference inyour care.Dr. David Lipschitz is the author of

the book "Breaking the Rules ofAging." To find out more about Dr.David Lipschitz visit the CreatorsSyndicate Web page at www.cre-ators.com.


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Dental care essential to maintaining health

Brushing to a Healthier YouWe all know that having a bright, white smile is great for your

looks, but did you also know that your oral health is connectedto your overall health? Recent research has found that peri-odontal disease, which causes sensitive and inflamed gums,indicates a risk factor for heart and lung disease, diabetes and anumber of other systemic diseases.

So it is important to take the necessary steps to ensure havingthe healthiest gums possible. Good oral hygiene is one of thebest methods of prevention. Start by brushing teeth at leasttwice a day and flossing daily.

To take your oral care routine even further, look for toothpastethat contains baking soda.

And using a toothpaste containing baking soda doesn’t justmean a healthier smile, it can mean a whiter smile, too. After all,baking soda is great at removing stains caused by coffee, tea,red wine or smoking.



Is a dental implant in your future?Dental implants are artificial toothroots used to support a restoration for amissing tooth or teeth, helping to stopor prevent jaw bone loss. People whohave lost teeth might feel too self-con-scious to smile or talk. Additionally,biting irregularities caused by toothloss can have a negative effect on eat-ing habits, leading to secondary healthproblems like malnutrition.By replacing missing tooth roots,

dental implants provide people withthe strength and stability required toeat all the foods they love, withoutstruggling to chew. Additionally, den-tal implants stimulate and maintainjaw bone, preventing bone loss andhelping to maintain facial features.Dental bridges, much like implants

and partial dentures, are used toreplace missing teeth. There are sever-al types of fixed dental bridges (cannotbe removed), including conventionalfixed bridges, cantilever bridges and

resin-bonded bridges.Once you and your dentist deter-

mine that a dental bridge is the bestreplacement for your missing tooth orteeth, you will be advised of differentmaterials that the dental laboratory canuse to make your restoration. Materialavailability will depend upon where inthe mouth the bridge will be placed,whether or not you grind or clenchyour teeth, your dental insurance cov-erage, and other factors outlined byyour dentist. Dental bridges today canbe fabricated from a combination ofporcelain and metal, porcelain andgold, or exclusively with high-strengthmetal-free materials such as zirconiaor alumina.Your dentist will take X-rays and

impressions of the area requiring abridge, as well as preoperative photo-graphs, for use in planning the idealbridge restoration for you. Dependingupon the number of consecutive teethyou are missing, your bridge could be

three or more units; two crowns thatare cemented to the teeth on either sideof the space (called abutments), plusone or more false teeth to fill the space.Additional impressions will be takenafter your dentist prepares the abut-ment teeth for the bridge.While your bridge is being fabricat-

ed, your dentist fits you with a tempo-rary bridge so the teeth and gums canbe protected from damage until yourpermanent bridge is ready.To complete the dental bridge pro-

cedure, you must return to the dentaloffice for a second visit to have thebridge fitted and cemented.After your dental bridge has been

cemented into place, your dentist willprovide you with hygiene informationto maintain the performance andlongevity of your restoration, alongwith the health of your teeth and gums.Dental bridges can range in price

from $700 to $1,500 per tooth basedon the aforementioned factors. If youexercise good dental hygiene, and visityour dentist for regular checkups, yourbridges can last for many years.

Implants, bridges are good solutions for lost teeth


BY Kristen CastilloSkype, Twitter, Google and

Photoshop -- you've probably heardthese terms, but you may not know alot about them."Seniors are beginning to get that

'left behind' feeling," says Jerry Taylorof SeniorTech, a company that offerspersonalized in-home computer les-sons for seniors and retirees. "Forexample, every day they watch aTV show which tells them, 'Formore information, go to www.some-thing.com.' They're frustrated becausethere's usually no phone numbergiven."

*Getting StartedWhether you're an avid computer

user or a novice, you can enhance yourtech skills.David Casuto, founder of Senior

Surf Computer Education, whichoffers private tutoring as well as com-puter classes for beginning, intermedi-ate and advanced learners, says his stu-dents are eager to learn, especially ingroups.

"From my experience, most seniorswant to be involved with others," heexplains. "It gives them motivation(and) accountability, and it's more fun.People are learning from others."Senior Surf even partners with a

local youth development group whereteens and seniors work alongside eachother sharing computer technology.In Jerry Taylor's one-on-one tutor-

ing sessions, most of his students are55 or older. Some are even in their 90s.No matter what the client's age, there'sone thing Taylor won't do."I never touch their keyboard or

mouse," he says. "I insist they doeverything -- no matter how long ittakes."

*Lessons ThatWorkMany senior centers, community

colleges and community groups offercomputer classes for seniors.SeniorNet is a computer resource forseniors that partners with computer"learning centers" throughout thecountry. Prices for many of these class-es range from $25 to $40 per student.

You can study many computer top-ics including email, blogging, graphicdesign, photo sharing, desktop pub-lishing, researching on the Web andfun with Internet games.With patience and a little know-

how, you'll be surfing theWeb, sharingphotos and getting social all with justthe click of a button!


Tech savvy Why now is a good time to improve your computer skills



By Marilynn PrestonThe nation's unfolding discussion

about the Affordable Care Act — andwhat it means to you and to me, yourmost personal trainer — won't goaway. It's too important to ignore andtoo complicated to fully explain, butit's worthwhile pursuing because, let'sface it, what's more important thanyour health and well-being?On the other hand, it's blistering hot

in many parts of the country. Crops aredying, and so, too, are some recre-ational athletes who don't understandthe risks of heat illness. When is it toohot to run, to bike, to walk or play ten-nis?What's a smart strategy for stayingactive while avoiding collapse?So I'm torn. What should I focus on

this week? How to exercise at 100degrees or the most important piece ofhealth care reform in 100 years?And then it struck me. The two are

mutually dependent on one simple butprofound idea: personal responsibility.If you want to prevent heat illness,you've got to be willing to learn andpractice some new behaviors. Thesame is true for your role in health carereform, but let's begin with the 3 C's—Coping with Climate Change:

— Don't exercise outdoors at thehottest time of the day. Switch to earlymorning or late afternoon. Or shiftyour workout indoors.— Never push yourself to the point

of dizziness, exhaustion or dehydra-tion. Be aware of how your body isresponding to high temps and respectthe signals it sends you.— Drink plenty of water but not so

much that you risk flash-flooding yoursystem, which can also create a break-down.This is what preventing heat illness

looks like. It's up to you to take it onboard and practice the basics of self-care — avoiding doctors, drugs andemergency room visits.Personal responsibility also figures

in when it comes to the AffordableCare Act, in a few crucial ways. Forstarters, when Gov. Mitt Romney wasexplaining to the citizens ofMassachusetts why it was fair andgood to require everyone in the state tosign up for medical insurance, heinvoked the "Personal ResponsibilityPrinciple" as the reason.Health care is something we all use,

he argued, so we should all be respon-sible for sharing in the costs— by buy-ing insurance — and not expecting a

free ride. In Romney's state, insurancecompanies adjusted to the mandate byoffering a wider choice of lower-costpolicies, and there were subsidies, too.Now 98 percent of the people inMassachusetts are insured, and by allaccounts, it's working very well.The Personal Responsibility

Principle can't stop at citizens buyinginsurance. If health care reform is tohappen in the best possible way, per-sonal responsibility needs to overridegreed and ignorance throughout thesystem.Primary-care doctors, for example,

have to do more than push pills and fillhospital beds. They have to takeresponsibility for keeping people well,by focusing their patients on smart eat-ing, regular exercise and stress reduc-tion. Since most of them don't have thetime or expertise to guide you toward ahealthier lifestyle, in the new systemthey will need to do the responsiblething and hand you over to a commu-nity health care specialist, wellnesscoach, nurse-practitioner or physi-cian's assistant — all new job growthcategories.

You know who'll be losing theirjobs under the Affordable Care Act?The people at insurance companieswho used to deny your claims becauseof "pre-existing conditions." (Being awoman is my personal favorite.) Thatcan't happen to kids anymore, thanksto health care reform. And starting in2014, it can't happen to any of us. Thepresident needs to take responsibilityfor that, over and over.And you, dear reader, will need to

take personal responsibility, too, if wewant this historic shift to a more effec-tive and humane system to succeed.Stop asking your doctor if a drug

you see advertised on TV "is right foryou." Instead, conspire with yourhealth team to take fewer drugs, basedon the healthier choices you make.Exercise more. Eat real food, in rea-sonable portions. Learn to cook andenjoy simple, healthy meals. Meditatedaily. Make sure your kids eat well andplay often. And liberate yourself bylearning to embrace change, not fear it.Marilynn Preston — fitness expert,

well-being coach and speaker onhealthy lifestyle issues — is the creatorof Energy Express, the longest-runningsyndicated fitness column in the coun-try.

Hot topics! The secret link between heat illness and health reform


By Dr. David LipschitzIn nine months, I turn 70. I often ask

myself, why am I so healthy? I feel sofull of energy and able to do as much asor more than I did at age 40. My secret,I believe, is that I mostly eat right. I amoverweight but not obese — no matterhow hard I try, this is the best I amgoing to do — and I walk my dogbriskly seven days a week for about 30minutes.I am very hopeful about the future

and the plenty of opportunities availableto make work and days interesting andexciting, with the sense that I can con-tinue to make a difference. I will neverretire.Most importantly, I give love and

respect to and receive it from the manyindividuals I work with daily and forwhom I have great affection. I strive tobe successful as a physician by gen-uinely and truly loving my patients. Iwork particularly hard on those who arethe most difficult to love — the oneswho never get better, question yourevery suggestion, are often rude andusually frustrated. These are the patientswho are doctor shoppers and more thananyone else need someone who willnever give up on them.

No question, love is the key to hap-piness, health and longevity. It exists inmany forms: in our faith, the love wehave for our patients, students, workersand friends. Love is a powerful healthtonic. And an important new studyshows if you want to live long and livewell, do not be a curmudgeon.People who are kind, loving, consid-

erate, laugh a lot and are friendly toeveryone are twice as likely to make itto the ripe old age of 100. Do not bottleup your feelings and if possible, do notspeak ill of others.These personality traits may well be

genetic — the most powerful predictorof living to 100 is the ages at whichyour parents died. Being sweet, kind,good and living long may all be giftsinherited from your parents. But if youare difficult to get along with, seek helpand try to change.Your life will be bet-ter and may be longer.Love people, love life, love your

work, be a kind and good person andlongevity is all but assured. But peoplewith all these wonderful attributes canlose much and become lonely.And newresearch in the Archives of InternalMedicine documents the powerful neg-ative effects of loneliness.

For example, in a study of 45,000people who had a heart attack, patientswho lived alone were 24 percent morelikely to die during a four-year follow-up period than those who lived with aspouse or a roommate.But living alone does not mean that

you are lonely. Many people are per-fectly content to be by themselves, lovetheir own company and cope well.However, those individuals who report-ed that they were lonely were 46 per-cent more likely to die than those whodid not say they were lonely. Lonelypeople are far more likely to bedepressed, be sedentary, eat poorly andhave poor health habits such as smok-ing or drinking. It is not surprising,therefore, that life expectancy isreduced.

Any man in a long-standing, lovingand intimate relationship has a 50 per-cent chance of living 10 years longerthan a man living alone.Women benefitfrom such a relationship as well, butonly by three years. Married men aremore likely to have medical checkups,wear a seat belt, drink in moderation, becompliant with medications, eat rightand exercise.Studies also indicate that the happier

the marriage, the more quickly the wid-ower remarries. By contrast, manywomen state that they were married tothe best partner and no other man couldever match up.My advice, however, is to remember

that as we grow older, lonelinessbecomes a threat and companionship,or sometimes more, is definitely a tonicfor a longer and better life.


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It was Leo Durocher who came upwith the now famous maxim, “Niceguys finish last.” Durocher obviouslynever met someone like George Miley.Now 78, George is one of those rare

individuals who looks and performsfar younger than their age would indi-cate. And to top it off, he’s a very like-able guy. He didn’t compete in base-ball, as did Durocher, but he’s been awinner in many areas of his life. Oneof them is the sport of golf, where hehas been an active member of theWisconsin State Golf Association(WSGA) and North Hills CountryClub, for many years, and has won anumber of prestigious tournaments.Another is in the business world, sell-ing life insurance. Despite absolutelyno experience in either sales or insur-ance, he has become a leader in thefield. He has a total of 38 years on theMillion Dollar Roundtable, a levelmost life insurance agents don’t reacheven once.And still another, this one intandem with his loving wife, Barb,where they have raised a mostadmirable family.There’s a definite connection

between the first, the sport of golf, andthe third, the family. George and Barbhave five children, Lori, Lisa, Linda,David and Sara (now between the ages41 and 55, and with children of theirown). Three of these children chose to

take up golf and have done exception-ally well, to say the least. Dave andSara, the two youngest of the group,were so outstanding as teenagers thatthey were featured in Sports IllustratedMagazine and many other publica-tions. Dave became such a dominant

golfer that he eventually turned profes-sional and competed on the Pro Tour.He recently was inducted into theWSGA Golf Hall of Fame. Over theyears, both Dave and Sara have wonmore golf tournaments than their dad,which, of course, delights him.The other daughters, Lori, Lisa and

Linda, had other interests and goals inlife other than golf, George explained.“What happened with Lori was sort ofamusing. She always made fun of thegame. Then, after she and Jim (Wood)were married and she was already inher mid 30s, she changed her mind anddecided to give it a try. She and Jimjoined the Legends of BrandybrookGolf Club in Wales near their home.”He paused and chuckled. “And a cou-ple of years ago, she won theWomen’sClub Championship there.”George emphasized, however, that

having golfing ability and skill hasnothing to do with the love he andBarb have for their children and grand-

children. “We care for them equally,whether they can hit a golf ball well ornot,” he said.“And we are proud of all of them,

too,” Barb added. “You should see thisplace when all of them and their kidscome to visit at Christmas with 20

adults, 11 grandkids and us. It’s a mad-house. It’s lucky we have a good sizedplace.” George and Barb have a beau-tiful home overlooking the 5th fairwayat North Hills Country Club.Lori undoubtedly inherited that

ability to succeed at golf despite a latestart from George. “I grew up on adairy farm near Sheboygan,” he said.“As a kid there were far too many jobsand things to take care of to even thinkabout golf or any other sport,” herecalled. He didn’t touch a golf club atall in high school or through four yearsof college at UW-Oshkosh.“After my graduation there, I went

into the Marine Corps,” Miley said,“and was stationed at a base out inCalifornia. One day, when we hadsome off-time, one of my buddiesasked if I’d like to go golfing with him.I told him that not only didn’t I haveany clubs, I didn’t know how to hit oneeither. He said it didn’t matter; hefound some old clubs for me to use,and away we went. Well, I’ll tell you, Ihad a terrific time. I fell in love withthe game right then and there.” He was23 years old at that time.In the game of golf, it’s unusual for

anyone who takes it up after becomingan adult, to really become any good inthe game.Your muscles get set in theirways, and it’s very difficult to retrainthem. That didn’t seem to affectGeorge, who took to the game like anatural. His daughter, Lori, eventuallydid the same as her dad.“Besides the golf bit, a second turn-

ing point so to speak occurred during

my Marine days,” George said.“Another pal out there had been aninsurance agent for New York Lifebefore his service days. Just before ourdischarge, he asked me what I plannedto do when I returned to Wisconsin. Ireplied that I hadn’t really thoughtabout it. He said he thought I’d make agood insurance salesman, and saidhe’d ask someone from the New YorkLife office to get in touch with me.And that’s how it all began.”George returned home to his wife,

Barb. Although they had been marriedfor more than two years, the amount oftime they had been together as hus-band and wife were only a few days.“Barb and I met while we were stu-dents at UW-Oshkosh,” George said.My graduation, our marriage and myinduction into the Marines all tookplace in less than a week.”George became successful at selling

life insurance, as those 38 straight mil-lion-dollar roundtable honors prove.“But it was not an easy task,” herecalled. “A life insurance salesmanusually targets his family, his friendsand neighbors first, who have some-what of a reason to be receptive. Thenafter that, it gets much tougher.” It’susually at that point that most younglife insurance salesmen decide to getinto a less demanding profession.Nevertheless, George did succeed andwas eventually to join North HillsCountry Club, and, a decade or solater, purchase that lovely home next tothe course.

George Miley and family; golf and a whole lot more18A • 50PLUS • AUGUST 2012

George and Barb Miley. It’s been a long and happy time since the twomet as students at UW-Oshkosh.

By Jack PearsonSports PlusSPORTSBy Jack Pearson

SPORTS

Dave Miley, with three of his four children, Reagan, McKenzie and Kate.(Not pictured, son George II.)

MILEY cont. on page 21A



Being a member of a great golfingestablishment such as North Hills andliving right next to the course obvious-ly were the causative factors in Daveand Sara’s becoming top golfers. Bothgive most of the credit for their successto the golf instruction staff at NorthHills, especially Dave Rasmussen, JimMorrison and Tom Strong (Strong laterbecame the Director of the GreaterMilwaukee Open). Because of theirearly golfing achievements, both Daveand Sara earned full scholarships forcollege, Dave to the University ofMississippi, Sara to the University ofGeorgia.The Sports Illustrated article about

Dave and Sara appeared in 1989 whenthey were 23 and 18, respectively. Thestory noted that they were the firstbrother and sister in the entire UnitedStates to win their state’s Men’sand Women’s Amateur GolfChampionships in the same year. Davewon the State Amateur at OzaukeeCountry Club in Mequon, defeatingAlex Antonio; Sara won her crown at

Nakoma Golf Course in Madison bydefeating Cathy Jo Johnson.In addition to the WSGA State

Amateur Title in ‘89, Dave also wontheWisconsin State Open in 1994, andfour consecutive Milwaukee DistrictMatch Play Titles from ‘86 to ‘89.Sara was also the 1987 Wisconsin

Junior Girl’s Player of the Year, thesame season in which she won theWWSGA Junior Girl’s Championship.She won that tourney again the nextyear. She repeated as the WWSGAState Amateur Girl’s Champion in1992 and was the runner-up in ‘93. Incollege at Georgia, she was the 1992Southeastern Conference Championand was a member of the Georgia teamthat won the conference championshiptwice.You may have seen Gary

D’Amato’s article in the MilwaukeeJournal recently concerning Dave’sinduction into the WSGA Hall ofFame. As a junior and amateur golferin Wisconsin, D’Amato wrote, Davewas among one of the most outstand-ing group of golfers ever to come out

of the state, including Steve Stricker,Jerry Kelly, J.P. Hayes and SkipKendall. “Not only did Miley hold hisown with that impressive group (nowall on the PGA pro tour), he was thebest ball striker of the bunch,”D’Amato said. “As a pro,” he added,“Miley wasn’t as successful as theother four. He regained his amateurstatus in 1999, and still today, at 45,maintains a scratch handicap at hisclub course in Tulsa, Oklahoma, wherehe and his family now reside.”Although neither George or Barb

take any credit for the success of theirgolfing children, they both havealways offered all the support theycould and attended, -- even when thetwo were away in college down south --as many of their golf matches as waspossible.Ask George about his golf game

and all you’ll get out of him is some-thing like, “I like to whack it around.”But George has performed far betterthan his casual comments would indi-cate. Check out the listing of all theWSGA Amateur Senior Championssince that tournament began in 1926,and when you come to the year 1994,you’ll read, “George Miley,Champion.” There were some verygoodWisconsin senior golfers compet-ing then who George had to beat out,such as Archie Dadian and DickSucher.He also won the Club

Championship at North Hills threetimes, in 1997, 2000 and 2003. In1997, George was 63 years old; in2003, he would have been nearing 70.During those championships, Georgewas competing against golfers half andeven a third of his age.

He and David also won the WSGAPater Filius (father-son) Championshipin 1989, and he and Sara have wonthe WSGA Father-DaughterChampionship three times.That’s pretty good for a dairy

farmer’s son who didn’t hit a golf balluntil he had passed his 23rd birthday,wouldn’t you say? And in addition tohis play on the course, he’s also on theWSGA Board of Directors, is a mem-ber of the organization’s HandicapCommittee and has served on theBoard of Directors and as a VicePresident at North Hills.Consider all of the above. George is

not far from 80, an age when most menare not only fully retired, they’re sittingaround taking life easy. But George isstill a competitive golfer at North Hills.In fact, he and his longtime pal GeneHaas (former Executive Director of theWSGA), were recently preparing tocompete in the annually WSGA SuperSenior Best Ball Tournament, this yearat North Hills.“George has never been a spectacu-

lar, long ball hitter,” Haas said. “Hisstrength is in his short game, and he’sbetter at that than anyone I’ve everseen. He’s also steady as a rock.Everyone wants him as a partner.”George should have probably

retired from his full-time job long ago,but he still goes to the office Mondaythrough Friday, all year long. He’s alsostill active on the Board of theWSGA.He’s a loving, faithful husband, and

an equally loving, faithful father andgrandpop. And last but not least, hereally is a nice guy.Durocher didn’t know what he was

talking about.

The Miley bunch, George and Barb’s five children, all now parents them-selves. From the left, Linda (Hext), Sara (Dwyer), Lisa (Anthony), Dave and

Lori (Wood).

MILEY cont. from page 18A


Henry says that it is now an elec-tronic world. He has difficultyattempting to comprehend how peo-ple as close to us as two generationsago got along as well as they did. Justlook at the advances today. Could youimagine, among other things, not hav-ing a refrigerator or even electriclights? The next thing I thought Henrywould tell me is about how manyfewer people do skilled work at thefactory. The digital age hasn’t passedthe machinists by either. He says justsetting up one of the big machines todo a simple task could have taken anhour via trial and error. Today, whenjob requirements change, a few but-tons are pressed and, as Henry says,we’re back to action.

I do guess it is time that I get myapron on, velcroed into place as here Icome with a few dozen or so words; Iwould hope of wisdom, but I just donot always promise this.Summer seems to be flying by. We

have learned from our elders that asage creeps up on us, we must shift ourgears to keep up with it. It would be

so easy to do nothing but sit around,watch television, pet the pooch andoccasionally, well, perhaps more thanoccasionally, converse a bit with myneighbors. It is kind of fun when I talkwith Rita. Each of us is sitting next toa window and we can watch eachother as we talk. It is too bad that nei-ther of us knows sign language as wecould easily communicate in thatmanner.Rita and I almost got in over our

heads yesterday. The conversationstill puzzles me somewhat. We weretalking about God, science and theuniverse. I recently read about andtold Rita how scientists suspect thatthere is at least a quarter of our uni-verse that we humans don’t evenknow about. They refer to it as thedark side. We only know about it dueto gravitational lensing or the bendingof light around the big dark chunks orclumps. I read that some scientistshave spent numerous years just look-ing at this, a side of life that is outthere, but that we really know nothingabout. The writer said that whereverthere was a peak in this dark matterthat there was formed a galaxy. Whowould ever believe there are morethan 90 million galaxies? How havethey all been counted?Rita and I like to discuss things like

this that Annie, Giselle and the othergirls just pooh-pooh, saying, in a way,that we have learned enough justbeing here on earth.Now, I am a God believing person

and so is Rita. Annie does go tochurch on Sundays. I suspect shewants to look around and also to beseen. Why I noticed once that sheeven passed the collection plate quitehurriedly past her. God forgive me foreven watching her do this. Doestelling you that we are good givershurt my humility?I know we at times have suspicions

about God. Is there really a Big Guyout there somewhere? But if we’reChristians, we do believe this. In fact,if you think about it, we are calledChristians because we follow theteachings of Jesus Christ, whom werecognize as the Son of God.This God, the Father has had to be

there, everywhere forever. Just try toexplain that even when talking toother Christians. He is, He was, andHe will be forever. It is a belief thatwe must hold onto. How can we thinkthere is no God? Who created every-

thing and why did He do it if He is notthe Supreme Being? The “Why” isn’tanswered. Was He just foolingaround?And who ever named Heavenas Heaven?Some modern scientists still claim

there was a big bang and suddenlyearth, the skies and the oceans wereformed. But who created the bigbang? As Rita asks, “How did a rockeven become a rock, except throughsomeone forming it?”I do look at God as being God, but

this is more than I can comprehend.How can there be three persons in oneGod? This is Annie’s perennial ques-tion. If you know this answer, I knowmany millions of people would likeyou to share it with them.I know that I am in over my head

and I am swimming for a safe haven.That’s what I am doing in life. If youhave found that safe haven, God blessyou. But where’s your humility?Henry and I now are very close to

retirement age and after that we mayhave a few more years before we’repushing up daisies and not pickingthem. Yes, the good earth will behome to our bodies. Our time is verybrief on this earth, especially whenyou think of some people claiming itis many million years old. But there’sthis eternal life thing, this paradise.Hey, I am looking forward to that. Wehave the faith and the hope andbelieve we are charitable. Was it Godwho first said do onto others as youwould have them do onto you?Let me close this month with a

story. A group of non-Christiansarrived at the pearly gates (that’s whatbrand of people we’re told they were,but very good people in their ownrights and beliefs) St. Peter, the gatecaretaker, took them across Heavenand as they were still on their way totheir eternal home, St. Peter said, “Bequiet here. This is the Christian neigh-borhood of heavenly people. Theybelieve they are the only ones up hereand we’re always quiet when nearhere as we don’t wish to disappointthem.I guess those tenets of faith, hope

and charity qualify for people of allbeliefs as long as they practice whatthey preach.Please ask Henry to help me down

from my soapbox. It is almost time toprepare dinner.


APRONSTRINGS

By Aunt Emma

Emma

Emma hopes people practice what they preach



Check us outonline at

MYMILWAUKEELIFE.COM

mately 82,000 children attending 165schools.Dr. Thornton, who was appointed

superintendent of Milwaukee PublicSchools in 2010, cites several reasonswhy he looks forward to the start ofthe 2012/2013 session. One is the newHoward Avenue Montessori Schoolthat will welcome K3 and K4 studentsin September. The nearest MPSMontessori school, Fernwood in BayView, has a wait list of 110 three-year-olds and 29 four-year-olds, sothe new school responds to what par-ents have been asking for, Dr.Thornton says. “There has been lotsof parental interest,” he notes, “andit’s a top-notch program.”

Montessori education methodsfocus on learning at an individualizedpace on one’s own or in small groups;in the multi-age classrooms, childrenlearn concepts by working with spe-cialized materials with guidance fromteachers trained in this approach.MPS reports that nearly every studentin the district’s four oldest Montessoriprograms exceeds the MPS averageon test scores and more than one-thirdexceed the state average. AtFernwood, which serves K3 through8th grade, 89 percent of students are

proficient or better in reading, com-pared to 82 percent statewide, and 85percent of students are proficient orbetter in math, compared to 78 per-cent statewide.Also for the new school year, MPS

is giving five schools (Garland, HayesBilingual, MacDowell Montessoriand the Wisconsin Conservatory ofLifelong Learning) room to grow bymoving them to new buildings, andGolda Meir is making preparations toadd high school grades starting in fall2013. The changes meet MPS’sobjectives to grow and replicate thoseschools that are attracting familiesand are moving students forwardquickly, getting them college-readyand work-ready, Dr. Thorntonexplained.Parents are a big focus for the com-

ing year. “We are bringing the centraloffice to the parents by opening fiveparent centers throughout the commu-nity,” he notes. Social media, includ-ing Twitter and Facebook, help thesuperintendent connect with parents.“I can have conversations now I was-n’t able to have before. It has helpedwith getting a feel for the challengesparents face,” he says. In addition, heregularly updates his blog on the MPSwebsite, including responses to ques-tions posted through the superinten-dent’s “Ask Me” section. “We want tosupport families in better ways,” Dr.Thornton says.Although he describes the district

as an exciting place today with posi-tive changes taking place, he adds,“We’re a challenged school district –more than 80 percent of students livein poverty. And, to be candid, we’renot moving as fast as I want.”

Teacher was his role modelGrowing up in Philadelphia, Dr.

Thornton says, “I was blessed with agreat family, school and church life.My parents wanted me to go to col-lege because they didn’t go.”His fifth-grade teacher was an

especially strong influence. “He wassmart, witty and ahead of his time inhis thinking,” Dr. Thornton recalls.“He taught me to think creatively—to think about why something was theanswer. Teachers like that stretch yourthinking.” Dr. Thornton said havinginspiring teachers in his youth led todeciding to become an educator. “It’sthe best profession of all,” hebelieves.He received a Bachelor of Science

degree in elementary education atTemple University in Philadelphia,

and a Master of Arts degree in admin-istration/supervision at SalisburyState University in Maryland. Heearned his doctorate in educationalleadership at Nova SoutheasternUniversity in Florida.If asked to write an essay about

what he did on his summer vacation,Dr. Thornton’s would be titled, “WhatI Did on my Autumn Vacation.” Heprefers to vacation in October, afterspending the summer making sure thefirst day of school will go as smooth-ly as possible. He and his wife espe-cially look forward to trips toPhiladelphia to visit their two sonsand granddaughter.

Noting progressIn May, when “U.S. News and

World Report” listed three MPSschools as Wisconsin’s top highschools, Dr. Thornton says, “It was abig day for us.” Rufus KingInternational School came in at No. 1,Ronald Reagan College PreparatoryHigh School was No. 2 andMilwaukee School of Languages wasNo. 7; King and Reagan were rankedamong the 200 best in the country.“To me, that says that things are start-ing to work,” Dr. Thornton adds.According to MPS, math proficien-

cy as a district is up 10 points over thelast six years. The 2011 graduationrate was 17 percentage points higherthan it was for the class of 2000. Also,with 5,500 middle and high schoolstudents involved, MPS has thenation’s largest concentration of stu-dents connected to Project Lead theWay, a program helping studentslearn science, technology, engineer-ing and math. And the district recent-ly implemented a ComprehensiveLiteracy Plan and ComprehensiveMath/Science Plan for more cohesiveinstruction across MPS.Especially notable for the upcom-

ing school year, Dr. Thornton saidthat there have been zero teacher lay-offs while still “right-sizing our budg-et.” Forming partnerships with busi-nesses has been one way to help man-

age the budget. In January 2011, MPSwas awarded a five-year, $20 milliongrant from the GE Foundation for ini-tiatives designed to improve academ-ic achievement and better prepare stu-dents for college and career opportu-nities.Also, Dr. Thornton said another

partnership with GE would mean 10MPS schools would become nationaldemonstration schools regarding theCommon Core Initiative. TheCommon Core State Standards,which Wisconsin adopted along witha majority of states, are meant to pro-vide a consistent framework for whatstudents are expected to learn, replac-ing the various state-specific stan-dards.Many businesses, from large cor-

porations to mom-and-pop stores andrestaurants, contribute to MPS bysharing their time, funds and talents,even bringing in free pizzas on aFriday for the students. The commu-nity involvement “lets kids know theyare appreciated,” Dr. Thornton says.“Life is tough for some of these kids.Every child needs at least one caringadult, someone to give words ofencouragement. Many have that, butsome don’t.”To foster that needed support and

encouragement, several hundred vol-unteer tutors have been working withstudents, Dr. Thornton notes, citingthe effectiveness of the InterfaithOlder Adult RSVP tutor program.“We’ll be expanding this and we’relooking for more volunteers,” he adds.The community’s support for

Milwaukee’s kids is crucial for theirsuccess, stresses Dr. Thornton. “Thereis nothing more important than invest-ing in our children—they are tomor-row’s workforce and our future.”

THORNTON from page 1A

That’s why the firstday of school is themost exciting day ofthe year,“right up

there withChristmas,”he says.“I remember my

first days of schooland the excitementis still present today

in the youngpeople. The

community comestogether, they linethe sidewalks tocheer for the kids,and we have our

annual bell ringing.It’s a good time.”

The community involvement “lets kids knowthey are appreciated,”Dr. Thornton says.“Lifeis tough for some of these kids. Every childneeds at least one caring adult, someone togive words of encouragement.Many have

that, but some don’t.”


by: Charlyn Fargo

If you are diabetic or pre-diabetic,one of the best things you can do tolower blood sugars is to sign up for astructured exercise class like aerobicsor resistance training. That's the find-ing of a new study published in theJournal of the American MedicalAssociation. The study found aerobicsor resistance training was associatedwith a greater reduction inHemoglobin A1C levels for patientswith diabetes compared with patientsin a control group, and longer weekly

exercise duration was associated with agreater decrease in those levels.We've always known that exercise

plays a role in reduced blood sugars,but this study defined just how longthat exercise needs to be. Theresearchers, associated with theHospital de Clinicas de PortoAlegre inBrazil, found that structured exercisefor more than 150 minutes per weekreduced Hemoglobin A1C levels by.89 percent compared to .36 percentless for under 150 minutes.Researchers looked at previously con-

ducted trials of at least 12 weeks for8,538 people.The 150-minute guideline follows

the current guideline recommenda-tions of 150 minutes per week.When dietary advice was combined

with the physical activity, hemoglobinA1C decreased .58 percent comparedwith a control group. Combining gooddietary habits and structured exerciseclasses can ensure good blood sugarcontrol — American MedicalAssociation.

Q andAAre there tricks to

make it easier to starteating smaller portionsat home where there is

plenty of food?

A:Yes. Experiment withsome of these ways peoplehave learned to eat moreappropriate portions, and

see what might work best for you. Ifyou control how much food is pre-pared and find that there is alwaysmore than is really needed, try cuttingback on the amount you fix, especiallyon the foods you are trying to limit. Ifyou don't want extras to take for lunch

or freeze for a future meal, you'll savemoney and face less temptation. If youcurrently put serving bowls on thetable, consider keeping food off thetable so you have to get up to get anysecond portions. Simply not having abowl of food right in front of your eyesand the need to make an extra effort toget more are often enough to help youreconsider.Try starting off with portions about

10 percent to 25 percent smaller thanusual. Studies suggest that we are oftensatisfied with less than we think weneed. Some people find it easier to takesmaller portions if they use a slightlysmaller plate. Others find that if theyfill their plates with a large portion ofvegetables or salad, it makes it easierto take smaller portions of everythingelse. Allow for the possibility of goingback for seconds if you are really hun-gry, but if you wait just a few minutesin between, you may be surprised athow often that perceived need for morepasses quickly away. Many people alsonote that when they eat more slowlyand focus on really tasting their food,they are satisfied with smalleramounts. — American Institute forCancer Research.


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The Shorewood SeniorResource Center will sponsor athree week series for caregivers,“Understanding Dementia: AnEducational Program for FamilyCaregivers.” The three sessions willbe given on Wednesdays August 1,8 and 15 from 5:30 – 7:30 p.m. atthe Resource Center, located on theground floor of the ShorewoodLibrary.At Session I, there will be infor-

mation on the warning signs ofdementia, the difference betweendementia and Alzheimer’s disease,and treatment options and progres-sion.Session II will deal with steps to

maximize function and strategies tooptimize communication and inter-actions.

Session III will focus on under-standing challenging or difficultbehaviors and strategies for behav-ior management.The presentations are free, but

pre-registration is required.Supervisory respite for your lovedone may be available. Those inter-ested should ask about it when theycall to register. Fourteen daysnotice will be needed for this serv-ice.To register, call Elizabeth Price,

Coordinator of the ShorewoodSenior Resource Center, at (414)847-2727.

Three week seriesfor caregivers

Aerobics may help to lower blood sugar

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With July past, will happy carefree August days be here again?Recent ugly weather could be dumped into the year’s waste bin.We do look ahead for a comfortable time in these 31 days.Yes, there will be fading of hot summer’s sunny rays.State fair just ahead will provide times quite exciting.There will not be any old dogs ready to growl or biting.There is absolutely no reason for people to be mean or snarl.Country boys at the fair will be happy, even neighbor CarlFair barns are overflowing with prize seeking livestock.Tending to the animals are young people steady as a rock.While at State Fair, be certain to have a whipped cream treat.Delicious and nutritious, the various flavors just can’t be beat.But be careful of overeating, it may cause enlargement of seat.On midways, we always liked merry-go-round and ferris wheel.Tilt-A-Whirl too often did make young girls shout and squeal.Following the fair, there still will be events at the lake.But if sitting too long in the sand, you might begin to bake.Schools right now are being dusted off and readied for fall.Kid will gravitate there from hither, yon and busy mall.

Sweet corn now is king of the field crops for eating.Warm and moist at picking, juicy corn still does need heating.So August will linger as the kids’ fun and games times last.Don’t pass up the chance. This month enjoy a real blast.The summer vacation times too soon will be past.

August Poem

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PACKET PRICES ARE: Level 1 - $12, Level 2 - $27, Level 3 - $42. Extra side packs, 3 on 14 up: Level 1 - $6, Level 2 - $10, Level 3 - $15.

GALAXIE BINGO: Every Friday night at 10:30 pm. $10 admission packets. Ages 18 and over welcome!

TWIN WIN TUESDAY: For each winner on the regular games, we will draw a number to find that winners “twin” in the crowd. That “twin” will win thesame amount as the winner. Regular games will pay $300. Admission pack is $22 with $11 extra packs.

TWIN WIN STIMULUS PACKAGE: August 21st. All packs on this Twin Win Tuesday will be $11 and considered Admission Packs. With each admissionpack, you will receive a door prize card along with extra chances to be the Twin Winner!

BIRTHDAY DRAWING: When you play bingo on your birthday at Ho-Chunk Bingo you’ll receive a drawing ticket. On the first day of the next month we’lldraw 3 winners. Each winner will receive $250. Must be present to win. Must be a Ho-Chunk B ingo Players Club Member. Limit one per person. July birthday drawings, August 1.

IS IT YOUR BIRTHDAY? Receive $10 off your packet ON your birthday. Applicable to level 2 or 3 only. Use your birthdate as an extra freespace on yourbirthday (paper only). If your birthday is on a day we are closed or a bash day, you may receive your discount the day before OR after (not both). Limit onebirthday discount per person.

WEEKLY DRAWINGS: Every Thursday five winners wil receive $100 in cash. You must be present to win. All eligible tickets must be in the drawing bin theday before the drawings. Limit one per person. Walk-ins are not allowed for Night Owls.

SENIOR DISCOUNT: Seniors 55 and older receive $10 OFF their first pack. Applicable to Level 2 or 3 only. Limit one discount per person. Must show I.D.

MONDAYS: Closed

TUESDAYS: Twin Win Tuesday. Stimulus Package $11, August 21st.

WEDNESDAYS: 1/2 price night, applicable to Level 2 or 3 ONLY. July Birthday drawings, August 1st.

THURSDAYS: Regular Session with senior discount. Applicable to level 2 or 3 only. Weekly drawings.

FRIDAYS: 6 pm BOGO, regular session. 10:30 pm Galaxie Bingo.

SATURDAYS: Regular sessions are August 4th & 18th and 1/2 price nights are August 11th & 25th, applicable to Level 2 or 3 ONLY.

SUNDAYS: Double Pay Sundays, August 5th & 19th (on regular games only). Regular Session on August 12th & 26th.

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For More Information Call 800-748-2486 ext. 2000 We now accept promotional certificates on WEDs & FRIs. Special rules doapply on certificates for these nights. Please see flyer at Admission Booth. Change will not be given for any unused amount. Onediscount per person per night. Discounts cannot be used in multiples. Bingo calendar and game program may be changed withoutnotice. Employees of the Ho-Chunk nation gaming facilities are not eligible for any promotional specials. CASH ONLY


By Jack PearsonMan’s best friend, according to the

maxim, is his faithful and devoted dog.There can be warmth and affectionamong humans and other animals suchas cats and horses, too. But for IleneBolle of Milwaukee, her best friendand constant companion, a little fellowwhom she loves and is loved by, is awitty, beautifully colored parrot whosename is Ricco.And Ricco talks. He talked to me.

He has a cackling, joyful laugh andspeaks quite clearly.But back to the beginning, when we

met.My wife, Margaret, and I had taken

our collie, Casey, to the vet for a check-up. After we had parked in front of theplace, she took him into the vet’soffices while I remained in our car,reading the morning sports pages. Thewindow on my side was open. Then,out of the corner of my eye, I noticed acar pull up next to us. The driver thencame out with something in her arms.Since I was engrossed in my paper, Iwasn’t really paying attention. As shepassed by my car window, I heard acackling sort of laugh, “Heh, heh,heh,” and then a male voice asking,“Hi, there. Whatcha doin’?”I was startled. I turned my head

around to see who was chortling at me.

There was a woman holding a parrot inher arms that was doing all of thelaughing and talking. That was Ricco.Ilene quickly interceded. “He alwaysgets talkative when I take him to thevet and likes to show off. He probablythinks he knows you.”Ricco looked at me and laughed

again. Later, I learned from her that shehad bought Ricco at a pet shop about38 years ago. “They told me theythought he was about three at thattime,” she said, “and that would makehim around 41 now.”I was amazed, as my experiences

had been only with dogs, whose livesspan anywhere from 12 to 18 years.She told me that parrots like Riccolived to be 60 to 80 years old. “He’llprobably outlive me,” Ilene, who is 62,said.I referred to Ricco earlier in this

story as a “he.” Ilene says she hasalways considered him as a male, too,but there is no easy way of telling, asparrots don’t have visible male orfemale parts. “But even so,” she said,to me, Ricco is a little boy, my littleboy.”Ricco can say a couple of dozen

words and/or phrases,” Ilene told me.“The actual species name for Ricco isa ‘Panamanian Amazon,’” she said,“and some of the species have much

larger vocabularies. I haven’t particu-larly tried to teach him to say a lot;what he says he has sort of picked upon his own.”I told Ilene that I had either read or

had been told that parrots and para-keets don’t really “talk,” like humansdo, but just have the ability to mimicvoice sounds, and that they don’t real-ly know what they’re saying. “So whatdo you think?” I asked. “Does Riccoonly mimic your voice, or does heknow what he’s saying?”She looked at Ricco and smiled. “I

think a little of both,” she replied. “Hemimics, but he also thinks. Whensomeone leaves, he says ‘goodbye.’When they come in the door, he says

‘hello.’ He never makes a mistake andreverses those words. He says, ‘lemmyouta here’ when he wants to come outof his cage, and at no other time.Doesn’t that sort of indicate that heknows what he is saying?”Ricco stays in his cage most of the

time, but also has the run (flight?) ofthe house. What he especially likes todo at night, when Ilene goes to bed, isto fly or hop into her bedroom then flyor hop up on the bed and fall asleep onthe pillow next to her.There is a deep bond of affection

between the two, which is obvious. Ifyou call Ilene on the phone and she

n Ricco, with his owner-companion-best pal Ilene Bolle.They’ve been together for nearly four decades.

n Another of Ilene’s many hobbies is cartooning. This is a panel fromone of them. Her favorite character is, of course, Ricco.

Inside. . . . . . . . . . . . . . . 9B

RICCO cont. on page 2B

50PLUSWhat’s new for phase two of your life?

Ricco talks and laughs and loves to sleep on a pillow

SECTION B | August 2012 50PLUS

-Aug Pages Sec 2:Layout 1 7/20/12 9:42 AM Page 1

2B • 50PLUS • AUGUST 2012

BBuurrll iinnggttoonn- Francis Meadows: (262) 210-8501

CCuuddaahhyy- Cottonwood Trails: (414) 254-8490

DDeellaaffiieelldd- Hillside Woods I & II : (262) 370-2662

FFrraannkklliinn- Clare Meadows I & I I : (414) 421-8499

GGrreeeennffiieelldd-White Oaks: (877) 229-7923- Crestview: (414) 541-3333-High Grove: (414) 541-3333- Prairie Hill: (414) 541-3333- Hill Crest: (414) 541-3333

MMeennoommoonneeee FFaallllss- North HillsAlta Mira ll: (262) 719-3884

MMiillwwaauukkeeee- SoutheastClare Heights: (414) 254-8410

- NorthwestGranville Heights: (414) 333-4465

WWaauuwwaattoossaa- Cedar Glen: (877) 648-8394

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isn’t home, the answering device picks upand replies, “This is Ilene and Ricco’shouse. We are not home. Please leave usa message.”Ricco goes outside with Ilene into their

well-manicured yard (Ilene loves garden-ing and her yard is a miniature MitchellPark) and doesn’t fly off. However, therewas the one exception. “We were outfront and a huge and noisy truck cameroaring past and frightened him,” shesaid. “He became disoriented and flewoff, and I couldn’t find him. I didn’t knowif he knew how to find his way back. Iwent all over looking. Then, several doorsaway, I heard a plaintive wail from behinda house, “Mom! Mom! Mom!” It washim.We were both so relieved. He usual-ly calls me Ilene, but that time, because hewas so upset and scared, that he became ayoungster again, calling for his mommy.”Ilene and Ricco live in a pretty little

home on Milwaukee’s south side. It’s aquiet neighborhood, and even thoughRicco stays inside most of the time,everyone knows him. Ilene retired not toolong ago after 14 years at NorthwesternMutual Life Insurance. Besides Ricco,she has many interests and talents. She isan accomplished artist, and showed memany excellent watercolors; most ofwhich are of Ricco, naturally. She also

draws cartoons, and is good enough atthat skill to do it for a living. And asnoted, she is an avid gardener.Most of the things Ricco talks about

have to do with his life at home. WhenIlene is cooking certain foods, for exam-ple, he’ll say, “Mmm, I like that.” He alsodoesn’t just make human sounds andwords, Ilene said. “If he looks outside thewindow and sees a cat, he’ll make ameow sort of sound; if he sees a dog, he’llmake a barking sound.”“What happens if you have to go away

for a few days or longer?” I asked. “Doyou have to place Ricco with a vet?”“Oh, no,” she said. “He prefers to stay

here. One of my neighbors comes overand feeds him and takes care of his needs.But just like a little boy, he doesn’t care tobe left alone. When I return, though, he’svery happy and excited.“I suppose some people would think I

am silly, treating Ricco almost as if he ishuman,” Ilene said. “I don’t care. I knowhe’s a parrot; he knows he’s a parrot. Butat the same time, he has so many quali-ties, and I’m not simply referring to hisability to talk. He always knows how Ifeel; he’s a friend, a very dear friend whoprovides companionship, affection andamusement. I would be lost without him.”

One of Ilene’smany hobbies ispainting. Here’s awatercolor shedid of Ricco.

RICCO from page 1B


By Jack PearsonTom Nerad may be past 81 now, but

he is still in great shape. He’s still activein sports, and serves as an umpire threeor four times a week for local cityleague baseball games. And there was atimewhen he could wallop a baseball aswell and as far, maybe further, than anyyoung player the state ofWisconsin hasever produced.A baseball statistician once stated

that of all the great baseball playersoriginally fromWisconsin who made itinto professional competition, onlythree ever hit as many as 50 home runsand knocked in 200 or more over thecourse of their first two full years in proball. They were Ken Keltner, ChetLaabs and Tom Nerad.There’s another aspect of his career

that is also quite remarkable. Neradattended Messmer High School in thelate ‘40s, in an era when the school wasa perennial powerhouse in many sports.Also during those years, there was avery popular national All-Star baseballgame played in the old Polo Grounds inNew York City put on by the HearstCorporation. The teams in that gamewere made up of the top high schoolbaseball players from all over the coun-try. Every major city, such asMilwaukee, held its own competition inorder to select and send two players tothe game. During the years ‘46, ‘47, ‘48and ‘49, of all the young players fromthis area who competed, and there werehundreds from many schools, of thetwo who made it every year, amazinglyone was always from Messmer HighSchool. In 1946, it was Paul Schramka,now the President of the Old TimeBallplayers Association of Wisconsin;in 1947, it was Eddie Granitz; in 1948,it was Eddie Rommel; and, in 1949, itwas Nerad.“I was very proud of being selected,”

Nerad recalled. “Especially so in thatone of the players I was chosen overwas Harvey Kuenn, who went on to theMajor Leagues and won the AmericanLeague batting championship in ‘59.”AtMessmer, Nerad starred on a team

that won the Catholic ConferenceChampionship. Besides being an out-standing slugger, he was also quite ver-satile, playing first base, outfield andpitcher. His play there earned him ascholarship to attend St. Mary’s Collegein California. At the time, St. Mary’splayed in the same conference as USC,UCLA, Stanford, Santa Clara andCalifornia, which was considered as the

strongest college baseball conference inthe nation.“I made the team as a sophomore

and I thought everything was goingwell,” he said. “But then the next year itall fell apart. St. Mary’s announced thatit was giving up football (a few yearsearlier the school boasted an All-American, Herman Wedemeyer). This,of course, impacted the baseball team.As at most schools, the football pro-gram is the sport that pulls in most ofthe money to support the other sports.So with football gone at St. Mary’s,baseball had to shut down, too.”So Tom returned home toWisconsin,

not too sure of what he was going to dowith his life. Back then one of the topleagues in the area was the MilwaukeeMuni, and Tom joined one of its teams.Back in those days, Tom’s dad Iggy

(Ignatius) Nerad, who didn’t play base-ball himself but loved the game, spon-sored several teams. One of them car-ried the name of his own business,Nerad Furs. Tom, however, played onthe Harnishfeger team, which was oneof the best in the state.“One day I came home and my

mother (Alice) said to me, ‘Tom, goodnews.You got an important letter.

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As a young baseball player,Nerad could power the ball

n In 1955, Nerad played with the Lafayette Louisiana Oilers, a ChicagoCubs farm team. That’s him, front and center.

n Tom Nerad today. Check outthose logos; he has a Chicago Cubshat on, and a San Francisco jacket.

NERAD cont. on page 4B



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‘Who from?” I asked.‘Uncle Sam,’she said.” That piece of

correspondence, which started out asdid millions of others like it with theword, “Greetings,” informed Tom thathe was soon to be a soldier. He wassubsequently sent to Fort Bliss, Kansas,where he again played ball, gettingAll-Star recognition.Two years later, after his discharge,

he was offered a bonus contract withthe Chicago Cubs. He was assigned tothe Cubs’Class C affiliate in Lafayette,Louisiana, in the Evangeline League.As a rookie, he did exceptionally well,banging out 24 home runs and 106 runsbatted in to lead the league. The nextseason the Cubsmoved him up to ClassA, in the Western League in DesMoines, Iowa. There he again had abanner year, leading the team in homerswith 26 and in RBI’s again well over100. After that season, the Cubs pro-moted him a third time, sending him upto double A ball at Memphis,Tennessee. That was to be his last yearin professional baseball.“About five weeks into the season I

injured my arm and couldn’t throw anylonger. In that era doctors didn’t oper-ate with the skills and success they havetoday, and for all intents I was through,”he recalled. “At the time, if I recall cor-rectly, I was tied for the league lead inhome runs with Harmon Killebrew.”By this time, too, Tom was married,

and he and his wife, Sonya, had theirfirst child. They now have one son andthree daughters. “So I thought I’d come

back home and get a job,” he said. “Iwasn’t exactly getting rich playing ball,anyhow.” His take home pay inLafayette was all of $400 a month; inDes Moines it was only $550 a month.In just over two seasons, Nerad had

hit 60 home runs and knocked in 258.Had he not suffered the injury, he mighthave made it to the Major Leagues thenext season with the Cubs.In those days if you were a good

ballplayer, you could always get a jobwith one of the companies that spon-sored teams in the MilwaukeeIndustrial League. These companieswould not only hire you and give you ajob; they would also put you on theirbaseball team. So Tom hooked up withthe Falk Corporation and its team.“We were a very good outfit, usual-

ly on or near the top,” Tom recalled.“One of the teams we always beat wasthe Fire Department. One day, after wehad creamed them again, their managercame up tome after the game and askedif I would like to be a fireman. The offerwas pretty good, and I took it. And Iwas a fireman for the next 30 yearsuntil I retired in ‘88. In the early years,I played a little ball for them, too.”The Wisconsin Old Time

Ballplayers Association has its ownHall of Fame, and in addition to greatballplayers who were from this area,they also inducted standout umpires,managers, administrators and teamsponsors. So it was that in 1991 whenTom was elected to the OTBA Hall ofFame, also inducted that year was hisfather, Iggy Nerad.

NERAD from page 3B

Nerad in hisyounger days. Afterstarring for Mess-mer High School,he played collegeball for St. Mary’s ofCalifornia and thensigned with theChicago Cubs or-ganization.


First of all, I will tell you that I amno psychologist or doctor, but I dobelieve that I know a few of the warn-ing signs of dementia and depression.You may suspect that dear old dad

or mom are traveling down the road toAlzheimer's disease, or one of its kin,but my guess is that many of the sus-pected dementia-bound people may beheading for severe bouts with depres-sion. Are they tired, loosing sleep,waking early and not able to get certainthings off their minds and/or losinginterest in activities, places and peoplethat they enjoyed through the years?Right now, I am thinking of my

longtime friend, Harvey.Harvey very recently retired from a

very busy business life as an account-ant. He seems to be having a problemthese days. What's bothering himmight be the same maladies or attitudi-nal problems of others who are head-ing into the sunset of life.Harvey has been a single fellow all

of his life. He lived at home and tookcare of his aged mother until she diedwhen he was in his late 50's. He hasnever been what you could call an out-going person. In public, he neverwould acknowledge another unlessthat person spoke to him first. He'd goabout his own business and hope thatothers did likewise. Over many years,

you might say that Harvey was recog-nized as a nice person, but as a socialoutcast.Harvey did just enough tax work to

keep him comfortable. He never wasout to earn the last dollar available. Ifhe was asked to make calculations hewas unfamiliar with, he'd sweat overhis decisions as he never wanted togive a client bad or even poor advice.Harvey has admitted that he isn't

sleeping very well at night. He oftentosses and turns, has nightmares aboutold business and awakens very early inthe morning even though he's retiredand does not have to get up until muchlater if he so chooses.He suspects that he is heading for

dementia. However, I believe he'sexperiencing depression, which can bereally serious. He mentioned this tome, saying that he's not asking forhelp, perhaps some advice as he's wor-ried about the years ahead of him sincehe is, basically, all alone.I told him that he has to be active,

go out for breakfast or lunch and sit atthe counter so he'll be forced to engagein conversation with the other oldtimers there for the same reason. Hemust keep up with the events of theday, do more than watch television andmake an effort to forget his aches andpains.

Harvey is not confused as to timeand place, seems to be of keen mind,knows people, doesn't imagine thingsas occurring and has good recall ofyesterday as well as some years ago.So what if he forgets a first name of

another person once in a while?

Dementia is a whole different problemthan an occasional lapse into forgetful-ness. But it isn’t easy to fight offdepression.By the way, Harvey is a fictitious

name. I do not wish to lose him as afriend.


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HERMAN WHITE WRITES

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BY Chelle CorderoYou faced your fears, went to the

doctor, followed all the treatments andtook all of the pills -- and now you're

feeling better. But when the bills start totrickle in, your insurance companydenies coverage. Suddenly, you're feel-ing sick again.

While suffering an illness can fillyou with angst, facing the high cost ofmedical treatments, doctor bills andhospitalizations can be staggering. It'sreassuring to have health insurance; youexpect the basics, after co-pays, to becovered. But what if they're not? Whatkind of recourse do you have when yourinsurance company says no?In order to maximize insurance ben-

efits, read through your policy and fol-low the plan language; explore discountdrug options with large retailers, super-markets or pharmacy chains; and dis-cuss drug replacement programs withthe physician. Become familiar withany pre-authorizations that may be nec-essary, and make sure you get theappropriate referrals.Many plans will permit you to notify

your doctor after seeking emergencycare, but non-emergency proceduresrequire doctor approval first. Do yourresearch about in-plan doctors andproviders and determine whether youhave any provisions for out-of-planservices. Be aware of required waitingperiods for pre-existing conditions.According to the Patient Advocate

Foundation, "A non-covered service orinsurance denial can result from a pre-existing benefit exclusion or pre-autho-rization issue such as previous medicaladvice or treatment before the effectivedate of the health insurance plan." If thishappens to you, you should carefullyreview the specific reason for denial andsee whether you have other coverageoptions through personal or alternative-ly sponsored plans (i.e., employer orspousal coverage). Speak to the doctor'soffice, hospital advocacy or case man-ager to find out whether they are willingto intercede in your behalf."Sometimes it's just a matter of

reprocessing the claim," says ErinMoaratty, chief of external communica-tions for the Patient Advocate

Foundation.If you're denied coverage, read the

determination letter carefully for theexact reason that you've been turneddown. Sometimes the answer is as sim-ple as a clerical error, your doctor'soffice listing the wrong code or missingdocumentation. Billing issues, duplicateclaims and absent information can trig-ger a denial. Contact your insurancecompany directly for the proper proce-dure to follow to rectify an error. If thedesired procedure is to be scheduled forthe future and you're looking to pre-cer-tify, you may need an affirmation fromyour doctor that proves it's a necessarytreatment and not just an elective or cos-metic procedure.If you need to file a formal appeal,

make sure that you have all of yourinformation and records handy. Be pre-pared to answer what type of servicewas, or is, needed.What was the reasonthe insurance company gave for deny-ing coverage? What is the anticipatedcost? Is the procedure past any pre-existing waiting periods? Is pre-autho-rization required or were pre-authoriza-tion procedures followed?According toa March 2011 report by the U.S.Government Accountability Office, 39to 59 percent of denied claims wereoverturned after appeal.Your appeal hasto be factual, informed, firm and polite.The first step is to appeal to your

insurance company, so find out theproper contact address for the appealsdepartment. Don't delay filing yourappeal, as the insurance company willtake into account the length of time ittakes for you to respond. Always makeyour appeal in writing and mail it with areturn receipt so that you have proof itwas submitted.Include letters from your attending

physician, medical records, any writtencare instructions you might have

There is said to be a right time foreverything and, all too often, a wrongtime to do this, neglect that or stub-bornly refuse to do this or that thing.To this point in time, I have stub-

bornly refused to believe that the 2012version of the Milwaukee Brewers willnot make it to the playoffs. But mymind is changing. And with the man-ner in which things have been pro-gressing to this point, I don’t believe

the loss of Prince Fielder from the line-up has made that great a difference.They play, all too often, mediocre ball.Some guys remain in the lineup dayafter day even as non-contributors;

never really lighting any sparks.With the price of a game ticket, bev-

erages and a nice sandwich approach-ing unreasonably high numbers, itseems to me that it is almost past thetime when ownership, which smiledall the way to the bank last year, shoulddo something to rescue this season.Letting Fielder go to Detroit wasunderstandable, but watching what’soccurring this season on the field is

very distasteful to fans, especiallythose who expect more for theirmoney. Perhaps, the owners could geta German band to play betweeninnings or hire the out-of-work aspinch hitters and base runners.The Brewers just aren’t meeting the

professional standards that we judgeoverall major league teams by.And please don’t just tell me they’re

better than Chicago and Houston.


• Examine opportunities for creativity and self-fulBllment after 50 • Discover new ways to enrich your life – from overcoming ageism to runningfor public ofBce

• Hear inspiring speakers including Sr. Edna Lonergan (St. Ann’s Center for Intergenerational Care), Phillip Jackson (The Black Star Project and communityadvocate) and many more!

DetailsFri., Sept. 21, 8:30am-4pm, UWM School of Continuing EducationFee: (includes lunch and refreshments)

Single: $60 per person, $30 per person (Osher members)Couples: $100 per couple, $50 per couple (Osher members)

Register Online at SCE-OSHER.UWM.EDUor by Phone 414-227-3200

STAY HEALTHY. ACTIVE. YOUNG AT HEART.OPEN NEW DOORS: ENRICHING YOUR LIFE

Because Learning Never Retires

Osher Lifelong Learning InstituteOSHER

INSTITUTELEARNINGLIFELONG

��RedeBne what it means to be living your “next chapter” during thisconference on active aging! During this invigorating event, you will:

the WRIGHTSIDE of

By Enis Wright 60

Don’t take no for an answerWhat to do when the insurance company denies your claim

INSURANCE cont. on page 20B

Major leagues professional standard’s



Burnham VillageWest MilwaukeeCifaldi Square

CudahyGonzaga Village

West AllisJames & John

Milwaukee

Oak WestWest Allis

OakwoodMequon

Sunset HeightsWaukesha

Valentino SquareWest Allis

Accessible, federally subsidized, safe, secure, barrier-free, affordable one bedroom and efficiency

apartments for seniors age 62 and older.

8 Desirable Convenient Locations in 6 Communities

For more information or an appointment call

(262) 240-9406Becker Property Services, LLC

email: [email protected] www.beckerpropertyservices.com

SERVING ALL OF WISCONSIN

Simple Cremation $595.00(Excluding Cremation Permit & Fee)

Traditional Funerals 1, 395.00at your Church or Cemetery

Chapel of your choice Call for more details

414.453.1562

Title 19 & Pre-Arrangements

Mary Johnson of Wauwatosa and Kathy Turtenwald of Menomonee Falls.

Celine Kashishian of Wauwatosa.

Stewart Dempsey of Wauwatosa and the Keenland Walker Gardens.

Michele and Les Braze of Wauwatosa.

BY MARGARET PEARSONHorticultural wonders and floral

arrangements abounded throughoutthe 18th Annual Secret Gardens ofWauwatosa Tour on Saturday, July 14.Eight lovely home gardens were fea-tured: the Kneeland-Walker Garden at7406 Hillcrest Dr.; the Braze home at1511 N. 70th St.; the Johnson-Millerhome at 8215 Milwaukee Ave.; theDavis home at 8329 Jackson Park Blvd.;the Tritschler home at 8330 JacksonPark Blvd.; the Venske home at 2517 N.86th St.; the Hudson-Simpson home at2611 N. 116th St.; and the Frankenhome at 4248 Menomonee River Park-way. Proceeds from the event helpedsupport the work of the WauwatosaBeautification Committee, Inc. in ob-taining plants for and maintenance ofpublic garden spaces throughout thecity of Wauwatosa.A few of the many homeowners and

tour participants:

18th Annual Secret Gardens ofWauwatosa Tour

We saw you at . . . . .


8B • 50PLUS •AUGUST 2012

Mark Simpson and Carolyn Hudsonof Wauwatosa.

Jack Venske of Wauwatosa.

Tina Funk of Milwaukee and Lori Funk of New Berlin.Russell and Linda Franken of Wauwatosa.

Debbie Tritschler and Lori Sauter,both of Wauwatosa.



Whether you are researching aretirement community for yourself or aloved one, you will find there are moreoptions available than ever before aswell as many choices to consider whenit comes to retirement living. That iswhy it is so important to ask the rightquestions, keeping in mind factorssuch as present and future needs, com-munity location and financial situation,among other considerations.1. Check the background of the

community: Find out who owns andmanages the community, as well as thetrack record of management.Determine whether the community isaccredited for meeting high standardsin services, operations and finances.Visit http://www.carf.org for a list ofaccredited communities by state.Review the financial performance ofthe organization, including any credit

ratings the company has received fromagencies like Standard & Poor's orFitch.2. Consider future health needs:

Retirement communities today offermany amenities and services but not allprovide medical care, making anothermove a possibility should health needschange. Continuing care retirementcommunities are the only type of sen-ior community that offers independentliving, assisted living and skilled nurs-ing care on a single campus. SomeCCRCs even offer specialized pro-grams such as memory care, homehealth care and adult day programs aspart of their services.3. Get detailed information about

fees: Learn what all fees do and do notinclude, when fees are subject toincrease and under what conditions.Ask about the average fee increase

over the past five years. Consider thefinancial advantages and disadvan-tages of the contract options the com-munity offers.4. Meet with residents and tour the

community: Arrange an appointmentto tour the community, meet with resi-dents and staff and sample the foodand the service. Notice if the commu-nity is clean, well maintained andsecure.5. Use a services and amenities

checklist: Get a complete informationpacket that includes application foradmission, fee schedules, floor plansand the resident contract. Compareeach community's pricing to amenities,programs and services that are impor-tant to you.6. Ask about recreational and social

activities: Find out what kind of social,cultural, educational, spiritual and

wellness activities are available. Isthere an activities director on staff toplan entertainment, events and trips? Istransportation available?7. Consider location and find out if

there is a waiting list: Is the communi-ty located near family, friends, doctor'soffice, place of worship and shopping?Find out if there is a waiting list tomove into the community and how itworks.For more tips visit http://www.act-

sretirement.org/guide to download afree booklet called A Consumer'sGuide to Retirement Living. Thisinformative resource explains therange of senior living options that areavailable, and includes checklists,worksheets and important questions tohelp you confidently research, evaluateand compare retirement communities.

7 Tips for Choosing a Retirement or Assisted Living Community


ASSISTED LIVINGAT ST.CAMILLUS10101WWisconsin Ave.,Wauwatosa,WI 53226

414.259.6333Assisted Living at St. Camillus is a network of service programs designed to meetdifferent levels of need in a safe, wellness-oriented and serene setting. These serv-ices are provided at three levels to meet a spectrum of needs experienced by sen-iors at various stages. Assisted Living at St. Camillus is integrated with acontinuum of care that includes independent living, skilled nursing, rehabilitationtherapy and hospice. Our Assisted Living and Memory Care Programs are de-signed to carefully monitor and provide services around the clock. The 24-hour aday availability of nursing staff to regularly assess any changing health needs pro-vides greater assurance to residents and family. Our caring staff blends residents’independence and daily support, our activity staff offers varied opportunities formeaningful social, physical and spiritual activities. Living arrangements includestudio and one-bedroom apartments. Assisted Living at St. Camillus offers anon-site medical clinic, massage therapy, podiatrist and pharmacy. Available sup-port services include: transportation, banking, beauty salon, country store, library

and chapel. Assisted Living at St. Camillus is a faith-based not-for-profit organ-ization sponsored by the Catholic Order of St. Camillus and serving the Milwau-kee area for more than 75 years.

CEDAR BAYASSISTED LIVING5595 County Road Z,West Bend,262.306.4299

www.CedarCommunity.org101 Cedar Lane,Elkhart Lake,920.876.4050

www.CedarLanding.orgPart of Cedar Community, the nation's 86th largest not-for-profit, continuum ofcare providers, serving seniors since 1953. With the completion of Cedar Bay atElkhart Lake, Cedar Bay assisted living's tradition of compassionate, attentivecare now includes a total of 186 studio, one- or two-bedroom apartments in threeunique environments. All offer engaging activities, private bathroom, kitchenette,storage, onsite and awake nursing care 24/7, three delicious meals served restau-rant style, housekeeping and more included in monthly fees. Award-winningrestorative and therapeutic programs, pet therapy, music, outings and more. Visitour website for pricing and virtual tours or call for an appointment.

CLEMENTMANORRetirement Community Assisted Living

9339W.Howard Ave.,Greenfield414.546.7000

www.clementmanor.comEnjoy a continuum of health and well-being where personal growth and intellec-tual stimulation are available regardless of physical limitation. Our spaciousapartments feature all the necessary amenities and are just a few steps away fromthe on-site chapel, bank and gift shop. Breakfast and dinner are served daily andlunch 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 timeat 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.


N168 W22022 Main StreetJackson, WI 53037

www.jacksoncrossings.com(262) 993-2838

Hwy 45 North to Hwy 60 East Exit• Independent Apartments• Assisted Living • Memory Care

Sorting out senior living options? We Can HelpCall or stop for a free consultation. ��

Retirement Community



THE COURTYARDSAT LUTHER MANOR4545 North 92nd Street,Wauwatosa,WI(414) 464-3880 • www.luthermanor.org

Contact Client Relations at (414) 464-3880 [email protected]

The Courtyards at LutherManor takes a flexible, individualized approach to As-sisted Living. From the privacy of personal resident single rooms and two-roomsuites, to the enjoyment of socializing and sharing experiences with other seniors,The Courtyards offers a distinct blend of support, life enrichment and senior careservices. Personalized care plans allow residents to tailor services best suited totheir needs and abilities. 24-hour, trained nurses are available to assist residentswith daily living activities such as bathing, dressing and medication supervision,while encouraging maximummobility in a safe, caring environment. In additionto comfortable lounge areas for reading and visiting, we also have family roomswith kitchenettes and outdoor patios that are perfect for entertaining. Our largeLife Enrichment Center hosts everything from lively card games and upliftingBible studies to exercise classes, musical participation groups and arts and craftsprojects. The Luther Manor community also offers onsite conveniences such asa clinic, pharmacy, beauty salons/barber shops, convenience stores and an icecream parlor. Pastoral care, worship services and a variety of social and enter-tainment opportunities area available, as well. In addition to assisted living,Luther Manor provides independent housing and long-term care options, as wellas rehabilitation services, adult day services and hospice care.

CREATIVE LIVING ENVIRONMENTS,LLC.920.258.9955/www.cle-cclswi.com

AUTUMNVILLA, 2904 South 114th St.West Allis,WI 53227

CLARION MANOR, 21325 Clarion Ln.Waukesha,WI 53186

LAYTON COURT, 12320West Layton Ave.Greenfield,WI 53228

RAINBOWTERRACE, 15831West Santa Rosa Blvd.New Berlin,WI 53151

WASHINGTON HEIGHTS, 4926W.Washington Blvd.Milwaukee,WI 53208

Gracious neighborhood homes (Assisted Living) for older adults who need moreassistance/supervision than in their own homes. Staff is skilled in caring for thosewith emotional/mental health issues and other aging concerns. Promote physi-cal/emotional well-being, self-worth and independence.

•Therapy & pharmacy services •Medication & health monitoring •Outstanding activity programs

•Private suites •High staff to resident ratio •On-site lab & radiology



3 Tiers of Residence Fees to Choose From to Fit Your Budget

Optional a la carte Services So You Only Pay for What You Need

1 & 2 BR Residences in the Village of Hales Corners

Just Steps from Whitnall Park

An Attentive, Caring Staff Available 24/7

11077 W. Forest Home Ave., Hales CornersFor a personal tour, call Mary at 414-425-1148.

How you live is just as important as where you live.COMMUNITIES

Rates Start At $895

The Best Value in Senior &Assisted LivingAssistedAssisted LivingLivingdd

An Attentive, Caring Staff Available 24

Just Steps from Whitnall Park

1 & 2 BR Residences in the Village of Hales Corners

Optional a la carte Services So You Only Pay for What You Need

3 Tiers of Residence Fees to Choose From to Fit Your Budget

ve, Caring Staff Available 24

Steps from Whitnall Park

ences in the Village of Hales Corners

vices So You Only Pay for What You Need

Fees to Choose From to Fit Your Budget

7/24

es Corners

r What You Need

Fit Your Budget

How you live is just as important as where you live.For a personal tour, call

077 W. Forest Home Ave., Hales 11

O ECOMMUNITIES s just as important as where you live.4-425-14Mary at nal tour, call

CornersForest Home Ave., Hales

you live.48.11-

rners

ELLEN’S HOME OF GERMANTOWNN113W16358 Sylvan Circle,Germantown

262.250.6455Contact Person:Elaine Ellis

Affiliated with Ellen’s Home of Port Washington with the capacity of the facil-ity of 20 and is for profit. Spouses may share the private bedrooms with fullbaths, also suites. Enrollment/endowment fee of $2000 and is refundable (pro-rated). Monthly rent is based on free assessment and the meal plans are in-cluded in rent. Medical personnel on staff include 2 RN’s and numerous

CNA’s. Numerous programs for a variety of resident needs and interests. Wepromote a safe, social, active, Christian atmosphere for seniors who can’t liveon their own but don’t need a skilled nursing home. Our facility offers a phar-macy, lab, radiology, podiatry, therapy and salon services available. Our activ-

ity directors will keep your body active and life full and exciting.

FOREST RIDGE,AWIMMER COMMUNITYSENIOR RESIDENCE

11077W.Forest Home Ave – Hales Corners,WI 53130Patti Frost – Administrator

Mary Zurowski – Resident Services Coordinator414-425-1148

Forest Ridge, aWimmer Senior Community Residence, is your affordable home-town senior community.We feature 208 residences with 1 bedroom, 2 bedroomswith 2 bath, and 1 bedroom with den apartments, many with patio or balcony.If you join our community as an independent resident and your needs change, youmay stay in your same apartment while accessing the services of our Assisted Liv-ing Program. Rents start at $895 with an optional and flexible meal plan avail-able at a modest additional cost. Our community offers an expansive array ofrecreational and lifestyle opportunities. Our resident social calendar includes avariety of activities, special events, tours and trips. For your convenience, weoffer a daily dining program, enclosed parking, a full service bank, country storeand a beauty salon/barber shop, all within the facility. In addition to our on-siteWheaton FranciscanMedical office, scheduled transportation is available, shop-ping, special events, tours and trips. Health staff consists of RN, LPN’s and Cer-tified Nurses Aides. At Forest Ridge, we make a very special lifestyle possible.You will find the affordable retirement you want with the services you may needto assist you through the years.



HARBOURVILLAGE5700 Mockingbird Lane,Greendale

414.421.9600Contact Person:Karri Biscobing

Harbour Village is affiliated with Senior Lifestyle Corporation and is for profitwith the capacity of 114 at this facility. You will find studio, 1 and 2 bedroomapartment homes which spouses share rooms/apartments including 3 meals aday. Monthly rent is dependant upon level of care and services needed. A varietyof cultural programs, arts and activities are offered regularly giving you the free-dom to do the things you enjoy. Personnel on staff include an RN plus 24 hourawake carestaff. Assisted living truly emphasizes living at Harbor Village by ap-pealing to the personal tastes of each resident. We provide opportunities to ex-perience life to the fullest.

HERITAGE COURTN48W14250 Hampton Ave.,Menomonee Falls

262.432.0222Contact:Debbie Harry

A 34 unit, secure Memory Care residence. When you enter the doors of Her-itage Court you will find a warm and compassionate community with a veryhome-like atmosphere. We have caring, dedicated caregivers on staff 24 hoursa day to provide our residents with love, respect and dignity. With an enclosedoutdoor garden, residents can enjoy the outdoors in a safe and secure area. Weprovide three home cooked meals a day and snacks and have an array of activi-ties for everyone to enjoy. All private suites with private bath. Activities: out-ings, movies, cards, daily events and more. Affiliations: Lexington Heritage,Heritage at Deer Creek and Heritage West Allis.

HERITAGEAT DEER CREEK3585 S.147th St.,New Berlin

262.432.0222Contact:Debbie Harry

Assisted Living andMemory Care residence.Within Heritage at Deer Creek youwill find a warm and compassionate community where daily assistance is pro-vided with love and utmost respect for personal integrity of our residents. Ourcompassionate staff is trained to serve with an open heart and friendly smile.Living arrangements: Assisted Living – 43 apts., studios, 3 sizes/1 bedrooms, 2bedrooms/2 baths, walk-in showers, individually controlled heat and air, kitch-enette. Pets welcome. All utilities except telephone included. Memory Care – 33private suites with bathrooms, most with walk-in showers. Monthly rent: As-sisted Living – start at $2,955; Memory Care – start at $3,800. In house physi-cian, podiatrist, coordination of therapies and lab services. Activities: lunchoutings, movies, cards, bingo, happy hour and more. Affiliations: Lexington Her-itage, Heritage Court and Heritage West Allis.

HERITAGEWESTALLIS7901W.National AvenueWest Allis,WI 53214

414.302.9700Contact:Chris Kohn

Heritage West Allis offers an elegant, Assisted Living and Memory Care com-munity where daily assistance is provided with love and the utmost respect forpersonal integrity of our residents. Choose from studio, one and two bedroomapartments with no entrance or endowment fee. Within each apartment is akitchenette, private bath with walk-in-shower, spacious closets and a reassuringpersonalized emergency call pendant. Amenities include: community pub, beauty



A decision thewhole family will feel goodabout ...

. Improved quality of life for your loved one

. Peace of mind for the whole family

. Outstanding reputation for quality,compassionate supportive care services

. Warm, welcoming, positive environment

. Vibrant and engaging activities program

. �ree delicious and nutritious meals served daily

. Comfortable apartments with private bath

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

Cedar Bay Assisted Living!

EQUAL HOUSINGOPPORTUNITY

Call or visit our website for helpful advice on assisted living and other options!

5595 County Road Z West Bend, WI 53095262.306.4299 cedarcommunity.org

101 Cedar Lane Elkhart Lake, WI 53020920.876.4050 cedarlanding.org

shop, fitness center, community room and library. Professional care giving staffis available 24 hours a day to assist you with anything from bathing to medica-tion administration. Heritage Memory Care Neighborhood specializes in carefor residents with Alzheimer’s or other related Dementias. Our two 20-suite com-munities offer residents an uncomplicated design with home-like private accom-modations. 40 residents will reside in private suites with bath and walk-inshowers. A beautiful secure interior courtyard will provide safe access to the out-doors. Our activity program is designed to stimulate and engage the residents re-maining cognitive strengths. Affiliates: Heritage at Deer Creek, LexingtonHeritage, Heritage Court.

JACKSON CROSSINGS RETIREMENT COMMUNITYN168W22022 Main Street, Jackson,WI 53037

262.993.2838Contact Person:Amy Lloyd

Living on the Lake is important to manyWisconsin residents. At Jackson Cross-ings, people enjoy the birds, gardens, and fishing on a small “Northwoods” lakeamong friends and family. Our spacious 1 bedroom, two bedroom and studioapartments include lakeside patios or balconies, utilities, cable TV, housekeep-ing, towel and linen service, concierge service and much more. Depending on theservices provided, monthly fees range from $2,390 to over $5,000 per month andinclude a meal plan, fitness and wellness programs as well as many recreationalactivities such as bus tours, live music and entertainment, art programs, winetastings, barbecues, theme parties, Bingo, card parties, family picnics, trans-portation to shopping and more. The best thing about Retirement Living at Jack-



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

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

ST. JOHN'S MANOR812 Marquette Avenue

South Milwaukee 414-762-2511

ST. MARY'S MANOR1313 Missouri Avenue

South Milwaukee 414-762-8026

PROFESSIONAL CARE WITH A PERSONAL TOUCH

www.cle-cclswi.com

Celebrate your individuality at home with CLE Where your family is our family

Visit a CLE home in your neighborhood Call today at 414.258.9955 Email [email protected]

Your Neighborhood Assisted Living Your Neighborhood Assisted Living Your Neighborhood Assisted Living In Waukesha and Milwaukee In Waukesha and Milwaukee In Waukesha and Milwaukee

Lives are Enhanced Expectations Exceeded

son Crossings are the excellent services and outstanding staff who make you thepriority. If you should need rehabilitation or other help, you can receive the bestcare and never have to leave. Assisted Living andMemory Care are available. Ourstaff includes RN’s, CNA’s, a social worker, therapists, and a certified Alzheimer'seducator. No entry fee or endowment is required and pets are welcome.

LEXINGTON HERITAGE5020 S. 107th St., Greenfield

414.302.9700Contact: Chris Kohn

A 20 unit Assisted Living residence. When you enter the doors of Lexington Her-itage you will find a small and comfortable facility with a very home like atmos-phere. Throughout the days many enjoy sitting in our sunroom viewing the beautyof our private patio.We have caring, dedicated caregivers on staff 24 hours a dayto provide our residents with love, respect and dignity. We provide three homecooked meals a day and have an array of activities for everyone to enjoy. Studio,large and small/bedrooms with private bathrooms. 2 bedroom/2 bath. All unitshave microwave and refrigerator. There is no enrollment/endowment fee. Activi-ties: musical entertainment, trivia, crossword puzzles, church services, Pokeno,crafts and van for transportation. Affiliations: Heritage at Deer Creek AssistedLiving and Memory Care, Heritage Court Memory Care, Heritage Eau Claireand Heritage West Allis.

PROHEALTH CARE REGENCY SENIOR COMMUNITIES –BROOKFIELD

777 N. Brookfield Rd. BrookfieldContact:Terry Sommers

Director of Community Services262-780-0321

www.RegencySeniorCommunities.comRegency’s Assisted Living offers seniors the privacy and independence they wantwith the individualized support services they may need. We provide two levels ofcare to residents as their needs change, reducing the need for a future move. Aspart of the ProHealth Care family, we also offer free transportation to ProHealthCare medical appointments. We have 94 studio and one-bedroom apartmentsranging from $2,410 - $4,620 a month. Our rent includes a meal plan, nursingservices, and many daily activities which include cards, crafts, outings, culturaland exercise programs and worship services. Our staff includes an RN, LPNs andCNAs.

PROHEALTH CARE REGENCY SENIOR COMMUNITIES –MUSKEGO

W181 S8540 Lodge Blvd.,MuskegoContact Person: Judy Sorce,

Director of Community Services262.679.0888

www.RegencySeniorCommunities.comRegency-Muskego's Assisted Living programs provide several levels of care tomeet the changing needs of our residents. Our 96 one bedroom apartments offerresidents the privacy, independence, and comfort they want with the excellentcare, compassion and respect they need, all for one affordable monthly fee of$3,170 - $4,620 per month. Besides offering three chef prepared mails daily, ourresidents enjoy hundreds of different types of activities including trips, socials,fitness, educational, recreational and spiritual programming. Around the clockcare is provided by our staff of Registered Nurses and Certified Nursing Assis-tants. Our Attended Care Program is a better alternative to a nursing home, al-lowing people with higher physical or memory needs the privacy of their ownapartments and excellent care at an affordable price. Free transportation to Pro-Health Care clinics and hospitals is also available.

PROHEALTH CARE REGENCY SENIOR COMMUNITIES –NEW BERLIN

13750W.National Avenue, New BerlinContact Person:Arleen Houssaye, Director of

Community Services262-789-1699

www.RegencySeniorCommunities.comAt the Regency New Berlin Assisted Living, we have 88 one bedroom and studioapartments. We also offer assisted living services in our independent one and twobedroom catered care apartments. As part of the ProHealth Care Family, we pro-vide various levels of care for your changing health care needs, which enablesmany residents to avoid future moves to other facilities. Assisted Living rentsrange from $3,035 to $4,470 depending on the level of care and apartment size.Rent includes 3-meals a day, basic utilities, housekeeping, bed-linen change, andpersonal care services. We also provide recreation and activities including freemusical entertainment, exercise classes, crafts, book and card clubs, bingo, dayoutings and church services. Free transportation is provided for group events. Allapartments are equipped with an emergency call system, and we have on-site


CREATIVE LIVINGENVIRONMENTS, LLC.


FOREST RIDGE SENIOR RESIDENCES

HERITAGE COURT

HERITAGE ATDEER CREEK

HERITAGEWEST ALLISCLEMENT MANOR

CEDAR BAY

ASSISTED LIVING AT ST. CAMILLUS

LEXINGTONHERITAGE

JACKSON CROSSINGS RETIREMENT COMMUNITY

ELLEN’S HOME

HARBOUR VILLAGE

CREATIVE LIVINGENVIRONMENTS, LLC.



PROHEALTH CARE REGENCY SENIORCOMMUNITIES – BROOKFIELD

ST. MARY’SMANOR

ST. CLARE TERRACE

PROHEALTH CARE REGENCY SENIORCOMMUNITIES-NEW BERLIN

PROHEALTH CARE REGENCY SENIORCOMMUNITIES MUSKEGO

ST. JOHN’S MANOR

VMP- MANOR PARK

LUTHER MANOR

VMP-TRINITY

TUDOR OAKS



nurses available 8 hours a day, seven days a week, and on-call 24/7. Certifiednursing assistants are on-site 24/7 for personal care services and emergencies.

ST. CLARE TERRACE3553 S. 41 St.,Milwaukee

414.649.0730The finest assisted living apartment homes for seniors who may need help withlife’s day-to-day needs. Spacious apartments feature all the necessary amenitiesincluding 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 youwith your medical and health questions. Another benefit is the beauty and spiri-tual comfort of our on-site chapel. St. Clare Terrace helps families combine theirpersonal independence with professional care. Sponsored by the Franciscan Sis-ters of St. Clare and managed by Clement Manor, Inc.

ST. JOHN’S MANOR812 Marquette Ave.South Milwaukee414.762.2511

St. John's Manor offers personal attention with full-time nursing assistants, full-time activity staff and a charming home-like atmosphere. Living arrangements in-clude private rooms and activities such as bingo, van rides, entertainment,community programs, a patio and a transportation van. There is a refundable en-rollment fee.

ST.MARY’S MANOR1314 Missouri Ave.South Milwaukee414.762.8026

St. Mary's Manor offers personal attention in a charming home-like atmosphereand provides many levels of care. The facility has private rooms, full-time nursesand a full-time activity staff. Most popular activities include bingo, van rides, en-tertainment programs, community programs and the outdoor deck. There is a re-fundable enrollment fee.

TUDOR OAKSRETIREMENT COMMUNITY

S77W12929 McShane DR.,MuskegoContact:Marketing 414.525.6500

Tudor Oaks Retirement Community is affiliated with American Baptist Homes ofthe Midwest and is non-profit. Capacity of the facility includes 36 RCAC and 22CBRFMemory. CBRF rooms include a studio with private bathroom and shower.RCAC rooms - an alcove with separate bedroom, living and tea kitchen with pri-vate bath. Enrollment/endowment fee is only for Independent Living. Spoucesmay share room/apt. Refundable based on contract selected and monthly rent

based on care level. Meal plan included with monthly fee. Our recreation/pro-grams include fitness classes, swimming, music, games, spiritual programs, bustrips and entertainment. Medical personnel on staff include a CNA 24/7 on thefloor, and RN 24/7 on campus. Assisted living helps residents stay as independ-ent as possible while providing for their needs. Residents enjoy social opportuni-ties while living in a safe and happy community. All housing is under one rooffrom independent to assisted to skilled with rehab care. Long term staff providescaring and compassionate assistance.

VMP - MANOR PARK3023 South 84th Street,West Allis

Website: www.vmpcares.comContact: Sue 414-607-4104

VMP Manor Park offers rooms that are singles, kitchenettes, and apartmentswhich spouses may share. Monthly rent depends on size of rooms/apartments se-lected and there is no endowment or enrollment fee. Three meals daily are in-cluded within monthly rent. Our recreation and programs include exercise, musictherapy and they promote interaction. Helping Hands is a group comprised ofresidents who perform social service acts for school children, cancer groups, hu-mane society, military, etc. On staff we have a manager, nurses, CNAs, recre-ational staff, therapists, food service, social workers, pastoral staff. Residentsreceive medication administration and health monitoring, meals, housekeepingand laundry. Sliding scale insulin injections are possible. We offer an on-sitemedical clinic, rehabilitation, lab and X-ray services including mammogram.Chapel, store, and beauty shop are on-site. Another advantage is access to on-siteskilled nursing, hospice and a ventilator unit.

VMP - TRINITY7300West Dean Road,MilwaukeeWebsite: www.vmpcares.comContact: Peggy 414-371-7350

VMP Trinity is owned and operated by VMP, a leader in senior healthcare forover 85 years. VMP Trinity offers a full array of services to meet the challengingneeds of seniors. Couples enjoy the one and two bedroom apartments in the as-sisted living care area which provides support for those who need some help withdaily activity tasks. All residents receive three meals daily, housekeeping, laundryservices, medication administration and social activities. Additional supportive,personal care or nursing services are available as needed. There is no enrollmentor endowment fee. Residents also benefit from an on-site medical clinic and re-habilitation center. As an added convenience, the clinic can provide lab and x-rayservices on-site, including mammograms. Another advantage of VMP Trinity isaccess to more advanced care, including skilled nursing, hospice and a ventilatorunit.

Pick up an issue of 50PLUSWhat’s new for phase two of your life?



CURRENT EVENTSAugust 1 - 5

Ozaukee County FairFiremens’s Park, Cedarburg

The last free county fair in south-eastern Wisconsin. Enjoy carnivalrides, animal judging, horse show,dog obedience, truck pull, chainsaw

carving auction, mainstageentertainment, food and more.www.ozaukeecountyfair.com

August 2 - 14Wisconsin State Fair

Enjoy everything Wisconsin! Visitwww.wistatefair.com for more

information.

August 4Lovin' Kind

Shank Hall, 1434 N. Farwell AveLovin’ Kind from 8-11 p.m. fol-

lowed by Failure to Launch. This willbe an awesome show! We're honoredto play there and hope all of you willcome to make this a blast of a nightfor you and a successful night for us.

August 10 - 11Waukesha Bluesfest

NagaWaukee Park, Delafieldwww.waukeshabluesfest.com or

call (262) 542-0330

August 11“Field of Honor: A Salute tothe Greatest Generation”

Miller ParkTickets can be purchased online at

www.starsandstripeshonorflight.orgor www.brewers.com/fieldofhonor, orby calling (414) 902-4000. Proceedswill help fund future SSHF flights.

August 11 - 12Heritage WeekendLisbon Community Park,

N78 W26970 Bartlett Pkwy.Take a journey through history by

visiting re-enactors from a variety oftime periods. Walk through history –

up to 40 camps. 10 a.m. - 5 p.m. Ad-mission is free. Food and beverages

will be available to purchase.

August 16 - 19Irish Fest

Henry W. Maier Festival ParkEnjoy everything Irish! For details,

irishfest.com.

August 17 - 19Port Washington's Maritime

Heritage FestivalA premiere Maritime Heritage

event on the west cost of Lake Michi-gan featuring tall ships, artisans, edu-cational activities, entertainment andmore.Visit the website to learn morewww.portmaritimefestival.com.

August 18Donna Lexa Memorial

Glacial Drumlin Bicycle Trail,Wales

The 14th annual juried art fair withover 65 artists, entertainment, food,children's area, and Art Fair usedbook sale from 9 a.m. - 4 .m. Visitwww.donnalexamemorialartfair.org

or call (262) 853-0808.

August 18 - 19Maxwell Street Days

Field Park (Hwy 82 & NN),Mukwonago

Flea market with over 600vendors displaying their goods.For details call (262) 363-1501.

August 19Vintage Baseball Game &

Classic Car ShowRichfield Historical Park

Enjoy a Vintage style baseballgame & classic car show. Games at:11 a.m., 1 p.m., 3 p.m. with kids ac-tivities and competition betweengames. Park Opens at 10 a.m.

www.richfieldhistoricalsociety.org

August 22AARP Driver Safety programWest Wood Health & Fitness Cen-ter, 2900 Golf Rd., Waukesha

AARP members $12 /nonmembers $14. Registration re-

quired for all events: www.prohealth-care.org/classes or (262) 928-2745.

August 24,25, 26Germanfest

DowntownWest BendCelebrate German Heritage with

national & international polka bans,German food and more! www.down-

townwestbend.com or call(262) 338-3909.

August 25 - 26Wings over WaukeshaWaukesha County Airport

Bring the family & see four of thebest aerobatics performers in the

country, a variety of civilian and mili-tary aircraft in the daily air show at1:00 p.m. Saturday enjoy a hot airballoon “glow” from 6 - 9 p.m. Visitwww.wingsoverwaukesha.com or

(262) 424-6747.

August 31 -September 2

Wisconsin Highland GamesWaukesha County Expo Center

A weekend of Celtic fun for the en-tire family! For details visit

http://www.wisconsinscottish.orgor call (262) 896-8490.

FUTURE EVENTSSeptember 2

Maxwell Street DaysFiremen’s Park, Cedarburg

Vendors sell a varied selection ofantiques, collectibles, crafts, fine arts,fresh produce, seasonal items, sportsmemorabilia, flea market items

and more.

September 18You’re Never Too Old to PlayAnAfternoon with John McGivern

Northern Lights Theater,Potawatomi

Limited seats available, contact(414) 607-4130 for tickets and info.

ONGOING THROUGHSUMMER SEASONWaterfront Wednesday’sLakefront Park, Pewaukee

Free sing along & dance to livemusic every Wednesday on Pewau-kee’s lakefront, 7 - 9 p.m. with music

varying weekly.

River RhythmsMarquette Park,

900 N. Plankinton Ave.Free concerts through August 29,6:30 - 9 p.m. www.westown.org.

Wednesday Night LiveWisconsin State Fair Park

Budweiser Pavilion,640 S. 84th Street

Free concert series ongoing onWednesdays, featuring some of thetop bands in the Milwaukee area

from 6:30 - 10:30 p.m.www.budpavilion.com.

Concerts in the GardensBoerner Botanical Gardens

9400 Boerner Drive, Hales CornersFree Thursday concerts from 6:30 -8:30 p.m., through August 30.

www.countyparks.com.

Starry NightsWilson Center,

Gerlach Outdoor Theater19805 W. Capitol Dr., BrookfieldFree summertime Friday night con-

cert series. Shows begin at 6:30 p.m.rain or shine. (262) 781-9470 or visit

wilson-center.com.

Jazz in the ParkCathedral Square Park

Free concerts through September 6,Thursdays, 5 - 9 p.m., Happy Hour at5 p.m., Music starts at 6 p.m. Visit/www.easttown.com/events/jazz-in-

the-park.

Pere Marquette Park(On Old World Third Street be-tween State and Kilbourn)

Wednesdays 6:30 - 9 p.m. throughAugust 29. Free to the public. Visit/www.westown.org for more infor-

mation.

ARTS ENTERTAINMENTcalendar



ON-GOINGAfternoon Dance

American Legion Post #4493245 N. 124th St., Brookfield

Everyone Welcome! Second Mon-day every month, 1:30 - 3:30 p.m.,

$3, Big Band dance.• • • • •

Charles Horwitz PlanetariumS14 W28167 Madison St.,

WaukeshaVisit

www.waukeshaschools.com/planetfor more information on upcoming

programs.• • • • •

The French Canadian/Aca-dian Genealogists of Wiscon-

sinMayfair Mall, Hwy. 100 and NorthAve. Meets each month, 7:30 p.m.,visit www.fcgw.org for details.

• • • • •Milwaukee Art Museum700 N. Art Museum Dr.

Open 10 a.m. - 5 p.m. Tuesday -Sunday. Call (414) 224-3200 or go to

www.mam.org.• • • • •

Milwaukee County RSVP – In-terfaith Older Adult Programs,

Inc.If you are 55 years of age or better

contact Lynn at (414) 220-8651 to bea volunteer.• • • • •

Museum of Wisconsin Art300 South Sixth Ave., West BendPublic hours, Wednesday – Satur-day 10 a.m.-4:30 p.m. and Sunday

1–4:30 p.m. (262) 334-9638/www.wisconsinart.org.

• • • • •O.A.S.I.S.

2414 West Mitchell StreetFifty Five Plus Travel Club meets

monthly. For details, call(414) 647-6041.

• • • • •Potawatomi Bingo Casino

Senior Day is every Tuesday of themonth. That means more chances foryou to win! Fire Keeper's Club®

members 55 and older.• • • • •

Schlitz AudubonNature Center

1111 E. Brown Deer Rd.,Milwaukee

Call for information at(414) 352-2880 Ext. 0.

• • • • •

Sociable SinglesProvides various events for singles

55 and older in Washington, Ozaukeeand Northern Milwaukee Counties.

Call Kathi (414) 416-4624 orNorman (262) 628-1278.

• • • • •Mature Singles

Interested singles 50 and older joinus at our many events. Please call(414) 748-0278 for more informa-

tion.• • • • • • •

Square Benders ClubModern square dance lessons for

singles and couples. Call for detailsat (414) 355-9424/(414) 964-5443.

• • • • •Stillwaters Cancer Support

Services434 Madison St., Waukesha

Visit www.stillwaterscenter.org or(262) 548-9148.

• • • • •Racine Art Museum Free Fri-

dayRAM, 441 Main Street, Racine

For details, call (262) 638-8300 orramart.org.• • • • •

Vagabond Ski & Social ClubKnights of Columbus Hall

3200 S. 103rd & Oklahoma Ave.Meeting and dance; with the fun

music of "Dusk", on Wednesday, Au-gust 1, 8:30 (dance). An active socialclub for singles and married couples.Meeting and dance, 7:30 (meeting).

Admission fee.www.vagabondskiclub.com.

• • • • •

Waukesha CountyGenealogical Society

WCGS meetings are free/individ-ual membership is $12/yr. For detailsvisit www.rootsweb.com/~wiwcgs/.

• • • • •West Allis Public Library Book

Sales7421 W. National Ave.

Sales are held the second Saturdayof each month

from 10:00 am to 3:00 pm.

ARTS ENTERTAINMENTcalendar

received from a hospital and evi-dence that supports taking med-ications or specific treatments. Ifyou don't hear from the company,follow up politely; you need themto listen to you. If the claim is stilldenied, contact the medical direc-tor in the company with yourcomplete documentation.If you're unsuccessful after

taking these first steps, considercontacting your state's insuranceoversight department. If you're ata loss or confused as to how toproceed, a nonprofit organizationsuch as the Patient AdvocateFoundation offers advice for free.Fee-based companies may alsohelp negotiate lower fees foruncovered services.

INSURANCE from page 6B


50 Plus August Issue

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