APRIL 2015 Cal Senior.pdf
Transcript of APRIL 2015 Cal Senior.pdf
-
8/9/2019 APRIL 2015 Cal Senior.pdf
1/24
CALIFORNIA
Senior
the CAPPUCCINO
CRUISERS in Folsom
walk with the
ANIMALS
APRIL 2015
Join
-
8/9/2019 APRIL 2015 Cal Senior.pdf
2/24
New Homes for Seniorsin Roseville
Welcome to Easy Living at Eskaton Village in Roseville
1040 Cabris Lane • Roseville, CA • www.silveradovillages.com
Call Today!
NEW Beautiful new detached homes with built in-conveniences and easy living design.
EASY Manageable sized homes. Less housework! No more yardwork! Beautifully maintained gardens and parks.SAFETY Gated community, 24-hour courtesy patrol and 24/7 Emergency Response.
FRIENDS Neighbors are all 55+, just like you! Dog park available for your furry friends.
FUN Wide variety of activities for IF and WHEN you feel like it. Indoor/Outdoor Pool and Village Center.
HELP Don’t burden the kids. Leave it to the pros! On-site help with meals, transportation & housekeeping if neede
Toll Free 877-417-6347
Starting at$295,000
-
8/9/2019 APRIL 2015 Cal Senior.pdf
3/24
Auburn
Ravine
Terrace Auburn Ravine Terrace provides you with the
opportunity to enjoy the retirement you'velooked forward to. Discover new
friends, places and activities,and rediscover old favorites.
Join us for lunch and a tour so we can show
you the lifestyle that we know you would enjoy.
Call us at 530-823-6131 or e-mail us at:
Non-profit. Faith Based
Residential Living • Assisted Living
Skilled Nursing • Respite Care
Affordable Housing for Older Adults
Affordable Housing for People with Disabilities
750 Auburn Ravine Road, Auburn, CA 95603
530-823-6131 • www.auburnravineterrace.org
Assisted Living License #317000174 • Skilled Nursing License #030000172
Broker Over 40 Years of Experience in Residential Sales13 Years of Specializing in Del Webb’s Sun City
Communities of Lincoln Hills & Roseville
GAIL CIRATABroker
(916) 206-3503
[email protected]~Broker
[email protected]#00481659
• Veteran’s aid and attendance beneft• We match your loved one’s special needs to their care options• We review state evaluation & violation records of local providers
• Professional client care discovery & assessment
“Better Senior Living Choices”
Ronald Demske, M.A., C.S.A.
Certifed Senior Advisor
www.CarePatrol.com
A FREE Community Service For Over 20 Years!We help families find Independent Living, Assisted Living and Memory Care
DIRECT: (530) 305-4085OFFICE: (916) 580-3280 We Help Find
* Assisted Living
* Memory Care
* Independent Living
-
8/9/2019 APRIL 2015 Cal Senior.pdf
4/24
ON THE COVER
INSIDE
CAPPUCCINO CRUISERSCLUB COORDINATORRay Marchese withgranddaughter Danielle
Photography by Anne Stokes
APRIL 2015. Produced byGold Country Media
EDITORIAL INQUIRIES
ADVERTISING INQUIRIES
PUBLICATION DESIGNED B
Penne Usher penneu@goldcountrymedia.
Rebecca Regrutrebeccar@goldcountrymedia
Gold Country Media ServiceSmall business? Ask us about
Design [email protected]
Copyright 2015. All rights reserv
No part of this publication ma
be reproduced without written
permission of the publisher. Th
publisher shall not be responsib
for any liabilities arising from th
publication of copy provided b
any advertiser for California Sen
Magazine. Further, it shall not b
liable for any act of omission on
part of the advertiser pertaining
their published advertisement
California Senior Magazine.
CEO Jeremy Bur
(530) 852-02Jim Easterly(530) 852-02
Penne Ushe(530) 852-02
Rebecca Re(530) 852-02
Laura Smith(530) 852-02
Laura Newe
Anne StokeArt Garcia
CONTRIBUTING
WRITERS
GENERALMANAGER
EDITOR
PROJECTDIRECTOR
ART DIRECTOR
CALIFORNIASenio
CAPPUCCINO CRUISERSDrive into Folsom06
SACRAMENTO ZOOTea and Tours08
BAYSIDE ACTIVITESGroups to join10
WALK WITH EASEIn Partnership with Arthritis Foundation12
FINANCIAL COLUMNwith Art Garcia14
SENIOR COLUMNGet Organized with Jamee Horning15
LEGAL COLUMNEstate Planning16
CALENDARConnected with your community18
RECIPEGrilled Lamb Loin Chops21
GAMES
Brain games
23
08
10
21
06
-
8/9/2019 APRIL 2015 Cal Senior.pdf
5/24
-
8/9/2019 APRIL 2015 Cal Senior.pdf
6/24
6 | APRIL 2015
CAPPUCCINO CRUISERS
anyone who is a classic car enthusiast and on
occasion wants to help. Our motto is family,
friends, fun and classic cars.”
Marchese said the overall goal of the evening
is to provide a family-friendly atmosphere
where classic car owners can come to compare
and show o their cars and people of all ages
can come to look at the cars and reminisce.
“Older folks like to reminisce; ‘I had one of
those, I did this in my rst car, etc.’ Those same
people can then tell their grandkids about
what they had and the memories,” Marchese
said. “For the owners, they are re-owning their
youth and what they did through getting that
car they had in high school back again. This is
an event for the whole family to do together
with no cost.”
DRIVE INTO FOLSOM
Along with their weekly cruise nights,
club also hosts several community-orien
classic car show events that give back to
community.
“In the past 19 years, we have contribute
organizations including The Twin Lakes F
Bank, The Orangevale Food Bank, The
som Zoo, Shriners Hospital, Folsom’s K-9
and Mounted Patrols, Boy Scouts, Rose
and Rocklin’s K-9 units and many otheMarchese said.
Marchese and his wife Chris are two of
original founders of the Cappuccino Crui
Classic Car Club.
“We decided in late 1995 to start a weekly c
FOR MORE INFORMATION
(916) 988-6376 or
visit capcruz.com
CAPPUCCINO CRUISE NIGHT
Events will be weekly from 4:30 -:30 p.m., starting Wednesday, April
5, in the parking lot next to Kohl’s at013 Riley St., Folsom.
By Laura Newell
Warm spring nights means it’s time
to cruise the streets with the longest
running and largest weekly cruise
night in Northern California.
“This is the start of 20 years for the Cappuc-
cino Cruisers Classic Car Club,” said Ray
Marchese, Cappuccino Cruisers Classic Car
Club events coordinator and DJ. “It is rolling
history, these classics can give comfort to folks
of days gone by when there were less worries
n life. You could leave your keys in the car
and unlike today it would be there when you
eturned to it.”
“The event is open to all automobiles made
prior to 1974,” Marchese said. “Our evenings
nclude music, raes, food and three spon-
ored awards weekly. The club is open to
Cappuccino Cruisers club coordinator Ray Marchese at home in Orangevale with his 1Ford Mustang which her purchased in 1992 and restored. Not one to keep this pony stabMarchese gets around town in this classic car.
Photos by Anne Stokes
-
8/9/2019 APRIL 2015 Cal Senior.pdf
7/24
CALIFORNIA SENIOR MAGAZINE
ic car gathering after my wife saw a notice
n the paper that a coee shop was interest-
ed in hosting something to attract business,”
Marchese said. “We met with the shop owner,
decided what and how we would approach
he get together and it began.”
Marchese said for other classic car enthusiasts
who want to join the club or get involved can
contact him.
“We are always welcoming new folks into the
group who might have just got a car, moved
nto the area with a car, just like looking at the
old cars and want to help, inherited a family
vehicle or are just interested,” Marchese said.
For more information, call (916) 988- 6376 or
visit capcruz.com.
Cappuccino Cruisers club coordinators Chris, left, and Ray Marchese at their Orangevale hwith their 1947 Dodge truck and 1964 Ford Mustang.
-
8/9/2019 APRIL 2015 Cal Senior.pdf
8/24
8 | APRIL 2015
The Sacramento Zoo has been a m
see family friendly attraction for o
80 years. Since opening in 1927, it
grown from 4 acres and 40 animal exhibit
14 acres and more than 500 animals. Throu
out the years, the zoo has gone through sev
waves of renovations in order to better s
the needs of its inhabitants, as well as to be
educate and engage the thousands of vis
that come through its turnstiles year after y
One such program that aims to inspire
educate visitors, and designed with sen
interests in mind, is the zoo’s Tea & To
program. On Monday mornings in May
September, seniors age 55 and older can ge
know more about the various animals on
hibit and their care.
“You get a nice tour where you get to w
around, see all of these animals, learn
facts, learn about their personalities, so
thing you wouldn’t get at your typical da
the zoo when wandering around,” expl
Tonya Candelaria, public relations coord
tor with the Sacramento Zoo. “And then
end the morning with tea, tea sandwic
cookies and light refreshing treats.”
A large part of the Sacramento Zoo’s mis
consists of education and conservation
grams, reaching an average of 60,000 to 80
students annually. Their Tea & Tours progra
designed to appeal specically to senior visi
“People forget that the zoo is for everyoneall ages. It’s not just for the little kids,” C
delaria said. “Animals fascinate people o
ages and [docents have] stories to tell. A
sometimes there are stories to tell that we c
tell the young children, which we can tell
adults. So this is a great time to come out
see the animals at your own pace.”
Reservations are $15 per person and neebe made two weeks in advance. They camade online at: www.saczoo.org or by phat (916) 808-5889
SACRAMENTOZOO TEA &TOURS
The Sacramento Zoo is home to a ock of American amingos. At the zoo’s upcoming Tea &Tours program for seniors, docents will share interesting information about animals such ashese, as well as insights into the animals’ care and behavior.
By Anne Stokes
Photos by Anne Stokes
-
8/9/2019 APRIL 2015 Cal Senior.pdf
9/24
-
8/9/2019 APRIL 2015 Cal Senior.pdf
10/24
0 | APRIL 2015
Most churches are sanctuaries with
open arms and open doors, but few
oer as many services, programs,
meetings and global outreaches as Bayside
Church with a Granite Bay campus in Rose-
ville and three aliated campuses in Folsom,
Lincoln, midtown Sacramento and the newest,
Blue Oaks in Roseville.
Bayside, aliated with the Covenant Church,
s devoted to the Bible and passionate about
being the “hands and feet” of Jesus. That min-
stry reaches out to everybody, including spe-
cial programs for seniors, all at no charge.
f you’re in your mid-50s or older and sin-
gle, divorced or widowed, you might check
out the Summit for Singles 55 and Better that
meets on Thursdays from 7 p.m. to 8:30 p.m. at
he Granite Bay campus.
The Summit is for those “in the same life stage
eeking friendly community, a closer connec-
ion with God and a broad range of activities,”as spelled out on the church Web site, www.
baysideonline.com.
Besides the program’s teaching and small-
group discussions, Summit seniors also enjoy
weekly activities to expand friendships while
adventuring on walks and easy hikes, kayak-
ing, golf, movies, theater, potlucks and game
nights. You can email singles@baysideonline.
com with questions and to obtain more infor-
mation. The Summit draws 50 to 60 men and
women seniors.
Also on Sundays, the church holds 9:45 a.m.
sessions called the 55+ Ministry. “It’s a teach-
ing environment. We have ‘rap’ tables and a
teacher,” said Steve Yarrow, Bayside’s Pastor
of Connections at Granite Bay in Roseville.
Attendance averages between 70 and 80 men
and women seniors.
The church also schedules several recov-
ery support groups. Celebrate Recovery for
Adults is scheduled from 7 p.m. to 9 p.m. ev-
ery Friday night. Dinner for $5 is available be-
tween 6 p.m. and 7 p.m.
A large Recovery group session, with personal
testimonies or guest speakers, is held from 7
p.m. to 8 p.m. and the 8 p.m. to 9 p.m. hour
is for open share small groups. Conversation,
coee and desserts priced at $1 are oered
between 9 p.m. and 10 p.m. at the Solid Rock
Café on the Granite Bay campus.
“We’re here to help with your hurts, hang
and habits and we’re here 52 weeks a year,”
church web site explains. “This experienc
recovery truly allows us to be changed.” Yo
welcome to stop by any time.
Men’s Recovery groups discuss substa
abuse, codependency, chemical addict
anger and sexual addictions. Wom
groups cover the same topics, plus love
relationships and physical and emotio
sexual abuse.
The Grief Share Support Group is a 13-w
video series oering support for those gr
ing the loss of a loved one.
Bayside mission teams have outreach t
planned for this summer to Cambodia, G
dalajara, Colombia and the Czech Republi
Sunday church services for adults and kids
at 9:30 and 11:15 a.m. and 6 p.m., with w
end attendance put at more than 10,000. niors help by serving at the gatherings.
For more information on programs
classes, visit the Bayside web site or
(916) 791-1244.
ACTIVITIES IN ABUNDANCE AT
BAYSIDEy Art Garcia
-
8/9/2019 APRIL 2015 Cal Senior.pdf
11/24
CALIFORNIA SENIOR MAGAZINE |
Photos Courtesy of Bayside Covenant Church......... then you want to give us a call. Our CD alternative is payingminimum of 5% per annum, paid to you monthly! No waiting arouuntil the end of the term to receive your interest!
• Your Principal and interest are 100% secured• No long term commitments • short durations of about one y• This is NOT an insurance product• This is NOT an annuity• This is NOT risky stocks, bonds, options, REITS or BDCs
• This is NOT Gold, Silver or any other Commodities• There are no transaction fees or commissions for you toEVER. 100% of your deposit goes to work for you immedia
We have been providing safe money solutions to the residents of Northern California for over 4 4 years. To learn more, why not givcall today while this is fresh in your mind. There is no cost or obli
The retirement specialists
and insurance servicesGOLDEN YEARS FINANCIAL
1-800-220-8993
John M. PeplowskiCA Lic. #0417079
IF YOUR BANK IS NOT
PAYING YOU AT LEAST
5% ON YOUR CDs
916-757-7445WWW.NORTHVALLEYSP.COM
WWW.FACEBOOK.COM /NORTHVALLEY
North Valley Senior Placement
• Client needs assessment• Personalized list of senior housing options• Scheduled and guided community tours• Support and education
A FREE Senior Housing Placement Service
Free services we provide:
North Valley Senior Placement
SEARCHING FOR SENIOR
HOUSING OPTIONS FOR
YOURSELF OR A LOVED ONE?
Let us help youeffectively navigate
options available in youarea based
on your desiredamenities and budget
John & Megan Robertson | Ow
-
8/9/2019 APRIL 2015 Cal Senior.pdf
12/24
2 | APRIL 2015
Placer Independent Resource Services
(PIRS), in partnership with the Arthri-
tis Foundation continues to provide
The Arthritis Foundation Walk with Ease
Program for adults over 60 in Placer Coun-
y. PIRS will be providing this program from
March 16, through April 23, 2015 at the John-
son-Steamview Park located at 5480 Fifth
Street in Rocklin. The group will meet Mon-
day, Tuesday and Thursday from 10 -11:00am for a total of 18 sessions for this compre-
hensive program. This is a free program to
all senior participants.
Walk with Ease is a structured walking pro-
gram that oers support, information and
ools to help participants develop successful
exercise routines. Individuals join others
n an eighteen session group series led by a
certied leader. During the program, partic-
pants will learn proper stretching and pain
management techniques, as well as build
stamina and walking pace. The program
can even be modied to meet the needs of
individual participants so that each person
can develop an exercise routine that ts their
unique goals.
Pre-registration for The Arthritis Foundation
Walk with Ease Program is necessary. Please
let us know if special accommodations are
necessary. If you are interested in attending,
or for more information, please contact Mi-
chele Irwin, certied Walk with Ease Instruc-
tor, at Placer Independent Resource Services
(PIRS), 11768 Atwood Road, #29, Auburn,
CA 95603. (530) 885-6100 ext. 12, TTD, (530)
885-0326, [email protected].
PIRS is a non-prot, independent living cen-
ter. Our mission is to advocate, empower,
educate the community and provide services
for people with disabilities enabling them
control their alternatives for independent
ing.
The Arthritis Foundation is the lead
health organization addressing the need
some 46 million Americans living with
thritis, the nation’s most common caus
disability. Founded in 1948, with headqu
ters in Atlanta, the Arthritis Foundation
multiple service points located through
the country and oers programs that can
crease the pain and disability associated w
arthritis.
WALK WITH EASE PROGRAM IN PLACER COUNTY
-
8/9/2019 APRIL 2015 Cal Senior.pdf
13/24
CALIFORNIA SENIOR MAGAZINE |
Specializing in Active Adult Communities for
Over 17 Years!• Active in Real Estate and Lending for over 32 years• Coldwell Banker Top Producer
916-412-9190 • [email protected]
1500 Del Webb Blvd. #101, Lincoln, CA 95648
Donna Judah
FREE HOME MARKET EVALUATIONFREE PARTIAL STAGING & VIRTUAL
TOURS ON A NEW LISTING!
Let Me Help You
Find Your New Home!
CalBRE#00780415
Don't Have Dental Insurance?Now you can go to the dentist for a huge discount with our new membership progr
916-543-8800
LINCOLN SMILES ADVANTAGEJoin as an individual or a family (additional discounts may apply) Yearly membership fee includes:
• 2 cleanings • Exam • Unlimited X Rays • Higher discounts for any treatmentQuality gentle and affordable dentistry is now possiblefor anyone.
Se Habla Español
Call Today!Eloisa Espiritu, DDS
2295 Fieldstone DrSuite 240, Lincoln
www.LincolnSmilesDenta
LAW OFFICES OF
LAWRENCE SOLORIOMEDI-CAL & ESTATE PLANNING
http://www.sololaw.net/
• Wills, Trusts and Powers of Attorneys• Medi-Cal Planning and Asset Protection
• VA Aid and Attendance Benet Planning
916.536.1773
Harlow’s Help At Home, Inc.
Harlow's Help At Home
Provides
In Home Care
Need but don’t know where to turn?• Recovering from surgery?• Have a chronic health condition?• Does a family member need help due to thechallenges of aging?
Serving All of El Dorado County Since 1997Providing Care 24 Hours A Day, 7 Days a Week
We work with your insurance.
1-877-622-9020 www.harlowhelpathome.us
4535 Missouri Flat Rd., Ste. 2HPlacerville, CA 95667
(530) 622–9020
13405 Folsom Blvd., Ste 503Folsom, CA 95630
(916) 933-9050
LOOK AGAIN!
Since 1982
We’re here solely for your comfort! MON-FRI 9:00-5:30
SAT 9:00-5:00
SUN 11:00-4:00
825 Lincoln Way | Downtown Auburn530.885.2091 | www.footpathshoes.com
Know What You Want? FREE SHIPPING!Mention This Ad & Receive 10% OFF
Available
in Black,
Santolina,
Sky or Rose
FUNK$132
“You won’t realize they’re SAS until you feel their comfort.
-
8/9/2019 APRIL 2015 Cal Senior.pdf
14/24
4 | APRIL 2015
President Obama in February
called for tougher standards
for investment brokers
who manage retirement savings
accounts, requiring them to act in
a client’s best interest by disclosing
any fees or other payments they
receive for recommending certain
investments.
He lashed out at nancial
advisors who, he said, are
“bilking” clients for their own
benet and peddling “snake oil.” The proposed rules, which the
White House can enact without congressional approval, would require
hat nancial advisors act as duciaries for their clients, putting the
customer’s interests before their own compensation or company
prots when recommending buying or selling investments.
Under current rules, brokers are required to recommend only
“suitable” investments, based on nances, age and how much risk is
appropriate for the client. “We already use the duciary standard. We
hink the Obama proposal is a really good idea,” said Tia Florence, a
certied nancial planner with Lane Florence LLP, a nancial planning
rm with oces in Folsom and Cameron Park. “What ever happens
at an adviser’s desk should be a better deal for the investor than it is
or the adviser,” she said. “Stepping up the bar on advising retirement
plans is a good thing.”
A report by Obama’s Council of Economic Advisors estimated that
nvestors receiving “conicted advice” earn lower returns, about
1 percentage point a year, than other investors. That runs up to
approximately $17 billion in lost returns, just in individual retirement
accounts. Over time, the report said, the losses can amount to tens of
housands of dollars for the average worker. A fact sheet distributed by
he White House said imposing a duciary standard on brokers wouldcrack down on “backdoor payments and hidden fees.”
The proposals were submitted by the Department of Labor to the
White House for review and later will go out for public comment. The
agency recommended similar regulations ve years ago but they were
beaten back by heavy opposition from the nancial industry and some
n Congress from both parties. The industry reportedly handles $11
rillion in Americans’ retirement savings.
“The corrosive power of ne print, hidden fees and conicted advice
can eat away like a chronic illness at people’s hard-earned retirement
TOUGHER RULES FOR RETIREMENT FUND ADVICE
ADVICE
savings,” Labor Secretary Tom Perez said. The nancial indu
counters that the White House and Labor Department have disto
the issue and disregarded existing tough regulations for investm
brokers.
“We have ongoing concerns that the Department of Labor and
White House have completely ignored the existence of the rob
regulatory regime under the Securities and Exchange Commission
the Financial Industry Regulatory Authority, and this re-proposal co
make it harder to save for retirement by cutting access to aord
advice and limiting options for savers,” said Kenneth Bentsen, c
executive of the Securities Industry and Financial Markets Associat
“Fiduciary responsibility means you’re acting as the client’s conscie
in a sense. You’re acting as their guardian angel,” said Nich
Crane, senior vice president and portfolio manager at RBC We
Management in El Dorado Hills. “How the whole thing plays
you’ve got me. Our industry is ghting the Obama proposals h
Our industry likes to make money for itself.”
Crane, an investment adviser for 33 years, said he “always” acts in
clients’ interest. “I’m held to a duciary standard. I have discretion
management of client portfolios. I must---not only by law, but in g
conscience---act in my clients’ best interests.”
Many investment rms don’t want the duciary standard, prefer
a suitability standard. “Yet the government wants to insist
recommendations be made on a duciary basis, where you’re actin
behalf of the client, versus trying to sell something to the client,” Cr
said. “Do I think duciary is a better standard? I sure do.”
Art Garcia is a former Wall Street Journal reporter and has wri
on business and nance for numerous national and internatio
publications. He lives in El Dorado Hills.
By Art Garcia
-
8/9/2019 APRIL 2015 Cal Senior.pdf
15/24
CALIFORNIA SENIOR MAGAZINE |
JAMEE HORNING | Executive Director, Seniors First
TIME TO TACKLE HOME SAFETY
AND REPAIR PROJECT
and family heirlooms are chronic
photographed and within a few steps’ re
In the event of an emergency, you wil
thankful you have them handy.
Looking for resources or assistance with y
spring cleaning tasks? Seniors First oe
free Senior Resource Guide with listings
local handyman, electrician, plumbing
contractor services.
Seniors First can also help if you, a loved oor someone you know is unable to take
these tasks because of nancial or phys
limitations. The Home Modication
Repair Program provides for quick
and small projects, which can typically
accomplished in a matter of days.
For more information on these and other services for Placer County seniors,contact: Seniors First at (530) 889-9500 or visit www.seniorsfirst.org
There’s something about the warming
temperatures and budding owers that
produce an almost irrepressible urge to
organize, de-clutter and clean. As you bring in
spring by tackling your closets, junk drawers
and windows, also consider these helpful tips:
The recent return to Daylight Savings Time is
a benchmark for changing batteries in smoke
and carbon dioxide detectors. If you haven’t
done so already, make sure all detectors are in
working order and have fresh batteries.Are your banisters, towel bars, doorknobs and
other safety handles secured appropriately?
Maybe now is the time to install grab bars at
the bathtub or a ramp up the front steps.
Make sure important documents, valuables
Transform Your BathroomFrom the Most Dangerous Room in the House to a Safe Haven
Don’t be one of the 250,000 people each year the CDC says visit the emergency room because of injuries suffered in the bathroomTheir studies show that bathing and getting out of the tub are the most dangerous activities.
Why Do More Seniors Choose Us To Transform Their Bathroom?
✔ We Can Convert Your Bath Into A Low Threshold Shower
✔ You Can Choose A Walk In Tub With Therapeutic Jets
✔ Lifetime Warranty Including All Seals
✔ Easy To Clean
✔ Prevents Mold & Mildew
✔ Good Housekeeping Seal Means 2 Year Money Back Warranty
In As Little As One Day & Half The Cost Of Traditional Remodeling
$599 OFFPLUS GET A FREE SAFETY
PACKAGE (worth $599)
1 2 M o n t h I n t e r e s t F r e e
0 % F i n a n c i n g A v a i l a b l e
2500 Del Monte St., West Sacramento
www.usabath.com/sacramentoLicense #984796
Home Of
Call to schedule a FREE in-home consultation! 877-985-3774Savings are on a complete bath or shower remodel which includes bath or shower and walls. Cannot be combined with any other offer. Financing available on approved credit. Expires April 30, 201
-
8/9/2019 APRIL 2015 Cal Senior.pdf
16/24
6 | APRIL 2015
Many people create a Trust or a Will
package with their attorney and after
they sign all of the documents, they
set it aside and never look at it again until an
emergency arises or someone in the family
has passed. In addition, when they did their
planning they forgot to mention a few things
that should have been included in their plan in
the rst place.
I have listed below some reasons why you
may want to meet with your attorney to update your estate plan as
follows:
You have a disabled child or grandchild that will inherit from your
trust. This requires the attorney to put specic language into the trust
that allows the trustee to create a 3rd party Special Needs Trust for
the beneciary at the time of distribution of your trust which will a)
allow the disabled beneciary to keep their Medi-Cal, SSI and other
such benets, b) avoids recovery by the State when the beneciary
has passed and c) avoids the need to have to go to Court to create
this type of trust for your disabled child upon your passing to protect
their inheritance and benets.
You have children who cannot manage the inheritance they will
receive from the trust because the beneciary a) has prior bankruptcies
ssues, b) has never shown the ability to manage their nancial aairs
without help, c) has a history of drug or alcohol abuse, d) has past
due child support issues and e) has multiple creditors trying to
recover against any money they receive from their inheritance. This
may require your trust to have specic language to make distribution
nto a Spendthrift Trust or similar device for the beneciary. This type
of trust can limit the amount given to the beneciary at any one time
REMEMBER ... “IT’S YOUR LIFE. SO PLAN FOR IT”.
DOES YOUR ESTATE PLAN NEED
TO BE UPDATED?
(to make it last) and it can also limit or stop third party creditors
ex-spouses from going after your child’s inheritance.
You have an A/B Trust (most people don’t they have one or not) w
are specically designed for a) couple’s in a second marriage or b
estates that exceed $5 million dollars in value. You will want to ask
attorney if an A/B Trust is right for you or should you “restate y
trust” to from an A/B Trust to a simple A Trust to avoid the high-co
setting up and managing an A/B trust.
You have a pets that you want to insure are taken care of especif you are very close to your pets. You can ask the attorney to crea
special Pet Trust and Pet Power of Attorney documents for your
and fund it with funds from your trust upon your passing, or, inc
language in your trust with directions to your trustee of what to do
your “furry children” upon your passing. A pet trust will insure
your pet(s) are properly taken care if you lose capacity or at the tim
your passing.
You or your spouse are reaching the age where you may need e
care assistance at home or elsewhere and you want to discuss a) how
become eligible to apply for the Veteran’s Aid and Attendance ben
to help you pay for such elder care needs and/or b) how to protect y
assets should one (or both) of you wind up in a nursing home and hto apply for Medi-Cal long-term care benets to help pay for the
cost of your nursing home care. You’ll probably need to see an Elder
Attorney to discuss how to properly protect your assets and apply
these types of benets for your elder care needs when the time com
So if it has been awhile since you reviewed your Trust, Will or o
estate planning documents, you may want to meet with your atto
and while you are there…ask them about the one or two items discu
above which may apply to your and your family.
By Lawerence Solorio
[email protected]#333076
If you are over 62, a ReverseMortgage allows you more Income
by Paying Off your Mortgage orTapping into your Equity or Both.
Call about FREE Reverse Mortgage Workshops! Learn the pros and cons of using your home equity to
supplement your retirement income and Enjoy Life more!
Michelle Belmonte, Mortgage Loan Specialist
-
8/9/2019 APRIL 2015 Cal Senior.pdf
17/24
CALIFORNIA SENIOR MAGAZINE |
We Help With:
• In-Home Care Services
• Assisted Living Communities
• Residential Care Homes
• Hospice Care• Consulting Services
• Respite Care
Kelly Stimbert 916.990.1317Senior Care [email protected]
Cassie Sakahara 916.390.5345Senior Care [email protected]
Free Senior Placement &
In Home Care Referral Service
www.aseniorconnection.com
• Rapid Response 24/7
• Veteran’s Aid & Attendance
Pension
• Personally Guided Tours
• Follow Up To Assure You’re Happy • Support – From Start To
Finish, We Are Here
www.norcallaserlipo.com
-
8/9/2019 APRIL 2015 Cal Senior.pdf
18/24
-
8/9/2019 APRIL 2015 Cal Senior.pdf
19/24
CALIFORNIA SENIOR MAGAZINE |
he Elks Lodge, Number 6, 6446 RiversideBlvd. in Sacramento. Tickets: $10 members,$15 non-members, $5 student members, $7tudent non-members. Event features: Like
Lipskin on piano. Info: sacjazz.org.
TAIZE SERVICE, an evening of meditation,prayer and peace, at 5:30 p.m. at BethlehemLutheran Church, 1279 High St. in Auburn.nfo: (530) 885-1266.
MONDAY, APRIL 13
DAYTIME BOOK CLUB meets from 11 a.m.
o 1 p.m. at Face in a Book, 4359 TownCenter Blvd., No. 113 in El Dorado Hills. Thismonth’s book is Five Quarters of the Orangeby Joanne Harris. Info: (916) 941-9401,getyourfaceinabook.com.
WALK WITH EASE PROGRAM from 10-11 a.m.Mondays, Tuesdays and Thursdays March 16hrough April 23 at Johnson-Springview Park,
5480 Fifth St. in Rocklin. Free to all seniorparticipants. Pre-registration is necessary.nfo: Michele Irwin, (530) 885-6100, ext. 12,[email protected].
DARTUESDAY, APRIL 14
ROSEVILLE GENEALOGICAL SOCIETY from1-3 p.m. at Maidu Senior Center, 1550 MaiduDr. in Roseville. Info: rgsca.org.
ROSEVILLE HISTORICAL SOCIETY at 4 p.m.at the Carnegie Museum, 557 Lincoln St.,Roseville. Everyone is invited. (916) 773-3003.
WEDNESDAY, APRIL 15
BINGO ROUND-UP from 1-3:30 p.m. and from6-8:30 p.m. at the Blue Goose Event Center,3550 Taylor Road in Loomis. Cost: $25 advanceand $30 at the door, per session. Info: (530)305-3508, bingoroundup.eventbrite.com.
LINCOLN GOLDEN CLUB at noon at Lincoln Veterans Hall, 541 Fifth St. in Lincoln. Meetingsare followed by potluck luncheon and Bingo.Info: Mary Weir, 645-2818.
THURSDAY, APRIL 16
SONS IN RETIREMENT BRANCH 79 meetsat 11 a.m. followed by lunch at the AuburnElks, 195 Pine Street, Auburn. All retired meninvited. Info: Ken Hansen at (916) 622-2757.
CAREGIVER SUPPORT group from 9-10:30a.m. Lincoln Library every third Thursday of
the month. Sponsored by the AlzeheimAssoc. and Sutter Hospital. Communitwelcome to attend.
FRIDAY, APRIL 17
ROOSTER TAILS FISHING CLUB of NortCalifornia breakfast meeting at 7 a.m. atAuburn Elks Lodge, 195 Pine St. Lincoln Win Auburn. Open to the public. Info: (5887-0479, [email protected].
SATURDAY, APRIL 18
NEW ENGLAND CONTRA STYLE DANCwith the Foothill Country Dancers at 8 pat Newcastle Portuguese Hall, 690 TaRoad in Newcastle. Live music by Starthiwith caller Jean Gibson-Gorindo. Costmembers, $9 non-members, $5 childand $20 families. No experience necessnewcomer orientation at 7:30 p.m. Info: Loat (530) 346-0099, foothilldancers.org.
SUNDAY, APRIL 19
ATTEND THE GRACEPOINT WELLN
CENTER from 2-5 p.m. at GracepAdventist Church, 3500 Sunset Blvd., RocEvery third Sunday. Get a computerhealth evaluation, free of charge. Info: (624-4877, graceisthepoint.org, ofgraceisthepoint.org.
SATURDAY, APRIL 25
FOLSOM GARDEN CLUB GARDEN TOfrom 11 a.m. to 4 p.m. Saturday and SunFirst garden is at 400 N. Lexington DrivFolsom. Cost: $15.50. Proceeds benet FGC Scholarship and Grant Programs. Ifolsomgarden.ipage.com/ftp.ipage.c
index.html
MONDAY, APRIL 27
FOLSOM HISTORICAL SOCIETY GTOURNAMENT shotgun start at 8:30 a.mEmpire Ranch Golf Club, 1620 E. Natoma SFolsom. Fees: $110 before March 15 and $after. Entry deadline is April 15. Event inclugolf, cart, range balls, a deli lunch and a raInfo: Candy Miller 988-7699, folsomcansbcglobal.net, folsomhistorymuseum.org
TUESDAY, APRIL 28
“DEMENTIA AND ALZHEIMERUNDERSTANDING THEIR WORLD” at 10 at Lincoln United Methodist Church, 6I Street in Lincoln. Free. Discussion ledSharron Spotts, Certied Senior Advisor. 645-3588, lincolnunitedmethodistchurch.c
WEDNESDAY, APRIL 29
DAYTIME BOOK CLUB meets from 11 to 1 p.m. at Face in a Book, 4359 TCenter Blvd., No. 113 in El Dorado Hills. month’s book is Five Quarters of the Oraby Joanne Harris. Info: (916) 941-94getyourfaceinabook.com.
visit our website: www.calsenior.com
BIG DAY OF GIVING
From midnight to midnight on May 5th, go to bigdayofgiving.org and give to the nonprofits
hat lift up lives and make this the place we call home. Join us for the Placer County BIGDog
Kick-Off Party on Tuesday, May 5 from 10a-2p at Center Court, Westfield Galleria at Roseville.
-
8/9/2019 APRIL 2015 Cal Senior.pdf
20/24
20 | APRIL 2015
INSURANCES WELCOME • ALSO LOCATED IN PLACERVILLE
AUBURN1730 Grass Valley Hwy, Ste. 500
(530) 889-8660www.miracle-ear-auburnca.com
ROSEVILLE9700 Fairway Dr., Suite 120
(916) 772-4327www.miracle-ear-rosevilleca.com
MIRACLE-EAR PROVIDES COMPLETE HEARINg SOLUTIONS
Deciding to wear hearing aids is a big step, no matter how long you’ve been living with hearing loss. That’s why Miracle-Ear® brings you the most sophisticated technology in a range of hearing solutions with price options to fit your budget — in order to make the transition as easy as possible for you. • An industry-leading limited three-year warranty • Free ofce visits and follow-up care • Personalized programming • Free annual hearing tests* • Free cleaning and adjustments • Nationwide service at 1,200+ locations across the U.S.
HURRY, SPECIAL OFFER ENDS 4/30/15
Valid at participating Miracle-Ear locations only. Not valid with any other discount or offer.Does not apply to prior purchases.
*Our hearing evaluation and video otoscopic inspections are always free. Hearing evaluations is an audiometric evaluation to determine proper amplication needs only. Theseare not medical exams or diagnoses nor are they intended to replace a physician’s care. If you suspect a medical problem, please seek treatment from your doctor.
570 Fifth Street, Lincoln, CA 95648
Tel: 916-434-1022
www.AdamsFiduciary.com
E-mail: [email protected]
BRING IN THIS AD FOR A FREE CONSULTATION
REVERSE MORTGAGES - Learn The Facts Join Stan Atkinson for a
Free Informative Lunch Event
www.thereverseshow.com
Wednesday, May 6th11:30am
Marie Callender’s Restaurant5525 Sunrise Blvd
Citrus Heights, 95610
RSVP 916-761-6100
“My wife and I did our Reverse Mortgage overthree years ago. That eliminated our $900 a monthmortgage payment and made it one of the bestfinancial decisions we’ve ever made.Join us to see if it will also make your life easier andmore financially secure! I encourage you to attend!”
Stan Atkinson,
Retired News Anchor, paid spokesperson
Reverse Mortgage Solutions, Inc.dba Security 1 Lending. NMLS ID 107636.
Loans will be made or arranged pursuant to California Department ofCorporations Residential Mortgage Lending Act
License #4131074
-
8/9/2019 APRIL 2015 Cal Senior.pdf
21/24
CALIFORNIA SENIOR MAGAZINE |
COOKING
1/3 cup extra-virgin olive oil
1-2 garlic cloves, peeled &diced
1/3 cup parsley leaveschopped
1/3 cup cilantro leaveschopped
1/3 cup basil leaves chopped1/2 tsp kosher salt
1/4 tsp fresh black pepper
DIRECTIONS:Prepare all ingredients andplace in blender, mix well. Ifyou wish you can just pulse itto get a more rustic texture.
Let the mixture rest allowingthe avors to blend.
1 red bell pepper
4-5 asparagus spears
1 small red onion
DIRECTIONS:Brush all vegetables withcanola oil and grill on highuntil nicely charred turn-ing every 3 minutes or so.When ready, remove thered bell pepper to a bowland cover with plastic wrapuntil it cools. This will makethe skin easy to peel offbefore dicing the veggiesto put in the cooked couscous. After cooling the veg-gies give them a mediumdice and set aside.
Cook according to directionson package. Add the dicedalong with 1 tbls of extra vir-gin olive oil to keep the couscous from clumping.
6 lamb chops, about 1” th
DIRECTIONS:Remove the chops from marinade and pat dry onper side with a paper towto remove excess oil. Plathe chops on a tray andsprinkle liberally with therub made earlier.
Heat the grill, or a grill pover high heat, add thechops and sear for aboutminutes.
Flip the chops over andcook for another 3 minutfor medium-rare and 3 1/minutes for medium.
Pairs well with Syrah/Shir
1/4 tsp cinnamon
1/4 tsp cayenne pepper
1/4 tsp Chinese five spice
1 tsp paprika
1 tsp cumin
1 tsp garlic powder
1 tbls chili powder
1 tbls coriander
DIRECTIONS:Place ingredients in bowland whisk well to mix.
DANNY Z’S GRILLED LAMB LOIN CHOPS
WITH GRILLED VEGGIE COUS COUS
MARINADE
CHIMICHURI GRILLED VEGGIES LAMB
COUS COUS
MOROCCAN RUB
FOOD COLUMNISTMost of us have only enjoyed a nice lamb dish at an upscale res
rant. Why not make this easy-to-prepare dish at home?The secret – and I know this sounds rather simplied – is to not
cook the meat.
Many are tempted to cook the meat until it isn’t pink, which is wr
After seeing many a TV chef prepare lamb, I decided to try it for
self. I have been a fan ever since.
You need to have the condence and know it’s OK to undercook
little at rst. You can always leave it a little longer, but you can’t
cook overdone food.
Zest of 1/2 & juice of 1lemon3 cloves of peeled dicedgarlic3/4 cup extra virgin olive oil1 tbls fine chopped rose-mary1/4 tsp kosher salt1/4 tsp fresh cracked blackpepper
DIRECTIONS:
Place all ingredients in a largbowl and whisk well
Place the lamb loin chops inmarinade and set aside. Thetime it takes to prepare thenext steps is perfect amountime for the chops to pull inavors of the marinade.
Dan Zahra | fooddudedan@gmail.
-
8/9/2019 APRIL 2015 Cal Senior.pdf
22/24
916-424-4400
ATTENTION VETERANS(or their family members)
I Buy WWII Military Souvenirs:German, Japanese, U.S.
$ TOP CASH $for Daggers, Helments, Medals,
Uniforms, Flags, Antique Guns
(916) 300-8045
We Can’t Predict... But We Can Prepare! Protect your assets and loved onesagainst the high cost of long-term care.(Long-term care insurance, term, universallife, fixed income annuities and more!)
Call Today for a Free Quote! (800) 936-6690
Mavis LombardiFinancial Alliance Insurance Services
(916) 276-6994
www.FinancialAllianceInsuranceServices.com
-
8/9/2019 APRIL 2015 Cal Senior.pdf
23/24
CALIFORNIA SENIOR MAGAZINE |
BRAIN GAMES
PUZZLE NO. 4
HOW TO PLAY:Fill in the grid so that every row, every column and every 3x3 box containsthe numbers 1 through 9 only once.
Each 3x3 box is outlined with a darker line. You already have a fewnumbers to get you started. Remember: You must not repeat the numbers1 through 9 in the same line, column or 3x3 box.
_
PUZZLE NO. 758
01. Kitchen boss
05. Certain sprite
08. Garden tube
12. Laze around
13. Golf score
14. Has a mortgage
15. Up to the task
16. Dreams up
18. Snoop
19. Highway sights
20. Bird cry
22. Comes in
26. Bed coverings30. Travel on water
31. ________ the mark
32. Sports groups
35. Fitness resort
36.________ - friendly
38. Farthest down
40. Conquer
43. Denial
44. Bouquet
46. London streetcar
50. Physically active
53. Angel’s headdress
54. Anna’s post
55. Scoring serve
56. Unwritten
57. Garment edges58. Supervised
59. Brood’s home
01. Large family unit
02. Drifter
03. House extensions
04. Sheep’s coat
05. Incident
06. Fancy gold fabric
07. Picture border
08. Raises
09. Have title to
10. Look
11. Racetrack feature
17. Card game
21. Stable grain23. Slacken
24. Gashes
25. Narrowboard
26. Wall component
ACROSS DOWN
27. Stance
28. Great Barrier _______
29. Pathetic
33. Threatened
34. ________ horse
37. Kingdoms
39. Bigsnake
41. “You ____ My Lucky Star”
42. Sum
45. Mickey and Minnie
47. Not common
48. Woe is me!
49. Shed50. Pale gray
51. Deadlock
52. Cut of pork
For puzzle answers go to: www.calsenior.com
-
8/9/2019 APRIL 2015 Cal Senior.pdf
24/24