Senior Spectrum Newspaper September 2014

SeniorSpectrumNewspaper.com / September / 3

In the lastissue of SeniorSpectrum,Editor’s Deskwas devoted tothe RegionalTransportationCommissionconvening aBlue RibbonCommittee

(BRC) to consider options toimprove Washoe County’s ail-ing transportation system.

The RTC has only convenedtwo other BRCs in the past,both resulting in measures thatwent before the voters. Thecurrent BRC, composed of

businessmen, community lead-ers, advocates, and representa-tives of the disabled, is meetingregularly in efforts to under-stand how the RTC operates itsprograms, and the revenueneeded to carry the systeminto the future. RTC is facingreal operation and budgetshortfalls moving forward dueto the economy, lower propertytaxes, cuts in federal grants,and a steady increase in rider-ship.

Taking these issues into con-sideration, the most pressingconcern is communicatingthese matters to Washoe

(Editor’s Desk page 4)

Editorʼs Desk

Blue Ribbon Committee Continues to Work RTC to Request Projects for Coordinated Transportation Plan

Connie McMullen

4 / September / SeniorSpectrumNewspaper.com

County residents who havedifficulty understandingwhere funding streams origi-nate and that capital rev-enues do not commingle topay for the RTCs operatingand service budget. A sec-ond common misunder-standing is that large budgetprojects that RTC managesand supervises are oftenyears in the making; fundingis competitively grant fundedand applied for years inadvance. So while funding isappropriated for vast con-struction, RTCs fiscal opera-tions may be tight, operatingat a deficit due to recessionand the state of the economy.

This month I had some com-ments regarding shortfalls inservice that readers felt isnecessary to talk about.Edna Wren wrote to expressthe need for transportationin the Somersett area.Recently moving to our com-munity, Wren discoveredfixed route service did notserve the northern commu-nity. She takes transit regu-larly and while she enjoys theservice, she needs it near herhome so she can make doc-tors appointments.

I also heard from Jerry Purdywho was concerned thatthere were not enough shel-ters and benches to cover allthe bus stops. Purdy saidseniors really need shelters asmany are frail and vulnerableto the weather conditions.He said seniors and peoplewith disabilities cannot standfor long periods and needbenches to sit. Additionallythere needs to be more busstops. Currently the transitroutes do not service some

areas where people live, andneed to travel for dailyemployment.

The RTC is planning to makerecommendations and putout a formal solicitation forCoordinated TransportationPlan (CTP) projects later thismonth. Based upon thefeedback received fromTown Hall Meetings andother public forums, projectsconceived to date include;• Expansion of volunteerdriver programs

• Increase funding forWashoe Senior Ride (WSR)

• Purchase wheelchair acces-sible vehicles for humanservice agencies

• Provide flexible transitservice in outlying areas ofour community

• Improved coordination oftransportation resourceswith social service agencies

• Increased funding for theRTCs non-urbanized trans-portation program

• Creation of a private non-profit transportationprovider

RTC has approximately$300,000 in Federal TransitAdministration Section 5310funding for projects to beapproved in the revised CTP.If you have any questions onthis planning process, con-tact Tina Wu, CTP ProjectManager (335-1908), orDavid F. Jickling, Director ofPublic Transportation andOperations, or you can writeme at this email address([email protected])

September 2014CONTENTS

Page 13 - Town HallMeeting: Dementia CarePage 16 - White HouseConference on AgingPage 21 - Financial AbusePage 26 - Long Term CareOmbudsman ProgramPage 33 - Why Seniors Don’t Eat: It’s ComplicatedPage 37 - Bobby BurgessShares All in Book5 - Spectra

EVERY ISSUEPage 3 - Editor’s DeskPage 6 - OpinionPage 7 - OpinionPage 28 - CalendarPage 31 - EclecticObserver

Page 34 - ResourcesPage 35 - Biggest Little Page 38 - TinselTownPage 39 - CrosswordPage 41 - this ‘n thatPage 43 - Seniors4Travel

HEALTHPage 17 - What MedicareDoes & Doesn’t CoverPage 19 - Senior Housing,Service CoordinationPage 22 - OphthalmologyPage 29 - One Size DoesNot Fit All

FINANCIALPage 8 - Service Providersin Your Estate Plan Page 10 - No 401(k)?Page 12 - Real Wealth

Senior Spectrum NewspaperP.O. Box 7124 • Reno, NV 89510

775-348-0717SeniorSpectrumNewspaper.com

[email protected]: Chris & Connie McMullen

Column opinions are writers, not publishers. Copyrighted publication.

Editor’s Desk / page 3

38

After spending their lives working andcontributing to their communities, America’sseniors have earned the right to retire withdignity, free from the fluctuations of the stockmarket and the threat of poverty. For nearly

eight decades, Social Security has secured that right by providingreliable benefits to seniors in Nevada and across the country.Roughly 90 percent of seniors over 65 now receive benefits.Without Social Security, nearly half of America’s seniors would livebelow the poverty line.

This month, we reflect on the importance of Social Security aswe celebrate the program's 79th anniversary. Though the programhas faced intense opposition from the very beginning, it's nowclear that Social Security has been a remarkable success. In fact, inmy view, Social Security is the most successful program in the his-tory of our country.

Unfortunately, many in Washington remain hostile to SocialSecurity. Opponents are determined to cut the program's alreadymodest benefits, if not eliminate them altogether. To justify suchcuts, critics typically resort to scare tactics, claiming that the pro-gram is in crisis and on the verge of bankruptcy. This claim is sim-ply false, no matter how often it is repeated. In truth, the most

recent report of Social Security's actuaries verified that SocialSecurity will be able to pay every penny of promised retirementbenefits for nearly 20 years. Even without any changes, after thatSocial Security still will be able to pay roughly three-quarters ofsuch benefits. And with relatively minor reforms, we can keep theprogram strong for decades to come.

Those of us who support Social Security need to fight backagainst misleading attacks and oppose unfair benefit cuts. We alsomust oppose efforts to privatize the program. I led the oppositionto the Bush Administration’s privatization proposal in 2005; it wasa dangerous and fiscally irresponsible plan, and very unpopular.Though we defeated that effort, many conservative leaders stillsupport privatization and are determined to hand Social Securityover to Wall Street, putting seniors at the mercy of the stock mar-ket.

When critics argue for benefit cuts and privatization, it's impor-tant to remind them that Social Security is not a handout; it is abenefit that Americans earn, by working and paying into the sys-tem. Cutting those earned benefits, or putting them at needlessrisk, would break our promise to seniors. That would be wrong,and I will continue to do everything I can to protect Nevada's sen-iors and oppose such proposals.

Sen. Reid

Opinion

U.S. Senator Harry Reid


Protecting Social Security for Nevada Seniors


Every two years, election time rollsaround for Congress, creating apolitical buzz across the country.

Representatives are elected to pro-vide a direct voice for the people indecisions made by the government.

I am always surprised to see the statistics regarding howmany people exercise their right to vote. According to thelatest national census, in the 2012 congressional electionsonly 61.8 percent, or 196 of 317 million people, voted.

This number surprises me. What is considered to be a rightin the United States would be considered a unique oppor-tunity in many other parts of the world. Taking the time tovote is not only about whom you vote for, it shows yourcommitment to exercise on of the greatest privilegesafforded in our country.

Being knowledgeable about political candidates and castingyour vote not only gives you the opportunity to choose thecandidate but the power to share your beliefs and exerciseyour right to elect the best representative.

The ability to vote gives us the opportunity to make thecountry the best it can be by providing diverse perspec-tives.

I am honored to have been elected and appreciate theopportunity to represent my constituents in WashingtonD.C. in the United States Senate. I now have the opportuni-ty to vote in the most beneficial way for Nevada and for thecountry.

In the upcoming Congressional election in November, Iencourage every Nevadan to make it a priority to vote inorder to make your voice heard.

OpinionU.S. Senator Dean Heller

Sen. Dean Heller

Get to the Polls


How to Include Service Providers in Your Estate Plan

Brad Anderson

Brought to you byBradley B. AndersonAnderson, Dorn, & Rader, Ltd.

The American Academy of Estate Planning Attorneyswww.probatebusters.com • blog.wealth-counselors.com

When hiring an estate plan-ning attorney, you expectthis person to help you get

all your ducks in a row. It is essentialto work with a local attorney who willbe able to set up a plan for you that istailored to your particular concernsand needs. One specific area thatrequires attention when creating yourplan is your service providers.

What is a “service provider?” This cov-ers a wide range of individuals whoprovide services in your day-to-daylife. Should you become incapacitated

or are unable to communicate withthem, it’s important to make sure yourTrustee or other responsible party isable to do so on your behalf. Whenyou have all your service providerslisted in your estate plan, the task ofcontacting the appropriate partiesbecomes much more manageable.Let’s take a look at the different typesof service providers you might have:

Household ProvidersPeople typically have several compa-nies they work with when it comes tothe maintenance and care of their

home. In the event that you becomeincapacitated or are absent for anyreason, it’s reassuring to know thatyour home can continue to function asyou intended.

At the same time, there are tasks thatmay no longer be needed. Having a listof all your household providers in onelocation makes the task of contactingeach party to cancel any unneededservices much easier.

Some of the most common types of(Estate Plan page 9)


household providers include:• Cable• Computer/internet support• Gas & electric• Gardening• Grocery/Water delivery• Housekeeping • HVAC maintenance • Pet sitting• Pest control• Pool maintenance• Vehicle maintenance• Telephone

Medical Service ProvidersHave you included the contactinformation of your medicalservice providers in yourestate plan? If not, you shoulddo so because this informa-tion is valuable if you shouldever require immediate med-ical attention and are unableto reach out on your own.

Below are some of the manymedical service providers youmay include on your list:• Chiropractor• Counselor• Dentist• Massage therapist• Ophthalmologist• Physical therapist• Primary care physician • Psychologist

Personal Service ProvidersIn addition to the above, thereare personal service providersyou might want to include,such as:• Childcare provider• Hairdresser• Home care provider• Transportation provider• Tutors

Other Information to AddWhen compiling this list ofproviders, make sure toinclude all essential contactinformation such as phone,email, and physical address.

If you have a regular arrangement withthese professionals, such as a house-keeper or a gardener, make note ofthis as well. If you have any servicecontracts or documentation that mayneed to be referenced in the future, itis also helpful to include them.

Having this list in your plan will allowyour loved ones to have everythingthey need to take care of you and yourestate.

About Our Law FirmThe Law Firm of Anderson, Dorn &

Rader, Ltd. is devoted exclusively toestate planning. We are members ofthe American Academy of EstatePlanning Attorneys and offer guidanceand advice to our clients in every areaof estate planning. We offer compre-hensive and personalized estate plan-ning consultations.

For more information or attend anupcoming seminar, please contact usat (775) 823-9455 or visit us online atwww.wealth-counselors.com/

Estate Plan / page 8


Are you working for an employer that doesn’t offer a401(k)-type retirement savings plan? This can be a real worryfor millions of working Americans, who fear they can’t effec-tively save for retirement without a 401(k).

The good news is you still can save for retirement andwork toward self-sufficiency when it comes time for you tostop working. And it’s easier than you may think.

AARP offers a variety of resources to help you plan foryour retirement at www.aarp.org/readyforretirement. In themeantime, follow these tips for getting your retirement sav-ings started today.

Tip 1: Save up for your initial deposit.When you decide to open a retirement savings account, it

will be in the form of an IRA. You’ll need a minimum depositto get started. With some banks or financial institutions, youcan open an IRA for as little as $100 if you set up regularcontributions. More often, the minimum deposit is $1,000.

You can start putting money aside today to get yourdeposit together. Can you save $25 a week? If it sounds like alot, think of ways to cut your expenses. Maybe you can pack

lunch instead of buying it, or eat at home more often thaneating out. If you stop to get coffee in the morning, try mak-ing your own instead.

Tip 2: Choose between a Traditional or Roth IRA.An IRA has tax benefits that regular savings accounts

don’t have. You can open an IRA and contribute up to $5,500a year. If you are age 50 or over, you can contribute an extra$1,000 a year.

You have a choice between a Traditional IRA and a RothIRA. The difference is in how your money gets taxed. Yourcontributions to a Traditional IRA aren’t taxed going in, butget taxed when you take the money out in retirement. Thegains your money makes in the IRA (the “gains”) is also taxedwhen you withdraw it.

With a Roth IRA, your contributions are taxable, but youdon’t pay any taxes on your withdrawals in retirement. Yourgains aren’t taxed, either. Some experts say the Roth IRA is abetter deal than a Traditional IRA.

The general rule with IRAs is that you can begin to take(401(k) Options page 18)

By Jean C. SetzfandNo 401(k)? You Have Options

A few years backmy dad startedwriting storiesabout his life. Myfather is an archi-tect so his storieswere more of a bio-graphic collectionof his experiences

and ideas than stories per se. The firsttime he passed one out was atChristmas, and he humbly presentedeach branch of the family with his writ-ings. I wasn’t sure what to expect, butthat was 15 years ago and since then hehas presented a few more of these treas-ures. I didn’t realize it at first, but now Iunderstand that he is giving us his truewealth, including his feelings, values,wisdom, wishes, advice and other

important information. He isgiving us his ethical will.

Someday I will receive a mone-tary inheritance, but that willpale, as it should, in comparisonto the legacy of my parents thatI will share with my children,grandchildren, and great grand-children. I am so proud of myparent’s history, and the inten-tion with which they raisedtheir children and lived theirlives. I encourage everyone to do anethical will to share your values, whatyou’ve learned during your life, yourhopes and dreams for the future of yourloved ones… and even forgiveness.Ethical wills are nothing new, butancient documents that come from

ancient traditions. Some ethical willsdate all the way to the Hebrew Bibleand are found in early writings ofancient cultures. While initially trans-mitted orally, ethical wills have evolvedinto written documents. Though not

(Real wealth page 32)


Chris Askin

Ethical Wills

Your “real” wealthBy Chris Askin, President and CEOCommunity Foundation of Western Nevada

SeniorSpectrumNewspaper.coms / September / 13

A gathering titled “Town Hall Meeting: ImprovingDementia Care” by the Alzheimer’s Association in Reno onAugust 20th, called for better resources, information, andphysician training in Northern Nevada. Those in attendancesaid that physicians and health care providers were morefocused on tasks rather than the patient.

Dr. Peter Reed, Director, Sanford Center for Aging, facili-tated town hall meeting where caregivers, advocates, peoplediagnosed with some form of dementia, and providers testi-fied on the need for better care in the community.

Carmine Decano, a disabled veteran, was diagnosed withearly onset of Alzheimer’s disease. He said it “took over a yearto figure out what was wrong.” He traveled to Sacramento fora PET scan. The neurologist was 40-minutes late to theappointment and “was very unprofessional.” He finallyobtained a second opinion from a doctor locally who diag-nosed him with dementia. Decano said he did not like theway he has been treated. Adding, “There was no supportgroup at the VA to help veterans with Alzheimer’s.”

“There are challenges in getting a diagnosis’s,” Dr. Reedsaid admitted. “It is also important that people with

(Dementia Care page 14)

Town Hall Meeting: Improving Dementia Care Resources, Information, Physician Training Needed

Deputy Sheriff Marston talks about Alzheimer’s cases in Washoe County.Assemblyman Randy Kirner & Sen. Reid Representative Jared Perkins listen.

Alzheimer’s are able to live well in the community.” Deputy Shawn Marston, Community Outreach, Washoe

County Sheriff ’s Office, has built a vulnerable persons unit tokeep people safe. He said patrol gets frequent calls from thoseliving alone with dementia and wander. Continual callsregarding the welfare of a person with Alzheimer’s wanderingin Sun Valley prompted him to take action. “Had we notfound him he would have died within the hour.”

Marston initiated an action plan for first responders thatincludes tools to help people with dementia such as a wristband that locks and averages 30 minutes to locate the wearer.He has also made a DVD for families and professionals. Acollaboration has been formed with community partners.Saint Mary’s Hospital donated funds for bags containingresources while Washoe County paid for 18 wrist bands. Kidsto Senior’s Korner will manage the program and include alllaw enforcement in the area.

Dr. Reed said the initiative was a good collaboration. “Sixtypercent of people with Alzheimer’s disease will get lost. Morethan half if not found within the first 24-hours will die.”

Bob Tregilus, a caregiver six years for his parents, madethree points on services. 1. - Skilled Nursing Homes and Long-term Care. Hisfather had pneumonia and needed nursing. He visited theNevada Division of Public and Behavioral Health websiteto review nursing homes with the least deficiencies and those


The ALZHEIMER’S GRIDCAUSE, RISK and PREVENTION ASSESSMENT

Name:DOB:Date:

Assessed by:

The Alzheimer’s Grid is a quick survey to determine if you or someone you know is at risk for developing dementia. If you know someone who has dementia it will help you identify the reasons why.

To use the grid, consider each cause and assign a number of significance (0 = not applicable, 9 = very significant). For example, is there a history of heart, lung or alcohol disease? Is there a history of poor exercise and nutrition, medication adversities, or co-existing medical problems such as sleep apnea, hospital mistakes, or diabetes? How severe have the past or current impacts been over one’s lifetime?

The Alzheimer’s Grid does not require a particular score or value. It is a guide for thinking about and discussing behavior changes that can be implemented to help prevent or reduce cognitive declines.

HISTORY SEVERITY

0 1 2 3 4 5 6 7 8 9

1) Cardiovascular Disease

2) Respiratory Disorders

3) Sleep Apnea

4) Alcohol Abuse

5) Prescription Drugs

6) Eat, Drink, Breathe

7) Head Injuries

8) Genetics and Medical Illness

9) Medical Complications

10) Sedentary Lifestyle

© 2014 Steven Rubin MDwww.gerolescence.com

INSTRUCTIONS

Dementia Care / page 13


with the highest ratings, and he spoke with elder care servic-es. His father was placed in skilled nursing. He went to visitlate one night and found him wet in bed. “They were going tohold him for the full period that Medicare pays for.” Tregilussaid he had to hire a lawyer to get his father released. He rec-ommends that caregivers become familiar with regulations,and do regular inspections at all times of the day and night. 2. - End-of-Life. Caregivers need to be versed on end-of-lifeoptions in decision making. “There should be a public aware-ness program on Palliative Care.”3. - Access to education, training, and first aid. “This isreally lacking. We need to know what to do if Mom startschoking or falls. How to get her up.” Tregilus also pointed tothe need of having someone to watch Mom while he attendsmeetings on care. “The state gives money to help caregiversattend programs or to get respite.”

Lisa Talkin’s husband developed frontotemporal dementiaat age 56. She testified it was difficult to find competent helpespecially because he had behavioral issues and physical chal-lenges. She said “Frontotemporal dementia hit in his prime oflife, and we still had three kids at home.” Talkin said his caretook all the families money, and pointed to the need forgrants to help. Talkin said the University of California SanFrancisco provided the best resources, and that local doctorsand neurologist need training on this form of dementia.

“Alzheimer’s is the most common form of dementia, but thereare more forms,” Dr. Reed said. Early onset is a big issue with chal-lenges, because the person is still functioning and active. He saidthe goal is to reach out to physicians. “They need training andunderstanding so they can make that important referral,” so peoplecan get help.

Nevada Ombudsman Heather Korbulic said, “We are reallylacking in professionals who understand that care should bePerson Centered Care. People move into the nursing home andlose their ability to make decisions. We had a person who had

behavior issues. He walked into rooms and would inspect people’sdoors. It turned out he was a mailroom worker. The staff didn’tknow,” or understand what he was doing.

Person Centered Care is care that focuses on the person’s likesand needs rather than the tasks at hand. It is a tailor made healthcare plan that is made for a specific person to care for his healthneeds, financial need and any other care they may need.

The Centers for Medicare and Medicaid are moving in thedirection of Person Centered Care. Nevada Aging and DisabilityServices Deputy Administrator, Tina Gerber-Winn, said theseissues will be presented before the Nevada LegislativeSubcommittee of Health Care. “Education, training, and educatingprofessionals in the medical field is important.”

Dr. Reed told attendees if they are living with Alzheimer’s orknow someone to: “Get resources, become advocates, join theWalk to End Alzheimer’s, and raise awareness, tell all.”

U.S. Senator Harry Reid, Rep. Jared Perkins, Senator Dean Heller, Rep. KatiePace, and Congressman Mark Amodei, Rep. Ken Brooke. Photo: C. McMullen

Today at the White House, I wasdelighted to host a roundtable discus-sion with leaders from across the agingcommunity who came together to dis-cuss the White House Conference onAging, which will take place in 2015 –the 50th anniversary of Medicare,Medicaid, and the Older Americans Act,

as well as the 80th anniversary of Social Security.The 2015 White House Conference on Aging is an oppor-

tunity to look ahead to the issues that will help shape thelandscape for older Americans for the next decade. As we lis-ten to aging leaders and older Americans, some of the com-mon themes we hear include the following:• Retirement security is a vitally important issue.Financial security in retirement provides essential peace of

mind for older Americans, but requires attention during ourworking lives to ensure that we are well prepared for retire-ment.• Long-term services and supports remain a priority.Older Americans overwhelmingly prefer to remain independ-ent in the community as they age. They need supports to doso, including a caregiving network and well-supported work-force.• Healthy aging will be all the more important as babyboomers age. As medical advances progress, the opportuni-ties for older Americans to maintain their health and vitalityshould progress as well.• Seniors, particularly the oldest older Americans, canbe vulnerable to financial exploitation, abuse, and neg-lect. The Elder Justice Act was enacted as part of theAffordable Care Act, and we need to realize its vision of pro-tecting seniors from scam artists and others seeking to takeadvantage of them.

We are delighted to announce that Nora Super will beleading this effort as the newly named Executive Director ofthe 2015 White House Conference on Aging. She brings bothsubstantive expertise on the issues and the experience to helpmaximize our outreach and engagement with olderAmericans across the country. We also will launchWhiteHouseConferenceOnAging.gov as the official site forthe conference next summer.

We intend to use the year ahead to be as creative as possi-ble about using new technology, agencies’ regional offices,partners, and other strategies to engage directly with olderAmericans and stakeholders on these issues. We are lookingforward not only to the Conference, but to a year of engage-

ment and dia-logue aboutolderAmericans’issues and theopportunity tocelebrate all thatolder Americanscontinue to con-tribute to ourcountry.

CeciliaMuñoz is anAssistant to thePresident andDirector of theDomestic PolicyCouncil.


On the Horizon: The 2015 White House Conference on Aging

By Cecilia Muñoz

Medicare helps pay fora wide variety of medicalservices and goods in hos-pitals, doctor’s offices, andother health care settings.But it doesn’t cover every-

thing, and it’s useful to know what is andisn’t included.

Services are covered either under Medicare Part Aor Part B. If you have both Part A and Part B, you canget many Medicare covered services whether you haveOriginal Medicare or a Medicare health plan.

Part A is Hospital Insurance and it helps pay for:• Inpatient care in hospitals;• Inpatient care in a skilled nursing facility (not custo-


What Medicare Does (and Doesn’t) CoverDavid Sayen, Regional Administrator

Medicare Region 9

David Sayen

dial or long-term care);• Hospice care services;• Home health care services:• Inpatient care in a religious nonmedical health care institu-tion.

You can find out if you have Parts A and B by looking atyour Medicare card. If you have Original Medicare, you’ll usethis card to get your Medicare-covered services. If you join aMedicare health plan, in most cases you must use the cardfrom the plan to get your Medicare-covered services.

Part B (Medical Insurance) helps cover medically neces-sary doctors’ services, outpatient care, home health services,durable medical equipment such as wheelchairs and walkers,and other medical services.

Part B also covers many preventive-care services.Under Original Medicare, if the yearly Part B deductible

($147 in 2014) applies, you must pay all costs (up to theMedicare-approved amount) until you meet the Part Bdeductible before Medicare begins to pay its share.

After your deductible is met, you typically pay 20 percentof the Medicare approved amount of the service, if the doctoror other health care provider accepts assignment. (“Acceptingassignment” means that a doctor or other provider agrees tobe paid directly by Medicare, to accept the payment amountMedicare approves for the service, and not to bill you for anymore than the Medicare deductible and coinsurance.)

You’ll pay more if you see doctors or providers who don’taccept assignment. And there’s no yearly limit on what youpay out-of-pocket.

If you’re in a Medicare Advantage plan (like an HMO or

PPO) or have other insurance, your costs may be different.Contact your plan or benefits administrator directly to findout about the costs.

Under Part B, Medicare pays for many preventive services(such as screenings for cancer and heart disease) that candetect health problems early when they’re easier to treat. Youpay nothing for most covered preventive services if you getthe services from a doctor or other qualified provider whoaccepts assignment.

However, for some preventive services, you may have topay a deductible, coinsurance, or both.

Medicare doesn’t cover everything, of course. If you needcertain services that aren’t covered under Part A or Part B,you’ll have to pay for them yourself unless: • You have other insurance (or Medicaid) to cover the costs;• You’re in a Medicare health plan that covers these services.

Some of the services and goods that Medicare doesn’tcover are:• Long-term care (also called custodial care);• Routine dental or eye care;• Dentures;• Cosmetic surgery;• Acupuncture;• Hearing aids and exams for fitting them.

David Sayen is Medicare’s regional administrator forArizona, California, Nevada, Hawaii, and the PacificTerritories. You can always get answers to your Medicarequestions by calling 1-800-MEDICARE (1-800-633-4227).


withdrawals without a tax penalty beginning after you turnage 59 ½.

Tip 3: Open up your IRA.You have several options on where to open your IRA. You

could head to a traditional bank, but your investment optionsmay be limited. Credit unions are worth looking into. If youbelong to one, you may find you can open an IRA with a lowinitial contribution. Plus, you may have a wider range ofinvestment options than with a bank. You could also considerthe big investment firms, like Vanguard, Fidelity, T. RowePrice or others.

When you look into your options, find out what fees youwill be charged. Some institutions charge an annual mainte-nance fee, for example, but if you manage your accountonline, they may waive it.

Tip 4: Choose your investments.When you save through an IRA, you have choices about

how to put your money to work for you. Depending on whereyou open it, you can pick from investments that earn interest,like certificates of deposit (CDs) or money market funds.When you have a long time (10 or more years) before youneed the money, it may be better to choose investments thatcan potentially earn more money for you, like mutual funds.

For example, you could invest in a “stock mutual fund.”

Think of it as a bucket that holds investments in differentcompanies. When the companies do well, your gains grow.There’s a risk that they won’t do well, too, which could causeinvestment losses. Over a long time period, though, mutualfunds are more likely to provide gains and do better for youthan interest bearing investments like CDs.

To learn more about investing, see AARP’s tip sheet,Investing for the Long Haul.

Tip 5: Make your saving automatic.The best way to save for a long-term goal like retirement

is to make it automatic. When you open an IRA, you can givethe institution your bank information (routing number andaccount number, both found on your checks). Then identifyhow much you would like to contribute and how often. If youget a raise down the road, give your retirement savings araise, too, by increasing your contribution.

You can do this!The biggest obstacle to saving is getting started. Once you

start, you’ll find that you won’t even miss the money you’reputting away. And remember, the money is going toward agood cause – your future financial security.

To learn more about IRAs, read AARP’s tip sheet, Savingfor Retirement Through IRAs. To figure out what your sav-ings goal should be, check out AARP’s retirement calculatorat www.aarp.org/money.

401(k) Options / page 10

Most of us take housing forgranted. However, our countryhas 2.3 – 3.5 million homelesspeople over a year and over

633,000 on any one day. Nevada statisticsshow about 19,000 homeless. Homeless indi-viduals report a lack of affordable housing asthe number one reason for becoming home-less. This inadequacy must be remedied inorder to get people off the streets, out ofshelters, and able to live.

Poverty is more prevalent than we think. The 2014poverty level is $11,670 earnings per year for an indi-vidual and $15,730 for a couple. When I was at the

University of Nevada Reno and published Elders CountNevada 2009, we found that 20 percent of elders lived on$5,094 income per year and another 20 percent lived on$11,670 per year. In today’s poverty figures that wouldmean approximately 40 percent of the elders in Nevadawere living in poverty!

Federal housing assistance programs started during theGreat Depression to address the country’s housing crisis. Inthe 1960s and 1970s, the federal government created sub-sidy programs to increase the production of low-incomehousing and to help families pay their rent. In 1965, theSection 236 Leased Housing Program amended the U.S.Housing Act. In the 1970s, when studies showed that theworst housing problem afflicting low-income people wasno longer substandard housing, but the high percentage ofincome spent on housing, congress passed the Housing andCommunity Development Act of 1974, further amendingthe U.S. Housing Act of 1937 to create the Section 8Program. In the Section 8 Program, tenants pay about 30percent of their income for rent, while the rest of the rent ispaid with federal money. In 2006, $28.5 billion was allottedto homeless programs that ran through HUD (Housing andUrban Development) and $1 billion was given for Section 8housing. Nevada alone has 23,000 persons receiving federalrent assistance.

Another HUD program is the Section 202 Program whichhas provided 400,000 affordable homes over the last fifty-

years to elders, including many with extremely low-incomes or significant health concerns. HUD provides cap-

(Senior Housing page 20)


“Adding Life to Years”Dr. Larry WeissCenter for Healthy Aging

A Lifetime Commitment to Reno !• Local Small Business Owner for 37 Years!• Dedicated Community Volunteer!• Accountable to Taxpayers!• A Plan to Move Reno Forward!!

Happy 65th Birthday Ray! !www.PezForMayor.com | 775.240.6545 !

Paid for by Pez for Mayor

Senior Housing and Service Coordination

Larry Weiss


ital advances to non-profits to finance the construction, rehabilitation or acquisition, with or without rehabilitation,of structures that will serve as supportive housing for verylow-income elders, including frail elders. The 200 programprovides rent subsidies for the projects to help make themaffordable. The need, however, is still great. For example,The Seniors Commission Report shows that by 2020, therewill be 2.6 million elders who require assistance with activi-ties of daily living or have cognitive or mental disabilitiesand are at 150 percent of poverty or lower and thereforeneed assistance.

Clearly these HUD programs have helped thousands ofindividuals have a roof over their head and add life to theiryears. However, without supportive services, housing byitself is not enough to end homelessness and keep peoplehealthy. Therefore, HUD established the ServiceCoordinator program within the housing programs. TheService Coordinator program empowers the residents tobecome more independent by linking them with supportiveservices within the community. For all its importance, theService Coordinator program is relatively new, and wasestablished by the HUD in 1992. The program providesfunding for the employment of Service Coordinators inindependent and assisted apartment housing that isdesigned for elders and persons with disabilities. A ServiceCoordinator is a social service staff person hired or con-tracted by the development's owner or management com-pany. The services provided to the residents are intended to

prevent premature and inappropriate institutionalizationthat are much more costly.

According to a document published by the AmericanAssociation of Service Coordinators (AASC), when theydelay institutionalization, they save taxpayers more than$2000 per month. These savings include all the costs forindependent community subsidies, including rent, food,home care services and the cost of the Service Coordinator.

Independent living with assistance is a preferable, lowercost housing alternative to institutionalization for manyfrail older persons and persons with disabilities. An esti-mated 365,000 persons living in HUD-assisted housingexperience some form of frailty, and this number willincrease as people living in those units grow older. Byarranging for delivery of some services, ServiceCoordinators can extend the length and improve the quali-ty of the frail elderly, living independently in their ownhomes, and decrease the use of institutional services.

“The 3200 Service Coordinator members of AASC have awide range of responsibilities, requiring a unique mix ofpeople skills and professional skills,” said Janice Monks,president of the AASC. “In many housing complexes,Service Coordinators are the designated ‘go to’ folks for thepeople who live there. They link seniors and persons withdisabilities with the support services they need to live withdignity and independence.”

The Center for Healthy Aginghas had the distinct pleasure ofworking with AASC in devel-oping enhancements of ServiceCoordination which will incor-porate transitional care, chron-ic disease management,advance planning, falls preven-tion, medication self-manage-ment, and other health andwellness programs that add lifeto years for these elders andpersons with disabilities livingin federally assisted seniorhousing.

Lawrence J. Weiss, Ph.D. isCEO of the Center for HealthyAging. Dr. Weiss welcomesyour comments on this col-umn. Write to him [email protected] orc/o Center for Healthy Aging,11 Fillmore Way, Reno, NV89519.

Senior Housing / page 19

Nearly one in everytwenty elderlyAmerican adults is being financiallyexploited – often by their own familymembers.

This burgeoning publichealth crisis especiallyaffects poor and black

people. Dr. Janey Peterson ofWeill Cornell MedicalCollege in the U.S. led one ofthe largest American studies¹ever on elder abuse, the find-ings of which appear in theJournal of General InternalMedicine², published bySpringer.

With old age often alsocomes social isolation andmental decline, which makesthe elderly uniquely suscepti-ble to being abused by othersin different ways. Accordingto Peterson, even thoughfinancial exploitation is themost common form of elderabuse, it is also the aspectthat has been least studied.Her team therefore set out toget a clearer picture about itsprevalence, they telephoni-cally interviewed 4,156 NewYork State residents 60 yearsof age or older.

The survey found themost common perpetratorwas not an outsider, butmost often a family member,adult children (57.9 percentof the time). This is followedby friends and neighbors(16.9 percent) or a paidhome aid (14.9 percent).

The researchers’ analysesconvey a consistent narra-tive: Financial exploitationdisproportionately affectsolder black adults, those sur-viving below the poverty lineand elderly people living inlarge households withouttheir spouses. Peterson’s teamwas also not surprised to findthat elderly adults who strug-gle to maintain an independ-ent lifestyle are often exploit-ed. Requiring assistance withshopping and meal prepara-tion often gives potentialperpetrators access to theirfinances.

“Financial exploitation ofolder adults is a commonand serious problem, andespecially happens to eldersfrom groups traditionallyconsidered to be economi-cally, medically and socio-demographically vulnerable,”Peterson explains. “In addi-tion to robbing older adultsof resources, dignity, andquality of life, it is likely cost-ing our society dearly in theform of increased entitle-ment encumbrances, healthcare, and other costs.”

References:Peterson, J.C. et al. (2014).Financial Exploitation ofOlder Adults: A Population-Based Prevalence Study.Journal of General InternalMedicine. DOI10.1007/s11606-014-2946-2

The Journal of GeneralInternal Medicine is the offi-cial journal of the Society ofGeneral Internal Medicine.


Older Adults are At Risk of Financial AbuseNew York | Heidelberg

The Peppermill, John Ascuaga’s Nugget, the Grill at Quail Corners, Reno Air Races, Harrah’s Lake Tahoe, Harrah’s Reno, Reno Aces,

SAVE, Sanford Center for Aging, Gerontology Students, UNR!

Comparedwith theircounter-parts froma genera-tion ago,today’sseniors areabout half

as likely to experience seri-ously impaired vision.This finding, based on twolarge national surveys, isall the more notable whenone considers that healthconditions that have thepotential to harm vision(such as diabetes) have

been on the upswing.

Experts point to manypossible reasons for thegood news, beginning withimproved techniques incataract surgery. In addi-tion, changes in lifestyleand nutrition may alsoplay roles, such as lesssmoking leading to fewercases of macular degenera-tion and better glucosecontrol among diabeticsleading to decreased riskof diabetic retinopathy.Heightened attention toeye health and more fre-quent eye exams also bringvisual improvement.

It should be noted refrac-tive surgery, such asLASIK, may also help sen-iors see better and therebyimprove their quality oflife.

If you would like furtherinformation on today’stopic, please call my officeat (775) 882-2988. Fax: (775) 882-1726. We are located at 3839 N.Carson Street, in CarsonCity, 89706.

Hours: 8-5 p.m., Mondaythrough Friday by appoint-ment. Master Card, Visaand Medicare Assignmentaccepted.


Ophthalmology

Things Are Looking Up For Seniors

Dr. Michael J. Fischer, M.D.Nevada Eye Surgery Center

Michael J. Fischer

Becoming familiar with themany long term careoptions, resources, and

rights can be exhausting; the LongTerm Care Ombudsman programcan help.

It is important to know that theNevada Long Term CareOmbudsman program advocatesfor residents of Nursing Homes,Assisted Living Facilities, Group

Homes, and Homes for Individual Residential Care (two bedcare homes). Long Term Care Ombudsmen provide informa-tion about how to find a facility and what to do to get qualitycare. They are trained to resolve problems and provide advo-

cacy that is confidential and self-directed.

The Nevada Long Term Care Ombudsman program is com-mitted to improving the quality of life and care for long termcare residents statewide and provides many services includ-ing: o Resolving complaints made by or on behalf of residents inlong term care facilities. The Ombudsman receives com-plaints from long term care residents, or from someone onbehalf of a resident, who has a concern or complaint about afacility. Anyone can make a report by calling1-888-729-0571.

o The Nevada Long Term Care Ombudsman program isfocused on changing the culture of long term care throughout the Silver State. The Program provides education for con-sumers and long term care providers about residents’ rights


Long Term Care Ombudsman ProgramResolves Problems, Advocates for Residents

Are you or a loved one thinking about long term care plans? The National Clearinghouse for Long TermCare Information estimates that about 70 percent of people 65 and older will need long term care. If thisstatistic is accurate, most of us will come face-to-face with long term care for ourselves or a loved one.

Heather Korbulic

and best care practices.

o Volunteer Long Term Care Ombudsmen visit assignedfacilities weekly. Volunteers educate residents and promotethe Ombudsman Program services.

o The Nevada Long Term Care Ombudsman is managed bythe State Long Term Ombudsman who advocates for therights of residents by providing testimony to legislativegroups, participating in state and national advisory boardsand committees related to the long term care industry andthrough collaborative work with partners statewide.

o The Long Term Care Ombudsman is federally mandatedby the Older Americans Act, every state has an Office of theLong Term Care Ombudsman.

Knowing your rights before you enter into a long term caresetting can significantly reduce stress! The OmbudsmanProgram advocates for the following resident rights: o The right of citizenship. Nursing home residents do notlose any of their rights of citizenship, including the right tovote, to religious freedom and to associate with whom theychoose.

o The right to dignity. Residents of nursing homes arehonored guests and have the right to be treated with respect.

o The right to privacy. Nursing home residents have theright to privacy whenever possible, including the right to pri-vacy with their spouse, the right to have their medical andpersonal records treated in confidence, and the right to pri-vate, uncensored communication.

o The right to personal property. Nursing home resi-dents have the right to possess and use personal property andto manage their financial affairs.

o The right to information. Nursing home residents havethe right to information, including the regulations of thehome and the costs for services rendered. They also have theright to participate in decisions about any treatment, includ-ing the right to refuse treatment.

o The right of freedom. Nursing home residents have theright to be free from mental or physical abuse and from phys-ical or chemical restraint unless ordered by their physician.

o The right to care. Residents have the right to equal care,treatment and services provided by the facility without dis-crimination.

o The right of residence. Nursing home residents have theright to live at the facility or home unless they violate publi-cized regulations. They may not be discharged without timelyand proper notification to both the resident and the family or

guardian.

o The right of expression. Nursing home residents havethe right to exercise their rights, including the right to filecomplaints and grievances without fear of reprisal.

If you have any additional questions about the OmbudsmanProgram please visit our website: http://adsd.nv.gov/If you have concerns about a long term care facility or resi-dent, or you are reporting elder abuse, please call Aging andDisability Services Division Central Intake 1-888-729-0571.


September 5 - 7 - InternationalCamel Races, downtown VirginiaCity.

September 5 - 7 - The Great RenoBalloon Race, 5 - 10 a.m., RanchoSan Rafael Regional Park.

September 6 - Dwight Yoakam, 8 -11 p.m., Silver Legacy, (800) 687-8733.

September 7 - Tour De Tahoe-BikeBig Blue, 12th annual race, Stateline,Lake Tahoe, (800) 565-2704.

September 8 - Commission ofAging, 9:30 a.m., Legislative Bldg.,Room 3137, Carson City.

September 10 - 14 - NationalChampionship Air Races, RenoStead Airport, (775) 972-6663.

September 10 - SOS EducationTalk, Dr. David White, Laxalt Aud.

September 10 - 11 - Aging andDisability Services Conference,Grand Sierra Casino, Reno.

September 11 - 21 - WPT RegionalWestern Poker Challenge 2014,Atlantis Resort, (775) 825-4700.

September 12 - Larry the Cable Guy- 2 Shows, Silver Legacy, 7:30 - 11p.m., (800) 687-8733.

September 12 - Town HallMeeting, Services for the Blind andVisually Impaired, Northern NevadaCenter for Independent Living,Sparks.

September 12 - 14 - Lake TahoeMarathon, (530) 544-7095.

September 13 - 4th Annual VictorianSteampunk Ball, 11:30 a.m. - 11:30

a.m., Piper’s Opera House, VirginiaCity.

September 13 - Mayweather vs.Maidana, 5 - 9 p.m., Eldorado.

September 13 - Friends ofWashoe County Library Booksale, 10- 5 p.m., Reno Town Mall (SouthVirginia Street and Peckham).

September 13 - Tractors & Truffles,Chef Ryan Scott, Hot Buttered Rum,Oats Park Art Center’s BarleyTheatre, Fallon, (775) 423-4556.

September 13 - 14 - Tanner’sMarketplace - Antique, Collectibles,Reno-Sparks Livestock EventsCenter, Exhibit Hall, (775) 741-9524.

September 14 - Thunderbird LakeTahoe Winemaker’s Dinner Series, 5- 9 p.m., Thunderbird Lodge, (775)832-8752.

September 19 - 21 - Home MeansNevada Living & Home EXPO,Reno-Sparks Convention Center,(775) 329-4611.

September 19 - 21 - Just BetweenFriends Fall/Winter Sale, Reno-Sparks Livestock Events Center, 9a.m., (775) 291-9309.

September 21 - Friends ofWashoe County Library Booksale,Sunday, 10 - 5 p.m., Reno Town Mall(South Virginia Street & Peckham).

September 21 - Edible Pedal 100 -Bowers Mansion, (775) 393-9158.

September 22 - October 4 - NRCHASnaffle Bit Futurity, Reno-SparksLivestock Events Center.

September 23 - Human ServiceNetwork, 2 - 2:30 p.m., HHS

Director, KNPB Conf. Room.

September 24 - University ofNevada, Reno Foundation Banquet,Keynote Speaker, John Kao, 6 p.m.,reception; 7 p.m., dinner, PeppermillResort Spa, (775) 682-6002.

September 24 - 28 - StreetVibrations Fall Rally, Reno.

September 24 - Nevada TaskForce on Alzheimer’s Disease, 1:30p.m., Legislative Bldg., Room 2134,Carson City.

September 24 - South Lake TahoeSenior Center, Flu Shot Clinic, 9:30 -12:30 p.m., (530) 621-6188.

September 25 - Gov’t Mule, 7:30 -10 p.m., Grand Sierra Resort &Casino, (800) 501-2651.

September 25 - Dr. VictorMarshall, 10 a.m., Sanford Center forAging.

September 26 - Huey Lewis & TheNews, 8 - 11 p.m., Silver LegacyResort Casino, (800) 687-8733.

September 26 - 28 - BroadwayComes to Reno: Blue Man Group,Pioneer Center, (775) 686-6600.

September 27 - Reno/SparksWalk to End Alzheimer’s, 8 a.m. reg-istration, 9:30 a.m. Walk, SparksMarina.

September 27 - 28 - Genoa CandyDance, 9 - 5 p.m., Saturday &Sunday, Candy Dance and Dinner.

September 29 - CandidatesForum, 1 - 3 p.m., Washoe CountySenior Center. Sept. 30, SparksSenior Center, (775) 328-2575.


CALENDAR

How many times have you goneto your physician for ananswer to a specific problem

and come out with another prescrip-tion? Later, to have side effects fromthat prescription, causing you to needanother prescription? The definitionof insanity is doing the same thingover and over again and expecting a

different outcome. As we all know, our medical system isbroken—and frankly, it doesn't look like its getting any better.In today's environment, being inquisitive and asking ques-tions is the best approach to YOUR health! No one physicianknows your body better than you! Become active in yourtreatments, ask questions.

As we go through our lives we “collect” quite a bit along theroad. Let's call this a collection of rocks. Our rocks can becolorful, memorable, enlightening, and dam-aging. Let's assume each rock represents aphysiological, biochemical, metabolic, emo-tional and/or structural load on the humanbody. Over time, our rocks become tooheavy to carry and eventually we either haveto let some go, or the force of nature helps usout (sometimes literally.)

The human body is absolutely amazing. Thesmartest computer ever built; it knows itslimit and will do what is necessary to main-tain its survival. We simply need to get outof our own way. Be it cancer, diabetes, highblood pressure, or simply gas and/or snoring,our bodies are innately intelligent. It willmanifest some form of physical discomfort tolet you know something is off balance. Payattention because if you don't, chances areyou will regret it.

Do not overlook the importance of youremotional and mental health. Our thoughtsare powerful. Remember, whether youbelieve you can or you believe you can't—your right! It is my opinion that how youperceive yourself and your strengths willdetermine how healthy and happy you canbe. Do a simple experiment. When you walkout of your home tomorrow, each and everyperson you come into contact with, showthem a smile. Look them in the eye, and

smile. It's cheap and the amount of joy YOU experiencewhen doing this is priceless. There is not one soul on thisplanet that doesn't appreciate being noticed, even if only for amoment by a stranger. When I'm in a down mood, angry, orfeeling less than who I want to be—I do this. I always get asmile back and it helps bring me up.

Biological IndividualityNo two people are alike. Look around you and you will see avariety of sizes, shapes, personalities and levels of health.These represent the outward manifestations of internalchemical differences. In other words, the physical, mentaland emotional qualities expressed by people are a reflectionof their individual body chemistries; and different bodychemistries mean different treatment requirements to main-tain metabolic and physiological balance. This in turn willenable individuals to fully express their true health potential.

(One size page 30)

One size does not fit ALL!!Dr. Sandra Saville DC, CNIM


Dr. Saville

When it comes to the one size fits all recommendation ofmedicine and nutrition, remember the old adage, what bene-fits one person may be anothers poison.

Learn what options are available to you. Don't allow societyor the 'standard practice of care' to dictate what is right foryou. It’s unfortunate that most physicians practicing todayare about 20 years behind. They are frankly too busy to keepup with the enormous amount of research being done in eachspecialty. Educate yourself. With that being said, likewise,don't believe everything you read or see advertised. Thereare answers out there, and people who do know what is thebest medicine for you.

I cannot stress enough the importance of lifestyle choices.All health starts at home, in your gut. Literally. Our bodiesneed fuel. If you are unable to eat or don't feel like it, drinksome form of medicinal food. And no, I'm not talking aboutan energy drink. Find a powdered drink that supplies pro-tein, vitamins/minerals, and carbohydrates and drink it atleast twice a day. First one in the morning upon waking andthe last one about an hour prior to going to sleep. Help yourbody perform.

I specialize in Functional Medicine. Functional medicine hasbeen defined as "the field of healthcare which employs assess-ment and early intervention into the improvement of physio-logical, cognitive/emotional, and physical functioning.”Unlike traditional medical testing that evaluates “end- point”disease, the strength of functional medicine tests lies in thefact that not only can it aid you in the detection of aberrant

physiological processes but is apowerful way to help you identi-fy preclinical disease entitiesbefore the disease becomessymptomatic. This makesFunctional Diagnostic Medicinenot only great for early detec-tion but stand alone as “real”Preventive Medicine. Manyphysicians: DCs, MDs, DOs,NDs, and Nutritionist, are start-ing to practice using FunctionalMedicine and seeing greatresults. Remember: differentpeople have different causes forthe same exact health condition.

If you are looking for alterna-tives or have questions don'thesitate to call Dr. Saville's officeat (775) 410-4969. (Dr. SavilleDC, CNIM is a practicingChiropractor andNeurophysiologist who special-izes in functional medicine andnutrition at Integrated Wellnessand Nutrition at 305 W. MoanaLane Ste. B-3 Reno, NV 89509.)30 / September / SeniorSpectrumNewspaper.com

One size / page 29

This is an unusual “first” -the only time I’ve ever writ-ten a column while Underthe Influence.

No, it’s not a scientific experi-ment. It’s a medical prescrip-tion for Hydrocodon-

Acetaminophen to mitigate the painof trying to pass a kidney stone. As apain reliever, it’s doing a magnificentjob. As a function of normal behav-ior, the prescription leaves a lot to bedesired. Example - I thought I coulddrive the few blocks to the post officeto mail a bill. Made it to the PO andback without incident ... until I pulledin the garage and hit (make that light-ly tapped) the back wall. Depth per-ception definitely off. (Won’t driveagain until the drug is out of my sys-tem for at least twelve hours.)Nausea persists, but I wouldn’tendorse this as a prescription forweight loss. As for mental acuity -ha. Ditto the ability to stay awake formore than an hour at a time.However, let me be clear about theone benefit of Hydrocodon-Acetaminophen for me: it has put anend to hours of excruciating pain.

On a brighter note, I want toacknowledge the super-cheerful levelof all the staff I’ve encountered at St.Mary’s Hospital over the last year.Never have I encountered so manyhappy individuals - and what a differ-ence that makes when one is feelinglousy. All the nurses and technicianshave been concerned about my situa-tion and have done their best to makeevery procedure non-threatening.

With my mind in wandering mode atthis point, I’m hoping you will readon. Did you get to any of Reno’sArtown events? My favorite Mariachigroup came to town in mid-July and

an enthusiastic crowd filledWingfield park. This tradition-al Mexican music has manyfans outside the Latino com-munity and I understand a fewlocal schools now offer classesin Mariachi; I’m hoping theywill schedule some concerts forthe public.

Before the prescription friedmy brain, I thoroughly enjoyed read-ing Zevin’s “The Storied Life of A.J.Fikry.” It’s a perfect book for the endof summer, both a light read anduplifting as well. Another novel thatcaught my fancy earlier was JonasJonasson’s “The Girl Who Saved theKing of Sweden.”I found it laugh-out-loud andsharply satirical.One last recom-mendation isFrances Mayes’“UnderMagnolia” abouther Southernupbringing (herseries on living inTuscany areequally good).

Assuming(though oneshould not) thekidney stone haspassed and I’mnot longer Underthe Influence, Ihope to be on myway to Milwaukeefor a RoadScholar programSeptember 6th.I’ve now partici-pated in morethan a dozen ofthese great travelexperiences.

They’re not only excellent in valueand organization, but they’re also per-fect for the single woman. (FormerlyElderhostel, now Road Scholar, offersworld-wide opportunities forenriched travel for a wide variety ofinterests. Check out their website atwww.roadscholar.org.)

THE ECLECTIC OBSERVERBy Janet Ross



legally binding and definitely not to be compared to legalwills or trusts, today’s ethical wills are written at a variety ofstages in one’s life: the birth of a child or grandchild, the mar-riage of a child, the onset of a serious illness, and at the endof life.

Five years ago I first became acquainted with ethical wills sothe Community Foundation sponsored an author in the sub-ject to come to Reno and make a presentation to the profes-sional advisors in the region. In coordination with that pres-entation, the Foundation developed a 6 page guide to help allof us learn more about an ethical will, and to make it easier tostart writing down our thoughts. This guide called “AnEthical Will, the YOU you leave behind” is free so if you’d likea copy please give us a call.

Learning about ethical wills, and talking about estate plan-ning through interactions with the community, and particu-larly with donors, led the Foundation to exploring the needthat we all have to better understand estate planning.Through a partnership with KNPB we offered a free intro-ductory program for residents, and continue to offer thisvaluable resource. This seven-week program is held at localpublic venues, taught by local professional advisors whodonate their time, and sponsored by a dozen local charities.Already several hundred residents have attended the classwith rave reviews. Whether you have an estate plan or not,

you can benefit from this class that also covers importantaspects of planning such as Medicare, Social Security, servingas a trustee and executor, living wills and advanced healthcare directives. The program also provides a great introduc-tion to some local professionals as well as learning aboutsmart tax planning and incorporating charitable gift planningstrategies to provide for your family, your legacy, and yourcommunity.

The classes begin September 16th and run for seven weeks.Every Tuesday the same class will be offered at two locations:10:30 a.m. at Sierra View Library, and 3 p.m. at the WashoeWashoe County Senior Center. Check our website nevada-fund.org for details on class topics and location addresses.Call the Foundation at 775-333-5499 to register. Please helpus get the word out on this wonderful community resource,and if you’d like advice regarding how you may wish to leave alegacy to your family and your community, we would bepleased to help.

By the time this article comes out I will have attended myparent’s most recent family gathering, on the Saturday ofLabor Day weekend. My mom made a big deal about ALL ofus making it to their home to be together, and along with theobvious value and importance on family that this occasionbrings to bear, I wonder if there will be a special item thatthey will share, as they continue to focus on their wealth thatisn’t money.

Real wealth / page 12


More than half ofolder adults whovisit emergency

departments are either mal-nourished or at risk for mal-nutrition, but not because oflack of access to health care,critical illness or dementia. Despite clear signs of malnutrition orrisk of malnutrition, more than three-quarters had never previously beendiagnosed with malnutrition, accordingto the results of a study to be publishedonline in Annals of EmergencyMedicine ("Malnutrition AmongCognitively Intact, Non-Critically IllOlder Adults in the EmergencyDepartment").

"We were surprised by the levels ofmalnutrition or risk of it among cogni-tively intact seniors visiting the ER, andeven more surprised that most mal-nourished patients had never been toldthey were malnourished," said leadstudy author Timothy Platts-Mills,M.D., of the University of NorthCarolina Department of EmergencyMedicine in Chapel Hill, N.C."Depression and dental problemsappear to be important contributors, asis difficulty buying groceries. Giventhat seniors visit ERs more than 20 mil-lion times a year in the U.S., emergencyphysicians have an opportunity toscreen and intervene in ways that maybe very helpful without being very cost-ly."

Of patients age 65 and older, 16 per-cent were malnourished and 60 percentwere either malnourished or at risk formalnutrition. Of the malnourishedpatients, 77 percent denied having beenpreviously diagnosed with malnutrition.Malnutrition was highest amongpatients with symptoms of depression

(52 percent), those residing in assistedliving (50 percent), those with difficultyeating (38 percent) and those reportingdifficulty buying groceries (33 percent).Difficulty eating was mostly attributedto denture problems, dental pain or dif-ficulty swallowing.

In this study, nearly all (95 percent)of patients had a primary care physi-cian, nearly all (94 percent) lived in aprivate residence and nearly all (96percent) had some type of healthinsurance. More than one-third (35percent) had a college education.

Malnutrition is defined as lackingadequate calories, protein or othernutrients needed for tissue mainte-nance and repair. "For patients whoreport difficulty buying groceries,Supplemental Nutrition Program,Meals on Wheels, Congregate MealsPrograms or community-based foodcharities can be helpful, althoughother factors may also need to beaddressed," said Dr. Platts-Mills."The growing role of the emergencydepartment as community healthresource makes it an essential placefor identifying and addressing

unmet needs of older adults.Implementation of oral nutritional sup-plementation is inexpensive and mayreduce overall costs by acceleratingrecovery from illness and reducingreadmissions."

For more information, visitwww.acep.org.

Why Seniors Don't Eat: It's Complicated

Have you ever wanted to put your-self in the mind of a daily cartoonistand experience the ups and downsof producing a consistent flow ofhumor? Well, you might havemissed your opportunity if you werenot in attendance at theAugust meeting of the GoodOld Days (G.O.D.) Club.

The main speaker was oneBrian Crane, the very suc-cessful creator of the hitcomic strip “Pickles”. Theself-effacing Crane had awell produced Power Pointpresentation to go alongwith his talk. The storybegan when he was a youngchild and the examples ofhis early scribblings that heshowed to the audienceindicated that he had nopotential for an artisticcareer.

A medium-sized individualwith a ready wit and engag-ing personality, it was easyto see how Crane has beenable to inject his personalityin his two main characters,Earl and Opal. He notedthat when questioned aboutthe title of his script that theword Pickles was the lastname of the elderly couple.He said he did not see anydifference between the word“Pickles” and “Peanuts”,which was the name of thestrip by Charles Shultz, afellow cartoonist headmired.

He showed various drawings that ledup to the final result of his two maincharacters. At first he had the cou-ple with eyeglasses and eyes behindthem. When he finalized the two hewent for the no-eye opaque version.

He then showed a slide illustratingthat the blank-eye treatment was notan original thought, that slide was afamous shot of Orphan Annie andher dog Sandy.

(Pickle page 36)


BIGGEST little CityBy Harry Spencer

In a Pickle

When Crane was introduced byG.O.D. Club founder Bob Carroll, Bobnoted that at one time Crane hadspent one day working for him at hisad agency. Someone in the audi-ence asked Crane where he wouldbe today if he had stayed with Bob.Being politically correct, Crane didnot respond.

Crane interposed personal photoswith slides of several of his favoritecartoon strips. One photo showedhim napping on the couch whileawaiting his daily visit from hismuse. Another showed his wife pos-ing for him in a strip that resulted inOpal lunging into the dairy section ofa supermarket in search of thefreshest bottle of milk.

One of the most interesting of theslides was the cast of characters thathe created for his strip which includ-ed the daughter and her husbandand the grandson, Nelson, as well asthe dog and the cat. He said he

particularly liked situations where hecould cover the generational gap between Earl and Nelson.

Crane also noted that he had had astrong career as a professional artistprior to the creation of his cartoon.He also said that at the present time

“Pickles” is appearing in 900 news-papers, several of them overseas.Another interesting fact was that theSunday version of the strip is col-orized by his daughter whom he saidhad a better eye for that than hedid. Following his talk he took anumber of questions from the audi-

ence one of which he said heappreciated the most was, “Doyou ever first get the idea for apunch line for a joke and thenfigure out how to get there?” Hereplied that on many occasionshe had done so.

At the end of his talk, Brian hadseveral of his published books forsale and he autographed themall with personal messages to hisfans.

As far as G.O.D. Club TreasurerBill Berrum could figure out,Crane may have set a newrecord of attendance for a Clubspeaker.

The G.O.D. Club meets the thirdFriday of every month at theTamarack Junction Casino atnoon.36 / September / SeniorSpectrumNewspaper.com

Pickle / page 35

Crane at another presentation in 2012.


Bobby Burgess was televi-sion's first dancing star. Putaside Dancing with the Stars,Bobby was cutting a rug withthe samba, waltz, tango, jitter-bug, and more as the featureddancer on The Lawrence WelkShow for 21 years from 1961 to1982. Today you can still watchBobby on Welk reruns airingon PBS.

Before the Maestro, he wasdancing up a storm as an origi-

Dancing Star Bobby BurgessShares All in Book

nal Mouseketeer on WaltDisney's classic Mickey MouseClub TV series. Now Bobbytells all in his behind-the-scenes book, Ears & Bubbles:Dancing My Way from TheMickey Mouse Club to TheLawrence Welk Show (ThemePark Press, 2014).

Bobby takes you from theMouse to the Maestro, from

the "ears" to the "bubbles", as heshares his memorable encoun-ters with the Hollywood elite,his fellow Welk dancers andmusicians, and the often eccen-tric fans who enlivened theshow's national tours. Put on your ears—and yourdancing shoes—and join BobbyBurgess on a family-friendly,up-tempo journey!


TINSELTOWN TALK

by Nick Thomas

Since retiring from acting over adecade ago, versatile characteractor Nehemiah Persoff has

become a successful artist painting fromhis seaside home in Cambria, Calif.,(see www.nehemiahpersoffpaintings.com).

The Cambria Center for the Artshosted a birthday celebration on August4 for Persoff, who turned 95 a few daysearlier. This included screening a selec-tion of his films, and the artist evenauctioned some of his works, donatingthe proceeds to the Center.

But in 1989 Persoff experienced aTIA – transient ischemic attack –which is similar to a small stroke andoften considered to be a “warningstroke.”

“The doctors told me to slow down,”said Persoff from his home. He heededthe medical advice and believes thatpainting contributed to his recovery.“It certainly helped avoid another inci-dent,” he said. “I would recommend toall seniors that they try painting. They

will be surprised by their ability, and thepeace and calm that concentrating onthe painting provides.”

Persoff ’s screen career spanned six

decades, beginning in the late 1940s,and he became one of Hollywood’smost prolific character actors.

(Persoff page 40)

Nehemiah Persoff Retired from Screen to Canvas

Persoff and wife Thia at the Cambria Center for the Arts, August 4, 2014. Photo provided by Ian McLauchlan

explained. “I suggestedto the director thatperhaps I might bemore of a threat if Iwore lifts in my showsto make me taller. Sothe wardrobe peoplegave me high heels tomake me about six feet.When I walked on theset and the showdowncame, I looked over atArness and he was sud-denly seven feet tall. Hehad heard I was gettingshoes to make myselftaller, so he got a pair

too and was still a foot taller than me!”Today, Persoff enjoys retirement and

paints several hours a day while basking

in the West Coast sunset, rather thanthe Hollywood spotlight. But he givescredit to his first career for helping hissecond.

“When I got a role, I set my sightson being able to get under the skin ofthe character,” he said. “At first it wouldseem like a formidable task, but some-how I always got the job done. It’s thesame with painting. When you sit infront of a blank canvass, there is a feel-ing of ‘I can’t do it’ for many painters.But because of my acting experience, Ialways felt that I could do it, and I did.”

Nick Thomas teaches at AuburnUniversity at Montgomery, Ala, and is afree lance columnist.

Raised in Jerusalem, his natural tal-ent for dialects was quickly exploitedwhen Persoff moved to Hollywood aftera decade of stage and early TV work inNew York. Often cast in the role of eth-nic villains, he crafted a career playingslick gangsters, ruthless outlaws, andmenacing military leaders.

“I did play many villains, but alsodiplomats, doctors and scientists,”recalled Persoff. “So I don’t think I wastypecast. I enjoyed playing any charac-ter that was well written.”

In his second film, “On theWaterfront” in 1954, Persoff appears onscreen for just a few seconds as thetense cabdriver in the famous ‘I couldhave been a contender’ scene withMarlon Brando and Rod Steiger.Director Elia Kazan offered him $75 forthe role.

“There were Brando and Steiger inthe back section of a sawed off car,” saidPersoff. “I sat on a milk box withBrando and Steiger behind me. When itwas time for my close-up, Kazan whis-pered in my ear to imagine that ‘the guybehind you killed your mother.’ When Isaw the film I was surprised to see howeffective the close-up turned out.”

He went on to work with othergreats including Karloff, Cagney, and

Bogart on his final film in 1956, “TheHarder They Fall.”

“He was already very sick and hiseyes teared a great deal,” recalled Persoffof Bogart. “But he hadmoments when he wasvery sharp. He wasn’tthe sort of guy youwanted to tangle with.I heard him give onewise guy a tonguelashing that was devas-tating – you didn’t getsmart with Bogie!”

With over 400 filmand TV roles to hiscredit, Persoff admits

he has forgottendetails aboutsome. But he doesrecall an episodeof “Gunsmoke”with James Arnessin which the sixand a half footlawman refused toyield verticalground to the 5' 7"Persoff.

“I was sup-posed to be a gun-man who chal-lenged MarshalDillon,” he


Persoff as cabdriver in On the Waterfront.

Persoff in The Harder They Fall with Bogart (center) and Steiger. Photo provided by Persoff.

Persoff / page 38


The itinerary was won-derful, the kind weparticularly like.

Twenty-four days fromLondon to Montreal as theship would be repositioningfrom Europe to NorthAmerica. Leisurely, lovelyand long.

We would start in London,stop in Dublin, Belfast, theFaroe Islands, Iceland (thenorthern outpost of Europeand Europe’s most sparselypopulated country) and thenGreenland before reachingCanada with lots of sea daysinterspersed with days inport. The 430 passengerswere all seasoned travelerswho had chosen this voyagebecause they, too, enjoy thecombination of relaxation,scenery and unusual ports ofcall but Greenland was clearlythe “draw” for nearly everyoneon board.

My husband’s lecture “gigs”have provided many opportu-nities to sail on these reposi-tioning cruises, (also knownas “crossings”) but this rout-ing was somewhat unique.Stops in Ireland and Icelandaren’t that unusual but thistime the ship was to visit fivedifferent ports in Greenland,a harsh land of rugged beautyand crashing waterfalls, aboutthe size of Texas and Alaskaput together. Eighty-one per-cent of Greenland is coveredwith a massive ice sheetwhich is two miles thick.Only on the remaining twentypercent, along the jaggedcoast, are there towns or set-tlements. Several of the ports

of call would be maiden stops,meaning the ship had neverbeen there before. We wouldreach them after first cruisingthrough Prince ChristianSund. With one exception,the tiny Greenland ports haveno docking facilities so wewould have to reach shore viatender (life boats).

Two of the four lecturers onboard were geologists and oneof my husband’s talks is onthe political aspect of TheArctic (who owns it?) so wehad ample opportunity to bethoroughly educated on gla-ciers, geysers, icebergs,whales, the Greenland icesheet and the shrinking IceCap on the Arctic ocean.

The Arctic has taken on par-ticular significance since it isestimated that 25 percent ofthe known oil & gas reservesare located there. The fivenations bordering it haveexclusive economic zones tothese resources but strongdifferences of opinion as toextent of claim.

Reykjavik, in Iceland, is oftenvisited but tiny Isafjordur isnot. We practiced the pro-nunciation as we walked intotown where everyone wasexcited to see visitors. Wemet the owner of the hard-ware store who was so eagerto tell us about everything sheeven invited us to visit herdairy farm; thirty pleasantminutes with her was moreenlightening than any travelbrochure. There were somany passengers wandering

(Greenland page 42)

this ‘n that By Anne Vargas [email protected] Greenland isn’t green...

the streets, browsing the fewshops and chatting with the locals itwas almost a party atmosphere. Ahappy ship set sail that night, everyonelooking forward to the upcoming high-light of the voyage, cruising PrinceChristian Sund, before reaching the ports in Greenland.

Two days later everyone was up early aswe slowly navigated our way throughicebergs, as glorious as everyone hadexpected. As we gaped at them, thecurious whales gaped at us andnearly everyone managed to spotthem. (Everyone except me; Iwas always saying “where?” whileeveryone else was saying “there!”If a whale had leapt up onto thedeck, I probably would havemissed it.) We had sun toaccentuate the white of the iceagainst the blue of the water butneeded the heavy parkas andgloves the sensible passengershad the foresight to bring.Typically, I was not among thatgroup. (My inability to get itright in the packing department,even after all these years, isastonishing.)

We set foot on Greenland soil inQaqortoq where colorful houses dotsteep hillsides. With a population ofapproximately 3000, it is the fourthlargest town on the island. The unwrit-ten history of the Inuit population hassurvived in songs, stories and legendspassed on from one generation to thenext and they welcomed us there withsmiles, eager to display their well-known stone carvings.

After another day at sea, Paamiut wasto be the next stop but we had to miss itbecause the tender landing situationwas so totally inadequate, with crum-bling wood, missing steps and no handrailings it was an invitation to disaster.There was to be yet another day at seabefore reaching the next port, nowthere were two, but a delightful experi-ence lay ahead.

Illulissat, situated on Disko Bay, is themost popular tourist destination in thecountry due to its proximity to Icefjord,a UNESCO World Heritage Site. Weawoke to find the ship surrounded bymassive icebergs along with ice floes sonumerous and thick the ship couldn’teven get close to the town but no oneminded. This unanticipated situationwas wonderful because we spent theday on the decks and at the windowswatching the icebergs calving directly infront of us.

Stop four was Sisimiut. By then theblue of the sky andthe white of the icehad been replaced bythe darkest of greyswith torrential,relentless rain andthe sea seemedalmost black. Mostof us opted to ven-ture out to exploreanyway, despite thediscomfort of soggyfeet, but the sojournswere brief. Thereare more sled dogsthan people in manyof these towns.These are not dogsto approach or pet, they resemblewolves and are kept tethered. Theirvalue lies solely in transportation of

goods as well as people during theharsh winters.

Stop five was Nuuk, the last port inGreenland before heading for Canada,the U.S. and home. The largest town inthe Arctic, it was bathed in ghostly greywhen we arrived. With 16,000 inhabi-tants, it seemed almost cosmopolitan bycomparison to the preceding ports andit is the smallest capital city in theworld. The area around Nuuk was firstinhabited by the ancient, pre-Inuit

Paleo-Eskimo people as farback as 2200 BC, by the Vikingexplorers in 10th century andshortly thereafter by presentday Inuit peoples so there wasa great deal worth seeing in themuseum. We also visited a furworkshop where the skins weredrying outside and the SantaClaus House in the center oftown beneath an enormousChristmas tree. It handles let-ters from all over the worldaddressed to Santa Claus and areply is guaranteed.

I didn’t see any green inGreenland but we sailed away

with lovely lingering memories of foggy,ethereal grey and white of the glaciers

disgorging icebergs into the pristineblue water. All of it was gloriousbeyond description.


Greenland / page 41

Disko Bay massive iceberg.


We’ve neverbeen inter-ested in tak-

ing an ocean cruise, but we have done abit of riverboat travel– once down theRhone River in France, another time onthe Vltava River in the Czech Republic,and on the Yukon River in Alaska.We’ll be in New Orleans by the end ofthis month and are thinking of bookinga ‘Swamp Boat Tour of Cajun Country’.A couple of hours cruising the swampwith alligators and snakes; what do youthink? Sound exciting?

High on our bucket list is to somedaytake a Mississippi riverboat trip. At2,320 miles long, the Mississippi Riverbegins at Lake Itasca in northernMinnesota and flows into the Gulf ofMexico. In its course to the sea, the

Mississippi touches or flows through 10states: Minnesota, Wisconsin, Iowa,Illinois, Missouri, Kentucky, Tennessee,Arkansas, Mississippi, and Louisiana.Cities all along the Mississippi Riverand its tributaries offer riverboat tours.

Especially enticing for us is the eightday Mississippi River Cruise from St.Louis to New Orleans on the CruiseLines. As advertised, the new paddlewheeler has the look of a traditionalriverboat with the added plus of mod-ern amenities. We like the ‘modernamenities’ part. Also that it onlyaccommodates 150 passengers.www.mississippirivercruises.com.

We would be traveling in part the routeof Robert’s grandfather, the steamboatcaptain for whom he was named.

One of Robert’s proudest possessions isa charcoal rendering by R. A. Rathmannin 1892 of his grandfather’s riverboat,the S.L. Wood. Accompanying the pic-ture are two certificates attesting to theskill of Robert’s grandfather, RobertFindley Boyd, as a “Steam VesselMaster” who “can be entrusted to per-form such duties upon the waters ofwestern and southern rivers, and he ishereby licensed to act as such Master ofsteam vessels for the term of one yearfrom this date – third day of October1888.”

Robert’s grandfather had many non-river jobs but, like Mark Twain, lovedriver boating most of all. He started asa deckhand and lamp dimmer in 1872,and was soon promoted to First Mate

(Cruising page 44)

Mississippi River CruisingRobert Boyd & Carolyn Prusa


where he served for nine years on theJoe B. Williams boat, which at that timewas the largest boat on the river. Fromthere Master Boyd was made Captain ofthe S. L. Wood where he served fornine more years before retiring in 1898.

One of the more fascinating storiesrelated to Robert about his grandfa-

ther’s life on the S.L. Wood was the dayon the Mississippi River when theRobert E. Lee – at that time the mostrenowned and fastest – pulled alongsidethe S. L. Wood and challenged CaptainBoyd to a race.

Without hesitation, Captain Boydaccepted the challenge by ringing theship’s bell and ordering the engine room

to “turn up the steam”. According toCaptain Boyd, the race lasted half anhour with the S. L. Wood winning by aboat length after the Robert E. Lee toot-ed its horn as a sign of surrender.

It’s too bad we can find no officialrecord of the race since the Robert E.Lee was long considered the swiftestand most prestigious boat on theMississippi.

Mississippi River Tours:Mississippi River Steamboat tours outof New Orleans now explore quaintriver towns, antebellum mansions, CivilWar battlefields, museums, and more.www.neworleanscruiseguide.com.

The Queen Steamboats – AmericanQueen, Delta Queen, and MississippiQueen – have a rather extensive sched-ule of tours depending on the season.Operating out of river ports in NewOrleans, Nashville and Chattanooga,passengers can enjoy theme cruises fea-turing Big Band and Cajun music, andeven the Civil War history.

At other times the cruises offer a lec-ture on the history of the river. Specialholiday cruises – Independence Day,Christmas, New Years – are also on theschedule. www.americanqueensteam-boatcompany.com.

Sailing out of Dubuque, Iowa, AmericanLady Yacht Cruises offers a variety ofexcursions: Evening Dinner Cruises,Happy Hour Cruises, and SundayLunch Cruises. www.americanladycruises.com.

For a time, river boating was losingmuch of its appeal to ocean liners andhigh-flying travelers. The good news isthat river tours, in the U.S. and abroad,are once again on the radar of adven-ture seekers.

After we’ve had the opportunity toexperience the romance of life onAmerica’s great Mississippi River, restassured you’ll be among the first to hearabout it.

Cruising / page 43


“Spectra” Delivers High Visual Impact Entertainment

From the producers of “Illuminaire” comes “Spectra,” amesmerizing show that delves into the spectrum of light andfire.

“Spectra” blends elements of live percussion, New Berlinstyle circus, powerful lasers and effects, aerial acrobatics,exotic contortion, dazzling costumes and fire performance todeliver high visual impact entertainment.

Created exclusively for the Eldorado by the internationallyacclaimed show team Phoenix Productions, “Spectra” is anexperience that illuminates the power and artistry of fire andlight.

In creating the show, Phoenix Productions’ intention wasto create a show very different from “Illuminaire,” but withthe same caliber of entertainment. Whereas “Illuminaire” wassteeped in fantasy, “Spectra” is edgy and raw. The costumeshave a more industrial feel with elements of steampunk.LED plays an essential part of the show. “We are proud to beleaders in LED performance,” said producer Marc Brouard.“We have taken our LED effects and programming to newlevels since ‘Illuminaire’. “This production is something verynew and we are sure that people have never seen anythinglike it, not even in Vegas!”

Experience “Spectra” now appearing in the EldoradoShowroom. Tickets start at just $25.95 with dinner and showpackages available from $39.95. Performances nightly exceptMonday at 7 p.m. with an additional 9:30 p.m. showing onSaturday nights. For more information on show times andtickets call 800-648-5966 or visit www.eldoradoreno.com.

Senior Spectrum Newspaper September 2014

Documents

Transcript of Senior Spectrum Newspaper September 2014