New Issue 1: 2019

Chapters Retirement Guide

Everything You Need to

+
Ask Your Financial Planner
zz Forever Home: How to Age in Place
zz Tips for a Healthy Body & Healthy Mind for Retirement
 Talk With Your
Financial
Advisor

Thinking of retiring? Here’s what you should be thinking about and when
By Robin Gibson

Ah, the Golden Years — in decades past, this meant reaching a certain
age and retiring from a job you’d held most, if not all, of your adult life. A
gold watch or plaque marked the occasion often with a party to punctuate
it. Retirement plans were set in stone and bore the terms of pensions and
benefit plans supplemented in part or in whole by employers, themselves.
However, it’s safe to say, looking back, the Golden Age of Golden Years as
previous generations knew it is over. Long gone are restful nights of sleep
whereby you knew that loyalty to your company would be rewarded with
security in your twilight years. Replacing it is a new era of self-reliance with
almost no security beyond the discipline to save and seek sound advice.
With this in mind, we’ve reached out to experts for tips on what to do and
when in order to fulfill and live out the concept of retirement. With proper
planning, you can.
In order to make your Golden Years possible, the key is start thinking
early. Here are the most important questions to ask your Financial Planner
and when:

2 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019
 20 years out
By now, if you work for a company, you should
have explored the existence of a retirement vehi-
cle such as a 401(k) plan. If you are employed
and have access to one, now is the time to con-
tribute up to the maximum of any employer con-
tribution. If you are not an employee but, rather,
self-employed or participating in the gig econo-
my, explore IRA options.
15 years out
How much does it cost you to live? With a little
over a decade left, you should now have a good
idea of what it takes to sustain your lifestyle. You
should also have a pretty good handle on what
your debt load is and what your expenses will be
down the road. For example, if you have a mort-
gage, how many years are left before it is paid
off? Will you remain at home to age-in-place or
retire to a community? These are all questions
that you should begin defining at this point.
10 years out
Are you healthy? What types of medical expens-
es do you currently have or do you anticipate
having down the road? Figuring out how to afford
and sustain healthcare is likely to be one of the
biggest hurdles to overcome as a senior. Will you
have access to private plans to supplement
Medicare? What will the premiums be and how
much will recurring medications cost? You can’t
expect to enjoy retirement if you are not healthy.
With ten years left, identifying these expenses
now will serve you well in the end.
5 years out
What will your tax implications likely be when
you retire? Start investigating now so that you
are well prepared to face whatever they may be.
Keep in mind, that some, in fact, many, underes-
timate their tax obligations from either failing to
take into account capital gains from the sale of
primary residences, for example, or not recogniz-
ing the proper tax bracket. Consider all sources
of income and the decisions to come in order to
determine exactly what your tax liability will be.
1 year out
This close to retirement, healthcare is top of
mind again because now is when you need to be
signing up for Medicare. Eligibility begins when
you turn 65 years old and there is a six-month
window — three months before, and three
months after — your birthday where you can sign
up penalty-free. Because you explored your
healthcare expenses almost a decade ago,
you’re prepared and planned for the expense of
premiums.
6 months out
You are so close you can see the light at the
end of the tunnel. But exactly how bright that will
be depends on how diligent you have been in the
years leading up to this. With retirement a short
six months away, a look at your overall portfolio
is prudent. Where do you stand? You should
also, if you haven’t already, check into Social
Security benefits.
1 month out
It’s the fourth quarter with only a few seconds
left in the game. Only a Hail Mary pass will save
you if you have neglected your responsibilities in
the years leading up to the finale. But, assuming
you didn’t, you can rest easy knowing you’ve
done your due diligence. Last minute details at
this stage include reviewing estate documents
and beneficiaries on all assets, and establishing
an emergency cash fund for unexpected expens-
es that may arise.
CTW Features

Thinking of prearranging? CountryView Assisted Living

Call Peterson Funeral Home.
• Caregivers who put you first.
• Experienced with 48 years of caring for people.
• For a no pressure appointment • Private & Semi Private Rooms at affordable,
• To meet with a licensed funeral all inclusive pricing!
Contact us today
director, not a salesperson • Helping you keep as much independence
to arrange your free consultation • Someone who is part of your as possible.
community and cares about you.
PETERSON FUNERAL & CREMATION SERVICES IMMEDIATE OPENINGS
205 E. Cass St., Cadillac, Michigan 49601 • 231-775-3411 • www.petersonfh.com AVAILABLE CALL TODAY! 231-328-4695
CountryViewAssistedLiving@gmail.com
Ross C. Meyering, Manager/Director • Megan Meyering-Brinks, Director

Wednesday, April 24, 2019 | www.cadillacnews.com Cadillac News - New CHapters Issue: 1 3
 Breaking Down Parts of the

Submitted By
Medicare Maze
Wexford County Council on Aging
Congratulations! You have reached the golden age
of retirement! This may allow you to gain entrance to
the Medicare Maze! Don’t be frightened, we are here
to help you navigate thru it.
First, let’s start with some facts: If you were born in
1954 this is the year you qualify for Medicare, even
though you will not qualify for Social Security benefits.
Let’s break down parts of the Medicare Maze for
you.
Part A: This covers hospitalization and is free to
most people based on the credits you earn working.
Part B: Covers doctors, outpatient services such
as preventive services like health screening exams,
wellness visits, lab tests, and immunizations to
help prevent, find, and manage medical problems.
Part B costs $135.50 per month. This payment is
 
set up as an auto-deduct from you banking acct or
done yet. You still have to find out the difference
from your Social Security benefit, if you are receiv-
between Advantage plans vs. Supplemental plans.
ing any.
And then we need to talk about penalties.
 Part C: Refers to Advantage plans. These plans
combine the coverage on Part A, Part B, and usu-
ally Part D. These parts are combined to look simi-
lar to employer insurance. There are 17 plans avail-
able in Wexford County. The cost of these plans
can vary. You will still pay for this plan premium, if
any, in addition to the Part B premium of $135.50.
 Part D: Prescription Plans galore. Did you know
there are 29 prescriptions plans offered in Wexford
and surrounding counties? Prescription plans are
county and state specific and they can range in
price from $15 each month to 90 each month.
After choosing a plan, remember you should make
an Open Enrollment appointment with our Medicare
counselors each year, October 15- December 7, to
see if your plan still meets your needs. Open
Enrollment is the time to make any changes if
needed.
So are you lost in the Maze yet? Well, you are not
All this information and decisions can be confusing.
This is exactly why the Wexford County Council on
Aging offers a free workshop designed just for those of
you who are “New to Medicare.” This workshop is
called Medicare Monday and is conducted on the
Second Monday of each month, January thru
September. It is at 4:00 pm and is held at the Wexford
County Council on Aging office at 714 W. 13th Street in
Cadillac. Seating is limited so please call 231-775-
0133 to reserve your seat at the next session or for
more information on this program and other services
the Council on Aging offers.
 The Medicare Monday workshop is conducted by
one of our certified Medicare/Medicaid Assistance
Counselors. If you still have questions we can also
make an appointment with our counselor for an indi-
vidual session. In this appointment you can address
your questions and concerns regarding your personal
circumstances.
 Our mission with this program is to give you the
unbiased information you need to make these impor-
tant decisions regarding your health insurance.

4 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019
 How to Choose an

Audiologist
Audiologists provide extensive servic-
es for hearing and balance disorders
from birth through adulthood.
An audiologist is an expertly trained
healthcare professional who diagnosis
and treat hearing and balance prob-
I could use a hand!” lems. Audiologists have obtained
either a Master’s and/or Doctoral
degree (MS, MA, Au.D) from an accred-
ited graduate program in audiology.
Audiologists are located in a variety
of practice settings that can include
hospitals, medical centers, ENT clinics
g aid. and private practice. They belong to
several national organizations guided
Discover A-May-Zing Hearing by a Code of Ethics and are also
el. licensed professionals in most states.
hearing aid candidate patient that tar-
gets best options for hearing aid suc-
cess. Most of today’s hearing aids are
digital with technology options to opti-
mize speech understanding. These
features include automatic/multi
directional microphones for best
speech signal focus for speech clarity,
direct streaming to phones, TV and
other audio devices, rechargeability
and telecoils for loop systems. Style
and technology of hearing aids select-
ed are determined based on individual
patient hearing loss needs, dexterity
and overall lifestyle and budget.
Audiologists may provide a risk free,
real world demo hearing aid trial, a “try

Celebrate a-May
May is Better Hearing Month Event! Approximately 40% of the popula- before you buy”, to determine which
-zingtheHearing
Now through end of May Health tion in the United States will experi- product will provide the patient with
ence some form of dizziness or bal- the best successful outcome.
CALL TODAYJoin
ith healthy hearing, you have the ability FOR A FREE
us for our freeCONSULTATION
Better Hearing Event ance difficulty over the course of a Audiologists use advanced technology
AND
make memories, learn language, connect RISK FREE TRIAL
At this event dedicated to hearing health, you’ll: lifetime. Underlying causes can range (real ear/probe mic, speech in noise
APPOINTMENTS
ith others and so much more. However, one ARE LIMITED from simple viral/inflammatory condi- testing) for verification of optimum
complimentary hearing screening.
231-775-9398• Receive
10 people experience hearing loss. OR 877-775-9398 tions of the inner ear to injury to the hearing aid performance.
Learn healthy ear tips. RISK FREE inner ear from ototoxic mediations, Hearing aids can be costly and the
ay is Better Hearing & Speech Month.
You’re invited• to learn and experience head injury, brain tumors or stroke. following is a checklist in purchasing
t [Office Name], we want to help you Phonak’s Audéo • HaveMarvel
™
a chancehearing
to win aids.
prizes. Audiologists conduct advanced testing hearing aids:
lithium-ion
nd your family stay connected to When
all the you power
attend, you are eligible
justnew
• Learn about
for:
like
innovations in hearing
to identify and manage dizzy/balance • Request and seek a referral to a
eautiful sounds
Phonak life has
Audéo™ to offer. • A complimentary hearing consultation
Marvel issues that assist in reducing falls and reputable audiologist;
your smartphoneand communication
• FREE demonstration of the Phonak Audéo technology.
™
Marvel devices • Request a risk free, real world, demo
additional injury.
et’s make this month • A RISK FREE TRIAL of Phonak Audéo ™
Marvel devices Audiologists are the experts and key hearing aid trial if available before
• 3 year warranty and service on all finalized purchases deciding to purchase;
professionals fitting most of the hear-
-May -zing for your hearing! • Inquire about a trial period with the
ing aids dispensed in the US. selected aids ordered and any non-
d”Asktoday!
RSVP our hearing care professionals about Phonak Audéo
today! XXX-XXX-XXXX
Marvel products and the unique features they offer.
™
Hearing loss is third most common refundable fees for return within this
physical condition affecting people of trial;
all ages. Approximately 48 million • Request in writing, a purchase con-
Americans (20 percent) have hearing tract addressing the cost of the
on of the New Audéo Marvel product, cost for additional follow up
oin us for our free Better8872
Hearing Event
Professional Dr # A loss.
Hearing loss can affect speech and services, warranty of the hearing
Cadillac, MI 49601-8482 aid(s) and any non-refundable fees
day only, May XX, 2018 language development in children,
(231) 775-9398 for in trial returns;
or toll free at cognitive decline and memory loss in • Inquire regarding follow up services:
eceive complimentary hearing screening • Learn healthy
“The ear tips • Have a chance win prizes
fortoHearing adults and contribute to social with- is the office easily accessible for
1-877-775-9398
Professional Choice
arn about new innovations in hearing and communication technology.
Healthcare and Balance Assessment” drawal, depression and anxiety. appointments, supplies, loaner
231-775-9398 Hearing loss can also negatively hearing aid product in the event of
ook your appointment today at: impact lifelong income earnings. necessary repairs, etc.
or toll-free 877-775-9398
XX-XXX-XXXX • providerurl.com Audiologists provide extensive hear- • Have realistic expectations: hearing
[PRACTICE PHOTO OR MAP] www.aschearingclinic.com
Left to Right: 8872 Professional Dr., Suite A ing aid selection and follow up servic- aids will assist in improving speech
Dr. Kelly Pendrick, Audiologist Cadillac es to patients following a comprehen- hearing and understanding but they
Dr. Sharon Blackburn, Audiologist do not restore normal hearing.
Visit us online: sive hearing evaluation. They assist in
Hearing aids are electronic, medical
Dr. Amie[PRACTICE
Ruppert,LOGO]Audiologist
www.aschearingclinic.com determining if there is cause for medi-
Your Photo devices that improve speech hearing,
or cal intervention and referral following
clarity and quality of life. Audiologists
Inc. All rights reserved. MS-XXXXXX. 207NEW
Clinic Map the hearing evaluation. A personal
are the experts and key professionals
acticeMAJOR
NameINSURANCES ACCEPTED AFFORDABLE PAYMENT PLANS
needs survey is completed for each
for hearing and balance disorders.
reet Address
ty,Wednesday,
State April 24, 2019 | www.cadillacnews.com Cadillac News - New CHapters Issue: 1 5
 Healthy
Body,
Healthy
Mind
Checklist for
Retirement
Staying physically By Lisa Iannucci with,” said Joan Price, an expert in sex, dating, and
relationships and the author of “The Ultimate Guide to
mobile and socially Congratulations! You’ve worked hard and now you’re Sex After 50: How to Maintain – or Regain! – a Spicy,
connected are keys about to enjoy the perks of retirement. Staying physi-
cally mobile and socially connected are keys to a long,
Satisfying Sex Life” http://www.nakedatourage.com/.
Once you retire, and as you age, the relationships
to a long, happy happy retirement, but, we seem to spend more time
focusing on financial security and very little time plan-
and friendships you have may start to change. You
may not see your co-workers on a social basis any-
retirement. Here’s ning for good health and connectedness.
“We need to focus on what we can do in our retire-
more or friends may pass away unexpectedly. Perhaps
when you retire you are going to relocate to a new
how to prepare for ment to keep our mind and emotions healthy too, and
that involves relationships not just with our significant
destination where you need to make new friends. But
how do you go about keeping social and meeting new
your work-free days other, but also with friends we can go to and do things friends?

SHINGLES VACCINES AVAILABLE

No AppoINtmENt NECESSAry
• Friendly, helpful service

Bostick’s Drugstore
• Hometown caring • A name you can trust
• No answering service, we answer our own phones.
• Arrangements custom built to your needs.
117 W. MAIN ST., MANTON • (231) 824-6465
• In-house luncheon facility
www.bosticksdrugstore.com • FAX (231) 824-6466
Emergency After Hours Service • Free Deliveries • Gifts/Cards
MIKE MOFFIT, PHARMACIST
Quality Hometown Care, for a Healthier You!
OPEN MON.-FRI. 9 AM-5 PM, SAT. 9 AM-1 PM

6 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019
 “You always hear about fitness
for health, but there is also
fitness for agility and preventing
falls. You want to enjoy the
benefits of exercise so you don’t
fall and break a hip because
there could be catastrophic
consequences.”
Dr. Jonathan Rich
Primary care physician at
Mercy Medical Center in Baltimore

“Find something that you love doing and start

doing it again,” said the 75-year-old Price. “We let
life interfere and let things go away that we once
liked to do.”
For example, Price said she loves reading novels,
but didn’t have anyone to talk to about how good,
or bad, they were, so she decided to start a book
club in her area.
She also enjoys teaching line dancing to other
seniors. “They love it too because it’s a way to be
social and get movement in their lives and it’s
fun,” said Price. “They make friends and even do
couch all day you’re setting yourself up for depres-
things together outside of the lessons.”
sion.”
Maybe you enjoy watching movies, singing or hik-
To keep yourself healthy so you can enjoy travel-
ing. Price suggests finding local groups with the
ing, visiting the grandkids or whatever else you
same interest. You can do this by looking on meet-
want to do in your golden years, Dr Rich said there
up.com for groups that interest you, and maybe
are several things you should do even if you’re on
even try something new. “It’s a wonderful way to
the cusp of retirement.
find activities that are happening in real time and
“Before you retire, and especially if your health
get connected with others,” she said.
insurance is going to change, make sure that
You can find a Meetup group on pretty much any
everything is up to date,” he said. That means you
activity, but if you don’t find something you might
should have routine and preventative procedures
want to try, you can start a Meetup group of your
done such as colonoscopies and bloodwork and through a simple workout routine.”
own and invite people to join.
fill medications. If the idea of hitting the gym doesn’t thrill you,
“You always hear about fitness for health, but find an activity that you do enjoy. There are exer-
Health and Happiness there is also fitness for agility and preventing cise classes at senior centers and local colleges
You’ve worked so hard that sitting on the couch falls,” says Dr. Rich. “You want to enjoy the bene- as well as educational programs through your
and doing much of nothing might sound like a fits of exercise so you don’t fall and break a hip local hospital.
whole bunch of fun, but Dr. Jonathan Rich says because there could be catastrophic consequenc- By implementing some of these health and
the novelty can wear off pretty fast. es.” social changes and adding new activities even
“You might be retiring from one thing, but you Now that you’re retired, you really have no before you retire, you will have an easier transition
have to find something that’s fulfilling to take its excuse not to exercise. “You have all the time in for when you actual hang up your work clothes
place because a day is long,” said Dr. Rich, a pri- the day because you’re not working,” said Dr. Rich. and ride off into retirement.
mary care doctor at Mercy Medical Center in “Instead of getting up at 7 a.m. to go to work, now
Baltimore, Maryland. “If you sit at home on the © CTW Features
you can wake up later, go to the gym, and go

Spring SALES prOMOTiOn

FROM PLUGER MECHANICAL
VALID FROM APRIL 1, 2019 THRU JULY 31, 2019 (while supplies last)

INSTALL NEW 2 TON WHOLE HOUSE A/C SYSTEM

$2,995.00 + sales tax
and RECEIVE A $100.00 MEIJER GIFT CARD
2 ton A/C system sized for 1500 sq. ft. house
SCHEDULE AN A/C TUNE UP AT $155 and RECEIVE A FREE FURNACE INSPECTION!
nO A/C SYSTEM? nO prOBLEM! SCHEDULE A FUrnACE Or BOiLEr inSpECTiOn/CLEAning TODAY
FOR MORE INFO CONTACT PLUGER MECHANICAL, LLC
231-282-3194 or aaron@plugermechanical.com
Wednesday, April 24, 2019 | www.cadillacnews.com Cadillac News - New CHapters Issue: 1 7
 Go Out On Your Own Terms
– Declare Your Wishes in an Advance Directive
Submitted By
Hospice of Michigan
If you found yourself suddenly facing end-of-life, do
your loved ones know how you want to live out your
final days, especially if you cannot communicate your
wishes?
Death, especially our own, is not a topic most of us
are comfortable talking about. But discussing and
documenting who you want making medical decisions
on your behalf if you’re unable, the medical treatment
you do and don’t want and what personal, spiritual and
emotional support you prefer will help ensure your end-
of-life experience is controlled, dignified and peaceful.
So where to begin? Michael Paletta, MD, FAAHPM,
senior vice president, chief medical officer for Hospice
of Michigan offers this advice:
It’s never too early to put a medical emergency plan
in place. Whether you’re a young couple starting out or
facing retirement, it’s never too late to discuss your
end-of-life wishes with your loved ones, clarifying your
preferences if faced with catastrophic illness.
Put your preferences in writing! Dr. Paletta recalls a
family struggling with the son’s insistence that his
father would want every life-saving measure. His sister
maintained dad told her he “didn’t want to be like a
vegetable” and would not want such intervention.
“Both were right and sincere,” says Dr. Paletta, “but
since dad didn’t have an advance directive, it’s like the
conversation never took place.”
Select a patient advocate you trust to carry out your
wishes, whether or not your advocate personally
agrees with them. Most families have an dominant
member who often takes charge,” says Dr. Paletta.
“That person may not be the best choice, substituting
their feelings in making decisions, deciding ‘mom
didn’t want a feeding tube but we’re going to do it any-
way.’”
Any relative, close friend or acquaintance can be
selected to make medical decisions on your behalf.
Under Michigan law, however, only patient advocates
designated in writing are recognized.
Draft an advance directive that is specific and com-
prehensive. Avoid vague language like not wanting
“heroic measures.” Be clear about which medical inter-
ventions you do and don’t want. Patient advocates
cannot override your advance directive, but your word-
ing should not leave your desires open for interpreta-
tion.
Equally important to addressing medical treatment
is documenting the ambiance you want at end-of-life.
“It’s not for us to decide what makes someone else
comfortable, or what a ‘good death’ entails for anoth-
er,” says Dr. Paletta. “We might think quiet and candle-
light, but not everyone wants that. Someone may want
blaring rock or want to wear a specific blue dress. We
have a right to decide how we want to die and have
someone carry that out.”
Creating an advance directive does not have to be an
expensive effort involving a lawyer. Hospice of Michigan
directs patients and families to Have You Had the Talk
(http://haveyouhadthetalk.com/) for resources and
tools to help facilitate conversations and create a bind-
ing advance directive.
“It’s a great, easy-to-use guide,” says Dr. Paletta. “I
used it with my own mom.”

Our State. Our Town. If you or someone you love is living with a term

Our State. Our Town.

.
illness, choose thelove
experts atwith
Hospice of Michi

Our Hospice
If you or someone you is living a terminal
to help.

Our Hospice.
illness, choose the experts at Hospice of Michigan
to help.
Backed by a statewide network of resources,
Hospice
Backed of Michigan
by a statewide provides
network support like no one
of resources,
else.ofFor
Hospice nearly provides
Michigan 35 years,support
our local
liketeam
no oneof hospic
else.certified
For nearly 35 years, our local team of hospice-
physicians, nurses, hospice aides, volunt
certified physicians, nurses,
and counselors hospice aides,
have supported volunteers
thousands of
and patients
counselors and families in Cadillac and of
have supported thousands the surround
patients and families
communities, in Cadillac
helping them and the surrounding
make their best care
communities, helping them make their best care
decisions to improve comfort and quality of life.
decisions to improve comfort and quality of life.
Insist on the best. Insist on Hospice of Michiga
Insist on the best. Insist on Hospice of Michigan.

888-247-5701
888-247-5701 | hom.org
| hom.org
932
932 N. N. Mitchell
Mitchell St, Cadillac
St, Cadillac

FRONT:
FRONT: Kathy
Kathy Reid,NP,
Reid, NP,Dr.
Dr.Mark
MarkZook,
Zook, April Sibinovski 2ND
April Sibinovski 2NDROW:
ROW: Will
WillGasper,
Gasper,Kathy Lietaert,
Kathy Betsey
Lietaert, Sivec,
Betsey Sivec,
Vera
Vera Harris,
Harris, MindyPurvis,
Mindy Purvis,Sandy
SandyFaiella,
Faiella, Julie
Julie Rasmussen,
Rasmussen,Jenn
JennSimmer,
Simmer,Amanda
Amanda Mead, Margo
Mead, Jacobs
Margo Jacobs
BACK
BACK ROW:
ROW: KathySandage,
Kathy Sandage,Libby
Libby Trowbridge,
Trowbridge, Jessica
JessicaNix,
Nix,Nicki
NickiHavens,
Havens,Erin Root,
Erin Allison
Root, Herring,
Allison Herring,
Tim Bedker, Walter Ross NOT PICTURED: Karen Bartholomew, Bob Fernandez, Donna Franklin, Sheri Hepler,
Tim Bedker, Walter Ross NOT PICTURED: Karen Bartholomew, Bob Fernandez, Donna Franklin, Sheri Hepler,
Cindi Jacobson, Pam McCullough, Anita Merritt, Katlyn Nichols, Katie Ranes, Cindy Wood
Cindi Jacobson, Pam McCullough, Anita Merritt, Katlyn Nichols, Katie Ranes, Cindy Wood

8 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019
 Peace of Mind Caring &
Committed
Submitted By
Enjoy knowing our dedicated Autumnwood of McBain
healthcare professionals are Caring and committed. Two words
that describe the staff and volunteers of
here to care for you like family. Autumnwood of McBain, a Medicare and
Medicaid-certified skilled nursing facility.
For all, the caring comes naturally; borne
from a passion to serve others. For
many, that passion has translated to
years of service and the determination
★★★★★ to advance in their profession. Their car-
ing and commitment has help build a
5 Star facility recognized for its outstanding
Quality Rated quality of care.
by the Centers Quality of life for residents is the focus
for Medicare for Director of Nursing, Kristie Hanna,
and Medicaid RN. She herself has dedicated 16 years
Services to Autumnwood and its residents. “This
is home for both residents and employ-
ees,” explains Hannah. “It is extremely
important for us to maintain our family-
oriented atmosphere.”
Our licensed therapists work with Autumnwood has 27 employees with
over 10 years of service. Of those, six
you to restore your independence have over 20 years and two with over 30
through: years. Very impressive statistics for an
industry with notoriously high turnover
• Physical, occupational and rates. “It is in their heart to serve. They
speech therapies do it because they genuinely care for our
residents,” said Hanna.
• Physician-directed care plans She is proud of her nursing staff –
• Family/caregiver training three of which started at Autumnwood
as Certified Nurse Assistants and went
for your transition home on to earn their Registered Nurse
degrees. The longevity of staff instills a
sense of familiarity for the residents.
“They are called to this service – making
a positive difference in the residents’
lives,” extols Kristie.
That longevity and commitment to
Autumnwood’s residents extends to the
invaluable team of volunteers. Stacy
Rhoades, Certified Therapeutic
Recreation Specialist, is Autumnwood’s
Life Enrichment Coordinator. She is
responsible for keeping residents
220 S. Hughston Street | McBain, MI 49657 engaged and entertained – quality of life
phone 231.825.2990 | fax 231.825.2679 always the central theme. “Our volun-
www.cienahealthcare.com teers bring in additional activities and
provide a great opportunity for our resi-
For more information, A dents to socialize,” said Rhoades.
please call our 24/7 One such pair of volunteers is fondly
admission direct line: known as the Ice Cream Ladies. Harriett
231.667.0650 Community
Borgman has been dishing out ice cream
to residents weekly for over 20 years;
Wednesday, April 24, 2019 | www.cadillacnews.com Cadillac News -
her current ice cream partner, Gladys
Uitvlugt, for about half those years.
Other volunteers include clergy, the
Charming Chimers, Kitty on the Keys,
and several local Amish youth groups.
The newest volunteer duo is one
Rhoades has been searching out for
some time through Therapy Dog
International– Theresa Towner and her
therapy dog, Callie. “The residents love
them,” said Rhoades. “They are particu-
larly beneficial for those who don’t or
can’t participate in group activities.”
Rhoades is always looking for more
volunteers. “New and different pro-
grams entice the residents to join in and
it is fulfilling for volunteers, too,” she
said.
The dedicated staff and volunteers of
Autumnwood of McBain measure their
work by the quality of life of the resi-
dents. “We concentrate on how we can
make it better from the first day they are
here. How can we assure the best qual-
ity of care?” Hannah explains, “We look
at what we are doing to make a positive
difference in our residents’ lives – medi-
cally and socially.”
This drive to do the best is rewarded
with high marks from respected accredi-
tation organizations. Autumnwood is a
5-star rated community by the Centers
for Medicare and Medicaid Services
(CMS). CMS conducts periodic health
inspections, analyzes staffing, and con-
siders quality of resident care measures.
Autumnwood recently received
Providigm’s Advanced Quality Assurance
and Performance Improvement
Accreditation – an achievement earned
by less than 2% of the country’s skilled
nursing facilities. The advanced accredi-
tation confirms that Autumnwood is con-
tinually assessing things that impact
residents’ quality of life.
Hanna practices the philosophy of
being proactive versus reactive and fos-
ters this in her team. “We ask ourselves,
‘What are we doing to make a positive
difference in our residents’ lives?’”.
Hanna implements performance
improvement projects to stay ahead of
curve. One recent project focused on
significantly reducing the number of hos-
pital readmissions from either home or
facility. “It’s working!” exclaims Hanna.
New CHapters Issue: 1 9

How to get your home in gear so you can age comfortably in place
By Erik J. Martin
While getting older is a fact of life, aging with
grace and dignity is a universal goal. Problem is,
your home probably lacks the universal design
features necessary to make that goal a reality.
From the front steps and the bathtub to the stair-
case and second-floor master bedroom, your
home simply may not be as senior-friendly as you
think.
That leaves you with two options: You can sell
your home and buy/move into a more accommo-
dating dwelling; or you can prep your existing res-
idence for your silver years ahead.
Considering the hassle and expense of listing
your home and moving, option #2 can be a
smarter choice, say the experts—and one that
can pay dividends even if you end up selling your
dwelling after all.
“Moving is expensive no matter where you live.
There’s the challenge of preparing your home for
sale, the actual cost of packing and moving, and
the expense of things that might need to be pur-
chased for a new home—like furniture and win-
10 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019
A Home
That Matures
as You Do
dow treatments,” says Janet Lorusso, interior
designer/owner of JRL Interiors in Acton,
Massachusetts. “Assuming your current home is
still an appropriate size, using the money you
might have spent moving on upgrades instead
allows you to stay put and have the benefit of a
safer, better space in a familiar neighborhood
with your known social network.”
Additionally, there’s a rising cost of long-term
care and assisted living facilities, notes Paula
Renaldo of The Keyes Company, a Miami-located
real estate firm.
“Fortunately, the new generation of older home-
owners are much more active than their parents
were. They often prefer to continue living in and own savings, you can make your existing home
taking advantage of the home they raised their work for you for many years to come. This cre-
family in,” Renaldo says. ates a stable housing situation for yourself and
Lea Oxenhandler Litvin, AIA, architect with LO your family,” Litvin says. “It’s actually a great
Design in Philadelphia, points out that many strategy for all ages and income levels. A series
homeowners today can take advantage of of upgrades can increase your home’s resale
increased rates of accrued equity to make an value and make it more appealing to a much
age-in-place plan successful. wider market of buyers if you plan to sell even
“By tapping into your home’s equity via a home before you would use these senior-focused ame-
equity loan or line of credit, or by investing your nities.”
 Bill Golden, associate broker with Atlanta-based
RE/MAX Metro Atlanta Cityside, says it’s best to
be proactive and future-proof your house now
versus later, if you have the means.
“The last thing you want is to be forced to have
to make upgrades after a medical or financial cri-
sis has occurred. An aging-in-place plan should
be well thought out well ahead of time,” says
Golden.
The top area that can most benefit from a
senior-friendly improvement is the bathroom,
most agree. A first-floor bathroom that replaces a
tub with a curbless walk-in shower is the ideal
choice.
“Curbless showers with built-in benches are now
very chic and in-demand,” Lorusso notes. “The
bathroom should also feature cabinetry with draw-
ers or roll-out shelves, which are easier to access
than standard lower cabinets, and grab bars,
which are now available in more styles and finish-
es than ever before, that match the rest of the
décor.”
If you want to postpone the grab bars for now,
“at least put blocking in the walls that will sup-
port future weight-bearing grab bars, such as
near the shower and toilet,” Lorusso adds.
Sam Cross, founder of Broad Street, a Chicago-
located senior home care services provider, says
other additions to the bathroom can make a big
difference, too.
“These include smooth, non-slip surfaces, hand-
held shower heads and sprayers, and a 911
switch,” says Cross.
Equally important is a main floor master bed-
room that eliminates the need to climb stairs.
“Sometimes there are other rooms on the main
level that aren’t needed much anymore, and a
bedroom can be created there. It doesn’t even
have to be a big master suite,” says Golden.
Converting a first-floor family room or den into a
bedroom is easily accomplished by adding a door
and closets, Lorusso adds.
Another recommended retrofit is relocating the
laundry room.
“On many older homes, the washer and dryer
are in the basement or on a different level than
the bedrooms,” Golden says. “This can become
difficult in later years, so many folks are finding
ways to convert a closet or some other area into
a more convenient laundry space.”
Smart home devices can be worthy invest-
ments, too.
“Features like voice- or smartphone-controlled
sound systems, thermostats and security mecha-
nisms can allow you to more easily control the
comfort and security of your home from any-
where in the house. And they are essential if
mobility is limited or restricted,” says Litvin.
Many experts cite gadgets like the Amazon Echo
smart speaker, Nest thermostat, Philips Hue
smart bulbs, and Ring video doorbell as worthy
high-tech candidates for your home.
While they can be pricey, a stair lift or elevator
could simply any staircase worries—although it’s
challenging to retrofit an elevator in an existing
residence.
“Adding a stair lift or an elevator, especially one
that can accommodate a wheelchair either within
your home’s existing footprint or via a small
three-wall bump-out addition, can be a wise
option,” says Jim Quinly, president of Raleigh,
North Carolina-headquartered AmeriGlide
Elevators and Lifts. “Widening doorways within
your house, should you need a scooter or wheel-
chair, and adding a zero-entry threshold and
porch lift can also make the ingress and egress
safer and more inviting.”
Whatever age-in-place home improvement you
make, realize that, while it may be necessary, it
may not pay you back at resale.
“Any investment that helps you won’t be a bad
investment. But some of the money you spend
may not come back to you when the home is
eventually sold,” Renaldo says.
© CTW Features

www.familyhealthcare.org

SEEING ORTHOPAEDIC PATIENTS IN CADILLAC.

We are a leader in the health care community and take pride in seeing
our patients reach their potential for an active lifestyle. You truly deserve
the best care and, thankfully, it’s right here in Cadillac.

QUALITY, AFFORDABLE HEALTH CARE

MEET YOUR Services Include: Cadillac: 520 Cobb Street, Cadillac
LOCAL SPECIALISTS
Medical I Dental I Lab (231) 775-6521
Behavioral Health McBain: 117 N. Roland, McBain
PAUL R.
BIZZIGOTTI MD
THOMAS V.
O’HAGAN MD, MED
TODD L.
GALDES DO
Pharmacy I Radiology (231) 825-2643
FOR APPOINTMENTS CALL: 231.935.0900 (TRAVERSE CITY) Most insurances accepted. All are welcome to apply for a discount.
231.779.0320 (CADILLAC)
Wednesday, April 24, 2019 | www.cadillacnews.com Cadillac News - New CHapters Issue: 1 11
 How to Choose an
Ear, Nose and Throat Specialist
It is important to pick a specialist who can do an outstanding job with the
diagnosis and treatments that are related to these specific areas of your body.
When you have a problem with your ear, nose or equipment requires special training or accredita- and family members are always good sources of
throat, it can range from annoying to downright tion, make sure that the specialist has received the information and can provide in-depth recommenda-
scary. proper training in the procedures. tions on who to use and who to stay away from.
Not only are all these areas of the body complex, You’ll want a doctor who offers a wide range of The nice aspect of speaking directly with people
connected and interrelated, but they can also make services, too. For example, some doctors also offer who you know and trust is that there is an under-
a big impact on how you live – controlling everything plastic surgery services that can make you look standing that the information you are receiving is
from your sense of smell and hearing, to your ability your best. With treatments like Botox, Juvederm, not biased. Whether it be dealing with a sinus prob-
to breathe clearly and feel balanced when walking. Restylane and other dermal fillers, you can look lem or a loss of hearing, finding the right specialist
That’s why it’s important to pick an ear, nose and younger and eliminate unsightly blemishes. is as easy as giving your best friend a call to see
throat specialist who can do an outstanding job Other services to consider include eye lifts and who they have used in the past for their ailments.
with the diagnosis and treatment of any ailments rhinoplasty to subtly refine the look of your face, the And, because you will usually see a general practi-
that are related to these specific areas of your body. ability to remove lesions from your skin, and high- tioner before being referred to a specialist, ask your
If you require surgery, it’s critical that you do tech laser treatments that can reduce spider veins doctor who they recommend and why. See what
research and due diligence to ensure that you use and rosacea. your doctor thinks makes for a good specialist,
the right doctor for your situation. You should find a As you can see, a good, wide-ranging practice can because their inside knowledge of the medical
specialist that you are comfortable with as well as do a lot more than fix your sinuses. industry could provide some valuable insight.
being able to do the job right. More than anything, you want to find a doctor that As surgery can impact the ears and the nose, you
Make sure the doctor you choose has plenty of has a high degree of experience with the problems want to make sure that the proper precautions are
years experience with diagnosing and remedying that you are facing. This is the best way to ensure taken to ensure you’re getting the very best care.
issues related to the ear, nose, and throat. that you are getting the high-quality healthcare that Take your time when looking for an ear, nose, and
It is also important that whatever doctor you you need in order to live a healthier, happier life. throat specialist, and you’ll be able to find the relief
choose uses the latest in technological advances to When searching for the right ear, nose, and throat that you need and a doctor you can trust.
get the job done right the first time. If the new specialist or surgeon, remember that your friends

Compassionate and Quality Care

Cadillac ENT and Facial Plastic Surgery specializes in the treatment of ear, nose, throat and head and neck disorders, facial
plastic surgery with a strong emphasis toward sinus disorders and skin cancer lesion removal. We have superior training and
experience in treating both adult and pediatric ENT conditions.
Nose/Nasal/siNus disorders throat disorders aNd head aNd Neck disorders Facial Plastic surgery/skiN
aNd treatmeNt treatmeNt aNd treatmeNt caNcer aNd treatmeNt

• Sinus, chronic and recurrent • Tonsil and adenoid surgery • Salivary gland surgery • Lesion removal for skin cancer with
sinusitis • Snoring, sleep apnea surgery • Neck masses or without reconstruction: basal,
• Chronic nasal obstruction: (UPPP, palate advancement, tongue • Thyroglossal duct cyst squamous cell, melanoma
septoplasty, functional rhinoplasty, base treatment, radio frequency • Lymph node excision • Reconstruction following MOHS
turbinate surgery treatment of the palate and tongue) • Tracheostomy procedures
• Balloon sinuplasty and FESS • Thyroid surgery • Mid face and nasal fracture
• Allergies • Vocal cord and voice disorders: • Blephoraplasty
• Treatment for nasal trauma Hoarseness • Cosmetic rhinoplasty/septoplasty
• Nasal polyps • Swallowing disorders • Otoplasty
• Epistaxis (nosebleeds)

Board Certified in Otolaryngoloy

Robert Kendell, D.O. F.A.C.S.
Head and Neck Surgeons:
Robert Kendell,
Lisa Jacobson, For an appointment with Dr. Robert Kendell, D.O., F.A.C.S. or
Dr. Lisa Jacobson, D.O. please call (231) 779-6260
8872 Professional Dr., Suite A, Cadillac
Lisa Jacobson, D.O.

12 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019
 Going gray with style
Gray hair is a natural side effect of aging. The rate at which hair will
Think ReStore First!
turn to gray differs based on genetics and other factors. Some people Submitted By time and funds for our mission: to
may go gray seemingly overnight, while others may gray at the temples Wexford Habitat ReStore build decent affordable homes for low
first before the rest of their hair gradually changes color. income families.
Aging women often wonder if they should cover up their gray hair or Fourteen years ago Wexford Habitat Make Wexford Habitat ReStore your
embrace the silver. Going gray is no longer something that has women opened its ReStore. Today the first stop for:
running to their stylists at the sight of the first gray strand. Some actu- Wexford Habitat ReStore is recog-
• building supplies
ally opt for silver even before their own gray sets in. According to a nized as one of the finest, well orga-
2017 survey of hair trends by L’Oréal Professional, 28 percent of nized ReStores in the state of • hardware
women embraced or considered opting for silver hair. The trend has Michigan. What does having a ReStore • furniture
continued to gain steam. Celebrities like Jamie Lee Curtis and Helen mean to our community? Many things;
Mirren were some of the first to embrace their grays. Younger celebri- the money raised helps build homes • electronics
ties like Kendall Jenner, Pink and Lady Gaga have opted for silver for low income families, it recycles • appliances
tresses to make a statement. used items keeping them out of our
But there are still many women who prefer to transition gradually or landfills, and the merchandise sold is • plumbing and heating materials
avoid the harsh chemicals in some hair products. The National Cancer at a fraction of the cost of buying new. • doors and windows
Institute states that more than 5,000 different chemicals are used in Everyone wins by shopping at the • household items
hair dye products, some of which are reported to be carcinogenic in ReStore!
animals. There are many natural ingredients that can add tint to hair Through generous donations the Our ReStore staff and volunteers are
to make gray less visible. Coffee, for example, can cover grays and add ReStore was able to purchase a new dedicated to our mission and to serv-
dimension to dark tresses. Chamomile tea is recommended for blonds truck in 2012 which has allowed us to ing our customers. Call us at 231-775-
to add natural highlights and perhaps camouflage their grays. increase our inventory thus increasing 8661 to schedule a pickup or stop by
Calendula, marigold, rosehips, and hibiscus can deepen red shades or our sales. Early in 2014 the ReStore and shop our store located at 7545 E.
add some subtle red highlights. Henna also is a popular natural meth- began closing for business on 34 Rd. (Boon Rd.) in Cadillac.
od to add a red-orange color to hair. Creating highlights to offset gray Mondays which has enabled us to bet-
hair can work as well. Spraying lemon juice on hair and sitting in the ter serve our customers and commu- Business hours are:
sun can produce lightening effects. nity in opportunities to pursue pro- 10 am to 5 pm – Tuesday thru Friday
Many women are seeking natural options to look their best. curements, ease in staffing, and 10 am to 4 pm – Saturday
Embracing grays or creating subtle tints with natural ingredients can reducing operating costs. The savings Closed on Sunday and Monday
help women feel confident and beautiful. in time and expenses allows more

Think Restore First!

Everyone BENEFITS and WINS from shopping and donating
to the Wexford Habitat for Humanity ReStore!
• 35 homes completed since 1987.
• Currently working on home 36.
• Habitat HomEoWNERS pay home mortgages,
pay property taxes and are productive citizens
in our community.

231-775-7561 231-775-8661
7545 E. 34 Rd., Cadillac • www.WexfordHabitat.org
Helping to eliminate poverty housing & homelessness
by constructing & building adequate basic housing.

Wednesday, April 24, 2019 | www.cadillacnews.com Cadillac News - New CHapters Issue: 1 13
 Masters of the Universal
Universal design offers benefits to people of all ages and abilities
By Nancy Mattia
Imagine a world where people with
different physical abilities could use
the same shower stall or kitchen
faucet without compromising their
safety or dignity. That’s the general
idea behind universal design, a
user-friendly approach that helps
people make their homes more wel-
coming and accessible to all.
How Universal Design Works
The concept promotes common-
sense designs that are stylish yet
safe and easy for everyone to use,
despite an individual’s age, size or
physical limitations.
“Universal design takes into
account a broad range of users and
abilities,” says Sarah Barnard, a Los
Angeles interior designer. “It makes
sense for designers and builders to
plan our projects with that in mind
since great design should accommo-
date the widest number of users —
ourselves, our kids, our parents, our
grandparents.”
For older folks, a well-thought-out
plan lets them age in place, which
means continuing to live safely and
independently in their own homes for
as long as possible.
The ideas are meant to work for
young and old alike. For example, a
home built with a ramp instead of
stairs to access a back door would
benefit not just an elderly person in
a wheelchair but also someone
pushing a stroller. A hand-held
showerhead on a slide bar that’s
mounted low on a bathroom wall
would be easy to reach for every
family member, regardless of their
height or flexibility.

ReTiRing oR Downsizing
See Us
for Quality
by Manufactured Housing Enterprises, Inc. Vision Care
Get in the Clear
One stop for all of your
eye care needs!
We offer a full range
With Trusted Vision Care
of comprehensive eye
care services, including:
We• • Professional
offer a eye fullcarerange
Diabetic eye exams
for all ages

705 Partridge Drive of • comprehensive

Consultation & co-management eye
of cataract and refractive surgeries
care services, including:
$65,500 1,173 Square Feet •
• Medicare
accepted
Professional
and many insurance
Eye Care for all ages
plans

Advanced Optometry •
• Low vision exams and visual aides
Diabetic
• New patientsExams
Eye always welcome
399 Thistlewood Drs. Myers, McDonald & Johnston • Consultation & Co- management
Cadillac • 231-775-7210
(231) 775-7341
Advanced Optometry
of Cataract and Refractive
Surgeries
Drs. McDonald & Johnston
Hours: M-F 8-5 120 Paluster Street • Cadillac
• Medicare and Many Insurance
231-775-7341 • (800) 320-EYES
Weekends by appointment (800) 320-EYES Plans 120
Accepted
Paluster Street • Cadillac
www.AdvancedOptometry.com www.AdvancedOptometry.com
Call for more information on these homes and • Low vision Exams and visual Aides
Evening and Saturday Evening and SaturdayAlways
• New Patients Welcome
Appointments Available
the many other services that we have to offer. appointments available.
14 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019
 The Design’s Visual Appeal More Than Just Products
The concept is discreet and shouldn’t look like Universal design is also about making smart renova-
a nursing home. Goods from faucets to furniture tion choices, like widening doorways because the
are created with a contemporary aesthetic and wider they are, the better it is for wheelchairs and
fit in seamlessly with a room’s décor, so you’d walkers to come through.
never know universal design principles were at It’s about choosing consistent flooring surfaces so
work. when someone walks from, say, a tile floor in the
“More and more plumbing manufacturers are kitchen to the hardwood floor in the dining room, they
offering grab bars and shower rails in finishes don’t trip where the two materials meet.
like oil-rubbed bronze and polished nickel that It’s about picking safe bathroom floor tile: “Anytime
match the fixtures already in the bathroom,” the size of the tile is bigger than the size of your foot,
Barnard says. “The look is beautiful and inte- it’s pretty much a slip hazard when you step out of the
grated. shower,” Barnard says.
Some innovations: She suggests choosing small tiles, since those
zz Curbless showers, which let the user walk require more grout, which creates more traction.
into the shower without having to step over a
threshold Why Some People
zz Wall-mounted toilets and vanities that can be Are Reluctant to Adapt
adjusted for height Despite its obvious benefits, universal design can
zz Grab bars in the shower/tub to steady your- still be a hard sell.
self on wet surfaces “No one wants to think about a less-than-ideal
zz Single-level, touchless kitchen faucets that future, when they may need help getting around and
require a simple tap to turn on and off living in their home,” Barnard says.
zz Induction cooktops and ranges with burners So rather than plan for tomorrow, she asks reluctant
that are cool to the touch and easy-to-reach clients to plan for today: “What would happen if one of
controls on the front your kids gets a sports injury and can’t make it up the
zz Keyless door locks that operate using a touch stairs to the bedroom or bathroom?” she asks them.
pad instead of a standard key Most people eventually see the light.
zz Door knobs with a lever design that’s easy to “If the home is multistory, they’ll make at least the
turn first floor accessible, so If and when it becomes nec-
zz Light switches with large flat panels instead essary, things are already in place.”
of small toggle switches that are difficult for
arthritic hands © CTW Features

Don’t Let
Two-Minute Hearing Quiz
This two-minute quiz can help determine whether or
not you may have hearing loss. Please take this
Sunnyside Assisted Living’s Personal Assistance
Hearing Loss
simple quiz. Lets get started!
• 1 of 7
Do you have difficulty understanding speech
Programs are tailored to enhance the quality
Keep You From
in a group of people?
❍ Yes ❍ No of life & physical well-being of our residents.
• 2 of 7

Enjoying Life
Do you often ask people to repeat what they
said?
❍ Yes ❍ No We Offer:
to the Fullest
• 3 of 7
Do you hear people speaking, but have • Assistance with
difficulty understanding the words?
❍ Yes ❍ No
personal care
• 4 of 7
Do others ever raise their voice or move • Medication assistance
closer to help you hear them?
❍ Yes ❍ No • Professionally
• 5 of 7
Do you have to turn the television up louder trained staff
than others to hear clearly?
❍ Yes ❍ No • Onsite 24 hours
• 6 of 7
Do you have trouble understanding
conversations in the car or on the telephone?
• Wireless Call System
❍ Yes ❍ No • Variety of life enrichment
• 7 of 7
Do you have difficulty hearing at movies or Ruth Keyhoop (L) & Helen Rees (R) activities and events
religious services?
30 YEARS ❍ Yes ❍ No with Director Jackie Kibbe • Independent care plans
If you answered yes to any of the above questions
= TRUST! call for a FREE Hearing Screening today!!

0% Interest! JUST 1/2 DOWN & LOW Monthly Payments WITH NO INTEREST! Call today for a tour or more information
Long’s Hearing Care Systems 231-775-7750
www.longshearing.com
Satisfaction
CADILLAC LOCATION • CALL TOLL FREE 1-800-286-1378 An Assisted Living Community
Guaranteed
1027 N. Mitchell St. • 231-779-0400 108 Wildwood Drive (just off Sunnyside Drive)
We accept most insurance plans. Payment plans also available. A program of Baruch Senior Ministries, a non-profit organization

Wednesday, April 24, 2019 | www.cadillacnews.com Cadillac News - New CHapters Issue: 1 15
 Two Common Disoders
you shouldn’t have to deal with on your own
Submitted By
Cadillac Urology
Two common disorders that strike both men and
women are treatable and not a normal part of the
aging process: Incontinence and BPH (Benign
Prostatic Hyperplasia) are treated at Cadillac
Urology.
Imagine fewer trips to the bathroom, fewer acci-
dents and resuming the relationships and activi-
ties you love. Bladder control problems, including
overactive bladder (OAB) and non-obstructive uri-
nary retention, are treatable conditions that dis-
rupt the lives of tens of millions of people. They’re
not a normal part of aging. And you shouldn’t have
to deal with them on your own.
Many struggle to find long-term relief or don’t
recognize that there are effective options for over-
active bladder (OAB) beyond behavior modification
and oral medications. Cadillac Urology offers an
effective long-term option called the Medtronic
InterStimTM system, which has been proven to
restore bladder function and improve quality of life
for up to five years. We hope the knowledge that
long-term relief is possible will help encourage
those dealing bothersome OAB symptoms to seek
help.
What is BPH? Benign Prostatic Hyperplasia, or
BPH, is a condition in which the prostate enlarges
as men get older. BPH is a very common condition
that affects over 40 million Americans and over
500 million aging men worldwide. Over 40% of
men in there 50s and over 70% of men in there
60s have BPH. While BPH is a benign condition
and unrelated to prostate cancer, it can greatly
affect a man’s quality of life.
As the prostate enlarges, it presses on and
blocks the urethra, causing bothersome urinary
symptoms such as:
• Frequent need to urinate both day and night
• Weak or slow urinary stream
• A sense that you cannot completely empty your
bladder
• Difficulty or delay in starting urination
• Urgent feeling of needing to urinate
• A urinary stream that stops and starts
If you suffer from the above symptoms, you are
not alone. BPH is the leading reason men visit an
urologist.
Combining over 40 years of skill and knowledge,
Dr. Brian Drabik and Dr. Lynne McCormick are both
board certified and fellows of the American College
of Osteopathic Surgeons. Cadillac Urology services
all of Northern Michigan for all your urological needs.

Retirees Should Plan Before Renting

Selling the family home for the cash
can backfire in the long run
By Marilyn Kennedy Melia
Here’s how the American “dream”
has traditionally worked: Rent as a
young adult, while saving for a down
payment; buy a home and maybe buy
again a couple of times; leave when
advanced age means you require care
or can’t maintain your home.
Now, though, a significant number
of households age 55 and over are
short-circuiting that process and
selling early, and opting to rent.
According to the Harvard Joint
Center for Housing Studies (JCHS)
there are some 1.9 million more
households 55 and over renting now
than in 2006. Part of the increase is
due to the greater numbers of the
Baby Boom generation, as well as
owners who lost their home to fore-
closure during the recession.
But, there’s a burgeoning group of
55 -plus homeowners who would
rather rent, notes Richard Fry of the
Pew Research Center.
For some, the draw has been the
many newly built apartment com-
plexes catering to the 55-plus demo-
graphic, adds James Chaknis,
spokesperson for JCHS.
“A lot of people talk about (selling
and then renting),” adds New York
City financial planner David
Schneider. “They may have a lot of
equity but not a tremendous amount
of retirement savings.”
But using equity — which is the
amount of a home’s value that is not
mortgaged — early in retirement can
be risky, especially for those in their
late fifties or sixties, Schneider notes.
Funds must be invested conserva- It’s a complex calculation, and one renting a room AirBnB-style or taking
tively to avoid potential losses. At on which would-be retiree renters in a roommate are increasingly pop-
the same time, Schneider says, very should consult with financial ular options for house-rich retirees.
conservative investments might not experts, he says. “It may be more
© CTW Features
provide the cash flow needed to pay [economical] to stay in your house,”
rent and other expenses. Schneider concludes, noting that

16 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019
 Gentlemen... Getting Up
At Night To Go
NEW PROCEDURE To The Bathroom?

Live Life Uninterrupted with Having Sudden

Urges To Go?
COMMUNICATION IS CRITICAL
Evidence suggests that breakdowns in the bladder-brain communication pathway
are the root cause of OAB and non-obstructive urinary retention. While other
therapies focus on the bladder muscles, Medtronic therapies target the nerves,
which is thought to help restore normal bladder function.

Redefining Treatment
For Enlarged Prostate.
New minimally invasive treatment MEDTRONIC BLADDER CONTROL THERAPY
DELIVERED BY THE INTERSTIM SYSTEM
designed to treat lower urinary The relief you’ve been waiting for:
tract symptoms (LUTS) due to • Targets the nerves that control your bladder to help it function normally again
• 85 percent of people using it achieved success in the first year
benign prostatic hyperplasia (BPH). • 3X greater improvements in quality of life compared to medications
Pre-Procedure • Only therapy that lets you see if it works before you and your doctor decide
• More than 225,000 patients have received relief as a safe, FDA-approved and
• No Cutting, Heating or minimally invasive Bladder or Bowel Control Therapy
Removal of Prostate Tissue Implanting an InterStim™ system has risks similar to any surgical procedure,
including swelling, bruising, bleeding, and infection. Talk with your doctor about
• No More Meds ways to minimize these risks.

• Minimal Side Effects

• Resume Normal Daily Activities Post-Procedure

Cadillac Urology Practice

Cadillac Urology Practice
Dr. Brian R. Drabik
D.O., FACOS
Urology Cadillac
Practice Urology
Cadillac Urology Practice
Practice Dr. Lynn McCormick
D.O., FACOS
•
231.779.2565
231.779.2565 MOST

231.779.2565
INSURANCES

231.779.2565
www.CadillacUrology.com
www.CadillacUrology.com
www.CadillacUrology.com
1011 Sunnyside Drive, Cadillac, Michigan 49601
1011 Sunnyside Drive | Cadillac, Michigan 49601
www.CadillacUrology.com
ACCEPTED
•
1011 Sunnyside Drive | Cadillac, Michigan 49601
1011 Sunnyside Drive | Cadillac, Michigan 49601
Wednesday, April 24, 2019 | www.cadillacnews.com Cadillac News - New CHapters Issue: 1 17
 Play to Win the
Retirement Game
7 steps to manager at Plancorp, LLC, in St. Louis, Missouri.
“Anyone that is turning away from stocks in favor
adds. There are many options for a child’s education
– student loans, going to a less expensive state

retire comfortably of start-up investments and crowdfunding is tak-

By Jeff Schnaufer
Starting early is truly the key for building a
secure retirement, says Robert R. Johnson, former
president and CEO of the American College of
Financial Services in Bryn Mawr, Pennsylvania and
the co-author of “Investment Banking for
Dummies” (Wiley, 2014).
Another powerful tool is time, says Peter
Lazaroff, co-chief investment officer and wealth
ing on significantly more risk than a traditional
stock and bond portfolio,” Lazaroff says. “Time is
the most powerful tool in finance, and leveraging
the compound returns of a traditional stock and
bond portfolio is the surest way towards financial
success. It’s not particularly sexy, but good invest-
ments usually aren’t. Good investing is about hit-
ting singles and taking walks. People who try to hit
home runs will strike out more often than not.”
And while many people put saving for retirement
last on the list of priorities because it is so far off in
the future, it should be first on the list, Johnson
school, etc. Once someone hits retirement and
hasn’t saved enough, the options are unattractive –
work longer and/or scale back on your lifestyle.”
Even when there are employer-sponsored opportu-
nities to save for retirement, many people do not
take them, says Keith Baker, a mortgage banking
professor at North Lake College in Irving, Texas.
Given the importance of time, prioritizing and the
power of compound interest, just how should a
person in her 30s or 40s save for and invest their
money to have $1 million awaiting them for retire-
ment? Johnson, Lazaroff and Baker provide seven
tips for that seven-figure investment plan below:

Select Your Family

Monument Together
Make an appropriate decision while you are unhurried
and unburdened. Our tradition of service in this
community is your assurance of complete satisfaction.

BENDLE-LANG We are a 26 bed facility with both private and

Creating Beautiful Memorials For Over A Century
Over 100 Monuments & Markers On Display
323 S. Mitchell St. • Cadillac, MI
• (231) 775-2231 or 1-800-775-2231
www.bendlelang.com
Mon.-Fri. 9:30 AM-5:00 PM • Sat. & Evenings by Appointment
Since 1893
semiprivate rooms located just minutes from Lake
City. We provide either long term care or respite
care. Daily activities are planned along with spiritual
services. Providing personalized 24 hour awake care
for your loved one since 2009.
2575 W Houghton Lake Rd, Lake City, MI 49651 • (231) 839-1011

18 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019
 1. Seek Professional Help
“Crafting and carrying out a retirement income
plan is difficult,” Johnson says. “People should
establish a relationship with a financial advisor to
help guide them through the complex retirement
landscape.” Johnson suggests seeking trusted
advisors holding a well-respected financial cre-
dential such as the Chartered Financial
Consultant (ChFC), Certified Financial Professional
(CFP) or Retirement Income Certified Professional
(RICP) designations. Lazaroff suggests that peo-
ple only work with a financial advisor that is a
fiduciary and regulated by the SEC: “If they aren’t
regulated by the SEC, then the advice they provide
is held to weaker standard that allows them to
sell products that may not truly be in your best
interest.”
2. Build a Budget
“Start by keeping a log of what your cash out-
flows are in detail for 2 months,” Baker says.
“Have a goal of reducing less than necessary
spending to save an additional $400 per month.
At a 7 percent return this would create $516 627
by age 65 if you started at age 30 or $1,030,589
if you had an employer that would match your
$400 per month.”
3. Save That Raise
A recent Mercer study has shown that the
average raise over the past 5 years has been
around 2.8 percent, Baker says. This would
Complete eye care, close to home.
1775 S. Mitchell St., Cadillac
(800) 974-2020
RiemerEyeCenter.com
Wednesday, April 24, 2019 | www.cadillacnews.com Cadillac News -
translate into an additional $150 per month in
savings if you put it into an IRA or as an addi-
tional contribution to a 401(k) plan. Take $150
of each subsequent raise and add it to the orig-
inal $150. This compounded over a 25 year
period from age 40 to 65 at a 7 percent return
would be $1,096,462 starting off saving
$1,800 in year 1 and $45,000 in year 25.
4. How Much Does Home Cost?
Many individuals have not moved into the
most cost-effective housing. Says Baker: “I am
not advocating for the ‘Tiny House Nation’, but
smaller energy efficient housing closer to work
can allow additional funding for retirement. Just
because you can qualify for a mortgage when
your housing to income ratio is 28 percent and
you make $100,000, it doesn’t follow that you
should be spending $28,000 a year on you
home payments. If you could reduce your hous-
ing cost by $11,000 a year at age 35 and save
the difference in an IRA or 401(k) at 7 percent, 6. Take the Good and Bad Markets
you would have $1,078,063 by age 65.”
“Time and compound interest will reward you for
your patience,” Lazaroff says.
5. Stay Strong
Don’t be conservative when setting your asset 7. Optimize Tax-Deferred Accounts
allocation, Johnson suggests: “Time is your great- “The only thing better than compound interest is
est ally when you are attempting to accumulate compound interest without taxes,” Lazaroff says.
wealth. Over the long run, stocks have beaten “Taxes shrink your return, so try to contribute the
bonds in performance over every 20 and 30-year maximum allowable amount to company retire-
period in U.S. history. While that isn’t guaranteed ment plans and IRAs.
to happen in all time periods in the future, the
odds are overwhelmingly in your favor.” © CTW Features
Reach Your Potential with RENEW
We’re RENEWing the lives of seniors at
Whispering Pines, through our new
program focusing on:
• Rehabilitation • Enrichment
• Education • Wellness
• Nutrition
Call (231) 878-7761
to schedule a tour!
2353 S. LaChance Road
Lake City, MI 49651
www.WhisperingPinesLC.com
New CHapters Issue: 1 19
 The Goal-Setting
Guide to Getting the
Retirement
You Want
What do you want your life to look like when work is out of the way? Here’s how
to plan for the life you want and how to ensure you have the means to live it
By Barry Waldman
There is a scene in Lewis Carroll’s “Alice
in Wonderland” that applies to retirement
planning. It begins with Alice, arriving in
Wonderland, seeking directions from the
Cheshire Cat.
“Would you tell me, please, which way I
ought to go from here?”
“That depends a good deal on where you
want to get to,” said the Cat.
“I don’t much care where–” said Alice.
“Then it doesn’t matter which way you
go,” said the Cat.
“— so long as I get SOMEWHERE,” Alice
added as an explanation.
“Oh, you’re sure to do that,” said the Cat,
“if you only walk long enough.”
If you were to walk through the door of
almost any financial planning professional,
the first thing they would do is begin ask-
ing questions. And one of the first would
be, what are your goals in retirement? In
other words, where are you trying to “get
to.”
Do you want to move to the beach and
enjoy your mornings sipping coffee and
watching the sun rise over the water? Do
you want to play golf every day and spend
time with the grandkids? Or maybe you’re
looking to travel the world.
Your goals will determine your retirement
plan. The reverse is true too: how you plan
for retirement goes a long way towards

Turning 65? We specialize The

The results
results you want.
in Medicare Supplements The
The care
care you
you deserve.
Lori Williams
Medicare Sales Specialist
Available by appointment

Senior Living
Living of
of Cadillac
Cadillac
In-PatientRehabilitation
In-Patient Rehabilitation || Secured
Secured Memory Care
Care || Skilled
SkilledLong
LongTerm
TermNursing
Nursing
Formerly The
Formerly The Lakeview | 460
460 Pearl
Pearl Street
Street
(877) 822-7096 | lwilli1@michfb.com | MFBHealth.com Call (231)
Call (231) 775-0101
775-0101 to schedule
schedule aa tour
tour

20 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019
 determining what goals are realistic. Your
dream to build an oceanfront estate in Bora
Bora and jet to the States for Thanksgiving
and Christmas might require some downsiz-
ing if you haven’t maxed out your 401k.
Only once you’ve determined where you’re
attempting to go, can you determine what
road will get you there. Experts say that con-
tinuing your current lifestyle will require
roughly 80 percent of your current income.
That is a good rule of thumb, says Bob
Liggero, owner of Financial Prescriptions in
Jacksonville, FL, but you may not be a thumb.
“When people first retire they’re in the go-go
years. When they’re 70-75 they’re in the slow-
go years. And then after 80 they’re in the
no-go years,” he said. “If you start off need-
ing 80 percent you may end up at 50 percent.”
Liggero advises his clients to consider that
Medicare will not pay for all health needs, and
doesn’t cover long term care at all. The average
retired person will spend about $200,000 on
health care during their years of retirement, or
roughly $10,000-a-year. That, the crippling cost
of long term care, and the likelihood that taxes
will have to rise as the national debt balloons,
have to be accounted for.
Like most financial planners, Liggero employs a
worksheet that helps clients evaluate what is
most important to them. Based on the priorities
clients identify, and the assets they have, he can
advise them how many of their goals are realis-
tic. He might advise them to work longer, save
more or trim their expectations if their savings
and desires don’t match.
For younger people, retirement goals may be
vague. Palmer Stokes, a development manager
for New York Life Insurance Company in
Charleston, SC., says most people under about
45 are not saving for specific goals, but for an
idea – of financial security and freedom in retire-
ment. It’s critical for people in that situation to
ignore current conditions and just keep saving.
“The Recession turned 401Ks into 201Ks,” he
quipped. But for those who stuck with a savings
plan, their portfolios have bounced back, and
then some.
Generally speaking, if you’re years away from
retirement, you want to be heavily invested in the
stock market and rooting for stocks values to fall,
says Liggero, so that you’re buying low. As you
get closer, you switch from offense to
defense, striking more of a balance with
bonds and cash, so you’re not redeeming
devalued assets. His analogy: “Don’t fumble
the football in the end zone.”
Financial planners all have stories of clients
whose dreams outpaced their means. Stokes
had one 32-year-old client with a young family
who was planning to open his own business
and retire at 50. He had no savings and
would have to invest heavily in equipment
while enduring a haircut in his income for a
couple of years. Stokes had to deliver the bad
news that the client’s goals weren’t realistic.
“That was not a very comfortable conversa-
tion,” he remembers.
But the client listened, and drew up a budget at
Stokes’s suggestion. It made clear the need to
push back his projected retirement date and
save some cash before starting.
There are dozens of considerations in retire-
ment planning; e.g., the state of Social Security,
tax rates, income streams, investment vehicles
and more. But financial planners agree on the
basics: start early, save continually and build
aggressively when you’re young, then determine
your goals, adjust your tactics and plan for the
unknown as retirement approaches.
Above all, says Liggero, get to it. “If you fail to
plan, you’ve planned to fail.”
© CTW Features

Enjoy The Outdoors All Year Long… McBain Family Pharmacy

Know Your Medicine Know Your Pharmacist!
• Engineered aluminum framing • Vinyl fill panels • Insulated module wall system • Local Delivery Service
• Viny insulate double pane windows - can be upgrade to Low-E glass • Fast & Friendly
• Wall modules available in 3 ft. , 4 ft. & 5 ft. sections • Blister Packaging
• All Major Insurance
Carriers Accepted
Dr. Clayton & Dr. Lacey Gilde,
PharmD Pharmacists/Owners
119 N. Roland St., McBain
231-825-8175
Hours: M-F 8:30-5:30

LC Family Pharmacy
Know Your Medicine Know Your Pharmacist!
• Fast and Friendly Service
• Free Delivery for Med Sync Patients
• Zero Dollar Copay Testing Supplies
(some restrictions apply, contact pharmacy for details)
“Your Full Service Glass Shop”

DouGLASS
• Personalized and Convenient
Compliance Packaging Options

800-922-GLAS • 231-779-3960
57 N. Morey St., Lake City, MI
231-559-0005
Located next to Arby’s • Cadillac Hours: M-F 8:30-5:30

Wednesday, April 24, 2019 | www.cadillacnews.com Cadillac News - New CHapters Issue: 1 21
 Fun by Numbers - Sudoku

Answers: Advanced Answers: Intermediate Answers: Beginner Like puzzles? Then you’ll love sudoku. This mind-bending puzzle will have you
hooked from the moment you square off, so sharpen your pencil and put your
sudoku savvy to the test!

Your #1 fan Here’s How It Works:

Sudoku puzzles are formatted as a 9x9 grid, broken down into nine 3x3 boxes.
To solve a sudoku, the numbers 1 through 9 must fill each row, column and
box. Each number can appear only once in each row, column and box. You can
figure out the order in which the numbers will appear by using the numeric clues
Your local independent already provided in the boxes. The more numbers you name, the easier it gets to
agent is your neighbor solve the puzzle!

– someone you can

trust and someone
Protecting
who’s here for you what’s
when it matters most! important
When you purchase a
life insurance policy from 117 North Mitchell Street, Suite 3
Auto-Owners Life Insurance Cadillac, Michigan 49601
Company, you can know Phone: 231.846.3606
you’re protecting the ones www.myelderlawplanning.com
you love with a company
you can trust. OUR SERVICES INCLUDE:
THE BEST LOCAL • Estate Planning
INSURANCE AGENCY • Guardianships Conservatorships
• Probate and Trust Administration
CITY • 000-000-0000
www.bestinsuranceagency.com
113 N. Roland St., McBain, MI 49657 • Long-term Care Planning
Phone 231-825-2411 • 1-877-251-0727 Fax 231-825-2228
Jordan Balkema Elder Law Center
BEST LOCAL Cadillac | Big Rapids | Gaylord | Traverse City
ANCE AGENCY Serving Northern Michigan for Over 30 Years.
• 000-000-0000
22 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019
 Crossword
CLUES ACROSS 14. In an expectant manner
1. Guitarists use them 15. More curving
5. Makes less intense 20. Plural of thou
11. Julia Louis-Dreyfus series 21. Son with the same name
12. Once in a while 22. Not one
16. Up to the time of 23. The woman
17. A moon of Jupiter 27. Uncouth man
18. “Riddley Walker” writer 29. Laugh
19. Basketball’s “Grandmama” 30. Sustained viral response (abbr.)
24. Gallium 31. Between northeast and east
25. Stocky sea duck 32. In the matter of
26. Expressions of delight 33. A tree that bears acorns
27. Albanian monetary unit 34. Supervised
28. Some are electric 35. Not quite a full earner
29. Refine 36. Unpleasant substance
30. Clusters 37. Some are fake
31. Get rid of 38. Hammer is a famous one
33. Female body part 40. Type of cup
34. Passerine bird 41. Poisonous Eurasian plant
38. One who is killed for their 42. An alternative
religion 44. Belongs to he
39. Green (Spanish) 45. Bond actor’s real name
40. Partner to awe 46. Ring-shaped objects
43. Flightless, running Aussie birds 47. One who reads in a church
44. One who breaks up the ground service
45. Sacred language of some Hindu 48. Conceive
texts 50. One educated in Japan
49. Get free of 60. Miserable in appearance 51. Rural delivery
50. Furnace of burning 63. Coagulated blood 4. Popular rec activities 52. Robot smarts (abbr.)
51. Sent in large quantities 64. Boil at low temperature 5. Owl genus 54. Women
53. Type of medical patent (abbr.) 65. Republic of Ireland 6. Cries 55. German river
54. Failure to follow the rules 7. Morning 57. Delaware
56. Egyptian unit of capacity CLUES DOWN 8. Pass catcher 61. Automaker
58. A public promotion of some 1. Pull or tear away 9. Spirit of an era 62. Mystic syllable
product or service 2. Dennis is one 10. Suffix
59. Strongly scented subshrub 3. Gas 13. Megabyte

Word Search - JAZZ MUSIC

BACK-BEAT HARMONY
BALLAD HORN
BAND IMPROVISE
BARS INTERLUDE
BASS JAZZ
BEBOP LICK
BLOW MAINSTREAM
BLUES RHYTHM
BOOGIE SECTION
BRIDGE SYNCOPATION
CHANGES VOICE
DIATONIC
DOUBLE TIME
FUSION
GROOVE

Wednesday, April 24, 2019 | www.cadillacnews.com Cadillac News - New CHapters Issue: 1 23
 Your Choice
for Primary Care
Munson Healthcare Cadillac Hospital offers comprehensive, coordinated care in a patient
centered medical home environment in both Cadillac and McBain.
Our primary care providers are accepting new patients, and offer scheduled, same-day,
and Saturday morning appointments to allow you to access care when it is convenient.

Steven Brennan, DO Douglas Cox, MD Lori Crago, MD James Diener, DO Kylee Gatzke, FNP

Heather Nolan, FNP Jennifer Piwowarski, MD Robert Stankewitz, MD Marla Vance, MD

New patients welcome. To schedule an appointment, call 231-876-6200.

For more information visit munsonhealthcare.org/cadillac-primary-care.

7985 Mackinaw Trail, Cadillac, MI 49601

24 New CHapters Issue: 1 - Cadillac News www.cadillacnews.com | Wednesday, April 24, 2019