Sunday, September 13, 2026

TRAVEL/ ENTERTAINMENT: Discovering Mazatlan , Mexico

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Photography and Text by Terry “Travels with Terry” Zinn  [email protected]

“Travel is the truest form of education,” – Shirley MacLaine
For years I had heard of Mazatlan, Mexico, and yet not knowing much about it, I decided it was time I was educated by traveling there.
Mazatlan is a West Coast Mexican resort town, which was never planned as a resort town. It has all the qualities needed for such: a developed 13 mile Malecon, or promenade, (http://www.discoverymexico.com/mazatlan/guides/mazatlan-malecon/) along a picturesque ocean front bay, mid to upscale resorts and many dining opportunities.
My Oasis was the Pueblo Bonita Mazatlan –
(www.pueblobonito-mazatlan.com/) an all-inclusive hotel on bustling, Camaron Sabalo avenue, where the traffic competed for audio pleasure in my room with the relaxing swoosh of the surf. I would have changed my room location away from the traffic, but the view of the bay and pools were too outstanding. An all-inclusive hotel option can be your ticket to ease, but sometimes it’s popularity causes delays in seating where no reservations are taken. The popular Bonita hotel chain has a newer property slightly up north on Emerald Bay, which needs exploring. I see in the hotel newsletter there are shuttles up and back, but my stay was far too short and my itinerary was pleasantly filled with other delights.
My stay included an itinerary of many fine eateries in a variety of atmospheres but all with attentive service and with a specialty of Mazatlan fresh sea food.
Costa Marinera Restaurant –
(https://www.zonaturistica.com/restaurante/251/la-costa-marinera-mazatlan.html ), is right around the corner from my stay at the Pueblo Bonita Mazatlan hotel, and has an open air dining option overlooking the bay, with wandering musicians (singer Ernesto Sudea was a favorite) and attentive service. As with many Mazatlan restaurants they offered a variety of breaded shrimp, on a seafood platter of Lobster, Tuna, Octopus, Mahi Mahi and my favorite at all the eateries, fresh Guacamole. I was introduced to Toni Col (emobtell adori) a non-carbonated vanilla coke concoction with a distant taste of Coca Cola.
A breakfast treat at the Shrimp Bucket Restaurant – (wwwgomazatlan.com/en/restaurants/el-shrimp-bucket) was a sugar cookie type offered at the table among assorted pastries. Again outdoor eating, despite the passing traffic was enjoyable, with views of old town architecture and the picturesque dear stature. Mazatlan, I am told, means Land of the Deer. One of the off shore islands is named Deer Island. You can enjoy a slow boat ride around the bay and a stop off at Deer Island, where a casual lunch and open bar, might tempt you away from the banana boat and kayaking activities. With sand between your toes under the shade of a palapa, a cool drink in hand, and views of the Mazatlan hotels across the water, it makes for a relaxing adventure. (www.mazatlantours.org/
kolonahe-catamaran-deer-island.htm )
Panama, with several locations, was my favorite of all the dining options. Here I had a comfort breakfast of egg over easy, potato frites, a crisp Belgian waffle topped with fruit and a heavenly syrup, accompanied by iced tea – it was a satisfying wakeup. The pastries in the shop in the front of the modern clean and uncluttered dacor of the restaurant were tempting and looked too good to eat. Be sure and ask for the menu in English.
Also relatively close to the Pueblo Bonita Mazatlán hotel is the new La Mazetleca (www.lamazatleca.com) seafood restaurant. Weather permitting you can be seated at their sandy outdoor terrace overlooking the crashing surf. With a Mango Margarita, the sun, the breeze, and good company, what more do you need? I enjoyed a salmon with sunset sauce, ~ a refreshing fruity compote. La Mazetleca offers a number of exotic and visually stunning seafood dishes to explore. If outside seating is not an option, the interior has expansive windows toward the surf and video screens for passing the time.
On my departing evening my hosts arranged for a tour of the seaside night life along the coastal road after sunset aboard the signature Pulmonias. Pulmonias are an adoption of a golf cart with open air seating. The story goes that when first introduced this touristy transportation was in competition with local taxis. The taxis warned that you could catch cold or pneumonia riding in this open air motorized cars, thus the nickname Pulmonias. Pulmonias are only used in Mazatlan and have become its trademark image.
The farewell dinner was at the El Presidio –
(www.gomazatlan.com/en/restaurants/el-presidio) a gourmet restaurant in the Historic District. Here the charming atmosphere of a semi open air interior exposed brick courtyard transformed from reuse of an old house and factory, made for an exotic and memorable evening. In fact the atmosphere out did the gourmet food. The congenital wait staff followed my instructions explicitly and made me the best traditional Martini I had during my stay. It would have been easy to order another Mango Margarita but requesting a well-made simple Martini is a real test for any gourmet restaurant and El Presidio measured up.
My stay was too short, but you may also enjoy the expansive market downtown which has everything from souvenirs, table coverings, religions artifacts, fruits, vegetables, meats, seafood and leather goods among its many stalls.
Traveling is not only educational and of course enjoyable, but with a destination like Mazatlan, you may have discovered your favorite Mexican resort. There are a limited number of nonstop airline flights from a variety of United States gateways.
Explore: www.gomazatlan.com

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Ombudsman Program is committed to working with residents

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Areawide Aging Agency Long-Term Care Ombudsman Program is committed to working with residents, families and facility staff to improve the quality of life of residents in long-term care. Volunteers are an integral part of our mission. We are looking for volunteers who would like to make a difference in the life of a resident.
What are Ombudsmen?
Ombudsmen are advocates who identify, investigate and resolve individual and system level complaints that affect residents in long term care settings.
What does an Ombudsman Do?
• Visit residents weekly for two hours • Help residents articulate needs •Investigate and resolve complaints • Advocate for system and legislative changes • Educate residents of their rights
• Monitor conditions and care • Provide a voice for those who are unable to speak for themselves
Who can be a Volunteer?
You Can! Volunteers need to be over 18 years old. We provide the training and any support you might need after you become certified. Areawide Aging Agency’s next scheduled training for new volunteers will be July 29th and 30th 2015. The training will be held at Areawide Aging Agency located at 4101 Perimeter Center Drive Ste. 310, Oklahoma City, OK. The training will begin at 9:30 AM and last until 3:30 PM on both days. Training is free and the public is invited to attend. Attending the training is the first step towards becoming a certified volunteer; however, attending the training in no way obligates you to become a volunteer. If you would like more information or would like to attend the training, please contact Erin Davis, Ombudsman Supervisor at 405-942-8500.

Three Things You Can Do Now to Prevent Medicare Fraud

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By John D. Doak, Oklahoma Insurance Commissioner

An estimated $60 billion is lost each year around the country to Medicare fraud. And whether you’re on Medicare or not, everyone pays the price for healthcare fraud, errors and abuse with higher insurance payments and costs for medical services and equipment.
Because healthcare fraud is such an important issue, the Oklahoma Insurance Department’s Medicare Assistance Program is hosting a series of free events to help seniors fight scams. Experts will talk about the many different types of fraud targeted at seniors.
Here are three things you can do now to prevent Medicare fraud:
1. Protect Your Information
There are numerous schemes used to steal from you and Medicare. But no crook can succeed unless he has your Medicare or Social Security number.
• NEVER give out your Medicare or Social Security number to strangers even if they claim to be with a doctor’s office, medical supply company or Medicare.
• REMOVE your Social Security number from your checks. You can replace it with a driver’s ID number.
• DO NOT CARRY your Medicare card in your purse or wallet. Carry an “In Case of Emergency” card instead.

2. Check Your Medicare Statements
Always check your Medicare Summary Notices (MSN). These statements come in the mail and are marked “This is not a bill.” This notice tells you what services were paid for by Medicare. It is your responsibility to make sure the charges are correct. Check for:
• Duplicate payments for the same service
• Dates of service on the MSN compared to the dates you received the service
• Items or services you did not receive
• Billing for medical equipment or services your doctor did not order
3. Report Any Concerns
If you find discrepancies on your MSN, or you suspect fraud when someone offers or gives your free services or equipment, report it immediately.
• Call the company or doctor first to question the charge and ask them to correct it with Medicare.
• Contact your supplemental insurance company. If Medicare overpaid, your supplemental carrier likely overpaid too.
• If you don’t feel comfortable contacting the provider, call the Oklahoma Insurance Department’s Medicare Assistance Program at 1-800-763-2828.
The Senior Fraud Conferences will have more information on common scams targeting seniors. We encourage you and your loved ones to attend. These free events will be held in cities around the state from May to June.
For a list of locations and to register online, visit map.oid.ok.gov or call 1-800-763-2828.

June 15th, 2015: Meet Paul Scheie, The Science Guy

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Former physics professor Paul Scheie enjoys introducing Oklahoma children to the wonders at the Science Museum of Oklahoma.

Story and photo by Mike Lee, Staff Writer

At 82 years young, Paul Scheie is having a ball teaching kids science.
But it’s not in a classroom. He spent nearly 40 years doing that.
These days – actually two days a week, four hours at a time – you can find Scheie roaming the wide open spaces at the Science Museum of Oklahoma.
The pay is great, he says, noting his annual volunteer salary of zero dollars and zero cents doubles every year.
But Scheie’s not in it for the money. No, he’s in it for the wonder.
“I’m enjoying it. I’m having a ball,” Scheie said. “People ask me if I work at the museum and I tell them ‘No, I play at the museum.’”
Scheie moved back to Oklahoma in 2001 after retiring from a career teaching physics.
“We thought ‘Gee, what are we going to do with all our time,’’’ Scheie said. “That was a foolish question at the time.”
Living in Bethany, Scheie and his wife saw an advertisement from Putnam City Schools to help students an hour a week in Math and English.
The program lasted one year before Putnam City phased it out and the Scheie’s were left adrift again.
A science teacher for nearly 40 years, Scheie spied another ad, this time one to volunteer at Science Museum of Oklahoma.
It peaked his interest, but not as much as the tour the volunteer coordinator gave of the Science Museum of Oklahoma.
“I saw all these toys I had worked with for the last 40 years and I thought this was an institution for learning,” he said.
Things like centripetal force, magnetism and electrical current were on display through hands-on displays.
Some of those displays quite literally could make a child’s hair stand on end.
“At home, all their hands are on are knobs on a computer or TV,” he said. “You see that all the time here. I don’t think they know which end of a screwdriver to use. I think they should experience those things.”
“When I was a kid we had all sorts of things we could learn to use. Sometimes it was the hard way … but the kids need to experience things before they can start thinking about why something works.”
Scheie’s teaching career began at Oklahoma City University. He finished his degree and moved on to Penn State University and eventually Texas Lutheran.
His teaching career at Penn State coincided with the hiring of the legendary Joe Paterno, who would eventually become a college coaching icon and a mainstay in Happy Valley for some 45 years.
Scheie and wife Mary Anna have now been married for 52 years. When he heads to the museum, Mary Anna goes to her knitting group.
So what does Scheie see as his job description?
“To have fun,” he says with a laugh. “You learn so much from kids. Sometimes I just stand so I can watch the kids do things. It’s interesting the things they do and their reactions to things.”
Scheie and the museum are busy preparing for their next big exhibit.
CurioCity funded by the Donald W. Reynolds Foundation, will open to the public Father’s Day – June 21.
CurioCity, pronounced “curiosity”, is 21,000 square feet and features eight unique spaces exploring basic science as well as promoting creativity.
“Neighborhoods” such as the Spark Park, Wunderground and Tinker Works will introduce science in unexpected and entertaining ways.
Museum officials worked with Roto, an Ohio-based exhibit design firm that has worked on projects around the world.
It’s an exhibit Scheie is excited about but then again it’s just another day at the state’s only hands-on science museum and, with over 350,000 square feet, one of the largest science museums in the nation.
With a mission of enriching lives by revealing the wonder and relevance of science, Science Museum Oklahoma demonstrates the relationship between the physical sciences and everyday experiences.
The museum influences how Oklahomans learn about science through the medium of interactive exhibits, discovery-based activities, astronomy shows, Science Live! demonstrations, educational outreach efforts and special events. The museum’s clear mission and firm focus on science literacy encourages families to develop and build upon a strong foundation in the sciences.
And it’s a great place for grandparents to take their grandkids or, in Scheie’s case, a great place to teach science.

A Diet for Your Eyes

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by Vickie Jenkins

Summer is approaching and this is the time of the year that most of us start thinking about diet. But did you know that there is actually a diet for our eyes?
Diet and nutrition plays an important role in our everyday life. Adding powerful antioxidants to one’s diet can improve your eye health. There is no substitute for the quality of good vision. Adding certain nutrients to your diet every day, either through food or supplements can help save your vision. Researchers have linked eye-friendly nutrients such as lutein/zeaxanthin, vitamin C, vitamin E and zinc to reducing the risk of certain eye diseases, including macular degeneration and cataract formation.
Lutein and zeaxanthin are important nutrients found in green leafy vegetables, as well as other foods, such as eggs. Many studies have shown that lutein and zeaxanthin reduce the risk of chronic eye diseases, including age-related macular degeneration and cataracts.
Vitamin C is an antioxidant found in fruits and vegetables. There has been evidence that vitamin C lowers the risk of developing cataracts, and when taken wtih other essential nutrients, vitamin C can slow the progression of age-related macular degeneration and visual loss.
Vitamin E it’s most biologically active form, is a powerful antioxidant found in nuts, fortified cereal and sweet potatoes. It protects cells of the eyes from damage caused by unstable molecules called free radicals which break down healthy tissue.
Even though we try to avoid fats in our diet, it is a necessary part of our diet. They maintain the nervous system, fuel cells and boost the immune system. Two omega-3 fatty acids have been shown to be important for proper visual development and retinal function.
Last but not least, zinc is an essential for our diet. It plays a vital role in bringing vitamin A from the liver to the retina in order to produce melanin, a protective pigment in the eyes. Zinc is highly concentrated in the eye, mostly in the retina and choroid, the vascular tssue layer lying under the retina. So, as summer approaches and we tend to think of our diets, let’s not forget that there is a diet for our eyes.

APRN helps families from around the world

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Diana Schaeffer, MPH, MSN, APRN-CNP, has spent 40 years as a nurse and now treats patients from all over the world.

by Mike Lee, Staff Writer

When Claire Carrick received the news that her son Noah had been diagnosed with rhabdomyosarcoma it hit her with a force she had never felt.
When she learned that her 18-month-old’s best shot at a cure was on another continent the pediatric optometrist and her husband packed a few suitcases at their Manchester, England home and got on an airplane.
Luckily for Noah’s family, Diana Schaeffer, MPH, MSN, APRN-CNP and the ProCure Proton Therapy Center were waiting to receive them.
“I was quite frightened. We didn’t know what to expect,” Carrick said. “We didn’t know what the treatment would entail. We were uprooted to somewhere that was completely different. Diana was there to talk us through.”
Schaeffer’s speciality is pediatric cancer patients, both foreign and domestic.
ProCure maintains a contract with the National Health Service in the United Kingdom. Patients from England, Scotland and Wales will find their way to Oklahoma and Schaeffer.
Word has traveled quickly about what ProCure has to offer bringing in patients even from China and Bahrain.
“It’s very difficult,” Schaeffer said. “If you can imagine your world being turned upside down by a cancer diagnosis with your child and now you have to pick up and take your child where you don’t know anybody. You don’t know where you’ll be staying and you have no idea who these people are that you’re going to hand your child over to.”
Schaeffer’s nursing career began in an emergency room setting. From there she worked for an insurance company doing utilization review. A master’s in public health followed as did a position as the chief of nursing services for the Oklahoma State Department of Health.
She earned her APRN in the process.
“I just felt a need to put that to work,” Schaeffer said.
In 2012 she found ProCure.
“You know, when you’re trained as a nurse you’re kind of trained with some cultural sensitivity but you really aren’t quite trained to deal with day-to-day how to live and how to entertain them daily while they’re here. Most of your training is hospital-based but we’re not a hospital.”
Many out-of-town visitors will stay at the nearly Staybridge Hotel, which nurses have nicknamed “The Colony.”
But they have almost daily appointments at ProCure.
“It’s very easy to get very close to these families,” Schaeffer said. “I keep in touch with all of them as they go home. I know my patients and my families very well. I see them almost every day.”
Carrick said the 10-week stay in Oklahoma City was difficult but Schaeffer and her husband helped soften the blow.
“She’s on speed dial with us,” Carrick said.
ProCure is one of two proton centers in the nation that treat UK pediatric patients while the country builds their own proton centers.
ProCure Treatment Centers is a privately held health care company dedicated to improving the lives of patients with cancer by increasing access to proton therapy.
The company was founded in 2005 in Bloomington, Ind., and is the first to develop a network of proton therapy centers in cities across the United States.
ProCure’s solution reduces the time, cost and effort necessary to build and operate a facility. ProCure is advancing proton therapy by collaborating with radiation oncology practices and hospitals to develop centers through innovation and improvements in technology, and by providing training at the world’s only educational facility specializing in proton therapy.
Schaeffer also coordinates care with OU Children’s Hospital if patients need chemo in addition to proton therapy. She relays information back to the child’s care team in the UK, acting as their “constant clinical lifeline” as she says. And since no one travels with their family doc, Schaeffer even provides urgent care for any of the family’s needs while here.
“I just kind of fell into it,” Schaeffer said. “I think I’m in the only nurse practitioner in the state that does any kind of radiation oncology and I know that I’m the only proton nurse practitioner.”
Carrick said the nine-hour plane ride to Oklahoma City gave the family plenty of time to wonder what they would encounter across the pond.
Once they arrived there was a definite dose of culture shock. And being in Oklahoma City during the spring meant the Carricks got to hear their first tornado siren.
“Diana was on Facebook with me telling me we were fine,” Carrick said.
The Carricks still have a road to travel. They left in mid-May and Noah’s central line was removed before the travels. That will have to be reinserted on arrival back home.
A kidney function test is scheduled and then an MRI in three months.
But whatever the Carrick’s face, Claire knows they won’t have to face it alone.
“She’s our nurse,” Claire said of Schaeffer. “But she’s our friend now as well.”

Oklahoma Arts Council Seeks Nominations for 40th Annual Governor’s Arts Awards

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Now through August 7, the Oklahoma Arts Council is inviting Oklahomans statewide to submit nominations for the 40th Annual Governor’s Arts Awards. Each fall, the Governor presents the awards during a special ceremony at the State Capitol, recognizing individuals and organizations whose efforts in the arts have made an impact in communities, schools, or across the state.
The 2015 Governor’s Arts Awards marks a banner year for the event.
“This year, we celebrate not only the 40th anniversary of the Governor’s Arts Awards, but the 50th anniversary of the Oklahoma Arts Council,” Oklahoma Arts Council Executive Director Amber Sharples said. “Ten years into our existence, in 1975, we recognized a need to honor individual Oklahomans and specific organizations that play invaluable roles in making the arts flourish across our state. Forty years later, we proudly carry on the tradition. The nomination process allows us to learn about those whose contributions, sacrifice, and dedication merit recognition by the Governor and the Council.”
Awards are presented in several categories:
Governor’s Award – recognizes individuals for longtime leadership and significant contributions to the arts across Oklahoma.
Arts in Education Award – recognizes an individual, organization, school, educator or group for their outstanding leadership and service in the arts benefitting youth and/or arts in education.
Business in the Arts Award – recognizes businesses/corporations who exhibit outstanding support of the arts in Oklahoma. This award was created in memory of Earl Sneed, prominent arts advocate.
Community Service Award – recognizes individuals for significant contributions to the arts in specific Oklahoma communities in the areas of leadership and volunteerism.
Media in the Arts Award – recognizes an individual member in the media who demonstrates commitment to the arts in Oklahoma documented through public awareness support and fairness, initiative, creativity and professionalism in reporting. This award was created in memory of Bill Crawford, veteran professional journalist.
George Nigh Public Service in the Arts Award – recognizes an Oklahoma government official for outstanding support of the arts. The category was named in honor of former Oklahoma Governor George Nigh.
Nominees must be current residents of the State of Oklahoma and living in Oklahoma full time, or organizations/businesses that work in and for the benefit of Oklahoma. Previous recipients of the Governor’s Award are not eligible. Honorees will be selected by the Governor’s Arts Awards Selection Committee, which is comprised of members of the Governor-appointed Oklahoma Arts Council board and may include past Governor’s Award recipients.
An online nomination form and a downloadable nomination form are available at arts.ok.gov. Deadline for submissions is Friday, August 7.
For more information, contact Joel Gavin, Oklahoma Arts Council director of marketing and communications, at (405) 521-2037 or [email protected].

April & May AARP Drivers Safety Classes Offered

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Date/ Day/ Location/ Time/ Registration #/ Instructor
June 16/ Tuesday/ Edmond/ 1:30 -3:00 pm/ 210-6798/ Palinsky
AARP State Office – 126 N. Bryant Ave. “WNTT (We Need To Talk) Seminar Free”
Jun 27/ Saturday/ Moore/ 9 am – 3;30 pm/ 735-9638/ Palinsky
1st Methodist Church – 201 W. Main
July 2/ Thursday/ Okla. City/ 9:30 am – 4 pm/ 951-2277/ Palinsky
Intergis 3rd Age Center – 5100 N. Brookline
July 10/ Friday/ Okla. City/ 9 am – 3:30 pm/ 951-2277/ Edwards
S.W. Medical Center – 4200 S. Douglas, Suite B-10
July 10/ Friday/ Okla. City/ 9 am – 3:30 pm/ / Palinsky
Brand Senior Center – 501 E. Main
Aug 6/ Thursday/ Okla. City/ 9:30 am – 4 pm/ 951-2277/ Palinsky
Intergis 3rd Age Center – 5100 N. Brookline
Aug 8/ Saturday/ Moore/ 9 am – 3:30 pm/ 799-3130/ Palinsky
Brand Center – 501 E. Main St.
Aug 13/ Thursday/ Norman/ 9 am – 3:30 pm/ 440-8802/ Palinsky
Norman Regional Hospital – 901 N. Porter Ave.
Aug 14/ Friday/ Okla. City/ 9 am – 3:30 pm/ 951-2277/ Edwards
S.W. Medical Center – 4200 S. Douglas, Suite B-10
Aug 18/ Tuesday/ Yukon/ 9 am – 3;30 pm/ 350-7680/ Edwards
Dale Robertson Center – 1200 Lakeshore Dr.
The prices for the classes are: $15 for AARP members and $20 for Non-AARP. Call John Palinsky, zone coordinator for the Oklahoma City area at 405-691-4091 or send mail to: [email protected]

GREG SCHWEM: Nana’s becoming a graffiti artist

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Dad’s been gone over a year now. It was time to sit down with Mom and have that uncomfortable but necessary conversation about moving on. I started with simple suggestions.
“How about returning to golf, Mom?” I said.
“My knees are acting up. And my back. And my joints. Then there’s my vision …”
OK, not a good launching point.
“You’ve always enjoyed cooking, right?”
“Cooking for one is not exactly a joyous activity.”
I couldn’t argue with that.
“Volunteer at the hospital?”
“Too depressing.”
“Gardening?”
“My knees are acting up. And my back. And my joints …”
“OK, I get it,” I replied, while realizing this could be more difficult than I first thought. It was time to pull out the heavy artillery.
“Graffiti artist in Portugal?”
“Excuse me?”
I grabbed her iPad and pulled up the Facebook page of LATA 65, boasting thousands of “likes” and containing dozens of photos of senior citizens roaming the streets of Lisbon, Portugal, armed with spray paint “latas,” which is Portuguese for “can.”
“What a wonderful idea, Greg,” Mom said. “Send your nearly 80-year-old mother overseas and have her deface one of Europe’s most beautiful cities. Will you and my grandchildren visit me in prison? I can hardly wait to meet my celly. How do you say ‘shank’ in Portuguese?”
“Calm down Mom, it’s perfectly legal,” I said, quickly launching into my limited knowledge of LATA 65, gleaned solely from online articles and social media. The organization seeks to break down the negative connotations often associated with graffiti – “street art” to its supporters – by painting colorful designs in some of Lisbon’s most blighted areas. And what better way to show that graffiti can beautify a city, as opposed to attracting warring gang factions, than by employing the geriatric set to create art?
I showed Mom photos of grandmas and nanas sitting around a conference table, plotting designs and cutting stencils. Scrolling further, I shared pictures of these same women, some wearing rubber gloves and fume-preventing surgical masks, transferring their concepts to murals, pavement and the sides of buildings. In one photo, women who looked as if they came straight from Tuesday afternoon book club triumphantly hoisted their latas aloft, signaling a successfully completed project.
“So, what do you think?” I asked Mom. “See the world, meet new friends, learn a foreign language, and create visual statements that will endure long after you’re gone. You could cross off an entire Bucket List in one trip!”
“I’m not much for art,” she replied. “And I don’t know anything about painting.”
“That’s where the mentor program comes in,” I said, reminding her that this mature gang doesn’t prowl Portuguese ‘hoods unsupervised. All workers paint in tandem with professional street artists, who school them in the finer points of urban graffiti.
“I’d miss everybody back home,” Mom said.
“Think of it as a work-study program,” I said. “Go over there for about 10 weeks, learn the craft and bring your skills back here. There must be a few areas in your subdivision that could benefit from a dose of Portuguese-infused urban art.”
“Come to think of it, the clubhouse exterior looks a little drab. And don’t get me started on the tennis court,” she said. “Of course any improvements, changes or modifications would require a two-thirds vote of the homeowners association.”
“Worry about that later,” I said. “Right now you need to run to Home Depot, grab a lata or three, and make sure your passport is up to date. I’ll check flights on Expedia. Oh, and Mom, if you do get arrested over there, just remember this phrase: ‘Por favor, Posso pintar minhas paredes celulares.’”
“What does that mean?”
“It’s Portuguese for, ‘May I please paint my cell walls?’”

(Greg Schwem is a corporate stand-up comedian and author of “Text Me If You’re Breathing: Observations, Frustrations and Life Lessons From a Low-Tech Dad,” available at http://bit.ly/gregschwem. Visit Greg on the Web at www.gregschwem.com.)

(c) 2015 GREG SCHWEM. DISTRIBUTED BY TRIBUNE CONTENT AGENCY, LLC

Retirement Plans Can Be Imperiled When Long-Term Care Needs Arise

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Savings Are Depleted Quickly If Not Properly Protected

There’s a tendency to give a silent cheer any time the average life expectancy grows a little longer.
But long life also has its downsides.
“Not everyone will spend all of their retirement years being active and doing all the fun things they planned,” says Mark Cardoza, author of the book “Positioning 4 Retirement.” (www.positioning4retirement.com) “Many people will end up needing long-term care, such as in nursing homes, and that can be expensive. How to pay for that care is a looming problem for a lot of people.”
Cardoza began learning about long-term care needs when his father became terminally ill about a decade ago. Much of what he learned was not reassuring.
The federal government knew as far back as the 1970s and 1980s that long-term care of aging Americans would become a growing issue, Cardoza says.
“They realized that the American public saw growing old and being cared for as an entitlement,” he says. “Instead of educating people and creating political trauma, they developed what we now know as ‘qualified retirement plans.’ ”
Such plans include the popular 401k plans that many employers offer in lieu of pensions these days. They are attractive because they allow people to defer taxes on the money placed in the account, and some employers offer matching funds.
But retirement savings can be vulnerable when a person needs long-term care, Cardoza says.
The cost of long-term care can deplete retirement savings pretty quickly. One option for offsetting some of the costs is to apply for Medicaid. But in some cases, unless retirement savings are properly protected, they can be considered an asset and must be spent first before Medicaid kicks in, Cardoza says.
He says there are several options for protecting your retirement savings and getting the most out of those dollars you so painstakingly set aside throughout your working years. A few options include:
• Long-term care insurance. A long-term care insurance policy, if properly designed, will provide your family with financial, physical, and emotional resources while protecting your assets. Financially, it is a way to self-insure, using assets to pay for coverage, entirely or while getting through the look-back period. A long-term care insurance policy is a disability plan. It doesn’t replace incomes as a typical disability plan would; instead, it provides income to pay for necessary services in the event of accident, illness, or aging and being unable to do everyday tasks.
• Fixed annuities. An annuity is an insurance product. Money is placed in the annuity with the insurance company’s promise to pay an amount in the future as a lump sum or in intervals over a decided period of time. Fixed annuities are designed to protect your retirement assets from financial catastrophe. They can also provide security and protect your retirement income by providing an income stream either for the rest of your life or for a defined period of time.
• Irrevocable trusts. An irrevocable trust is used to protect assets, minimize estate tax liability, avoid probate, and maintain privacy. These trusts are designed to protect qualified funds, in which taxes could be deferred, and non-qualified funds, for which tax deferrals were not allowed.
Ultimately, Cardoza says, before making any decisions it’s best to consult with a professional who understands the intricacies of retirement planning.
Mark Cardoza was born in Easton, Massachusetts and has lived there ever since with his wife Janice. Together they have raised three children who are now adults.
After graduating from Johnson & Wales College with a degree in Hospitality Management, Mark entered the corporate world. In 1994, he created Whistles Express Restaurant, a diversified restaurant concept. In 2002, Mark was asked to help a family member settle an estate and quickly learned about insurance and its role in estate planning.
In 2006, Mark sold his restaurant and began working full-time in the insurance industry. In 2011, he established M. Cardoza Insurance, Inc. He holds the designation of CLTC (Certified Long Term Care) specialist and is certified in the area of trusts and estate planning.
(www.positioning4retirement.com)