february 2016 | coachella valley beacon

24
By Bill Marchese Tennis star Rosie Casals may have fin- ished as a professional player, but tennis is not finished with her. The National Tennis Hall of Fame member rose in tennis world in the 1960s and 1970s as one of the top five tennis players in the United States and remained there for 11 years. She is a seven-time Wimbledon doubles cham- pion, winning five women’s doubles tourna- ments with Billie Jean King, who remains a close friend to this day. Casals owns a total of 12-time Grand Slam doubles titles. The accolades for the Palm Desert resi- dent go on and on for her successful sports career. In recent years, she has reinvented herself through her company, Sports- woman, Inc., which she launched in 1982. “Sportswoman is my way of staying in touch with the tennis world and my friends and giving back to the community,” she said. “Tennis is still my life.” Through Sportswoman, Casals pro- motes local charity tennis events, “I also do a charity event with Billie Jean King once a year to raise funds for her alma mater, Cal State University,” she said. One of Casals’ fundraising events is the “Rosie Casals & Jackie Cooper” team tennis Pro-Am, which provides financial aid and grants to local juniors and organizations to promote junior tennis in the Coachella Val- ley. The tourney teams up amateur, profes- sionals and juniors in a doubles Round Robin. Open to everyone at all levels, the teams consist of one professional, one jun- ior and two amateur players, a great learn- ing experience. Held at Indian Ridge Country Club, where Casals lives, the event raised $35,000 last April. “We hope to get 40 to 60 teams together this year,” Casals said. The next tourna- ment is scheduled for April. In addition to charity events, Casals or- ganizes exhibitions with pro tennis players, clinics to help players improve their game, corporate outings and speaking tours You’ve come a long way, baby Women have reached parity with men in tennis. But it has taken time. Look at Ser- ena Williams, a millionaire with 21 grand slams. Roger Federer only has 17. “Women have come a long way since the 1970s,” Casals said, true to the pitch of Vir- ginia Slims cigarettes, which promoted women in sports and other fields with the slogan, “You’ve come a long way, baby.” In 1973, a famous man vs. woman “Bat- tle of the Sexes” professional tennis match pitted Billie Jean King against Bobby Riggs. King won the match 6-4, 6-3 and 6-3. Casals said that “Women’s tennis helped put women’s sports on the map,” and it helped promote Title IX in public schools, which put male and female funding and op- portunities on equal footing. The money in tennis has increased dra- matically over the years. There was not much money in the sport when Casals started: “We played for the joy and the love of the game. Today it’s about money.” Billie Jean King played 30 tournaments to earn $100,000 in the 1970s. She was the first female tennis player to do so. Serena and Venus Williams earn in the millions, count- ing tournament winnings and endorsements. Casals won $30,000 in the first Family Circle Cup in 1973, the first women’s tennis match covered nationally by NBC-TV. It was the most money ever awarded to a man or woman playing tennis. Still in her teens at the time, she celebrated by spending $20,000 of her winnings on a new Mercedes Benz 450SL. A bit more conservative now, More than 40,000 readers throughout the Coachella Valley COMPLIMENTARY VOL.5, NO.2 IN FOCUS FOR PEOPLE OVER 50 FEBRUARY 2016 The reinvention of Rosie Casals See ROSIE CASALS, page 9 INSIDE… The Coachella Valley Rosie Casals conducts tennis events at Indian Ridge Country Club in Palm Desert, where she also lives. PHOTO BY BILL MARCHESE FITNESS & HEALTH 4 k What is (and isn’t) normal aging? k Fight the flu naturally LAW & MONEY 12 k A 2016 stock market game plan k What’s required for RMDs? PLUS BEACON BITS & MORE ARTS & STYLE Inside the Sinatra fashion show luncheon; plus, Jewish federa- tion to host “Bach to Broad- way” page 20 LEISURE & TRAVEL Exploring Key West’s wildlife and wild life, as well as a na- tional park nearby page 16

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Page 1: February 2016 | Coachella Valley Beacon

By Bill MarcheseTennis star Rosie Casals may have fin-

ished as a professional player, but tennis isnot finished with her.

The National Tennis Hall of Fame memberrose in tennis world in the 1960s and 1970s asone of the top five tennis players in the UnitedStates and remained there for 11 years. Sheis a seven-time Wimbledon doubles cham-pion, winning five women’s doubles tourna-ments with Billie Jean King, who remains aclose friend to this day. Casals owns a total of12-time Grand Slam doubles titles.

The accolades for the Palm Desert resi-dent go on and on for her successful sportscareer. In recent years, she has reinventedherself through her company, Sports-woman, Inc., which she launched in 1982.

“Sportswoman is my way of staying intouch with the tennis world and my friendsand giving back to the community,” shesaid. “Tennis is still my life.”

Through Sportswoman, Casals pro-motes local charity tennis events, “I also doa charity event with Billie Jean King once ayear to raise funds for her alma mater, CalState University,” she said.

One of Casals’ fundraising events is the“Rosie Casals & Jackie Cooper” team tennisPro-Am, which provides financial aid andgrants to local juniors and organizations topromote junior tennis in the Coachella Val-ley. The tourney teams up amateur, profes-sionals and juniors in a doubles RoundRobin. Open to everyone at all levels, theteams consist of one professional, one jun-ior and two amateur players, a great learn-ing experience. Held at Indian RidgeCountry Club, where Casals lives, theevent raised $35,000 last April.

“We hope to get 40 to 60 teams togetherthis year,” Casals said. The next tourna-ment is scheduled for April.

In addition to charity events, Casals or-ganizes exhibitions with pro tennis players,clinics to help players improve their game,corporate outings and speaking tours

You’ve come a long way, babyWomen have reached parity with men in

tennis. But it has taken time. Look at Ser-ena Williams, a millionaire with 21 grandslams. Roger Federer only has 17.

“Women have come a long way since the1970s,” Casals said, true to the pitch of Vir-

ginia Slims cigarettes, which promotedwomen in sports and other fields with theslogan, “You’ve come a long way, baby.”

In 1973, a famous man vs. woman “Bat-tle of the Sexes” professional tennis matchpitted Billie Jean King against Bobby Riggs.King won the match 6-4, 6-3 and 6-3.

Casals said that “Women’s tennis helpedput women’s sports on the map,” and ithelped promote Title IX in public schools,which put male and female funding and op-portunities on equal footing.

The money in tennis has increased dra-matically over the years. There was notmuch money in the sport when Casalsstarted: “We played for the joy and the love

of the game. Today it’s about money.” Billie Jean King played 30 tournaments to

earn $100,000 in the 1970s. She was the firstfemale tennis player to do so. Serena andVenus Williams earn in the millions, count-ing tournament winnings and endorsements.

Casals won $30,000 in the first FamilyCircle Cup in 1973, the first women’s tennismatch covered nationally by NBC-TV. Itwas the most money ever awarded to a manor woman playing tennis. Still in her teensat the time, she celebrated by spending$20,000 of her winnings on a new MercedesBenz 450SL. A bit more conservative now,

More than 40,000 readers throughout the Coachella Valley

COMPLIMENTARY

VOL.5, NO.2

I N F O C U S F O R P E O P L E O V E R 5 0FEBRUARY 2016

The reinvention of Rosie Casals

See ROSIE CASALS, page 9

I N S I D E …

The Coachella Valley

Rosie Casals conducts tennis events at Indian Ridge Country Club in Palm Desert,where she also lives.

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FITNESS & HEALTH 4k What is (and isn’t) normal aging?k Fight the flu naturally

LAW & MONEY 12k A 2016 stock market game plank What’s required for RMDs?

PLUS BEACON BITS & MORE

ARTS & STYLEInside the Sinatra fashion showluncheon; plus, Jewish federa-tion to host “Bach to Broad-way”

page 20

LEISURE & TRAVELExploring Key West’s wildlifeand wild life, as well as a na-tional park nearby

page 16

Page 2: February 2016 | Coachella Valley Beacon

By Michael BrachmanWe did it. Our annual Beacon 50+ Expo

has become a prime lifestyles event in theCoachella Valley. The free Jan. 27 event atAgua Caliente Casino Resort Spa in RanchoMirage presented a wide array of ex-hibitors visited by hundreds of guests seek-ing up-to-date information in a relaxedenvironment. In addition to the new central Valley loca-

tion, this year we offered free transportationby Cardiff from Joslyn Center, Indio SeniorCenter and Mizell Senior Center. Refresh-ments, stuffed logo goodie bags and draw-ings for door prizes proved as popular as ever. Phyllis and Nicholas Karas of Desert Hot

Springs told us they “really enjoyed theExpo.” Akiko Stone of Rancho Mirage said itwas “very informative.” Snowbird Sue Anders

of Indio said “it was very enlightening, and Ilearned a few things I didn’t know about.”Vendors agreed, especially two that are

trying to spread the word about their freeservices: Clear Captions arranges free tele-phones for the deaf and hard of hearing, andRiverside County Department of MentalHealth’s PEARLS program offers no-costcounseling for those 60 years and older. Thanks to our 50 vendors, who presented

a wide range of products and services.Thanks to our speakers and entertainment.Damoun Rezai, M.D., spoke about hearthealth. Michael Cohen encouraged the au-dience to enjoy and perhaps continue work-ing in their senior years. David Andrewsgussied up a model with airbrush makeup

2 More at TheBeaconNewspapers.com F E B RUA R Y 2 0 1 6 — CO ACHE L L A VA L L E Y B E A CON

Beacon Expo was a plus for guests, vendors

Letters to the editorReaders are encouraged to share their opinion on any matter addressed

in the Coachella Valley Beacon as well as on political and social issues ofthe day. Mail your Letter to the Editor to The Coachella Valley Beacon,

1001 S. Palm Canyon Dr., Ste 217, Palm Springs, CA 92264 or e-mail to [email protected]. Please include your name,

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Submissions: The Coachella Valley Beacon welcomes reader contributions. Deadline for editorial is the20th of the month preceding the month of publication. Deadline for ads is the 15th of the month precedingthe month of publication. Please mail or email all submissions.

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The Coachella Valley Beacon is a monthly newspaper dedi cated to informing, serving and en ter taining the citi zens of the Coachella Valley area,and is independently owned and operated by On-Target Media, Inc. under authority of the Beacon Newspapers, Inc. Other Beacon editions serve Howard County, Md. and Baltimore, Md., as well as Greater Washington, D.C.

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PALM DESERT HOSTS DOCUMENTARY FILMS Calder – Sculptor of Air continues Palm Desert’s annual free filmseries focusing on art at 6 p.m. Thursday, Feb. 18 at UCR Palm

Desert, 75-080 Frank Sinatra Drive, Palm Desert. Featured speaker is StevenNash, former director of the Palm Springs Art Museum. Register atpalmdesert.ucr.edu/programs, (760) 837-1663

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Page 3: February 2016 | Coachella Valley Beacon

COACHE L L A VA L L E Y B E A CON — F E B RUA R Y 2 0 1 6 Say you saw it in the Beacon 3

Page 4: February 2016 | Coachella Valley Beacon

As we age, we all notice changes in ourbodies, from our reflexes to our libido.

But some physical changes aren’t a normalpart of the aging process. “It’s important toknow about them, so we can do all we can tokeep ourselves as healthy and active as possi-ble,” said Suzanne Salamon, M.D., a geriatri-cian and assistant professor at HarvardMedical School.

Check out these common age-relatedhealth changes to see what’s normal andwhat’s not.1. Normal vision changes: The lenses

in the eyes become cloudy in later years.“As a result, older people need much morelight to be able to see, read and avoidfalling,” Salamon said. Also normal: im-

paired close-up vision and an increase in“floaters.”Not normal: Loss of peripheral vision,

which is a possible symptom of glaucoma,or a sudden increase in floaters accompa-nied by flashes — a sign of problems withthe retina.Next step: Schedule a comprehensive

eye exam with an ophthalmologist.2. Normal hearing changes: It may be

harder to hear someone speaking, espe-cially with background noise.Not normal:When it sounds like every-

one is mumbling, and you don’t hear thephone or the doorbell ring. Don’t ignore it.“Hearing loss can cause social isolationwhen people avoid gatherings because they

can’t hear the conversations,” Salamon said.Next step: Report symptoms to your

primary care physician. A simple earwaxbuildup may be causing the problem. If not,the next step is a hearing evaluation withan audiologist or a visit to a hearing aid spe-cialist.3. Normal thinking-skills changes:You

may misplace keys, forget someone’s name,or take longer to learn something new.Not normal: Forgetting how to drive,

cook, do your finances, or find your wayhome, especially when accompanied bymood swings and agitation. The cause couldbe as simple as a lack of sleep or a side effectfrom a medication. Or it could be an earlysign of a disease that causes dementia.

Next step: Report symptoms to your pri-mary care physician, or make an appoint-ment with a neurologist or a geriatrician fora memory screening.4. Normal urinary changes: The blad-

der muscles get weaker, causing more fre-quent and more urgent need to urinate. Inmen, prostate enlargement may requirenighttime bathroom visits.Not normal: Frequent bathroom

breaks that interfere with normal dailyfunction or normal sleep patterns. “Thisneeds to be checked out to make sure it’snot a bladder infection or an overactivebladder,” Salamon said.

What’s normal for aging and what’s not?

SeeWHAT’S NORMAL, page 5

4 More at TheBeaconNewspapers.com F E B RUA R Y 2 0 1 6 — CO ACHE L L A VA L L E Y B E A CON

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Page 5: February 2016 | Coachella Valley Beacon

Next step: Report symptoms to your pri-mary care physician, or make an appoint-ment with a urologist.5. Normal sleep changes: We spend

less time in the deepest stages of sleep aswe age. As a result, you may wake up feel-ing less rested.Not normal: Trouble falling asleep, stay-

ing asleep, or falling back to sleep after you’vebeen awake in the middle of the night.Next step: Talk to your doctor or go to a

sleep specialist. Get a physical exam to makesure there isn’t an underlying cause of sleepproblems, such as a medication side effect.Go to bed and get up at the same time eachday to improve your sleep-wake pattern.6. Normal taste and smell changes:

Some diminishment may make it harder totaste food or detect strong odors.

Not normal: Diminishment that leavesfood tasteless. “This can lead to less enjoy-ment of food, and as a result, poor nutritionand weight loss,” Salamon said.Next step: Talk to your primary care

doctor, or make an appointment with a neu-rologist or an ear, nose and throat special-ist. Often, loss of taste and smell is causedby sinus blockages, but it may signal a neu-rological condition.

7. Normal fatigue: You may have less

energy or endurance than you did whenyou were younger.

Not normal: A constant feeling of exhaus-tion. “This often is the result of diseases,such as heart problems or anemia, or a sideeffect of medications,” Salamon said.

Next step: Report your symptoms toyour primary care physician.

© 2015. President and Fellows of Har-vard College. All Rights Reserved. Distrib-uted By Tribune Content Agency, LLC.

COACHE L L A VA L L E Y B E A CON — F E B RUA R Y 2 0 1 6 Say you saw it in the Beacon | Fitness & Health 5

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What’s normalFrom page 4

By Lindsey Tanner Irwin Weiner felt so good after heart sur-

gery a few weeks before turning 90 that hestopped for a pastrami sandwich on the wayhome from the hospital. Dorothy Lipkindanced after getting a new hip at age 91.And at 94, William Gandin drives himself tothe hospital for cancer treatments.

Jimmy Carter isn’t the only nonagenarianto withstand rigorous medical treatment.Very old age is no longer an automatic bar-rier for aggressive therapies — from cancercare like the former president has received,to major heart procedures, joint replace-ments and even some organ transplants.

In many cases, the nation’s most seniorcitizens are getting the same treatmentsgiven to people their grandchildren’s age— but with different goals.

“Many elderly patients don’t necessarily

want a lot of years. What they want is qualityof life,” said Dr. Clifford Kavinsky, a heartspecialist at Rush University Medical Cen-ter in Chicago. “They want whatever time isleft for them to be high quality. They don’twant to be dependent on their family. Theydon’t want to end up in a nursing home.”

Treatment for Carter, 91, has includedsurgery, radiation and a new cancer drugwith fewer side effects than traditionalchemotherapy. It seems to be working —Carter announced in December that brainscans show no signs of the melanoma thatwas found in August.

An individual decisionThe nation’s 90-and-up population, about 2

million people, nearly tripled in recentdecades, and the pace is expected to continue.Many are struggling with more than one age-

related illness that make them poor candi-dates for aggressive and often costly care. Butplenty remain robust enough to give it a try.

Lipkin, now 93, had hip replacement sur-gery two years ago in the Philadelphia area.Arthritis made walking difficult and painful.She’d been a good dancer in her youngerdays, and had tried to remain active, so herdoctor recommended the operation.

“Otherwise I was going to be in a wheel-chair the rest of my life,” Lipkin said. Soonafter, she made a video doing a line danceto show how well she was healing. In thewinter, she lives in Florida, walks at leasthalf an hour daily, and leads “a normal life.”

Lipkin says having such major surgeryat her age should be an individual decision.

Doctors agree. Some 90-year-olds are fit-ter than some 60-year-olds, but they sayother considerations need to be in the mix.

At MD Anderson Cancer Center in Hous-ton, the oldest patients are evaluated bygeriatricians — specialists in medical careof the elderly — to make sure they’re ableto tolerate harsh treatments. Physical andmental health are assessed. So is social sup-port — whether there are family membersor friends available to help during treat-ment and recovery.

“We do believe that cancer care shouldnot be limited by age,” said Dr. Beatrice Ed-wards.

Less invasive treatmentsWhile many elderly patients are healthy

enough to tolerate conventional treatments,advances including more targeted, lesstoxic drugs and minimally invasive surgery

Complex treatments can work at any age

See TREATMENTS, page 7

Page 6: February 2016 | Coachella Valley Beacon

I think I am a real germaphobe becauseI get very conscious when someone sittingnext to me starts coughing, especiallywhen they don’t cover their mouth. I’ll letthe first one slide, but if it happens again, Iam apt to leave or hand them a Kleenex.

Is it just me or are you that way, too? Ifyou feel like you’re coming down withsomething, here are five things that mayhelp:1. Oil of oregano is a super strong

germ fighter. Essential oil of oregano issold at health food stores and online in a lit-tle dropper bottle. Put one or two drops inyour own “medicinal herb tea” (wink) andthen drink it.

It will not taste pleasant. You will proba-bly curse me. But it’s going to help you.

Squeeze some lemon and honey into it,both for flavor and health effects.

The key ingredients in oregano are car-vacrol and thymol, both of which inhibit thegrowth of hundreds of microorganisms.2. Probiotics should be taken daily for

proper immunity, but when you feel cold orflu symptoms coming on, I feel like youshould at least double up on the dose. I amnot afraid of taking probiotics throughoutthe day. I’m more afraid of feeling miser-able and sick.

High-quality probiotics will improve thequality and count of your healthy disease-fighting bacteria. Some strains will even in-duce IL-10-producing regulatory T-cells,which is a scientific way of saying they re-duce inflammation, and can help improve

immune function as well as inflammatorydisorders of the gut, like painful Crohn’s.3. FluNada. This is a natural over-the-

counter spray that I typicallysquirt into my throat. You canalso spray this product intoyour nose, because that is thepoint of entry for germs.

FluNada contains a homeo-pathic blend of wintergreen,eucalyptus and elderberry es-sential oils. It is available atWalgreens and other pharma-cies. When you feel like you’recoming down with something,that is the time to use it.

This product was tested bytwo independent labs andfound to be effective against multiple coldand flu strains, including swine, bird andseasonal flu. FluNada provides non-drowsy

relief from multiple symptoms, includingrunny or blocked nose, sore throat, cough,and body aches and pains.

4. Green tea. If you keeprummaging around in mypurse, you will find teabags offlavored green tea. It is com-mon for me to ask the waitressat a restaurant for a little cup ofhot water “because I have myown medicinal herbs.” Sam af-fectionately scolded me oncesaying, “Do you realize we livein Colorado? She thinks yourlittle ‘medicinal herbs’ are a dif-ferent kind of green tea!”

The epigallocatechin gal-late (EGCG) in green tea (its

most abundant catechin or antioxidant) was

Some effective ways to fight colds and flu

DEAR PHARMACISTBy Suzy Cohen

6 Fitness & Health | More at TheBeaconNewspapers.com F E B RUA R Y 2 0 1 6 — CO ACHE L L A VA L L E Y B E A CON

Stay connected with us! (760) 398-2651 www.cvwd.org

For a complete list of restrictions visit www.cvwd.org/

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Save water, save moneyWe’re all in this together and we must continue to save water. State restrictions are still in e!ect.

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Serve water in restaurants only upon request.

Use a hose with a shut-o! nozzle when washing your vehicle or windows.

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Thanks for saving, Keep up the good work!

STAY FIT AFTER 50Desert Regional Medical Center schedules a free exercise pro-gram designed to help improve strength and flexibility in people

ages 50+ at 8 a.m. Monday, Wednesday and Friday. Classes are held in the Ster-gios Building at the medical center, 1180 N. Indian Canyon Drive, Palm Springs.(800) 491-4990

BEACON BITS

Ongoing

See COLDS AND FLU, page 7

Page 7: February 2016 | Coachella Valley Beacon

shown in numerous studies, including a2005 article in Antiviral Research, to haveantiviral effects by unraveling the viralmembrane. 5. Vitamin D is a strong immune mod-

ulator and reduces susceptibility to all sortsof infections. Also, vitamin D controls the

expression of more than 900 genes involvedin hundreds of physiological functions.

This information is opinion only. It is notintended to treat, cure or diagnose your con-dition. Consult with your doctor before usingany new drug or supplement.

Suzy Cohen is a registered pharmacist andthe author of The 24-Hour Pharmacist andReal Solutions from Head to Toe. To contacther, visit www.SuzyCohen.com.

techniques are opening the door to others. Gandin, the 94-year-old, was diagnosed

more than 10 years ago with prostate cancer.Treatment with radiation and chemotherapyfailed to stop cancer from spreading to hislungs and bones. He’s now on hormone treat-ment that he said is controlling the disease.

A retired Exxon Mobil auditor, Gandinhelps take care of his wife of 74 years intheir assisted living home in Houston, andis not ready to give up on treatment. “I’m aneternal optimist — that’s what has carriedme through,” he said.

Weiner, a retired furniture manufacturerrepresentative, had a hardened, leaky aor-tic valve — a common condition in late lifethat can lead to disability and death. Open-heart surgery is a common option forheart-valve surgery, but some doctors hes-itate to perform it in aged patients, saidKavinsky, the Chicago heart specialist.

Dr. Joseph Lamelas, Weiner’s surgeon atMount Sinai Medical Center in MiamiBeach, Florida, used a newer approach, im-planting a new valve through a small inci-sion on the right side of the chest.

After four days in the hospital last Janu-ary, Weiner was back home in Boca Raton,Florida, and was well enough to have twobig 90th birthday celebrations less than amonth later.

Even transplantsOrgan transplants are less common but

not unheard of in the very old. Since 2013,there have been more than 100 kidney trans-plants in patients aged at least 80, includingone in an 88-year-old, according to the UnitedNetwork for Organ Sharing. Its records showthat since 1987, the nation’s oldest kidneytransplant recipient was a 96-year-old.

There are generally no strict age limitson transplants. Dr. Dorry Segev, a JohnsHopkins Medicine transplant specialist,said frailty is a more important factor, and

his center measures it rigorously, includingassessing patients’ grip strength, walkingspeed and muscle mass.

Ethical and financial issues complicatedecisions on providing costly treatments tothe very old, and life expectancy has to beconsidered, Kavinsky said.

“When you start doing procedures on a90-year old, you have someone who has al-ready exceeded the average lifespan inAmerica,” he said. “How far should we go

to keep them going?” Dr. Joseph Dearani, chairman of cardiac

surgery at the Mayo Clinic in Rochester,Minnesota, said a good gauge is whethertreatment would likely help patients livewell for at least another two years.

He said costs to the patient, their familyand society also should be weighed, so thattreatment is given to the right patients, and“for the most part, that happens.”

— AP

COACHE L L A VA L L E Y B E A CON — F E B RUA R Y 2 0 1 6 Say you saw it in the Beacon | Fitness & Health 7

TreatmentsFrom page 5

Colds and fluFrom page 6

REDUCE STRESS WITH TAI CHI A certified tai chi instructor guides a class in calm movements,breathing and relaxation to help reduce stress and improve bal-

ance and strength at 10 a.m. Wednesdays at the Comprehensive Cancer Centerat Desert Regional Medical Center. Cost is $5 per class. Students meet in the3rd floor East Conference Room, 1180 N. Indian Canyon Drive, Palm Springs.(800) 491-4990

BEACON BITS

Ongoing

Page 8: February 2016 | Coachella Valley Beacon

By Matthew PerroneApprovals for first-of-a-kind drugs climbed

last year, pushing the annual tally of newU.S. drugs to its highest level in 19 years.

The rising figures reflect an industry-wide focus on drugs for rare and hard-to-treat diseases, which often come withstreamlined reviews, extra patent protec-tions — and higher price tags.

The Food and Drug Administration ap-proved 45 drugs with never-before-sold in-gredients in 2015, edging past the previous

year’s tally of 41, which had been the high-est number since 1996.

FDA drug approvals are considered abarometer of industry innovation and thegovernment’s efficiency in reviewing newtherapies.

While the trend toward specialty medi-cines is good news for industry and pa-tients, it is likely to fuel the ongoing debateover rising prescription drug prices.

That issue has become a top concern forconsumers, a subject of congressional

scrutiny, and even an issue on the presiden-tial campaign trail. Democratic candidatesHillary Clinton and Bernie Sanders haveboth outlined proposals designed to curbdrug costs.

Many new drugs are priceyThe FDA is not allowed to consider

prices when approving medicines, thoughsome experts argue it should.

One of the most expensive drugs of theyear was Vertex Pharmaceuticals’ Orkambifor cystic fibrosis, priced at $259,000 for ayear’s supply. The drug improves lung func-tion in patients with the deadly inheritabledisease, which causes the buildup of stickymucus in the lungs, pancreas and other in-ternal organs.

Pfizer’s breast cancer drug, Ibrance, waspriced at $118,200 per year, which was typ-ical of new cancer drugs. Even some drugsfor more prevalent diseases came with highprice-tags: Bristol-Myers Squibb’s hepatitisC pill, Daklinza, costs $63,000 for a 12-weekregimen.

Analysts say drugmakers are getting bet-ter at picking the most promising drugs intheir research and development pipelines.Between 2007 and 2011, only one in 19drugs entering early-stage testing actuallyreached the market, according to industrydata analyzed by Bernstein’s Tim Ander-son. Today, one in 13 early-stage drugsmake it to market.

Rising numbers of new drugs pass muster8 Fitness & Health | More at TheBeaconNewspapers.com F E B RUA R Y 2 0 1 6 — CO ACHE L L A VA L L E Y B E A CON

See NEW DRUGS, page 11

ARE YOUR EYES UP TO PAR? Keck Medicine of USC Physicians will present a free talk on eyehealth from 5 to 7 p.m. Thursday, Feb. 25 at Indian Wells Country

Club, 46-000 Club Drive, Indian Wells. Keckmedicine.org

HIT THE TRAILS FOR CITY OF HOPE Easy to strenuous group hikes in the Indian Canyons on March 6will benefit the City of Hope. The 18th annual Hike4Hope opens at

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Page 9: February 2016 | Coachella Valley Beacon

COACHE L L A VA L L E Y B E A CON — F E B RUA R Y 2 0 1 6 Say you saw it in the Beacon | Fitness & Health 9

Along with tennis, Rosie Casalshas a passion for cars, which sheacquired the hard way:

“Growing up, we had an oldStudebaker that never started.The battery was bad. We lived ona hill, so I would let the car rolldown and pop the clutch to jump-start the car. Then I would drivearound the block and pick up mydad and go play tennis.”

Now she drives a sporty redMercedes 450SL. After the Stude-baker, she said, “I always wanteda car that would start.”

Rosie on wheelsshe still drives a Mercedes 450SL, only anewer version.

Climb to successAs children, Casals and her older sister

lived with their great uncle and aunt neardowntown San Francisco. She always re-ferred to them as her mom and dad. He wasa recreational tennis player who introducedher to the game and gave her lessons.

Casals recalls playing tennis at age eighton weekends when her dad drove her topublic courts at Golden Gate Park in SanFrancisco. She played singles, doubles andmixed, and learned by doing. It paid off:She was inducted into the Marin CountyHall of Fame in 1995, the International Ten-nis Hall of Fame in 1996 and the Bay AreaSports Hall of Fame in 2003. In between,she traveled the world playing tennis.

In 1964 at the Berkeley Tennis Club,

Casals met Billie Jean Moffitt (later, King),then a 20-year-old ranked Number 4 in theworld. It was a turning point in Casals’ life.Then 15, Casals marveled at King’s driveand world-class persona. Recognizing hertalent and skill, King asked Casals to playdoubles with her at Wimbledon in 1966. In1970 they would play together in the VirginiaSlims Tour. Altogether, 50 percent of Casals’doubles wins came while playing with King.

Her long singles career slowed downwith a knee injury after the age of 30. In1988 at the age of 39, Casals paired up withMartina Navratilova to win the last of her112 career doubles titles.

Although Casals no longer plays profes-sional tennis, she has stayed in the gamethrough her Sportswoman projects. “It’sgreat to find a purpose in your life, reasonsto get up in the morning and be some-where.”

For more information about Sports-woman, Inc. and its programs, email RosieCasals at [email protected]

Rosie CasalsFrom page 1

Highest World Singles Ranking: 3in 1970Grand Slam Record:WimbledonDoubles Champion 1967-68, 1969-71,

1973�

Mixed Doubles Champion 1970, 1972US OpenWomen’s Doubles Champion

1967, 1971, 1974, 1982�Mixed Doubles Champion 1975

(Source: Wikipedia)

Casals’ records

Page 10: February 2016 | Coachella Valley Beacon

10 Fitness & Health | More at TheBeaconNewspapers.com F E B RUA R Y 2 0 1 6 — CO ACHE L L A VA L L E Y B E A CON

Please patronize our advertisers.They keep the Beacon free!

Some of 2015’s new medications

Among the many interesting medica-tions recently approved by the FDA arethe following:Kybella (Deoxycholic Acid) — This

is known as the “double chin” drug, be-cause once injected, due to the fat-bust-ing bile acids that make up the drug, itimproves the appearance of unwanted fatunder the jawline. It’s like a chin tuckwithout the knife! Addyi (Flibanserin) — This pill sup-

posedly puts women “in the mood,” butsales are less than desirable for SproutPharmaceuticals, the makers of the newfemale lust drug.

Why do I think that? Consider thatover half a million men filled Viagra pre-scriptions its first month out, back in1998. Addyi is clearly not overwhelmingwomen, because it was prescribed only227 times during the first month.

Addyi targets dopamine and norepi-nephrine in the brain and it’s taken daily,so it’s really more like an expensive anti-depressant than a sex pill: it costs about$800 a month!Lenvima (Lenvatinib) — Taken by

mouth, this drug is used to treat toughcases of thyroid cancer. It was tested in392 participants with progressive thy-roid cancer that was unresponsive to ra-dioactive treatments. About 65 percentof the participants saw a reduction intumor size, compared to two percent inthose who received a placebo.

Lenvima’s side effects included heartproblems, hypertension, fatigue andbody aches, as well as swelling and prob-lems with your voice. Aristada (Aripiprazole lauroxil)—

This new injectable drug treats schizo-phrenia, severe depression and bipolardisease.

The FDA’s approval of this powerful an-tipsychotic was based, in part, on the effi-cacy data of a highly popular drug in thisclass called Abilify. Americans spent over$7.5 billion dollars for Abilify between Oc-tober 2013 and September 2014!

Aristada is a long-acting drug that ulti-mately becomes Abilify, after a few chemi-cal reactions inside your body. So Aristadacould be thought of as the parent drug.

— Suzy Cohen

Page 11: February 2016 | Coachella Valley Beacon

tips that can be done at home. Jazz guitaristTodd Ashley’s play was warmly welcomedby Expo guests. And emcee VJ Hume keptthe day’s program flowing.

Our Expo was made possible by oursponsors. We owe them special thanks. OurExpo was enhanced by support from a setof sponsors topped by Renova Solar. Otherunderwriters were: A & A Home Care Serv-ices, Cardiff Limousine & Transportation,Draper’s & Damon’s, Eisenhower MedicalCenter, K Hovnanian’s Four Seasons at

Terra Lago, Mizell Senior Center, NaturalChoice Hearing Solutions, Sky Valley Re-sorts, The Vein Doctor, Yamaha Golf Carsand Money Talk Radio.

We offer particular thanks to our loyalBeacon readers who joined us. It was apleasure to hear guests stop by our wel-come booth, point to copies of theCoachella Valley Beacon and say, “I readthis every month. It has information youcan’t find anywhere else.”

Each Expo gives us an opportunity tobetter serve the Valley’s 50+ residents. Welook forward to seeing you at our 4th an-nual Expo in 2017.

“These improvements hopefully reflectthe pay-off from the industry’s consciousdecade-long efforts to ‘turn around’ R&D,”Anderson told investors in a research notelast year.

But development takes longerStill, drugmakers continue to face R&D

challenges. Anderson notes that the overalltime to discover and develop one new drughas been rising for more than a decade,currently averaging about 14 years. The fig-ure was about 11 years in the late 1990s.The increased development time has beendriven by the growing complexity of drugtrials, and demands for more data from

health insurers. A separate report from Deloitte suggests

the largest pharma companies could learnfrom the R&D strategy of their mid-sizecompetitors, who tend to focus on a partic-ular family of diseases or conditions. Thesesmaller companies tend to have lower R&Dcosts and higher sales per product, accord-ing to Deloitte.

“Our analysis indicates that companieswho maintain a consistent therapy areafootprint are projected to deliver higherR&D returns,” the company stated.

Despite the difficulties of drug develop-ment, experts expect the approvals trend tocontinue. IMS Health predicts 225 newdrugs will be approved worldwide between2016 and 2020.

— AP

New drugsFrom page 8

COACHE L L A VA L L E Y B E A CON — F E B RUA R Y 2 0 1 6 Say you saw it in the Beacon | Fitness & Health 11

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Page 12: February 2016 | Coachella Valley Beacon

By Anne Kates SmithThere’s nothing like a market rout to re-

mind investors of the importance of follow-ing the tenets of sound investing. Thedeclines during January were doozies, mak-ing the start of 2016 a baptism by fire. In thefirst four trading days of the year, the DowJones industrial average racked up a loss ofnearly 1,000 points, or more than 5 percent.Selling continued to accelerate, and by Jan.20 was down nearly 10 percent for the year.

The impetus for the selloff here is afreefall in Chinese share prices, as investorsfret over just how sharply the world’s sec-ond largest economy is slowing. Add to thatconcerns about the course of Federal Re-serve action, saber-rattling between Iran

and Saudi Arabia, North Korean’s claim thatit has tested a hydrogen bomb, plunging oilprices, and the fact that the current bullmarket is nearly seven years old (making itthe third-longest since the Great Depres-sion), and you have all the ingredients for asignificant downturn.

The market mayhem is particularly wor-risome for retirees, who have less time tomake up for big market declines.

Here are some tips for how to survivethe current turmoil:

Don’t panicChina’s worries, strictly speaking, aren’t

ours, although what’s happening in Chinahas a ripple effect throughout the world

economy. China accounts for just 7 percentof U.S. exports, representing less than 1percent of our gross domestic product.

Kiplinger’s expects the U.S. economy toexpand by 2.7 percent this year, and ana-lysts expect earnings for U.S. companies torise by about 6 percent from 2015. Thoseare not the conditions for a severe and pro-tracted bear market.

Still, if what looks like a correction todayturns into a bear market tomorrow, don’t for-get one of the important lessons from thedevastating 2007-09 downturn, said financialplanner Cicily Maton, of Aequus WealthManagement Resources, in Chicago: “Evenin the worst of times, recoveries happenwithin a reasonable period.”

Remember, the headlines are not aboutyou. “What’s happening in the headlines isprobably not what’s happening in your per-sonal account,” said T. Rowe Price senior fi-nancial planner Judith Ward.

Retirees, especially, are likely to have ahealthy mix of bonds and cash in their ac-counts to temper stock-market declines.The market is not a monolith, and some ofyour stock holdings may buck the down-trend as well.

Look long-termEven retirees should have an investment

horizon long enough to weather this storm,or worse. In a retirement that can lastdecades, new retirees should keep 40 to 60percent of their assets in stocks, said T.Rowe Price. And because stocks stand up toinflation better over time than do bonds andcash, even 90-year-olds should keep at least20 percent of their assets in stocks.

Check your withdrawalsFight the urge to cut and run, and avoid

selling your depreciated stocks, if you can.Cut back on withdrawals from your portfolioto meet living expenses, especially if you’retaking out more than 4 to 5 percent annually,and consider deferring gifts, trips and otherdiscretionary expenditures until the marketstabilizes, said Anthony Ogorek, of OgorekWealth Management, in Williamsville, N.Y.

“You want to take as little from your assetsas possible,” said T. Rowe’s Ward. “This is agood time of year to plan your budget,” shesaid. “Maybe this year you don’t have totreat for a family-reunion cruise.” Recall that

How to react to the stock market selloff

See STOCK MARKET, page 14

12 More at TheBeaconNewspapers.com F E B RUA R Y 2 0 1 6 — CO ACHE L L A VA L L E Y B E A CON

Money Jane Bryant Quinn’s new book offers adviceon preserving your nest egg. See review onpage 15.

Law &

Page 13: February 2016 | Coachella Valley Beacon

By Kevin McCormallyIt’s a watershed year for the baby boom

generation. In 2016, the first of the boomers— those born in the first half of 1946 — willreach age 70 1/2. Their present from UncleSam is a demand that they begin withdrawingfunds from their traditional individual retire-ment accounts (IRAs) and employer-spon-sored retirement plans, such as 401(k)s.

If you’re among those at the head ofthis parade, you need to know the ins andouts of required minimum distributions(RMDs). If your parents or grandparentsare the ones moving into RMD-land, dothem a favor and share this with them.

The RMD calendarIf your 70th birthday falls between Jan. 1

and June 30, you’ll turn 70 1/2 in 2016, andyou must take your first required distribu-tion from your traditional IRAs. If yourbirthday is July 1 or later, your first RMDwill come in 2017.

Generally, you must take RMDs by Dec.31, but first-timers can wait to take their ini-tial payout until as late as April 1 of the fol-lowing year. So if you reach 70 1/2 in 2016,you can postpone your first withdrawal until2017. But doing so means you’ll have totake two distributions in 2017.

Be sure to check whether that couldpush you into a higher tax bracket, cause

more of your Social Security benefits to betaxed, or subject you to the Medicare high-income surcharge a couple of years later.

Note: The RMD rules do not apply tooriginal owners of Roth IRAs. Because thegovernment doesn’t get to tax Roth with-drawals, it doesn’t care whether you everwithdraw that money (although your heirsmust take withdrawals).

Pinpoint how much to withdrawYou don’t need a computer or a degree

in accounting to figure out how much youmust withdraw from your IRAs. First, findthe 2015 year-end balance of every tradi-tional IRA you own. Second, add them to-gether. Third, divide the total by a factorprovided by an IRS table that’s based onyour age and life expectancy.

For most IRA owners who turn 70 1/2 in2016, the divisor is 27.4. So, for example, ifyour IRAs held a total of $500,000 at the endof 2015, your RMD for 2016 is $18,248. AnIRA owner whose spouse is more than 10years younger and the sole beneficiary ofthe account must use a different, larger fac-tor.

Once you know how much you mustwithdraw from your IRAs, you can choosewhich accounts to tap. You can withdrawthe total RMD from a single IRA, or spreadthe withdrawal over several accounts.

Slightly different 401(k) rulesReaching age 70 1/2 also triggers required

distributions for most 401(k) owners. But therules aren’t exactly the same as for IRAs.

First, if you have more than one workplaceretirement plan, you must figure the RMDfor each account (based on the same life-ex-pectancy factor that applies to IRAs), thenwithdraw separate RMDs from each account.

You can’t pick and choose which account totap, as you can with IRAs. If you’re still work-ing at 70 1/2 (and you don’t own 5 percent or

more of the company), you can delay yourfirst RMD until the year you stop working.

Most RMDs are taken in cash, but theydon’t have to be. If you own stock or mutualfund shares you’d like to hold on to, for ex-ample, you can have the shares transferredto a taxable account. As long as the value ofthis in-kind distribution equals your RMD,you’ll be square with the IRS.

You’ll owe tax on the shares you transfer,

All about required minimum distributionsCOACHE L L A VA L L E Y B E A CON — F E B RUA R Y 2 0 1 6 Say you saw it in the Beacon | Law & Money 13

See RMDs, page 14

Page 14: February 2016 | Coachella Valley Beacon

you have until the end of the year to take re-quired minimum distributions from your re-tirement account if you are 70½ or older.

Review your allocationIf you’ve been regularly rebalancing your

portfolio, you’ve already been cutting back onstocks periodically over the past few years.Now is a particularly good time to revisit yourinvestment mix and make sure that it is con-

sistent with your tolerance for risk. “We always tell clients to use downturns

like this as a bellwether,” said Maton. “Noone should lose sleep over what’s happen-ing in the stock market. If they are, thenthey’re over-exposed.”

Make sure you’re diversified. Investorswho’d planned to dump bond holdings inanticipation of higher interest rates just gota good lesson in how bonds, especiallyhigh-quality government issues, can pro-vide ballast in a portfolio.

Since the start of the year, the yield on thebenchmark 10-year Treasury bond droppedfrom 2.27 percent to 2.02 percent in the first20 days of the year. Because bond prices andinterest rates move in opposite directions,

iShares 7-10 Year Treasury Bond ETF (IEF,$108.58), an exchange-traded fund thattracks intermediate-term Treasuries, hasclimbed 1.3 percent.

In general, investors should own a mix ofdomestic and foreign bonds, U.S. and over-seas stocks, and within the stock allocation,a variety of market sectors. No one sectorshould claim more than 5 to 10 percent ofyour holdings, said Ward.

Stick with high-quality holdingsThis is no time to speculate. Look for com-

panies with dependable earnings, impeccablebalance sheets and healthy dividends, or

Stock marketFrom page 12

14 Law & Money | More at TheBeaconNewspapers.com F E B RUA R Y 2 0 1 6 — CO ACHE L L A VA L L E Y B E A CON

just as if you had withdrawn cash. But yourtax basis in the transferred securities — theamount you’ll use to determine the gain orloss when you ultimately sell them — will bethe market value on the date of the transfer.

An in-kind distribution might make senseif, say, you own shares that have fallen invalue but that you expect to recover. If youkeep the shares in an IRA, any increase invalue will be taxed in your top tax bracketwhen you ultimately pull the money out ofthe IRA. But if you move the shares to a tax-able account and hold them for more than ayear, any post-transfer appreciation will betreated as a tax-favored long-term capitalgain, with a tax rate as low as 0 percent, de-pending on your other income.

Tax considerationsMost payouts from traditional IRAs are

fully taxed in the year you withdraw them.But it’s clear from the tax form that that’s notalways the case. If you have ever made anondeductible contribution to your IRA, thenpart of every withdrawal will be tax-free.

That’s the good news. The bad news isthat it’s up to you — not the IRS or the IRAsponsor — to know what’s what. Youshould have filed a Form 8606 with your taxreturn for each year you made a nonde-ductible contribution, and the most recentversion should show the total of all yournondeductible contributions (minus anypart that has been withdrawn).

That amount is your basis in your IRA,and you need to figure the ratio of the basisto the total in all your traditional IRAs. Ifyour basis is 5 percent of the total, for ex-ample, then 5 percent of your withdrawalwill be tax-free.

As a general rule, an IRA sponsor willwithhold 10 percent of your payout as taxesto be sent to the IRS. But, unlike tax with-holding on wages, this payment is com-pletely voluntary. If you want to blockwithholding — or have more than 10 per-cent withheld — simply tell your IRA spon-sor at the time you request the distribution.

Withholding tax on your RMD may sim-plify your life if it permits you to avoid mak-ing quarterly estimated tax paymentsduring the year. Some IRA owners, in fact,use large withholdings from late-in-the-year

RMDs to cover their tax bill on both theIRA payout and investment earnings. Suchwithholding can protect you from an under-payment penalty because withholding isconsidered paid evenly through the year,even if it comes in late December.

If you are withdrawing your RMD viamonthly or quarterly payments from theIRA, you may need to file a Form W-4P withthe sponsor to either block withholding ordetermine the amount to be withheld. Ifyour state has an income tax, be sure tocheck on your state’s rules about tax with-holding on IRA payouts.

What about penalties?One of our tax laws’ most draconian

penalties is reserved for those who fail totake as much out of their IRAs as the RMDrules demand. The penalty is equal to 50percent of the amount you failed to with-draw. It’s as though Uncle Sam were sayingthat, if you don’t want the money, he will behappy to take it off your hands.

If you miss the RMD deadline, though,don’t automatically send a check to the IRS.The agency can, and often does, waive thepenalty for taxpayers who have a good ex-

cuse — such as getting lousy advice from atax preparer or IRA sponsor, or becoming se-riously ill just before year-end when you hadplanned to make the required withdrawal.

If you think you have a good excuse, theIRS will review your case before makingyou pay the penalty. First, though, get therequired amount out of your IRA as soon aspossible, to show good faith. Then, figurethe penalty on Form 5329, but don’t send acheck. Instead, attach a statement to theform explaining why you failed to meet thedeadline. If the IRS agrees that your re-quest for a waiver is reasonable, you’reokay. Otherwise, you’ll get a bill.

Remember, the M in RMD stands forminimum. You can always take more out ofyour IRA than the RMD demands (althoughyou’re probably best off leaving the moneyin the tax shelter until you need it).

And there is no requirement that youspend the money once it comes out of theaccount. You have to pay tax on the distri-bution, yes, but you can immediately rein-vest it in a taxable investment account.All contents © 2016 the Kiplinger Wash-

ington Editors, Inc. Distributed by TribuneContent Agency, LLC.

RMDsFrom page 13

See STOCK MARKET, page 15

Page 15: February 2016 | Coachella Valley Beacon

funds that invest in such companies. Vanguard Dividend Growth (VDIGX), a

member of the Kiplinger 25 list of great no-load mutual funds, delivers steady returnswith below-average volatility by focusing oncompanies with low debt, high profitabilityand a consistent history of raising divi-dends. PowerShares S&P 500 High QualityPortfolio (SPHQ, $21.55) is a good choice

for ETF investors. Opportunistic investors can use market

volatility to think about buying quality stockson the cheap. One such stock is Apple (AAPL,$99.85), which has dropped 24 percent fromits record high because of worries about slow-ing iPhone sales. Apple’s shares sell for just10 times estimated earnings for the fiscal yearthat ends in September.All contents © 2016 the Kiplinger Wash-

ington Editors, Inc. Distributed by TribuneContent Agency, LLC.

Making your money last through retire-ment is harder than it used to be. We areliving much longer, the rate of return forconservative investments isvery low, and there is a greatdeal of volatility in the stockand bond markets.

An excellent guide to helpyou reach your objectives isJane Bryant Quinn’s new book,How to Make Your Money Last(Simon and Schuster). Like herother books, this one is up todate, well researched, compre-hensive and understandable.

Quinn assembles the wis-dom of many reliable sources:Ed Slott (retirement plans),Michael Kitces (investment withdrawals),Moshe Milevsky (annuities), James Hunt(insurance), William Bernstein (invest-ments), and the authors of Get What’s Yours(Social Security).

Here are some highlights:• Social Security: Quinn discusses

optimal claiming strategies for individuals,spouses, ex-spouses, widow(er)s and dis-abled workers — including the pros andcons of filing early and waiting until 70 tofile for benefits. These are among the most

confusing choices facing retirees, andQuinn gives a solid grounding.

• Health insurance: Quinn coversthe fundamentals of Medicare,and offers sound advice. Forexample, if you use Part D(drug plan), you should shopfor a new plan at every openenrollment period. Plans con-tinually raise and lower theirdrug prices. By checking theprices of the drugs you expectto use in the next year, you candetermine which plan is bestfor you.

There is an excellent sectionon long-term care (LTC) insur-ance. Quinn points out that one

of the problems in this industry is that somecompanies sometimes raise premiums by 10to 20 percent. However, she identified threecompanies — Mass Mutual, New York Lifeand Northwestern Mutual — that have neverraised prices to existing policyholders. Sherecommends that you don’t spend more than5 percent of your retirement income on LTCpremiums.

• Your home: Quinn discusses manyoptions, such as downsizing, renting ratherthan buying a house, and continuing-care

retirement communities. On reverse mortgages, a controversial

topic among personal finance writers, she ad-mits she’s changed her mind. She used tothink they entailed more risk than reward,but she acknowledges that the recent federalregulations have diminished the risk, and that“new cash-flow strategies make them inter-esting for people in their early 60s and 70s.”

This refers to the effective use of a HomeEquity Conversion Mortgage (HECM). Ifyou apply for an HECM but don’t immedi-ately use it, the amount of available creditgrows each year. (If you do consider a re-verse mortgage, you must comparisonshop. Some lenders offer them with low orno closing costs.)

• Retirement spending: Is a 4 per-cent withdrawal rate safe? In order to main-tain even a relatively low withdrawal rate,you need to devote a significant percentageof your portfolio to equities.

Quinn lists a wide variety of excellent

sources you can use to help you structure aworkable portfolio of equities and bonds in re-tirement, as well as tools to determine whento modify your withdrawal rate so your assetswill last through retirement.

• Annuities: Quinn points out, as Ihave in many of my columns, that immedi-ate-pay annuities (aka SPIAs), which guar-antee lifetime income, are easy tounderstand and are cost-effective. Her ex-cellent advice: When you consider annu-ities, use an adviser — “not a salesperson”— when you seek advice.

• Investing for income: This chapterprovides many common-sense approachesin order to structure a well-balanced portfo-lio, avoid risky alternatives, re-balance reg-ularly, and avoid costly alternatives.

Quinn’s book will help you make reason-able choices in every important aspect ofretirement planning.© 2016 Elliot Raphaelson. Distributed by

Tribune Content Agency, LLC.

Quinn on how to preserve your nest egg

THE SAVINGSGAMEBy Elliot Raphaelson

COACHE L L A VA L L E Y B E A CON — F E B RUA R Y 2 0 1 6 Say you saw it in the Beacon | Law & Money 15

Stock marketFrom page 14

Page 16: February 2016 | Coachella Valley Beacon

By Glenda C. BoothA mother hen and her three chicks were

hell-bent on crossing the street, so Istepped out and stopped the traffic on themain drag that slices down the middle ofKey West, Fla. Roosters crowed nearby.

No one seemed to notice. Chickens androosters in the middle of town? Key Westmarches to its own drum.

Chickens, roosters, six-toed cats, owlbutterflies, conches, frigatebirds, and sootyterns. There’s definitely wildlife, at thesesouthernmost points of the U.S.

But in Key West, the most salient featureis the wild life. Quirky, freewheeling, irrever-ent Key West, where U.S. 1 ends and begins,

“is the greatest of all the end-of-the-roadtowns,” wrote the late Charles Kuralt in his1995 book, America.

“This assures its lack of decorum,” Ku-ralt wrote. “The island is full of dreamers,drifters and dropouts, spongers and idlersand barflies, writers and fishermen, is-landers from the Caribbean and gays fromthe big cities, painters and pensioners,treasure hunters, real estate speculators,smugglers, runaways, old Conchs andyoung lovers.”

Diversions galoreOn this tropical island of coral rock 1.5

miles wide and four miles long, also known

as “Key Weird,” bars buzz at 11 a.m., t-shirts broadcast brash messages, and“Margaritaville” blasts out of storefronts.

A dessert restaurant, Better Than Sex,promises “the most decadent sweet dining

experience,” offering Tongue Bath Truffleand Kinky Key West Cream Pie.

Over the years, the town’s laid-back, bo-

16 More at TheBeaconNewspapers.com F E B RUA R Y 2 0 1 6 — CO ACHE L L A VA L L E Y B E A CON

TravelLeisure &

Dry Tortugas National Park, 70 mileswest of Key West, has a Civil War fortand a variety of exotic birds. See storyon page 19.

We need yourhelp to finish the fight.

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This Key West home, where Ernest Hemingway wrote such books as A Farewell toArms in the 1930s, is now a museum that features his typewriter and other me-mentos, along with numerous descendents of the writer’s six-toed cats.

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Exploring Key West’s wildlife and wild life

See KEY WEST, page 17

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hemian persona lured notables like ErnestHemingway, Tennessee Williams and JohnJames Audubon, plus pirates, shipwrecksalvagers, Cuban refugees and more. Cubais 90 miles away; Miami, 150.

Even the town’s above-ground cemetery,built in 1847 at the island’s highest point (18feet), has its quirky side. One headstonesays, “I told you I was sick.” Another, “NowI know where he is sleeping at night.”

Strolling the streets is a favorite pastime.At all hours, there’s a parade of eccentrics— from the well off to the struggling, in-cluding hippies, oddballs, wayward youthand vacationers.

On the “Duval crawl,” the 15-block as-phalt ribbon between the Gulf of Mexicoand the Atlantic Ocean, there are 66 bars,including Ernest Hemingway’s hangout,Sloppy Joe’s.

Also known as Key West’s BourbonStreet, Duval is the route traveled by zom-bie parades, naked bike races, and thebiggest blowout of all, October’s FantasyFest. This year’s theme is “Political Voodooand Ballot Box Barbarians.”

At the daily sunset street party in Mal-lory Square, aspiring acrobats, magicians,buskers and fire jugglers perform for free.Key Westers brag that the morning sunrises like a fireball over the ocean and meltsinto the ocean at twilight.

Hemingway and Truman homes Beyond the ubiquitous hawkers of tacky

souvenirs and garish T-shirts, Key Westhas some small-town charm and intriguingnuggets, including 3,000 historic struc-

tures. Many houses combine classical NewEngland with Bahamian features like wrap-around porches.

Victorian and pre-Victorian homes haveelaborate lattice work. The second floorporch of the “eyebrow houses” covers win-dows to keep houses cool.

The steamy island environment inspiredErnest Hemingway in the 1930s to pen nov-els like A Farewell to Arms and Death in theAfternoon. At what’s today called the Hem-ingway House, “the spirit moved him,” tourguides maintain.

The two-story, Spanish colonial homeand carriage house-studio featuring hisRoyal typewriter are preserved a la Papa.Descendants of his six-toed cats meanderthrough the gardens.

The lighthouse across the street, built in1846, perhaps helped “befuddled” Ernestfind his way home from Sloppy Joe’s. It of-fers great views at the top of its 88 steps.

C O ACHE L L A VA L L E Y B E A CON — F E B RUA R Y 2 0 1 6 Say you saw it in the Beacon | Leisure & Travel 17

Key WestFrom page 16 Please tell our advertisers,

“I saw you in the Beacon!”

See KEY WEST, page 18

INDIGENOUS FILMFESTIVALSome of the best

short films available from NativeAmerican and other Indigenous film-makers will shown from 6-7:30 p.m.Wednesday, Feb. 24 at the PalmSprings Public Library, 300 S. SunriseWay. The Short Films by Native Amer-icans program is free. [email protected], (760) 833-8169

INCOME TAX FILING ASSISTANCE Free help filling out

2016 Internal Revenue Service formswill be offered by AARP representa-tives through April 13 at the IndioSenior Center. Appointments are amust at (760) 391-4170. Filersshould bring a valid photo ID and So-cial Security number, a copy of their2014 return, W2’s and 1099’s for2015 income, SSA 1099 for SocialSecurity income and investment in-come statements. The center is at45-700 Aladdin St., Indio. Indio.org

BEACON BITS

Feb. 24

Ongoing

AllAges

Page 18: February 2016 | Coachella Valley Beacon

Another famous home is the Little WhiteHouse, where President Harry Trumanand wife Bess escaped from the Washing-ton White House — a mansion the presi-dent called “the big white jail.”

On a 45-minute tour of this Bahamian-style home, guides explain that 85 to 90 per-cent of the furniture is authentic, such asthe fold-up poker table Bess commissionedso she could disguise Harry’s favoriteamusement.

Truman, visitors learn, was dubbed the“uncommon common man.” Reporterscalled him, “Truman, the human.” Six pres-idents have stayed there.

A respite from the town’s frenzy is theAudubon House and Tropical Gardens,built between 1846 and 1859. Today it show-cases 28 first-edition, hand-colored litho-graphs and engravings of 22 birds,exquisitely done by John James Audubon.

Examples: roseate spoonbill, sooty tern,and brown pelican.

Another de-stressor is the Butterfly andNature Conservatory. Around 60 butterflyspecies from around the world flutteramong a garden of flowering plants. Theyare captive bred in the tropics on their na-tive host plants, not collected from the wild.

You might see the world’s largest — theowl butterfly, with an eleven-inch wingspan— and what looks like an eight-winged but-terfly. It’s actually a breeding pair, coupling.

Elsewhere on Key West, opportunitiesabound to sunbathe, swim, snorkel, sail,fish, golf, or simply do nothing.

While seafood — fish, conch, crab,shrimp, lobster — is prominent on menus,eating in Key West is a diverse fusion ofstyles and tastes. Many delight in theCuban dishes, like roast pork, black beansand rice, arroz con pollo, and boliche, abeef-sausage dish.

Tropical fruits like mangos, papayas andcoconuts are easy to come by. Serious food-

ies stress that true Key lime pie uses onlyKey limes, Eagle brand sweetened con-

densed milk, and a pastry crust, not gra-ham cracker. Oh, and it is yellow; nevergreen.

While enjoying patio dining, you mightfind chickens or roosters pecking aroundyour feet. It’s all part of Key West’s egg-cen-tric charm.

For a full range of lodging, dining and ac-tivities information, including coming events,visit www.fla-keys.com. (Flakey, get it?)

You can fly directly to Key West, or fly toMiami and then drive or take the KeysShuttle, Keys Express Shuttle, Key Westbus, or Greyhound bus. Currently, the low-est round-trip fare from Palm Springs toKey West is $723 on American Airlines inmid-March and $499 on United to Miami.

18 Leisure & Travel | More at TheBeaconNewspapers.com F E B RUA R Y 2 0 1 6 — CO ACHE L L A VA L L E Y B E A CON

Key West visitors can enjoy glorious sunsets over the Gulf of Mexico, this oneviewed from the southernmost point in the keys. A daily sunset party in MallorySquare includes acrobats, magicians and other performers.

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Key WestFrom page 17

UNDERSTANDING EARTHQUAKES A free lecture illus-

trated with slides and animations onthe creation of the San Andreas Faultand the topography of the west willhelp explain earthquakes and how toprepare for them. It is set for 1 to 3p.m. Saturday, Feb. 20 at the SantaRosa & San Jacinto Mountains Na-tional Monument Visitor Center, 51-500 Highway 74, Palm Desert. RSVPat DesertMountains.org or (760)862-9984.

DOCTORS TO SHOWMUSICAL TALENTS Classical music and

jazz favorites will fill the programSunday, Feb. 28 when Doctors of theDesert play and sing in a concert tobenefit the Steinway Society at 3p.m. at the Classic Club, 72-500Classic Club Blvd. Palm Desert. Per-formers include: physicians JudithZacher, Suzanne Quardt, Eric Fox,Anthony Bassanelli, RainierBergmann, Scott Aaronson, and LisaLindley. A hors d’oeuvre and cocktailreception follows the concert. Seatsare $65. SteinwayRiverside.org,(760) 341-4130

BEACON BITS

Feb. 20

Feb. 28

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By Glenda C. BoothSeventy miles west of Key West is the

“flip side” of that raucous isle — the slow-paced, undeveloped, near-quiet Dry Tortu-gas National Park, a seven-island cluster ofcoral reefs and sand.

This 100-square-mile park gets its namefrom the sea turtles that greeted Ponce deLeon in 1513, and from the absence of freshwater, hence “dry.” Visitors go for a Civil Warprison, coral reefs, birds and shipwrecks.

It may be dry, but there’s life there. Theislands have sea grapes and trees like thePortia tree, Geiger tree, buttonwood, datepalms, and coconut palms. Floridians jokethat the gumbo limbo tree is “the touristtree” because its red peeling bark remindsthem of naive tourists who end up with sun-burned, peeling skin.

Birders delight in species rarely seennorth of Florida. Between March and Sep-tember, 100,000 sooty terns nest on the is-lands, joined by 10,000 brown noddies andothers. Magnificent frigate birds with eight-foot wingspans soar like hang gliders.

Fort Jefferson, built between 1845 and1876 but never finished, stands as an exam-ple of 19th century masonry fortification.Located on Garden Key and armed witheight-foot thick walls, the fort helped pro-tect ship traffic and patrol the Gulf of Mex-ico and the Straits of Florida.

The Union Army held 800 prisoners inthe fort in 1864. The most famous wasMarylander Dr. Samuel Mudd, who set theleg of President Lincoln’s assassin, JohnWilkes Booth. Imprisoned for being a “con-spirator,” Mudd also helped treat yellowfever patients while he was there. PresidentAndrew Johnson pardoned him in 1869.

Visitors can visit Dr. Mudd’s cell, fromwhich he wrote his wife, “After every rain, ourquarters leak terribly, and it’s not unusual todip up from the floor 10 and 12 large bucketsof water daily.” Visitors can see the officers’quarters, barracks, magazines and cannons.

The Dry Tortugas offer adventuroussnorkeling because of numerous ship-wrecks, including the Norwegian Windjam-mer wreck, a ship also called Avanti, whichsank in 1907. Coral reefs and sea grassesare home to creatures like stingrays, thequeen conch, and brain coral.

For travel and other information, visitwww.nps.gov/drto and www.drytortu-gas.com. Day trips from Key West are themost practical option via ferry, the YankeeFreedom. Day trip rates, which include atour, breakfast and lunch, are $165 forthose 62 and older, $175 for other adults.Call 1-800-634-0939.

Beware: There are no restrooms, snackbars, or lodging (except camping) on the is-lands.

C O ACHE L L A VA L L E Y B E A CON — F E B RUA R Y 2 0 1 6 Say you saw it in the Beacon | Leisure & Travel 19

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West of Key West — Dry Tortugas Park

Dry Tortugas National Park features the 19th century Fort Jefferson, once used toprotect ship traffic and patrol the Gulf of Mexico. During the Civil War, it housedabout 800 Confederate soldiers, including Dr. Samuel Mudd, who set the leg ofPresident Lincoln’s assassin, John Wilkes Booth.

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THREE STRIKES AND YOU’RE IN Senior Advocates of the Desert will host its 4th annual bowlingfundraiser Saturday, March 5 at Palm Springs Lanes, 68-051

Ramon Road, Cathedral City. Games start at 12:30 p.m. Cost is $30. Saotd.org,(760) 202-1024

BEACON BITS

Mar. 5

Page 20: February 2016 | Coachella Valley Beacon

By Jorie ParrIt was an awful weather day back in 1988.

“Trees were uprooted. Missiles were flyingthrough the air at the old Canyon CountryClub,” said Nelda Linsk, who noted herwhite leather outfit from Saks Fifth Avenueturned brown from the sand.

“They canceled the golf, but the fashionshow went on. Maybe 300 women showedup…it’s about 500 now.”

It’s been relatively fair weather sincethen for the Barbara Sinatra Fashion ShowLuncheon, a major valley social event, com-ing up Feb. 19 at Fantasy Springs ResortCasino in Indio. The reception and reviewwith silent auction, furs and jewelry, startsat 11 a.m. At noon the smartly attired atten-

dees gather in the special events center forlunch and the fashion parade.

Like Fe Zandi and Troy in previous years,another elegant El Paseo boutique providesthe apparel, Grayse. The designers are themother/daughter team of Marie and KellyGray of St. Johns Knits fame. Grayse offersless serious clothes than their former labelbut maintains the tradition of superb fabricsand careful construction.

The Grays are handing out $100 gift cer-tificates, and for a wow finish, the door prizewill be a Grayse outfit.

All for the childrenThe fashion show luncheon originated as

something for wives to do during the Frank

Sinatra Celebrity Invitational Golf Tourna-ment weekend (this year Feb. 18-21). Butnowadays it’s spread beyond golf widows.And it serves such a good cause, benefitingthe Barbara Sinatra Center for AbusedChildren.

Barbara Sinatra lends more than hername to the project; she’s a hands-onleader. Over the phone she proudly spokeof the center “doing really good work, right

Arts &Style The Jewish Federation presents “Bachto Broadway” on March 21 featuringcellist Gabriel Schwabe. See story onpage 22.

20 More at TheBeaconNewspapers.com F E B RUA R Y 2 0 1 6 — CO ACHE L L A VA L L E Y B E A CON

Inside the Sinatra fashion show luncheon

Nelda Linsk, a close pal of BarbaraSinatra, has been the voice of the fash-ion show at the Frank Sinatra CelebrityInvitational Golf Tournament since itslaunch in 1988.

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from the beginning.”Back when it started in 1986, it was just for

girls; now boys are included. And lately “we’vestarted a garden — they tend it. There arecooking classes, self-improvement classes.”

What about the late Frank Sinatra? “Oh,he was behind me all the way. It’s a greatasset — when your husband backs youwith a wonderful idea.”

She also commended her friend of a half-century, Linsk, who is a children’s centerboard member and the mistress of cere-monies for the fashion show. “Nelda is myright arm.”

Before the phone conversation, the tworegal blondes had just returned from visit-ing Grayse. Linsk’s outfits for the fashionshow and gala (Feb. 20) weren’t settled yet.But she indicated that Sinatra had been fit-ted for a lovely cream ensemble for the mid-day event. “A mock-turtleneck top and pant,(of fabric) so soft, with such a sheen.” Per-fect, “and with her jewelry.”

Cappucino with Nelda“Aren’t you tired of me yet?” That’s the

question Linsk asks the fashion show audi-ence she’s been addressing for 28 straightyears.

No, they are not.Over coffee at Ristretto in Palm Springs,

the Beacon chatted with the prominent real

estate agent about the fashion show. And ofcourse no conversation with her would becomplete without bringing up the iconic 1970Slim Aarons photograph, “Poolside Gossip,”in which she is pictured. For your informa-tion, its onetime model, with bright blue eyes,bright white teeth, remains fairly exquisite.

Famous repeat guests to the fashionshow include Robert Wagner and spouse JillSt. John – “She was our first aunt” — refer-ring to supporters of the children’s center.

Linsk is happy about the Grayse linebeing featured this time around. A longtimefan, she has a closetful of St. John Knits,and remembers way back when thefounder, Marie St.John Gray, was “weavingyarn in her garage.”

Linsk knows fashionShe started as a model, then fashion di-

rector for a department store in CorpusChristi. (If you listen carefully you cansense a Texas accent.) Linsk went on toMemphis and then New York as a designerfor Betty Barclay, a junior dress firm. Shecovered collections in Paris, buying selec-tions in her size. “I had lots of perks.”

She hopped around the nation as BettyBarclay, that’s what they called her, compul-sive about her appointments. One timewhen flights were cancelled in a storm, shechartered an airplane and made it to LasVegas. “I wouldn’t do that now,” she said.

Oh yes, and she married the boss, JoeLinsk, moved to Palm Springs and continued

the glamorous life. They livedin the Nuetra-designed Kauf-mann house. They staged fash-ion shows around the pool,crowned by the couturier of themoment, Emilio Pucci himself.

“Oh I had everything hemade. The models had color-matched wigs. There wereChianti umbrellas everywhere.The Italian ambassador camefrom L.A,” Linsk recalled.

And then one day SlimAarons showed up with a cam-era and tripod, no entourage,ready to shoot mid-mod history.As for the other women in thescene, they died last year. HelenDzo Dzo on Feb. 12, Lita Baronon Dec. 17. Nelda, it seems, is unstoppable.

One last thing about that incredibly fa-

mous Palm Springs ultimate photograph.The inexplicable question many people askNelda Linsk: “Have you seen it?”

C O ACHE L L A VA L L E Y B E A CON — F E B RUA R Y 2 0 1 6 Say you saw it in the Beacon | Arts & Style 21

Fashion showFrom page 20

Barbara Sinatra welcomes guests to the 2015 fash-ion show at the Frank Sinatra Celebrity Invitational,an event that benefits the center for abused childrenshe and her late husband founded in Rancho Mirage.

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By Madeline ZuckermanJewish Federation of the Desert, head-

quartered in Rancho Mirage, will once

again present an evening of Israeli musicalentertainment and culture for the commu-nity when it presents “Bach to Broadway”

on March 21 from 7 to 9 p.m. This two-part concert will be performed

at the Indian Wells Theatre on the PalmDesert campus of Cal State San Bernardino,and will feature the artistry of four Israeliperformers, including Asi Matathias on vio-lin, Victor Stanislavsky on piano, GabrielSchwabe on cello, and Singer Omer Shaish.

A program of classical music will be per-formed by Matathias and Stanislavsky in thefirst segment, followed by a mix of Sinatra,Broadway, and Yiddish music performed bySchwabe and Shaish in the second segment.

“When we hosted this event last year toshowcase the amazing talent of theseyoung Israeli artists, we had an overwhelm-ing response and interest from the commu-nity,” said Bruce Landgarten, CEO ofJewish Federation of the Desert. “We aredelighted to be able to bring these perform-ers back again to our Coachella Valley to

showcase their musical expertise.”Media sponsors include Coachella Valley

Beacon, Valley Woman, Palm Springs Life,Money Radio 1200, and Team 1010 KXPS.

The Jewish Federation of the Desertworks with hundreds of local, national, andinternational partner agencies to transformlives and deliver hope, dignity, and comfortto thousands of people here, in Israel, andaround the world.

For 75 years, the America-Israel CulturalFoundation has played a leading role in thedevelopment of Israel’s arts and culture.The foundation has been cultivating Israel’sfuture artistic leaders by identifying andnurturing Israel’s top emerging artists andfurthering their education and careersthrough scholarships and grants.

Tickets are $36, and seating is on a first-come, first-serve basis. (760) 324-4737,www.jfedps.org

Jewish federation to host Bach to Broadway22 Arts & Style | More at TheBeaconNewspapers.com F E B RUA R Y 2 0 1 6 — CO ACHE L L A VA L L E Y B E A CON

California Mentor is seeking adult foster families with a spare bedroom to support an individual with special needs. Receive a generous monthly stipend and ongoing support.

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SIP WINE ON THE LAWN TO BENEFIT CHARITIESThe Gardens on El Paseo annual concert series that raises moneyfor Coachella Valley charities has shows set for 5 p.m. Saturdays

Feb. 20 and 27. The one-hour concerts take place at 5 p.m. on the Center Lawnat the Gardens on El Paseo, Palm Desert. Tickets are $15 and include twoglasses of wine and light food. Desert Sol plays on Feb. 20 and the John StanleyKing Band on Feb. 27. Thegardensonelpaseo.com

BEACON BITS

Feb. 20+

Page 23: February 2016 | Coachella Valley Beacon

COACHE L L A VA L L E Y B E A CON — F E B RUA R Y 2 0 1 6 Say you saw it in the Beacon | Arts & Style 23

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24 More at TheBeaconNewspapers.com F E B R U A R Y 2 0 1 6 — C O A C H E L L A VA L L E Y B E A C O N

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