Q: How does Social Security define full retirement age (FRA) and how much are the benefits reduced if I apply before my FRA?

A: The FRA is 66 for workers born between 1943 and 1954. The FRA increases by two months per year after 1954 till the maximum age of 67. If you were born in 1957, then your FRA is 66 and 6 months. Anyone born after 1959 has an FRA of 67. A worker receiving benefits at 62 will get a 25% or 30% benefit reduction depending on the FRA of 66 or 67.

Q: Can I receive a tax refund if I am currently making payments under an installment agreement or payment plan for a prior year’s federal taxes?

A: No, as a condition of your installment agreement, any refund due to you in a future year will be applied against the amount that you owe. Regardless of whether you are participating in an installment agreement or payment plan with the IRS, you may not get all of your refund if you owe certain past-due amounts, such as federal tax, state tax, a student loan or child support.

Q: What is the difference of taking Social Security benefits at age 62, at your FRA or at age 70?

A: I will assume that you were born after 1959 and your FRA is 67. If you were to receive $2,000 per month at FRA and you started your benefits early at age 62, then your reduced benefits would be 30% lower at $1,400 per month. If you waited till age 70, your monthly benefits would increase by 24% to $2,480. Additionally, any year that benefits increase due to an inflation adjustment, your benefits will be adjusted.

Q: An insurance agent is trying to sell me an annuity, but I am not comfortable with this investment. What is an annuity?

A: If you are uncomfortable with any investment, never invest. An annuity is a contract between you and an insurance company. A fixed annuity pays a fixed rate of interest for a specific period of time and a variable annuity allows you to select investments with your return based on the investment performance. Annuities are not CD substitutes and are not life insurance policies. Annuities are expensive due to the layers of fees (management, administrative and mortality). Additionally, if you cancel the annuity early, you will pay a surrender charge. A glaring disadvantage of variable annuities is the gains are taxed at ordinary rates and do not receive any favorable tax treatment.

Q: What is the five-year rule for Roth IRAs?

A: You cannot take out the earnings of a Roth IRA on a tax-free basis unless the Roth is five years old and you are older than 59 1/2. The IRS defines the five-year rule based on tax years running from Jan. 1 to Dec. 31. If you funded a Roth IRA for the 2023 tax year on April 1, 2024, then the beginning date was Jan. 1, 2023. You could take out the earnings without penalties and taxes on or after Jan. 1, 2028.

Q: Can self-employed individuals receive a tax deduction for health insurance?

A: Yes, self-employed individuals can claim this deduction on Form 1040 to reduce their income tax liability. Premiums paid for health insurance covering the taxpayer, spouse and dependents qualify for this deduction. An adult child, under age 27 at the end of the year, qualifies even if the child is not the taxpayer’s dependent.

Q: I worked for a company, but did not receive a W-2 Form. What should I do to complete my 1040 tax return?

A: You need to fill out Form 4852, a substitute W-2 Form. Use your last paycheck to enter the information on Form 4852.

Q: My brother was divorced this year and has three children. Who claims the children on the income tax form?

A: The custodial parent claims the children as dependents. The noncustodial parent could claim them as dependents if the custodial parent makes a written declaration to not claim the children. Sometimes, the final divorce decree will specify who claims the children. If each parent claims the same children, the IRS will send a letter requesting clarification of the custodial parent. To avoid complications, always check with your ex-spouse.

Richard Rysiewski, a certified financial planner, welcomes all questions on tax and financial matters. Send them to Richard Rysiewski, Financial Doctor, 3001 Hartford Lane, Shelby Twp., MI 48316.

Since the beginning of this month, a number of people have been facing an important financial decision. They need to decide whether they should renew or seek an alternative. What do I mean by that? Well, in case you haven’t heard, the Federal Reserve is lowering interest rates.

That’s good news for borrowers on such big-ticket items as mortgages and car loans. But lower rates are not good news for savers with money in the bank. It’s quite likely that the interest you earn on bank and credit union deposits will also be lowered.

If you’re the owner of a bank certificate of deposit (CD), you’re fortunate in that you locked in a rate at the time of your deposit. A rate that’s guaranteed for a specified length of time, one year, five years, whatever.

But on your anniversary date, you should anticipate that the rate that’s offered will be lower than the one you locked in. Typically, the banking institution sends a letter informing you of the lower renewal rate. And, oh by the way, you have ten days to decide. Although the institution might decide for you. If you don’t respond within ten days, you’re automatically renewed.

I suspect many people will just accept the rate that’s offered and not take the time to talk to their banker or financial advisor. But you should.

With your money in the bank, the principal doesn’t fluctuate. Stocks, bonds and mutual funds, however, have been known to be volatile. Plus, bank deposits earn interest and the FDIC and NCUAA protect both bank and credit union deposits up to certain limits.

The point is that money in the bank is pretty darn safe. The risk with a bank deposit is loss of purchasing power due to inflation. For example, if inflation is at 5 percent and your bank deposit is earning only 3 percent your money may be intact, but it’s losing purchasing power.

No matter what the interest rate, you should maintain money in the bank as an emergency fund. If you already have an adequate cash reserve and a long-term time horizon, however, you don’t need to accept a lower rate. Rather, I suggest that you do some homework and some legwork.

Consider exploring some alternative investments. Yes, there is market risk and the possible loss of principal. And no, that won’t happen with bank deposits. But other investments offer the possibility of much greater appreciation.

An advisor can help you determine where you are relative to your financial goals, objectives and risk tolerance. In the simplest terms, if you move money from a bank into an investment, you’re altering your risk profile. It may or not be an appropriate move, but you should know and understand the amount of market risk you’re shouldering.

Our Federal Reserve has the dual mandate of keeping prices stable and employment at a maximum. Fortunately, inflation has been trending lower. But politicians have recently been promising policies and programs that would likely drive it back up.

Renewing a CD at a lower rate doesn’t sound like a big deal, but over time it can be. The goal is to find the right balance between the money you need now and the money you’re going to need down the road.

Email your questions to kenmorris@lifetimeplanning.com

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment Advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Society for Lifetime Planning is not affiliated with Kestra IS or Kestra AS. https://kestrafinancial.com/disclosures

The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra Investment Services, LLC or Kestra Advisory Services, LLC. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regard to your individual situation. Comments concerning the past performance are not intended to be forward looking and should not be viewed as an indication of future results.

Loneliness has a significant impact on your health, both mentally and physically. It leads to increased levels of stress hormones, which can weaken the immune system and increase the risk of chronic conditions such as stroke and heart attack.

“Evidence research shows that isolation and loneliness are as bad for your health as smoking a pack of cigarettes a day,” said Sheila Cote, director of the Macomb County Office of Senior Services.

For some seniors, a simple phone call is enough to combat some of the effects of loneliness.

The Macomb County Friendly Caller program links Macomb County residents aged 60 or older with volunteer callers who offer a no-pressure, informal social call. Calls last from 10 to 30 minutes depending on the interest and natural flow of conversation.

Seniors receive a call weekly at a day and time of their choosing. Volunteers, who must be age 18 or older to participate, are provided training on how to use a calling database system that provides security for both parties.

The Macomb County Office of Senior Services, which also offers the Meals on Wheels program, started Friendly Caller in 2020 as a response to the pandemic because seniors were forced to stay home due to restrictions. It was so popular that volunteers have kept it running, as Friendly Caller receives a limited amount of funding.

“The program has been a huge success. The volunteers like it because they can make the phone calls from home. The seniors like it because they have somebody checking in on them and they have someone to communicate with,” Cote said.

Around 250 seniors receive calls regularly from 30 volunteers, including 81-year-old Bev Caperton of St. Clair Shores. Caperton has called 87 people since she started volunteering as a Friendly Caller in April 2023.

She will take notes during calls and refer back to the notes to make sure the conversations keep flowing. She said she enjoys reaching out to the seniors.

“It means a lot to me when they recognize my voice, say my name, and look forward to talking with me,” Caperton said. “It’s so rewarding to step out of your universe and jump into someone else’s, knowing that you’re possibly making them feel important and improving their day, which in turn does the same for you.”

To volunteer for the program, visit the Macomb County Services for Seniors website at macombgov.org/departments/senior-services or call 586-496-5228.

To have an event included in the Vitality calendar, email the name of the event, the time, date, address, cost (if applicable) and contact information to jgray@medianewsgroup.com.

September

Sept. 12: Oktoberfest: Live Music, Authentic German Food, Beer, Wine and Refreshments, 4-7 p.m. $10 Admission, $15 Optional Dinner. Event sponsored by Lake Michigan Credit Union.  Admission tickets include live music sponsored by Chief Financial Credit Union, games and a homemade pretzel sponsored by Cedarbrook Senior Living. Dinner options include Bratwurst or Chicken Schnitzel with a side dish and sauerkraut. Cash bar and other refreshments available sponsored by Rochester Mills Beer Company. Open to the public. Register by calling 248-659-1029. The OPC is located at 650 Letica Drive, Rochester. For more information, visit OPCcenter.org.

Sept. 12: Green Thumb: How to Put Your Garden to Sleep and Collect Seeds? At the Roseville Public Library, 29777 Gratiot Ave, Roseville, Thursday, Sept. 12 at 6:30 p.m. Adults, Registration required. For the sixth date of the season, Lori Smith, Advanced Macomb County Master Gardener, will give you advice and tips to prepare your garden to sleep before winter. For more information, call 586-445-5407 or email rsvlibraryservice@roseville-mi.gov.

Sept. 12: Oakland County Presents Prescription Drug Disposal on Thursday, Sept. 12 at 1 p.m. Join us to learn how to dispose of medications safely and properly. Register in advance for this free event. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 13: Financial Friday: Social Security (or Social Security Benefits) at 10:30 a.m., $2. Understand how your benefits work, what to consider when planning for income and latest legislative changes. Presented by Xenia Woltmann, AWMA. Open to the public. Register by calling 248-659-1029. The OPC is located at 650 Letica Drive, Rochester. For more information, visit OPCcenter.org.

Deadline to Register is Sept. 14: Dec. 2-6 (5 days/4 nights): Motorcoach Trip to Christmas with the Du Ponts. Join us aboard a spacious, video and restroom equipped motorcoach as we set off for this beautiful destination. This incredible price includes 4 nights lodging. Kick off your Holiday Season by joining us on this trip to The Chateau Country of the Delaware Valley where we will have the opportunity to go on guided tours of three DuPont Family Mansions beautifully decorated inside and outside for the holidays. We plan to visit The Nemours Mansion and Gardens, Winterthur Museum and Gardens and Eleutherin Mills at the Hagley Museum. Trip includes visits to Philadelphia’s  Christmas Village and to Longwood Gardens & Conservatory. Christmas Village, modeled after Germany’s traditional Christkindlmarkts, features 80 vendors selling traditional and international holiday items, arts and crafts, as well as European food, sweets and drinks. Longwood is transformed into a Holiday Wonderland both inside and outside during the holidays, featuring thousands of poinsettias, magnificently decorated trees, colorful dancing fountains, strolling carolers, and a half-million twinkling lights. Bus departs from L’Anse Creuse John Armstrong Performing Arts Center, back parking lot, 24600 Pankow Blvd, Clinton Twp. at 8 a.m. Cost is $895 for double occupancy. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330

Sept. 15-21 (7 days/6 nights): Motorcoach Trip to Cape Cod and Martha’s Vineyard. Join us aboard a spacious, video and restroom equipped motorcoach as we set off for this beautiful destination.  This incredible price includes 6 nights lodging (4 consecutive nights in the quaint Cape Cod area), 10 meals, an escorted visit to Martha’s Vineyard, and a visit to the JFK Museum. In addition, you’ll enjoy TWO guided tours of the historic seaside towns of Hyannis and Sandwich as well as the “Outer Cape”, including Provincetown and Chatham. We will also stop for some exciting gaming at Turning Stone Casino on our way home. Bus departs from L’Anse Creuse John Armstrong Performing Arts Center, back parking lot, 24600 Pankow Blvd, Clinton Twp at 8 a.m. Cost is $1,065 for double occupancy. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

Sept. 16: Afternoon Movie at the Blair Memorial Library, sponsored by the Clawson Recreation and Senior Center, 509 Fisher Court, on Monday, Sept., 16 at 1 p.m. Join us to watch, “Stand & Deliver” in observance of National Hispanic Heritage month. Registration for this event is  recommended. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 16: Music Lessons For Adults: All classes are held at Kawaii Music Studio located at 12745 23 Mile, Shelby Twp. Fall Session begins the week of Sept. 16. Adult Beginner Guitar on Saturday, 11:15 a.m. – noon or Tuesday, 7:15–8 p.m., Cost $160 (8 Classes). Adult Beginner Piano on Monday 7:15–8 p.m. or Wed 1–1:45 p.m., Cost $160 (8 Classes)/ Play Piano for Fun – Active Retiree on Mon 11:30 a.m. – 12:15 p.m., Cost $99 (8 Classes). Ukelele for Fun – on Wednesday 7:30–8 pm, Cost $160 (8 Classes). Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

Sept. 16: Free Lunch & Learn sponsored by Medicare Planning Solutions of Michigan. Learn about your Medicare options on Monday, Sept. 16 at 11:30 a.m. Register in  advance. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 17: Alzheimer’s/Dementia Caregivers Group, 1:30-3 p.m. Support group for those caring for loved ones with Alzheimer’s or Dementia. Respite care is available. OPC is located at 650 Letica Drive, Rochester. Call 248-659-1036 or visit OPCcenter.org for additional information.

Sept. 18: Rewired Not Retired: “A Casual Conversation About Aging” with author Garry Cole at 1:30 p.m., $5. This new release book on Amazon, provides an optimistic outlook on getting older.  The conversation will include: Healthy and Happy Aging, Blue Zones, The Fountain of Youth, Are we old?  By the end of the day you will have learned, laughed, cried, and maybe found a new friend.  Garry is not a doctor, scientist, psychiatrist, nutritionist, or gerontologist.  He’s a guy on the aging journey, just like you. This event is sponsored by Blevins Insurance Advisors and is open to the public. Register by calling 248-659-1029. The OPC is located at 650 Letica Drive, Rochester. For more information, visit OPCcenter.org.

Sept. 18: Learn Spanish at the Clawson Recreation and Senior Center, 509 Fisher Court, at 11:30 a.m. on Wednesdays. Donations welcome. Starts Sept. 18. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 18: Trip to Morley’s Candy and lunch at Aspen restaurant on Wednesday, Sept. 18. More details to come. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 19: Mystery Book Club: “A Curious Beginning” At the Roseville Public Library, 29777 Gratiot Ave, Roseville , Thursday, Sept. at 6:30 p.m. Adults, No registration required. This month, we will discuss A Curious Beginning by Deanna Raybourn. You are welcome to join us even if you have not finished the book. For more information, call 586-445-5407 or email rsvlibraryservice@roseville-mi.gov.

Sept. 19: Wheel of Fortune. Join us on Thursday, Sept. 19 at 1 p.m. with friends after lunch for a fun time playing this classic game! Registration begins Aug. 1 for this popular game. Clawson Senior Center, 509 Fisher Court, Clawson.For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 20: Grief Support Group: Leslie Steffes-Bodnar, Facilitator, 10-11 a.m. The death of a loved one affects your head, heart and spirit. A Grief Support Group is an opportunity to gain an understanding about grief and receive support and healing with other caring individuals who have experienced a loss. Many people report a feeling of relief in knowing they are not alone as they share their experience with others. Walk-ins are welcome. Questions: 248-608-0249. The OPC is located at 650 Letica Drive, Rochester. For more information, visit OPCcenter.org.

Sept. 21: The St. Clair Shores Yardeners annual Plant Exchange Saturday, Sept. 21, from 9 a.m. until approximately 11 a.m. The plant exchange will be held in the parking lot of the St. Clair Shores Library located at the corner of 11 Mile and Jefferson. Load up your vehicles with your extra plants and divisions. Bag, tag and drag your offerings to trade or give away to other gardeners. No money is involved, come with your plants and enjoy our “tailgate garden party”. Please label all of your plants. For more information, email scsyardeners@gmail.com

Sept. 24: Fancy Fall Foliage Wreaths at the Roseville Public Library, 29777 Gratiot Ave, Roseville. Tuesday, Sept. 24 at 6 p.m. Adults, Registration required. Harvest up your creativity to create your own fall wreath. Add your own splash of pumpkin spice with acorns and pinecones on top of grapevine wreaths. For more information, call 586-445-5407 or email rsvlibraryservice@roseville-mi.gov.

Sept. 25: Bingo at 12:30 p.m., $10. Join us for Bingo in the Dining Room. Ticket price includes 8-10 games with up to 4 BINGO cards per player and pizza! Sponsored by the Village at Orchard Grove. The OPC is located at 650 Letica Drive, Rochester. For more information, call 248-659-1029 or visit OPCcenter.org.

Sept. 25: Parkinson’s Care Partner Group, Wednesday, Sept. 25. This group provides an opportunity for those who are caring for their loved one to come together for support, sharing and time to talk with others who are also living with Parkinson’s. Call facilitator Kathy Walton 248-568-3549. The OPC is located at 650 Letica Drive, Rochester. For more information, call 248-659-1029 or visit OPCcenter.org.

Sept. 26: 50+ Senior Expo, 9 a.m.-1 p.m., Free – Open to the Public. OPC’s annual 50+ Expo draws area service providers and experts to share their knowledge, experience, and services available to the 50+ population. While the focus of the event is on addressing the needs of those 50 and older, it’s also a valuable resource for caregivers and residents of all ages facing health issues or needing information and assistance. Food Trucks, Giveaways and Flu Shots will be available. Register by calling 248-659-1029. The OPC is located at 650 Letica Drive, Rochester. For more information, visit OPCcenter.org.

Sept. 26: Bingo at the Clawson Recreation and Senior Center, 509 Fisher Court, on Thursday, Sept. 26 at 1 p.m. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 26: Casino Trip MGM on Thursday, Sept. 26. Depart at 10am, cost is $12. Registration for this trip begins on Aug. 1. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-583-6700.

Sept. 27 & 28: The Single Way, a group for Christian singles, is sponsoring a dinner and games night on Saturday, Sept. 28 at 5 p.m. Cost is $5.00 and includes a full dinner, snacks, and beverages. If coming, a reservation is required by Friday, Sept. 27. To register and for the location of the event, call 586-774-2119.

Sept. 27: Memory Café at OPC, 1-2:30 p.m. A social gathering for people affected by memory challenges and their care partners.  Some activities include art, music and games with light refreshments provided. Sponsored by Waltonwood Main. RSVP to Theresa Gill 248-659-1036 or tgill@OPCcenter.org. The OPC is located at 650 Letica Drive, Rochester. For more information, call 248-659-1029 or visit OPCcenter.org.

Sept. 27: Visually Impaired Group, 10-11:30 a.m. Support group providing information, socialization, support and speakers to those with low vision. Register by calling 248-608-0246. The OPC is located at 650 Letica Drive, Rochester. For more information, visit OPCcenter.org.

Sept. 27: Casino Trip MGM on Friday, Sept. 27. Depart at 10 a.m., cost is $12. Registration for this trip begins on Aug. 1. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-583-6700.

Sept. 30-Oct. 18: Clawson Senior Center Quiche Sale at the Clawson Recreation and Senior Center, 509 Fisher Court. All proceeds support programming at the center. Order in person, by phone, 248.589.0334, or online at https://recreation.cityofclawson.com/ . The quiche sale starts on Sept. 30. The last day to order is Oct. 18. Pick up orders on Oct. 23. Monday, Sept. 30 – Friday, Oct. 18. Price $10. Pickup Orders at the Hunter Community Center on Oct. 23.after 1 p.m. For more information, call 248-589-0334 or visit cityofclawson.com

October

Oct. 1: The Historic Fort Wayne in Detroit.  Visit this historic site on the Detroit River to learn about our region’s multi-layered past and visit military buildings that operated from the Civil War to the Vietnam War. Until it was decommissioned in 1971, Fort Wayne served as a garrison post for the US Army. We will enjoy lunch after the tour in Mexican Village. Bus departs from Walmart, 45400 Marketplace, Clinton Twp at 10:15 am, Cost is $80. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

Oct. 3: Lunch & Learn at the Clawson Senior Center, 509 Fisher Court, Clawson. Thursday, Oct. 3 at 11:30 a.m. Join us for lunch and learn with Dr. Fleischman/Athletico Physical Therapy. Advanced registration required. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 5: Caregiver event features great speakers, lunch, giveaways. AgeWays Nonprofit Senior Services is hosting an event for family caregivers who are caring for an older loved one, from 10 a.m. to 1:30 p.m., on Saturday, Oct. 5, at the Suburban Collection Showplace in Novi. Television personality Christy McDonald, who will speak about her experience caring for her late husband and wisdom she’s gathered from other caregivers over the years. Jim Mangi, a longtime caregiver for his wife and spokesperson for the Alzheimer’s Association, will talk about communicating with someone who has dementia. Attorney Jason Tower will speak about legal documents caregivers should have. The day will be rounded out by lunch, exhibitors, raffles and giveaways. A $10 entrance fee will support the agency’s Holiday Meals on Wheels program. To register, go to YouAreACaregiver.org. If cost is a barrier, we can provide a fee waiver. Contact us at communications@ageways.org.

Oct. 9: Sheriff Bouchard Talk at the Clawson Recreation and Senior Center, 509 Fisher Court on Wednesday, Oct. 9 at 1 p.m., he will discuss Drones, Technology in Law Enforcement and Senior Scams. Sign up for this FREE event. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 9: Birthday Lunch at the Clawson Senior Center, 509 Fisher Court, Clawson. on the 2nd Wednesday of each month. Join us on October 9th at noon. If your birthday is in October, lunch is on us. Dine in only. Register ahead. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 10: Music at the DIA on Thursday, October 10th, depart at 11:30 a.m. at the Clawson Senior Center, 509 Fisher Court, Clawson. Cost $5. Enjoy music and art at the DIA. Registration required by Sept. 26. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 12: Join us for a fun-filled musical at The Fisher Theatre to see “Some like it hot.” We will enjoy lunch before the show at The Pink House Tea Room, an historic waterside eatery. Bus departs from Walmart, 45400 Marketplace, Clinton Twp at 10:30 a.m., Cost is $140. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

Oct. 14: “Becoming A Beekeeper”presentation by Karen Burke. Karen will share what is involved, in time and cost, for successful beekeeping. She will also give us tips on what education and muscle is needed for rewarding honey production. She is the proprietor of honeyhollowapiaries.com and has been a supporter of our annual Garden Tour. You may have purchased some honey and honey related products from her. Sponsored by the St. Clair Shores Yardeners. The presentation will be held in St. Clair Shores Library on Monday, Oct. 14 at 7 p.m. (no registration is required). For more information, email scsyardeners@gmail.com

Oct. 15, 22, 29: Alliance Thrive Over 55 Lunch & Learn Series at 10:30 a.m. at the Clawson Senior Center, 509 Fisher Court, Clawson. Topics include prescriptions, body changes, stress management, mental health, and other relevant issues. Register for one or all three events. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 17: FREE Fitness Drumming Class at the Clawson Senior Center, 509 Fisher Court, Clawson. on Thursday, October 17th at 1pm sponsored by Oak Street Health. Sign up required. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 21: Afternoon Movie at the Blair Memorial Library, sponsored by the Clawson Recreation and Senior Center, 509 Fisher Court, on Monday, Oct., 21 at 1 p.m. Join us to watch a select movie. Movie to be announced soon. Registration for this event is recommended. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 23: Lunch & Learn at the Clawson Senior Center, 509 Fisher Court, Clawson, Wednesday, Oct. 23 at 11:30 a.m. Join us for lunch and learn with Mission Point Rehabilitation Center. Advanced registration required. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 24: Wheel of Fortune! at the Clawson Senior Center, 509 Fisher Court, Clawson, Thursday, Oct. 24  at 1 p.m. with friends for a fun time playing this classic game. Registration in advance. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 24-25: Casino Trip Motor City, sponsored by the Clawson Recreation and Senior Center, 509 Fisher Court, on Thursday, Oct. 24 and Friday, Oct. 25. Depart at 10am, cost is $12. Registration required. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 28 – Nov. 15: Clawson Senior Center Sweet Bread Sale, at the Clawson Recreation and Senior Center, 509 Fisher Court. All proceeds support programming at the center. Order in person, by phone, 248.589.0334, or online at https://recreation.cityofclawson.com/. The sweet bread sale starts on Oct. 28. The last day to order is Nov. 15. Pick up orders on Nov. 26. Monday, Oct. 28. – Friday, Nov. 15. Price $7. Pickup Orders at the Hunter Community Center on Nov. 26. after 1 p.m. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 28 & 30: Online Music Lessons For Adults: Instant Piano for Hopelessly Busy People on Monday, Oct. 28, from  6:30 – 9 p.m., Cost $70. Instant Guitar for Hopelessly Busy People on Wednes, Oct. 30, from 6:30 – 9 p.m., Cost $70. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

Oct. 31: Halloween Luncheon at the Clawson Senior Center, 509 Fisher Court, Clawson on Thursday, Oct. 31st at noon. Cost is $4. Join us to celebrate  Halloween with lunch and some spooky fun! Dress up if you like to. Registration opens Sept. 1. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 31: Halloween Bingo at the Clawson Senior Center, 509 Fisher Court, Clawson on Thursday October 31st at 1 p.m. Join us for a ghostly special fun time. Come early for lunch and stay to play. For more information, call 248-589-0334 or visit cityofclawson.com

November

Nov. 2: Saturday, November 2nd, Let’s go to The Fisher Theatre together to see the musical “MJ” (Michael Jackson). We will enjoy dinner after the show at Tony V’s which includes all you can eat pizza and salads. Bus departs from Walmart, 45400 Marketplace, Clinton Twp at 11:15 a.m., Cost is $120. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

Monthly events

Somerset Mall Walking and Shopping: 1st & 3rd Wednesdays of the month. Depart at 9:45 a.m. from the Clawson Recreation and Senior Center, 509 Fisher Court to enjoy a scenic and safe way to support your physical &  mental well-being and shop while you are there! Cost $3. Contact dispatch at 248-583-6700 to sign up.

• Yoga for Seniors: At the Fraser Senior Activities Center, 34935 Hidden Pine Dr., Fraser. Friday mornings 10:30am-11:30 a.m. (6-week sessions). Wednesday mornings 11:30-12:30 p.m. ((6-week sessions). $26 for members per session, $32 for non-members per session. To register, call 586-296-8483.

• Pickleball Drop in with friends of all ages for a friendly game of pickleball at the Clawson Senior Center, 509 Fisher Court, Clawson. on Mondays, from 1-3 p.m. Cost is $2. For more information, call 248-589-0334 or visit cityofclawson.com

• Quilting Group meets every Tuesday from 10 a.m. to 2 p.m. at the Clawson Senior Center, 509 Fisher Court, Clawson.  For more information, call 248-589-0334 or visit cityofclawson.com

• Water Fitness Classes: Mondays & Wednesday, from 11:10 a.m. – noon (times subject to change based on staffing) at L’Anse Creuse North high school located at 23700 Twenty One Mile Rd, Macomb. Cost $5 drop in or punch cards available for $50 – payment accepted poolside or online and bring your receipt. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

• Quilting Group: Meets every Tuesday, from 10 a.m. to 2 p.m. in Room 5/6. at the Clawson Recreation and Senior Center, 509 Fisher Court. Let’s meet up to discuss the latest topics and ask questions in a friendly environment. For more information, call 248-589-0334 or visit cityofclawson.com

• Pick Your Play: Thursdays at 12:45 p.m. at the Clawson Recreation and Senior Center, 509 Fisher Court. Play Kings in the Corner, Hand & Foot, Farkle, whatever you like. Bring a friend and have some fun. For more information, call 248-589-0334 or visit cityofclawson.com

• Did you want to learn to play piano, guitar or ukulele? What about voice lessons? We offer beginner classes for youth and adults. Visit our website to see all of the  music lessons we offer.  Lessons take place at Kawai studios and rental instruments are available for rent.  Kawai studio is located at 12745 23 Mile Rd, Shelby Twp, MI  48315.  Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330

• Current Events Club: meets the 1st Thursday of each month at 1 p.m. at the Clawson Recreation and Senior Center, 509 Fisher Court. Let’s meet up to discuss the latest topics and ask questions in a friendly environment. For more information, call 248-589-0334 or visit cityofclawson.com

• Fitness 20/20/20: Monday and Wednesdays, 5:30-6:30 p.m. Fitness 20/20/20 held at Frederick V Pankow Center – Room 505, 24076 F V Pankow Blvd, Clinton Twp. Cost is $96 Register online at Lc-ps.ce.eleyo.com or calling L’Anse Creuse Community Education at 586-783-6330.

• Chair Exercise: On Mondays, Wednesdays and Fridays at the Clawson Recreation and Senior Center, 509 Fisher Court. Level I at 10:30 a.m.: Seated warm-up, light weights, bands and balance work. Level II at 11:15 a.m.: Low-impact moves. No fee, donations welcome. For more information, call 248-589-0334 or visit cityofclawson.com

• Socrates Club: Meets the 3rd Tuesday of each month at 5 p.m. at the Clawson Recreation and Senior Center, 509 Fisher Court. Meetup to discuss current events in a relaxed, informal setting. For more information, call 248-589-0334 or visit cityofclawson.com

• Zumba Gold at the Clawson Recreation and Senior Center, 509 Fisher Court at 1:30 p.m. on Mondays with Ivy. Cost is $5 per drop-in class. For more information, call 248-589-0334 or visit cityofclawson.com

• Solo-Seniors Group: meets the 2nd Thursday of each month at 1 p.m. at the Clawson Recreation and Senior Center, 509 Fisher Court Meet and mingle with other seniors in this fun social group. For more information, call 248-589-0334 or visit cityofclawson.com

• Indoor Walking on Mondays and Wednesdays at 9:15 a.m.at the Clawson Recreation and Senior Center, 509 Fisher Court. Meet with friends to walk in the gym. For more information, call 248-589-0334 or visit cityofclawson.com

• Mondays and Wednesdays: 9:15-10 a.m.(tentatively starting this Fall/Winter), Water Walking or Lap Swim held at L’Anse Creuse High School North, 23700 21 Mile Rd, Macomb. Walk in $5 a visit or purchase a punch card. Punch cards can be purchased at the pool, online at Lc-ps.ce.eleyo.com or calling L’Anse Creuse Community Education at 586-783-6330.

• Older Persons’ Commission Membership: Mondays – Thursdays, from 8:30 a.m. – 7:30 p.m.; Friday, from 8:30 a.m. – 3:30 p.m.; and Saturday, from 8 a.m. to 2 p.m. OPC membership is available at no charge to all residents 50+ of Rochester, Rochester Hills and Oakland Township. Registration forms are available at OPC or online at opcseniorcenter.org. You must register in person and proof of residency is required. The OPC is located at 650 Letica Drive, Rochester. For more information, call 248-656-1403.

• Pinochle: on Mondays and Wednesdays at 12:45 p.m. at the Clawson Recreation and Senior Center, 509 Fisher Court. Cost is $1. Price includes prize money for the top three scores. For more information, call 248-589-0334 or visit cityofclawson.com

• Chair Yoga: at 10:30 a.m. on Tuesdays & Thursdays with Melissa or Stephanie at the Clawson Recreation and Senior Center, 509 Fisher Court. Come get a great stretch in this class! No fee, but donations are welcome. For more information, call 248-589-0334 or visit cityofclawson.com

• Tai Chi: Wednesdays at 10 a.m. with Cheryl at the Clawson Recreation and Senior Center, 509 Fisher Court. Cost is $5 per drop-in class. For more information, call 248-589-0334 or visit cityofclawson.com

• Euchre: on Tuesdays at 12:45 .pm. Cost is $1, which includes prize money, at the Clawson Recreation and Senior Center, 509 Fisher Court. For more information, call 248-589-0334 or visit cityofclawson.com

• Confident Communicators Club: Meets monthly for people who seek improving public speaking skills and leadership confidence. This supportive Toastmasters group meets online the 1st and 3rd Wednesday of each month from 8-9:30 a.m. Many of our members have gain skills needed to become a better salesperson, grow their business, get promoted, and engage students. Register for any of our meetings to get the Zoom Link -https://confident-communicators-club-meeting.eventbrite.com. Contact our VP Membership to get more information vpm-1196053@toastmastersclubs.org

• Breakfast Sponsored by Widowed Friends Ministries: Breakfast (3rd Tuesday of each) at 10:30 a.m., Pancake Factory, 13693 23 Mile Rd, NE corner of 23 Mile & Schoenherr, Shelby Twp. Sponsored by Widowed Friends Ministries. Contact Ellen 586-781-5781.

• Bowling held at Collier Bowl: 879 S Lapeer Rd. (M24), Oxford every Tuesday. Arrive at noon for lane assignments. Sponsored by Widowed Friends Ministries. Cost is $7.50 for three games, (shoes extra at $2.50). Lunch afterwards optional. Call Joe at 248-693-2454 or Nadine at 248-475-9036.

• New Baltimore Civic Club: Euchre every Thursday at 36551 Main St. (corner of Blackwell) in New Baltimore. Sign in at 6:30 p.m., play at 7 p.m. $10 plus a quarter for each euchre.

• Breakfast every Wednesday: Sponsored by Widowed Friends Ministries. Join us at 10 a.m. at Cavis Pioneer Restaurant, 5606 Lapeer Rd., Kimball. Call Rita, 810-334-6287 for more information.

• Senior Card Playing: Come and join a fun group of card players who play a wide range of card games. Everyone brings a snack to share while playing. Free. Mondays from 1-4 p.m. at 35248 Cricklewood Blvd. (Cricklewood Recreation Building). Call 586-725-0291.

• Dancing every Tuesday: at Polish Century Club, 33204 Maple Lane, Sterling Heights. Doors open at 6 p.m. Music from 7-10:30 p.m. Cost is $8 per person with a cash bar. A table is reserved for Widowed Friends. Sponsored by Widowed Friends Ministries Contact Kate at 586-344-3886.

• New Baltimore Senior Club: Tuesdays from 10 a.m. to 2 p.m. This welcoming group of seniors has all sorts of fun. We play bingo, hold luncheons, go on trips, and play cards. Monthly dues, $2. Location 35248 Cricklewood Blvd. (Cricklewood Recreation Building). Call 586-725-0291.

• Zumba Gold: from 10:30-11:30 a.m. every Monday and Wednesday at the Washington Center, 57880 Van Dyke, Washington Twp. Cost depends on how many punches are purchased. 4 punches $23 resident, $29 NR; 11 punches $60 resident, $66 NR. For more information, call 586-752-6543.

• Cards/Games/Friendship: Ss. John and Paul, (1st Thursday or every month), 1:30-4 p.m. at, 7777 28 Mile Rd. Bring a snack to share and your own beverage. Ss. John and Paul supports the Agape Center, a resource center for the most vulnerable members of society and would appreciate it if you could bring a canned good (vegetable, meat, fruit) when you come to play. (Dinner afterward at Romeo Family Restaurant, 66020 Van Dyke Rd., between 30 & 31 Mile is optional.) Sponsored by Widowed Friends Ministries. Call Ellen, 586-781-5781.

• Men Only Breakfast: Lukich Family Restaurant (1st  & 3rd Thursday), 3900 Rochester Rd., Troy, at 9.m. The Widowed Men’s Group invites you to meet with other widowed men for breakfast at either of the Men’s Fellowship locations whichever is more convenient for you. Many topics & ideas help you become involved in the activities of Widowed Friends. Sponsored by Widowed Friends Ministries  Contact Ray at 248-585-5402.

• Eastside Movies: (1st Tuesday of each month) at Chesterfield Crossing Digital Cinema 16 (known for free soda & popcorn refills also offers discount matinee pricing) 50675 Gratiot Ave., Chesterfield Twp. Early dinner afterwards TBD. Sponsored by Widowed Friends Ministries. For more information, contact Marion at 586-703-1427

• Metamora – Dinner Club: (3rd Wednesday of the month) at 5 p.m. Join us at The White Horse Inn, 1 E High St., Metamora. Reserved seating. Sponsored by Widowed Friends Ministries. Please RSVP to Sharry 248-840-0063. No walk- ins. Please call if you must cancel your reserved seating.

• Breakfast at Avenue Family Restaurant: 31253 Woodward Ave., Royal Oak, at 9:30 a.m. (2nd and 4th Wednesday of each month). Sponsored by Widowed Friends Ministries.

Labor Day weekend serves as a reminder that summer is over and it’s time to prepare for cooler weather. You can see it happening all around. Boaters are hauling their boats out of the water and preparing them for storage. Runners, cyclists and other outdoor enthusiasts are wearing extra layers of clothing. And some golfers are even putting their clubs away.

Labor Day is sort of like a starters pistol at a track meet. It encourages us to get going! Over the years, I’ve participated in the Labor Day walk across the Mackinac Bridge. And I’ve talked to many walkers who were taking on the challenge after some sort of health issue, such as a stroke or physical injury. I commend such people who set goals, especially after a health setback.

Since there is not an official holiday to do so, I suggest that now is a good time to assess your financial goals. There are far too many procrastinators that don’t even think about retirement until they’re close to the finish line.

If that’s you, if you’re in your fifties or sixties without a well-planned road to retirement, it’s time to get going. It doesn’t matter what your occupation is, or whether you’re salaried or punch a clock. You need to have clear-cut financial goals and the knowhow to achieve them throughout your retirement years.

Start by looking at what your income was 15 years ago. For example, if you’re currently 65, what was your income when you were 50? You can find these numbers on your old tax returns or a current Social Security income projection. Got the number? Now ask yourself if you could support your current lifestyle on what you were making 15 years ago.

That’s essentially a snapshot of retirement. Except for modest increases from Social Security, most retirees are on a fixed income. So your income 15 years from now will be pretty much the same as it is today. The cost of living, however, will be higher. That’s why it’s so important to have an adequate nest egg that can generate consistent income throughout the retirement years.

How long will that be? Statistically, if you retire in your sixties, you can expect to live another twenty years. Over that period there’s a probability that you will experience at least one severe economic downturn. Possibly even two.

Are your finances prepared for a financial storm? Imagine walking across the Mackinac Bridge with high winds, driving rain and swirling water below. It can be frightening. There are numerous investments that provide protection in the event of certain downturns. But you can never be sure what roadblock might suddenly appear. And there is no one thing that can shield your finances from everything.

You may or not experience one or two financial setbacks over the twenty or so years of your retirement. But the statistics say you will. It’s really important to be mentally and financially prepared.

I think it’s great that there’s a holiday that honors the labor force. Hard working Americans certainly deserve some recognition. So be proud and get out and enjoy your day. And please don’t lose sight of your goals. Don’t use rosy projections for planning your future. The better you’re prepared, the smoother the road will be.

Email your questions to kenmorris@lifetimeplanning.com

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment Advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Society for Lifetime Planning is not affiliated with Kestra IS or Kestra AS. https://kestrafinancial.com/disclosures

The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra Investment Services, LLC or Kestra Advisory Services, LLC. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regard to your individual situation. Comments concerning the past performance are not intended to be forward looking and should not be viewed as an indication of future results.

The grieving process is long and difficult and at some point after losing a loved one, most people come to that place where they just wish they could have one more conversation with their dearly departed.

Clinton Township Senior Center Assistant Director Debbie Travis believes the new wind phone, which was expected to be installed and available for use by Aug. 21, will help people through the grieving process by allowing them to speak their feelings.

“The idea fits in so well with our center and all of the things that we do,” said Travis. “It is a therapeutic way to process grief.

“Pick up this phone and your message is going to go wherever you want it to go.”

The project is a collaboration between Dignity Memorial, Lowe’s store 1716 in Clinton Township, and Senior Center officials. Lowe’s tagged the wind phone and recent improvements at the bocce courts as a Lowe’s Hometown Community Project. Dignity Memorial sponsored the purchase of the phone, the bench and plaques that are displayed in the pergola.

Resurrection Cemetery sponsors a grief support group that meets at the Senior Center and the idea for the wind phone evolved in part from that group.

Lowe’s built the 8×8 pergola with three slatted sides with the south side open and looking into the woods. There is a natural bench inside the pergola and the red, rotary dial wind phone itself is inside of a custom-built box that looks like a British phone booth.

A wood chip path leads from the sidewalk to the pergola, which will be nestled just west of the Center’s bocce courts.

Signage explains the purpose of the wind phone and how to use it.

“We want to create a very sacred place and a place where people can go to process their feelings,” said Travis. “There might be something you didn’t get a chance to say to that person, you might just want to tell them you miss them, or you might feel angry and want to tell them that too.”

The wind phone concept started in Japan where Itaru Sasaki created a “phone of the wind” in 2010 while grieving his cousin who died from cancer. He purchased an old fashioned phone booth and put it in his garden, then installed an obsolete rotary phone unconnected to any network.

Sasaki said the wind phone allowed him to heal and to feel close to his cousin who had passed.

“So the idea burst from someone’s grief,” said Travis. “He devised this grief therapy and it took off.”

The wind phone allows those who might be keeping their feelings inside a chance to express them and gain closure or simply recognize the possibility of intangible planes of existence.

Currently there are 186 wind phones in the United States; 87 international; and 15 “coming soon” including the location at the Clinton Township Senior Center.

The Clinton Township Board of Trustees approved the installation of the wind phone at its Aug. 12 meeting.

“When I first heard about this, I didn’t understand what it was,” said Clinton Township Supervisor Bob Cannon. “But once I understood what it was, I liked it.”

Senior Committee member Fran Badalamente said this “hotline” to loved ones is welcome.

“This is a lovely idea and something that will add to our center and be very helpful for people who are going through the grief process,” Badalamente said. “They can feel they can communicate in way that is personalized to them”

Trustee Julie Matuzak noted the wind phone is a much more environmentally friendly way to communicate with a lost loved one than letting off balloons or fire lanterns.

“Those are really bad for the environment,” said Matuzak. “Animals ingest the balloons and wires get tangled in farmland so this is the same concept but more personal because you are talking on the phone and at the same time more environmentally friendly.”

AgeWays Nonprofit Senior Services, a nonprofit focused on helping older adults and family caregivers, is hosting Caregiver Connections: Learn, Link & Lunch on Saturday, Oct. 5, at the Suburban Collection Showplace in Novi. The event runs from 10 a.m. to 1:30 p.m.

A $10 entrance fee covers a light breakfast and boxed lunch — and a program that features two dynamic speakers who have been in the caregiving trenches, caregiver-focused exhibitors from the aging-services network, on-site help from the AgeWays Resource Center team, raffles, giveaways and more.

“We know that supporting family caregivers is critical to caring for the older adults in our region. They need information, resources and respite care. They can’t do it alone,” says AgeWays Director of Communications Kathleen Yanik. “The event is all about helping caregivers connect with resources and get the help they need.”

Christy McDonald, an Emmy award-winning TV personality at WDIV/TV 4, will give the keynote address, “Hope, Grief and The Unknown:  A Caregiver’s Journey.”

McDonald cared for her late husband, Jamie Samuelsen, a sportscaster who died of colon cancer in 2020. She will speak on “Hope, Grief and the Unknown: A Caregiver’s Journey” about her experience and what helped her through it. She’ll help caregivers embrace their own tough and beautiful moments — what makes us laugh and what gives us hope.

McDonald is raising her three children in her hometown of Troy.

Jim Mangi, PhD, will speak about his experience caregiving for his wife, who developed Alzheimer’s disease in her late 50s. A Saline resident and retired environmental scientist who has authored two books, Mangi is a powerful speaker who is often called upon to share his experience caring for his wife for the last 16 years. In his role as a volunteer community educator with the Alzheimer’s Association, he will speak on communicating with people who have dementia. Mangi’s talk will include how to manage behaviors and how to recognize when more help is needed.

Mangi also works with Area Agencies on Aging in his role as founder and chair of Dementia Friendly Saline, a nonprofit that helps persons dealing with dementia live their best lives in their communities, with less difficulty and more dignity.

Caregiver Connections will also feature attorney Jason Tower of Tower Karson in Livonia who will talk about important documents caregivers should have.

Organizers expect about 20 exhibitors who will offer resources designed to help caregivers. Resource specialists from AgeWays will be available onsite to work with caregivers one-on-one and help them connect to resources.

To register for the event, visit careconnections.eventbrite.com. You can also call 248-606-5798 if you have trouble registering online. Proceeds from the event will benefit Holiday Meals on Wheels.

Parking is free.

NOTE: If the entrance fee is a barrier, a fee waiver may be available. Please contact communications@ageways.org or 248-606-5798 for more information.

This content is provided by AgeWays Nonprofit Senior Services (the new name for the Area Agency on Aging 1-B), a nonprofit that serves older adults and family caregivers in Livingston, Macomb, Monroe, Oakland, St. Clair and Washtenaw counties. We provide services, programs and resources that are designed to help seniors age safely and independently. Call us at 800-852-7795 to get connected.

The winner of the 37th annual Ms. Senior Michigan Pageant tap danced her way into the hearts and minds of the audience and pageant judges.

Sharon Kay Burdt wowed the audience with her dancing prowess. The 81-year-old from Swartz Creek was shocked when her name was announced as the winner.

“It totally caught me by surprise,” she said.

The annual competition took place July 24 at the OPC Social & Activity Center in Rochester Hills.

Shari, as she prefers to be called, has been an educator for more than five decades. She has developed reading programs for low-income students, wrote and directed student theater productions, and worked with Disney. She was awarded the Community Hero Award, Innovation Award and Excellence in Education Award for “putting students first.” She was Woman of the Year three times, is president and founder of the Windmill Women’s Circle, and volunteers with her local veterans organizations. She started dancing at 3, had talent bookings at 8 and danced on Ted Mack’s TV show at age 15.

Christallin Johnson-Smith was selected as the first runner-up. During the talent portion of the pageant, she spoke about goal setting. She is a minister at One Community Church in Farmington Hills. She started her college studies at 33 and earned her bachelor’s degree in psychology and a master’s degree in pastoral counseling.

Judges selected Heidi Coffman of Huntington Woods as the second runner-up. She loves numbers almost as much as she loves music and performing. She graduated magna cum laude from Walsh College in accounting. After college, she worked for Arthur Anderson & Co. as a CPA, transitioning to self-employment after her first child. She received the Accounting Aid Society Volunteer in Partnership Award, working with numerous nonprofit organizations and serving on many charity boards and committees. Beginning at age 58, she has performed in many theatrical shows and is pursuing a music degree as she loves performing. During the pageant, she sang “Don’t Rain on My Parade,” which was made famous by Barbara Streisand.

The three winners were selected from a total of 10 contestants. The competition drew participants from Detroit, Farmington Hills, Harrison Township, Huntington Woods, Rochester Hills, Southfield and Schwartz Creek. The competition celebrates all women 60 years and older. It is a search for that special, gracious lady who best exemplifies the dignity, maturity and inner beauty of all our Michigan senior women, organizers said.

For more information on becoming a contestant, visit msseniormichigan.org or contact Toni Sanchez-Murphy, Ms. Senior Michigan board president, at 248-420-9857 or tonism24@yahoo.com.

To have an event included in the Vitality calendar, email the name of the event, the time, date, address, cost (if applicable) and contact information to jgray@medianewsgroup.com.

August

Special services: The City of Clawson has received grant funding from OLHSA to provide essential services such as lawn cutting and snow removal to older adults in need. To be eligible for these services, there is an income requirement. To obtain an application and to check eligibility, contact Assistant Director of Recreation and Senior Services, Lisa Ball, LBSW at the Clawson Senior Center at 248-589-0334.

August: Crafting with Chrissy free crafts on select Tuesdays at 11 a.m. in August at the Clawson Senior Center, 509 Fisher Court, Clawson. Call for dates. For more information, call 248-589-0334 or visit cityofclawson.com

Aug. 8: Forensics Program with Stephanie Grabowski of MSP, at the Roseville Public Library, 29777 Gratiot Ave, Roseville, Thursday, Aug. 8 at 6 p.m. Adults – No registration required. Learn about forensic disciplines and how they can contribute to police agencies investigating crimes. Stephanie Grabowski has been working for the Michigan State Police as a Forensic Scientist for 18 years and will share some of the knowledge she has gained. For more information, call 586-445-5407 or visit rsvlibraryservice@roseville-mi.gov

Aug. 12: FREE Lunch & Learn, at the Clawson Senior Center, 509 Fisher Court, Clawson. Sponsored by Desmond Funeral Home on Monday, August 12th. Join us for sub sandwiches and conversations with Mike. Registration required. For more information, call 248-589-0334 or visit cityofclawson.com

Aug. 13: Check Mates: Chess Club at the Roseville Public Library, 29777 Gratiot Ave, Roseville, Tuesday, Aug. 13 at 6 p.m. Adults – Registration required. Whether you’re a Grandmaster or a just starting out, there’s a place for you here! We’ll meet one evening a month to socialize, discuss strategy, play the game, and most of all, have fun. For more information, call 586-445-5407 or visit rsvlibraryservice@roseville-mi.gov

Aug. 14: Birthday Lunch on the 2nd Wednesday of each month, at the Clawson Senior Center, 509 Fisher Court, Clawson. Join us on Aug. 14 at noon. If your birthday is in August, lunch is on us! You must dine in to get your card & FREE lunch ticket. Sign up required. For more information, call 248-589-0334 or visit cityofclawson.com

Aug. 15: FREE Lunch & Learn, at the Clawson Senior Center, 509 Fisher Court, Clawson. Sponsored by Sterling Assisted Living Thursday, Aug. 15, at 11a.m. for lunch to learn about Sterling Assisted Living. Register in advance by Monday Aug. 12. You must attend the presentation to receive a free lunch ticket. For more information, call 248-589-0334 or visit cityofclawson.com

Aug. 19: Afternoon Movie at the Blair Memorial Library on Monday, Aug. 19 at 1 p.m., at the Clawson Senior Center, 509 Fisher Court, Clawson. Join us to watch, “Mr. Holmes,” An aged, retired Sherlock Holmes deals with dementia, as he tries to remember his final case, and a mysterious woman, whose memory haunts him. Register in advance. For more information, call 248-589-0334 or visit cityofclawson.com

Aug. 22: Mystery Book Club: “The Devil and the Dark Water” by Stuart Turton at the Roseville Public Library, 29777 Gratiot Ave, Roseville, Thursday, Aug. 22 at 6:30 p.m. Adults – No registration required. Get together with other mystery readers as we discuss crime novels every third Thursday of the month. You are welcome to join us even if you have not finished the book. For more information, call 586-445-5407 or visit rsvlibraryservice@roseville-mi.gov

Aug. 22: Wheel of Fortune at the Clawson Senior Center, 509 Fisher Court, Clawson. Join us on Thursday, Aug. 22 at 1 p.m. with friends after lunch for a fun time playing this classic game. Sign up in advance. For more information, call 248-589-0334 or visit cityofclawson.com

Aug. 24: The Single Way, a group for Christian singles is sponsoring a potluck dinner and games night on Saturday, Aug. 24 at 5 p.m. Cost is $5 and includes the barbeque main course, snacks, and beverages. Each adult is to bring along a salad, starch, or dessert to share with others. If coming, a reservation is required by Friday, Aug. 23. For more information and location, call 586-774-2119.

Aug. 26: Deal Me In: Social Card Night at the Roseville Public Library, 29777 Gratiot Ave, Roseville, Monday, Aug. 26 at 6 p.m. Adults – Registration required. Players of all skill levels are welcome to a social night of card games. We provide the cards, you provide the fun. Our presenter from earlier Deal Me In! sessions will be available for help and strategy advice. For more information, call 586-445-5407 or visit rsvlibraryservice@roseville-mi.gov

Aug. 29: Casino Trip Hollywood on Thurs. Aug. 29, at the Clawson Senior Center, 509 Fisher Court, Clawson.. Depart at 10am, cost is $12. Sign up at the front desk. For more information, call 248-589-0334 or visit cityofclawson.com

Aug. 29: Beach Party Luncheon Thursday Aug. 29, at noon, at the Clawson Senior Center, 509 Fisher Court, Clawson. Join us for endless fun with friends in the indoor sun at lunchtime! Purchase your ticket in advance for this fun event. For more information, call 248-589-0334 or visit cityofclawson.com

Aug. 29: Bingo on Thursday, August 29th at 1 p.m. at the Clawson Senior Center, 509 Fisher Court, Clawson. join friends in the Senior Dining Room for a game of Bingo. For more information, call 248-589-0334 or visit cityofclawson.com

September

Sept. 3: – Oct. 8: Sleep Education for Everyone at the Clawson Senior Center, 509 Fisher Court, Clawson. The goal of this workshop is to understand the importance of sleep for both physical and mental health. Recognize the importance of sleep hygiene. Identify strategies to improve sleep. In addition, participants will learn how to continue their learning through a six-lesson series. This FREE six week series is presented by Miloni Rathod, Ph.D.Health Program Instructor with Michigan State University Extension. Tuesday, Sept. 3 – Oct. 8 at 1 p.m. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 3: Free Sleep Workshop 6-week series with Michigan State on Tuesday, Sept. 3 – Oct. 8 at 1pm. Register in advance. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-583-6700.

Sept. 4: Parkinson’s Support Group,  Wednesday, Sept. 4. This group is associated with the Michigan Parkinson Foundation, & features programs for everyday living, sharing and support. Call: 586-612-2744 for information. Newcomers welcome. The OPC is located at 650 Letica Drive, Rochester. For more information, call 248-659-1029 or visit OPCcenter.org.

Sept. 5: Lunch & Learn at the Clawson Senior Center, 509 Fisher Court, Clawson. Join us on Thursday, Sept. 5 at 11:30 a.m. for a discussion on the key factors to consider when downsizing with Guiding Light Senior Advisors. Advanced registration required. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 9: Detroit Zoo Senior Day Monday, Sept. 9 depart at 9:45 a.m. Cost $3 (ride cost). Adults aged 62 plus enjoy FREE admission to the Detroit Zoo. The day features live tram tours, entertainment, games, zookeeper talks, and more. Register in advance. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 9: Lunch Bunch on Monday, Sept. 9. Details TBD. We will name the restaurant soon. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 11: Birthday Luncheon on the 2nd Wednesday of each month.  Join us on September 11th at Noon. If your birthday is in September, lunch is on us. You must dine in to get your card & free lunch ticket. Sign up required. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-583-6700.

Sept. 12: Oakland County Presents Prescription Drug Disposal on Thursday, Sept. 12 at 1 p.m. Join us to learn how to dispose of medications safely and properly. Register in advance for this free event. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 15-21 (7 days/6 nights): Motorcoach Trip to Cape Cod and Martha’s Vineyard. Join us aboard a spacious, video and restroom equipped motorcoach as we set off for this beautiful destination.  This incredible price includes 6 nights lodging (4 consecutive nights in the quaint Cape Cod area), 10 meals, an escorted visit to Martha’s Vineyard, and a visit to the JFK Museum. In addition, you’ll enjoy TWO guided tours of the historic seaside towns of Hyannis and Sandwich as well as the “Outer Cape”, including Provincetown and Chatham. We will also stop for some exciting gaming at Turning Stone Casino on our way home. Bus departs from L’Anse Creuse John Armstrong Performing Arts Center, back parking lot, 24600 Pankow Blvd, Clinton Twp at 8 a.m. Cost is $1,065 for double occupancy. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

Sept. 16: Free Lunch & Learn sponsored by Medicare Planning Solutions of Michigan. Learn about your Medicare options on Monday, Sept. 16 at 11:30 a.m. Register in  advance. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 18: Trip to Morley’s Candy and lunch at Aspen restaurant on Wednesday, Sept. 18. More details to come. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 19: Wheel of Fortune. Join us on Thursday, Sept. 19 at 1 p.m. with friends after lunch for a fun time playing this classic game! Registration begins Aug. 1 for this popular game. Clawson Senior Center, 509 Fisher Court, Clawson.For more information, call 248-589-0334 or visit cityofclawson.com

Sept. 21: The St. Clair Shores Yardeners annual Plant Exchange Saturday, Sept. 21, from 9 a.m. until approximately 11 a.m. The plant exchange will be held in the parking lot of the St. Clair Shores Library located at the corner of 11 Mile and Jefferson. Load up your vehicles with your extra plants and divisions. Bag, tag and drag your offerings to trade or give away to other gardeners. No money is involved, come with your plants and enjoy our “tailgate garden party”. Please label all of your plants. For more information, email scsyardeners@gmail.com

Sept. 25: Parkinson’s Care Partner Group, Wednesday,. Sept. 25. This group provides an opportunity for those who are caring for their loved one to come together for support, sharing and time to talk with others who are also living with Parkinson’s. Call facilitator Kathy Walton 248-568-3549. The OPC is located at 650 Letica Drive, Rochester. For more information, call 248-659-1029 or visit OPCcenter.org.

Sept. 26: Casino Trip MGM on Thursday, Sept. 26. Depart at 10am, cost is $12. Registration for this trip begins on Aug. 1. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-583-6700.

Sept. 27: Casino Trip MGM on Friday, Sept. 27. Depart at 10 a.m., cost is $12. Registration for this trip begins on Aug. 1. Clawson Senior Center, 509 Fisher Court, Clawson. For more information, call 248-583-6700.

October

Oct. 1: The Historic Fort Wayne in Detroit.  Visit this historic site on the Detroit River to learn about our region’s multi-layered past and visit military buildings that operated from the Civil War to the Vietnam War. Until it was decommissioned in 1971, Fort Wayne served as a garrison post for the US Army. We will enjoy lunch after the tour in Mexican Village. Bus departs from Walmart, 45400 Marketplace, Clinton Twp at 10:15 am, Cost is $80. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

Oct. 3: Lunch & Learn at the Clawson Senior Center, 509 Fisher Court, Clawson. Thursday, Oct. 3 at 11:30 a.m. Join us for lunch and learn with Dr. Fleischman/Athletico Physical Therapy. Advanced registration required. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 9: Birthday Lunch at the Clawson Senior Center, 509 Fisher Court, Clawson. on the 2nd Wednesday of each month. Join us on October 9th at noon. If your birthday is in October, lunch is on us. Dine in only. Register ahead. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 10: Music at the DIA on Thursday, October 10th, depart at 11:30 a.m. at the Clawson Senior Center, 509 Fisher Court, Clawson. Cost $5. Enjoy music and art at the DIA. Registration required by Sept. 26. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 12: Join us for a fun-filled musical at The Fisher Theatre to see “Some like it hot.” We will enjoy lunch before the show at The Pink House Tea Room, an historic waterside eatery. Bus departs from Walmart, 45400 Marketplace, Clinton Twp at 10:30 a.m., Cost is $140. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

Oct. 14: “Becoming A Beekeeper”presentation by Karen Burke. Karen will share what is involved, in time and cost, for successful beekeeping. She will also give us tips on what education and muscle is needed for rewarding honey production. She is the proprietor of honeyhollowapiaries.com and has been a supporter of our annual Garden Tour. You may have purchased some honey and honey related products from her. Sponsored by the St. Clair Shores Yardeners. The presentation will be held in St. Clair Shores Library on Monday, Oct. 14 at 7 p.m. (no registration is required). For more information, email scsyardeners@gmail.com

Oct. 15, 22, 29: Alliance Thrive Over 55 Lunch & Learn Series at 10:30 a.m. at the Clawson Senior Center, 509 Fisher Court, Clawson. Topics include prescriptions, body changes, stress management, mental health, and other relevant issues. Register for one or all three events. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 17: FREE Fitness Drumming Class at the Clawson Senior Center, 509 Fisher Court, Clawson. on Thursday, October 17th at 1pm sponsored by Oak Street Health. Sign up required. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 23: Lunch & Learn at the Clawson Senior Center, 509 Fisher Court, Clawson, Wednesday, Oct. 23 at 11:30 a.m. Join us for lunch and learn with Mission Point Rehabilitation Center. Advanced registration required. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 24: Wheel of Fortune! at the Clawson Senior Center, 509 Fisher Court, Clawson, Thursday, Oct. 24  at 1 p.m. with friends for a fun time playing this classic game. Registration in advance. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 24: Casino Trip Motor City at the Clawson Senior Center, 509 Fisher Court, Clawson, on Thursday, Oct. 24. Depart at 10 a.m., cost is $12. Registration for this trip begins on Sept. 1. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 31: Halloween Luncheon at the Clawson Senior Center, 509 Fisher Court, Clawson on Thursday, Oct. 31st at noon. Cost is $4. Join us to celebrate  Halloween with lunch and some spooky fun! Dress up if you like to. Registration opens Sept. 1. For more information, call 248-589-0334 or visit cityofclawson.com

Oct. 31: Halloween Bingo at the Clawson Senior Center, 509 Fisher Court, Clawson on Thursday October 31st at 1 p.m. Join us for a ghostly special fun time. Come early for lunch and stay to play. For more information, call 248-589-0334 or visit cityofclawson.com

November

Nov. 2: Saturday, November 2nd, Let’s go to The Fisher Theatre together to see the musical “MJ” (Michael Jackson). We will enjoy dinner after the show at Tony V’s which includes all you can eat pizza and salads. Bus departs from Walmart, 45400 Marketplace, Clinton Twp at 11:15 a.m., Cost is $120. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

December

Dec. 2-6 (5 days/4 nights): Motorcoach Trip to Christmas with the Du Ponts. Join us aboard a spacious, video and restroom equipped motorcoach as we set off for this beautiful destination. This incredible price includes 4 nights lodging. Kick off your Holiday Season by joining us on this trip to The Chateau Country of the Delaware Valley where we will have the opportunity to go on guided tours of three DuPont Family Mansions beautifully decorated inside and outside for the holidays. We plan to visit The Nemours Mansion and Gardens, Winterthur Museum and Gardens and Eleutherin Mills at the Hagley Museum. Trip includes visits to Philadelphia’s  Christmas Village and to Longwood Gardens & Conservatory. Christmas Village, modeled after Germany’s traditional Christkindlmarkts, features 80 vendors selling traditional and international holiday items, arts and crafts, as well as European food, sweets and drinks. Longwood is transformed into a Holiday Wonderland both inside and outside during the holidays, featuring thousands of poinsettias, magnificently decorated trees, colorful dancing fountains, strolling carolers, and a half-million twinkling lights. Bus departs from L’Anse Creuse John Armstrong Performing Arts Center, back parking lot, 24600 Pankow Blvd, Clinton Twp. at 8 a.m. Cost is $895 for double occupancy. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330

Monthly events

• Yoga for Seniors: At the Fraser Senior Activities Center, 34935 Hidden Pine Dr., Fraser. Friday mornings 10:30am-11:30 a.m. (6-week sessions). Wednesday mornings 11:30-12:30 p.m. ((6-week sessions). $26 for members per session, $32 for non-members per session. To register, call 586-296-8483.

• Pickleball Drop in with friends of all ages for a friendly game of pickleball at the Clawson Senior Center, 509 Fisher Court, Clawson. on Mondays, from 1-3 p.m. Cost is $2. For more information, call 248-589-0334 or visit cityofclawson.com

• Quilting Group meets every Tuesday from 10 a.m. to 2 p.m. at the Clawson Senior Center, 509 Fisher Court, Clawson.  For more information, call 248-589-0334 or visit cityofclawson.com

• Water Fitness Classes:  Mondays & Wednesday, from 11:10 a.m. – noon (times subject to change based on staffing) at L’Anse Creuse North high school located at 23700 Twenty One Mile Rd, Macomb. Cost $5 drop in or punch cards available for $50 – payment accepted poolside or online and bring your receipt. Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330.

• Quilting Group: Meets every Tuesday, from 10 a.m. to 2 p.m. in Room 5/6. at the Clawson Recreation and Senior Center, 509 Fisher Court. Let’s meet up to discuss the latest topics and ask questions in a friendly environment. For more information, call 248-589-0334 or visit cityofclawson.com

• Pick Your Play: Thursdays at 12:45 p.m. at the Clawson Recreation and Senior Center, 509 Fisher Court. Play Kings in the Corner, Hand & Foot, Farkle, whatever you like. Bring a friend and have some fun. For more information, call 248-589-0334 or visit cityofclawson.com

• Did you want to learn to play piano, guitar or ukulele? What about voice lessons? We offer beginner classes for youth and adults. Visit our website to see all of the  music lessons we offer.  Lessons take place at Kawai studios and rental instruments are available for rent.  Kawai studio is located at 12745 23 Mile Rd, Shelby Twp, MI  48315.  Register online at Lc-ps.ce.eleyo.com or by calling L’Anse Creuse Community Education at 586-783-6330

• Current Events Club: meets the 1st Thursday of each month at 1 p.m. at the Clawson Recreation and Senior Center, 509 Fisher Court. Let’s meet up to discuss the latest topics and ask questions in a friendly environment. For more information, call 248-589-0334 or visit cityofclawson.com

• Fitness 20/20/20: Monday and Wednesdays, 5:30-6:30 p.m. Fitness 20/20/20 held at Frederick V Pankow Center – Room 505, 24076 F V Pankow Blvd, Clinton Twp. Cost is $96 Register online at Lc-ps.ce.eleyo.com or calling L’Anse Creuse Community Education at 586-783-6330.

• Chair Exercise: On Mondays, Wednesdays and Fridays at the Clawson Recreation and Senior Center, 509 Fisher Court. Level I at 10:30 a.m.: Seated warm-up, light weights, bands and balance work. Level II at 11:15 a.m.: Low-impact moves. No fee, donations welcome. For more information, call 248-589-0334 or visit cityofclawson.com

• Socrates Club: Meets the 3rd Tuesday of each month at 5 p.m. at the Clawson Recreation and Senior Center, 509 Fisher Court. Meetup to discuss current events in a relaxed, informal setting. For more information, call 248-589-0334 or visit cityofclawson.com

• Zumba Gold at the Clawson Recreation and Senior Center, 509 Fisher Court at 1:30 p.m. on Mondays with Ivy. Cost is $5 per drop-in class. For more information, call 248-589-0334 or visit cityofclawson.com

• Solo-Seniors Group: meets the 2nd Thursday of each month at 1 p.m. at the Clawson Recreation and Senior Center, 509 Fisher Court Meet and mingle with other seniors in this fun social group. For more information, call 248-589-0334 or visit cityofclawson.com

• Indoor Walking on Mondays and Wednesdays at 9:15 a.m.at the Clawson Recreation and Senior Center, 509 Fisher Court Meet with friends to walk in our gym. For more information, call 248-589-0334 or visit cityofclawson.com

• Mondays and Wednesdays: 9:15-10 a.m.(tentatively starting this Fall/Winter), Water Walking or Lap Swim held at L’Anse Creuse High School North, 23700 21 Mile Rd, Macomb. Walk in $5 a visit or purchase a punch card. Punch cards can be purchased at the pool, online at Lc-ps.ce.eleyo.com or calling L’Anse Creuse Community Education at 586-783-6330.

• Older Persons’ Commission Membership: Mondays – Thursdays, from 8:30 a.m. – 7:30 p.m.; Friday, from 8:30 a.m. – 3:30 p.m.; and Saturday, from 8 a.m. to 2 p.m. OPC membership is available at no charge to all residents 50+ of Rochester, Rochester Hills and Oakland Township. Registration forms are available at OPC or online at opcseniorcenter.org. You must register in person and proof of residency is required. The OPC is located at 650 Letica Drive, Rochester. For more information, call 248-656-1403.

• Pinochle: on Mondays and Wednesdays at 12:45 p.m. at the Clawson Recreation and Senior Center, 509 Fisher Court. Cost is $1. Price includes prize money for the top three scores. For more information, call 248-589-0334 or visit cityofclawson.com

• Chair Yoga: at 10:30 a.m. on Tuesdays & Thursdays with Melissa or Stephanie at the Clawson Recreation and Senior Center, 509 Fisher Court. Come get a great stretch in this class! No fee, but donations are welcome. For more information, call 248-589-0334 or visit cityofclawson.com

• Tai Chi: Wednesdays at 10 a.m. with Cheryl at the Clawson Recreation and Senior Center, 509 Fisher Court. Cost is $5 per drop-in class. For more information, call 248-589-0334 or visit cityofclawson.com

• Euchre: on Tuesdays at 12:45 .pm. Cost is $1, which includes prize money, at the Clawson Recreation and Senior Center, 509 Fisher Court. For more information, call 248-589-0334 or visit cityofclawson.com

• Confident Communicators Club: Meets monthly for people who seek improving public speaking skills and leadership confidence. This supportive Toastmasters group meets online the 1st and 3rd Wednesday of each month from 8-9:30 a.m. Many of our members have gain skills needed to become a better salesperson, grow their business, get promoted, and engage students. Register for any of our meetings to get the Zoom Link -https://confident-communicators-club-meeting.eventbrite.com. Contact our VP Membership to get more information vpm-1196053@toastmastersclubs.org

• Breakfast Sponsored by Widowed Friends Ministries: Breakfast (3rd Tuesday of each) at 10:30 a.m., Pancake Factory, 13693 23 Mile Rd, NE corner of 23 Mile & Schoenherr, Shelby Twp. Sponsored by Widowed Friends Ministries. Contact Ellen 586-781-5781.

• Bowling held at Collier Bowl: 879 S Lapeer Rd. (M24), Oxford every Tuesday. Arrive at noon for lane assignments. Sponsored by Widowed Friends Ministries. Cost is $7.50 for three games, (shoes extra at $2.50). Lunch afterwards optional. Call Joe at 248-693-2454 or Nadine at 248-475-9036.

• New Baltimore Civic Club: Euchre every Thursday at 36551 Main St. (corner of Blackwell) in New Baltimore. Sign in at 6:30 p.m., play at 7 p.m. $10 plus a quarter for each euchre.

• Breakfast every Wednesday: Sponsored by Widowed Friends Ministries. Join us at 10 a.m. at Cavis Pioneer Restaurant, 5606 Lapeer Rd., Kimball. Call Rita, 810-334-6287 for more information.

• Senior Card Playing: Come and join a fun group of card players who play a wide range of card games. Everyone brings a snack to share while playing. Free. Mondays from 1-4 p.m. at 35248 Cricklewood Blvd. (Cricklewood Recreation Building). Call 586-725-0291.

• Dancing every Tuesday: at Polish Century Club, 33204 Maple Lane, Sterling Heights. Doors open at 6 p.m. Music from 7-10:30 p.m. Cost is $8 per person with a cash bar. A table is reserved for Widowed Friends. Sponsored by Widowed Friends Ministries Contact Kate at 586-344-3886.

• New Baltimore Senior Club: Tuesdays from 10 a.m. to 2 p.m. This welcoming group of seniors has all sorts of fun. We play bingo, hold luncheons, go on trips, and play cards. Monthly dues, $2. Location 35248 Cricklewood Blvd. (Cricklewood Recreation Building). Call 586-725-0291.

• Zumba Gold: from 10:30-11:30 a.m. every Monday and Wednesday at the Washington Center, 57880 Van Dyke, Washington Twp. Cost depends on how many punches are purchased. 4 punches $23 resident, $29 NR; 11 punches $60 resident, $66 NR. For more information, call 586-752-6543.

• Cards/Games/Friendship: Ss. John and Paul, (1st Thursday or every month), 1:30-4 p.m. at, 7777 28 Mile Rd. Bring a snack to share and your own beverage. Ss. John and Paul supports the Agape Center, a resource center for the most vulnerable members of society and would appreciate it if you could bring a canned good (vegetable, meat, fruit) when you come to play. (Dinner afterward at Romeo Family Restaurant, 66020 Van Dyke Rd., between 30 & 31 Mile is optional.) Sponsored by Widowed Friends Ministries. Call Ellen, 586-781-5781.

• Men Only Breakfast: Lukich Family Restaurant (1st  & 3rd Thursday), 3900 Rochester Rd., Troy, at 9.m. The Widowed Men’s Group invites you to meet with other widowed men for breakfast at either of the Men’s Fellowship locations whichever is more convenient for you. Many topics & ideas help you become involved in the activities of Widowed Friends. Sponsored by Widowed Friends Ministries  Contact Ray at 248-585-5402.

• Eastside Movies: (1st Tuesday of each month) at Chesterfield Crossing Digital Cinema 16 (known for free soda & popcorn refills also offers discount matinee pricing) 50675 Gratiot Ave., Chesterfield Twp. Early dinner afterwards TBD. Sponsored by Widowed Friends Ministries. For more information, contact Marion at 586-703-1427

• Metamora – Dinner Club: (3rd Wednesday of the month) at 5 p.m. Join us at The White Horse Inn, 1 E High St., Metamora. Reserved seating. Sponsored by Widowed Friends Ministries. Please RSVP to Sharry 248-840-0063. No walk- ins. Please call if you must cancel your reserved seating.

• Breakfast at Avenue Family Restaurant: 31253 Woodward Ave., Royal Oak, at 9:30 a.m. (2nd and 4th Wednesday of each month). Sponsored by Widowed Friends Ministries.