Bellefontaine Magazine Issue 4

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issue

04 priceless

Studio CSM In the people business

Veterans

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SilverSneakers

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Maxine Wingo

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table of

CONTENTS 5

Publisher's Letter

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Cover Story

Studio CSM In the people business

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Maxine Wingo

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Ask the Expert

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Dance Fuzion Studio

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The Thrill of the Hunt

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95 Years and Still Working An Excellent Employee

Give Thanks To Your Insurance Agents

Ballet, Hip Hop and More

Veterans Day

Questions and Answers

Ask The Expert

Juggling the Challenges of the Sandwich Generation

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YMCA

SilverSneakers

Chamber of Commerce Whitmore House

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//Publisher’s Letter

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PUBLISHER Rachel Brumbaugh

Dear Readers,

rachel@bellefontainemagazine.com

I would like the thank you for continuing to support the magazine each month.

In November it is a good time to reflect on what we have to be thankful for. Thanksgiving and Veterans Day are both in the month of November. As we go about our lives this month remember to thank all of the veterans that have enabled us to have the freedoms that we have. As I reflect on what I have to be thankful for, I realize how many things I take for granite. I hope each person will take a moment as we set down to eat Thanksgiving Day to think about what all there is to be thankful for.

CONTRIBUTORS Kate Andre Annetta Chappell Amanda Watkins David Andre Stacey Longshore Caleb Roberts

Looking forward to the coming month, I would like to ask for your help. Next month is Christmas; I would love to hear about your favorite memories of Christmas. It could be a memory of growing up, watching your children or grandchildren experience it for the first time or your tradition that you have created with your family over the holiday season. I look forward to hearing from you!

ADDRESS PO Box 73 Bellefontaine, OH 43311 Phone. 937-539-2224

Thank you for all your support and I hope you enjoy this month's magazine!

www.bellefontainemagazine.com

Rachel Brumbaugh Publisher

FACEBOOK facebook.com/bellefontainemagazine

Bellefontaine Magazine is a monthly publication. Any reproduction or duplication of any part thereof must be done with the written permission of the Publisher. All information included herein is correct to the best of our knowledge as of the publication date. Corrections should be forwarded to the Publisher at the address above.

Disclaimer: The paid advertisements contained within Bellefontaine Magazine are not endorsed or recommended by the Publisher. Therefore, neither party may be held liable for the business practices of these companies.

Studio CSM Story by Kate Andre

“We are in the people business.” Carol Marlow has a natural ease about her. It is in her voice and her demeanor and it is reflected in the relaxing atmosphere of her salon and even so, the importance of her belief was not understated. “Hair and beauty is our vehicle, but people are our business.”

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It was her client focused reputation and genuine care for others that led both Carrie Brown and Darla Chismar to conclude there was no one else better to work alongside. When asked about Carol’s reputation, Darla responded with hesitation, “She is client focused and professional and the salon is well run.” Professionalism is a priority that Carol is not shy about since she has cut hair for thirty years in 2014. “Sometimes in a booth rental kind of salon, professionalism can get lost just because everyone is doing their own thing.” She’s quick to say of course it doesn’t always turn out that way, but she’s mindful that it can be a pitfall. “We have an agreement about dress and how we conduct ourselves,” Carol says nodding to the two other stylists who work in Studio CSM. Although Carol is the owner, Darla and Carrie rent their space while providing their materials and setting up their own schedules, requardless, it is immediately clear that these women see each other as partners and operate as a team. By creating the small, intimate environment she always knew she wanted, Carol has defined the kind of workplace anyone would be glad to call their own. During the interviews clients were coming and going. But above even the hum of hairdryers, the one consistent sound in the salon is laughter.

Carrie recalls that it was Carol’s sense of humor that first got her attention. “I thought now there’s someone I could work with day in and day out.”

In addition to the warmth of Carol's personality and the inviting tone of the salon, there’s another reason Darla believes working at CSM is one of the standout happenings in her life. “It is important to her that we succeed.”

Having both graduated from Indian Lake, Carrie and Darla still reside in the area with their families. “I always thought I wanted to get away,” Carrie says with a chuckle, acknowledging a common theme among small town teenagers. Both stylists attended the Ohio State Beauty Academy in Lima, Ohio. Carrie worked in a salon while in high school, answering the phones

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and always knew that this was career path she wanted to pursue. Darla,having spent a number of years staying home with her three children, came to a point where she could imagine balancing her home life with trade school. “I had always cut hair.

I guess I just finally decided to do it legally!” she joked.

For Carol, though, the road to beauty school wasn’t necessarily determined by the foregone conclusion that this is what she was meant to do.

“It was kind of a fluke, really” she says. Growing up in the Anna area, Carol had a less than ideal home life, especially during her high school years.

The youngest of four children with an ill father and a mother who was trying to cope, life was difficult.

Her older siblings were no longer living at home, all having begun to find their own direction in life, and Carol was left to figure things out on her own. By the age of 16 she had moved out of her parents’ home and in with her brother, his wife and their three children. School didn’t interest her much, something she now contributes in part to her family life. “I wanted to avoid math,” she says of her decision to spend her Junior and Senior year doing hands on training at the Piqua JVS. “And now I’m a salon owner— doing math!”

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She graduated high school and beauty school at 18 and after what she thought would be just a salon observation at TP Hair Deigns in Bellefontaine, she was offered a job. Although she was thankful for the job, she was at the bottom of what she calls a tall totem pole. Her time there was short lived, but the relationship she built with mentor, Renay Fullerton, owner of Salon Renay, was not.

When Renay decided to go out on her own, Carol didn’t let the opportunity pass her by. She credits Renay, in part, with her success. “She took me under her wing and I really needed that push to stick with it.” Building clientele is a side of the profession that Carol wishes beauty colleges would address more thoroughly, citing that many young stylists give up in discouragement when it doesn’t happen immediately. Luckily, Renay was eager to help her mentee, often placing her own overflow into Carol’s chair. “I mean it was my job to keep them there, but even so, a lot of stylists wouldn’t do that.” Like her mentor, Carol is not just any stylist.

While building a clientele and having a full book can often take as long as five years, Darla was well on her way to both within a year thanks to Carol’s willingness to help her in the same way she had been helped years before.

isn’t just about being on trend or taking care of people’s hair.

“You have to care about their lives at least as much as you do their hair. Success in this field requires a genuine interest in people,” she says reiterating her earlier sentiment.

It was only after nearly 25 years as a booth renter that Carol began to wonder if going out on her own was a necessary move. She was at the top of her game with little room to grow without working more hours. Additionally, self-employment had her considering how best to plan for the future.

Although she’d not considered salon ownership in the beginning, she began to see how owning a piece of real estate could both help to secure her future and help her to continue to grow. It took some time, though, to find the right property and to make the numbers work. Discouraged after several properties had fallen through, it was her husband Chris who encouraged her to call about the property that now houses her thriving business.

As is her nature, Carol is quick to say “I cannot pretend I did any of it alone.

Chris was an incredible support system. I wanted to do it but I was so afraid.” His confidence in her ability gave her the nudge she needed to press through the fear. And with a fabulous staff that she hopes will stay forever, customers happy to keep coming back, and a child in college she now sees that it all happened at just the right time.

With regard to new clients, all of the CSM stylists spoke about the need to invest time in understanding the client’s needs and wants and personality in order to build a long lasting relationship. “You can’t make assumptions about them. You have to educate about tools and products and make it simple, “ Carol stressed. “I never want to ‘sell someone’ but I also never want to sell someone short.” With all the success Studio CSM has had, it seems the stylists are walking that line with precision and delivering on the good name they have established.

For young women considering cosmetology, they all stress the need for hard work and commitment.

Although being mentored isn’t a requirement, they unanimously agree it is a huge step forward in the right direction. And you don’t have to speak to any of them long to hear about the benefits of their work. Not only is it flexible, but it’s also never the same from day to day. “It’s instant gratification,” Carrie says, citing big results in a short amount of time. Darla, who loves making clients feel good about his or her appearance, can’t imagine what it would be like now to work a job she didn’t love.

And although Carol didn’t grow up knowing she

With a focus on education, the team often goes above and beyond what the state licensing requires, attending multiple hair shows every year and staying on the cutting edge of an everevolving profession.

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do. Don’t be a victim of your circumstances. No matter how bad you think you had it, someone had it worse.” Carol believes what you get out of life has a lot to do with your attitude and the choices you make. “You have to focus on a goal- just one goaland work hard to complete it.”

From someone who struggled and has come out the other side, happy and accomplished, it is advice worth taking.

wanted to be a stylist, it didn’t take her long to realize she had stumbled upon the right vocation for her life.

Knowing what it is like to grow up in a chaotic environment, Carol has valuable advice for those who are coming from a similar situation, whether or not cosmetology is a career goal. “Don’t give up. Don’t ever give up on what you want to do.

Don’t let anyone tell you what you can or cannot

Carol is looking to add to the staff at the salon and is excited that November is a milestone for Studio CSM. The 24th of November is her 5th year in business!

The salon carries several lines of professional tools and products. If you would like to contact Carol, Carrie or Darla, Studio CSM's hours are Tuesday thru Saturday by appointment. You can call them at 937-599-4CSM or 937-599-4276.

They are located at 834 N. Main in Bellefontaine.§

Fa s t , P r o f e s s i o n a l , Affordable

Hundreds of Satisfied Customers all over Logan County

Caleb Roberts (937) 626-4106 10

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Maxine Wingo Story by Stacey Longshore

At 95 years of age she still has got what it takes to be an excellent employee!

Maxine Wingo is a local resident who is 95 years old, although not for very long. Maxine will turn 96 on November 23rd! It is pretty impressive that she is 95, but what is more impressive is that she still works five days a week! You may wonder how anyone could work for so many years and still enjoy what she is doing. Maxine is a woman that believes in working hard, serving others, and doing her job with excellence, and she still enjoys what she is doing.

Some people have an internal drive that just doesn’t let them quit. Maxine has always been one of those people and she has always been a hard worker no matter what the job was in front of her. She believes that she should be working and doing her job right so that she is making a positive contribution. Even after retirement, Maxine felt the need to continue working. So she applied with Green Thumb, a seniors work program, and began working serving congregate meals. She soon found that she loved doing this work and felt again that she was making a positive contribution to her community.

Maxine currently works with Tri-County CAC. Amazingly, this is her 28th years working at a congregate site since she retired. She is now working at the

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Patterson Café congregate site. This service provides meals to the elderly in the community, most of whom are younger than Maxine. Maxine is in charge of serving meals five days a week and currently works 18 hours each week. Maxine is very capable and had many responsibilities at her congregate site. A person may wonder what it takes to do such an amazing job for so many years. Maxine’s employer and fellow co-workers could tell you exactly what it takes by looking at her life!

Although Maxine has had to overcome many obstacles to continue to work, she chose to work.

Not working was never an option for her. Maxine has never had a driver’s license but, she always chose to work and she always made it to work.

She walked on nice days and arranged her rides on days that were too cold to walk. Not being able to drive was never an excuse for her to miss a day of work. She is one of the most dependable employees the organization has ever had. Even during times of personal illness, Maxine hated to miss work and was always anxious to get back to work.

Within her is an amazing sense of duty and service.

She hasn’t missed a day of work other than for personal illness. That is hard to find in employees these days. She is, without a doubt, one of the most dependable people the organization has ever had work for them.

Maxine is a very kind and caring person. She is so good at interacting with the other seniors that come in for their meals. She always greets those who come in for their meal and she makes everyone feel welcome and cared about. She goes the extra mile to let people know that she cares about them and their well-being. If members have missed a day or two of meals, Maxine will give them a call to check on them. She will call to remind members

that they can still come and get their meals if she hasn’t seen them in a while. This goes above her job requirements. She is not asked to make phone calls, but because she is such a hard worker and she cares, she does it.

Maxine would say she is just doing what she feels she should be doing as an employee, but it really is quite extraordinary to find this quality in an employee! She doesn’t just come in and do what is required of her, she does what she feels needs to be done even beyond her job requirements.

Another quality that sets Maxine apart is that she is so sharp. Maxine has many responsibilities on her job. She is in charge of the meals for her congregate site which means she sets the tables, heats meals and checks their temperature, and then she cleans up after. She makes coffee for members to drink with their meals and while serving she is sure to make conversation asking everyone how they are doing. After the meal, Maxine finishes up by clearing tables and washing dishes. Maxine also knows how to use their multi-line phone system, answering calls, placing people on hold, and transferring calls. Those phone systems can be a challenge for anyone, but not Maxine because she pays attention to details and she wants to do things right! She also stays current and tends to know what is going on in the community, around the world, and even current fashion trends! Because she makes an effort to stay current, she will continue to be a competent worker.

Maxine has so many wonderful qualities, but what really sets her apart is that she wants to do her very best every day. Every day at work her effort is 100%. She never has to be reminded to do any part of her job. Maxine is so accurate and concise that she never forgets what needs to be done. She is not late for work and would never ask anyone else to do her job for her. She just has this innate desire to do her best and it doesn’t matter if she isn’t feeling the best, she will continue to give her very best. It would never cross her mind to do any less!

Maxine would never be the person to talk about herself or think she has done anything remarkable.

When asked what keeps her going and serving on her job, she simply said, “It is just something I have always done.” It is this attitude that has made her such a remarkable employee! Every quality she possesses makes her completely wonderful. All that have the privilege of knowing Maxine love her and want to do whatever they can to help her. At 95 years of age she still has got what it takes to be an excellent employee! §

COMMUNITY EVENT/// Christmas in the Park Date: November 29, 2013 - December 1, 2013

Location: Indian Lake State Park Campground, Indian Isles and Long Island

Date/Time Information: November 29th through December 22nd, 2013 on weekends only

Event Description: Christmas Lights throughout the Indian Lake State Park Campground sponsored by the Outreach Program on weekends in December.

Christmas lights on Island Isles and Long Island every night in December.

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Give Thanks to your Insurance Agents When is the last time you thanked your insurance agent?

Out of curiosity I conducted a search for Hallmark holidays and occasions to see if there were any Hallmark Holidays for Insurance Agents. After multiple searches and talking to Hallmark, the only occasion close was Bosses Day. So I thought I would create my own article on why people need to give a BIG THANK YOU to the insurance professionals that graciously provide security to their finances, homes, vehicles, businesses, farms, health, and precious loved ones.

Who knows more about you? If your property, auto, health or life insurance is with the same agent, chances are that AGENT knows more about you than your doctor, accountant, or attorney.

Reason why? That agent knows your driving history, credit stability, claims history, health diagnosis and treatment, and family information and their contact information, and much more. And guess what those other professions are fee based; agents have to earn your respect and trust.

Do you “shop” your insurance?

Most households shop their insurance every few years, depending on their particular situation. You, the consumer have some time involved in just calling to provide information to multiple agencies or filling out quote forms on line. The agent has to take your information run it through their quoting system, analyze the households situation, driving record, credit history, claims history, property inspection, etc. and then create an ultimate solution.

I think most people think an agent can throw some quotes back in 2-3 minutes. Unfortunately, that fails to be true. Agents spend a lot of time making sure you have the coverage you desire and to do that, Agents must know you. In order to get to know a client an agent has to ask lots of detailed and direct questions. No need to be disgruntled at the agent as that is our job and many times the company underwriters require more information.

Agents can spend weeks preparing various proposals for the client whether it is for a fleet of vehicles, packaging personal insurance, a business prospect, group life and health products, and/or other various insurance needs. Now, here is the ultimate question. What if you went to work and

//ASK THE EXPERT Insurance See Annetta Chappell at the A.C. Agency, she can help you with your needs in Auto • Home • Farm • Commercial • Life • Health • Disability Income • Annuities • College Preparation 920 N. Main St., Bellefontaine (937) 593-4444

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worked extremely hard every day. How long would you be working there if you failed to “wow” your boss enough to get paid? In essence, insurance is the same way. Agents work hard to earn the consumer’s respect and trust but in the end, the consumer decides on one agent and that agent gets paid.

R-E-S-P-E-C-T Please be patient and respectful to insurance agents and the best way to do that is to have your information ready to give to the prospective agents. This includes: being honest about driving history, claims, people living in the household, and working for you; driver’s license numbers; date of birth; social security numbers; current coverage; VIN numbers on vehicles just to get started. If the client is prepared then proposals can be created much easier and that saves the client and agent valuable time.

Selecting your insurance agent is still a FREEDOM of CHOICE and most insurance agent services are FREE!!!! So as this Season of being Thankful is upon us…..give thanks to your Insurance Professionals.

I am an Insurance Professional and we are in the business to help YOU! §

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Business Story///

Dance Fuzion Studio Story by Stacey Longshore Many people dream of owning their own business and sharing with others their love and passion for what they have to offer. Amber Foulk of Dance Fuzion Studio is currently doing just that. She dreamed of opening her own dance studio so that she could share her passion for dance with all who desire to learn. Now in her fifth year as a studio, Amber at Dance Fuzion, has so much to offer those in our community.

Amber grew up with a love for dance and movement. She began taking classes at the early age of five from Lile School of Dance. She quickly fell in love with dance and knew it would be something she would want to continue throughout her life.

She took classes through her school years, as well as, cheered and she began to dream about one day opening her own studio and teaching others.

After school, she married and began a family but her dream to open a studio was something she just couldn’t let go. So, with a passion for dance, her experience, and her family behind her, she decided to go for it. The studio first opened with a partnership nearly five years ago and she has now been on her own for the past year.

Dance Fuzion offers a variety of dance classes for students of all ages. Currently students can choose from tap, ballet, jazz, lyrical, hip hop, all boys hip hop, cheer and tumbling. These classes meet once weekly for an hour and are meant to introduce stu-

dents to various styles of dance. Students learn skills and routines that they share at Christmas time and at the end of the year in a performance. The studio also has two dance teams that students can join.

Their performance team meets for two hours every week for hip hop and ballet classes. The students learn routines together to share at various events.

This team performs throughout the years at parades, fairs, and half-time shows. The other team is the competition team. Competition meets for six hours each week and dance tap, jazz, ballet, lyrical, and hip hop. The students learn a variety of routines that they use in competitions, which are typically held three times a year. This team also has received opportunities to travel and give special performances.

They have performed at the Orange Bowl and Disney in the past.

There are also adult dance classes available at the studio. At this time they are offering ballroom dancing and Zumba with certified instructors that come into the studio from the area. Anyone wanting to try a class out can simply contact the studio.

Classes are fun and professional, and all are encouraged to try it out! Amber offers three free classes to all new students to help find the right fit for you or your little ones.

To keep her dance teams current, Amber does travel to New York during the summer to take Master classes from choreographers. She loves coming home and putting together what she has learned and sharing it with her current classes.

To try one of the classes offered at Dance Fuzion, you can email or call the studio at 937593-7837 or amber.foulk@yahoo.com You can also follow Dance Fuzion on Facebook to keep up with what is new or to see upcoming events.

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Veterans Day Questions & Answers

Q. Who is a veteran?

A. "Veteran" is an honored title which must be earned by military service in the armed forces of the United States. It labels men and women from all walks of life and backgrounds who put their lives on the line to protect our Nation's freedoms and those of freedom-loving people around the world.

For VA purposes, a "veteran" is someone who meets the criteria established by Congress for eligibility for VA benefits. That usually means someone who has (1) completed his or her initial term of enlistment, and (2) received an other-thandishonorable discharge. There are rare circumstances when someone did not complete his or her initial enlistment, yet still are eligible for VA benefits.

To the general public, the term "veteran" usually refers to anyone who has served in the military.

The term Veteran means a person who served in the active military, naval, or air service, and who was discharged or released from the service under conditions other than dishonorable.

Q. What does Veterans Day celebrate? Who does it honor?

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A. Originally, as Armistice Day, it celebrated the end of World War I - the most costly and terrible war up to that time - and the men and women of the U.S. armed forces who helped win that war.

Later, as an official federal holiday Veterans Day was set aside to honor all American veterans of war and peacetime.

And though many have died defending our Nation and serving it wartime, Veterans Day's focus is on honoring the 25 million living veterans among us... our parents, uncles, friends and neighbors - ordinary citizens called upon to perform extraordinary service. On Veterans Day we celebrate their patriotism, service and sacrifice.

Q. Can you name some freedoms that Americans enjoy that we owe to our veterans?

A. We owe this country's very existence and all the freedom's it guarantees to our veterans -- the right to choose our own government through elections; freedom of speech, religion and assembly - even the right to choose not to become a veteran.

Do you think we owe a debt of gratitude to veterans because their sacrifices on and off the battlefield have ensured the freedoms we take for granted?

Certainly we owe our veterans gratitude, and much more. They have distinguished themselves through their willingness to risk life and limb in defense of the freedoms we cherish, though sometimes take for granted. I am honored and privileged to lead the Cabinet Department of our federal government charged by Abraham Lincoln to redeem our Nation's debt to liberty's defenders.

We owe them our full support, and our sincerest thanks, not just on Veterans Day but every day.

Q. Why is Veterans Day celebrated on November 11 at 11 a.m.?

A. That date and time in the year 1918— the eleventh hour of the eleventh day of the eleventh month - marked the signing of the Allied and German governments of the Armistice agreement that ended World War I, a terrible and costly war that ravaged Europe for four years. That was marked by Armistice Day which later became Veterans Day. Paint a word picture of the Veterans Day ceremony at the Tomb of the Unknowns in Arlington. Who do you see? What do they do? Tell me what the President does.

The heart of the national Veterans Day ceremony is the laying of a wreath at the Tomb of the Unknowns exactly on the 11th hour of the 11th day of the 11th month. The Memorial Plaza on which the white granite tomb rests overlooks the Nation's capital.

The Tomb is protected by members of the elite military honor guard 24 hours a day, seven days

a week throughout the year regardless of weather conditions. Dignitaries from the federal government and the military and veterans service organizations flank the President in front of the Tomb.

At exactly 11 a.m. he steps forward, presents the wreath at the Tomb's base and places his hand on his heart. There is utter stillness and then the honor guard bugler plays the haunting refrain of Taps. It is a poignant moment that symbolizes our Nation's respect and honor for those who have served and the many who have sacrificed.

Q. What does the American Flag symbolize on Veterans Day?

A. As a federal holiday, all citizens are encouraged to fly Old Glory on Veterans Day. The flag represents the unity of our Nation and on Veterans Day flying it represents a Nation's love and respect.

Q. Can you tell me about the holiday's roots in Armistice Day?

A. In 1921, an unknown World War I American soldier was buried in Arlington National Cemetery.

Similar ceremonies were held earlier in England and France, where an unknown soldier was buried in each nation's highest place of honor (Westminster Abbey in England and the Arc de Triomphe in France). Each ceremony was held on November 11th in honor of the Armistice and the day became known as "Armistice Day." The site of the American "Tomb of the Unknown Soldier" at Arlington became the national focal point of reverence for America's veterans.

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Q. When did Armistice Day become a national holiday?

11th was a date of historic and symbolic significance to Americans. In 1978, Congress returned Veterans Day to its traditional date. ยง

Armistice Day officially received its name by Congressional Resolution in 1926. It became a national holiday 12 years later by similar Congressional action.

When did Armistice Day get changed to Veterans Day?

Within a few years of Armistice Day becoming an official national holiday, war broke out in Europe and the U.S. entered World War II. After the war, as early as 1947, communities began honoring the millions of World War II veterans who returned on Armistice Day and many referred to the celebrations as Veterans Day to include those veterans of World War II. U.S. Representative Edward Rees of Kansas proposed a bill to change Armistice Day to Veterans Day. It was passed in 1954 and signed by President Eisenhower.

The only other change came in 1968 when Congress passed a law moving the Veterans Day federal holiday to the fourth Monday in October. It soon became apparent, however, that November

COMMUNITY EVENT/// 2013 Logan County Hometown Christmas Parade Date: December 6, 2013 Time: 6:00 PM - 8:00 PM Event Description: 2013 Logan County Hometown Christmas Parade Beginning at the corner of Colton Ave & Main St and traveling through the Downtown Bellefontaine Historic District

937-599-4221

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Juggling the

Challenges

of the

Sandwich Generation

provided courtesy of Eric J. Haubert Senior Financial Advisor

Life expectancies are almost five years longer today than they were 30 years ago¹

Still, there is good news. Consider the following four steps as you map out a strategy to help balance your family obligations without sacrificing your own financial security.

— a fact that increases the likelihood you will provide some form of support for aging parents — through home care, helping out with day-to-day chores and errands, or even covering living expenses. That role can make significant demands on your time, energy and financial resources.

The challenge is even greater if you’re also dealing with raising and educating children, or perhaps helping a new graduate get a start in the world.

“While you may want to provide for everyone’s needs, it’s probably not possible,” says Deborah Eickhoff, vice president, High Net Worth Planning Group at Wells Fargo Advisors.

1.Prioritize your expenditures.

Taking care of your parents and children at the cost of your own long-term financial security is counterproductive. Bear that in mind when you’re deciding whether you can afford to give your children the luxury of a debt-free college education while simultaneously financing the cost of the nicest retirement home in the state for your parents.

“Remember, you might not have the help in your own retirement that you are giving others,” Eickhoff cautions.

//Ask the expert Financial Katterhenry Investment Group 800-593-4627 http://www.katterhenry.wfadv.com/ Locations in Bellefontaine, Troy, and Minster

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“People assume they have to take everything on themselves,” Eickhoff says.

“They don’t. They should ask for help.”

Investors who begin setting up retirement plans in their 20s have different outcomes from those who begin in their 40s, Eickhoff notes. Regardless of where you are in that timeline, put your future first when considering how to juggle family obligations.

“Start by creating your own retirement plan,” Eickhoff says. “Once you have that plan in place, you can figure out what you can actually afford to do for your kids and your parents.” A Wells Fargo Advisors Financial Advisor, using the Envision® investment planning process, can help you create this plan and show you how helping kids and parents affects it.

2. Assess the situation.

Develop a clear understanding of your role in your parents’ care and the finances that will have to support it. Start by getting a handle on your parents’ resources and current living costs, and try to estimate what the outlays will be down the road.

Long-term care costs vary by state, so if you and your parents are considering assisted living or home health care, you will have to do some research for the state where they expect to retire.

3. Make the most of financial resources.

Spend and invest every dollar where it will do the most good. Use budgeting software to track your and your parents’ spending, and look for areas where you can cut back without inflicting too much pain. Contributions to 401(k)s, IRAs and 529 college savings accounts offer tax benefits that can help your savings grow more quickly. Longterm care insurance, which can help cover nursing home and home health care expenses, may be worth considering for your parents — or for you.

Eickhoff notes that premiums on such policies rise sharply for older buyers, but the coverage is more affordable for people in their 50s and 60s.

4. You have support.

You don’t have to do the heavy lifting alone.

Reach out to other family members. They may have different ideas about how to help your parents, so discuss the level of care your parents need and define your respective roles. It’s important to discuss details such as how much time, energy and money each of you is willing to contribute to help your parents. Resources such as Eldercare.gov, Caregiver. com and Medicare.gov can provide useful information and contacts.

If you are an only child facing these challenges, reach out to friends, colleagues, neighbors and extended family for help. Regardless of your family’s size, know that you can find assistance to help you manage.§

¹National Vital Statistics Report 2011, http://www. cdc.gov/nchs/data/nvsr/nvsr60/nvsr60_03.pdf.

This article was written by Wells Fargo Advisors Financial Advisors, LLC, and provided courtesy of Eric J. Haubert, Senior Financial Advisor, in Bellefontaine, Ohio, at 800-593-4627.

Investments in securities and insurance products are: NOT FDIC-INSURED/NOT BANKInvestment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN), Member SIPC. Katterhenry Investment Group is a separate entity from WFAFN. ©2013 Wells Fargo Advisors, LLC. All rights reserved. SM Ghostwritten Article e7654 - 0413-00919 [91281-v1] 04/13 bellefontainemagazine.com

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The Thrill of the Hunt Story by Caleb Roberts

Just as you’re reaching up to swat at a mosquito in your ear, a buck trots out of a wild rose thicket onto the edge of a cornfield 20 yards upwind of where you’re sitting. The male whitetail deer is sporting a wide rack of identical five-pointed white antlers. Your breathing stops and time seems to stand still. Unsure of what to do, you decide to wait and see if he’ll turn away. The two does he’s been chasing, the ones you passed up a few moments earlier when they emerged from the same thicket, look back at him from atop a small rise, their dark forms silhouetted against the salmon and orange colored pre-dawn sky. From your hiding place you watch them turn and bound away, first one and then the other, down and out of view towards the far side of the field. The buck takes a few more tentative steps away from you, out into the harvested field, dry leaves and cornhusks crunching crisply beneath his hooves. He turns his head this way and that, a king surveying his kingdom. His flared nostrils expel little white clouds of breath as he tastes the morning air; the smell of spilled corn and hickory nuts, the scent of rival bucks, and finally the does in heat. You sense that he’s about

to continue his chase so you raise the grunt call to your lips and let out a short gravelly grunt. The deer tenses and turns toward you, snorting and scraping the ground with his hooves. It’s now or never.

In one fluid motion, heart pounding in your throat, you draw the bow and bring the buck into your sights. He catches your movement and his eyes widen in alarm. His namesake tail flies up, revealing its white underside. Just before he turns to run you let your arrow fly with a dull twang.

If you’re anything like me, the above account of an encounter with a whitetail deer gets your heart racing and your hand itching for your gun or bow. Every September, when the heat and humidity of the summer begin to fade away and the leaves start to turn, my thoughts turn to the woods. No matter where I am in the world or what I’m doing, I find myself dreaming of the beautiful hills and fields of where I grew up in northern Logan County. If you’ve ever sat alone on a quiet autumn evening and watched the setting sun ignite the forest around you into a blaze of reds and golds; or been out before dawn on a snowy morning, listening for the soft crunch of hooves as the world slowly wakes up, then you’ll know what I’m talking about.

I’m a hunter, but more than that, I’m in love with nature.

Everyone has a different story of how they got into hunting, but I think a lot of them might go something like this: My father was an avid hunter and I always wanted to hunt and when I got to be eight years old he bought me a gun and took me

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with him and I’ve been a hunter ever since. It’s a good story, but it’s not my story. I don’t come from a family of hunters; my dad doesn’t hunt, my older brothers don’t hunt. What I do come from, and I thank God for it, is a family that loves to be outside.

Some of my earliest and fondest memories are of my brothers and cousins and I roaming the woods around the family farm playing cowboys and Indians, bank robbers, war, or whatever we could make believe at the time. Fallen trees were forts, gullies were unassailable moats and any crooked stick was a gun or bow-and-arrow ready for action. Our dad would take us on epic hikes to a hidden pond every Christmas break and we would stop to build huge castles in the snowdrifts.

He would teach us the names of all the trees as we marked some for firewood in the fall and helped us find morel mushrooms and black raspberries in the spring and summer. It was those experiences that taught me to prize the beauty and wonder of wild places. So long before I ever had a gun in my hands I had discovered a lifelong passion for the outdoors that is the basis of my love for hunting to this day.

To be a hunter is simply to be on a quest for something. Everyone who hunts has something in mind that they’re after- be it food, a trophy for the wall, or simply the challenge and thrill of the hunt- something is worth getting out of bed for at such a ridiculous hour. Those things come and go and to me, maybe to you too, they’re just the icing on the hunting cake. Over the years I’ve had successful hunts and not-so-successful ones, but I’ve found one thing to be true no matter what: If you walk out into the woods at this time of year looking for peace, solitude, excitement and breathtaking beauty, you’ll never go home disappointed.§

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SilverSneakers Get Involved By: Amanda Watkins

Did you know, thousands of individuals in Logan County are able to participate in Y programs and exercise for free through the program SilverSneakers? SilverSneakers is provided to individuals age 65 and above through different health plans provided throughout the country.

Our own SilverSneakers members have used the program to get back into shape and for some rehabilitate from a life changing event. Four years ago Max Pummel suffered from a debilitating stroke. After his stroke Mr. Pummel lost the use of his left arm, hand and the ability to walk.

After time in the hospital, the doctors told him he had to take physical therapy to regain the use of his arm, hand and hopefully to one day walk again. After a year of physical therapy Mr. Pummel was on the road to recovery, he was able to do many of the things he had been able to do before his stroke and most importantly he had regain his ability to walk. Although he had made strides in his recovery, Mr. Pummel was still unable to use his left arm and hand and his insurance was no longer willing to pay for the physical therapy.

During this time a neighbor of Mr. Pummels, who was a member of SilverSneakers, gave him and his wife passes to visit the YMCA and participate in the SilverSneakers program. After participating in SilverSneakers a few times Mr. Pummel was hooked.

Within six months of being in the SilverSneakers program Mr. Pummel saw improvements that he hadn't seen even during his time in physical therapy.

This October will mark four years since his stroke, and two years since becoming a SilverSneakers member. Now days Mr. Pummel has regained the use of his left arm and hand, something that he was unable to do during physical therapy, but due to hard work and working with SilverSneakers

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he has been able to accomplish. Through his time at SilverSneakers Mr. Pummel has improved his physical health and well-being.

SilverSneakers was created so older adults could take control of their health but for many, SilverSneakers at the Hilliker Y is so much more than working up a sweat. SilverSneakers provides a chance to get involved in their community and provides an environment where they can come together and enjoy each other’s company. For more information on the SilverSneakers program call 937-592-9622 or stop by the Y today.§

Visit the Hilliker YMCA at 300 Sloan Blvd.

Hours of Operation

Monday - Friday: 5:00AM - 9:00PM Saturday: 7:00AM - 5:00PM Sunday: 12:00PM - 5:00PM The pool opens 30 minutes after opening Mon - Fri and closes 30 minutes prior to closing Sun - Sat.

Interested in growing your business?

Why join?

To network weekly with like minded local business professionals. To share ideas, strategies, and most importantly business referrals.

Come see how the “Givers Gain” philosophy can add revenue to your business.

Fa s t , P r o f e s s i o n a l , Affordable

Logan County Chapter Meeting

EVERY WEDNESDAY 7:30–9:00 a.m.

Homecoming Restaurant (1330 U.S. 68 N) Bellefontaine, OH 43311 VISITORS WELCOME!

Hundreds of Satisfied Customers all over Logan County

Caleb Roberts (937) 626-4106 bellefontainemagazine.com

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Whitmore House The Logan County Area Chamber of Commerce

October's Business / Entrepreneur of the Month

weren’t the best. They are the leaders of tomorrow but need the wisdom and help from the leaders of today.

The Whitmore House business model is simple.

Provide products and services that exceed the clients’ expectations all with a personal touch. Word of mouth is the best advertising. With great staff, who also serves as the sales team, they are blessed and grateful to call Logan County home.

Sandy is a very active member of the Logan County Community. She is currently on the Logan County Area Chamber of Commerce Board of Directors, Chairperson of the Logan County Visitor’s Bureau Council, member of the Bellefontaine Rotary, sits on the Logan Acres Foundation board, is a member of the Ohio Hi-Point Culinary Arts Advisory Board and is very active in helping the youth of Logan County. She also was the 2008 recipient of the Logan County Area Chamber of Commerce Integrity in Business Award.

When asked why they became members of the Logan County Chamber, Sandy said “The Chamber is a group of people who want the best for their community. The connections I have made through the Chamber have helped me not only as a business but as a individual grow into a better person to serve my community. You are known by the company you keep, was an adage of my parents, and I know I chose well when I joined the Chamber.”

Whitmore House was opened by Sandy and Carey Musser in December of 1987 as a Bed & Breakfast. Throughout their 26 years in business they have added reservation only dining and complete catering and event planning with full restaurant services. Employees of Whitmore House include Dale Gildow and Kelly Cronkleton with other numerous employees.

For more information about Whitmore House contact Sandy at 937-592-4290 or email her at info@whitmorehouse.com. Please join us in thanking Sandy and her team for their commitment and dedication to Logan County!§

Sandy loves working with the young people of Logan County. She believes that there is a special talent in everyone and sometimes it takes a little longer to get them to realize it. In today’s world it is a challenge to develop positive attitudes and work ethics when people are bombarded with so many things. Making choices that will determine their future path is important and everyone must work together to help them even if some of the choices bellefontainemagazine.com

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Take your business local.

Get your story in the Bellefontaine Magazine today.

Call Rachel 937-539-2224

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