January 16, 2024 — Fishers

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SPACE TO MAKE Fishers Parks offers equipment, training to turn visions into reality / P10

Amateur radio club connects area listeners / P2

Man charged in Fishers gas station robbery / P3

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January 16, 2024

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Founded Jan. 25, 2011, at Fishers, IN Vol. XIII, No. 50 Copyright 2023 Current Publishing, LLC All Rights Reserved.

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Amateur radio club connects area listeners

By Tirzah Rowland news@curreinfishers.com Piglet Radio isn’t the only local club for amateur radio enthusiasts, but its goal is to promote the long-disBROADCASTING tance hobby by frequently bringing its members together.

The club was launched in summer 2022 by Hamilton County residents Chris Pacovsky (call sign W9CZK), Alexandra Auvinen (AC9XK), David Estes (KC9AAP), Derek Fronek (N9TD) and Scott Messick (W95DM). Piglet Radio (N9BCN) wants to grow membership and interest in the hobby through events, online forums and monthly meetings.

“We wanted something different,” said Pacovsky, Piglet Radio’s president. “We wanted a radio club with a more pronounced social aspect and comradery along with a technical focus.”

Thirty members strong and growing, the club is a space for amateur radio enthusiasts to discuss and develop ways to use the radio frequency spectrum to communicate, often with people around the world through purchased and self-made equipment.

Pacovsky, a Westfield resident and homeschool father, sees it as a family hobby and wanted a place that could be a “safe harbor for all ages,” he said.

“It’s slow and organic,” Pacovsky said.

“Learning from each other is different than reading a book.”

The name Piglet Radio is a play on the traditional word for an amateur radio operator, ham, and a nod to many of its members.

“We are a young group,” said Pacovsky, emphasizing that the club is open to all ages and anyone eager to learn. “Our monthly meetings are a starting place to get together and learn about every aspect of the hobby.

We want to provide connections for deeper understanding.”

While many amateur radio clubs focus on emergency management, Piglet members have interest in a broad range of topics from 3D modeling, engineering, Morse code and how radio impacts technology.

“We are never bored. There are so many aspects to it. Limitless things to do and great people to do it with. We are always changing and trying to improve what we do,” said Derek Fronek, a founding member and Carmel High School graduate.

Pursuing an electrical engineering degree at Purdue University, Fronek is president of the Purdue amateur radio club (W9YB). He credits amateur radio for providing a social

Derek Fronek, a Carmel High School graduate, (N9TD) and Robert Kirkman (KD9MAK) operate a portable amateur radio station for a POTA activation. (Photo courtesy of Piglet Radio)

outlet while honing technical skills.

“This is a gratifying hobby with an element of mystery,” Fronek said. “Gratification in technical problem-solving and the mystery of who you will communicate with.”

Pacovsky agrees.

“It’s fun to turn on the radio and see who you’re going to get on the other side,” Pacovsky said. “Sometimes, you make a new friend. It might be someone across the world just wanting to chat.”

Club membership provides resources to pursue and develop in the amateur radio sector, and donations help pay for expenses and FCC licensing.

Piglet Radio, along with other area clubs, will assist Hamilton County Emergency Management during the influx of people expected for the solar eclipse in April. They are also called on to help spot storms and aid in communication for other emergency response situations.

“Radio is the backbone and fail-safe of communication,” Pacovsky said. “The airwaves are going to be there, point-to-point.

We don’t need to rely on public infrastructure. We don’t have very large transmitters and most people operate with 100 watts or less. There are hobbyists who challenge themselves to communicate globally with as

little transmitting power as possible.”

Members have mobile units for their radio communication equipment. Fronek said working on mobile units is “fun and allows us to do other activities without needing to be at home.” His highlights include monthly transmitter hunting, campouts and field days.

The group routinely activates state parks in a global program called Parks On The Air. “Our hobby is ingrained in STEM. You can purchase a $10 radio or build up to a superstation,” Pacovsky said.

To connect with the community, Piglet Radio recently hosted a soldering event at Carmel Clay Public Library and will host an introduction to 3D modeling at CCPL in February.

“Piglet Radio reached out to us about coordinating an educational workshop for the community that would teach our patrons about the history and usefulness of the ham radio hobby,” said Kendall Culbertson, CCPL adult services assistant manager. “We saw it as a great opportunity for our community members to learn about something that might be new to them. The members of Piglet Radio are so kind and very passionate about what they do and sharing it with the community.”

Learn more at pigletradio.org.

GET TO KNOW PIGLET RADIO The mission: Piglet Radio Inc. aims to provide a welcoming and inclusive community for individuals interested in radio communications and to foster education, innovation and exploration in the diverse aspects of amateur radio, according to its website.

Ways to connect: Monthly meetings, open to the community, at Wolfie’s Grill, 1162 Keystone Way South in Carmel 6:30 p.m. on the third Monday of every month.

The Piglet Radio winter field day will be open to the public from 5 p.m. Jan. 27 until

5 p.m. Jan. 28 at Osprey Point Pavilion, 19777 Morse Park Ln. in Noblesville. Anyone interested in learning more about the amateur radio hobby is welcome to attend. The event will include competitions, demonstrations and time for interaction and questions. Contact Piglet Radio for specific event times.

Introduction to 3D modeling from 1 to 3 p.m. Feb. 3 at the Carmel Clay Public Library, 425 E Main St. in Carmel.

There will also be a national day for simulated emergency response in April.

January 16, 2024

COMMUNITY

Man charged in Fishers gas station robbery

Current in Fishers currentinfishers.com

CITY OF FISHERS

news@currentinfishers.com A 34-year-old Indianapolis man faces felony charges of robbery and theft following an early morning robbery Jan. 3 CRIME at the Circle K gas station at 9611 Allisonville Rd. Michael Schupay was booked into Hamilton County Jail after police used surveillance cameras to track him to the Horseshoe Casino in Shelbyville.

According to a news Schupay release from the Fishers Police Department, officers responded to the report of a robbery at 5:55 a.m. Jan. 3.

“The accused threatened to shoot the employee if he was not given the money and implied he had a weapon in his waistband,” the news release stated. “The accused stole an undisclosed amount of money. The employee was able to call 911 after the accused fled the scene.”

The gas station employee was not harmed.

According to FPD, surveillance video allowed officers to identify the suspect’s vehicle, and street license-plate reader cameras helped locate the vehicle at the Horseshoe Casino.

“With the assistance of the Indiana Gaming Commission and Shelbyville Police Department, the accused was taken into custody and detained until Fishers Police detectives arrived to continue the investigation,” the news release stated. “Upon interviewing Schupay, he admitted to the robbery.

A search of Schupay’s vehicle located U.S. currency consistent with that stolen from the Circle K.” According to the Hamilton County Jail website, Schupay was booked at 10:19 a.m. Jan. 3.

He was in custody at deadline for this report.

A bail amount had not yet been determined.

DISPATCH City of Fishers seeks communications intern — The City of Fishers is hiring a college intern majoring in Communications, Public Relations, Journalism, Marketing and related fields for the PR and Community Engagement Department. To learn more and apply, visit bit.ly/3RtISCF

Grant Snapshot Matching grant for HOAs and neighborhood groups within city limits Funding for creative and innovative ideas to make Fishers a more beautiful place to live The grant will provide an 80% match up to $25,000, and the applicants must provide 20% of the total project cost The grant accepts applications on a rolling basis and will distribute funds quarterly

First round eligibility deadline is January 31.

Apply at:

fishersin.gov/grants

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January 16, 2024

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Current in Fishers currentinfishers.com

New Pacers player jerseys will feature a QR code patch from Spokenote, which links to special Pacers content.

(Photo courtesy of the Indiana Pacers)

SCHEDULE OF EVENTS FRIDAY, JANUARY 19 Carmel Arts & Design District Freestyle Ice Carving on Main Street 4 – 8 p.m.

SATURDAY, JANUARY 20 The Ice at Carter Green Ice Carving Demonstrations 10 a.m. – 5 p.m.

People’s Choice Sculpture Voting noon – 9 p.m.

CFD Firehouse Chili Cook-Off 11 a.m. – 1 p.m.

Ice Skating, Food & Beverage, Live DJ 11:30 a.m. – 9 p.m.

Palladiscope: ‘Frost’ Launch 6:30 - 9 p.m.

SUNDAY, JANUARY 21 The Ice at Carter Green Speed Carving 10 a.m. – 2 p.m.

TheIceAtCarterGreen.com Official Sponsor of The Ice at Carter Green

Pacers partners with Fishersbased Spokenote news@currentinfishers.com The Indiana Pacers and Fishers-based Spokenote have joined forces, making the technology startup the TECHNOLOGY basketball team’s official jersey patch partner, offering a QR code patch on players’ jerseys.

According to a Pacers announcement, the partnership makes the Pacers the first major U.S. professional sports franchise to sport a QR code jersey patch.

The Spokenote code, located on the front left shoulder of the Pacers’ regular-season and postseason jerseys, unlocks special Pacers content for fans. The announcement stated that the Pacers debuted the new jerseys during a home game Jan. 3 versus the Milwaukee Bucks.

“We are thrilled to have Spokenote as our jersey patch partner, and their innovative product will allow us to engage our fans in many new and different ways,” President and Chief Commercial Officer for Pacers Sports & Entertainment Todd Taylor stated.

“We are extremely proud to assist a local startup on its journey to becoming a widely known consumer brand.”

Spokenote CEO and founder John Wechsler, who also founded the coworking space Launch Fishers, stated that Spokenote is happy to be the Pacers’ jersey patch partner.

Spokenote technology allows users to pair videos with a unique QR code that enables individuals to connect digital memories and messages to a physical Spokenote sticker with its own digital landing page, according to the announcement.

Those stickers can be placed on thankyou notes, greeting cards and home deliveries, among other items, providing a quick link to videos and other content.

January 16, 2024

COMMUNITY

Current in Fishers currentinfishers.com

HEPL board ratifies revised collection policy

YOUR JOU R N EY B EGIN S AT. . .

By Elissa Maudlin elissa@youarecurrent.com The Hamilton East Public Library Board of Trustees ratified its revised library collection policy during its Dec. LIBRARY 21 meeting. The policy was revised in November.

The revised policy states that patrons can request reconsideration of specific items in the collection within a specific collection/location at the library by completing a Request for Reconsideration Form online or at any library location. The library director, along with the manager and selection librarian, will review the request and the director will respond to the request within six weeks.

“The material remains in the collection during this review,” the new policy states.

“The material will be reviewed in its entirety and not on portions taken out of context.”

If the requestor does not find the director’s response acceptable, the board will appoint a review committee to read, view or listen to the material. The committee consists of a librarian on the library staff, a current board member and a local citizen not affiliated with the library and appointed by the board.

The policy states that the committee will have reasonable time to read, view or listen to the material in question, and will make a formal recommendation to the board. The board will consider the recommendation and the original request before making a final determination.

In November, board Vice President Michelle Payne — who was secretary at the time — proposed an action plan for the collection development policy following a survey of patrons. She stated that in 533 survey responses, “Stop book banning/ censorship/Improve board/Trust librarians” were recurring themes.

The HEPL board already had suspended and then rescinded a controversial policy that led to library staff removing numerous books from the teen section and reshelving them in the general/adult section of the library.

“The public has spoken on this topic — many times and in multiple formats,” Payne stated in her proposed action plan. “The majority of public comments this board has heard at meetings, plus the majority of emails we have received during the past

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apartments AND

cottage homes The Noblesville branch of the Hamilton East Public Library. (Photo courtesy of the Hamilton East Public LIbrary)

year, have indicated that patrons do not support the (reshelving) policy.”

Payne stated that some sections of the 2022ƒ policy should remain intact. For example, the policy provides information on the role of parents in the library.

“Parents should be aware that children have access to all materials in the library,” the policy states. “Library staff do not monitor or censor the reading selections of children. It is the responsibility of the parent to monitor their child’s access to materials while in the library.”

The policy encourages parents to accompany children in the library.

“Parents or legal guardians have the right and responsibility to determine what is appropriate for their own children,” the policy states. “The library relies on parents to be involved with their child’s use of the library and to guide their child’s selection of library materials in keeping with their family values.”

Payne also stated she wants to keep the inclusion of a review committee for the reconsideration request.

For solutions, Payne stated she wants to conduct a “parental responsibility” information campaign through library communications, among other solutions. She also stated material moved from the Teen Zone to the general/adult stacks could be reshelved as needed and as determined by librarians.

“We might never fully agree on revisions to this policy, yet all of us can agree to a fresh start,” Payne stated. “Then, we can truly work toward future compromises related to the collection and for the overall success of this library and its staff, management and director. It’s fiscally responsible and reasonable to act now, and our patrons will ultimately benefit from all of us moving forward.”

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January 16, 2024

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morning event. Eggs & Issues gives attendees the opportunity to hear about a variety of topics affecting area cities and towns, the county and the state. Through the new partnership all three organizations will look at trends and provide relevant speakers to their memberships. Eggs & Issues is sponsored by Church Church Hittle + Antrim, Duke Energy, Hamilton County Farm Bureau, Meyer Najem, American Bank of Freedom and American Sound.

Waterfowl workshop/training registration open — The Indiana Department of Natural Resources has scheduled a workshop for those who want to become qualified as Waterfowl Control Operators and conduct Canada goose management activities for hire during the 2024 season. The training is set for noon Jan. 24 in building 701 at Fort Harrison State Park. Those who have attended the workshop in the past may opt to test out.

Employees of WCO contractors are welcome to attend as well, but only those individuals physically conducting waterfowl trapping, transporting, relocating, and/or euthanizing for hire are required to attend. The workshop is free, but registration is required.

Contact Jessica Merkling at 260-244-6805 or jmerkling@dnr.IN.gov by Jan. 19 to register.

Pre-K Prom scheduled for Feb. 3 — Parents can get dressed up with their little one ages 3 to 6, and “Be Our Guest” at this Garage Cabinets themed dance hosted by Fishers Parks. The annual Pre-K Prom is set for 4 to 6 p.m. Feb. 3 at the Fishers Parks headquarters, 8100 E. 106th St. In addition to dancing and music, participants can visit with characters and Garage Garage Cabinets Cabinets take part in games, crafts, photo ops and Garage Cabinets more while enjoying refreshments and getting a keepsake photo taken. Cost is $25 per person. All attendees — children and parents or guardians — must be registered. To register, visit playfishers.com/602/Pre-K-Prom.

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Century Club picks fourth-quarter recipient — Fishers Century Club recently announced that Youth Mentoring Initiative was selected as the winning charity for December. The club is still tallying total funds raised from in-person and online Hobby Hobby Rooms Rooms contributions, Hobby Rooms but the donation is expected to exceed $3,000. The donation will support YMI’s services in schools within Hamilton Southeastern School District.

January 16, 2024

COMMUNITY

Current in Fishers currentinfishers.com

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Registration open for Geist Half news@currentinfishers.com Registration has opened for the 16th annual Geist Half Marathon, set for Sept. 14.

According to an anRUNNING nouncement from the City of Fishers, the 2024 race will include a return of the 10K option in addition to the 5K for those who don’t want to run the full half-marathon distance, along with a reimagined VIP and after-party experience.

Hosted by the City of Fishers in partnership with Vision Event Management and Meijer, the family-friendly race takes participants along Geist Reservoir with water views, tree covered trails, neighborhoods and scenic waterfront bridges.

Ginny Zimmerman is the new culture of health ambassador for the City of Fishers and race director for the Geist Half Marathon Race Series. She stated that she is happy to continue the city’s work establishing the Geist Half Marathon’s popularity.

“Our team is grateful to the community of previous board members, race organizers and past participants who have equipped us with insight to maximize our planning efforts,” she stated. “The course has histor-

The annual Geist Half Marathon, set for Sept.

14, takes runners and walkers on a scenic route that incorporates Geist Reservoir. (Photo

by Adam Seif)

ically been the right combination of challenging and beautiful, capturing panoramic views of the water along tree-covered trails.

With the success of last year’s race under our feet, bringing back the 10K was an easy decision to provide more distance options to participants.”

The City of Fishers is recruiting community volunteers to help make the event a success. Opportunities include packet pickup and runner services, on-course entertainment, course marshals and more. Volunteers can register at VolunteerFishers.com.

To learn more about the event and register for the race, visit GeistHalf.com.

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January 16, 2024

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Versatile senior helps propel Lawrence North basketball team

By Mark Ambrogi mark@youarecurrent.com Lawrence North High School basketball coach Chris Giffin views versatility as senior player Kobi Bowles’ biggest strength.

“He can play and/or guard four positions,” Giffin said. “He is an excellent ball handler and makes great decisions with the ball and is a highly efficient scorer.”

In addition, Giffin said Bowles is a very good defender.

“He has made great improvements on his poise and calmness during games,” Giffin said.

Bowles agreed with his coach.

Prior to Jan. 9 action, the 6-foot-2 Bowles was averaging 13.2 points and 2.7 assists per game. Bowles, in his third year as a starter, averaged 14 points per game and four assists as a junior.

“I’ve made the most improvement in my shooting and my overall strength,” Bowles said. “I put on some muscle this offseason to have an edge on my opponents and to make me more versatile on defense being able to guard positions one through four.”

Bowles is part of one of the state’s

MEET KOBI BOWLES

Favorite athlete: Kobe Bryant Favorite subject: English Favorite musician: Rio Favorite movie: “Batman: The Dark Knight Rises” better backcourts with junior Azavier Robinson, who averages nearly 20 points ppg.

Robinson has several major college offers, including in-state programs Indiana University, University of Notre Dame and Butler University.

“It’s been amazing playing with Azavier,” Bowles said.

Bowles said he and Robinson respected each other as opponents in youth league competition.

Kobi Bowles can play several positions for Lawrence North. (Photo courtesy of Max Schwering)

“We had some really great battles when we were younger,” Bowles said. “He’s al-

ways been a relentless player on both ends of the court, like myself, so having to match up against him (in practice) I believe makes us better each time. We push each other every day in practice, and I feel the whole state is seeing a reflection of that through our 10-0 record.”

Bowles said the team has improved in all areas.

“Adding (6-foot-8) Kai (McGrew) and also having (6-foot-7) Brennan (Miller) down low with him has been a blessing for us knowing how good our guard play is,” he said.

“We are still figuring out a lot and adjusting to each other, but as time goes on, we will become better.”

Bowles said he plans to play in college.

“I want to go as far as I can and be a pro, and my recruitment is open at the moment,” he said. “I’m hunting for the Division I level to maximize my potential.”

Bowles said he started out as a football player.

“But basketball was always right up there with it,” he said. “My obsession for basketball overtook mine for football after sixth grade, and I just started focusing only on school and basketball.”

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January 16, 2024

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Poster contest raises awareness news@currentinfishers.com Once again, the Indiana State Police is partnering with the U.S. Department of Justice in promoting the PUBLIC SAFETY 2024 National Missing Children’s Day Poster Contest for fifth-graders, according to an announcement from ISP. The poster contest is an opportunity for schools, law enforcement and parents and guardians to discuss and promote child safety.

The poster contest encourages parents, guardians, teachers and law enforcement officials to discuss and promote child safety and as a reminder to continue to support efforts to reunite missing children with their families and loved ones.

The poster contest is open to students in fifth grade. Each student is allowed to submit only one 8 1/2-by-14-inch poster with a brief artist bio; however, there is no limit on the number of posters a school can submit. Artwork can use acrylics, watercolor, pencils, charcoal, markers, spray paint, crayons and pastels, and the theme phrase “Bringing Our Missing Children Home” must

Welcome

Dr. Ken Stumpf The 2023 National Missing Children’s Day Poster Contest winner was Ayoub A. from New York.

(Photo courtesy of Office of Juvenile Justice and Delinquency Prevention)

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appear somewhere on the poster.

Deadline for submissions is Feb. 16 and should be sent to: Indiana State Police Museum, Attn: Sgt. Seth Tumey, 8660 E. 21st St. Indianapolis, IN 46219. For more, visit ojjdp.ojp.gov/events/missing-childrens-day/ about-poster-contest.

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January 16, 2024

COVER STORY

SPACE TO MAKE Current in Fishers currentinfishers.com

Fishers Parks offers equipment, training to turn visions into reality

By Leila Kheiry leila@youarecurrent.com Jim Marshall jokes that the Fishers Parks’ Maker Playground is his adult day care.

“Drop me off at 10, pick me up at 8,” he said as he walked into the large, relatively clean woodworking space. “In the morning, I do the local news for half an hour, national news for an hour, goof around and shuffle out to get my first cup of coffee, and then 10 (a.m.), I’m here.”

The 80-year-old Marshall said he likes to make gifts for others — lazy Susans, for example, and boxes for kids with their names engraved. But, he said, partly because of his age, he wants to do that work in a place with other people around, because he does sometimes make mistakes.

“When I do something wrong, I go, ‘Dag nabbit!,’” he said. “I got to the point where after five dag nabbits, I go home.”

Nick Snyder manages the Maker Playground, which is on the first floor of Hub & Spoke, 8100 E. 106th St. He said the 15,000-square-foot space offers woodworking, training, laser engraving and 3D printing for members like Marshall to work on individual projects. But it originally was envisioned purely for workforce development.

“Purdue Polytechnic was kind of geared to be the educational partner that was going to be in here,” Snyder said. “Once COVID-19 hit, Purdue Polytechnic basically pulled out because they were foreseeing all learning being remote for the time being.

Once they hit that snag, the city stepped in.

That’s when it kind of got pulled over into the parks department.”

The space does still maintain an educational component, though, through its partnership with Hamilton Southeastern Schools.

“We get all 1,600 fifth-graders through both semesters throughout the year,” Snyder said. “We’ve been doing that since we opened. So, we do roughly 3,200 woodworking projects a year. They do a bunch of 3D printing and 3D modeling, they do some stop motion, they do some circuitry.

Lots of hands-on experiential STEAM-based learning.”

The students have made toolboxes, birdhouses and paper towel holders, he said,

Nick Snyder, Makerspace manager, demonstrates equipment available to members. (Photo by Leila Kheiry)

although they weren’t that excited about the paper towel holders. The next batch of kids coming through will make their own iPad stands. Snyder said the simple projects are a way to get students familiarized with basic tools at an early age.

The Maker Playground also offers adult classes and workshops, he said, including the popular stained-glass class and its Household Heroes series.

“That is basically how to do DIY stuff around the house,” Snyder said. “Everything from drywall patch and repair to proper ways to hang pictures to how to fix the things that can go wrong with your toilet that you should be able to handle before you have to call a plumber.”

And, he said, they offer training on the equipment, including a monthly 3D printing class, and how to use the computerized router and laser cutters.

“We’ve got some things that are maybe a little bit beyond what the average person might have in their garage,” Snyder said. “A lot of people are going to have like a chop saw over there, they might have a router table. But for, particularly like the SawStop, which is the center of the shop, that’s a ludicrously safe machine.”

3D printers are among the equipment available for members at the Fishers Parks’ Maker Playground. (Photo courtesy of the City of Fishers)

He said the large table saw has a safety feature that, if anything that shouldn’t be cut — like a finger — is detected, a sensor is tripped and the blade drops down, saving the finger from anything worse than a slight nick.

“We try to have state-of-the art stuff in here,” Snyder said. “The nice thing is that staff is doing the maintenance on it. If something breaks at home, your project is interrupted. Here, we’ve got people that know what they’re doing to fix it.”

The Maker Playground also offers a free construction program through a partnership with the Hub & Spoke Institute — a nonprofit that supports workforce development — and Ivy Tech. Participants learn a skill and earn a National Construction and Curriculum certificate.

“We’ve had everything from high-schoolage homeschoolers to high-schoolers coming after school to adults that want to do a career change,” Snyder said. “Some people that are in kind of trades-adjacent fields like design have also taken this class to have a better understanding for, ‘OK, what’s going on behind the walls in that kitchen that I’m designing?’”

The Maker Playground also has an area

for metalworking, but that space isn’t quite ready for members. It’s been used for workshops, Snyder said, and they’re working toward offering welding classes.

For more about the Maker Playground, visit fishersmpg.com.

ON THE COVER: Fishers Parks’ Maker Playground provides a large workshop and the tools for members to work on various projects, from woodworking to laser engraving to 3D printing. (Photo courtesy of the City of Fishers)

HOW TO SIGN UP The Fishers Parks’ Maker Playground has monthly memberships for residents ($50) and nonresidents ($75), with a discounted rate for ages 16-22.

Those who want to try it out without signing up for a membership can buy a five-visit punch pass.

Members have access to the workspaces, all the equipment and the Maker Playground tool library. Members also get a discounted rate for classes offered through the Maker Playground.

For more, visit fishersmpg.com.

January 16, 2024 Current Publishing

January 16, 2024

A SPECIAL REPORT FROM

For Community First, financial literacy starts with building relationships PLUS: PROGRAMS AVAILABLE TO HELP STARTUPS, EXISTING BUSINESSES FINANCIAL PLANNING AND WELL-BEING IMPORTANCE OF ESTATE PLANS, TRUSTS AND WILLS

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January 16, 2024 Current Publishing

COMMERCIAL BANKING

Community First Bank of Indiana offers commercial and personal banking services, with branches in Fishers, Noblesville, Westfield, Indianapolis and Kokomo.

(Photo courtesy Community First Bank)

Programs available to help startups, existing businesses

By Leila Kheiry leila@youarecurrent.com If you have a great idea for a new business or have a successful business and want to expand, there are programs that can provide the capital needed to get that project off the ground.

Scott Hammersley is the commercial loan group manager at Community First Bank of Indiana, and Jeff Magginnis heads up the bank’s Small Business Administration program. Both provided a few banking tips for entrepreneurs.

STARTING A NEW BUSINESS Magginnis said preparation is key to starting a new business.

“Somebody comes up with an idea for a new business, they should do a business plan,” he said. “That's essentially putting on paper what your business is going to be about.”

That plan doesn’t have to be a novel, he said, but should cover what services the Magginnis business will offer, who the customers or clients will be and why the business owner is qualified to provide those services.

“Then it kind of goes from there into, OK, what's the market opportunity? What's the competition?” he said.

“There’s a lot of available resources online about business

plans and what should go into them. Some are good. Some are bad. But it can give them a framework for what they should provide.”

The plan also should cover revenue projections going out two to three years with information supporting those projections.

Once a lender goes through all the relevant information and determines that it wants to provide a loan for a proposed startup, Magginnis said that’s generally when the SBA process begins. Startups often lack collateral because, as the name implies, they are just starting up.

“The SBA will come in and give us a guarantee up to a certain percentage of the loan depending on what program we use and that way we can mitigate our risk,” he said.

That guarantee can be 75 percent of the loan or higher.

EXPANDING AN EXISTING BUSINESS A business owner who has been in operation for a while and wants to expand operations or maybe buy new equipment also can be eligible for SBA loans, but it’s a slightly different process.

Hammersley said his team works with business owners to create loan packages that work for them. They first look at three years of business and personal tax

Hammersley

returns and other finances.

“That's where we come in and really take the reins with them and guide them on what would be needed for a loan,” he said, adding that it could not involve an SBA guarantee.

LINE OF CREDIT A line of credit essentially is a loan. Magginnis said lines of credit especially are important to manage cash-flow timing differences.

Often there’s a gap between when a service is provided to a customer and when the customer has to pay for that service, he said. In the meantime, the business still has expenses, such as rent or payroll.

“A line of credit bridges that gap,” he said. “That’s the whole idea behind it. ‘I need to spend money today, but I'm not going to get the money for what I'm doing for this customer until tomorrow.’”

Lines of credit can be used for other expenses, he said, but the cash-flow timing is the primary benefit.

The method for setting one up is the same as any other loan request, Hammersley said.

“Whether it's equipment, real estate or line of credit, you go through all the same processes as far as document collection and things like that,” he said. “So the line of credit is easy to establish, but we do look at the same criteria.”

And, he said, lines of credit also can be backed by the SBA. For more, visit cfbindiana.com.

January 16, 2024 Current Publishing

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January 16, 2024 Current Publishing

Financial planning and well-being

When it comes to his banking, Rondell is a Farmer.

Rondell Sims Customer Since 2022

Advertorial The current cost of living crisis, against a backdrop of bleak economic predictions, is a significant cause for concern for millions of people.

Living standards have fallen at the steepest rates in 60 years; household incomes are expected to drop by 4.3% in 20222023; and people are being forced to reduce their spending.

With economic predictions over the next couple of years also looking grim, it’s easy to see why people feel powerless and frustrated.

Research from PWC found that 58% of people cite financial issues as their top cause of stress, while Aviva found that 38% of Generation X were kept up at night by their finances. A shocking 86% of people say that their mental health issues are made worse by thinking about money.

So, what can be done?

Could financial planning hold the answer?

THEFARMERSBANK.COM

Believe it or not, financial planning not only helps us achieve our financial goals but can also improve our mental and emotional well-being.

One of the key benefits of financial planning is that it helps us to feel more in control of our finances. When we have a clear plan in place, we can better manage our money and make informed decisions about how to spend and save it. This can reduce stress and anxiety around money, which can have a positive impact on our mental health.

Another benefit of financial planning is that it can help us to achieve financial momentum. Whether it’s saving for a down payment on a house, building an emergency fund, or planning for retirement, having a financial plan in place can help us to make progress toward our goals. This sense of accomplishment can boost our confidence and self-esteem, which are important for our overall well-being.

In addition to the mental and emotional benefits of financial planning, it can also have a positive impact on our physical health. Financial stress can cause a range of physical symptoms, such as headaches, stomach problems and high blood pressure. By reducing financial stress through effective financial planning, we can improve our physical health and overall well-being, too.

We’ve seen this for ourselves As financial advisers, we get to witness firsthand the positive effects in seeing people take control of their finances. The stats also back this up.

Royal London conducted research on the links between receiving financial advice and well-being. They found that those who had received financial advice: • Felt more in control of their finances • Felt more financially secure and stable • Felt better prepared to cope with shocks • Worried less about their finances for retirement • Felt less anxious about their household finances • Felt more confident about the future Crucially, they also found that these benefits were greater if people worked with their financial adviser regularly over a long period of time. This is because of the close, trusting relationship that develops when working with a financial adviser, meaning people feel reassured that their money is being looked after properly.

Financial advice can help everyone Society is slowly but surely breaking down the taboos around mental health and many areas of life, yet the links between finances and wellbeing remain in the shadows.

People avoid tackling their finances for many reasons. Some feel that it’s all just too confusing, while others feel it’s too deeply personal. But it doesn’t have to be that way.

Ignoring the issue might be easier but can leave you with a distinct feeling that your finances are like a sitting duck, open to attack from economic shocks.

In contrast, being proactive and having a financial plan in place will mean that no matter what comes your way, you will feel safe in the knowledge that you have a game plan for dealing with it.

Our financial health and personal well-being are tightly bound together, with money worries often spilling over into other areas of our lives. It’s therefore well worth remembering the benefits ongoing financial planning can bring.

So, if you’re thinking about putting off coming to that planning review, think again!

It may bring you more peace of mind than you realize.

January 16, 2024 Current Publishing

FINDING DIRECTION FOR YOUR FINANCES SERVICES: PERSONAL FINANCE

Helping you take control of your finances begins with things such as budgeting, savings, exploring the various types of investments available, and creating plans for retirement.

FINANCIAL PLANNING

It starts with an evaluation of your net worth and understanding the financial goals you have for your future. As a comprehensive and individualized approach, financial planning helps you create strategies for achieving your dreams.

RETIREMENT PLANNING

Depending upon your current place of employment and future financial goals, there are a variety of retirement and investment plans available. Understanding the pros and cons of each plan is important in making an informed decision on which is the best fit for you.

ESTATE PLANNING

Simply put, estate planning is figuring out what will happen to your assets upon your death. This includes items such as creating a trust, establishing a durable power of attorney, and deciding annual gifting amounts.

EMPLOYER RETIREMENT PLANS

Offered through an employer, a plan such as a 401(k) or SIMPLE IRA may provide a good retirement option for employees.

Employers often match a certain amount, making this retirement option a great benefit for an employee’s future.

PORTFOLIO MANAGEMENT

Keeping an eye on how your investments are performing is important in achieving your financial goals. Choose between active or passive styles of management, depending upon the level of risk and reward you feel comfortable with.

Rockford V. Stites, President Investment Advisor Representative 412 S. Maple Street, Suite 200, Fortville, IN 46040 Cell: 765.744.1908 • Office: 317.482.3784 www.RockfordAdvisor.com Advisory services are offered through Rockford Group, LLC, an Investment Advisor in the State of Indiana. All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication of future results. Purchases are subject to suitability. This requires a review of an investor’s objective, risk tolerance, and time horizons. Investing always involves risk and possible loss of capital.

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January 16, 2024 Current Publishing

INVESTMENTS

Level up your finances in 2024: Five tips for success Advertorial by Nate Hasto For many, the New Year presents an opportunity for a fresh start. This may entail getting fitter, spending more intentional time with loved ones, or even targeting that raise or promotion at work. If you are looking to your finances as an area to level up in the New Year, look no further. Here are the top five financial tips to add to that New Years resolution list!

1. Prioritize your financial health: This can look different for each of us. It may include improving your credit score, increasing, or starting an emergency fund, or simply getting a grasp of where all the money goes when your paycheck hits the bank account. Whatever your flavor, each of these foundational factors can help create a more stable and sturdy financial footing.

2. Taking an active role in your Risk Management plan: In the many years I’ve spent in financial services, I’ve yet to meet a person who loves thinking or shopping for their own insurance. It can be an easier endeavor to sit with a professional. Whether you are reviewing your current workplace benefits

or shopping for your own personal life or disability insurance, having a custom-fit plan can make a major impact on your peace of mind and quality of life when it’s needed most.

3. Optimize your Retirement Savings: One of the easiest ways to do this is to review your employer’s retirement plan. This may be a 401k, SIMPLE IRA, or 403b, to name a few. Understanding how your plan works, if and how your employer may match your contributions, and when those matched dollars become yours officially, can help move the needle quickly when looking to save more for your future.

Reading your plan summary, speaking with your HR or benefits representative at work or talking with a financial professional who specializes in these kinds of plans can all be a way to better understand and leverage your workplace plan to your advantage.

4. Start saving for Education: The 529 plan is not a new development in the college savings space, but it has experienced some changes over the past year.

The SECURE Act 2.0 created new avenues for the utilization of 529 funds by opening the door to Roth IRA rollovers. This is certainly not a reason for most

to consider overfunding a 529 plan, but it does create significantly more flexibility for funds to be used productively. Leveraging these kinds of plans for their tax-deferred growth, potential tax credits for contributions, and tax-free withdrawals for education could be the right mix you’ve been looking for.

5. Begin or refresh your financial goals with your spouse or partner: There are few things that can determine your ability to achieve your financial goals more than being on the same page with your partner. Create a shared vision of where the two of you want to be. This can become the foundation for all your future progress. If you find yourself struggling to get on the same page, engaging a third party like a financial advisor can help to moderate and guide you to a mutually beneficial destination.

As we welcome the New Year, I hope these items can help you attain the goals you set out to accomplish!

Nate Hasto, Community First Investment Group LPL Financial Advisor Certified Plan Fiduciary Advisor® Phone: 317-399-7504

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Community First Bank and Community First Investment Group are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Community First Investment Group and may also be employees of Community First Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Community First Bank or Community First Investment Group.

Securities and insurance offered through LPL or its affiliates are: Not FDIC Insured by FDIC or any Other Government Agency

Not Bank Guaranteed

Not Bank Deposits or Obligations

May Lose Value

January 16, 2024 Current Publishing

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Individual Solutions Retirement Planning • 401k Rollovers • IRA & Roth IRA’s

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• Asset Allocation

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Assessments • Risk Tolerance • Investment Goals

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Whether you are just starting to invest, thinking about retirement, or need to review your current investment strategy, our experienced team will help you prioritize your goals and develop an appropriate approach tailored to your situation.

(765) 456-4343 • www.cfigadvisors.com Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).

Insurance products are offered through LPL or its licensed affiliates. Community First Bank and Community First Investment Group are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Community First Investment Group, and may also be employees of Community First Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Community First Bank or Community First Investment Group.

Securities and insurance offered through LPL or its affiliates are: Not FDIC Insured by FDIC or any Other Government Agency Not Bank Guaranteed Not Bank Deposits or Obligations May Lose Value

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January 16, 2024 Current Publishing

ESTATES

Importance of estate plans, trusts and wills

By Mark Ambrogi

“But any asset that doesn’t transfer to someone automatically by virtue of being a named beneficiary or a co-owner on an There are numerous reasons why account, if the cumulative of those assets estate plans, trusts and wills are of vital that don’t automatically transfer exceeds importance. $100,000, the person has to hire “An estate plan may or may not a lawyer to get that person desinclude a trust component but ignated as the executor,” Adams would include a general power of said. “There is a litany of obligations attorney, a health care power of through the court one would have attorney and a living will,” said Jeff to undertake in connection with colAdams, an attorney with Indianaplecting all the assets, paying all the olis-based Cohen Garelic & Glazier expenses and paying the final tax.”

Adams and a Noblesville resident. “Those Adams said it is generally more documents are important because in the expensive than if you plan to transfer asevent something happens to you short of sets outside of the probate process. dying where you are not able to manage “One of the primary ways that process is your affairs without those documents in avoided is using a trust,” he said. place, it can be difficult for someone to Adams said he prefers to draft separate care for you or have the authority to make trusts for each spouse. Some lawyers set those types of decisions.” up joint trusts, but Adams said they are Sometimes, family members must go to more involved to administer. court to have themselves appointed as a Trusts also are set up to hold assets for legal decision-maker or guardian, dependyoung children. ing on circumstances.

“The bank or trust company, a friend or “So, part of the planning is not just for family member will hold the assets for the death but for life,” Adams said. “An estate benefit of the kids, so if they need money plan is a little more encompassing than just for a car when they turn 16 or need money the disposition of your assets.” for college, then the trustee can pay the Adams said having a will is important expense to school or car dealership,” Adbecause if a person dies without a will, the ams said. state of Indiana decides how their assets Adams said it may not be an outright disare transferred. tribution of everything they are going to get “There is a statutory hierarchy,” he said. until they get to be older. He said people “If you are married, half goes to your spouse can designate ages in the document. and half is divided by children. If you have Another common reason is for estate young children, or sometimes even older tax planning to ensure spouses utilize their children, they want assets transferred to estate tax exemptions. the surviving spouse to plan for the kids.”

“When you die, if your assets are over Adams said those wills usually are done the estate tax exemption amount, then simultaneously, so each spouse will have a the estate or trust will be subject to a will but will say the same thing in reverse. federal estate tax, which could be up to “Without a will, you need to understand 50 percent,” Adams said. “When I was in your assets may be transferred contrary law school, that exemption was only about to what your desires might otherwise be,” $600,000. The estate tax exemption has Adams said. gone up and up over the years. Today it’s With children under 18, a will is the opover $12 million. When you die, you can give portunity to designate guardians, Adams as much to a spouse estate tax-free as you said. want. But on the death of your wife, the Adams said most people decide to do surviving spouse in this example, she would trust planning. Adams said there are three only have her exemption to use and not also primary reasons for a trust. One of those yours because you didn’t use yours when reasons is probate avoidance. you transferred your assets. If you do it Adams said life insurance, IRAs and right and you use both exemptions, you will 401Ks typically have named beneficiaries. have $24 million in exemptions.” mark@youarecurrent.com

January 16, 2024 Current Publishing

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PERSONAL BANKING

For Community First, financial literacy starts startswith withbuilding buildingrelationships relationship Stacy Chemelewski conducts a meeting in her office. (Photo by Adam Seif)

By Ann Marie Shambaugh annmarie@youarecurrent.com The team members at Community First Bank of Indiana are well versed in financial literacy, but they know that’s not necessarily true of all their customers.

So, the bank and its employees place top priority on building relationships with clients, taking time to learn their unique circumstances, building a personalized roadmap to their goals and helping them navigate the financial world in a way that makes sense, according to Stacy Chemelewski, manager of the bank’s Meridian North Banking Center.

“Being as small as we are, we genuinely have that opportunity to sit down and have that full dialogue with the client to be able to dissect and break down the things that they really need, and then come back with an opportunity to help them with that,” Chemelewski said. “In some institutions, if you don’t fit in the box, then they don’t have any other options for you. That’s not how we are.”

Sometimes, the conversations don’t even cover finances, Chemelewski said, as the two sides simply take a bit of time to get to know each other or share updates over a cup of coffee. That’s what it takes to build enough trust to have conversations that aren’t always easy. Customers can be embarrassed to admit making mistakes or poor choices or acknowledge there is much about finances they don’t know.

“You get those questions going and they start to open up and they realize, ‘Wow, this person really cares, and they

want to help me,’ which is a little uncommon in the world that we live in today,” said Chemelewski, a Westfield resident and Noblesville High School graduate.

Chemelewski said Community First Bank aims to begin building financial literacy early, including in the classroom.

Bank employees will often visit schools to speak with students of all ages – but primarily high schoolers – about the basics of personal finance.

“If you start them young, the habits stay,” Chemelewski said. “They usually continue to do that for the rest of their life, because they’ve had some kind of foundation.”

The conversations can be a bit tougher with those a little further down the path of life, especially if good financial habits never took root. Chemelewski said she and her team meet with customers of all ages and financial situations and aim to make each one feel comfortable, no matter what they’re facing.

Rising inflation has complicated the financial picture for many families in recent years, Chemelewski said.

“What we’re living in with inflation is pretty scary out there,” she said. “People are living off of credit cards, and credit card debt is higher than it’s been in a very, very, very long time, to the point where it could be crippling for some folks if we are not becoming that trusted advisor for them.”

That’s one reason Chemelewski said she believes it’s important for customers to be connected with a team of bankers they can turn to for advice.

“We are that bank that tries to build that relationship in a way that they don’t want to go anywhere else, because we

have laid that foundation for them and helped them grow and get to that end result,” she said.

Kokomo-based Community First Bank of Indiana has three branches in Kokomo, two in Westfield, one in Noblesville, one in Indianapolis and a loan production office in Fishers that is set to become a full-service branch in February.

Learn more at cfbindiana.com.

BACK TO THE BASICS The world of banking can feel intimidating to many people unfamiliar with it, which subsequently keeps them from seeking the assistance they need to get financially on track, according to Stacy Chemelewski, a branch manager with First Community Bank of Indiana.

For those at a loss on how to get started, Chemelewski recommends first assessing if they have enough money to pay their bills and commit additional funds to savings each month.

Often, it requires sacrifice to get to that point, she said, such as reducing trips to the coffee shop or skipping the car wash for a time.

“If you’re willing to take that out and take those monies and put that into savings, you have somewhere to start,” she said. “I’ve seen people that make very minimal (money) be able to save and get where they want to go. It has to be a commitment.”

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INVESTING

From left are Evans May Wealth Partners Ian Flanagan, Brooke May, and Elizabeth Evans, and Financial Advisor Grace Speckman.

(Photo courtesy of Evans May)

Independent advisors: Evans May Wealth recognized for success

By Leila Kheiry leila@youarecurrent.com Carmel-based Evans May Wealth is nationally recognized for its successful business model, helping clients manage and maintain wealth for themselves in the present, and for whoever they choose to pass it on to in the future.

The business has been featured in Forbes, and individual partners Elizabeth Evans and Brooke May both have been named to that publication’s lists of top wealth advisors in the nation, with Evans making it to the No. 1 spot for Indiana.

May said they started out as financial advisors with Merrill Lynch, but decided about four years ago to launch an independent business.

“In 2019, we saw that the industry was changing and that we wanted to be independent and not under the umbrella of a big bank,” she said. “And so we left to start Evans May Wealth, and we opened up shop

in Carmel back in 2019.”

May said clients appreciate that independence, because the firm isn’t beholden to a larger entity for investment recommendations.

“So if we see an investment out there that we feel is ideal for our clients, we can buy it,” she said, allowing them to move quickly in the clients’ best interest.

May said the firm’s independence allowed them to grow quickly and they now manage more than a billion dollars-worth of assets. Without an umbrella bank’s rules, they also have freedom to be interviewed by various news outlets and have their own podcast.

Financial Advisor Grace Speckman said that allows them to better serve clients by quickly giving them the information they want.

She said the firm focuses on individuals and families, rather than 401K plans or institutional investing. They have a minimum investment of $1 million for new clients.

“We work with business owners, doctors, a lot of people in town — but we’re also across the United States,” Speckman said.

“I think we really have a niche in working with multi-generational families. So, generational wealth and thinking about not just the matriarch or the patriarch of the family, but how that wealth transfers down the line and how we can help an entire generation of families.”

May added that two of the three partners are women.

“That appeals to a lot of people, as well, because we just don’t look like every other financial services team out there,” she said.

Heading into 2024, May said they anticipate continued volatility in the market, but they believe it will be higher by the end of the year. She said that volatility shouldn’t discourage people from investing.

“It’s important for people who are trying to save and plan for their retirement to have that perspective that things are going to go up and down over time,” she said.

“You’re going to make money in the stock market if you’re patient.”

For more, visit evansmay.com.

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January 16, 2024 Current Publishing

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BUSINESS LOCAL

Current in Fishers currentinfishers.com

Genesis of Carmel opens

By Mark Ambrogi mark@youarecurrent.com Genesis of Carmel is Napleton Automotive Group’s latest addition to its compound of stores.

NOW OPEN Genesis of Carmel opened Jan. 11 in a nearly 12,000-square-foot facility at 4140 E. 96th St. “It’s one of two standalone Genesis dealerships in Indiana,” said Jody Adams, regional platform director for Napleton AuAdams tomotive Group. “Ours has state-of-the-art features. It’s got a flower garden with a waterfall in it in the atrium.

There are heated floors. There is a flower garden outside. It’s 100 percent all glass.”

Adams said the building took a little more than a year to complete.

Adams, a Carmel resident, oversees the six franchises on the grounds in Carmel and the Kia of Fishers.

There will be approximately 300 automobiles, including 11 different models, on-site.

Adams said there will be 24 employees.

Genesis of Carmel opened Jan. 11 at 4140 E. 96th St. (Photo courtesy of Napleton Automotive Group)

The dealership will be open 9 a.m. to 8 p.m.

Monday through Saturday.

Napleton Automotive Group started in 1931 and has 57 stores in the dealership group, Adams said.

“We’re the seventh-largest privately owned automobile (group) in the United States,” said Adams, who has been with the group for 12 1/2 years. “’Second-to-none in 1931’ is our slogan.”

The other dealers on the Carmel compound include Hyundai, Kia and Italian Imports.

For more, visit ednapleton.com and genesisofcarmel.com.

OneZone Chamber announces 2024 board chair news@currentinfishers.com

GENESIS OF CARMEL

Hamilton County Leadership Academy and serves on that organization’s finance comOneZone Chamber of Commerce has mittee. Mooney also is a Riverview Hospital a new board chair for 2024. In a Foundation board member and a recent anmember of the Westfield Sports APPOINTMENT nouncement, Commission. He previously served the chamber on the Carmel and Westfield Educastated that Ryan Mooney will lead tion Foundation boards, according the OneZone Board of Directors. to the announcement.

A Westfield resident, Mooney is Some of his volunteer work director/relationship manager at includes Hamilton County Harvest BMO Bank.

Food Bank, Gleaners Food Bank, Mooney In his role at BMO, Mooney works Friends of Hamilton County Parks, with middle market and large corporate Northview Church, Janus Developmental customers in Indiana, according to the anServices, Westfield Youth Sports Associanouncement. He is responsible for identify- tion and NFL Flag Football League. ing customer needs and providing advisory Mooney replaces former OneZone Board services and guidance regarding financial Chair Doug True of Forum Credit Union. solutions. He has a banking career that OneZone Chamber has served Carmel spans more than 20 years in the Indianapand Fishers members since 2015, and last olis and Hamilton County markets. year added Northern Hamilton County Mooney earned his bachelor’s degree in Chamber as a partner. OneZone also partorganizational leadership and supervision ners with the Westfield and Noblesville and his human resource management chambers of commerce for some programcertificate from IUPUI. He is a graduate of ming. For more, visit onezonechamber.com.

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January 16, 2024

VIEWS

Current in Fishers currentinfishers.com

Reading the audience Commentary by Terry Anker Writers are often guided by the aphorism to “write for their audience.”

Like most truisms, it seems ESSAY reasonable enough. While the Italian language may be beautiful, an article penned in it for a Chinese audience is probably not ideal.

Even those few who might understand the words are likely to be lost in the nuance. It is generally better to meet the reader where they are. Don’t make folks work too hard to figure out the point.

Likewise, a third-grade textbook aims toward a very different target than one penned to graduate students in theoretical physics. Arguably, the elementary school volume is more accessible. Still, while there are few who could make use of the latter, a solid argument could be made that it is the more substantive and important. The famed plays of William Shakespeare have been molded into countless forms, but it is in their original, now antiquated and difficult (to some) arrangement that most would suggest being superior.

In attempting to be understood, do we dumb ourselves down to the point that we insult our listener and casually make them dumber, too? Should we not communicate above the fifth-grade level? Or might we simply expect more of ourselves and our fellow humans? They are not as like a troglodyte as we might expect. We all have word gaps. Is it the same to hold that we were “lazy after eating” as to say that we found ourselves lost in our “postprandial torpor?”

Intentionally using language to exclude should shame the speaker, not the listener. But shouldn’t intentionally assuming a readers ignorance disgrace the writer, just the same? It has never been easier to look up a word and learn a bit. And we are not as smart as we think, and others are not likely as stupid.

Terry Anker is an associate editor of Current Publishing, LLC. You may email him at terry@youarecurrent. com.

Can’t catch a (quiet) break Commentary by Danielle Wilson For crying out loud, can’t a girl get a quiet Sunday morning to herself? For the love, I just want to enjoy a cup of HUMOR coffee and my newly discovered Connections game in peace. But noooooo, my husband Doo and youngest child are screwing it up.

Longtime readers (and aforementioned family members) know that I’m an introvert. I’m easily overwhelmed by too much stimulation, particularly when I wake up and when I go to bed. That’s why I rarely turn on bright lights or the TV. I don’t generally play background music, and I sure as shoot don’t speak to anyone, not even the dog, for at least 30 minutes (ideally, I’d live alone with nothing but low-wattage bulbs and a French press for company).

It’s also why I relish getting up before anyone else. But this past weekend, both of my current housemates were downstairs within minutes. Doo sat right next to me on the couch, crunching away on his granola bar and slurping his drink, ranting about the Colts’ season and his last visit to Lowe’s. Then my daughter joined in, immediately asking questions about chakras, oatmeal, plane crashes,

“They’re both extraverts, completely oblivious to my annoyance and personal discomfort.”

– DANIELLE WILSON and wah-wa-wa-wah-wa-wa … OM Godzilla.

Shut your pieholes!

Of course, neither noticed I was avoiding all eye contact and multisyllabic responses.

They’re both extroverts, completely oblivious to my annoyance and personal discomfort.

So, I left. I took my coffee and my online New York Times suite of anti-dementia games and headed for another room. I only have one Sunday morning a week, for the love of Pete!

I can’t afford to have rude people disrupt my few precious moments of quiet solitude.

Peace out.

Danielle Wilson is a contributing columnist. You may email her at info@youarecurrent.com.

January 16, 2024

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Carmel Symphony Orchestra to feature circus acts

By Mark Ambrogi mark@youarecurrent.com The circus is not only coming to town but will be joined by the Carmel Symphony Orchestra.

PERFORMANCE Six members from Cirque de la Symphonie, a touring group based in Athens, Ga., will perform magic, strongman acts, ribbon dancing, juggling, spinning shapes, Cyr wheel and hula-hoop artistry during Carmel Symphony Orchestra’s performance at 7:30 p.m. Jan. 27 at the Palladium at the Center for the Performing Arts in Carmel.

CSO Music Director David Commanday has never conducted a concert with the group but worked with similar groups earlier in his career.

“I’ve done bits and pieces of programs like that when you have live music accompanied by something else in front,” Commanday said. “One of those was a magician’s act and a couple of the (music) pieces on the program were used for that.

I’ve heard spectacular things about this company. I have friends and colleagues who have worked with them. Everything I hear is that they are tops.”

Commanday said he learned when conducting with the Boston Ballet that getting the right tempo was important.

The orchestra will rehearse with the circus acts the day of the performance, which should help with getting the tempo just right, he said.

Commanday said there are a few interludes when the orchestra performs alone.

“There are a few breaks for costume changes or for the flow of the program,” he said. “It tends to be brilliant, sparkling and a lot of it is fast. There are one or two numbers which are very beautiful and transparent. A lot of them are just exciting.”

The performance opens with Antonin Dvorak’s “Carnival Overture,” followed by Zequinha de Abreu’s “Tico Tico.”

Commanday said “Tico Tico” is “fun and bubbly.”

Music also includes Georges Bizet’s “Carmen Suite No. 1 and 2,” John Williams’

FEINSTEIN’S CABARET Feinstein’s presents jazz and swing music vocalist Paul Hughes at 7:30 p.m. Jan. 19 and Crush’s Bon Jovi experience at 7:30 p.m. Jan. 20 at Hotel Carmichael in Carmel. For more, visit feinsteinshc.com.

BIG HEAD TODD AND THE MONSTERS Big Head Todd and the Monsters will perform at 7:30 p.m. Jan. 18 at the Palladium at the Center for the Performing Arts in Carmel. For more, visit thecenterpresents.org.

PUDDLES PITY PARTY Puddles Pity Party will perform at 7:30 p.m.

Jan. 18 at The Tarkington at the Center for the Performing Arts in Carmel. For more, visit thecenterpresents.org.

DISPATCHES Cirque de la Symphonie is to perform Jan. 27 with Carmel Symphony Orchestra. (Photos courtesy of Cirque de la Symphonie)

Cirque de la Symphonie performs a variety of acts.

“March from Raiders of the Lost Ark,” Pyotr Ilych Tchaikovsky’s “Danse des petits cygnes” from “Swan Lake,” Dmitry Kabalevsky’s “Comedians’ Gallop,” Nikolai Rimsky-Korsakov’s “Dance of the Buffoons” from the “Snow Maiden” and Jacques Offenbach’s “Can-Can from Orpheus in the Underworld.”

“These are tunes everybody seems to recognize and they are going to see amazing circus acts in sync with them,” Commanday said.

Commanday said one of his favorite pieces is Johann Strauss’ “Thunder &

Lightning Polka.”

“It’s very fun with sound effects for thunder and lightning built into it,” he said. “It’s very fun. It’s delightful classical music.”

CSO Executive Director Anne Marie Chastain said the show takes advantage of the Palladium’s atmosphere.

“The idea was to bring a group to Carmel that would showcase lighter symphonic repertoire and be community and family friendly as well as provide a great datenight experience,” Chastain said.

For more, visit thecenterpresents.org.

Civic Theatre’s Ghost Light Cabaret set — Civic Theatre will present “Ghost Light Cabaret” at 6 and 8:30 p.m. Jan. 24 at Feinstein’s at Hotel Carmichael in Carmel. Attendees will enjoy a celebratory glass of bubbly and a gourmet charcuterie board at each table at the fundraiser. There will be a cabaret performance of musical theater hidden gems, performed by some of Civic’s familiar faces. The bar at Feinstein’s will be open to purchase additional libations. There will also be a wine pull. Patrons can bid for an opportunity to sing with the cast of “Ghost Light Cabaret” and Brent Marty at the end of the show. For more, visit civictheatre.org.

Indianapolis Chamber Orchestra to feature CHS student — Carmel High School freshman Sadie Cohen will narrate the world premiere of composer Victoria Bond’s “Anne Frank’s Tree” in “Silenced Voices” at 7:30 p.m. Jan. 20 at Butler University’s Schrott Center for the Arts in Indianapolis.

Julian Rhee, International Violin Competition of Indianapolis 2022 silver medalist, will perform Felix Mendelssohn’s “Violin Concerto.” The show will explore the people, composers and literature silenced by Nazi Germany. Students/children are admitted free with a reservation. Tickets are available at 317-940-9607 or icomusic.org/concerts/ silenced-voices.

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January 16, 2024

NIGHT & DAY

Current in Fishers currentinfishers.com

Westfield magician’s talk set

By Mark Ambrogi mark@youarecurrent.com

G H OST L I G H T CA BA R E T

HIDDEN GEMS THE BEST SONGS FROM BROADWAY’S WORST SHOWS DURING AN EVENING TO BENEFIT CIVIC THEATRE

tion Foundation’s ‘Laugh It Off’ shows two years in a row, we discussed additional opportunities to bring magic to the Palladium,” Jeff Loeser is eager to share his love of Loeser said. “This is when I learned about magic. the daytime speaker series, Luminaries.”

Loeser will be featured in the Center Loeser said his presentation was creatfor the Pered exclusively for the Luminaries PRESENTATION forming Arts’ series.

Luminaries “It will be a mix of discussing the series at 2 p.m. Jan. 23 at the Pallaart of modern magic as well as how dium in Carmel.

I caught the magic bug,” Loeser “Magic is a dynamic art form,” said. “I’ll also share some of my faLoeser said. “It changes, adapts and vorite tricks and stories.” evolves. I’ve met so many amazing Loeser, who turns 56 Jan. 22, deLoeser people through magic. Many are scribes his magic as “Deliberate lifelong friends. Creating magic is taking Deceptions.” Loeser, who grew up in Buffalo people out of their normal day-to-day Grove, Ill., has been performing since he existence and for a second, giving them was 13. something that is spectacular, maybe even “Impossible, funny and mesmerizing are emotional, and makes them say, ‘Wow.’ I three words that sum up my style of magvividly remember the feeling I had the first ic,” Loeser said. “I create a fun and relaxed time I saw a magic trick. I strive to share atmosphere. My magic is not just about that feeling with my audience.” tricks. It’s about creating unforgettable exThe longtime Westfield resident said the periences with playful energy.” one-hour presentation was a collaboration of For more, visit deliberatedeceptions.com. ideas between himself and Center officials.

Tickets are $10 and available on thecenter“After performing in the Westfield Educapresents.org.

‘Crazy’ good Mexican cuisine

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Commentary by Mark LaFay

W E D N E S D AY, J A N U A R Y 2 4 AT 6 P M & 8 : 3 0 P M F E I N S T E I N ’ S AT H O T E L C A R M I C H A E L

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Crazy King Burrito, 13756 N. Meridian St., Carmel, is a must-visit destination for authentic Mexican cuisine.

DINING The original Crazy King Burritos is in Cozumel and was founded by a family that wanted to showcase its food heritage. It is so good that there are now four locations in the U.S., with the Carmel restaurant being owned and operated by Westfield natives Alrea and Paul Giefing.

Paul, a banker with Everwise Credit Union, and Alrea, an accountant at Ernst and Young, are both food enthusiasts. Paul, especially, is known for his love of cooking, particularly smoking meats and making pizzas at home.

The Giefings’ family involvement extends to their teenage son, who works at the restaurant with other high school students, adding a nice family touch to the place. The Crazy King Burrito menu is straightforward yet diverse, catering to a range of tastes without overwhelming customers with too many choices. Its signature dish, the Crazy King, is a hit. It’s a large, homemade flour

tortilla stuffed with a mix of carne asada, shrimp, beans, rice, cheese, garlic, onion, house chipotle sauce, lettuce and sour cream. Think Mexican surf and turf in a burrito.

Another popular choice is the asada burrito, simpler but just as tasty, filled with beans, rice, cheese, asada, lettuce and sour cream. What I really appreciate about Crazy King Burrito is its flexibility for different diets. It has a great selection for vegetarians.

And for people like me trying to keep up with diet resolutions, the keto-friendly options are perfect — heavy on the protein, light on the carbs and still super tasty.

Crazy King Burrito is more than just a restaurant — it’s a spot where good food and family come together. Whether you’re from the area or just passing through, it’s worth stopping by. Crazy King Burrito is open Tuesday through Sunday, 10 a.m. to 9 p.m.

Mark LaFay is a butcher, certified sommelier and founder of Old Major Market, 4201 Millersville Rd., Suite 19, Indianapolis

January 16, 2024

NIGHT & DAY

Current in Fishers currentinfishers.com

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Getting your creative on Commentary by Randy Sorrell As we slide into 2024, I’m curious how you “get your creative on.” Or, do you even try? Our lives are so programmed ART with family, career pursuits and digital consumption that little space remains to get bored. And for a healthy life, we need a little space. A little boredom. That’s what allows the creative juices to flow. Problems get solved, ‘ahha’ moments appear and a reflexive smile broadens our face. Recall that moment on your latest beach/mountain/other vacation?

Me, too!!

Todd Edwards, a Carmel resident and cool financial dude at Charles Schwab, gets his creative on with a simple walk in the park.

When he’s on these self-reflective artistic strolls, his Mirrorless Nikon Z-8 is his companion, snapping photos of curious things that grab his attention — mostly things with movement -- birds, flowers and the random McLaren 570 buzzing through the Carmel UMC/Range Line roundabout. And they all tell a story.

His passion, which served as a respite from a major life change, was ignited in early 2020 with a Nikon D 5600, and by June he accumulated more than 35,000 images.

Inspired, he began pouring into the details and challenged himself to take a unique perspective. Photographing his kid’s soccer and marching band events propelled him as he took the natural YouTube and book-consuming route to his present elevated talent level.

Todd, who can be reached at toddedward-

Todd Edwards’ photo of a cardinal at Carmel’s Central Park. (Photo courtesy of Todd Edwards)

sphoto@gmail.com, spends an average of15 hours a week on this second act and digs photographing music and business gigs, automobiles and family portraits. It seems nature always calls him back, though. His brilliant photos of dew droplets resting on hosta leaves and robust red cardinals are inspiring.

Tell me your story and how you “Get Your Creative On” at rsorrellart@gmail.com. Let’s inspire others to get a little bored and discover their passion.

Randy Sorrell, a Carmel artist, can be reached at 317-6792565, rsorrellart@gmail.com or rsorrellart.com.

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LIFESTYLE

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THE ULTIMATE Mixed Protein Box Includes Faroe Island Salmon, Amish Chicken Breasts, Old Major Bacon, and USDA PRIME New York Strip Steaks ORDER AT OLDMAJORMARKET.COM National Museum of Egyptian Civilization in Cairo. (Photos by Don Knebel)

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Royal Mummies exhibit inside the museum.

A visit to Egypt Commentary by Don Knebel

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Today, we begin a visit to Egypt, the cradle of western civilization. We start our trip at the National Museum of TRAVEL Egyptian Civilization.

Most visitors to Egypt (and those who imagine visiting Egypt) have a few must-see destinations in mind — the Great Pyramids of Giza in Cairo, the Valley of the Kings and the tomb of King Tut near Luxor, the Temple of Philae near Aswan and perhaps Alexandria. Not only are these famous sites separated by more than 650 miles, but they are also separated by more than 2,500 years and repeated collapses and restorations of Egyptian order. Seeing these sites without understanding how they relate to each other is like finding the pieces of a jigsaw puzzle without seeing the picture.

In my opinion, a trip to Egypt is best begun by a short visit to the National Museum of Egyptian Civilization in Cairo, which opened April 3, 2021. The museum displays artifacts from prehistoric times to the present day, arranged in a way that visitors can

see the development of Egyptian civilization and how one period relates to another. An outstanding example is a stele from a 3000 B.C. Egyptian king. Timelines on the walls show the periods of the various Egyptian dynasties and the “intermediate periods” of collapse between them. A bonus is an extraordinary collection of mummies of 18 Egyptian pharaohs and four queens from the 17th to 20th dynasties that lasted from 1580 B.C. to 1077 B.C. The mummies (which cannot be photographed) include Hatshepsut, Egypt’s only female pharaoh. On the wall is a description in English and Arabic of the accomplishments of each pharaoh and his/ her relationship to the other pharaohs. The mummies were taken to the museum’s Royal Mummies’ Hall from the Egyptian Museum in Cairo in the celebrated Pharaoh’s Golden Parade on the day the museum opened.

Don Knebel is a local resident. For the full column visit donknebel.com.

You may contact him at editorial@ youarecurrent.com.

January 16, 2024

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Across 1. “Famous” cookie maker 5. Desktop debut of 1981, briefly 10. “Let’s go!”

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YOUR COMPLETE AUTOMOTIVE DETAIL!

317-650-8888 dan@dansdetail.info

• Power Washing • Decorative & Regular Concrete • Handyman Services

simpsonconstructionservices.com

INTERIOR CLEANING/DETAIL EXTERIOR WASH + WAX • GIFT CERTIFICATES

CLEANING FOR OVER 70 YEARS COIT CLEANS CARPETS COIT CLEANS CARPETS AIR DUCT

%O CLEAN DUCTS FF 0% 4WE 40 OFF

5% OFF

3 • Oriental & Area Rugs • Tile & GroutExpires Carpet • Air 1/30/24 Ducts Upholstery • Wood Flooring • Water & Mold Remediation Carpet • Oriental & Area Rugs • Tile & Grout • Air Ducts

Upholstery 483-1166 • Wood Flooring • Water & Mold Remediation (317) • COIT.COM UPHOLSTERY (317) 279-5390 • COIT.COM

RESIDENTIAL AND COMMERCIAL

• Free Estimates • Insured • Family Owned • Referrals Available

CALL 317-397-9389 $40.00 OFF First Cleaning

WE DO CONTACTLESS EXTERIOR ESTIMATES Jorge Escalante

LECTRIC LLC Brian Harmeson (317)414-9146

Owner/Master Electrician bharmeson@harmesonelectric.com

317-397-9389 pain hetownred2007@gmail.com

FINE BATHROOMS

Complete Bathroom Remodeling -Ceramic and Porcelain Tile Installations -Custom Showers -Leak and Mold Solutions Jorge Escalante -Low Maintenance Choices 317-397-9389

Do you have Dirty & Smelly Trash/Recycle Carts?

We offer Recycle/Trash Cart Cleaning and Deodorizing Services One Time Recycle/Trash Cleaning Service Up to 2 Carts ... $75 • 3 Carts ... $85 4 Carts ... $95

Anderson Construction Services

Ask how to sign-up for our 6 or 12 month Cart Cleaning Services at discounted rates (Cleaning Visits every 4 Weeks)

pain hetownred2007@gmail.com

• Interior/Exterior • Kitchen Cabinets

10% OFF

10% OFF

IF YOU MENTION THIS AD

Learn more at:

317- 508-7117

www.iwantanewbathroom.com

Classifieds

VISA, MasterCard accepted.

Reach 132,206 homes weekly

SERVICES

SERVICES

WILL DO BOBCAT WORK

GROUNDHOG STUMP REMOVAL

Trim/Remove trees & shrubs Building Demolitions Clean Gutters Build Decks Painting inside or Outdoors Property Clean Outs FULLY INSURED Text or Call Jay 574-398-2135 shidelerjay@gmail.com www.jayspersonalservices.com

Shayne King 317-508-7117 CWCservices@outlook

Carmel, Fishers, Geist, Noblesville, Westfield, Zionsville

IF YOU MENTION THIS AD

Jorge Escalante • Interior/Exterior

January 16, 2024

Locally owned and operated in Hamilton County Licensed-Bonded-Insured/Residential-Commercial

10% OFF

317-397-9389

• Kitchen Cabinets

ARMESON

in Fishers L.L.C. Contemporary WindowCurrent Cleaning 19 currentinfishers.com Residential & Commercial Trash Can Sanitizing Pressure Washing Gutter Cleaning

Professional & Economical Remove tree stumps, ugly tree roots, stumps in and around chain link or wood fences. We also remove tree stumps that are protruding up onto sidewalks and around sidewalks. We grind them and/or remove. Please Call & Text at 816-778-4690.

SERVICES

SERVICES

LAWN CARE & LANSCAPING

C&H TREE SERVICE

Locally owned/operated over 42 years

FALL CLEAN UP AND LEAF REMOVAL FREE ESTIMATES CALL 317-491-3491

FIREWOOD SALE Topping – Removal Deadwooding – Landscaping Stump Grinding – Gutter Cleaning INSURED – FREE ESTIMATES CALL STEVE 317-932-2115

For pricing e-mail your ad to classifieds@youarecurrent.com

NOW HIRING

LOVE DOGS? HUNT CLUB BOARDING KENNEL SEEKS Part-Time Kennel Assistant responsible for the daily care of dogs, kennel maintenance, and other duties, as assigned.

Exceptional customer service and good communication skills via in-person interaction.

Team Member availability includes weekdays, weekends, and holidays. Interested candidates submit resume to: huntclubkennel@gmail.com.

NOW HIRING

Boarding/Daycare

for Small & Medium Dogs at My Home in Carmel!

Susan 317-432-1627 pawptrl@aol.com

Guitar Lessons With Baker Scott

Beginners thru Advanced All styles Electric-Acoustic-Bass Private Lessons Parent-Child Lessons I teach improvisation for all instruments.

Gift Certificates Available Read my LinkedIn bio/About near Carey Road & 146th • Carmel 317-

910-6990

.com

YOUR CLASSIFIED AD HERE! Call Dennis O’Malia 317-370-0749

Fenced Yard 24 Years Experience Luv the dogs

FOR SALE

SEASONED FIREWOOD 4 x 8 Rick $200.00 CALL 317-353-4157 FOR SALE FOR SALE: AKC Pembroke Corgi Puppies for sale. Males and females.

Beautiful markings. $1500. Available now.

Logansport, IN. Visit htmcorgis.com or call/text 765-461-4533

YOUR CLASSIFIED AD HERE! Call Dennis O’Malia 317-370-0749

NOW HIRING

Now Hiring

Recreational Therapist, Direct Support Professionals, Drivers and Finance Director/Controller Fulltime includes great benefits!

Make a difference in your community By providing safe, reliable and compassionate service.

Janus Developmental Services, Inc. 1555 Westfield Road

Please apply online at www.janus-inc.org

FULL TIME FRONT OFFICE POSITION – MEDICAL OFFICE Busy dermatology practice in Noblesville Hours: 8:AM to 5:PM Need dependable, detailed, energetic person.

With strong customer service skills.

Maintain patient files, answer the phones and scheduling appointments (including other various tasks).

SEND RESUME TO: HUMAN RESOURCES 116 Lakeview Dr., Noblesville, IN 46060 or email: dermatologynoblesville@gmail.com

NOW HIRING FULL TIME-BACK OFFICE MEDICAL ASSISTANT POSITION Busy dermatology practice in Noblesville Hours: 8:AM to 5:PM Need dependable, detailed, energetic person. With strong patient care experience.

Duties include: Rooming patients, recording & updating medical histories, & other assisting duties.

SEND RESUME TO: HUMAN RESOURCES 116 Lakeview Dr., Noblesville, IN 46060 or EMAIL: dermatologynoblesville@gmail.com

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January 16, 2024

Current in Fishers currentinfishers.com