July/August 2010
The magazine for active, mature lifestyles
GREEN GARDENING ....................8 Keep your gardens organic with these tips
PIZZA PARTY ..........................12 Small pizzas add variety to get-togethers
Feature story: SAILING AWAY Finding peace on the water Page 4
Activities
Providing Care
F R O M O U R FA M I LY T O Y O U R S
Senior Center offers trips J U LY / A U G U S T 2 0 1 0
Table of contents 3: Savvy Senior
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Our eighteen bed private MCU specializes in caring for residents that have the following diagnoses: Complex wound care including wound vac therapy Pain management • IV therapy • TPN therapy Tracheostomy management • Dialysis support • Palliative care
7: Health Column 8: Gardening 10: Financial Column 12: Recipes 14: Things To Do
On the cover
Services for seniors
Fred Hazlewood of Manitowoc stands aboard his Catalina 30 sailboat in the Manitowoc Marina. Read more about Hazlewood and other boating enthusiasts on Page 4. Doug Sundin/50 Plus
Manitowoc Senior Center
Staff
The MCU is ideal for individuals who no longer need to stay in the hospital but when home care support is not enough.
Residential Care Unit (RCU)
50 Plus! is published monthly by the Herald Times Reporter. It also is distributed to select businesses in Manitowoc County.
960 S. Rapids Rd., Manitowoc, WI 54220 Phone: 920.684.1144 Fax: 920.684.0199 www.riversbendskillednursing.com
2 • July/August 2010 • Herald Times Reporter
Mailed correspondence may be sent to: Pat Pankratz, Herald Times Reporter, Manitowoc, WI 54220
Address: 4319 Expo Drive, Manitowoc Phone: (920) 683-4180
Two Rivers Senior Center Address: 1520 17th St., Two Rivers Phone: (920) 793-5596 Website: www.two-rivers.org
RSVP Volunteer Center Address: 333 Reed Ave., Manitowoc Phone: (920) 320-8546
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Address: 3330 Custer St., Manitowoc Phone: (920) 683-4508 Website: www.manitowoc.org/ parkandrec/Senior_Center/senior _center.htm
Manitowoc County Aging and Disability Resource Center
Pat Pankratz, 50 Plus! Editor (920) 686-2138 ■ ppankratz@htrnews.com Laurie Bolle, Ad Director (920) 686-2120 ■ lbolle@htrnews.com
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MANITOWOC — The Manitowoc Senior Center, 3330 Custer St., plans the following group outings. ■ A trip to Niagara Falls will be offered Sept. 14-19. A passport is required. Cost is $795 per person for a double or $1,145 per person for a single. ■ A Door County day trip is planned for Sept. 23 and includes lunch at Al Johnson’s sod-roofed Swedish Restaurant. Cost is $62 for members and $77 for nonmembers. ■ A trip to Meskwaki Casino and Octoberfest in Tama and Amana, Iowa, is planned for Sept. 30 through Oct 2. Cost is $149 for a double or $199 for a single. Sign-up for trips begins Monday. Call (920) 683-4508 for information.
Financial help available for Medicare Part D beneficiaries Dear Savvy Senior: In one of your recent columns (What Health-care Reform Means for Seniors) you wrote that seniors with a Medicare prescription drug plan could get a $250 rebate check when they hit the doughnut hole. I’ve just hit it! What do I need to do to get my check and how long will I have to wait? Need Help Dear Need: One of the key benefits for seniors in the new health-care reform law is improved coverage for Medicare Part D beneficiaries. Here’s what you should know:
Doughnut hole rebate This year, seniors who have a Medicare Part D prescription drug plan are automatically eligible to receive a one-time $250 rebate check if they hit the “doughnut-hole” coverage gap and are not already receiving Medicare “Extra Help.” Medicare expects around 4 mil-
lion Part D beneficiaries will actually hit the doughnut hole in 2010. The doughnut hole begins after you reach $2,830 in total prescription-drug spending and extends until your total drug costs for the year reach $6,440. Within that gap, you generally have to pay the bills out-of-pocket. After that, your Part D plan usually covers 95 percent of your remaining drug costs for the year. Again, you just need to reach the doughnut hole to qualify for the rebate. You don’t have to spend $250 within the coverage gap first. And you don’t need to fill out any forms to get your check. Medicare will automatically send it when you reach the doughnut hole — you should receive it within 45 days. To make sure there are no delays, you may want to call your drug plan once you’ve hit the doughnut hole, to make sure they’ve notified Medicare of your eligibility. If you don’t get your rebate check, call Medicare at (800) 633-4227.
JIM MILLER Scam alert The government also wants to warn seniors about possible con artists who may try to take advantage of the government rebate. If someone calls you claiming to need your personal information, like your Medicare or Social Security number, or bank account so they can process your Medicare rebate check, don’t give it to them. It’s a scam! Just hang up the phone, and call (800) MEDICARE to report it.
Coming next year You also need to know that starting in 2011, Medicare Part D beneficiaries that hit the doughnut hole will receive a 50 percent
discount on brand-name drugs and a 7 percent discount on generic prescriptions. After that, beneficiaries will pay a smaller portion of their drug costs in the doughnut hole each year until 2020, when they have to pay just 25 percent of those costs. Also starting next year, individuals who earn more than $85,000 (or $170,000 if married filing jointly) will have to pay a high-income surcharge for Part D Premiums, as they do for Part B.
Extra Help changes Another change to be aware of is Medicare’s expanded prescription drug benefit to low-income
seniors (this is not part of health-care reform). Changes in the law have now made it easier for about 1 million more seniors to qualify for “Extra Help” in paying their Medicare drug coverage. To be eligible, your annual income must be less than $16,245 for an individual and $21,855 for a married couple living together. And your assets such as stocks, bonds and bank accounts must be limited to $12,510 for singles and $25,010 for married couples. The value of your home and automobiles are excluded. Under the new law, life insurance policies are no longer counted as assets and money received to help pay household expenses is not counted as income. To find out if you qualify call Social Security at (800) 772-1213 or see ssa.gov/prescriptionhelp. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.
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Herald Times Reporter • July/August 2010 • 3
Feature story
The Catalina 30, like this one owned by Fred and Carla Hazlewood, is known for having plenty of space below deck. Doug Sundin/50 Plus
Set sail for serenity
The journey is the reward when you harness the wind
and you decide where you want to go.” It’s about the experience, not the destination. It’s about listening to the swack of waves breaking against the bow, experiencing a thrill as wind fills the sails and the boat takes a lean to one side, the satisfaction of navigating using the wind and your BY MICHELLE TURCOTTE wits rather than horsepower. 50 plus “There’s a feeling of self-sufficiency on the sailboat that you don’t have in a powerboat,” HazleAvid sailor Fred Hazlewood likes the idea of wood explained. “All you really need to know is the tricking the wind into taking you where you want direction of the wind.” to go. And where he wants to go when coasting The retired Manitowoc County judge loves noththrough the water propelled by nothing more than ing more in summer than to set sail on a sunny afa summer’s wind can be anywhere. That’s the beau- ternoon with his wife, Carla. He first got hooked on ty of setting sail. It doesn’t matter where you’re the sport as a student at the University of Wiscongoing, getting there is most of the fun. sin-Madison, embarking on his first sail with “If you’re day-sailing you don’t have to get to any friends on Lake Mendota in a 10-foot, single-sail specific point,” said Hazlewood, 69. “You look at the tech dinghy. He loved it instantly. wind, its strength, the direction it’s coming from, Now he navigates Lake Michigan in Varsity, his
4 • July/August 2010 • Herald Times Reporter
30-foot, 5-ton Catalina 30, named after the university’s alma mater. They’ve had Varsity for about eight years. “As we got closer to retirement my wife and I started thinking that it might be time to buy the sailboat we’d always been talking about,” Hazlewood said. “By then I was sailing with friends who had bigger boats. We’d go on several-day cruises with them, and we came to enjoy it.” Though they go on the occasional overnight cruise, he and Carla most often head out on daysails, leaving midmorning and returning midafternoon or evening. Sometimes they’ll sail to places like Kewaunee and Sturgeon Bay. The pair tries to get out on the water once or twice a week if they can, and Hazlewood says it’s a blessing Carla shares his love for sailing.
See Sailing, Page 6
ADRC news
Farm market vouchers available Stepping On
BY JUDY RANK 50 Plus
The Aging and Disability Resource Center has farmers market vouchers available to seniors who are 60 or older and whose income is at or below 185 percent of the poverty level. For a single person that means the monthly income cannot exceed $1,670 and a couple cannot have an income that exceeds $2,247 a month. The vouchers are worth $25 and come in $2 and $3 increments. They can be used at participating local farmers markets to purchase fresh, Wisconsingrown fruits and vegetables. Apply for vouchers at the ADRC from 8 a.m. to 4:30 p.m. Monday through Friday. Applicants are asked to bring proof of income, social security, birth date and address.
Focus on falls
Seniors are asked to mark Sept. 23 on their calendars to participate in the second annual “Fall Focus on Safe and Healthy Living.” Gov. Jim Doyle has declared Sept. 23 as “Fall Focus” and is encouraging counties to provide educational opportunities for the senior population to learn more about staying healthy and preventing falls. The event will be at the Holiday Inn and will end with a healthy lunch at noon. Cost of the event will be $7.50 per person.
make sure that you still have the same wishes. The ADRC is hosting Watch for news releases training for new facilita- on the subject as time tors of the Stepping On draws closer to Sept. 1. program, so that this program can be offered more Fair time coming often in the county. This Australian evidence-based The Manitowoc County program has shown re- Fair will be Aug.24-29. Semarkable success in in- nior Day at the Fair will be creasing strength and bal- Thursday, Aug. 26. For just ance for elderly partici- $5, anytime before 5 p.m., a pants who have a history senior may spend the enof falling or are at high tire day at the fair. This inrisk for falls. It is a seven- cludes parking, but not week program that meets rides. Staff from the once a week for two hours. ADRC will be at the Local Seniors may call the Emergency Planning ADRC at (920) 683-4180 to Committee booth from 10 get their names on the a.m. until 5 p.m. that day. waiting list for the next They will be prepared to class. talk with you about prescription drug coverage More protective law and assist you in learning if you are eligible for Low A new Durable Power of Income Subsidy. Attorney law, Chapter 244 of Wisconsin Statutes, will New staff member take effect on Sept. 1. The new law has more protecLinda Grider has joined tions for both the con- the staff of the ADRC as a sumer and individuals mobility manager. Linda asked to accept the docu- will be working with the ment. It also gives agents rural communities in setmore instruction as to ting up shopping opportutheir duties and obliga- nities, along with medical tions under the document appointments to Maniand as a fiduciary agency. towoc and Two Rivers. This new law makes Wis- Rural communities will consin’s Power of Attor- have a designated day durney for Finances and Prop- ing the week when this operty (POA-F) more consis- portunity will be available tent with many other to its residents. Interested states. seniors may call the Documents executed be- ADRC at (920) 683-4180 to fore Sept. 1 will remain speak with Linda about valid so long as they were services through the prolawfully executed. Howev- gram. er, it is always a good idea to review your POA every Judy Rank is executive director of the five years or any time life- Manitowoc County Aging and Disabilichanging events occurs, to ty Resource Center.
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Herald Times Reporter • July/August 2010 • 5
Sailing From Page 4
“She’s a really good helmsperson,” he said. “She’s probably better steering this thing than I am. She likes when the boat looks like it’s going to bury the rail in the water. She wants to see the water running right down the gutters.” For his part, Hazlewood can’t resist the challenge of trying to navigate the sailboat into the harbor without turning on the engine, sometimes to the annoyance of Carla, he said with a laugh. Though they both like a challenge, the main draw is the serenity of being out on the water. “The thing I like about sailing is the silence,” said Hazlewood. “And there’s always another way to make the boat move through the wind and water. You’ll probably never learn all the tricks in a lifetime, so there’s always something new to learn.”
Cottage on the water John and Gloria Creagh can be found on their sailboat in Manitowoc Marina almost every weekend in summer. The Manitowoc couple considers their 30foot sloop rig boat their cottage on the water. “We often come down to the boat and we’ll spend the weekend,” said John, 57. “We’ll go sailing during the day, just out and about wherever we feel like going.” “You come down here and there are no interruptions,” said Gloria, 57. “On the weekend it’s just laid back and we have a good time. We go sailing a lot — we’ll sail over to Two Rivers and have lunch.” The pair embarks on extended cruises three or four weekends each summer, heading to places like Sheboygan, Sturgeon Bay or crossing Lake Michigan to attend a wedding in Grand Rapids, Mich. They say the boat is like a trailer, with amenities including a small refrigerator and hot water, and enough space to store two bikes. The Creaghs set out on a two-week cruise in late June, hitting spots along the way up through northern Door County before crossing the lake to Michigan — which takes about 10 hours — and looping back. They spent nights on the boat, docking in different marinas along the way. Some of their closest friends are people they’ve met on the dock at the Manitowoc Marina. They met up with a few other couples during the second week of their recent sailing adventure, who were sailing on one-week cruises of their own. Manitowoc is where John first got interested in sailing shortly after he moved from Chicago in his early 20s. The marina wasn’t built yet, and the boats were docked where the USS COBIA submarine is now. “A gentleman at work took me sailing on his boat,” he said. “It just so happened that when we got back in there was a group of guys that were just coming back from sailing too, and he introduced me to them.” Creagh said there used to be a very active racing program in town, and the guys invited him to join them that weekend.
John and Gloria Creagh of Manitowoc call their 30-foot sailboat their cottage on the water. Michelle Turcotte/50 Plus “There were lots of sailors, and they were always looking for crew,” he said. “Back then you could show up at the marina with a 12-pack and a lifejacket and you could sail all weekend.” Though he doesn’t formally race, he said most sailors are always judging themselves out on the water. “You want to see, ‘Can I catch that boat?’” he explained. The Creaghs purchased their sailboat, Rhomboid, about seven years ago after their sons left home and they had the time to devote to sailing. They kept its name, which refers to the shape of an ice cube, as the boat initially belonged to a man with Manitowoc Ice. “It was just the right time and the perfect opportunity for us to get back into it,” John said. “Sailing is a great sport. And it’s very relaxing. You’re not worrying about everything else. It’s how do I use the wind to get from here to there?” “It’s heavenly when you’re out there,” added Gloria.
6 • July/August 2010 • Herald Times Reporter
Sailing lessons offered Would-be sailing enthusiasts can find information on sailing instruction at www.manitowocmarina.com. A three-day intensive course, taught through Sailboats Inc., includes 22 hours of handson boat handling experience aboard a 30-foot cruising sailboat, and runs from Aug. 6-8 in Manitowoc. Cost is $895 for the first person enrolled and $745 for each additional person æ The Manitowoc-Two Rivers YMCA also offers adult sailing lessons. Participants learn the elements of sailing smaller boats aboard a fleet of 14foot Hunter sailboats. The three-week session meets for two-hour periods three times a week. While this summer’s class already has begun, it is offered every summer. Cost is $65 for YMCA members and $75 for nonmembers. For information call (920) 6820341.
Health/Wellness
Keep a personal medication record
D
o you refer to the medication you take to lower your blood pressure as “my round pill” and the one for your cholesterol as “the little brown football? If you do, you’re not alone. Unfortunately, when you go to the pharmacy or your doctor’s office, it’s difficult for us to make sure you’re taking your medication appropriately when all that we have to work with is “it’s a big white pill for my heart.” I don’t expect everyone to remember all the names, doses and directions of all the medications they take every day, especially with drug names that sound more like fantasy worlds in science fiction movies than English language. But I encourage people to keep an up-to-date, personal medication record with them at all times. This is especially important when they’re using multiple physicians and/or multiple pharmacies. Personal medication records should include the following for each prescription medication, over-thecounter product, herbal or dietary supplement, and vitamin that you take: æ The medication name æ The strength (e.g., 20 mg)
Marv Moore æ The directions for use (e.g. one tablet daily at bedtime) æ The purpose (e.g., high blood pressure) æ The date it was first prescribed æ The name of the prescriber æ The name of the pharmacy that dispensed the medication to you The following information should also be part of your complete personal medication record: æ Your name, address, and date of birth æ Allergies to medication, food, dyes, tape, etc. æ Medications you’ve taken in the past but are currently not taking and the reason for not taking them anymore (e.g. caused a rash or didn’t work effectively) æ Vaccination record æ Emergency contact information æ Primary physician’s
name and phone number æ Primary pharmacy’s name and phone number It’s very important that all the information on your personal medication record is kept up-to-date. Any time you are prescribed a new medication make sure to add it to your record and make sure you know why it was prescribed for you. It’s also important to update the dose or directions for use if either of those is changed on one or more of your medications. Your pharmacist should be able to help you with this if needed. It’s also important to update your record if you are given samples of medication from the doctor. Oftentimes these are not labeled with directions for use, so please make sure you know how to take these. Ask the doctor or nurse to help you update your medication record if needed. Please share your personal medication record each time you go to the hospital, doctor’s office or pharmacy. Taking the steps above could help prevent an adverse reaction, an emergency room visit, or worse.
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Gardening
Keep your garden truly organic
The trend for gardening at home continues to grow — and people are taking a particular interest in raising their flowers and vegetables organically. With such prominent figures as Michelle Obama taking public initiatives in organic gardening, more and more products that cater to the trend are appearing. Unfortunately, the increased interest in organic gardening has led to some confusion — and some deception — about what it means for a product to be “organic.” The labeling of products has become a minefield for consumers who are interested in eco-friendly agriculture. It can be difficult to know exactly what is meant by products labeled “natural,” “plantbased” or “organic.” Official organic labeling comes from the U.S. Department of Agriculture (USDA). Their seal comes in a few forms, denoting whether a product is “100 percent organic,” “organic,” or “made with organic” ingredients. Unfortunately, anecdotal evidence suggests this multitiered labeling system is also contributing to consumer confusion. For example, for a product to be labeled 100 percent organic, everything in it must be certified organic. If it says just “organic,” that means that it must contain 95 percent certified organic ingredients. If a product contains 70 percent organic ingredients, it can be labeled as being “made with organic [ingredients].” Any product with less than 70 percent organic ingredients cannot carry the USDA seal. Another thing to keep in mind is that a product labeled “natural” is not organic. While there might be some naturally occurring ingredients in the product, it doesn’t mean that it’s safe or earth-friendly — not
Read labels carefully to determine if garden products you’re using are truly “organic.” ARA to mention organic. Perhaps in an effort to simplify the consumer’s “organic” label options, the USDA also directs consumers to other organizations that can help them determine whether or not the
products they’re buying are 100 percent organic. One of those, the Organic Materials Review Institute (OMRI) is a nonprofit, independent organization that gives reviews of products and how they stand up to the Na-
8 • July/August 2010 • Herald Times Reporter
gardeners who want to keep their plots organic,” says Claude Boisvert, president of Tree World Plant Care Products. “It makes it easier than ever to find gardening supplements that are not harmful to the environment.” If your main concern in planting an organic garden is providing your family with safe-to-eat, healthy food right from your own back yard, you’ll want to take the trouble to make sure you’re using truly organic gardening products. At the same time, you want your garden to look great and produce well. One of the biggest challenges to organic gardening is keeping pests away in a way that is humane and safe. For smaller pests, it is increasingly easy to find organic insecticidal soaps that are safe unlike some traditional pesticides. Larger garden plant browsers can really wreak havoc unless you use a rabbit or deer repellent. An OMRI listed solution, developed in eco-conscious Sweden and now made in the United States, is Plantskydd. Its effectiveness and environmental soundness as an organic repellent have made it popular for farming and among gardeners, professional landscapers, nurseries, foresters and state conservation agencies. It’s important to remember that you have the power to influence the products that are available to you. If keeping your organic garden truly organic is important to you, discuss your concerns with local retailers. By asking them to stock products that have been subject to rigorous standards, like those of OMRI, you’ll make it easier for everyone in your community to have access to verified organic materials.
tional Organic Standards from the USDA. For concerned consumers, they provide a comprehensive list (available online) of products that pass the test. “OMRI’s list is an invaluable tool for ARA
CROSSWORD THEME: EAT YOUR VEGGIES ACROSS
DOWN
1. Dance named after horse’s gallop 6. *National gardening organization, acr. 9. Wood file 13. Description for twins 14. Loud noise 15. Ski run 16. Technical term for human body, pl. 17. Female reproductive cell, pl. 18. Twig of a willow tree 19. *Bell _______, pl. 21. Wealthy person, slang 23. International trade organization 24. Halo 25. Woman’s undergarment 28. Opposed to 30. Principles of right and wrong 35. The Tramp’s companion 37. *Like the skin of an eggplant 39. Should 40. Pavarotti’s song 41. Catalog purchase 43. Arctic floater 44. Gives a certain impression 46. *Fruit grows on it, not veggies 47. Golfer’s warning 48. Worthy of belief 50. A third of thrice 52. Old-fashioned over 53. Done to benefits? 55. They’re hotly anticipated during Super Bowl 57. *It doubles as a name for a sport 60. *Source of Popeye’s strength 64. Islamic beauty of Paradise 65. Choose instead 67. Handsome like Marcello Mastroianni 68. Done to wheels in an auto shop 69. “Back To The Future” actress 70. Disclose or reveal 71. Ignorant person 72. A light touch 73. Wear away
1. Breath after a punch in the stomach, e.g. 2. Medicinal house plant 3. *Quality of overcooked asparagus 4. Similar to giraffe but smaller 5. Former unit of money in Spain 6. “Without further ____”, pl. 7. T-cell killer 8. State of complete confusion 9. Reduced instruction set computer 10. *Continent that gave us bok choy 11. Proofreader’s “disregard” word 12. ___ capita 15. *It inspired a classic toy 20. Mozart’s “Turkish March,” a.k.a. “Turkish ____” 22. They ___ or they’re 24. Parachute delivery 25. “_____ from the past” 26. Less common than rare 27. Farewell in Paris 29. *The French use veggies in this pastry or pie-like dish 31. A state of irritation 32. Eskimo hut 33. House work 34. “____ clear” 36. *Not quite sweet potatoes 38. Incisive or nifty 42. Summary 45. Flu variety 49. Nod up and down 51. *Like a white mushroom, unlike a toadstool 54. Near the wind 56. Express contempt 57. Unaccompanied 58. Witty remark 59. Strong desire 60. It results in back wound 61. Palo ____, CA 62. Oaf 63. Whetstone 64. Experienced 66. *It’s just like others in a pod
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W
e all know that the ultimate quest is to make it to the retirement stage of life with our health, our family, our friends and ample cash flow each month so we do not have to deny ourselves the things that hard work for decades should be able to provide. However, the mindset of today’s new retiree is totally different from our parents’ generation, particularly with the everchanging stock market, interest rate climate, tax traps and general economic uncertainty for monthly bills we all must face. Add to that the reality that most of us will live almost as many years as a retiree as we were in the work force, and the challenges mount, but can indeed be faced and conquered. Here’s how: æ We must shift our expectations — 59 percent of workers expect to get a traditional pension payment upon retirement, but only 41 percent of Americans are enrolled
Greg Anderson in such plans. How can that work out? It’s one of many examples of how our expectations do not match up with reality. æ Dealing with the market meltdown — All of us have had our portfolios affected over the years with the wild swings (both up and down) in the stock market, but the key is how you react and deal with these swings. Do you lose sleep? Do you give up and hide your money in a savings account? Do you let the daily news stress you out and create panic? Emotions play a huge role in how we each approach the retirement phase of life, and there is no right or wrong answer that works for all of us.
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10 • July/August 2010 • Herald Times Reporter
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This is why getting input from advisers will allow you to separate emotion from facts so you can stay committed to the road that mathematically works for your situation. æ Re-examine your desired lifestyle — Not everyone needs a bundle of cash to enjoy retirement, many are content with a predictable level of cash flow and would rather use their time with friends, family, a book, or other things that will cost little or no money. Yet the other extreme can apply — some folks expect retirement to be their overdue chance to take those month-long cruises, winter in Florida, or buy a lot of toys that were denied as they worked and raised a family. Which attitude is right? They both can be correct, yet you need to identify your likely attitude so a proper plan can be created so you do not outlive your money.
ã See Retirement, Page 11
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Financial
æ Tapping into your home equity — If cash is a little tight, look back to the equity built up in your current home. Even if you plan to stay there (as opposed to downsizing), what would happen if your spouse passed away? Would you stay there? Or if nobody is left in the home, do your kids really plan to relocate and call this house their new home? Or would it just be sold off for what the market bears at that time? Perhaps you can help your cash flow needs today be looking into new ideas like reverse mortgages. It could be a solution for many cases that otherwise would prematurely spend down their qualified plan money, or worse yet, deny themselves things that require the cash flow.
ferent than they are today. Understanding how to separate the myths from the realities is the key for a successful retirement, at least from the financial standpoint. Most consumers need to reach out to the many area experts that deal with these issues every day. Trying to just “hope for the best” or “going it alone” most often will only result in poor results. It is not a sign of weakness to seek out help in an area you truly are not an expert in; in fact the true weakness of a man or woman is to be too stubborn to seek out that advice. The real victims of such an attitude will be your loved ones — and yourself. Greg Anderson is a certified public accountant,CFP with Ihlenfeld Skatrud and Anderson,CPAs and also the host since 1990 of the “MONEYTALKS” radio program, which airs on WOMT 1240 each Tuesday, Wednesday and Thursday.
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Some decisions are too
Did you ever wonder …
important
æ Why does the sun lighten your hair but darken æ That indestructible black box on airplanes, why
tice?
æ Why the man who invests all your money is called a broker?
æ Why the time of day with the slowest traffic is called rush hour?
æ Why Noah didn’t swat those two mosquitoes?
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to be rushed.
don’t they make the whole plane of that stuff?
æ Why living places are called apartments when they are stuck together? æ If con is the opposite of pro, is Congress the opposite of Progress? æ If flying is so safe why do they call the airport the terminal?
IIt just makes sense to prepare for the inevitable
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æ Why is abbreviated such a long word? æ Why is it that doctors call what they do prac-
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From Page 10
æ Leaving a legacy — Your name does not have to be Kennedy or Rockefeller to worry about the word legacy. All of us have pride in what we have accomplished during our working years, and surely want to leave any remaining assets to our family (or a charity, key friends, etc.) Too many people ignore updated estate planning because they believe it is only for the rich, for the complicated estates, or by doing such planning they will hasten their own demise (the “jinx” excuse). The key is to avoid automatic blunders that can occur without proper planning. It is crucial to get all family members somewhat involved in the overall discussions. And do not forget such simple things as updating those beneficiary designations on life insurance, annuities, retirement plans, etc. Many that were filled out years ago when law and facts were very dif-
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Retirement
Herald Times Reporter • July/August 2010 • 11
Recipes
Dartboard pizza
Smoked turkey pizza
Directions
1 Serving Prep/total time: 20 min.
Place the crust on a baking sheet or pizza pan. Spread with cranberry sauce; sprinkle with onion and cheese. Ingredients Arrange turkey over cheese; sprinkle with walnuts. Bake at 375 degrees for æ 1 prebaked mini pizza crust 10-15 minutes or until cheese is æ ¼ cup whole-berry cranberry sauce melted. æ 1 tablespoon chopped onion Yield: 1 serving. æ ¿ cup shredded Monterey Jack Nutrition facts: 1 serving (1 each) cheese equals 714 calories, 24 g fat (9 g saturatæ 2 ounces thinly sliced deli smoked ed fat), 55 mg cholesterol, 1,551 mg turkey, cut into strips sodium, 93 g carbohydrate, 3 g fiber, æ 1 teaspoon chopped walnuts 34 g protein.
12 • July/August 2010 • Herald Times Reporter
browned. Cool on a wire rack. Spread pizza sauce over the crust; sprinkle 4 Servings with mozzarella cheese. Prep/total time: 30 min. Place one pepperoni slice in the center of the pizza; chop remaining pepperIngredients oni. Sprinkle some chopped pepperoni around the outer edge of pizza, leaving 1 tube (13.8 ounces) refrigerated pizza a half-inch of crust. Sprinkle remaining crust pepperoni in a circle between center 1 can (8 ounces) pizza sauce slice and outer edge. Arrange cheddar 2 cups (8 ounces) shredded mozzarella cheese and green pepper alternately in cheese a spoke pattern. 1 package (3½ ounces) sliced pepperoni Bake at 425 degrees for 12 minutes or 1½ cups (6 ounces) shredded cheddar until cheese is melted and pizza is heatcheese ed through. 1 cup chopped green pepper Yield: 1 pizza. Nutrition facts: 1 serving (2 slices) Directions equals 651 calories, 39 g fat (21 g saturated fat), 110 mg cholesterol, 1,631 mg Unroll pizza crust onto an ungreased sodium, 42 g carbohydrate, 3 g fiber, 32 g 14-inch pizza pan; flatten dough and protein. build up edges slightly. Prick dough sevRecipes and photos courtesy of Taste of Home; www eral times with a fork. Bake at 425 de.tasteofhome.com grees for 7 minutes or until lightly
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More older couples divorcing? decade,” Pepper Schwartz, professor of sociology at the University of Washington, told CNN. “People think you only get closer over time, but that’s not necessarily true.” Schwartz, who is also a relationship expert for the American Association for Retired Persons (AARP), believes that a longer life span may be one reason some long — married couples are deciding to divorce. While previously, many older couples sought to avoid the turmoil of such a disruption so late in life, a longer life expectancy — and with it, the hope of finding a new, more fulfilling relationship — may lead more people to choose divorce. “Half a century ago, an unhappy couple in their mid-60s might have stayed
together because they thought it wasn’t worth divorcing if they had only a few years left to live,” Schwartz writes in an article on the AARP website. “Now, 65-year-olds can easily envision at least 20 more active years — and they don’t want them to be loveless, or full of frustration or disappointment.” The dissolution of a longterm marriage is often less of a sudden blowup than a result of many years of decline. “It’s more like a balloon that has been seeping air for a long time,” Schwartz says. “After a while, it’s totally deflated.” Divorce, once viewed as a social taboo, has over the years become more acceptable and easier to attain. From 50Plus.com
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The news that Al and Tipper Gore were separating after 40 years of marriage may have come as a surprise to the public, but some experts predict this may be indicative of a growing trend: as lifespan increases — along with the acceptability of divorce — more older couples may be saying, “Enough.” While the divorce rate among long-married couples is not as high as for newlyweds or parents overwhelmed with raising children, experts say that it is becoming more commonplace for people to call it quits after investing 30 or 40 years or more in a relationship. “Staying in exactly the right relationship to one another is a very hard thing to maintain every
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Herald Times Reporter • July/August 2010 • 13
Saturday-Sunday — Wisconsin’s first Ford dealership — Celebration of 100 years, Village Park, Valders, Open car show, Saturday (Ford only), Sunday (all makes and models), Marine Band and Sunday parade. (920) 369-8122
Sunday — Garden Expo, Cleveland Dairyland Park. Presented by the East Wind Garden Club, features raffles, demonstrations, and a container contest for prizes, free. 1 p.m.
THINGS TO DO Aug. 6-7 — Rogers Street Days, Rogers Street Fishing Village, Two Rivers, A museum fundraiser and community celebration featuring live music, smelt, burgers, brats, beverages, crawfish (on Saturday), kayak parade and games for kids. Museum admission free on Saturday from noon to 4 p.m., (920) 793-5905
Two Rivers, featuring the Two Rivers Municipal Band highlights concert, free, 7 to 8:30 p.m., (920) 793-5590
Aug. 6-8 — Lakeshore Weekend for Kids, Manitowoc Lakefront, 19th annual family-oriented fundraising event featuring dragon Tuesday — MetroStage boat racing, children’s enterConcerts in the Park, Wash- tainment and games, a kid’s ington Park, sponsored by fishing derby, live bands, the Manitowoc Parks & silent auction, raffle, panRecreation Department, fea- cake breakfast and more. All turing The Clipper City proceeds benefit Children’s Chordsmen, free, 6:30 p.m. Hospital of Wisconsin. Begins at 5 p.m. Friday, ends Wednesday — Mishicot’s at 5 p.m. Sunday, free; Outdoor Summer Concert, (920) 686-9446, randy Mishicot Middle School, heinzen@sbcglobal.net Woody Manicoski Quartet, jazz, social hour 5:30 p.m., Aug. 7 — Family Christian concert 6:30 p.m. Concert, Camp TaPaWingo,
Thursday — MetroStage Marine Band Concerts in the Park, Washington Park, if inclement weather, concerts will be moved to Citizen Park, sponsored by the Manitowoc Parks & Recreation Department, free, 7 p.m.
Live music, bring your lawn chair, food available, free miniature golf, free, 2 to 8 p.m., (920) 773-3050
Thursday — Music Under the Stars, Central Park in Two Rivers, featuring the Two Rivers Municipal Band, free, 7 to 8:30 p.m., (920) 793-5590
Aug. 8 — Annual Kiwanis Car Show, Washington Park, Manitowoc, 10 a.m. to 4 p.m., (920) 682-9710
Aug. 6 — Community Care Day and Maxwell Street Day Sidewalk Sale & Ping Pong Ball Drop, Central Park,Two Rivers, 9 a.m. to 5 p.m., (920) 794-1482
Aug. 7-8 — Northeastern Wisconsin Czech & Kolache Festival, Kewaunee Heritage Farm, (920) 3880604
Kathy Krupski tries on a necklace with help from her sister, Susie Zimmermann, both of Manitowoc, as they shop during a previous Maxwell Street Day in Two Rivers. This year’s event is scheduled for 9 a.m. to 5 p.m. Aug. 6 in downtown Two Rivers. It features sidewalk sales, food stands and a pingpong ball drop. Sue Pischke/50 Plus file photo age options for all fans, including new ticket upgrade opportunities and a junior ticket option.
Michaels Saints, free, 6:30 p.m.
Aug. 12-13 — Tom Drill’s Showtime ’10, Thursday Aug. 10 — MetroStage and Friday at Riverfront by Concerts in the Park, Wash- City Hall, sponsored by the Manitowoc Parks and Aug. 9 — Bingo, Merchants ington Park, sponsored by the Manitowoc Parks & Recreation Department. Building at Manitowoc County Expo, 7 to 9:30 p.m., Recreation Department, fea- Food, music by the Marine turing Becky Markvart Duo, Band, variety show on a (920) 683-4378 free, 6:30 p.m. river barge hosted by Tom Aug. 9-15 — 92nd PGA Drill, free, (920) 686-0538 Aug. 11 — MetroStage Championship, Whistling Concerts in the Park, Wash- Aug. 12 — Music Under Straits. Tickets are on sale the Stars, Central Park in now, with a variety of pack- ington Park, featuring
14 • July/August 2010 • Herald Times Reporter
Mariners Trail-A-Thon, Woodland Drive Wayside on Memorial Drive between Manitowoc and Two Rivers, trail walk, fun run, and Scavenger Adventure, with onsite auction; proceeds go to the promotion, maintenance and development of Mariners Trail; register online or on-site, (920) 6840828
Aug. 14 — Subculture Saturday, Wisconsin Maritime Museum, celebrate the 40th anniversary of the USS Cobia’s arrival in Manitowoc. Eat from a giant “sub” sandwich, try a trivia contest, meet World War II re-enactors. (920) 684-0218 Aug. 21 — Butterfly Garden Festival, Woodland Dunes, Aug. 14 — Member Appre- Learn about butterflies and ciation Day, Lincoln Park the plants that attract them Zoo, Lincoln Park Zoological at this fun family event. ButSociety hosts a fun-filled terfly and caterpillar demonday to thank everyone for strations, butterfly art projsupporting the Lincoln Park ects, garden talks and tours Zoo, (920) 683-4685 and wildflower and butterfly hikes. 9 a.m., (920) 793Aug. 15 — United Way 4007 Campaign Kickoff, Manitowoc Heritage Center, Old- Aug. 21-22 — Civil War fashioned pie and ice cream Remembered, Pinecrest social to celebrate the 80Historical Village, Relive theyear anniversary. There will Civil War through educabe games, entertainment, tional programs, battle reand announcement of the enactments, civilian demon2010 campaign goal, (920) strators, music, sutlers and 682-8888 more. 9 a.m. to 4 p.m. Aug. 17 — MetroStage Concerts in the Park, Washington Park, featuring Doc & Friends, free, 6:30 p.m. Aug. 18 — Mishicot’s Outdoor Summer Concert, Mishicot Middle School, Newtonburg. Brass Band and Zion United Methodist ice cream social. Social hour, 5:30 p.m.; concert 6:30 p.m. Aug. 19 — Music Under the Stars, Central Park in Two Rivers, featuring Johnny Len performing variety, country and western and requests,free, 7 to 8:30 p.m., (920) 793-5590 Aug. 21 — Seventh annual
Aug. 24 — Mishicot’s Outdoor Summer Concert, Mishicot Middle School, The Del Rays, doo-wop rock ’n’ roll street dance; social hour, 5:30 p.m.; concert, 6:30 p.m. Aug. 24-29 — 2010 Manitowoc County Fair, Manitowoc County Expo, ag exhibits, youth exhibits, displays, rides, musical entertainment and food. Fun for the whole family. (920) 6834378 Aug. 26 — Music Under the Stars, Central Park in Two Rivers, featuring Rod Scheuer Duo performing acoustic pop and rock, 7 to 8:30 p.m., (920) 793-5590
Financial
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Which annuity is right for you?
An annuity can be a sound investment for a secure retirement. deferred: First, consider when you will want your money. If you need it right away, use a lump sum to purchase an immediate annuity, which starts paying out within 13 months. With a deferred annuity, you invest your money now, let it grow over time, then convert it to an income stream at some point in the future. æ Fixed or variable: Next,
You need to see Chuck Binns
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determine your risk tolerance. Fixed annuities offer a more conservative solution as they build retirement assets at a guaranteed interest rate. Variable annuities are riskier because account values are based on market fluctuations, but they do have the potential for higher rewards. æ Consider your options: There are several options you can add to an annuity. For example, you can adjust payouts for inflation, select a death benefit that pays out to your heirs, or receive a lump sum in case of an emergency. Extra fees may apply with some of these options. For more information about annuities, visit www.symetra .com.
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Annuities are in the spotlight these days as an increasingly popular way to help Americans achieve a secure retirement. “People are living longer, and the prospect of outliving your money is very real,” said Rich Lindsay, senior vice president of Life and Annuities at Symetra Financial. “Annuities are a great way to ensure your money lasts as long as you do.” When you buy an annuity, the insurance company has a contractual obligation to guarantee payment at the time you designate. Your money grows tax-deferred as long as it remains in the contract. Here's a primer to help determine which type of annuity is right for you: æ Immediate or
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Financial literacy website has new look situation. For instance, the site includes resources for teachers, service members, women, parents, youth, employers and more. The site also provides money-management tools including a financial savings calculator, worksheets for establishing a household budget, and a college preparation checklist, among others. A Spanish language version of the material is also available. The effort to make the website helpful and useful will be ongoing, with improvements expected to continue. “As America recovers from the most severe financial crisis since the Great Depression, it’s critical that we strengthen every aspect of our financial system. That means not only strong reforms and consumer protections, but also improved financial literacy and access,” said Treasury Deputy Secretary Neal Wolin.
“Financial education and access is a priority for this administration, and we’re pleased to provide this critical resource to help Americans find free, reliable and unbiased information that can help inform their daily financial decisions and plan for the future.” The website was made possible by the FLEC, which was established under the Fair and Accurate Credit Transactions Act of 2003. The commission was tasked to develop a national financial education website along with a hotline (888) MyMoney and a national strategy on financial education. It is chaired by the secretary of the Treasury and made up of the heads of 20 additional federal agencies. It is coordinated by the Department of the Treasury’s Office of Financial Education.
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There’s good news for Americans seeking information that can help guide their financial decisions. A financial literacy education website has been redesigned to provide more interactive features and enhanced utility to visitors. The site — www.my money.gov — is a project of the Financial Literacy and Education Commission (FLEC). The new version of the site creates an online point of access for financial information from the 21 federal agencies, departments and bureaus that comprise the FLEC. Users will be able to find information about how to plan for a host of life events that have financial implications, such as birth or adoption of a child, home ownership or retirement. They can also find information targeted to their personal or professional
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Herald Times Reporter • July/August 2010 • 15
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16 • July/August 2010 • Herald Times Reporter
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