50 January 2012 | The magazine for active, mature lifestyles
plus!
THINGS TO DO
2
Saavy Senior: Affordable Financial Advice
3
ADRC: SeniorCare Waiver Extended
4
FINANCIAL COLUMN: What kind of investor are you? Steve Ford
9
HEALTH COLUMN: ‘12 Days’ of the New Year Stacey Soeldner
10
6 Born to swim FEATURE STORY:
Y aquatics coordinator began at early agE
THINGS TO DO
2
Saavy Senior: Affordable Financial Advice
3
ADRC: SeniorCare Waiver Extended
4
On the Cover:
BORN TO SWIM
6-7
Janet Schultz, 60, aquatic coordinator at the Y in Manitowoc, swims laps in the pool during the master swim team practice. Schultz has won numerous master swim meets and has been swimming since age 6.
New Year’s Eve Under the “Big Top” — ManitowocTwo Rivers YMCA, Fun filled evening of games, food, prizes, swimming, music and a magician. For all ages! New Year’s countdown and balloon drop starts at 8 p.m. (920) 682-0341
Jan. 7
Manitowoc’s Evergleam Trees — Manitowoc County Heritage Center. Jerry Waak, former vice president of sales for the Aluminum Specialty Company, will share the behind-the-scenes story of the origin of the aluminum Christmas tree. Talk will be followed by a catered meal, 5:30 to 7 p.m. Preregistration required. Contact Amy Meyer, (920) 684-4445
Jan. 14
Rummage-A-Rama — Manitowoc County Expo. A community rummage sale that will include baked goods, pictures, clothing, antiques, games and more; 8:30 a.m. to 2:30 p.m. (920) 683-4378
Jan. 21
UW-Manitowoc Lakeshore Wind Ensemble & the Lakeshore Big Band — Capitol Civic Centre, From Broadway and on to the Silver Screen featuring “Sound of Music,” “Jesus Christ Superstar,” “Beauty and the Beast” and many more. 7:30 p.m.; (920) 683-2184
Sue Pischke/50 Plus
FINANCIAL COLUMN: What kind of investor are you? Steve Ford HEALTH COLUMN: ‘12 Days’ of the New Year Stacey Soeldner
Dec. 31
9 10
Staff
Pat Pankratz, 50 Plus! Editor 920-686-2138 ppankratz@htrnews.com James Maurer, Advertising Manager 920-684-4433 jmaurer2@manitowoc.gannett.com 50 Plus! is published monthly by the Herald Times Reporter. It also is distributed to select businesses in Manitowoc County.
Snowshoe Hike — Woodland Dunes Nature Center.Explore winter ecology on this guided hike to the West Twin Rivers. Some shoes are available to rent.Call to reserve shoes and spot, (920) 793-4007
Jan. 22
Train and Tractor Family Sunday — Point Beach Energy Center. Model (toy) trains and tractors on display and for sale, train and tractor story time every halfhour and children’s play area. Free. (920) 755-6400 or 800-8808463
2 . January 2012 . 50 plus!
I M M E D I AT E O P E N I N G S • L O W- R E N T H O U S I N G FOR SENIORS OR • HANDICAPPED, DISABLED
• • • •
Jan. 28
The Cashore Marionettes: Life in Motion — Capitol Civic Centre. A collection of engaging pieces encompassing a broad range of themes. 3 and 7 p.m. (920) 683-2184
Director Michael Arendt will lead the UW-Manitowoc Lakeshore Wind Ensemble and Lakeshore Big Band in its Jan. 21 concert, featuring music from Broadway and the silver screen, at the Capitol Civic Centre. 50 Plus file photo
PARK LANE APARTMENTS • 416 PARK LANE • MISHICOT, WI
WI-5001433657
Table of Contents . January 2012
plus!
THINGS TO DO
One and two bedroom with full kitchen and appliances • Patios and decks • Coin-operated laundry in all buildings • Off-street blacktop parking with heater plug ins •
Across the street from Village Park Seniors 62 and over Handicapped or disabled 18 years of age and over One block from a grocery store
Rent based on 30% of income, less medical Professionally Managed By: Bob Gregurich •
683-3042
WI-5001433656
50 Oral Storytelling Preserves History
Affordable Financial Advice Available Dear Savvy Senior: Can you recommend any resources that provide affordable, one-shot financial advice for folks on a budget? I’m about six years from retirement and would like a quick financial checkup and get a few questions answered, but I don’t want to pay an ongoing financial advisor to manage my money.
Seeking Advice
Dear Seeking: There are actually a number of services you can turn to for occasional financial and investment advice without tying yourself down or spending a fortune. Here are several to check out. Fee-Only Advisors: If you only want a one-time financial checkup, have a few financial questions you need answered, or are looking for some occasional investment advice, a fee-only financial advisor with a certified financial planner (or CFP) certification is one of your best options. The CFP certification serves as the gold standard for personal financial planning, and fee-only advisors charge on an hourly basis, versus advisors who earn a commission by selling you financial products. A great place to find fee-only advisors is at the Garrett Planning Network, which offers the
services of 300 independent advisers nationwide. At garrettplanningnetwork.com (or call 866-260-8400) you can locate an advisor in your area, hire one, and get an hour or two of advice either over the phone or in person. There’s no minimum income or net worth requirements you’ll need to meet to get help. And you can use this service for a one-time engagement, as well as for periodic or ongoing financial advice. The cost for a Garrett advisor ranges between $180 and $300 per hour. You can also find fee-only advisors through the National Association of Personal Financial Advisors website, which lists 1,400 accredited advisers at napfa. org. Other Services: Another convenient service you should know about is My Financial Advice (myfinancialadvice. com), which provides hourly advice via phone or email. You select the topics you want help with, like retirement planning, investing, insurance, employee benefits, debt management and more, and then choose a financial planner who is standing by to answer your question. This is great for one-shot questions and second opinions. The cost for this service averages $150 per hour, but simple questions can be answered
Jim Miller for less.
If you’re looking for help with your 401(k), 403(b), 457 plan, federal Thrift Savings Plan or SEP IRA, a company called Smart 401k (smart401k.com, 877627-8401) is worth a look. They provide personalized investment advice either over the phone or online based on the funds available in your retirement plan. The cost is $200 per year. And for do-it-yourself investors, Financial Engines (financialengines.com, 888-443-8577) is an online company that offers investment advice for retirement accounts, including guidance on employee stock options for $150 a year. Or you can get comprehensive investment advice that includes non-retirement accounts for $300 per year. Free Services: If you’re an AARP member, you can now get a free financial consultation through a new Affordable Finance continued on page 11
The Gardens at Felician Village Amenities: • Open floor plan • Full size stove and refrigerator, microwave and garbage disposal • Individually controlled heat and air conditioning • Washer/Dryer in Apartment • Daily activities • Lawn Maintenance • Underground Parking • Fitness room • Direct access to the new Village Square • 3 Restaurants included
Call Roselle Holschbach at 684-7171, ext 409, for a tour of our garden homes and apartments for seniors
Find us on Facebook Sponsored by the Felician Sisters
WI-5001433824
1700 S. 18th Street Manitowoc • www.felicianvillage.org 50 plus! . January 2012 . 3
ADRC:
SeniorCare Waiver
Extended By JUDY RANK| for 50 Plus!
The year 2011 is quickly coming to an end. Hopefully everyone had a nice Christmas and is looking forward to the new year, hoping that it brings good health and exciting opportunities for everyone. Many individuals asked about the future of SeniorCare during the Part D open enrollment, which ended Dec. 7. There is good news as Gov. Walker authorized the Secretary of the Department of Health Services (DHS), Dennis Smith, to request a federal extension of Wisconsin’s SeniorCare waiver. The current waiver is slated to expire on Dec. 31, 2012. Expressing your appreciation to the governor for this action will help ensure the future of SeniorCare.
Volunteers Sought Manitowoc County is looking for volunteers to become trained to co-facilitiate its Living Well with Chronic Conditions program. The state will be providing the necessary four-day training in Brown County at
the Oneida Elder Services, 2907 S. Overland in Oneida on Feb. 9, 10, 16 and 17. There is no cost to become trained.
For those of you unfamiliar with the program, Living Well with Chronic Conditions is an evidencebased prevention program. It is a community-based workshop that meets for 2-1/2 hours, once a week, for six weeks, in community settings such as senior centers, churches, libraries and hospitals. People with different chronic health problems attend together. Workshops are facilitated by two trained leaders, one or both of whom are non-health professionals with a chronic disease themselves.
Subjects covered include techniques to deal with problems such as frustration, fatigue, pain, and isolation; appropriate exercise for maintaining and improving strength, flexibility, and endurance; appropriate use of medications; communicating effectively with family, friends and health professionals; nutrition; and how to evaluate new treatments. Classes are highly participative. Mutual support and success build the participants’ confidence in their ability to manage their health and maintain active and fulfilling lives. The program was developed at Stanford University and has proven to reduce ER visits and
Wishing You and Your Family a Healthy and Prosperous
New Year
Hamilton Y hhometown choice Your h i ffor N Nursing i and Rehabilitation Services!
WI-5001433649
Care Center
1 Hamilton Drive | Two Rivers | Wisconsin 54241
4 . January 2012 . 50 plus!
hospitalizations and improve overall health and health behaviors. Those interested in the training may contact the Aging and Disability Resource Center at (920) 6834180. Those interested in participating in a six-week workshop may also contact the ADRC and ask to be placed on the waiting list for the next available class.
New Name The ADRC has been working with Kewaunee County the last 12 months in an effort to extend services into Kewaunee County. On Jan. 3, 2012, the ADRC will be offering services to the elderly, physically disabled, and developmentally disabled populations of both counties and will become known as the ADRC of the Lakeshore. The current ADRC at 4319 Expo Drive in Manitowoc will continue to serve as the office headquarters for the agency. A second office will be located on the corner of 810 Lincoln St. in Kewaunee. Two information and assistance specialists and a part-time disability benefit specialist will staff the Kewaunee office. Individuals from the two counties will be able to obtain services at either location. The phone number to reach the ADRC is 1-877-416-7083. Services for Manitowoc residents will continue as they have since it became an ADRC in 2006.
Skilled Nursing & Rehabilitation Redefined We are located in a beautiful serene wooded setting near downtown Two Rivers
Hamilton Care Center offers:
Private and Semi-private rooms Inpatient and Outpatient Physical, Occupational, and Speech Therapy. Our therapists are also trained in Low Vision and Incontinence/Bladder Therapy. Licensed qualified social service professionals. Activities geared toward all levels of function. Caring, compassionate staff eager to meet your needs. Come see the care we can provide.
Schedule your tour today!
1-920-793-2261
Arthritis Toolkits The ADRC has been given two Arthritis Toolkits to lend to individuals who are dealing with the pain of arthritis. Individuals may check out the kit for up to a two-month period. The kit includes material on how to deal with the pain and exercises that can reduce some of the pain. The Arthritis Foundation has developed this toolkit and is looking for individuals to use it and provide feedback on its value to them. Those who do try the kit will receive either
a first aid kit or a relaxation tape from the foundation for trying the materials. Please contact the ADRC at (920) 6834180 if you are interested in the kit.
Spacious m 1-Bedroo nts Apartme b Availa le
Meal Reminder With winter upon us, it is time to remind everyone that the county congregate and home-delivered meal programs usually follow the school closings. That means if the schools are closed in your community due to inclement weather, there will be no delivery of meals to home-bound individuals. So now is the time to stock up on non-perishable items, bottled water, a blanket, flashlight, and a battery operated radio to prepare yourself for weather conditions that could keep you in for a couple of days, or without electricity for a couple of days.
Those 55 & older or for adults with disabilities • Hot noon meals available • Affordable DirecTV package available • ON BUS ROUTE (Bus stop at front door) • Near grocery store, restaurant, medical park medi me dica call cclinics lilini nics cs & p ark ar k
MANITOU MANOR APARTMENTS
Happy New Year to everyone! Judy Rank is executive director of the Manitowoc County Aging and Disability Resource Center.
Come S our Ne ee wly Remod eled Lobby
• Rent is 30% of adjusted gross income • All utilities included • On-site laundry facilities • Off-street parking • Monthly Activity Schedule
WI-5001433658
The ADRC will be looking at ways to improve the services to the elderly population. Focus groups and other opportunities to meet with seniors in both counties will help the Older Americans Act programs identify what services are working well in both counties, what services need to be enhanced and how services may need to be revised to meet the needs of the retiring baby boomers. Senior input will help to write the 2013 State plan and ensure that quality services are provided by both counties.
http://manitoumanor.weebly.com
2012 20
Choose from two wonderful senior living communities!
1433 No. 6th Street Manitowoc • 684-5865
www.doneff.com Our upscale apartment community features underground parking, a well-appointed community room, & balcony/patio. Close to shopping and restaurants in Manitowoc. Call DEBBIE for a private tour: 901-RENT
WI-5001433650
This quaint, affordable apartment community features garages, community room & salon. Centrally located in Two Rivers. Call SUE for a private tour: 794-1555.
NO entrance or endowment fees: Appliances, heat, water, sewer all included.
WI-5001419948
50 plus! . January 2012 . 5
Born to
Swim
Y Aquatics Coordinator Began At Early Age By Deb Horn | 50 Plus! correspondent Janet Schultz of Manitowoc loves to swim. She started at age 6 when her mom enrolled her in swimming lessons at the local YMCA in Harvey, Ill. Swimming was also a family activity. Her dad had Multiple Sclerosis, and his doctor said he should exercise in the water because it would be good for him. “Swimming became our family time, our family Saturday night swim. We would go to the Y on Saturday, come home and watch Gunsmoke,” Schultz said. At 7, she joined the local Y swim team and has been competing ever since. “I enjoyed the swimming lessons, but I just loved the swim meets,” she said. She remembers swimming on the 8-and-under swim team in meets all around the Chicago area. “I practiced at our local Harvey YMCA. I enjoyed swim team then and enjoyed it through the years,” she said. When Schultz was in high school, there were no girls sports but she did swim some practices with the boys on the high school team. “If I beat the boys, they had to do 100 yards of butterfly, so it was always fun to beat the boys,” she recalls. She also timed for the boys’ swim meets. In fact, her brother, Carl, was on the boys’ swim team in high school, so she timed for him when she was a freshman and he was a senior. Although there was no girls’ swim team in high school,
6 . January 2012 . 50 plus!
Schultz participated in a synchronized swim club at school called the Aquettes. She also taught swimming to local children at her high school on Saturday mornings. She was a lifeguard at her high school and so she was a lifeguard for family swims there, too.
After High School After graduating from high school, she went on to UW-LaCrosse to major in physical education. They had a synchronized swim team there and she made the team as a freshman. She participated in the Catalina Club for four years. Schultz graduated from UW-LaCrosse in 1973 and taught physical education in Kenosha at Tremper High School and Lance Junior High School, as well as health classes. She married her husband, John, who was hired at Ripon College, so they moved to Ripon after a couple years at Kenosha. She and John had dated in college and got married a year after graduating. She later became the aquatic coordinator at Sentry Insurance Company in Stevens Point when she and her husband lived there. For the past 10 years, Schultz has been the aquatic coordinator at the Manitowoc-Two Rivers Y. “I taught other things, I did other jobs, but I came full circle back to swimming (and back to the Y),” Schultz said.
Once A Coach … The 60-year-old has taught swimming since she was 18. “I never let my water safety instructor card expire. I’ve kept my cards because we moved so much for my
Janet Schultz, 60, aquatic coordinator at the Y in Manitowoc, swims laps in the pool during the master swim team practice. Photos by Sue Pischke/50 Plus
husband’s jobs, so I always wanted to keep that card current so I could teach anywhere. “I do love to teach. I like helping people to swim better. I enjoy working with all ages to improve their swimming and it’s very rewarding for me to see progression,” she said. Schultz teaches babies to older adults. She can teach every aquatic class that is offered at the local Y. “The feel of the water is just wonderful. I love the feel of the water. And when I’m around the pool, I’m a pretty happy person,” she said. Schultz is proud of the fact that she coached the Lincoln High School girls swim team to a state berth in 1994. One of the girls who went to state that year is now coaching swim at the local Y and is an assistant swim coach at Lincoln High School. Schultz joined U.S. Masters Swimming in 1994. Carolyn Jensen started the swim program at the local Manitowoc-Two Rivers YMCA, knowing that there were many people who wanted to participate in organized workouts and then go to swim meets. Schultz started competing in 1994 and continues to compete. Their meets are held December through May. Members range in age from 18 to over 100. “We have workouts at our Y three times a week at noon hour,” Schultz said. “Some of us are fitness swimmers, some of us are triathletes and some of us are Masters Swimmers, so it’s kind of a group that wants to push each other. So they’re my buddies, my co-swimmers.” She noted there are four to seven in the group who meet on a regular basis. “I feel refreshed when I work
out, it’s a good feeling,” she said. “It’s fun to swim with each other because we push each other to swim a little faster or we will go a little longer distance. “After all my lap swimming, I do enjoy going out for a swim meet. It’s kind of my Me Day. I get to compete and talk swimming all day. “I enjoy competing and bettering my time from last year, that’s really my goal to better my time that I might have made in the same pool the year before. “I also like to beat the boys. I still enjoy racing the men and maybe beating them in a set or some yardage. It’s fun to challenge myself, but they’re pretty fast.”
Family Affair Her brother, Carl, lives in Madison and is also a Masters swimmer. He practices with the swim team at Madison East Y and enjoys his practices, but doesn’t usually compete in meets. However, when there is a Masters meet at Madison East Y, “he does swim with me and sometimes we enter the same event. So my mom goes and she yells for us like the old days.” “It’s been kind of fun. It’s neat that he is a Masters Swimmer, too,” said Schultz. “I enjoy competing and US. Masters Swimming gives me the chance to compete at my age and I can try to improve my times. Born To Swim continued on page 8
Schultz shares a laugh with team members during a recent master swim team practice. Schultz recently placed first in a record-setting swim at a YMCA masters swim meet in Wisconsin.
Schultzis a member of U.S. Masters Swimming, a national group that provides organized workouts, competitions, clinics and workshops for adults ranging in age from 18 to over 100. She is shown in her home with some of the medals and ribbons she has won, along with the Swimmer magazine, which is the official publication for U.S. Masters Swimming
important
Some decisions are too
to be rushed.
IIt just makes sense to prepare for the inevitable while emotions are at rest and heads are clear.
Visit us today and learn more about these special services:
���� ���������� ������ ��� ������� �� ����� WI-5001433727
to answer your questions and provide the guidance you need to make educated decisions.
Mike Jarzin Pre-planning Specialist
Call Mike today to set up an appointment.
������ ��� � ���� � � ���� ��� � ���� � � ����
������������� ����� ��� ��� ���� �� ��������������������������������
����� �������� ������ �������������� ����� � �������� ������ �������� ��� ������ ��������� ���������
WI-5001433725
����� ������� ������ ���� ���� ������ ������� �����
Pre-planning Specialist Mike Jarzin is available
818 State Street Manitowoc, WI 54220 920.682.0118
1122 South 8th Street Manitowoc, WI 54220 920.682.1568
1124 Main Street Kellnersville, WI 54215 920.732.3535
©2009 F.A.C. Marketing
• Personal Medication Counseling • Daily Delivery • Prescription Compounding • Online Refills • Bubble Packaging • Automatic Refills with our SmartFill Program • One Price Plan–Get a Large Supply of Your Medication and Save
50 plus! . January 2012 . 7
Born To Swim continued from page 7
Crossword: 2011 in review 66. Witness 68. Polynesian kingdom 69. Like a new car 70. Employ 71. Homework assignment 72. *Pitched at Occupy Wall Street 73. 6th sense? 74. Reminiscent of the past
All my workouts lead up to competing in a swim meet, so the swim meet is kind of like the icing on the cake,” Schultz said. “That swim meet enables me to feel good about myself, feel proud that at age 60 I am still competing and I am proud that I can keep swimming.”
DOWN
She says she gets inspired by the older women who compete at the national meets. Schultz captured first place in the national swim meet in her age group in 2007. She got first in the 200-yard breaststroke, “and so that was my ultimate goal to do well and get a gold medal in the national YMCA swim meet.” She received a gold medal and a patch. The events she likes to compete in the most are 200-yard breaststroke, 200yard backstroke, and 200-yard individual medley. Schultz has two daughters, Jessica, 33, and Janel, 31. “My two daughters were in the water as soon as their belly button fell off. I had them enjoying the water and to this day, they are swimmers.” And now Schultz is getting her 2-year-old grandson, Milind, introduced to swimming. “I have worked with him in the water and he’s a little fish,” she said proudly. Her mother, at age 87, swims at the Madison East Y and plays water volleyball there using a beach ball. She credits her mom with introducing her to swimming and taking her to practices and meets. Besides swimming, Schultz trains for running races and competes in some, along with her husband. They are a very active couple. They love to mountain bike, crosscountry ski and snowshoe. They also enjoy tent camping and hiking in the mountains.
ACROSS
1. Presumptuously daring 6. He has final say at the plate 9. Where to get pampered, pl. 13. Scoundrel 14. Needlefish 15. Diver’s lung 16. Independent African ruler 17. Big Island necklace 18. Type of paint 19. *Deposed despot 21. *Atlantis was the last one 23. Right-angle building extension 24. Another spelling for #16 Across 25. ___ Bon Jovi 28. Like Jekyll and Hyde’s personality 30. *Arab ______
35. Stratfor-upon-____, Shakespeare’s birthplace 37. “The Man Who ____ Too Much” 39. Become established 40. Holy Father 41. It cuts edge of yard 43. ____ Verde National Park 44. A rooster to farmers? 46. Ready and eager 47. Eurasian duck 48. Scandinavian, e.g. 50. It can be wringed? 52. Greed or sloth, e.g. 53. Diamonds or hearts, e.g. 55. Nervous twitching 57. *They were super 61. *Royal beau 65. Autumn color crossword solution on page 11
1. Big talk 2. “Rome” in Italy 3. Matured, as in wine 4. Like Elvis’s famous shoes 5. Official messenger of news 6. Tangerine/grapefruit hybrid 7. Legendary West 8. Rainbow-producing device 9. Jazz singing 10. Stroke on a green 11. Cain’s unfortunate brother 12. Original home of the Saxons 15. Eats noisily 20. Stroke of luck 22. Her counterpart 24. Graceful or refined 25. *Site of nuclear disaster 26. Convex molding 27. With no face value 29. *Retired from “60 Minutes” 31. Roentgen Equivalent Man, pl. 32. Particulars 33. One born to Japanese immigrants 34. Chewed on 36. Smart but awkward 38. “The Way We ____” 42. Straight muscles 45. It loves company 49. Mixed breed puppy 51. Out of ______ 54. October’s “Time,” e.g. 56. Bring to an end 57. Well-mannered Emily 58. Heart feeling 59. Body part that can double 60. Superman’s last name 61. “Read’em and ____” 62. In or of the present month 63. Petri dish gel 64. ____ Clinic 67. Female suffix
For locally owned hospice care, ask specifically for HomeCare Health Services.
“A special kind of caring” RN’s • Therapists • Bath Service • Companions Hospice • Housekeepers • Money Minders WI-5001433655
Lynn Seidl-Babcock, RN/BSN Owner/Administrator
8 . January 2012 . 50 plus!
1004 Washington Street • Manitowoc
684-7155 www.homecarehealth.org
financial Column:
Steve Ford is an insurance and financial professional with State Farm. He can be reached at (920) 682-2997 or steve@stevefordagency. com.
Investor What Kind of
If you are investing money or planning to do so, there is one very important question you should ask yourself: What kind of investor am I? Knowing if you are an aggressive or conservative investor is the first step to knowing how you should invest your money.
First, you need to determine your risk tolerance level. Risk is the amount of volatility and uncertainty you’re willing to accept from an investment in seeking your financial goals, like planning for retirement or a college education. Some investments carry a higher level of risk than others. Generally, the higher the risk of an investment, the greater its potential returns. However, there is also a greater potential to lose your initial investment. The lower the risk, the less likely it is for that investment to generate a higher rate of return. When you invest your assets in financial products that assume little or no risk, your money may not have the opportunity to grow as fast as you would like. To help determine your risk level, ask yourself: How comfortable will I be watching my investment go up and down in value? The more comfortable you are with price volatility, the greater the risk you are probably willing to assume.
Provides
are You?
Consider Time
The next step in the process of determining your profile as an investor is to identify your time horizon, the amount of time between now and when you hope to reach your stated goal. Generally, the more time you have the more risk you can afford to assume. The reasoning is: the longer your time horizon, the more time you have to ride out the market’s ups and downs in pursuit of your financial goals. Knowing what level of risk you are comfortable with can help you determine whether you are a conservative investor, an aggressive investor or somewhere in-between. This is an important first step because then you can focus on investments that provide you with the levels of risks and potential returns with which you are comfortable. To find out more about the type of investor you are or the different types of investments that are available, contact a financial services professional. There is no assurance that any investment will achieve its investment objectives. Investment return and principal value will fluctuate and the investment, when redeemed, may be worth more or less than its original cost.
Stroke Recovery Choosing the right rehabilitation program is an important part of recovery . . . Your personal health care team will work with you to meet your rehabilitation goals, while taking into consideration the type and severity of your stroke and other conditions that may affect your recovery. Utilizing the following therapeutic services will improve your recovery.
• Exercises • Electrical Stimulation • Ultrasound • Electromagnetic Energy With these services combined, you will improve your strength and movement, while decreasing your pain and joint stiffness.
By working together, we can help improve your recovery from stroke.
Caring Above and Beyond (920) 683-4100 � 2021 South Alverno Road, Manitowoc, WI
Thinking Cremation? Please call to arrange a tour of our award winning cremation center, Manitowoc County’s newest and largest facility. All-Care offers a wide range of cremation options as well as a reception center for family gatherings.
All-Care Cremation Center 928 South 14th Street Manitowoc www.allcarecremationcenter.com
Manitowoc
Welcome to
684-4642
The Assisted Living Communities by Hillcrest are the new heartbeat of community based care, and that heartbeat is focused on assisting our elders in maintaining the highest level of functioning capabilities. Our communities consist of rooms for Special Care Alzheimer’s/Dementia, as well as Assisted Living Apartments.
Valders
775-4433
Your locally owned Funeral Homes
Call Amy to schedule a tour (920) 850-5235
www.brillion-west-haven.com 220 Achievement Drive, Brillion Allouez • De Pere • Green Bay
Two Rivers
793-1396
Advanced Planning Makes Sense
Brillion West Haven
WI-5001433811
WI-5001433784
All-Care Cremation Center John Bodwin
Licensed Pre-Need Counselor
Meaningful
Appropriate
Affordable
WI-5001433780
50 plus! . January 2012 . 9
health Column:
‘12 Days’ of the New Year
As this year draws to a close and we have a fresh start to the New Year, what will you do differently? Do you have goals set for the new year? If not, now is a great time to plan to get motivated and stop procrastinating. The hardest part of a goal is to stick with it. Here are 12 tips on how you can stay motivated and productive in the New Year. “On the first day of the new year, Dr. Stacey said to me, stop the monotonieeeeeeeeee.” — When we do the same task over and over we become bored. Don’t be afraid to make a daunting task a bit more fun next year. If we view activities differently, we can add fun to almost any task. Ask yourself, how can I enjoy this task? “On the second day of the new year, Dr. Stacey said to me, get back to reality.” — Sometimes we have unrealistic expectations about our time. When we get bogged down with too much to do, our motivation starts to plummet. Make sure you are taking some
breaks and not overwhelming yourself.
“On the third day of the new year, Dr. Stacey said to me, stop to smell the poinsettia.” — As much as we believe we are good at multitasking, we really are not. When we try to multitask we are actually splitting our efficiency in half. Doing one task at a time and being mindful of what you are doing will increase your ability to be more productive and motivated.
“On the fourth day of the new year, Dr. Stacey said to me, Why? Why? Why?” — We rarely stop and think about why we are doing a certain task. Taking time to explore the good and bad reasons behind what we are doing can help us frame our goals in a positive manner. Am I getting a reward? Is there personal gain? Will I feel accomplished? These are all good questions to ponder and the positive answers will increase your motivation. “On the fifth day of the new year, Dr. Stacey said to me, if it’s not working, fix it.” — Have you ever continued to do something a certain way, even though you knew it could be done better. When something doesn’t feel right, fix it! Change can increase new possibilities. Don’t let one barrier get in your way; find a new path
2 Great Locations Now For Comfortable Senior Living “We Care About Our Residents” • Spacious one-bedroom apartments
Stacey Soeldner, is a clinical psychologist and life coach at Riverhill Psychological Associates, S.C., Manitowoc.
TAKING Age 50 & Up
“On the sixth day of the new year, Dr. Stacey said to me, look behind you — How far have you gone? Do ever notice that you only give yourself credit when you have met your final goal. If you really want to stay motivated, make sure you are assessing your progress. Each step toward your goal is closer than when you started. Take time to reflect on how far you have come. “On the seventh day of the new year, Dr. Stacey said to me, challenge yourself.” — Some times it is fun to set an easy goal in order to be able to accomplish it. However, that does not make for a very good motivation strategy. Make sure to set some challenges for yourself. This will help you push yourself. “On the eighth day of the new year, Dr. Stacey said to me, mix it up! — Bounce between activities that are fun and ones that are daunting; don’t stay fixated on having to finish one task. If one task is beginning to bore or frustrate you, then change tasks for a while. Continuing to do the same boring task will decrease your motivation.
Do you have swelling that won't go away? Please join us for an information session about Lymphedema at Northland Lodge. Tuesday, January 31st 2 PM
• Utilities included • On-site Resident Managers for your convenience & security
Please RSVP to 920-794-6922
Village Green West WI-5001433793
2602 Forest Ave., Two Rivers • 794.8713
Village Green East
2401 Polk St., Two Rivers • 794.7961
10 . January 2012 . 50 plus!
Apartments available both locations
Northland Lodge 2500 Garfield St., Two Rivers www.northlandlodgewi.com
WI-5001433799
Subsidized apartments for the elderly
Affordable Finance continued from page 3
“On the ninth day of the new year, Dr. Stacey said to me, failure is not an option.” — At times you may backslide and that is okay. Don’t consider that failure. Consider it motivation to get back on your plan. Setbacks are not failures. They are only failures if you refuse to get up and keep moving forward. “On the 10th day of the new year, Dr. Stacey said to me, avoid fun suckers.” — You know these people. They are naysayers and their negativity sucks the fun and ambition right out of you. Surround yourself with positive people who are going to cheer you. “On the 11th day of the new year, Dr. Stacey said to me, say ‘No, no no.’” — One of the smallest words in the English language, but it is very difficult to say. Getting too involved with other people’s goals forces you to put yours on the back burner. Learning to say no will help you set boundaries with others to keep moving toward your goals. “On the 12th day of the new year, Dr. Stacey said to me, go celebrate!” — No matter what the accomplishment is, celebrate it. When we reward ourselves along the way our motivation and productivity will skyrocket. Make a list of ways you celebrate the stops on the way to your goal. Merry Christmas and a happy, productive New Year!
partnership program between AARP and the financial services firm Charles Schwab (www.schwab.com/aarp, 877-3107746). This program provides a complimentary, no obligation financial consultation with a Schwab financial advisor either over the phone or in person at one of their 300 branches nationwide. Another resource that offers free financial advice is Jump-Start Your Retirement Plan Days. This is a completely free public service program provided by the National Association of Personal Financial Advisors (NAPFA) and Kiplinger Personal Finance magazine. On Thursday, Jan. 12, and Tuesday, Jan. 17, you can call toll free 888-919-2345 anytime between 9 a.m. to 6 p.m. eastern standard time, and a NAPFA advisor will be standing by to answer your financial and retirement questions. Or, if you prefer, you can you can participate in an online discussion on these same dates through Kiplinger’s Facebook page at www.facebook.com/ Kiplinger Personal Finance. 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. WI-5001433774
Happy New Year from everyone at
WI-5001433820
We offer:
• Private and Semi-private rooms • Inpatient and Outpatient Physical, Occupational, and Speech Therapy • 24/7 Direct Admissions
• Lymphedema Treatments • Lee Silverman Voice Technique • Vital Stimulation • Interactive Metronome
(920) 684-1144 | 960 S. Rapids Rd., Manitowoc | www.riversbendskillednursing.com 50 plus! . January 2012 . 11
CommunityDedication This year, as Shady Lane, Inc. celebrates sixty years of quality care, we reflect on the dedication of our board, our staff, our donors, our residents and our community – all those we have served through quality, affordable care.
Find out why people...
Think of Us First for comfort of skilled care Designed for living with beautifully decorated and lovely gardens, Shady Lane offers skilled nursing care for short or long-term care, therapy services, social services and hospice care. Medicare and Medicaid Certified.
for planning to get better . . . Recovering after an illness, joint replacement or surgery is a team effort. In fact, it could be called "Team You"! We offer physical, occupational and speech therapy, respiratory services, pain management and neurological, orthopedic and cardiac rehabilitation. Medicare and Medicaid Certified and some private insurances. In-patient or Out-patient Services.
for the joys of home without the work From two bedroom apartments to single bedrooms with private bathrooms, Laurel Grove offers a variety of assisted living options to meet your needs. Enjoy the gardens, optional activities and care-free living. Starting at just $1,300 a month including meals!
Manitowoc’s only not-for-profit citizen directed care facility. 1235 South 24th Street • Manitowoc, WI • www.shadylaneinc.com • 920-682-8254 WI-5001433685
12 . January 2012 . 50 plus!