50 plus! February 2011

50 February 2011 | The magazine for active, mature lifestyles

plus!

Things to do

7

New Retirement Attitude Needed 15 Financial column with greg Anderson

FEATURE STORY:

A passion for coaching 8 Nesper Continues Love for the Game

50 Oral Storytelling Preserves History

Table of Contents . February 2011

plus!

Music is Good for Your Heart 4 Retirement Revised

5

Cruise Lines Preparing A Fleet of New Ships for 2011

6

Things To Do

7

Tired of the Baby Boomers? 12 The Savvy Senior

14

New Retirement Attitude Needed

15

On the Cover:

A passion for coaching

8 Valders High School boys basketball coach Ron Nesper claps from the bench during a recent game at Manitowoc Lutheran. Nesper has been coaching basketball for 37 years, the last nine at the helm of the Vikings’ varsity program. Doug Sundin/50 Plus!

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.

2 . February 2011 . 50 plus!

ADRC: Medicare Options Limited Judy Rank | For 50 plus!

Open enrollment for Medicare Part D and Advantage plans for 2010 ended at midnight Dec. 31, 2010.

That means that individuals may no longer choose different prescription drug coverage for 2011 unless the individual is eligible for extra help from the federal government.

In the past people could make changes in the Advantage plans until the end of March. This is no longer the case.

The only change allowed for people currently enrolled in an Advantage plan is that they can drop the plan and return to regular Medicare coverage, with a supplemental plan as secondary, from now until Feb. 14. Individuals choosing to do this will also need to enroll in a Part D plan for prescription drug coverage, or could choose to enroll in SeniorCare if they are over the age of 65.

It is extremely important for people who are currently enrolled in an Advantage Plan to be certain the plan they have is accepted by their medical provider. Some of the Advantage plans are HMOs — Point of Service Organizations, some are Private Fee for Service plans, and others are Preferred Provider Organizations. If you find yourself in a plan that is not covering your

medical expenses after Feb. 14, you may be forced to change medical providers. The Aging and Disability Resource Center remains available to assist anyone in understanding the coverage provided by their current plan.

State tax return, all W2s and 1099s, Social Security cards for spouse and all dependents and Wisconsin 2010 property tax bill or signed rent certificate and a voided check for direct deposit.

Tax Help

Volunteers and staff of the ADRC will be going to some of the senior housing units in the cities of Manitowoc and Two Rivers as well as some of them in the rural areas to assist with Homestead Credit only. Please watch the newspaper for announcement of the dates and times assistance will be available.

Appointments are appreciated.

Income Tax and Homestead Credit assistance will be available through the Manitowoc and Two Rivers Senior Centers after Feb. 1.

Appointments with the Manitowoc Senior Center can be made by calling (920) 683-4508. For appointments at the Two Rivers Senior Center please call (920) 793-5596.

Lakeshore Technical College will also be offering free tax return preparation through the Volunteer Income Tax Assistance (VITA) program, throxugh April 14. An individual who has an income under $49,000, with all of this income earned in Wisconsin, and is a legal U.S. resident, may be eligible.

Exceptions would be individuals who must file a schedule C, complicated D, or E, file Form 2106, 8606, or 3903 and married filing separately.

Returns will be prepared in Room L104 Mondays from 4 to 6 p.m., Tuesdays/Thursdays 5 to 8 p.m. and Saturdays 9:30 a.m. to 1 p.m.

Please call LTC at 888-468-6582 for an appointment. Individuals should bring a copy of 2009 Federal and

Direct Deposit Americans who enroll in Social Security on or after March 1, for benefits payments, will receive them by direct deposit. A checking or savings account is required for direct deposit. If bank account information is not provided at the time of enrollment, individuals will be enrolled in the government’s Direct Express Debit MasterCard program.

Monthly benefits will be deposited directly onto this debit card, which can be used to make purchases, pay bills or get cash. Beneficiaries currently receiving checks will need to switch to direct deposit or the debit card by March 1, 2013. Individuals currently receiving paper checks should take the next two years to look into what payment would best meet their needs.

The U.S. Treasury expects that direct deposit and the debit card will save taxpayers about $400 million in processing, postage, and paper costs in the first five years.

Judy Rank is executive director of the Manitowoc County Aging and Disability Resource Center.

Homestead Credit Help

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MANITOWOC — Staff from the Manitowoc County Aging and Disability Resource Center will be at the following locations during February to assist individuals over the age of 60, or the disabled, in completing applications for Wisconsin Homestead Tax Credit.

Feb. 3 | Two Rivers - 1 to 3:30 p.m.

Village Green West, 2602 Forest Ave,

Feb. 11 | Two Rivers - 1:30 to 3:30 p.m.

Marquette Manor, 18th and Jefferson Sts.

Feb. 4 | Manitowoc - 9 to 11:30 a.m.

Manitou Manor, 1433 N. Sixth St.

Feb. 14 | Kiel - 1:30 to 4:30 p.m.

Kiel Community Center, 510 Third St.

Feb. 7 | Two Rivers - 1:30 to 3:30 p.m.

Village Green East, 2401 Polk St.

Feb. 16 | Two Rivers - 9:30 to 11:30 a.m.

River House Apartments, 1523 16th St.

Feb. 8 | Reedsville - 1:30 to 3:30 p.m.

Reedsville Manor, 431 Madison St.

Feb. 17 | St. Nazianz - 1:30 to 4 p.m.

Scenic Villa Apartments, 300 N. Sixth St.

Feb. 9 | Manitowoc - 1:30 to 4 p.m.

Garfield Gardens, 2000 Clark St.

Feb. 21 | Kiel - 1:30 to 4:30 p.m.

Kiel Community Center, 510 N. Third St.

Feb. 10 | Manitowoc - 1 to 4 p.m.

River Hill Apartments, 1500 N. Third St.

Feb. 22 | Manitowoc - 1:30 to 3:30 p.m.

Southbrook Manor, 3400 Yorkshire Lane

Feb. 11 | Mishicot - 10 a.m. to noon Mishicot Vets Club, 314 W. Main St.

Feb. 23 | Cleveland - 2 to 4 p.m.

Linden Street Apartments, 1051 Linden St.

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Watch for our Open House and Seminar Session Mid March

If there are any questions regarding the Homestead Credit, contact the Manitowoc County Aging and Disability Resource Center at (920) 683-4180. The office is located at 4319 Expo Drive, Manitowoc.

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50 plus! . February 2011 . 3

Music is Good for Your Heart Many of us at the 50-plus stage of our lives may remember Dick Clark’s American Bandstand and his Rate-ARecord segment, where two dancers rated new records. Comments were often “it’s got a good beat and I can dance to it.” We know that aerobic exercise, including dancing, is good for your heart and a good beat sure helps.

Now all these years later we are learning that just listening to music you enjoy is also good for your heart.

are hormones that make you feel good.

Think about driving down the road listening to a song that you really enjoy. It lifts your spirits and boosts your energy.

A classical song may do just the opposite by calming or soothing you. Music therapy has been shown to help with depression, pain and communication.

It helps people with cancer, autism and other conditions.

The study showed that likeable music actually caused the blood vessels to dilate and become wider. The participants also watched a humorous video, which did increase blood flow but not as much as music that the participant liked.

One of the ways music works is by lowering the amount of the hormone Cortisol, which becomes elevated during stress. It has also been shown to cause the release of endorphins, which

Recently researchers at the University of Maryland School of Medicine in Baltimore concluded that listening to your favorite music may be good for your heart. According to the study, “When compared to the baseline, the average upper arm blood vessel diameter increased 26 percent after the joyful music phase of the study, while listening to music that caused anxiety narrowed blood vessels by 6 percent.”

As we all grow older, the elasticity of our blood vessels weakens and the vessels grow narrower. Anything we can do to keep the vessels more open and blood flowing freely is a great thing. So get out your favorite music in the car, at work and at home. Change it up a bit because it’s possible that if you tire of a song it

Vladimir Swerchowsky, MD, is a physician at the Holy Family Memorial Heart and Vascular Center, Manitowoc.

won’t have the same positive effect.

Having been a musician since childhood I can confirm the positive effect of music in my life, and usually on those listening to the music I’ve played. As a cardiologist it’s great to see research that proves music’s effect on the cardiovascular system.

It’s especially exciting to share this news as my wife and I prepare for the second

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Music from the Heart concert at Roncalli High School, which is sponsored by HFM’s Heart and Vascular Center.

Maybe we should change the title to Music for the Heart. Hopefully it will all be music you like that will increase your blood flow.

Visit hfmhealth.org/musicfromtheheart to learn more or call HFM Heart and Vascular Center at (920) 320-3000.

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Retirement Revised

By Laura Vanderkam Judith Van Ginkel is 71 years old and works 50 to 60 hours a week. And yet, “I’m the luckiest person I know,” she says.

Here’s why: Well beyond what many people consider retirement age, Van Ginkel (whose career has mostly been in medical administration) runs Every Child Succeeds, a home visitation program overseen by Cincinnati Children’s Hospital. Over the past decade, the dozens of social workers on her team have checked in on 17,000 atrisk pregnant women and their children, ensuring that these growing families get proper medical care and support. As a result, the infant mortality rate among participant families is well below the national average, despite their poverty rates — an outcome that Van Ginkel finds more exciting than playing golf.

And so, “I’m going to continue doing this as long as I can do it well,” she tells me.

general is a positive development — a recognition that people both need and want to be part of the workforce longer in an era of longer lives, and that seniors with incomes feel more secure and spend more in a way that generally boosts the economy. Though some older workers encounter barriers in the labor market, there is plenty that we, as a society, can do to encourage our most expert workers to continue sharing their gifts with the world in a way that is rewarding for them.

‘A Desire To Stay Engaged’ The notion of a decades-long retirement is relatively recent. When President Franklin Roosevelt introduced Social Security in the 1930s, life expectancy (at birth) was 58 for men and 62 for women.

These low numbers, though, reflected widespread infant mortality that, in an era without adequate antibiotics or vaccines, even a group such as Every Child Succeeds couldn’t have done much about. But still, people who made it to adulthood tended to die earlier, too.

A growing number of older Americans are having similar thoughts. After decades of decline, the labor force participation rate among people older than 65 rose from a low of 10.7 percent in 1987 to more than 17 percent now.

Nearly a third of those ages 65-69 are working or looking for work, up from less than 20 percent in the 1980s, and surveys of Baby Boomers find that many don’t intend to retire immediately either.

These days, more of us make it to 65, and people who turn 65 can quite reasonably expect to live to age 85 or more. One factor contributing to the rise of senior labor force participation is that even with Social Security and significant personal savings, 20 years to 30 years is a long time to go with no new income.

And most people don’t have significant personal savings (or don’t now, given recent stock market losses).

Certainly, not all older workers feel as lucky as Van Ginkel about their situations (nor do some younger workers eyeing these jobs). But while the economic crisis has trapped some people in the workforce, the trend began during good times and in

But that’s not all that’s going on. The notion that work is something you want to stop doing is getting a makeover as well. Baby boomers in particular have “a desire to stay engaged and active in the workforce, and in many cases to try their

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Laura Vanderkam is author of “168 Hours: You Have More Time Than You Think,” and is a member of USA Today’s Board of Contributors.

hands at second careers and new work adventures,” reports Mark Miller, who runs the website Retirement Revised.

Some do this through volunteering, but there are plenty of enjoyable jobs in forprofit enterprises, too.

Of course, just because people need or want to work (or both) doesn’t mean that staying in the labor force is easy.

Surveys of job-seeking seniors have found rampant age discrimination among hiring managers.

But there are ways to help. Andrew Biggs, a former principal deputy commissioner of the Social Security Administration, has floated an intriguing idea of reducing the Social Security tax rate on workers older than 62. “Under current law, older workers receive very little additional benefit if they decide to remain in the workforce and pay additional taxes to Social Security,” says Biggs, who’s now at the American Enterprise Institute, a conservative think tank. Reducing the tax rate would make the system more fair to them. A lower Social Security tax rate would give older workers a little more money in their pockets and would make older workers cheaper to employers. That could counter the age

discrimination such workers are facing.

‘Encore Careers’ More broadly, though, in an era of longer lives, we all need to spend more time pondering what we’d like to do with our years. For her work, Van Ginkel recently won a $100,000 Purpose Prize from Civic Ventures, an organization that encourages older Americans to pursue “encore careers” — work that is meaningful, flexible, serves the greater good and, in many cases, their finances as well.

Veteran business people can advise new entrepreneurs. Former health care administrators can help people with chronic illnesses choose the best care, and former educators can design curricula and coach rookie teachers.

The true sweet spot is when we ask, “What do I love to do so much I’d do it for free?”, and then figure out a way to get paid for it.

That’s what Van Ginkel has done. “I never get up and feel, oh, I have to go to work today,” she says. “I get up wanting to do this.”

50 plus! . February 2011 . 5

Cruise Lines Preparing A Fleet of New Ships for 2011 Disney, Oceania Entries Start Series For some cruise fans, there’s nothing like a new ship, and this year, there will be plenty of new ships from which to choose.

Six major cruise lines that market to North Americans are unveiling new oceangoing vessels this year, including industry giant Carnival and familyfocused Disney Cruise Line (with its first new ship in more than a decade, the Disney Dream).

Ordered several years ago when the economy was booming, the new Class of 2011 includes two first-of-its-kind vessels. In addition to the much-awaited Disney Dream, the first of a new series of ships at the line, the year will see the first ship in a new series for Oceania Cruises.

The four other new ships for 2011 will be sisters to already-existing vessels.

Luxury line Seabourn, for instance, is rolling out its third and final Odyssey Class vessel. Celebrity Cruises is unveiling the fourth in its popular Solstice Class series.

Four major lines that, notably, won’t have a new ship in 2011 are Royal Caribbean, Princess Cruises, Norwegian Cruise

Line and Holland America. Princess and Norwegian each have two ships on order, but they don’t begin arriving until 2013. Neither Royal Caribbean nor Holland America has a single ship on order.

With the peak period for bookings — aka Wave Season — now here, here’s a guide to 2011’s major new vessels.

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50 THINGS TO DO plus!

Feb. 5 | Bruce in the USA, Capitol Civic Centre, Enjoy a recreation of Bruce Springsteen and The E Street Band.

(920) 683-2184.

beverages, Pre-registration appreciated, fee charged, 7-10 p.m.

(920) 793-4007

Feb. 19 | Victorian Tea, Manitowoc County Historical Society, Fresh Kringle, rosettes, lunch, candies, cookies, and children’s activities, 1-3 p.m. (920) 684-4445

Feb. 12 | SweetWater Sea Concerts: The Hollands!

Feb. 9 | Adult Education Series: 620 Park St., Manitowoc, one block The Wonder of It All Winter Tree east of the Rahr-West Art Museum, Feb. 19| The Amadeus Trio, Special Valentine’s show, 7 p.m., Identification, Capitol Civic Centre, Experience Fee charged.

Woodland Dunes. Join Sue one of the most dynamic chamber Crowley to learn tree identification, music groups performing today, Feb. 12 | Classic Chevy Club of noon, free. (920) 793-4007 7:30 p.m. (920) 683-2184 WI Swap Meet, Manitowoc County Expo, Car show Feb. 26 | Take Me Home: The Feb. 12 | Chocolate and and vendors. (920) 683-4378 Candlelight at the Dunes, Music of John Denver, Woodland Dunes. Bring your Capitol Civic Centre, Jim Curry special someone for a stroll along a Feb. 12 | Manitowoc Symphony has created the ultimate tribute Orchestra: Spirit of the North, candlelit winter trail, then snuggle experience! The first full-length by the fire while enjoying live music, Capitol Civic Centre, music by John Denver tribute to headline in Sibelius. (920) 683-2184 chocolate desserts, and delicious Las Vegas, 7:30 p.m.

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50 plus! . February 2011 . 7

A passion for coaching

Valders basketball coach Ron Nesper talks with his team during a recent game. Doug Sundin/50 Plus!

Nesper Continues Love for the Game Tara Meissner 50 Plus! Correspondent

teams in the Valders area.

VALDERS — Ron Nesper — at age 61 — continues to storm the sidelines as the varsity boys basketball coach at Valders High School, a position he has held for the past nine years.

Nesper retired four years ago, after 33 years teaching social studies for the Valders School District. For the past 15 years, he also served as the district’s athletic director.

“He’s a very laid back person; he listens — listens to understand,” former student Lori Scheffler said. “That’s huge when it comes to children, whether it be as a basketball coach, teacher or principal, and he’s done all three.”

Hanging out with high school juniors and seniors, “helps keep me young,” Nesper said. “It keeps me mentally sharp being around people who are younger than me.”

Nesper has had a lifetime immersed in the “basketball culture,” he said.

He played for the Lincoln High School Ships in high school, but took college off from the sport. After college he coached grade-school basketball at what then was St. Paul’s School in Manitowoc. He continued with the grade-school aged kids while his three sons were growing up with programs at St. Mary’s Catholic School in Reedsville and various tournament

The key to his longevity is pure enjoyment of the sport.

“You have to like what you do,” he said.

His first experience as a Valders coach was at the junior varsity basketball level, starting in the late 1970s. He moved up to coaching the varsity level in the late 1980s with a position in Brillion.

Around the time Nesper took on the responsibility as athletic director, he took a break from coaching, because it became too much to juggle, he said.

But you couldn’t keep him off the court for long.

“Basketball itself is a passion,” Nesper said. “Since I can’t play anymore, coaching is the next best thing.

His playing time now is limited to shooting free throws, he added.

While he still works part-time as principal for St. Mary’s/St. Michaels Catholic grade school in Clarks Mills, Nesper’s time is more flexible and includes year-round dedication to basketball.

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The official high school season is midNovember to mid-March, but he can observe and learn in the off season.

There are coach’s clinics in the summer and the boys participate in summer leagues.

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Valders coach Ron Nesper talks with one of his players during a time out. Doug Sundin/50 Plus!

outside the WIAA prescribed coaching schedule, he can watch his team members grow and develop as athletes.

Nesper also watches other teams, whether they be high school opponents, college or pro teams. He watches for moves that might be useful to his team.

The Vikings varsity team is enjoying the satisfaction of another winning season: a tradition in the small community.

“Winning helps,” Nesper said. “It validates what we do in practice.”

According the Nesper, the Vikings remain competitive because if something doesn’t work, they change it. The team has “nice crowds” of fans cheering at the games, he added.

“The boys wear their uniforms proudly,” he said.

Nesper has been coaching for 37 years, which is getting him to the point of

meeting and shaping another generation of kids. “Sometimes the sons of former players make the team, which helps me relate to them,” he said.

Scheffler now works with Nesper at St. Mary’s/St. Michael’s Catholic School in Clarks Mills, where she serves as administrative assistant.

“He is easy going with an open-door policy. He is extremely approachable,” Scheffler said. “(Coaching basketball) helps him at his age in keeping him young and keeping him going.

The Valders boys basketball coaching staff includes three assistant varsity coaches: Bill Lindholm, who also coaches the boys JV; Eric Otto, who also coaches the boys freshman team; and John Klopotek, who serves as a volunteer assistant coach.

Tara Meissner: (920) 860-6957 or tarameissner@yahoo.com.

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WILD WEATHER ACROSS

Here’s How It Works: Sudoku puzzles are formatted as a 9x9 grid, broken down into nine 3x3 boxes.

To solve a sudoku, the numbers 1 through 9 must fill each row, column and box. Each number can appear only once in each row, column and box. You can figure out the order in which the numbers will appear by using the numeric clues already provided in the boxes. The more numbers you name, the easier it gets to solve the puzzle!

ANSWER:

January F K G V D R A Y S F P J

W F L N E V N B S Y I Y

H P B L I Z Z A R D Q T

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BLIZZARD CHILL COLD

C P C O L L E K S N O W

S H Y S F N E E F I S P

FREEZE FROST ICE

F W I C E A R V R W M L

J N F L P L A Y O F F S

K B W D L O C L S H X Y

O X U D E C P I T D S V

ICICLES NFL PLAYOFFS PLOWS

D K H D J T C M C B N Z

M F M Z N R E T N I W L

Q Z T E C E H G Y I C W

SHOVELING SNOW WINDY WINTER

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Like puzzles? Then you’ll love sudoku. This mind-bending puzzle will have you hooked from the moment you square off, so sharpen your pencil and put your sudoku savvy to the test!

1. Bullying, e.g.

6. Greyhound, e.g.

9. Artist colony in New Mexico 13. *Wind bursts 14. *Wildfire remains 15. Gold 16. Early stages 17. *Where storms can lead to sickness 18. It sweeps a nation?

19. “The Quiet American” author 21. *It leads to #15 Across?

23. July-August zodiac 24. Potato 25. A great distance 28. *Mild fog 30. Soldier’s knapsack 35. Right to another’s property 37. *Mountain cap?

39. Roman Catholic Church’s central administration 40. Largest city of Norway 41. Another spelling for “icon” 43. April 1st victim 44. Branch of this tree represents peace offering 46. Prefix denoting “around” 47. Southwestern flooring 48. Pour out 50. Great Barrier ____ 52. Fleur-de-___ 53. It prevents objective consideration 55. Prune 57. *Type of radar 61. Not dangerous to health 64. Eskimo hut 65. Knot-tying vow 67. Nostrils 69. White, French 70. Roman sun god 71. _____ Maria Remarque 72. E-mail command 73. Right coast time 74. Like many basketball players

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DOWN

1. Gone by 2. A plug in a barrel or flask 3. “Back in the ____,” song 4. It can be stainless 5. An attitude of admiration 6. Headquarters, as in military 7. Employ 8. Half step higher than given note 9. U-____ 10. United ____ Emirates 11. Greek liquor 12. Eurasian duck 15. Of low pH 20. It can be loud or white 22. Black and white sea bird 24. Fire-tenders 25. *Result of Katrina 26. Bridal path 27. Indiana Jones’ Lost Ark, e.g.

29. The sound of Edward Scissorhands?

31. Bunch of hair 32. Cook from above 33. Garlic mayonnaise 34. *They move 45 to 90 knots 36. The brightest star 38. Donned 42. Sister’s daughter 45. All together 49. Neither a win nor a loss 51. *Ominous shape in sky 54. Get up 56. Found on a queen 57. “I call first ____!”

58. Stare amorously 59. “____ of attack” 60. “On Golden ____,” movie 61. *Thunderstorm sight 62. Smile 63. Head holder 66. ___ and don’ts 68. Timid or unsur

laugh out loud Never mind!

You know you’re getting older when:

“Oh God,” sighed the wife one morning, “I’m convinced my mind is almost completely gone!”

4 You turn off the lights for economical reasons, not romantic ones.

Her husband looked up from the newspaper and commented, “I’m not surprised: You’ve been giving me a piece of it every day for 30 years!”

4 The best part of the day is over when the alarm clock rings.

2011

4 Everything hurts and what doesn’t hurt, doesn’t work.

4 After painting the town red, you need to take a long rest before applying a second coat.

4 All the names in your little black book end with MD. 4 The gleam in your eye is from the sun hitting your bifocals.

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4 You have all the answers but nobody is asking you the questions.

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Tired of the Baby Boomers?

By Sharon Jayson USA TODAY Baby Boomers have been in the spotlight for a very long time, but now, as the oldest wave of Boomers approaches 65 and the attention once again focuses on the first “Me Generation,” some in other generations admit it’s a little hard to take.

“Everyone is sort of feeling like, ‘Will these Baby Boomers ever leave?’” says Debra Fiterman, 30, of Minneapolis.

“Boomers have certainly sucked up a lot of cultural oxygen,” says Leonard Steinhorn, 54, a communication professor at American University in Washington and author of “The Greater Generation: In Defense of the Baby Boom Legacy.”

“They are outsized. They changed America in deep and profound ways,” he says. “It’s natural for other generations to think they didn’t get their time in the sun.”

Other generations tend to roll their eyes at some perceived Baby Boomer traits.

Boomers seem to be “always examining themselves and their feelings,” says Stan Broitman of Huntington, N.Y. At 67, he’s a member of the Silent Generation, born about 1925-45. “‘Am I happy?’ People didn’t raise those issues in the previous generation. People were always afraid to raise the issue because if the answer was ‘no,’ what were they going to do about it?”

“But in the Boomer generation, they did do something about it,” Broitman says. “Sometimes it was drugs,” but psychotherapy also became common.

“People began to go for help because ‘I’m not happy,’” he says. “And the divorce rates also went up.”

Fiterman, who studies the Millennial generation (born about 1981-2000), says younger people who work with Boomers find them more hesitant to change and think Boomers seem “very formal and political.”

“They get things done in a work chart,” she says. “It’s difficult for Millennials working with Baby Boomers who are so protective of their knowledge and reluctant to let loose.”

12 . February 2011 . 50 plus!

To encourage better communication between generations at work, leadership consultant Tom Davidson, 54, of Richmond, Va., offers a program, “Boomers, Geeks and Geezers.”

He says people need to realize “it is our early life experiences that shape our values,” which we take into the workplace.

Generations United, a membership organization based in Washington, focuses on intergenerational programs.

“There is some natural tension between generations,” says executive director Donna Butts, 55, a Baby Boomer.

And, she says, there’s “finger pointing about whether they’ve been too self-absorbed to worry about the next generation.”

A Good Influence

David Stillman, co-founder of Minneapolis-based BridgeWorks

But a USA TODAY/ Gallup Poll of 1,011 adults conducted by phone in November finds that most give high marks to the Boomer influence: n 52 percent say Baby Boomers have made things better for the generations that came after them; 39 percent say they’ve made it worse.

57 percent describe Baby Boomers as “giving,” while 37 percent describe them as “selfish.” n

n 54 percent say the better word to describe the generation is “practical,” 41 percent say “idealistic.”

The results point out what Neil Howe, a historian, author and demographer in Great Falls, Va., knows very well.

“Generations have mixed feelings about other generations,” he says. “It’s not just good or bad.”

“I would say that today — in the eyes of many people in their 80s and 90s

Ken Dychtwald, psychologist and gerontologist in Emeryville, Calif.

— looking at the culture wars and the unpleasantness of politics and the polarization and the meanness, they see the Boomer stamp,” says Howe, 59. “They remember exactly what they experienced in the late ’60s with their kids, and now their kids are running the country, and they don’t like it.”

Norma Downey, 83, of West Islip, N.Y., says she and her friends often discuss Baby Boomers, since their children are part of that 77-million-member group. In particular, she says, her book club often turns to a discussion of Boomers after someone has visited with the relatives.

Neil Howe, historian, author and demographer in Great Falls, Va.

says, he saw Boomers get overextended financially. “They’ve gotten into debt, and they haven’t really figured out how they’re going to pay off this debt,” he says. “People just borrowed the max.”

The Work Divide The workplace is often where these differences between four generations are most pronounced, resulting in new companies in the USA that aim to ease the 9-5 generational divide.

“I grew up in the Depression,” she says.

“Baby Boomers grew up in a pretty good society. They had a lot of things.

They all live on the edge. They spend right up to what they make. We always saved some, even if it wasn’t much.”

“I’m hearing from younger workers that Boomers take their jobs too seriously, are too wrapped up in this thing called ‘career’ and have left things kind of a mess,” says Eric Chester, 53, founder of Generation Why, a consulting firm in Lakewood, Colo. “The world is kind of a mess for this new generation to pick up the pieces.”

During his 34 years as a banker, Broitman

David

Stillman,

co-founder

of

Minneapolis-based BridgeWorks, a generational consulting company, says the biggest complaint he hears about Boomers in the workplace is they won’t delegate.

According to Gen Xers and Millennials, “Baby Boomers are not doing as much mentoring as they could or should. Xers are frustrated because they want opportunities to lead,” says Stillman, 41.

But, he says, outside of the workplace, the relationship is quite different.

“I’m hearing from Millennials left and right how much they love, admire and respect their parents,” says Stillman, co-author of “The M-Factor: How the Millennial Generation Is Rocking the Workplace.” “I think a lot of the complaining we are hearing from Millennials about Boomers is when they enter the workforce and these bosses don’t think and act like Mom and Dad do.”

Michael Goergen, 38, of Bethesda, Md., CEO of a professional association and a member of Generation X, says he has a “very, very positive view” of Boomers.

“This is the group that mentored me in a lot of ways,” he says. “I take the very best from what they have to offer and filter out the rest.”

“I hear from a lot of Xers, ‘I want to work hard, but no-way-no-how will I pay the same price for success as Boomers paid,’ ” he says. “These people were run ragged and were trying to keep up an unrealistic pace. It’s not healthy. They don’t seem to have a work-life balance.”

Ken Dychtwald, 60, a psychologist and gerontologist in Emeryville, Calif., says he’s concerned about what may seem like “Boomer bashing.”

“I don’t see a rising up among people against the generation,” he says. “I do believe Boomers are self-centered, but at the same time, they are extraordinarily

Cory Zimmerman, 27, a university admissions officer in St. Louis, says he thinks his parents are lucky to be Baby Boomers.

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But that sentiment isn’t often shared by others in Generation X, says Stillman.

“Xer behaviors at work and in their personal lives is almost a counterreaction to Boomers.

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“I look back at that time and think about it as a cool time to be growing up — the Summer of Love and the great cultural upheaval at that time,” he says.

But, Zimmerman says, “I suppose every generation looks back at the ones before it and puts on the rose-colored glasses.”

Butts cautions against generalizing too much about any generation, Boomers included.

“There are so many differences in this group of people,” she says. “The only thing we have in common is we think we’re fascinating.”

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‘Run Ragged’

50 plus! . February 2011 . 13

Jim Miller

Mobile Safety Solutions For Seniors On The Go

Dear Searching: There are actually several new products on the market that give seniors the flexibility to call for help both inside and outside the home. Here’s what you should know.

For years, emergency help buttons (also known as personal emergency response systems or PERS) like the Philips Lifeline, Life Alert and others have been popular home safety products for elderly seniors. By pushing a button on a pendant, seniors can call a 24-hour help service anytime they need it. But these devices have one major shortcoming.

They only work in and around the house.

If you’re in a distant location and need help, you’re out of luck — until recently.

Today, there are several new products and services that can help seniors no matter where they are.

One such product is MobileHelp (mobilehelpnow.com, 800-800-1710), which provides many of the same features as a traditional home-based emergency help button, but it also has a separate mobile device that can be used to summon help anywhere you go. To call for help, your mom would simply push a button, and a few seconds later an operator from MobileHelp is on the line to assist her. The other great aspect about this device is that it also contains GPS technology that can locate your mom wherever she is, which is critical in emergency situations. The cost for MobileHelp is $40 per month, or $35

14 . February 2011 . 50 plus!

per month if paid a year in advance.

Another more sophisticated option is ActiveCare’s Personal Assistance Link (activecare.com, 877-219-6628), which provides mobile one-button connection to their 24-hour call center to help your mom with a wide variety of needs, like calling for emergency services, notifying family members, coordinating roadside assistance, providing directions and much more. This device also comes with fall detection software that can automatically call for help without pressing the button, GPS locating technology, and it functions like a simplified cell phone so she can make calls. And, if your mom has dementia, the ActiveCare service lets you set up a virtual zone area that notifies you if she wanders outside it. This service starts at $59 a month.

mom doesn’t have a cell phone, consider the AccuTracking (accutracking.com) “starter kit” that comes with a GPS Boost Mobile prepaid phone for $99, plus $16.50 for monthly service fees.

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.

Also worth a look is the new LifeTrac MobileProtector from SecuraTrac (securatrac.com, 888-973-2872) that provides GPS technology, fall detection software, virtual border alerts and can operate as a cell phone. And coming in late 2011, a new device from Lifecomm, which you can preview at lifecomm. com.

ous Spaci om ro 1-Bed ents m Apart ble i a Av la

GPS Cell Phones Another way to help keep your mom safe when she’s out and about is a cell phone with a built-in GPS tracking chip — many of today’s phones have them.

Contact her cell phone provider to find out if her phone has it or if it can be added. With a GPS-enabled cell phone you can install free tracking software on it (at sites like buddyway.com, glympse. com or google.com/latitude) so you can know your mom’s whereabouts via your computer or cell phone. Or, if you’re a Sprint, Verizon Wireless, AT&T or Alltel customer, they all offer family locator services for a small fee. If your

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Dear Savvy Senior: Do you know of any emergency help buttons for seniors (like the Lifeline) that work away from the home? I would like to get one for my 78-year-old mother, but would like to find one that’s not limited to the house. What can you tell me? ~Searching Son

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New Retirement Attitude Needed

The reality in the 21st century is that pulling off this magic trick (retirement) can be full of potholes. But just like a drive down a local street, it can be safely navigated if you map out your route in time.

The biggest problems I see are all the myths that still float around about retirement. If they influences if/when you decide to make this move, it could be a disaster waiting to happen.

What are some of these traps? n It’s all about age 65. For many years this age has been the Holy Grail for folks to change their lives. Yet, so many things can now affect that timeframe (burnout, health,market performance, lifestyle now and after retirement, etc.), that many folks will use an age much younger or much older than 65. n Wait until “normal age” to draw out your Social Security benefits.

In a perfect world we all would love to get fully calculated payouts of this plan to which we have added funds since our first paper route as a teenager, but the key issue is how much of that payout will truly be spendable?

With today’s tax traps still in force (potential 85 percent taxation if a couple exceeds 32,000 of base income) it often can work out in your favor to take the early benefits, cut or avoid the taxation, and get a head start. Plus a loophole (soon to be closed) still gives you a shot to apply for lower/early payouts now, and at “normal” age reapply, repay with no interest all the monies received, and get back to the full benefit later on for your needs.

n I need to embrace fixed-rate investments and avoid the stock market like the plague. Though our stock market is indeed a never ending roller-coaster ride for all of us (working or retired), the view of settling for low (but fixed) yields on all your funds will only put you onto that train where you will likely outlive your money. That is not a ride you want to go on if you can avoid it! The key is the right mix of your monies, both in and outside of your retirement plan accounts, so that you can consistently outpace (in return) what you may need to draw out (in dollars) for spending.

Whether your dream age is to retire in your 50s or you plan for a late retirement in your 70s, the same types of issues and concerns will be on the table to address.

All I encourage readers is to sit with a “team” long before the actual decision

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Some decisions are too

to be rushed.

IIt just makes sense to prepare for the inevitable

n I am not a big-wig so I do not need any formal estate planning. Even though estate and gift tax rules change every year (it seems) there are still basic reasons to review and update your legal plans — wills, trusts, beneficiaries, powers of attorney documents for both financial and health care matters, etc.

And we all still have the chance to make moves now (while we are healthy) to protect our hard-earned assets for the family tomorrow (if our health spirals downward and we go to a home or facility). But many of these now need a three to five-year lead time to pull off successfully. Just sit with someone and do this stuff, as the alternative is that the

to retire is made officially, so that it truly can be an enjoyable and stress-free stage of life you so richly deserve, rather than a survival stage of life just to make ends meet.

while emotions are at rest and heads are clear.

Pre-planning Specialist Mike Jarzin is available to answer your questions and provide the guidance you need to make educated decisions.

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If you had some friends who retired back in the 1990s, or want to follow the footsteps your folks did long ago when they retired, think again.

state rules will mechanically move your assets around without formal documents.

Trust me, the state does now have the same end goals as you might have for your family.

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A great quest, and with proper planning certainly attainable for all. The question is: At what age can dreams become reality?

n I’ll be in a lower tax bracket when I retire. There may have been a tinge of truth to this decades ago, but surely not in today’s complex and illogical tax code. So if you buy into that as a general rule of thumb to help make a decision, you could be in for a surprise. Many times a person could be in just as high — or even a higher — tax bracket at retirement than when they were in the workforce. This needs to be planned so a nasty surprise does not rear its ugly head after you sever your job.

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For many folks their New Years resolution might be to make 2011 the year they finally can enter the retired stage of life.

Greg Anderson is a certified public accountant with Ihlenfeld, Skatrud and Anderson, Manitowoc.

50 plus! . February 2011 . 15

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16 . February 2011 . 50 plus!