NEWS FOR BOOMERS AND BEYOND
FEBRUARY 2015
FREE
Tim Lemke
mentoring The Arc Fond du Lac clients through CEP programs; maintains fleet of agency vehicles
INSIDE: Heart Health • Centenarian Secrets • Homestead Credit • Estate Records • Sky City • Retirement Planning
Exercise tips your heart will By Brandpoint Media
Precautions to minimize risks and prevent adverse reactions.
● If you recently had a heart surgery or procedure, experience chest pain or shortness of breath, recently had a heart attack, or have diabetes you should consult a physician before beginning any exercise regimen. ● If you are on beta blockers, anti-arrhythmic drugs and calcium
2 | EXPERIENCE
Useful tips to keep in mind if you’re already on a work-out schedule:
Good beginner exercises include walking, swimming and light jogging, especially if you have a cardiovascular condition.
channel blockers, you may have a reduced heart rate and may experience lower gains in heart rates when exercising. Medications such as the decongestant pseudoephedrine, anti-depressants, and thyroid medications can increase exercise heart rate. It is important to know the right aerobic heart rate target to prevent overtraining or undertraining your heart if you are on any of these medications. ● If you are a cardiovascular patient, high-intensity exercises such as push-ups, sit-ups and heavy lifting may not be recommended for you, so it’s a good idea to first speak with your physician. ● You may also need to avoid certain everyday activities that can overly affect the heart rate, such as
raking, shoveling and mowing. ● Walking, swimming and light jogging are good beginning exercises if you have a cardiovascular condition.
● Maintain a steady pace and rest between workouts. ● Do not exercise outdoors in extremely humid, hot or cold temperatures. Extreme temps can make breathing difficult and cause chest pain. Try mall-walking instead. ● In cold weather, cover your nose and mouth when exercising outside. ● Stay hydrated by drinking water, even when you’re not feeling thirsty and especially on hot days. ● Avoid overly cold/hot showers or sauna baths after exercise. ● Avoid exercising in hilly areas because it may cause your heart to work too hard. Closely monitor your heart rate with your target rate in mind. ● Stop exercising if you experience pain, dizziness, shortness of breath or excessive fatigue. Consult your physician. ● Stop the activity in the event of a rapid or irregular heartbeat. Check your pulse after 15 minutes of rest and consult your physician if the rate is still higher than 100-120 beats per minute. A regular exercise routine, along with adherence to the medication regimen, can put you on the path toward better health. For more information, visit lab.expressscripts.com.
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regular exercise routine is an important component of heart health, yet less than one-third of Americans get the minimum 30 minutes of daily exercise five days a week, as recommended by the American Heart Association (AHA). Nationally, as many as 250,000 deaths annually are attributable to a lack of regular physical activity. While exercise is important for everyone, regular aerobic activity can be critical to ensuring healthier outcomes for cardiovascular patients. Even a little exercise goes a long way. “Just 5-10 minutes of daily running, even at very slow speeds, can significantly lower the risk of mortality among cardiovascular patients,” says Ed Dannemiller, a specialist pharmacist in the Express Scripts Cardiovascular Therapeutic Resource Center. “Simply getting the recommended minimum amount of exercise can help reduce cardiovascular events such as heart attack and stroke by 30-40 percent.” Ed and his team counsel heart patients about the benefits of regular exercise in addition to following the medication regimen and other lifestyle changes. Regular exercise has many other benefits for your heart as well, including: strengthening the heart muscle, lowering blood pressure and cholesterol levels, gaining better control of one’s blood sugar and maintaining bone strength. Exercise can also help heart patients lose weight and lead more active lives without chest pain.
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www.mwoverheaddoor.com 1.877.948.DOOR • 920.922.9549 ACTION PUBLICATIONS | FEBRUARY 2015
Centenarians reveal their secrets to a long, happy life birthday cake might suggest,” said Rhonda Randall, D.O., chief medical officer of UHC Retiree Solutions. United Healthcare serves more than a quarter of America’s centenarians through its Medicare plans. “By looking at how they are living their daily lives, we can glean important insights about the keys to staying healthy and feeling vibrant as we age.”
Secret 1: Keep up with exerciSe
Despite their age, centenarians stay active: more than half walk or hike and nearly a third do strength-training exercises. Some even run outdoors or play team sports every week (4 percent). Exercise is an important part of boomers’ lifestyle as well. Nearly three-in-four walk or hike each week, 37 percent do strength-training exercises and 13 percent run outdoors or play team sports.
By Brandpoint Media
O
ne hundred years ago, the average American’s life expectancy was between 50 and 60 years, and so the estimated 53,000 centenarians in the United States today have lived much longer than most of their contemporaries. Perhaps that is why a new survey shows that these 100-year-olds feel “blessed” (36 percent), “happy” (31 percent) and “surprised” (12 percent) to have lived so long. Not one reports feeling sad or burdened; only 3 percent say they feel lonely. For the past nine years, United Healthcare has conducted a survey of one-hundred 100-yearolds to gain insight into their lives. For its most recent 100@100 survey, the company also polled 65-year-old baby boomers to examine how the attitudes and lifestyles of people entering their retirement years compare to those who hit that same age 35 years ago. According to the study, one thing both groups agreed on is that they feel younger than their years. On average, the centenarians surveyed said they feel just 83 years old, while 65-year-old baby boomers said they feel 55 years old. “It’s encouraging that older Americans feel more youthful than the number of candles on their
Secret 2: Get preventive care to Stay healthy
Older Americans are taking the saying “an ounce of prevention equals a pound of cure” to heart. Nearly 9 in 10 get an annual exam (87 percent of centenarians and 89 percent of baby boomers) with their primary care physician, and the majority also report getting eye exams regularly (71 percent of centenarians and 76 percent of baby boomers).
Secret 3: Maintain a poSitive attitude
Both centenarians and baby boomers say maintaining their physical health and a positive attitude are equally important to successful aging (66 percent and 81 percent, respectively). In fact, 82 percent of centenarians say laughing/having a sense of humor is important to healthy aging. Perhaps the most important
By looking at how they are living their daily lives, we can glean important insights about the keys to staying healthy and feeling vibrant as we age.” – Rhonda Randall, D.O., UHC Retiree Solutions lesson revealed in the 100@100 survey findings is that living a long, healthy life is about more than just genetics. Daily habits and lifestyle choices can make a difference not only in how long people live but also in how they feel as they age. For more information on how to stay healthy beyond 65, visit nihseniorhealth.gov. For complete 100@100 survey results, visit the news room on UHC.com.
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EXPERIENCE | 3
February Calendar
14 • ON S NAT at H Cent Compiled by the Fond du Lac Area Convention & Visitors Bureau. For detailed information visit www.fdl.com or call (920) 923-3010. Cam stick wint 6 • THE BARLEY JACKS – 7 p.m. at the 7 • MOVIES AT THE MARSH: “HOOTâ€? Monuments Men: Allied Heroes, Nazi Henry S. Reuss Ice Age Visitor ther Thelma Sadoff Center for the Arts, 51 – 6:30 to 8:30 p.m. at Horicon Marsh Thieves and the Greatest Treasure Center, N2875 State Highway 67, hike Sheboygan St. Masters of the fiddle, Education & Visitor Center, N7725 Hunt in History,â€? by Robert Edsel will Campbellsport. Learn how to find by F guitar, bass, drum and vocals who Highway 28, Horicon. Rated PG, 91 be reviewed by Dr. Jon B. Gilliland. stars and constellations with your meld their divergent backgrounds of minutes. Bring a sack lunch, beverages will be naked eye. Observe the winter stars child with members of the Northern Cross blues, bluegrass, classical, Celtic, R & available. Handicap accessible. Science Foundation (only if skies are 15 • B and bebop. Admission charged. 7 • CANDLELIGHT SKI/HIKE – 5:30 to Kiek 11 • LANDSCAPING FOR WILDLIFE – clear). For ages 12 and older. 8:30 p.m. at Kettle Moraine State Pkw 7 • FOND DU LAC BREW FEST – 5 to 9 Forest - Northern Unit, N1765 County 7 p.m. at Moraine Park Technical for a 14 • LOVE IS IN THE AIR – 10 to 11 College, 235 N. National Ave. As p.m. at the FDL County Fairgrounds Trunk G, Campbellsport. Crossthe h a.m., Horicon Marsh Education & property manager/steward at Expo Center, 601 Martin Ave. Over country ski or hike by candlelight. Visitor Center, N7725 Highway 28, limit Mosquito Hill Nature Center, Steve 100 microbrews from across the globe No steep hills or sharp turns. Enjoy rese Horicon. Free snowshoe/hike. All Petznick presents the use of native hot drinks and snacks at the bonfire. and home brews for sampling. Local Regi ages are invited. vegetation to deal with invasive and food vendors and live entertainment. The Zillmer shelter building and snow trails are located off County Road SS aggressive native plants. From trees Home brews will be featured as well 14 • MEET YOUR LOCAL FARMER to shrubs to vines and ground cover, as wines from around Wisconsin. between Hwy 67 and County Road G 18 • – 10 a.m. to 2 p.m. at Vines and he will provide options as well as near New Prospect. Admission charged. Rushes Winery, 410 County Trunk WOR practical installation tips. 10 • BOOKS BETWEEN BITES – 12:10 to E, Ripon. Meet farmers producing and 7, 14 • INDOOR FARMERS MARKET – 9 Wisc 12 • AN EVENING WITH NATURE 12:50 p.m. at Salem United Methodist artisanal, sustainably-produced a.m. to 12:30 p.m. at 90 S. Main St. dest WINTER STARS – 7 to 8:30 p.m. at local products. Variety of vendors and wares for sale. Church, 120 Sheboygan St. “The
Fond du Lac County Senior Dining Menu FEBRUARY 2 Chicken Marsala, Baked Potato, Spinach Salad with Hot Bacon Dressing, Pear Slices, Fudge Brownie *, Sliced Bread FEBRUARY 3 Escalloped Potatoes and Ham Casserole, Baby Carrots, Oatmeal Raisin, Cookie, Applesauce *, Onion Rye Roll FEBRUARY 4 Chopped Steak in Burg/Mush Sauce, Mashed Potatoes, Corn, Fruit Gelatin, Ice Cream Cup *, Sliced Bread FEBRUARY 5 Hawaiian Meatballs, Baby Red Potatoes, Summer Blend Veg., Birthday Cake, Plum Halves *, Dinner Roll FEBRUARY 6 Roast Turkey, Mashed Potatoes, Green Beans, Petite Banana, Cinnamon Roll *, Sliced Bread FEBRUARY 9 Pepper Steak, Au Gratin Potatoes, Peas and Carrots, Choc. Rasp. Torte, Applesauce *, Sliced Bread
FEBRUARY 10 Baked Chicken, Twice Bk Style Pot., Three Bean Salad, Peach Slices, Vanilla Pudding*, Dinner Roll FEBRUARY 11 Cranberry Glazed, Pork Cutlet, Baked Potato, Baby Carrots, Applesauce Cake, Fruit Cocktail *, Sliced Bread FEBRUARY 12 Liver and Onions, Sour Cream and Chive Potatoes, Winter Blend Veg., Apricot Halves, Cookie *, Dinner Roll FEBRUARY 13 Roast Pork Loin, Mashed Potatoes, Red Cabbage, Sweetheart Cake, Honeydew Melon*, Sliced Bread FEBRUARY 16 Salisbury Steak, Mashed Potatoes, Corn, Fruited Gelatin, Choc. Pudding *, Sliced Bread FEBRUARY 17 Baked Spaghetti, Mixed Italian Salad, Pear Slices, Frosted Cake*, French Bread FEBRUARY 18 Salmon Loaf, Baked Potato, Green Beans, Choc. Rasp. Torte, Apple Slices *, Sliced Bread
FEBRUARY 19 Glazed Ham, Sweet Potato Bake, Broccoli Cuts, Pineapple Tidbits, Rasp. Sherbet*, Dinner Roll FEBRUARY 20 Crispy Fish Fillet, German Pot. Salad, Peas and Carrots, Sugar Cookie, Fruit Cocktail *, Sliced Bread FEBRUARY 23 Chicken Breast, Mashed Potatoes, Calif. Blend Veg., ButterďŹ nger Torte, Applesauce*, Sliced Bread FEBRUARY 24 Meatloaf, Baked Potato, Wax Beans, Cantaloupe Slice, Cookie *, Dinner Roll FEBRUARY 25 Baked Chicken, Twice Bk Style Pot., Pickled Beet Salad, Tapioca Pudding, Seedless Grapes *, Sliced Bread FEBRUARY 26 Meatballs in Honey Mustard Sauce, Baby Red Potatoes, Carrots, Poppy Seed Torte, Peach Slices*, Dinner Roll FEBRUARY 27 Macaroni and Cheese Cassole, Tossed Salad, Green Beans, Mand. Orange Gel., Frosted Cake*
WI-5001860596
Meal Sites: FOND DU LAC – Riverview Apartments, 101 Western Ave., Mon-Fri 11:45am; Westnor Apartments, 653 W Arndt St. noon; Portland Square Apartments, 55 N. Portland, 11:45am; Senior Center, 151 E. First St. Mon-Thurs 11:45am; NORTH FOND DU LAC – Northgate, 350 Winnebago St., noon; RIPON – Russell Manor, 504 Russell Dr., 11:45am; Willowbrook Apartments, 615 W. Oshkosh St., noon; WAUPUN – Senior Center, 301 E. Main St., noon. Eligibility & Nutrition: All persons or married to someone 60 years or older are eligible for the Fond du Lac County Elderly Nutrition Program. Each meal contains 1/3 of the current daily Recommended Dietary Allowance (RDA) established by the Food and Nutrition Board of the National Academy of Sciences. Registration: Preregister at least one day in advance by 1pm, by signing up at a meal site or calling Fond du Lac Courthouse, 929-3937; Waupun Senior Center, 324-7930. For cancellations call the Department of Senior Service at 929-3937 before 1pm the business day prior to the meal. Donations: There is a suggested donation of $3 for those 60 years of age or older or married to someone 60+. Mobile Meals donation of $3.50. Volunteers: Volunteers are needed for the Senior Dining Program of the Fond du Lac County Dept. of Senior Services. Call 929-3114 for more information.
4 | EXPERIENCE
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ACTION PUBLICATIONS | FEBRUARY 2015
14 • WHO’S BEEN HERE? TRACKING ON SNOWSHOES: EXPLORING NATURE PROGRAM – 10 to 11:45 a.m. at Henry S. Reuss Ice Age Visitor Center, N2875 State Highway 67, Campbellsport. State Park vehicle sticker required. Identify and track winter animals and snowshoeing. If there is not enough snow, we will hike. To register, call (920) 533-8322 by Feb. 12. For families/groups with children over 8 years old. 15 • SNOWSHOE SUNDAY – 1 p.m. at Kiekhaefer Park, W4235 Kiekhaefer Pkwy. Join Earl and Carol Jewett for a guided winter exploration of the hilly trails at Kiekhaefer Park. A limited number of snowshoes may be reserved, courtesy of Attitude Sports. Register to participate or reserve snowshoes. 18 • SO WHAT’S THE TROUBLE WITH WORMS? – 7 p.m. at Gottfried Prairie and Arboretum, 400 University Dr. Wisconsin’s native earthworms were destroyed during our last ice age, and
the forests of Wisconsin as we know them evolved without earthworms. Learn how with the introduction of nightcrawlers and other earthworms, the disturbed soil is causing a decrease in the diversity of plant and animal relationships. 19 • PURSAPALOOZA 2015 – 5:30 p.m. at Marian University, 45 S. National Ave. Wearable art, hand-made purses and one-of-a-kind jewelry. Live and silent auctions of unusual eclectic and hand-made purses, jewelry and wearable art. Live jazz music. 20 • TOUR THE TOWN ART WALK – 5 to 8 p.m. in downtown Fond du Lac. All manner of artists — from painters, to jewelry makers, to mixed media artists, to cheese artisans, and every medium in between — with their wares for purchase. Visit tourthetownfdl.com. 20 • CANVAS, COLORS & TEXTURES EXHIBIT – 5 to 8 p.m. at Share Fine Art Galleries, 228 S. Military Road.
Gallery hours 1 to 8 p.m. Thursday through Saturday, and 1 to 5 p.m. Sundays. Show will hang through March. 15. Featured painter is Matthew Chapman. 27 SWITCHBACK – 7 p.m. at Thelma Sadoff Center for the Arts, 51 Sheboygan St. Brian FitzGerald and Martin McCormack entertain with their unique Celtic soul blend of mandolin, guitar and bass. 28 • BENEATH THE SNOW – 10 to 11 a.m. at Horicon Marsh Education & Visitor Center, N7725 Highway 28, Horicon. Free morning snowshoe/ hike. All ages are welcome.
That’s why we live and work in your community. When it comes to your financial needs and goals, we believe you deserve face-to-face attention. You talk, we listen, and we get to know you. Mutual Funds Annuities Portfolio and Retirement Plan Reviews Investment Banking Equities Fixed Income Investments Insurance For more information or to schedule a complimentary financial review, call or stop by today.
Pam Tollefson 355 N Peters Suite 100 Fond du Lac, WI 54935 (920) 921-6095
WI-5001861042
FEBRUARY 2015 | ACTION PUBLICATIONS
Steven Millin, AAMS 68 N. Main Street Fond du Lac, WI 54935 (920) 923-0970 800-743-2996
Adam VandeSlunt, AAMS 1005 W. Main St Waupun, WI 53963 (920) 324-2530 888-324-2535
Doug Shireman, AAMS 885 Western Ave. Suite 300B Fond du Lac, WI 54935 (920) 923-4401 888-923-4667
515 N. Park Ave. Thursdays, 7 to 9 p.m. Beginner lessons at 7 p.m., intermediate at 8 p.m. Charge for lessons, styles change monthly, no partner required.
To T learn l more about b t the benefits benefits of power wheelchairs, contact the Independence Store at 262.306.4269. Monday through Thursday from 8 a.m. to 6 p.m., Fridays from 8 a.m. to 5 p.m. or Saturdays from 9 a.m. to 1 p.m.
Jeff Wills 928 S. Main St Suite 600 Fond Du Lac, WI 54935 (920) 923-1020 WI-5001867728
Dan Sprader, AAMS 976 E. Johnson St. Suite 700 Fond du Lac, WI 54935 (920) 923-3934 877-923-3934
Eagles Club
Live more comfortably and regain your independence with the use of a power wheelchair. At the Independence Store we are dedicated to helping improve the lives of our customers by offering home medical equipment that helps support activities of daily living. A power wheelchair can help those facing mobility issues “hit the road.”
Anyone can provide advice. At Edward Jones, our goal is to provide advice and guidance tailored to your needs.
Ben Baertschy 928 S. Main Street Suite 600 Fond du Lac, WI 54935 (920) 923-1020
151 E. First St. Mondays, 7 to 9 p.m.
Independe Independence for all ages
Why Go Anywhere Else?
Joe Heeringa 14 W. Main Street Waupun, WI 53963 (920) 324-2188
Fond du Lac Senior Center
28 • CELEBRATE COMMUNITY – 11 a.m. to 4:30 p.m. at FDL County Fairgrounds Recreation Building, 541 Martin Ave. Multicultural event featuring family fun, entertainment, ethnic food, and information booths from over 30 countries. Crafts, music, dance presentations, children’s activity area. Admission charged.
www.edwardjones.com
Rich Matravers 404 E. Main Street Waupun, WI 53963 (920) 324-9002 800-441-6143
Dance Lessons
5595 County Road Z West Bend, WI 53095 t: 262.306.4269 f: 262.306.4576 tf: 1.800.317.8899 theindependencestore.org
EXPERIENCE | 5
Tim Lemke: Arc staff, clients like family
in Community Enrichment Program plus m
Story by Lois A. Pflum | Page 6/cover photos by Doug Raflik/Action Reporter Media
F
ABOVE/BELOW: Tim Lemke performs maintenance checks on fleet of Arc Fond du Lac vehicles.
6 | EXPERIENCE
ond du Lac native, Tim Lemke, 56, compares spending time with The Arc Fond du Lac staff and clients almost like spending time with family. The Arc Fond du Lac is located on North Park Avenue near Lakeside Park. It is a non-profit agency that provides care and advocacy to Fond du Lac area adults and youth with disabilities, in the Fond du Lac area. He explained, “We’re a close-knit group — really a tight-knit bunch,” as he describes the mutual rapport and comfort he feels with his co-workers and others when he is at work. Tim graduated from Goodrich High School in 1977 and attended Moraine Park Technical Institute (MPTI), now known as Moraine Park Technical College (MPTC), where he took accounting classes. He then worked as a manager for the Erickson gas station, located on North Main and Cotton Streets for about eight years. He noted, “It’s still there.” Married to Mona in 1985, they are parents to Heather and T.J., and grandparents to Rhylee and Brooklyn. They share their home with a trio of friendly golden retrievers who go by “Bear,” “Cheeta” and “Daphy.” Tim began working in the transportation department at The Arc in October of 2013 and has proved to be a very good fit, both for him and The Arc. He noted that his wife, Mona, who already had been employed by The Arc as a caretaker at their adult homes for some time, had mentioned to Tim that there was a work position open. He had already been working part-time in the
food service industry at Marian University, for about six years. He applied at The Arc and was hired. When asked what his job title is at The Arc, he quickly replied, “van driver,” then added “maintenance man,” and jokingly added, “whatever.” When asked if he considers himself an allaround handy man, he again jokingly replied, “yah, I do whatever they ask me to.” He added, “I also work in the Community Enrichment Program (C.E.P.).” He explained, “We help clients integrate into society.” Tim continued to explain different segments of the program. “Our clients range in age from 18 years and up. Probably our youngest client at this time is age 20 — and the oldest in the program is age 82. We teach them how to cook, including nutrition classes and healthy eating. We play bingo, go bowling, play bocce ball (in the summer), and teach them computer skills in our computer clubs. We even have a fitness club.” Lemke was asked what his favorite part of his work-week is. He answered quickly, “Probably the C.E.P.” He reiterated, “We’re really close and there is always a lot of ribbing going on, especially during the football season when the Packers play. At the time of this interview, the Packers are getting ready for the playoffs and there is a lot of hype at The Arc.” It’s obvious that Tim is well-respected and appreciated by the staff. Even though he was hired as a van driver and maintenance man, he has a lot energy to share and enjoys all the other
FEBRUARY 2015 | ACT
y to ‘jack-of-all-trades’ who mentors maintains fleet of agency vehicles demands of his job. When it comes to maintenance, Lemke services and maintains 27 vehicles for The Arc and keeps them in tip-top running condition for the drivers who transport clients to-and-from work and job sites. He performs brake repairs, routine maintenance, checks the oil, transmission fluid, antifreeze and windshield wipers. He puts air in the tires, jump-starts vehicles if necessary, and repairs any other electrical problems that the vehicles may have. Not a small feat by any means. Tim joked, “Most of the time the cars do start.” He considers it all just a part of his job. With a very large key ring, Lemke holds a set of keys to each of the 27 vehicles, and can easily identify and account for each vehicle. There is a two-stall
garage on The Arc premises — and that helps on cold days. During winter, he makes sure the vehicles are filled up with gas and are cleared of snow — ready to go when needed. All this can be a full-time job in itself, not to mention Lemke’s involvement in the C.E.P. But you’ll never hear Tim complaining. Even though Tim usually puts in a 40-hour work week, he is also oncall and can be reached via cell phone in any emergency. Lemke’s favorite pastime includes “usually messing around on a computer, or taking my kids and grandkids on short trips.” Both are relaxing to him. When asked what a future goal of his might be, he replies, “to own my own computer business someday when I retire.”
2015 Transportation Services
David Boelter, executive director of The Arc Fond du Lac, right, presents Tim Lemke with a certificate of appreciation. Lemke is responsible for the Arc vehicle maintenance and works C.E.P. clients where he facilitates activities such as bowling and computer club. SUBMITTED PHOTO
Fond du Lac County Department of Senior Services Service Type Elderly
Walk-on vans 60+ years of age
Escort
OF FOND DU LAC COUNTY 50 N PORTLAND ST FOND DU LAC, WISCONSIN 54935
(920) 929-3466 www.fdlco.wi.gov/ADRC adrc@fdlco.wi.gov Providing information and assistance to the aging and disabled residents of Fond du Lac County WI-5001867732
TION PUBLICATIONS
Top: Tim Lemke explains to clients and staff how eating healthy has positively affected his life. Bottom: Tim Lemke helps clients Mark and Andrea during a healthy living class. SUBMITTED PHOTOS
Plans for the 2015 Stepping On fall prevention classes are being finalized, watch this spot for future news.
Frail; physician certified
Handi-Van
Wheelchair use or mobility impaired No age restrictions
Priorities
Cost
Medical, Employment, Nutrition Personal Business, Education/Training, Social/Recreation
$2.50 each way $2.50 each way $2.50 each way $2.50 each way
Medical, Therapy, Dental
Within FdL County $2.50 each way Outside FdL County $6.00 each way
No priorities 6:00 a.m. - 5:30 p.m. (Mon-Fri)
Fee $3.00 each way
Senior Service Transportation Service Phone Numbers ELDERLY VAN: 60+ years of age ......................................................... 929-3936 HANDI-VAN: Wheelchair or mobility impaired, no age restriction....... 929-3110 ESCORT: Frail, no age restriction ......................................................... 929-3936 Senior Dining & Mobile Meals (60+ years of age) 929-3937 WI-5001868879
EXPERIENCE | 7
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❚ LIFE ❚ LOVE ❚ LOSS ❚ LEGACY
FUNERAL & ESTATE PLANNING
What does your family need to settle their affairs? By Isabell M. Mueller, attorney
A
fter you pass away, your surviving family members will need to gather up all of your personal and financial records in order to settle your affairs. By keeping good records, you are doing both yourself and your loved ones a favor. Your filing system doesn’t need to be elaborate, just organized. It is not necessary to give these documents to anyone during your lifetime, but your family must be able to locate them easily in the event of your death. The information should also be kept reasonably current. Further, if you maintain important information on your computer, or have social media accounts, leave instructions regarding login and password information. Not having this information can cost your grieving family. In addition to the loss of you, your family may lose out financially if they do not know what assets you had. Millions of dollars go unclaimed every year in bank accounts and insurance policies. Maintaining organized personal and financial information is one of the best gifts you can give your family.
Organized Information Personal and financial records your family will need access to: ● Funeral instructions and prepaid funeral contracts ● Last will and testament ● Revocable/living trust agreements ● Prenuptial/postnuptial agreements ● VA file number, military discharge papers ● Birth certificate and death certificate ● Marriage license or divorce decree ● Medicare card/health insurance card ● Bank statements, checkbooks, check registers, certificates of deposit
Law Offices of ISABELL M. MUELLER Estate Planning
WI-5001861022
8 | EXPERIENCE
Wills and Probate Powers of Attorney Revocable Living Trusts 19 E. 1st Street Fond du Lac WI 54935 (920) 960-9552 www.muellerlawoffices.com
For All Of Your
● Safe deposit rental agreement and keys ● Deeds, mortgages, leases, homeowner’s insurance information ● Stock and bond certificates and account statement ● Pension, IRA, retirement statements ● Life insurance policies or statements ● Last income tax return/current employment information ● Documentation regarding any debts, such as auto loans or credit cards
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Let us H Help l YYou CCreate yyour SStoryy iin SStone! We invite you to explore the possibilities. Serving our families with care, compassion and dignity since 1885.
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651 Fond du Lac Ave. (920) 922-5606 Fond du Lac, WI 54935 Across from Haentze Floral kschumacher@nahsi.com Open Mon. thru Fri. Home visits or appointments welcome. www.rockofages.com • www.fonddulacmemorials.com WI-5001869082
ACTION PUBLICATIONS | FEBRUARY 2015
Fond du Lac Credit Union
Wisconsin Homestead Credit Important steps for
T
he Wisconsin Homestead Credit is a tax benefit for renters and homeowners with low or moderate incomes. It is designed to lessen the impact of rent and property taxes. Property taxes do not need to be paid before filing for Homestead Credit. Qualifying persons can get back some or all of their state taxes withheld during the year. Household income that is reported includes all income for tax purposes plus certain non-taxable income. Non-taxable income includes gross Social Security, SSI, Railroad Retirement, pensions, IRA income and income from investments, etc. You have until April 15, 2019 to file for your 2014 homestead credit, and after April 16, 2015, you can receive credit back to 2011. The maximum amount of Homestead
Credit is $1,160. Expect to wait 6 to 10 weeks for the payment from the time it is submitted. To check up on payments you can visit the department’s website at dor.state.wi.us. Other assistance is available by calling the Madison office at (608) 266-8641. To qualify for Homestead credit you must: ● Be a legal Wisconsin resident for all of 2014 ● Have a household income less than $24,680 ● Be an owner or renter of the homestead during 2014 ● Not be claiming farmland preservation credit for 2014 ● Not be living in a nursing home and receiving medical assistance ● No claim may be filed on behalf of a person after his or her death
Homestead Credit Clinics Free Homestead Tax Clinics for Fond du Lac County residents who are 60 years of age or older The clinics will be presented by Julie Hilbert, benefit specialist for Fond du Lac County. Bring 1099s from Social Security, banks, pensions, and any other statements of income and a copy of your property tax bill or a completed rent certificate. If you are unable to make it to one of the clinics, call (920) 929-3521 to schedule an appointment. ● Feb. 2, 12:30 to 3:30 p.m., Riverview Apartments, 101 Western Ave., Fond du Lac ● Feb. 3, 10 to 11:30 a.m., Grand Court Apartments, 630 W. Arndt St., Fond du Lac ● Feb. 3, 12:30 to 3:30 p.m., Westnor Apartments, 653 W. Arndt St., Fond du Lac ● Feb. 4, 10:30 to 11:30 a.m., Heather Meadows, 235 Winnebago St., North Fond du Lac ● Feb. 4, 12:30 to 1:30 p.m., Northgate Apartments, 350 Winnebago St., North Fond du Lac ● Feb. 5, 9:30 to 11:30 a.m., Waupun Senior Citizens Center, 301 E. Main St., Waupun (Fond du Lac County residents only) ● Feb. 9, from 10:30 to 11:30 a.m., Ripon Senior Center, 100 E. Jackson St., Ripon ● Feb. 10, 1 to 2 p.m., 163 E. Main St., Campbellsport FEBRUARY 2015 | ACTION PUBLICATIONS
y c l e s v r c e r u o i w a e s u r a n m a c w s p v p r g a s p e e r k r l l w r s e o e f health insurance. Even if you are m s majority y s ofathose u enrolling a r like the hin marketplace e m a plans s who t receive t i a subsidy, update your income r s a v e y g e to make sure you get the correct ramount i next e year. i This s is l important y n lbecause y ifeyounget too r much o of i d a subsidy, you’ll have to repay u a g g e v d l when you file your taxes the oit a n y b a n y following year. o a y i m l e f vKNOW i ALL e COSTS c e r l i It’s not just the monthly premium tthat e r p m e e c will cost you. Understand ba policy’s a sout-of-pocket n g ucostsd— e like co-pays, co-insurance, i l a i c e and p s
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If you’re currently cars boatsin the federal great Marketplace and don’t take any trucks ATVs rates action, re-enrolled inapply the campersyou’ll be members same plan you’re in now. Federal motorcycles receive online officials, as well as many analysts, are urging consumers to go back to the exchanges to compare plans and prices. You might discover that you have more — or different — choices than you had a year ago.
deductibles — before you enroll. meet service Theloan health law allows saving out-of-pocket maximum caps of $6,600 specialists youfor an individual friendly policy and $13,200 money for a family policy in 2015, but some of your health care expenses — including out of-network care — might not be included in that cap.
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DON’T GET BILLED TWICE as Insurers have expressed concerns that if a consumer changes plans, problems with the federal website might keep insurers from learning of the change and consumers could get billed for both plans. Keep your proof of payment to answer any billing questions. Further, once you’ve cancelled the old policy, watch your credit card statements or, if the payment was deducted directly from a bank account, watch those charges to make sure you aren’t paying for two policies. And don’t cancel your current insurance until you have confirmation from your new carrier that you’re covered.
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● Find one of the law’s trained navigators or UP TO 60assistors. MONTHS!
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consumer assistance center at (800) 318-2596 for extra help or to find out if you eligible for a subsidy. Folks there can also help you enroll in a health plan or FIND OUT IF YOU QUALIFY FOR FINANCIAL HELP in Medicaid — the federal91 most N. Pioneer Rd. • Fond du Lac • (920) 921-1123 Enter your up-to-date state program for lowincome information on healthcare. www.fdlcu.com income people — if you gov or with your state exchange to *APR is Annual Percentage Rate. Rates are credit based. $5000 minimum purchase or qualify. see if you are entitled to receive a refinance from another lender, 2009 & newer, and closed at the Credit Union.
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EXPERIENCE | 9
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By Julie Hilbert, senior benefit specialist
o o m o t o r c n s e e r t b i l e b m q a t v i r a i j u g y n v a v n e e a e i i t o n i t By Julie A. Hilbert, senior benefit specialist r c n e o o t y d e ary g Agnes m cCarysrecently t s published a very helpful w s g n i r c a t o fipve step r checklist a t one s Kaiser Health News for new and o r enrolled o nindividuals e i looking n n already atdMarketplace insurance. The a u p e s y o relevant portions of the article are y l r c r e n l below and can also be found on a s k a k r e r KaiserHealthNews.org. c t u i l s l e SHOP rJustAROUND abecause c you’re p f enrolled i a x o now i doesn’t m m mean e it’s e t inpa policy the best deal for you next year. d b o n e s t s
Learn how you can help your retirement plan in just 30 minutes By Brandpoint Media
W
hen is the last time you checked in on your retirement plan? A month? A year? Can you even remember? If you can’t, you’re not alone. Many people find the idea of reviewing their retirement plan intimidating, so they put it off. You can’t avoid reviewing your plan forever, though, and there are some real benefits to doing so right now. “Many people put off looking at their retirement plan because they think they don’t have the time or the expertise to do it effectively,” says Sandra Cullen, a Boston-based wealth management advisor with financial services company TIAA-CREF. “But there are some simple ways you can have a real, positive effect on your retirement plan without spending more than half an hour.”
Visualize THe FuTuRe Before you focus on the numbers, start with the dreams. Take 10 minutes to think about what
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n a recent trip to New Mexico, I revisited Acoma Pueblo “Sky City,” a United States national historic landmark located on a mesa 60 miles west of Albuquerque — and a fascinating place to visit! Acoma Pueblo means “People of the White Rock” and Pueblo is Spanish for “village or town.” On top of the mesa is a village of people who have lived there continuously since the 13th century. As you drive towards Acoma, everything is flat and desert, and then from a distance a spectacular rock formation rises 365 feet up out of the desert. It truly took my breath away! I stopped to look at jewelry and pottery being sold by a few native people. A woman began to share the history of Sky City with me. She explained she belonged to the Bear Claw clan and the women own the property and children are named after the mother’s lineage, but men have the leadership of the pueblo. These women owned houses on top of the mesa but did not live there in winter, there is no
Central Plaza in Acoma Pueblo, New Mexico. GETTY IMAGES
electricity, running water or sewage disposal. The three-story apartment-style buildings face south and are made of adobe brick, and ladders are used to enter the buildings with no windows. About 30 people live there permanently. In the 1950s, a road was blasted into the rock face to
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allow for cars to drive up to the mesa. Tourists can take a van ride up to Sky City and enjoy a tour led by an Acoma native. In 2008, The Sky City Cultural Center, which includes the Haak’u Museum, was opened. It is well worth a visit.
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EXPERIENCE | 11
Retirement Plan, from page 10
is right for you? You can contribute $5,500 to your IRA annually, $6,500 if you’re 50 or older. Traditional IRAs are taxed when the money is withdrawn, while Roth donations are not tax deductible when you contribute. And, Roth IRAs have income limitations.
focus on hobbies and family? Statistically, retired households spend about 80 percent of what they did during their working years, but your retirement plans could affect that figure. Determine what retirement looks like for you: � Track your retirement savings. � Determine how much money you may need now to generate an adequate paycheck later. � Determine how long it will take you to reach your goal. You can also adjust the calculator’s retirement date and/or amount until you find the figure that works for you.
TRAdITIoNAl IRA oR RoTh IRA? Consider which IRA is right for you for five minutes. They both have their benefits, but which
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Answers from page 9
INVESTMENT STYlE Analyze your risk tolerance for 10 minutes. Every investor has their own risk tolerance and understanding yours is important when you’re trying to determine what investment plans are right for you. While investing aggressively could lead to higher returns in the long run, some investors don’t want to deal with the ups and downs along the way. On the other hand, a more conservative approach ensures your money will grow; that growth, however, may not keep pace with inflation. Many investors opt for a mix of both, based on risk tolerance and financial needs. By spending just 30 minutes and completing each of these steps, you can have a better understanding of where your retirement plan stands and what you can do to improve it. And this process has probably raised a few questions as well. To get your questions answered and find the information you need, it’s best to meet with a professional financial advisor. Your advisor can help
INCREASE SAVINGS Spend five minutes paying attention to the little things. If you’re not where you need to be in your retirement preparations, consider saving a little more each month. Even the smallest increase can have a big impact when compounded with interest. For example, by adding just $25 more a week to your contribution, you could earn an additional $46,000 in retirement savings over 20 years at 6 percent return.
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