NEWS FOR BOOMERS AND BEYOND
SEPTEMBER 2015
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Keeping Busy Deb and Pete Doll have been involved in many fun projects since their retirements and are happier and busier than ever.
INSIDE: Car Buying Tips • Amalfi Coast • Marital Property • Event Calendar • and more!
Five insider tips to save money when buying a car BRaNdPoINt MEdIa
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s the weather warms, car buying season gets into full swing. Even though interest rates are still at or near record lows, there are additional ways smart buyers are saving even more cash on their next vehicle and staying within their budgets. “Purchasing power is crucial when it comes to buying a vehicle and it’s important to make sure you’re spending within your financial means,” says Joe Pendergast, assistant vice president of Consumer Lending at Navy Federal Credit Union. “Along with conducting research before choosing a make and model, there are steps you can take to ensure you’re getting the best possible deal.” Here are five vehicle purchasing tips from Pendergast:
subtract all anticipated expenses, and make sure there’s money left to not only afford a car payment, but also to contribute to your savings. Adding a car payment to your monthly budget shouldn’t leave you without money remaining for things like groceries or unexpected expenses.
If you’re looking to purchase a vehicle this spring, follow these five steps to ensure you’re buying within your means and getting the best possible deal. By doing your homework and talking with a lender, you’ll save as much as possible.
Step 1: Know what you can afford Your first step when making any large purchase should be to assess your current financial situation. Review your monthly income,
This summer ...
Step 2: review your credit inventory Take a comprehensive look at your current debt. Are you in good-standing on all prior loan commitments and credit cards? If not, it may be difficult to obtain financing at a low interest rate, which will result in a higher monthly payment. So, if you’re behind on other loans, take the steps now to get in good shape to purchase a car. Go back to step 1 if need be. Once you’ve made sure all your debts are in good-standing and that you’re financially able to take on a car payment, you’re ready for the next step. Step 3: checK your credit report and Score Getting a car loan at the best possible rate requires a good credit score. Before applying for an auto loan, it’s best to get a copy of your credit report. Although financial institutions will check your credit when applying for a loan, having your report in advance gives you the chance to correct any discrepancies before applying. This leads to a quicker application process and prevents denial because of a credit
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... hit the road!
JOINT PAIN
The Independence Store home medical equipment August Focus is on our mobility products. Say “Yes!” to festivals, zoo trips, Farmer’s Markets, concerts and more with your new scooter, power wheelchair or walker. Deep discounts available! Contact us today!
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For more information, 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.
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2 | EXPERIENCE
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report error unbeknownst to you.
Get the most car for your money with a payment you can live with
Step 4: Shop around for the beSt rate Rates are low right now - as low as 1.49 percent at Navy Federal Credit Union. Before walking into a dealership, check interest rates at different lenders and read the fine print for any hidden fees. The key to a good auto loan is striking the right balance between the rate and how long to finance the loan. New vehicles will have a lower interest rate, but the monthly payments will be larger. Look for the shortest term you can afford without breaking your budget. Step 5: Get pre-approved Once you’ve shopped around, increase your buying power by visiting your chosen lender and getting a quick, pre-approved loan. A salesperson will be more willing to bargain if how much you’ve been approved for and what are willing to pay has already been determined. Keep your payment threshold in mind and allow your pre-approval to lead discussions at the negotiating table. It will result in purchasing a car at a price that’s right for your budget.
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EXPERIENCE | 3
September Calendar Compiled by the Fond du Lac Area Convention & Visitors Bureau. For detailed information visit fdl.com or call (920) 923-3010. BEGINNER BALLROOM LESSONS – 7 to 8 p.m. Tuesdays and Thursdays at Shut Up and Dance, 17 Forest Ave. No partner or pre-registration needed. Ballroom, Latin, swing and salsa dancing for ages 16 and up. YOGA IN THE VINEYARD – 5:30 to 8 p.m. Wednesday, Sept. 2, at Vines and Rushes Winery, 410 County Highway E, Ripon. The vineyard will partner with Marigold Yoga to host yoga classes in the vineyard every Wednesday through September 30. Free wine tasting will be available following yoga. Please bring your own yoga mat, if you do not have one, bring a towel or blanket. In case of rain, yoga will be held inside. Suggested donation for attendance. FARMER’S MARKET – 11 a.m. to 3 p.m. Wednesdays in the Main St. Plaza; 8 a.m. to noon Saturdays on Main St. between Sheboygan and Western. Local vendors, fresh food, art, music and more. For information, visit downtownfdl.com. MUSIC ON THE PATIO – at Jim and Linda’s Lakeview Supper Club, W3496 Fond du Lac County W, Pipe (Malone). ● Sept. 4 – Tedd Young, 6 to 10 p.m. ● Sept. 5 – Sly Joe & the Smooth Operators, 6 to 10 p.m. ● Sept. 6 – Emily Forst, 5 to 9 p.m. ● Sept. 12 – Mathew Haeffel, 5 to 9 p.m. ● Sept. 19 – Jim Counter, 5 to 9 p.m. ● Sept. 26 – Rings, 5 to 9 p.m. LEGO NIGHT – 4 to 7 p.m. Friday. Sept. 4, at Children’s Museum of Fond du Lac, 75 W. Scott St. Play with the museum’s giant supply of LEGOs, demonstrate creative building and be inspired by a monthly theme and fellow builders. Program is included with general admission. LABOR DAY PARADE – 9:30 a.m. line-up, 11 a.m. step-off Monday, Sept. 7, from Rees and Main Street to Lakeside Park. A picnic on Oven Island runs from noon to 5 p.m. Entertainment will include face painting by Betty Trent from 1 to 3 p.m. and live music. Food and refreshments will be sold with proceeds from the parade and picnic going to local charities and organizations.
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CELEBRATION OF GIVING – 5:30 p.m. Wednesday, Sept. 9, at South Hills Country Club, 1175 Fond du Lac Ave. The Fond du Lac Area Foundation will be holding its annual “Celebration of Giving” dinner by paying tribute to the vision and integrity of its founders and to the extraordinary philanthropic spirit of the people of the Fond du Lac area. GOODRICH CLASS OF 1939 76TH REUNION – 11:30 a.m. Wednesday, Sept. 9 at Gino’s Italian Restaurant, Fond du Lac. For information, call Ethel at 920-922-5140 or Marty at 920-921-6631.
MISS WISCONSIN USA & MISS WISCONSIN TEEN USA PAGEANTS – 8 p.m. Saturday, Sept. 12 and 4 p.m. Sunday, Sept. 13, at the FDL High School Performing Arts Center, 801 Campus Drive. The preliminary event for Miss USA and Miss Teen USA. The contestants will compete in three, equally scored areas of competition Interview, Evening Gown, and Swimwear. The winners will advance to the 2016 Miss Teen USA pageant and the nationally televised 2016 Miss USA pageant on NBC. Tickets will be available for purchase at the door. For information, visit futureproductions.net.
MEET PRODUCER DINNER – 6:30 p.m. Thursday, Sept. 10 at LaClare Farms, W2994 Fond du Lac County HH, Pipe (Malone). Dine at the farm, on a multi-course meal by LaClare’s Chef Jim, made with locally sourced ingredients, paired with a local brewery or winery. Admission charged. For more information, call 920-670-0051.
CELEBRATION OF THE BABY CLYDESDALE WEEK – 1 to 2:30 p.m. Monday, Sept. 14 through Saturday, Sept. 19, at Larson’s Famous Clydesdales, W12654 Reeds Corner Road, Ripon. Celebrate the growth of the newest Baby Clydesdale, born last spring. Close-up view, ranch tour, and grandstand show. Admission charged.
OUTDOOR MANTZ BROTHERS CONCERT – 5 p.m. Saturday, Sept. 12, at Thelma Sadoff Center for the Arts, 51 Sheboygan St. The Mantz Brothers, brothers Jordan and Holdan, grew up in Central Wisconsin like two normal kids. They started out singing together at a very young age and continued throughout high school. After graduating, they formed a band and started performing. They signed on with the AStar Promotions team in 2012, which has proven to be a key factor in successfully launching their music career.
TOUR THE TOWN ART WALK – 5 to 8 p.m. Friday, Sept. 18, at various locations in downtown Fond du Lac. For a map, visit tourthetownfdl.com. FARM FLAVORS DINNER – 5 p.m. Friday, Sept. 18, at Meuer Farm & Corn Maze, N2564 U.S. 151, Chilton. One evening a month, May through September, a chef from a different area restaurant and their staff will be preparing an elegant meal at Meuer Farm. Admission charged.
Fondue Fest 9 to 5 p.m. Saturday, Sept. 12, in the Main Street Plaza, corner of Main and Sheboygan streets. With an annual attendance of more than 20,000 people, Fondue Fest comes in as the largest event in downtown. Three stages with all genres of music, a huge Kids Zone, art and craft vendors, farmer’s market vendors, cheese and chocolate fondue and more add to the excitement of the day.
ACTION PUBLICATIONS | SEPTEMBER 2015
NICCI & NINA – 5 to 8 p.m. Friday, Sept. 18, at Share Fine Art Galleries, 228 S. Military Road. A reception for the art show of Nicci Martin and Nina Schmidt, two local artists. R.S. VINTAGE STEEL STEAM & GAS ENGINE SHOW – 10 to 6 p.m. Saturday, Sept. 19 and Sunday, Sept. 20, at N10895 U.S. 151 Calumetville. View antique farm equipment working on site. Rock crushing, threshing, logsawing, blacksmithing and more. HELICOPTER RIDE WEEKEND – 10 a.m. to 6 p.m. Saturday, Sept. 19 and Sunday, Sept. 20 at Meuer Farm & Corn Maze, N2564 U.S. 151, Chilton. Get an overhead view of the maze along with the beautiful east shore of Lake Winnebago. FOND DU LAC LIONS COMMUNITY MARKET – 8 a.m. to 3 p.m. Sunday, Sept. 20, at FDL County
The Reporter Women's Expo 3 to 7 p.m. Wednesday, Sept. 16, at Thelma Sadoff Center for the Arts, 51 Sheboygan St. A day to browse, shop, chat, learn and network. Cash N Carry items available. A great way to start that holiday shopping early. Wine tasting, live music, demonstrations, sampling and vendor interaction.
Fairgrounds Recreation Building, 541 Martin Ave. Come see vendors wares from all walks of life. Antiques, collectibles, beauty products, crafts, rummage, and more. Vendors welcome. If you want to sell it, become a vendor. LEGENDS & LYRICS WALK – 11 a.m. to 4 p.m. and 5 to 9 p.m. Saturday, Sept. 26, at Rienzi Cemetery & Chapel Mausoleum, N6101 Fond du Lac County K. Browse historic Rienzi Cemetery and allow Fond du Lac’s Community Theater educate you about the athletes and musicians buried here. The group includes an early Green Bay football player and his professional bowler wife, a world renowned author and a famous “Milwaukeean” known www.edwardjones.com
Why Go Anywhere Else? 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.
Lasagna Casserole, Mixed Italian Salad,Watermelon Slice, Rainbow Sherbet *, French Bread SEPTEMBER 2
SEPTEMBER 3
Bratwurst on a Bun, German Pot. Salad, Green Beans, Mandarin Orange Gelatin, Cookie *
SEPTEMBER 4
Baked Chicken, Twice Bk Style Pot., Copper Penny Salad, Ice Cream Cup, Fruit Cocktail *, Sliced Bread
Joe Heeringa 14 W. Main Street Waupun, WI 53963 (920) 324-2188
Ben Baertschy 928 S. Main Street Suite 600 Fond du Lac, WI 54935 (920) 923-1020
Dan Sprader, AAMS 976 E. Johnson St. Suite 700 Fond du Lac, WI 54935 (920) 923-3934 877-923-3934
Pam Tollefson 355 N Peters Suite 100 Fond du Lac, WI 54935 (920) 921-6095
WI-5001926566
SEPTEMBER 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
Jeff Wills 928 S. Main St Suite 600 Fond Du Lac, WI 54935 (920) 923-1020
SEPTEMBER 16
SEPTEMBER 17
SEPTEMBER 8
Crispy Fish Fillet, Au Gratin Potatoes, Peas and Carrots, Watermelon Slice, Frosted Cake *, Onion Rye Roll
Closed Labor Day
Doug Shireman, AAMS 885 Western Ave. Suite 300B Fond du Lac, WI 54935 (920) 923-4401 888-923-4667
SEPTEMBER 15
SEPTEMBER 7
Roast Turkey, Mashed Potatoes, Summer Blend Veg., Cranberry Gelatin, Frosted Cake *, Dinner Roll SEPTEMBER 9
Beef Stroganoff Casserole, Tossed Salad, Cantaloupe Slice, Fudge Brownie *, Sliced Bread SEPTEMBER 10
Rich Matravers 404 E. Main Street Waupun, WI 53963 (920) 324-9002 800-441-6143
SEPTEMBER 14
Beef Stew, Maple Brussel, Sprouts, Applesauce Cake, Honeydew Melon *, Garlic Biscuit
Glazed Ham, Sweet Potato Bake, Health Slaw, Pineapple Tidbits, Rice Pudding *, Sliced Bread
For more information or to schedule a complimentary financial review, call or stop by today.
SEPTEMBER 11
Chicken Marsala, Baked Potato, Carrots, Pear Slices, Cinnamon Roll *, Sliced Bread
Chopped Steak in, Burg/Mush, Sauce, Mashed Potatoes, Creamy Cake Salad, Peach Slices, Cookie *, Sliced Bread Hawaiian Meatballs, Baby Red Potatoes, Baby Carrots, Birthday Cake, Seedless Grapes *, Dinner Roll
Mutual Funds Annuities Portfolio and Retirement Plan Reviews Investment Banking Equities Fixed Income Investments Insurance
25TH ANNUAL CIVIL WAR WEEKEND – Saturday, Sept. 26 and Sunday, Sept. 27 at the Wade House Historic Site, W7965 State 23, Greenbush. Celebrate the Civil War sesquicentennial and our 25th year of commemoration at one of the largest Civil War re-enactments and encampments in the Midwest. See an authentic skirmish and battle each day, visit President Abraham Lincoln, listen to music of the Civil War era and enjoy many other activities. Special pricing includes entire site.
Fond du Lac County Senior Dining Menu SEPTEMBER 1
Anyone can provide advice. At Edward Jones, our goal is to provide advice and guidance tailored to your needs.
for his interesting Wisconsin Avenue business contacts just to name a few. There will also be food available on the grounds. Admission charged.
Mush Pork Cutlet, Mashed Potatoes, Red Cabbage, Coconut Cream Pie, Apple Slices *, Dinner Roll
SEPTEMBER 18
BBQ Meatballs, Baby Red Potatoes, Western Corn, Key Lime Pie, Seedless Grapes *, Sliced Bread SEPTEMBER 21
Pork Jaegerschnitzel, Mashed Potatoes, Pickled Beet Salad, Applesauce Tapioca Pudding *, Sliced Bread
SEPTEMBER 22 Chicken Cacciatore, Baked Potato, Mixed Vegetable, Choc. Rasp. Torte, Plum Halves *, Dinner Roll SEPTEMBER 23
Salisbury Steak, Mashed Potatoes, Swiss Spinach, Fruited Gelatin, Cookie *, Sliced Bread SEPTEMBER 24
Chicken, Broccoli and Rice Casserole, Green Beans, Pineapple Tidbits, Cinnamon Roll *, Dinner Roll SEPTEMBER 25
Country Fried Steak, Mashed Potatoes, Carrots, Egg Custard Pie, Apple Slices *, Sliced Bread SEPTEMBER 28
Chili Casserole, Spinach Salad with Rasp. Vinaigrette, Peach Slices, Vanilla Pudding *, Cornbread SEPTEMBER 29
Baked Chicken, Twice Bk Style Pot., Three Bean Salad, Peanut Butter, Cookie Honeydew Melon * Dinner Roll SEPTEMBER 30
Meatloaf, Sour Cream and Chive Potatoes, Calif. Blend Veg., Pear Slices, Fudge Brownie * Sliced Bread
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.
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FAMILY NIGHT – 4 to 7 p.m. Friday, Sept. 18 at Children’s Museum of Fond du Lac, 75 W. Scott St. A night out with your family with a variety of special activities including board games, pajama parties, and Little Caesar’s Pizza (available for purchase). Event and activities included with general admission.
EXPERIENCE | 5
Deb and Pete Doll are anything but Story by Lois A. Pflum | Cover/centerspread photos by Doug Raflik/Action Reporter Media
J
ust because the Dolls are retired doesn’t mean they sit idle and twiddle their thumbs. Deb and Pete Doll, lifelong residents of Fond du Lac, are anything but that. Both Deb, 63, and Pete 65, have been involved in many fun projects since their retirements and are happier and busier than ever. They were married in 1971 and are parents to Jennifer, Amy and Michael and have six grandchildren from 15 years of age down to 5 years of age.
6 | EXPERIENCE
“They are a very important part of our lives,” said Deb. Pete retired from Mercury in January 2013, where he was employed for many years as a group leader as a heat treater, which is likened to a blacksmith in the industry, he said. When he retired, his goal was to volunteer, which turned out to be a lofty goal he is surely accomplishing. He has been instrumental in creating a bike loop around the city. A biking
enthusiast, Pete noted that the project began as a grassroots effort between him and others interested in biking approximately two years ago. They worked together to build the biking trails in the city and part of the county. “The loop was dedicated last year, with a kickoff at the Y,” said Pete. At the time of this interview, Pete’s biking excursions are limited since his left foot was injured as a result of an unfortunate incident
SEPTEMBER 2015 | AC
Deb and Pete Doll work in their garden.
idle that occurred at this past Walleye Weekend. He is eagerly waiting to get “back to normal” and resume his active endeavors. Pete jokingly refers to himself as “a jack of all trades” and “a master of none.” That means he does small craft projects like building bird houses and bird feeders, woodworking and remodeling. No doubt that skill came from his father, Linus Doll, whom the community may know as a frequent guest columnist for The Reporter.
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Pete has been very involved with Walleye Weekend, along with Deb, and for the last two years has sat on the board of directors for the Volunteer Center. Both he and Deb had volunteered this past winter with the international Snow Sailing competition held on Lake Winnebago. Pete and Deb also volunteered at the Galloway House and Village in the “Ghosts of Galloway” with three of their grandchildren last Halloween. It was so much fun they all are looking forward to doing this again this Halloween, according to Deb. Pete enjoys reading murder stories, mostly fiction, and likes to cook. “He likes to cook and is the cook in the family,” said Deb. Deb retired this past year from the YMCA, where she worked as a receptionist. During her working years, she has worn many different hats, but always worked with the public. She has always been a “people person,” something that comes naturally for her. Since she retired at the Y, you just might find Deb back there, volunteering to make coffee for the coffee-loving members. Just this past summer, Deb filled in as a receptionist/helper at the Fond du Lac Convention Bureau when a staff member was on a medical leave. Deb’s smiling face was a welcome sight when visitors stopped by for information about Fond du Lac. Deb has also volunteered at the “Taste of Fond du Lac” and served as a poll worker during the past two years. Talented as a seamstress, artist and gardener, Deb’s projects run from acrylic paintings on canvas, to stained glass pieces, and then some, demonstrating her love of colors and creativity. Deb hand-painted her kitchen chairs in colorful bright cheery designs. Throughout their home, one will find many delightful other examples of Deb’s creativity. When it comes to gardening, Deb is proud to point to her beautiful flower garden. “I just love the beautiful colors. They are mostly perennials.” The Dolls featured their former home and their current home in the Agnesian’s annual garden walk. This year, Deb served on the garden walk committee. As a talented seamstress, Deb can sew just about anything. Does she have any favorite artistic hobbies? She quickly responded: “They are all wonderful. I like anything artistic.” One of her paintings was displayed at the SHARE Gallery, a recently opened art gallery in Fond du Lac, in the Tour the Town event, held on the third Friday of the month. To say Deb is creative is really an understatement. Highly energized, she is always looking for the next project.
“She is the inspiration, and I’m the perspiration,” joked Pete. Deb replied, “He is my go-to person,” referring to any time she might need a little help with one of her projects. In earlier years, the family did a lot of camping in a pop-up camper, but now they recently bought a trailer and hope to resume one of their favorite activities. The Dolls share their home with “Spud,” a Shih Tzu; a 9-year-old rescue dog; a 14-year-old parrot, “Lily”; and “Buddy,” a 20 year-old cockatiel. “We have six goldfish outside in a pond, they are named after our grandchildren,” added Deb. Not too unusual, as she said she has always had pets.
ABOVE: Pete Doll poses with his bike. BELOW: Deb Doll puts a finishing touch on a project at her house in Fond du Lac.
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5 surprising facts about baby boomers — including one that could save your life BRANDPOINT MEDIA Were you born from 1945 through 1965? If so, you’re part of the unique generation known as the baby boomers. Here are interesting facts about baby boomers in America. One of them could save your life.
1 BABY BOOMERS ARE ONE OF THE LARGEST
GENERATIONS IN U.S. HISTORY The baby boomer generation, made up of a staggering 77 million Americans, is rivaled in size only by millennials - many of whom are the children of boomers. The millennial generation, born from 1980 through 1999, similarly includes approximately 77 million Americans.
2 BABY BOOMERS SUPPORT THEIR CHILDREN
IN AND OUT OF THE NEST More than a third of baby boomers have children younger than 18 living in their homes, and research from the National Endowment for Financial Education shows that 60 percent of boomers also provide some form of financial support to their adult children.
3 BABY BOOMERS ARE LIVING LONGER THAN
PREVIOUS GENERATIONS Compared to previous generations, baby boomers are living longer and they are also more likely to remain independent and stay in their own homes as they age.
4 MANY BABY BOOMERS ARE WORKING LONGER
Boomers plan to continue working once they are eligible for retirement, despite having
the option to stop. In fact, only 11 percent of baby boomers plan to stop working entirely once they reach retirement age, according to a survey by AARP.
5 HEPATITIS C IS A SILENT EPIDEMIC
AMONG BABY BOOMERS People born from 1945 through 1965 are five times more likely to be infected with Hepatitis C and account for more than three out of every four Americans living with the disease. That’s why the Centers for Disease Control and Prevention (CDC) recommend that everyone born from 1945 to 1965 get a blood test for Hepatitis C. Many baby boomers living with Hepatitis C don’t know how or when they got infected. Hepatitis C is a virus that attacks the liver and, if left untreated, can lead to serious liver disease. In fact, Hepatitis C is the leading cause of liver cancer. The CDC estimates that testing everyone born from 1945 to 1965 could identify 800,000 people unaware of their Hepatitis C infection, and over time, could save 120,000 lives. Testing baby boomers for Hepatitis C is important, because people with Hepatitis C often have no symptoms and can live with the disease for decades without feeling sick. All the while, liver damage may be silently occurring. Fortunately, new treatments are available that can cure Hepatitis C. If you were born from 1945 through 1965, talk to your doctor about getting tested for Hepatitis C. It could save your life. To learn more about Hepatitis C, visit cdc.gov/ knowmorehepatitis.
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8 | EXPERIENCE
ACTION PUBLICATIONS | SEPTEMBER 2015
Project HEAT’S ON Free heating system inspections for qualified homeowners
very year, participants donate labor, time, materials and expertise to help those in
need. A national program, started in the mid-1980s to provide free home heating inspections for the elderly homeowners. Plumbers and Steamfitters Local 400 Union journeymen, mechanical contractors, suppliers and other industry partners have collaborated to perform free heating system check-ups and repairs for qualified, income-disadvantaged households. The program is coordinated and administered by the Fox River Valley Local 400 Plumbers & Steamfitters union. Plumbers & Steamfitters Local 400 Union member service technicians donate their time while their employers provide the trucks and service equipment. The union service techs diagnose what needs to be done to keep heating systems functioning through the coming winter and will perform anything from routine maintenance to a furnace or boiler replacement if
necessary. Union members also install free smoke and carbon monoxide (CO) detectors where needed. Supply houses and local merchants typically donate the materials and equipment. On Saturday, Sept. 26, Local 400 Union members and local contractors will once again volunteer to provide free safety inspections and minor repairs of heating systems in the City of Fond du Lac and North Fond du Lac. Additionally, new smoke detectors, batteries for existing, functional smoke detectors and carbon monoxide detectors will be provided to improve homeowners’ safety to those applicants qualified by local government services through Project HEAT’S ON. Fox River Valley Local 400 Plumbers & Steamfitters, along with members of the Mechanical Contractors Association of North Central Wisconsin have participated with local merchants, fire department, wholesale vendors and Fond du Lac County Senior Services.
84 CBRF SUITES RN OR LPN ON-SITE MON. - FRI. ON-CALL EVENINGS AND WEEKENDS PRIVATE BATHS DAILY ACTIVITIES HOME-COOKED MEALS MEDICATION MANAGEMENT LAUNDRY & HOUSEKEEPING EMERGENCY CALL SYSTEM 24-HOUR ON-SITE STAFF WI-5001923363
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FOND DU LAC’S MOST SCENIC SENIOR LIVING CAMPUS
CALL US FOR MORE INFORMATION OR A PERSONAL TOUR
(920) 922-8770
77 Wisconsin American Drive (near the Aurora Clinic)
To obtain an application for eligibility call Julie Hilbert, benefit specialist for Fond du Lac County at 929-3521, or stop at the City/County Building, third floor. ● To qualify for this free service you must be 60 years of age or older and have a current property tax bill that verifies ownership. ● Homeowners must reside in the City of Fond du Lac or in the Village of North Fond du Lac. ● Income guidelines are $1,716 per month for single and $2,323
per month for couple. ● There is a limited number of households that can be serviced. Selection of participants will be based on income, age of heating equipment, and order in which application is received. ● Applications are due to Senior Services by Monday, Sept. 14.
www.woodlandsseniorpark.com
2015 Transportation Services
Fond du Lac County Department of Senior Services Service Type
Program Application
26 ASSISTED LIVING APARTMENTS 1 AND 2 BEDROOMS AVAILABLE WITH FULL-SIZED KITCHENS RN OR LPN ON-SITE MON. - FRI. ON-CALL EVENINGS AND WEEKENDS DAILY ACTIVITIES MEALS, HOUSEKEEPING & LAUNDRY AVAILABLE EMERGENCY CALL SYSTEM MEDICATION MANAGEMENT 24-HOUR ON-SITE STAFF GARAGES AVAILABLE
Elderly
Walk-on vans 60+ years of age
Escort
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
SEPTEMBER 2015 | ACTION PUBLICATIONS
EXPERIENCE | 9
❚❚ LIFELIFE ❚❚ LOVE LOVE ❚❚ LOSS LOSS ❚❚ LEGACY LEGACY
FUNERAL & ESTATE PLANNING
Wisconsin's marital property law ISABELL M. MUELLER, ATTORNEY
W
isconsin’s marital property law became effective on January 1, 1986. The law was enacted to formally recognize that both spouses contribute to a marriage even though only one may earn the income. Under marital property law, whatever the couple acquires during the marriage belongs to them equally, regardless of whose name is on the title. This applies not only to earned income,
For All Of Your
but also unearned income such as interest and dividends on investments. For example, if one spouse has a 401(k), and over time the account’s value grows as a result of additional contributions, as well as interest and dividends generated by the securities held in the account, the other spouse has an equal marital interest in the account even though it is actually titled only in the contributing spouse’s name. It is important to note, however, that marital property law applies to a couple’s debt and liabilities in the same
manner as it does their property. what that spouse does with it. If Marital property law individual PLANNING property is mixed with FUNERAL ESTATE applies to a couple as of their marital property, it will usually “determination date.” The become marital property. For determination date is the earliest example, if one spouse deposits the check he or she received as an of 1) the date of marriage, if both inheritance into the couple’s joint spouses are Wisconsin residents; investment account, those funds 2) the date both spouses become will become marital property. Wisconsin residents after Because Wisconsin’s marital moving here, or 3) January 1, property law controls the 1986, if the couple was married ownership of a couple’s assets, before that date. This does not it affects every element of mean, however, that all property a couple’s finances. This is automatically becomes marital particularly significant in a second property as of the couple’s marriage and blended families, to determination date. Marital understand how the law affects property law presumes that all their situation. The only means by assets are marital property, which a couple can truly change unless it can be documented the effect of the law or “opt-out” that the asset is one spouse’s of the law entirely is a marital “individual” property. Individual property agreement. A marital property is property that property agreement is usually belonged to one spouse before signed before a couple marries, the couple’s determination date, but can also executed after the or property that was gifted to, marriage. For a comprehensive or inherited by, one spouse after evaluation of Wisconsin’s marital the determination date. Whether property law, it is best to obtain or not individual property stays the assistance of legal counsel. individual property depends on
&
Memorial Needs!
FEUCHT
QUALITY FOUNDATIONS BY RON STEFFES
Let us Helpp You Cre Create your Story in Stone! We invite you to explore the possibilities. Serving our families with care, compassion and dignity since 1885.
F I N A N C I A L G R O U P, L . L . C.
920-921-6288
Memorial Counselor
KAREN MARTIN
651 Fond du Lac Ave. (920) 922-5606 Fond du Lac, WI 54935 Across from Haentze Floral karen@milwaukeememorials.com Open Mon. thru Fri. Home visits or appointments welcome. www.rockofages.com • www.fonddulacmemorials.com
N6687 Wrightway Drive, Fond du Lac, WI 54937
Securities and advisory services offered through NATIONAL PLANNING CORPORATION (NPC), Member FINRA/SIPC., a Registered Investment Advisor. Feucht Financial Group, L.L.C. and NPC are separate and unrelated companies
WI-5001927040
S! R O NI LUS E S 5P 5
WI-5001924492
$250 SECURITY DEPOSIT and $100 OFF FIRST 6 MONTHS RENT
Fall Prevention Workshop OF FOND DU LAC COUNTY 50 N PORTLAND ST FOND DU LAC, WISCONSIN 54935
www.fdlco.wi.gov/ADRC (920) 929-3466 Email: ADRC@fdlco.wi.gov
with a one year lease. Managed by Professional Property Management, LLC.
Call 920 929-9270 for more information. 350 Winnebago St., North Fond Du Lac, WI 53095
10 | EXPERIENCE
www.feuchtfinancial.com
Stepping On
Northgate Senior Apartments is your place to call home!
Many amenities and underground heated parking NOW LEASING 1 bedroom apartment $611 and 2 bedroom apartment $714.
◆ Tax, Financial & Retirement Income Planning ◆ Tax Preparation ◆ Bonds, ETF’s, Mutual Funds & Stocks ◆ Separately Managed & Institutional Accounts ◆ Life, Long-term Care Insurance & Annuities ◆ Estate & Trust Planning, Inheritances ◆ 401k Rollovers, IRA’s, Roth IRA’s
WI-5001924530
Tuesday mornings September 15 - October 27 9:00 - 11:00 a.m. At the Rosendale Village Hall All classes are free of charge
Please call the ADRC at 920-929-3466 to register. ACTION PUBLICATIONS | SEPTEMBER 2015
FIVE-STAR GOV’T RATED
G
✔ Private Rooms ✔ Big Screen TVs
✔ Short-Term Rehab ✔ Excellent Food
TELL HOSPITAL DISCHARGE PLANNERS YOU WANT
GRANCARE REHAB
Summer celebration Grancare/GranPark Terrace, 517 E. Division St., recently held their annual All-American Resident/Family Picnic with entertainment by Gary Cross. Pictured are resident Olga Kruck and her niece Penny Lamb. SUBMITTED PHOTO
921-6800
OUTCOME-FOCUSED CARE WITH EMPHASIS ON RETURN TO HOME WI-5001927207
Lincoln House
Answers from page 8
c r e d i t l p d s n o r p c a o c
o c t h w t k r g p a i d i e k f g
m m s e f t a l s v f d e t o v t t r n f e i l m l q e a c m x f e a k
u r o e c a o i c o e i s g z p r e
n v o k e c u d e r j t q n l e i b
i i c s s n o i t u l o s i e r n r
t n a n r p s n o n a p o c m o g l
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EXPERIENCE is published by Gannett Wisconsin Custom Publishing. Contents of the section are for Action Reporter Media. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by means, electronic, mechanical, photocopying, recording or otherwise, without prior consent of Gannett Wisconsin Custom Publishing. For information, contact Karen Befus at 920-426-6701 or kbefus@gannett.com.
SEPTEMBER 2015 | ACTION PUBLICATIONS
i w h s r v w a e c t i o v a s s r
v e e p a r x s o v s r n r g d a a
m k l o a t i o n t o o f e a i n t
t e p u j i k n e a m r r s v p e e
o n f i n t e r e s t e p i w n w s
r o a p u l a o f c k a r l s y t o a p f w f x h e m t n i e m o q b c
The Lincoln House offers affordable housing for older adults who cannot or choose not to live alone. Overlooking beautiful Taylor Park, our home offers all the comforts of home along with the following amenities: • Medication management • Care call system in each bedroom & bathroom • 24-hour supervision • Family-oriented home setting • Caring & trained staff • Home-cooked meals • Community & home activities • And more...
ASSISTED LIVING FOR OLDER ADULTS
LINCOLN HOUSE: 342 Forest Ave. FRANKLIN HOUSE: 349 W. 11th St.
EDITOR / KEVIN ANDERSON ADvERTIsING DIRECTOR / KAREN BEfuS GRAPHIC ARTIsT / JAMES HOSLET
For more information or a tour, call 922-7072 • www.rsifdl.org
WI-5001891444
Serving the people of Fond du Lac since 1971 EXPERIENCE | 11
Serve me lemons please!
I
was smitten, it was romantic to spend a day visiting the towns along the Amalfi Coast on our recent Italy tour. I felt myself sliding into breathless beauty as I walked the narrow streets of the town of Amalfi on a pristine afternoon. There were tables set outside a small café and the Italian waiters were singing Dean Martin’s hit song “That’s Amore.” They were serving platters of lemon delight! Lemon delight is made from huge lemons the size of grapefruit that grow on the Amalfi Coast. Lemons are a major industry on the coast with products of soaps, perfumes, candies and liqueurs produced. Lemons have been around for a while. The Romans enjoyed them but the golden age was during the discovering of the Americas when the lemon was used to prevent scurvy on long sea voyages. The
first written record of the qualities of the lemon was in 1646 when botanist G. B. Ferrari wrote “the nipple is prominent, the rind is rough, pleasantly scented with a sweet taste.” Our lovely Roman tour guide Rita had mentioned I had to experience “lemon delight” — and I did — it was out of this world! The recipe is posted on the front page of our web site at somedaytravel.com Just seeing the photo of the whipped white mounds of fluff with grated lemons made my mouth water, the recipe is by the famous pastry chef Sal de Riso. Another product is the after-dinner drink limoncello, a sweet yellow liqueur, used to sooth the stomach after eating too much. The drink has a 20 to 40 percent alcohol content. It had a kick to it — for some it would be “amore” — but not for me.
Specials!
August Specials
• Mom & Baby Products 10% Off • Compression Stockings (for men & women) 15% Off • CPAP Pillows and Wipes 15% Off • Stair Lifts $100 Off
Valerie Graczyk, Someday Travel
The huge Amalfi Coast lemons have an aromatic rind, juicy flesh and very few seeds. Rich in vitamin C and essential oils, the fruit is delicious if enjoyed uncooked or ideal for the preparation of fresh recipes. SUBMITTED PHOTO
All About Life Rehabilitation Center
Achieves Five-Star Quality Rating from CMS Providing high quality care and services to our residents is a responsibility we take very seriously and we are pleased to share that we have achieved a Five-Star quality rating from the U.S. Centers for Medicare & Medicaid Services (CMS). Designed to help patients, families, and caregivers compare nursing centers more easily, the Five-Star Quality Rating System promotes transparency and accountability across the post-acute care industry by providing a ranking of one to five stars, with five being the best.
September Specials • Mastectomy Swimwear, Head Coverings and Scarfs • Scooters and Dr. Comfort Shoes
For a tour of our center or to learn more about the Five-Star Quality Rating System, please contact:
Visit agnesian.com/healthshoppe for complete details or ask your Agnesian Health Shoppe customer service representative.
307 Camelot Drive, Fond du Lac (920) 926-5277 • Weekdays 8 a.m. to 6 p.m. WI-5001918039
12 | EXPERIENCE
AGNESIAN HEALTHCARE IS SPONSORED BY THE CONGREGATION OF SISTERS OF ST. AGNES
115 East Arndt Fond du Lac, WI 54935 920.923.7040 www.allaboutlifeskillednursing.com WI-5001924319
ACTION PUBLICATIONS | SEPTEMBER 2015