NEWS FOR BOOMERS AND BEYOND
JANUARY 2015
FREE
Kevin ‘Keevin’ Ristau Fond du Lac Bears hockey volunteer devoted to team and program, forms close friendships
INSIDE: Healthy 2015 • Tech Talk • Marketplace • Estate Planning • Vienna • Birdfeeders • and more!
Four simple steps to a happier, healthier 2015 By Brandpoint Media
A
nother year is upon us, leaving plenty of time to reflect on what went well (and not so well) in 2014. Before you start outlining your self-improvement plan for 2015, consider this: only 8 percent of people who make New Year’s resolutions actually stick to them. Control the urge to recycle annual resolutions that you know you’ll never keep. Instead, identify new opportunities to keep your body fresh and your mind focused.
mental health days
We spend a lot of time at the office. And if you’re clocking more than 10 hours a day, it’s likely too much. Scientists often link overtime to everything from depression to cardiovascular issues. It’s no secret that we all count down the days until that next holiday vacation or summer road trip. But why wait? Don’t put off precious time away from the daily grind. Instead, avoid burnout by planning a few long weekends every year that help you recharge and refocus. Whether you’re sleeping in and catching up on your DVR or connecting with old college roommates, a little R&R will do wonders for your morale.
Indoor aIr qualIty
Nine in 10 homeowners realize poor indoor air quality can contribute to certain health issues, yet only one-quarter are worried about the air quality in their homes, according to a national survey from Broan-NuTone and Kelton. With the majority of homeowners spending 90 percent of their time indoors, it’s important to identify telltale signs of unhealthy air before they trigger health issues. If you’re noticing foggy bathroom mirrors after showering or lingering food aromas after preparing meals, chances are your home isn’t properly ventilated. Protect your home and your family by updating your
2 | EXPERIENCE
range hood or installing a new bath fan.
Clean out Closets
If you’re like most, you’re probably hanging on to one too many items that you’ve outgrown or no longer use. Free up closet space by taking inventory of any items you haven’t worn in several months. Holding on to jeans in the hopes you’ll fit into them? Donate them to someone who can wear them now and treat yourself to a new pair. Stockpiling old bridesmaid dresses? Have them altered into the ideal cocktail dress. Hoarding fashion jewelry and accessories that are no longer in style? Create a dress-up box for nieces, young cousins or students. Not only will you make more space for things you do need, de-cluttering creates feelings of happiness and accomplishment.
try somethIng new
If “learn to cook” and “lose 10 pounds” have been on your to-do list for years, it’s probably time to mix things up a bit. Be more
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specific when outlining goals. For example, instead of focusing on weight loss, why not focus on new classes to try out? From cardio kickboxing to spin class to ZUMBA and yoga, there are endless opportunities to get your heart rate (and your spirits) up. Check out your local gym and pledge to try something new every quarter until something sticks. As for cooking, turn it into a date night with your spouse by enrolling in a cooking class together. Or, buy a cookbook and take turns selecting new meals to prepare. Keep in mind that you won’t do yourself any favors by shrugging off goals or not planning in advance. Set up reminders and calendar invites to help keep you on track. Better yet, outline at least one shared resolution and invite friends or family members to join in.
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ACTION PUBLICATIONS | JANUARY 2015
Must-have technology: making bathrooms healthier, safer, more enjoyable By Brandpoint Media
T
the extraS
canister or flapper-type flush can be retrofitted to work with the Kohler Touchless Flush Kit. The sensor runs on four AA alkaline batteries, which power the sensor for six to 12 months, depending on the volume of use.
JANUARY 2015 | ACTION PUBLICATIONS
ers feature several improvements such as high-tech warming bars, detailed temperature controls with multiple settings, timers and energy-efficient features. Most people weigh themselves in the bathroom, and technology has also touched the traditional bathroom scale. It’s easy to find visually appealing scales that serve multiple functions besides simply displaying your weight. From scales that also measure body mass index (BMI) to wireless-enabled models that allow you to track your weight loss, BMI and other health indicators with a smartphone app, bathroom scales are more user-friendly than ever. Finally, technology has made it possible to shave, shower or relax in the tub while never missing your favorite TV show. You can opt for a waterproof television that you can watch while showering, or choose a medicine cabinet that features an LCD TV screen in a mirrored door.
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Safer, healthier toiletS
You don't have to be a scientist to know the toilet is one of the most germ-filled locations in any house — even if you're meticulous about keeping it clean. Touching spreads those germs from surface to surface. Just as touch-free faucets have improved hygiene in the kitchen, a touchless flush toilet can help make the bathroom a healthier and more hygienic place. “The toilet trip lever is an obvious area of hygienic concern,” says Brian Hedlund, marketing manager of Kohler toilets and bidets. “Touchless takes that concern out of the equation, using new technology to provide a touchless way to control the flush.” Kohler’s touchless sensor creates a precise electromagnetic field that accurately and reliably detects when users hold their hands above the toilet to trigger the flush. The company’s Cimarron toilet comes with touchless technology already installed, and virtually any single-flush toilet with a
Americans do much more in bathrooms than simply “take care of business.” The bath is also a hub for personal health, where we weigh ourselves and care for our mental health with relaxation. Extras like towel warmers, TVs and high-tech scales add a touch of luxury to the bathroom. Towel warmers have been around for centuries; wealthy 19th century and early 20th century homes were often outfitted with warmers that used a home’s steam heat system. Today, towel warm-
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hink home technology begins with your wireless, programmable thermostat and ends with the high-definition, 3-D, web-enabled flat-screen TV with surround sound? Think again. Whole home technology means using leading-edge devices to improve life in every room of the house, including the bathroom. From toilets that flush without being touched to waterproof TVs for the shower, the latest bathroom technology can make the room safer, cleaner, healthier and more enjoyable for everyone. Here is a handful of high-tech home improvements for one of the most-used rooms in any house:
Also from Kohler, the Nightlight Toilet Seat illuminates the seat with two gentle, blue LED lights, one to help you see the toilet area and the other to light the bowl once the lid is opened. The seat provides enough light to enhance nighttime safety and eliminates the need to turn on brighter, overhead lights that could disrupt your ability to go back to sleep.
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EXPERIENCE | 3
January Calendar
24 • Pra p.m. 400 U the p Compiled by the Fond du Lac Area Convention & Visitors Bureau. For detailed information visit www.fdl.com or call (920) 923-3010. look sign 9-10 • Foot oF the lake the a 3 • Indoor Farmers market – 9 a.m. 17 • candlelIght snowshoe/hIke available on first-come basis. synchronIzed skatIng classIc – 9 – 6 to 9 p.m., Horicon Marsh Int’l expl to 12:30 p.m.,Indoor Farmers Market, look 17-18 • central wIsconsIn gun 90 S. Main St. Shoppers will see several a.m. to 5 p.m., FDL Blue Line Family Education Center, N7725 Highway Ice Center, 550 Fond du Lac Avenue collectors show – Saturday 8 a.m. Snow familiar vendors including Produce 28 Horicon. Hiking and snowshoeing Come watch nationally competing to 5 p.m.; Sunday 8 a.m. to 3 p.m., FDL grac with a Purpose, Cup O’Joes delicious by candlelight, a roaring bonfire, synchronized skating teams perform roasted marshmallows and warm County Fairgrounds Expo Center, 601 Fond coffee, John and Tracy Salter’s beef in this daylong event. Concessions Martin Ave. Buy, sell or trade guns and No d and poultry, the Amish bakery and refreshments await couples, singles available. accessories at the largest gun show in many more vendors! The Farmers and families at the 5th Annual 25 • Wisconsin. Market will continue all year round Horicon Marsh Candlelight Hike/ 16 • tour the town art walk Chur and shoppers are encouraged to check Snowshoe. The Education Center will – 5 to 8 p.m., Downtown Fond du St. S out the new indoor market to find open for people to warm up, view the 24 • wIne around the world – 6 Lac, 130 S. Main St. Stroll historic Sym p.m., Thelma Sadoff Center for the produce all winter long, crafts, honey, 20 minute “Horicon Marsh Story”, downtown Fond du Lac during Tour Arts, 51 Sheboygan St. Discover great on th maple syrup, meats and baked goods. visit the gift shop or have the kids the Town, held the third Friday orga wines from around the world and do a fun craft to bring home! Other of every month from 5-8 p.m. All 8 • BrIdal FaIre 2015 – 4 to 7 p.m., tasty hors d’ oeuvres while viewing activities include, stargazing with manner of artists - from painters, 30 • Holiday Inn, 625 W Rolling Meadows featured art. This annual signature Northern Cross Science Foundation, to jewelry makers, to mixed media too Dr. Designed for couples planning wine tasting event offers over 100 owl talks on the trails, learn about artists, to cheese artisans, and every Wisconsin’s mammals on the short different wines and carefully selected for t a wedding. Meet jewelers, florists, medium in between - grace our p.m. beers from around the world with caterers, musicians, stenographers, “Family Loop” trail and you can downtown’s venues with their wares $20 ( unlimited tastings. An evening for printers, photographers and buy a warm beverage and light for purchase. Free. disc everyone! professional wedding planners. snacks inside the center. Snowshoes
Lincoln House
2015 Transportation Services
Fond du Lac County Department of Senior Services 1-800-215-5494 Service Type 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)
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...
Fee $3.00 each way
LINCOLN HOUSE: 342 Forest Ave. FRANKLIN HOUSE: 349 W. 11th St.
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-5001738847
4 | EXPERIENCE
ASSISTED LIVING FOR OLDER ADULTS
For more information or a tour, call 922-7072 • www.rsifdl.org
WI-5001853870
Serving the people of Fond du Lac since 1971 ACTION PUBLICATIONS | JANUARY 2015
24 • SNOWSHOE THE GOTTFRIED PRAIRIE AND ARBORETUM – 1 to 3 p.m., Gottfried Prairie and Arboretum, 400 University Dr. Snowshoe through the prairie and arboretum while looking for animal tracks and other signs of wildlife. We will also examine the arboretum’s dormant trees and explore ways to identify them by looking at their buds, twigs and bark. Snowshoes will be provided by the gracious donation of Attitude Sports of Fond du Lac. Registration is required. No dogs. Call (920) 313-0190.
jazz, funk and original music. Don’t miss the debut of this nine-piece band at THELMA! 31 • OWL PROWL – 3 to 8 p.m., Horicon Marsh Int’l Education Center, N7725 Highway 28 Horicon. Two-part field trip, come to one or both parts. At 3 p.m. meet at the parking lot to drive in search of owls. At 6:30 p.m. meet in the auditorium for a program and hike to call for owls. Free.
31 • INDOOR FARMERS MARKET – 9 a.m. to 12:30 p.m., 90 S. Main St. 25 • CHAMBER CONCERT – 3 p.m., Shoppers will see several familiar Church of Our Saviour, 363 S. Main faces from the summer market St. Soloists and ensembles from the including Produce with a Purpose, Symphonic Band, preceded by a recital Cup O’Joes delicious coffee, John on the church’s German-built tracker and Tracy Salter’s beef and poultry, organ. the Amish bakery and their infamous doughnuts and pies and many more 30 • BIG MOUTH AND THE POWER vendors! The Farmers Market will TOOL HORNS – Thelma Sadoff Center continue all year round and shoppers for the Arts, 51 Sheboygan St., 7 are encouraged to check out the p.m. Bar Opens; Performance 8 p.m., new indoor market to find produce $20 (THELMA Members 40 percent all winter long, crafts, honey, maple discount). An eclectic mix of blues, syrup, meats and baked goods.
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Hockey Action Fond du Lac Bears FDL Blue Line Family Ice Center, 550 Fond du Lac Ave. Looking for some excitement? How about watching the second oldest amateur hockey team in the nation take to the ice? The Fond du Lac Bears are a full-check hockey team participating in the Great Lakes Hockey league. They play competition from all over the country in a hard-hitting, fast-paced game. Admission is charged. ● Jan. 2 – Fondy Bears vs. Eagle River, 8 p.m. ● Jan. 3 – Fondy Bears vs. West Bend, 8 p.m. ● Jan. 17 – Fondy Bears vs. Monroe, 8 p.m. ● Jan. 24 – Fondy Bears vs. West Bend, 8 p.m. ● Jan. 31 – Fondy Bears vs. De Pere, 8 p.m.
Hockey Tournaments ● Jan. 3-4 – Pee Wee A New Year’s Hockey Tournament, FDL Blue Line Family Ice Center, 550 Fond du Lac Ave. ● Jan. 16-18 – Don Kohlman No Check Adult Hockey Tournament, FDL Blue Line Family Ice Center, 550 Fond du Lac Ave. Veteran players competing for the chance to win the 2015 Kohlman Cup! Adult hockey tournament features teams from all over the Midwest.
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JANUARY 2015 | ACTION PUBLICATIONS
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EXPERIENCE | 5
Kevin ‘Keevin’ Ristau
30 years of dedication has formed many close friendships for Story by Lois A. Pflum I Photos by Doug Raflik/Action Reporter Media
A
beautiful facility located on Fond du Lac Avenue is like a second home to Kevin “Keevin” Ristau, 55, of Fond du Lac. Among a multitude of polished trophies in all sizes is where Keevin spends 15 to 20 hours a week, hanging out with members of the Fond du Lac Bears hockey team, the coach and the manager. Keevin has spent more than half his life in this comfortable environment, as a well-known volunteer. Born in California, he moved to Fond du Lac many years ago when his mother returned to her roots. He has a brother, Mark, and a sister, Deb. He grew up in Fond du Lac, and graduated from Goodrich High in 1979. Keevin has been employed by Agnesian Healthcare for 32 years in the food service department. Keevin became interested in the Blue Line hockey players when he was working out at the Scandia Spa, which was located at Cobblestone Square. The Steffes boys, Joe and Jeff, now deceased, befriended him and invited him down to the hockey rink to watch the games. Keevin became hooked on the sport, and even now, continues to put his heart and soul into it. Keevin quipped, “Now I am part of the program,” and as the story goes — the rest is history. He unassumingly (modestly) related his story. His long-time association with the Bears occupies much of his time. He commented, “Many people do not know that the Fond du Lac youth hockey program is the No. 1 program in the state. Bears coach, Scott Holmes clarified this by adding, “It’s one of the best.” When asked how he got the name Keevin, he simply stated, “There were two Kevins and they started to call me Keevin, and the name stuck.”
Friendly and outgoing as he is, he just accepted that. Holmes said, Keevin is part of the team. He continued, “He helps me out a lot. He manages the 50-50 raffles at the games, helps out with practices and games, fills the water bottles, and on occasion, will give pep talks to the players between the periods.” Not only does he show up at all the games and practices, he continues to promote and support the team. He loves the high energy and excitement and said the cold doesn’t bother him. He just dresses for it. Hockey season for the Bears begins in October and goes through March, with tournaments that draw players and fans from all over. Holmes said, “We kick off the season in October with what we Kevin Ristau talks to a player while attending a Fond du Lac Bears hockey practice.
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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-5001856358
The December issue of “The Portland Resource” newsletter will be available soon. If you would like to be added to our mailing list, please call the ADRC and specify the electronic version to be emailed or the printed copy to be sent to you.
Happy Holidays from The Aging and Disability Resource Center of Fond du Lac County.
JANUARY 2015 | ACT
Kevin Ristau is a proud volunteer of the Fond du Lac Bears hockey team and is honored to have a tournament trophy named after him.
r Fondy Bears volunteer
call the ‘Keevin Cup.’” We invite four teams from our league, and the winner receives the “Keevin Cup.” Holmes explained, “It is similar to the Stanley Cup, only like a miniature version.” He continues, “This event started in 2010 and the Bears have won the coveted cup three years in a row.” He has high hopes of winning again. Keevin went on to explain that there are five players and a goalie that “work” the rink (participate in the game) in three different periods. The ages of the players range from 19 to about 32 years old. He knows all the players by name, unless it is a new player. No doubt, he will quickly learn that player’s name, as well. For a guy who admitted he never even ice skated as a youngster, his devotion and love for the Bears and the team is phenomenal. When asked what his favorite thing about the Bears is, he quickly replies, “Talking to the players and the ticket takers.” He calls many of them his ”special friends.” Holmes and the team members have a lot of love and respect for Keevin. When his stepfather passed away in March 2013, he was humbled when all the team members attended the funeral. Keevin’s favorite pastime when he is not at the hockey rink is watching baseball. He has managed the softball team for Miller’s Pub (formerly Annie’s on the Avenue) the past five years. He also enjoys attending some Fondy football games, and has proudly commented he attended one Badgers and one Packers game. After the hockey season ends in March, Keevin is content to just relax and watch TV.
He has served on the board of directors for Blue Line Hockey for about 20 years. Officers are Dave Mulder, president; Tim Pickart, vice-president; Donna Whealon, secretary; and Steve Little, treasurer. Ryan Blick is the rink manager. There are two smaller ice rinks besides the large one where practices, games and tournaments are held — the bleachers are usually packed during the tournaments. The Fond du Lac community can be very proud of the Blue Line hockey rinks, which also has a concession stand for visitors.
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Fond du Lac Bears 2014-2015 season For a complete schedule of Fond du Lac Bears hockey games, go to fdlblueline.com or see the calendar of home games on page 5 in this issue of Experience.
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When asking Keevin if he has any future goals, he half-joked, “Maybe drive the Zamboni someday.” He explained, “I call it a ‘big vacuum’ because it resurfaces the ice.”
920-896-0095
www.accmanagementgroup.com EXPERIENCE | 7
❚ LIFE ❚ LOVE ❚ LOSS ❚ LEGACY
FUNERAL & ESTATE PLANNING
Asset, estate planning is essential for singles By Isabell M. Mueller, attorney
O
ne of the biggest misconceptions about estate planning is that it is only important for those who are married. In fact, estate planning is just as crucial for single individuals. With married couples, if one spouse becomes incapacitated and does not have power of attorney documents in place, there is still the natural assumption that the court will appoint other spouse as guardian. It is a more complicated situation when a single individual becomes incapacitated. By law, the individual’s parents are the next-of-kin, but they may not be in a position to take on that additional responsibility. Perhaps the incapacitated individual would have preferred someone closer in age, such as a sibling. However, neither the family, nor the court
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would have any way of knowing this. For this reason it is perhaps even more important for singles to execute financial and health care powers of attorney than for married individuals. Similar issues arise when a single individual passes away without an estate plan in place. Assets that name a specific beneficiary, such IRAs or life insurance will be distributed to the person(s) named. However, assets that do not have beneficiary designations, such as real estate, bank or brokerage accounts, will go through the probate process and Wisconsin law will control who benefits. If the deceased had children, the assets will go to the children, who will then receive their inheritance outright or when they reach age 18. If the deceased did not have children, his or her parents will be the beneficiaries. If the parents are
also deceased, then siblings, or even nieces and nephews, will receive the estate, which may not be what was intended. Further, if any of these individuals receive government benefits, this unplanned inheritance will almost certainly interfere with those benefits. The State of Wisconsin has a
“default” plan for dealing with an individual’s incapacity or death. However, with single individuals this “default” plan is even less likely to resemble the desired outcome than with married individuals. The only way for a single individual to truly control that outcome is to put a proper estate plan in place.
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ACTION PUBLICATIONS | JANUARY 2015
All Faiths Welcomed! GREAT PRE-CONSTRUCTION DISCOUNTS AVAILABLE NOW! PLEASE CALL FOR AN APPOINTMENT
IN S CO IDE NE MI ADW NG D SOITIO ON N !
Important steps for Marketplace enrollees By Julie A. Hilbert, senior benefit specialist
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ary Agnes Cary recently published a very helpful five step checklist on Kaiser Health News for new and already enrolled individuals looking at Marketplace insurance. The relevant portions of the article are below and can also be found on KaiserHealthNews.org.
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Fond du Lac County Senior Dining Menu JANUARY 1 New Year’s Day JANUARY 2 Chicken Breast, Mashed Potatoes, Baby Carrots, Pecan Pie, Petite Banana*, Sliced Bread JANUARY 5 Glazed Ham, Au Gratin Potatoes, Mixed Vegetables, Fruited Gelatin, Frosted Cake*, Sliced Bread JANUARY 6 Chicken Tetrazzini, Casserole, Broccoli Cuts, Choc. Banana Torte, Seedless Grapes, Dinner Roll JANUARY 7 Pork Jaegerschnitzel, Mashed Potatoes, Pickled Beet Salad, Applesauce, Cookie*, Sliced Bread JANUARY 8 Pot Roast, Baby Red Potatoes, Carrots, Birthday Cake, Apricot Halves*, Dinner Roll JANUARY 9 Crispy Fish Fillet, Sour Cream and Chive Potatoes, Peas and Carrots, Pear Slices, Orange Sherbet*, Sliced Bread
JANUARY 12 Country Fried Steak, Mashed Potatoes, Spinach Salad with Rasp. Vinaigrette, Fudge Brownie, Pineapple Tidbits*, Sliced Bread JANUARY 13 Meatloaf, Baked Potato, Green Beans, Fruited Gelatin, Cookie*, Dinner Roll JANUARY 14 Baked Chicken, Twice Bk Style Pot., Copper Penny Salad, Tapioca Pudding, Fruit Cocktail*, Sliced Bread JANUARY 15 Lasagna Casserole, Italian Blend, Vegetables, Cantaloupe Slice, Cinnamon Roll*, French Bread JANUARY 16 BBQ Meatballs, Baby Red Potatoes, Corn, Carrot Cake w/ Cr. Cheese Frosting, Plum Halves*, Sliced Bread JANUARY 19 Beef Stew, Winter Blend, Vegetables, Peach Slices, Ice Cream Cup*, Cheddar Biscuit JANUARY 20 Pork Steak, Mashed Potatoes, Red Cabbage, Key Lime Pie, Applesauce*, Dinner Roll
JANUARY 21 Chicken Teriyaki, Baked Potato, Chinese Ramen Sal., Pineapple Tidbits, Cookie*, Sliced Bread JANUARY 22 Salisbury Steak, Mashed Potatoes, Peas and Carrots, Molasses Cookie, Pear Slices*, Dinner Roll JANUARY 23 Chicken, Broccoli and Rice Casserole, Tossed Salad, Mand. Orange Gel., Frosted Cake*, Sliced Bread JANUARY 26 Swedish Meatballs, Mashed Potatoes, Calif. Blend Veg., Chocolate Torte, Seedless Grapes*, Sliced Bread JANUARY 27 Smoked Sausage, Baby Red Potatoes, Carrots, Applesauce, Cookie*, Dinner Roll JANUARY 28 Baked Chicken, Twice Bk Style Pot., German Cole Slaw, Butterscotch Pud., Honeydew Melon*, Sliced Bread JANUARY 29 Ham Rolls, Cheesy Potato Bake, Peas/Pearl Onions, Fruited Gelatin, Cinnamon Roll*, Dinner Roll JANUARY 30 Swiss Steak, Mashed Potatoes, Mixed Vegetables, Coconut Cream Pie, Petite Banana*, Sliced Bread
WI-5001795726
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.
JANUARY 2015 | ACTION PUBLICATIONS
SHOP AROUND Just because you’re enrolled in a policy now doesn’t mean it’s the best deal for you next year. If you’re currently in the federal Marketplace and don’t take any action, you’ll be re-enrolled in the same plan you’re in now. Federal 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. DON’T GET BILLED TWICE 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. FIND OUT IF YOU QUALIFY FOR FINANCIAL HELP Enter your most up-to-date income information on healthcare. gov or with your state exchange to see if you are entitled to receive a tax credit toward the cost of your
health insurance. Even if you are like the majority of those enrolling in marketplace plans who receive a subsidy, update your income to make sure you get the correct amount next year. This is important because if you get too much of a subsidy, you’ll have to repay it when you file your taxes the following year. KNOW ALL COSTS It’s not just the monthly premium that will cost you. Understand a policy’s out-of-pocket costs — like co-pays, co-insurance, and deductibles — before you enroll. The health law allows out-of-pocket maximum caps of $6,600 for an individual policy and $13,200 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.
Need Help? ● Work with a local insurance agent or broker. ● Find one of the law’s trained navigators or assistors. ● Call the federal 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 in Medicaid — the federalstate program for lowincome people — if you qualify.
EXPERIENCE | 9
Turn your yard into a winter wonderland for birds By Brandpoint Media
W
inter is the time of year when birds need you most and when you have the greatest chance of attracting them to your backyard. As your backyard fills with wild birds, their plumage and songs can brighten dreary winter days. FEED WITHOUT GUILT! There is absolutely no research that shows wild birds will become lazy if you feed them. Nor will they forego migrating in favor of hanging around your backyard.
AVIAN JUNK FOOD Birdfeed that contains cheap fillers won’t attract or satisfy birds, and they will either look elsewhere for food, or — if they’re really feeling winter’s pinch — eat at your feeder but leave a mess of filler uneaten on the ground. Birds also love suet, which gives them much-needed stores of fat. Seeds with a high fat content are best during
Anyone can provide advice. At Edward Jones, our goal is to provide advice and guidance tailored to your needs. 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.
FRESH, UNFROZEN WATER Use fountains or spritzers in your birdbath to attract thirsty birds. You can also use a heated birdbath to ensure feathered visitors never have to contend with frozen water. BIRDFEEDER SAFETY Be sure to place birdfeeders away from structures that could provide a haven for avian predators, like cats or hawks. Be mindful of proximity to your house and the risk that birds might fly into windows if feeders are too close to your home. Winter is a great time to nurture your love of bird feeding and bird watching. Plus, you’ll have the satisfaction of knowing you’re helping your feathered friends during the season when they need it most. Visit coleswildbird.com to learn more.
A R T CA R E S E V I F
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Use your Medicare Rehab with “Emphasis on Return to Home” Rich Matravers 404 E. Main Street Waupun, WI 53963 (920) 324-9002 800-441-6143
Joe Heeringa 14 W. Main Street Waupun, WI 53963 (920) 324-2188
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10 | EXPERIENCE
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
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
Jeff Wills 928 S. Main St Suite 600 Fond Du Lac, WI 54935 (920) 923-1020
GRANCARE • GRANPARK REHABILITATION • ASSISTED LIVING WI-5001858671
V
BIRDFEEDER CLEANLINESS Cleaning minimizes mold, mildew and other unhealthy conditions that could make backyard birds sick. Consider an easy-to-clean, hassle-free feeder that has a quick-clean feature. Remember to throw away any seed left over when cleaning, and let the feeder dry thoroughly before refilling, so there’s less chance of seed becoming encased in ice.
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winter, so look for options like black oil sunflower seed, Niger seed, raw peanuts and suet cakes.
920-921-6800 ACTION PUBLICATIONS | JANUARY 2015
Vienna! A Slow Waltz ‌ By Valerie Graczyk, Someday Travel
W
hen I was a teenager, before we could go out with our friends to a movie or dance on Friday nights, we had to clean the house. There were six of us and we were all highly motivated to get it done. To lift our spirits one of us would put on a stack of records. In between “South Pacific� and “West Side Story� we would sandwich in an album of “Strauss Waltzes from the Vienna Woods.� I recall whirling around cleaning to the music! Never in my life did I envision myself someday actually attending a concert in the Vienna Concert Hall listening to an orchestra playing “The Blue Danube Waltz� by Johann Sebastian Strauss, then known as the Waltz King of his time. Our group enjoyed this special evening even more when at the intermission we were served champagne under a full moon on the outdoor balcony. Vienna as a city has a great deal to see and experience. We toured the palace and gardens of Schonbrunn, the summer residence of the Hapsburg. The Hapsburg Dynasty ruled Bavaria
Schlosspark Schonbrunn and Gloriette in Vienna, Austria. GETTY IMAGES
for 700 years. Every Sunday at Mass in the chapel, the renowned Vienna’s Boys Choir performs. The Empress Maria Theresa ruled for 40 years. Her youngest daughter was Marie Antoinette, who would become Queen of France. Another part of our tour was the
Osborns celebrate 5 generations The Osborn family of Fond du Lac, gathered recently to celebrate five generations. Irene Herr, 100, seated, holds her 14th great-great-grandchild, Monty Richardson, born July 7. From left: Grandfather Dean Osborn; greatgrandmother Kathleen Osborn; and mother Samantha Richardson.
FEUCHT
F I N A N C I A L G R O U P, L . L . C.
920-921-6288
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
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◆ 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
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JANUARY 2015 | ACTION PUBLICATIONS
Hundertwasser-Krawina House, created by the controversial Viennese artist Friedensreich Hundertwasser. This artist designed a colorful building without any right angles or straight walls. To view photos from our trip visit somedaytravel.com.
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EXPERIENCE | 11
Contact Us For Winter Specials!
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Glenn Elmer 539-3800 • Kevin Jones 251-6748 • signaturehomesaj.com 12 | EXPERIENCE
ACTION PUBLICATIONS | JANUARY 2015