Senior living final

living

A publication of Southern Lakes Newspapers LLC

Winter/Spring 2015

s e n i o r

• Plan a spring break • Keep a sharp mind • Retirement tips

Your Hometown Funeral Home Since 1923

Mealy Funeral Home

Serving Waterford and surrounding communities with care and compassion for over 90 years John E. Kojis

Third Generation Owner Licensed Funeral Director and his dedicated staff

*Traditional Services with Burial *Cremation with Memorial Services *Pre-Need Specialists *Serving All Faiths

225 West Main Street Waterford WI 53185 www.mealyfuneralhome.com

(262) 534-2233

170527

Selecting an assisted living facility is an important decision.

At Waterford Assisted Living & Memory Care, we strive to make it an easy choice for residents and their families.

Call 262-534-4800 to schedule your tour today, or visit www.waterfordseniorliving.com.

Activities Socialization Fitness Salon/Barber Shop Full Spa

Additional 14 assisted living apartments opening in spring.

FILLING FAST! Reserve your apartment today!

190759

Living the good life Don’t put off saving for retirement.

The earlier you start, the earlier you’ll reach your goal. Make a plan and stick to it.

SUBMITTED PHOTO Living Senior

Successful ways to stretch retirement savings

Have a plan Many people simply fail to plan for retirement. Even men and women who invest in an employer-sponsored retirement program, such as a 401(k), should not make that the only retirement planning they do. Speak with a financial advisor who can help you develop a plan that ensures you don’t outlive your assets.

Set reasonable goals Retirement nest eggs do not need to be enormous. Many retirees have a net worth of less than $1 million, and many people live comfortably on less than $100,000 annually. When planning for retirement, don’t be dissuaded because you won’t be buying a vineyard or villa in Europe. Set reasonable goals for your retirement and make sure you meet those goals.

Make saving a priority Saving comes down to formulating a plan specific to your goals, resources, abilities, and skills. Make saving a priority and take advantage of employer-sponsored retirement programs if they are offered.

Don’t underestimate spending You will need money in retirement, and it’s best that you don’t underestimate just how much you’re going to need. No one wants to be stuck at home during retirement, when people typically want to enjoy themselves and the freedom that comes with retirement.

Speak to a financial planner to develop a reasonable estimate of your living expenses when you plan to retire.

Pay down or avoid Retiring with debt is a big risk. Try to eliminate all of your debts before you retire and, once you have, focus your energy on growing your investments and/or saving money for retirement.

Start early It’s never too early to begin saving for retirement. Although few 20-somethings are thinking about retirement, the earlier you begin to invest the more time you have to grow your money. Enroll in a retirement plan now so you have a larger nest egg when you reach retirement age.

(METRO CREATIVE)

living S E N I O R

A publication of Southern

Lakes Newspapers LLC

1102 Ann St., Delavan, WI 53115

(262) 728-3411

EDITOR: .................................................................................. Tracy Ouellette CREATIVE/PRODUCTION DIRECTOR: ................................Sue Z. Lange ADVERTISING DIRECTOR: ............................................. Vicki Vanderwerff SPECIAL SECTIONS ADVERTISING: ................................Karen Dubinsky FOR ADVERTISING OPPORTUNITIES: Call (262) 763-2575

LIVING SENIOR • WINTER/SPRING 2015

M

any budding retirees plan to travel, relax and enjoy the company of their spouses when they officially stop working. But such plans only are possible if men and women take steps to secure their financial futures in retirement.

According to a recent survey by the personal finance education site MoneyTips.com, roughly one-third of Baby Boomers have no retirement plan. The reason some may have no plan is they have misconceptions about how much money they will need in retirement. Successful retirees understand the steps to take and how to live on a budget.

3

Have

of a

SM

SM

You talk about many things with your lovedHave ones: from day-to-day details to You big events. Sharing storiestalk with those who matter most isn’t just important today; it will be especially

the

about many things with your loved ones: from day-to-day details to big events. Sharing stories with those who matter most isn’t just important today; it will be signifi cant when it’s time to honor and commemorate your lives. especially significant when it’s time to honor and commemorate your lives.

of a Talk Lifetime

Memorialization atMemorialization the end ofatlife is more it used tobe. be.

It can ect alifeperson’s the end of life is than more than it used to It can reflect refl a person’s story and be transformative, healing andcomforting. comforting. life story and be transformative, healing and Meaningful memorialization starts when loved ones talk about what matters most: memories

Meaningful memorialization when loved talk about what matters most: made, lessons starts learned and how they hope ones to be remembered. memories made, lessons learned and how they hope to be remembered.

SM

You talkFamily Funeral Homes Daniels about many things with your loved ones: from day-to-day details to big events. Sharing stories with those who matter most isn’t just important today; it will be especially significant when it’s time to honor and commemorate your lives.

Schuette-Daniels Funeral Home

Polnasek-Daniels Funeral Home

625 Browns Lake Dr., Burlington, Wis. 908 11th Ave., Union Grove, Wis. Memorialization at the end of life is53105 more than it used to be.

It can reflect a person’s life

(262) 763-3434 story and be transformative, healing and comforting.

burlington@danielsfamilyfuneral.com

(262) 878-2011

uniongrove@danielsfamilyfuneral.com

Meaningful memorialization starts when loved ones talk about what matters most: memories www.danielsfamilyfuneral.com made, lessons learned and how they hope to be remembered.

Complete Bumper to Bumper Auto Repair Korey Kuehni, Proprietor/Technician Locally Owned & Operated

Hours: M–F 8 A.M. to 5 P.M.

Download a free brochure and Have the Talk of a Lifetime today. It can make the difference

of a lifetime. and Have the Talk of a Lifetime today. It Download a free brochure t a l k o f a of l i f eat ilifetime. me.org can make the difference

t a l kofalifetime .o rg

262-275-2171

191526

416 S. 7th St. Delavan, WI 53115 (262) 728-2886 korey@koreysautokare.com www.koreysautokare.com

Download a free brochure and Have the Talk of a Lifetime today. It can make the difference of a lifetime.

Senior Living Never Looked So Good!

LIVING SENIOR • WINTER/SPRING 2015

talkofalifetime.org

4

ApartmentHomesforThose 62&Better

ApartmentHomesforThose 55&Better

1940 27th Ave., Kenosha

1920 27th Ave., Kenosha

Villa Ciera Apartments 262-597-5430

lease@horizondbm.com www.horizonseniorhousing.com **Income Restrictions May Apply**

Glenwood Apartments 262-551-0989

lease@horizondbm.com www.horizonseniorhousing.com **Income Restrictions May Apply**

170584

15 8525

have the

of a Talk Talk Lifetime Lifetime

157577

the

SUBMITTED PHOTO Living Senior

Spring break months are ideal for traveling, and even adults need a getaway from the winter blues. With these tips, you can plan your own grown-up spring break and enjoy the hidden gems of any destination.

Not just for kids

When you hear the term “spring break” what comes to mind? Likely images of partying college students or theme parks packed to the brim with families.

If you’re looking to enjoy a spring break vacation that’s a little more off the beaten path, consider a destination that proves to be a hidden gem for more mature crowds, whether it be young couples looking for romance to empty-nesters desiring a quick getaway.

With a few insider tips and tricks, you can indulge your desire to travel by following this advice for planning a grownup spring break vacation: Look for locations on the shoulder season The secret to enjoying a destination with fewer crowds is researching locations

that are currently experiencing a shoulder season – times of the year that are adjacent to peak travel periods.

One example is Myrtle Beach, South Carolina, with a shoulder season in March, April and May, as well as September and October. During this time there are fewer crowds and enjoyable weather, averaging 60 to 70 degrees.

Visit www.visitmyrtlebeach.com for more information.

Select off-the-beaten-path accommodations If you want a grown-up take on spring break, skip the mega-resorts and opt for more intimate accommodations. Research different neighborhoods and locally owned boutique hotels.

Bed and breakfasts are a great option

for a more relaxing and comfortable adult experience. Vacation homes are also ideal for an adult getaway. These homes can also be found in great locations while offering more room and privacy to make guests feel right at home.

Avoid tourist traps Once you select a destination, research areas to explore that are less known to tourists. These places might include local favorites, a hidden beach a short drive up the shore, or a scenic town with loads of charm but not loads of people.

Visitors to South Carolina looking to escape often head to the quaint fishing village called Murrells Inlet; the MarshWalk is a great area to indulge on • see SPRING

BREAK page 8

LIVING SENIOR • WINTER/SPRING 2015

SECRETS TO PLANNING SPRING BREAK AS AN ADULT

5

ExpEriEncEd SEnior carE Each office is independently owned and operated.

Home Helpers provides non-medical and personal care in homes, retirement communities, nursing facilities – wherever we’re needed!

Our flexible care plans are tailored to fit your needs and budget.

Caregivers are bonded and insured.

New Year, New Outlook Services from Society’s Assets help maintain your independence at home. uPersonal Care, Companionship, Respite uHousekeeping, Shopping, Appointments uCare for Persons with Alzheimer’s Disease uMedication Reminders, Post-Hospitalization uCertified Wisconsin Medicaid Personal

Care Provider, Also Payment by Private Pay, Some Long Term Care Insurance, Veterans Benefits Call to arrange a FREE in-home needs and safety assessment for a senior or person with a disability. uwww.societysassets.org

(800) 378-9128

Serving Racine, Kenosha and Walworth Counties

(262) 757-0012 www.HomeHelpers.CC

Like us on 158252

191212

SAXONY MANOR AFFORDABLE HOUSING FOR PERSONS 55 AND OLDER

MAKE WISE FINANCIAL DECISIONS Reflect your values, protect your future Reflect values, your future Our financial your representatives canprotect help you reach a place of comfort and confidence in your finances, all while helping you strengthen your community and supporting Our financial can help you reach a place the causes you carerepresentatives about most.

At Financial, believe that being prepared and generously ofThrivent comfort andweconfidence infinancially your finances, allliving while go hand in hand. So we provide sound financial guidance—and help you make the helping you strengthen your community and supporting best use of your time, treasures and talent. themore causes care most.connect their Christian values with For than 100you years, we’veabout helped families their finances. If that’s important to you, let’s talk soon.

At ThriventWISE Financial, we believe that being financially MAKE FINANCIAL DECISIONS

LIVING SENIOR • WINTER/SPRING 2015

prepared and living generously go hand in hand. So we

6

Reflect your values, protect your future Our financialsound representatives can help you reach a place ofhelp comfort and make confidence provide financial guidance—and you in your finances, all while helping you strengthen your community and supporting the best use of your time, treasures and talent. the causes you care about most.

At Thrivent Financial, believe thatJ.being financially prepared and generously Scott Pmore . Herrmann, FIC we Jim living Pfeil connect William Duesterbeck, LUTCF, FIC families For than 100 years, we’ve helped go hand in hand.

So we provide sound financial guidance—and help you Associate make the Lead Financial Consultant Financial Financial Associate their Christian with their If 1407 that’s best ofSt. your time, values treasures talent.

400 Nuse Pine Racine St., Unit E 1407and Racine St., Unitfinances.

E Burlington, WI 53105 Delavan,values WI 53115 Delavan, WI 53115 For more than 100 years, we’ve helped families connect their Christian with important to you, let’s talk soon.

262-806-7390 262-740-9040 262-740-9040 their finances. If that’s important to you, let’s talk soon.

Pay only 30% of your adjusted gross income • Carpeted 1 Bedroom Apartments • Appliances, Heat & Air Conditioner Included • Public Transportation On Site • Close to Shopping • Small Pets Welcome

Thrivent Financial representatives are licensed insurance agents/producers of Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. They are also registered representatives of Thrivent Investment Management Inc., 625 Fourth Ave S., Minneapolis, MN 55415. For additional important information, visit Thrivent.com/disclosures.

Appleton, Wisconsin • Minneapolis, Minnesota • Thrivent.com • 800-847-4836 25638LG R3-14

Call Today to Schedule a Personal Tour 262-551-9005 www.fm-inc.org/saxony-manor.html A subsidiary of Fransiscan Ministries 191451

Scott P. Herrmann, FIC Lead Financial Consultant 400 N Pine St. Burlington, WI 53105 262-806-7390

William J. Duesterbeck, LUTCF, FIC Financial Associate 1407 Racine St., Unit E Delavan, WI 53115 262-740-9040

Jim Pfeil Financial Associate 1407 Racine St., Unit E Delavan, WI 53115 262-740-9040

Thrivent Financial representatives are licensed insurance agents/producers of Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. They are also registered representatives of Thrivent Investment Management Inc., 625 Fourth Ave S., Minneapolis, MN 55415. For additional important information, visit Thrivent.com/disclosures.

Appleton, Wisconsin • Minneapolis, Minnesota • Thrivent.com • 800-847-4836

191525

25638LG R3-14

HAVE SOME FUN! Travel ideas for active seniors

Those who have said goodbye to the work-a-day grind now have many hours to settle down and relax. People who have continually put off vacations in lieu of work responsibilities may now have all the time they need to explore the world.

Traveling for seniors can be rewarding and relaxing. Those with a substantial retirement nest egg have numerous destinations at their disposal. Mature vacationers travel more frequently and stay longer than any other age group. Travel ranks among the top leisure activities for men and women over 50, according to the website Suddenly Senior.

Seniors can find several travel advantages at their disposal. Also, thanks to special senior discounts, travel may be even more affordable than first expected.

While certain destinations are not always practical for certain age brackets, there are many places to which seniors can visit comfortably and enjoy a wealth of memories.

Although theme parks may seem carved out entirely for the adventure-seekers, there are many other more placid activities that would appeal to those who prefer to keep their feet firmly on the ground rather than looping through the air on a rocketpropelled coaster.

With animal preserves, water parks, fine dining, and a bevy of hotels either in the park or directly on the outskirts, theme parks provide many activities for older travelers. Although theme parks require a lot of walking, many provide wheelchairs or motorized scooters for those who need to get off of their feet. They also make a great option for seniors who will be traveling with the entire family, including children.

BEACH RESORTS Provided flying is medically safe, a beachside vacation can be the ideal trip for seniors looking for the utmost in relaxation. For those who have passports, the possibilities are endless. Those who prefer to remain on relatively domestic soil can retreat to Puerto Rico, south Florida, the California coast, Hawaii, and the U.S. Virgin Islands.

SUBMITTED PHOTO Living Senior

Retirement is the perfect time to take that vacation you never had time for when working full time and raising a family.

CRUISING Cruising is a preferred vacation choice for the 50+ set because it offers the convenience of an all-inclusive package and transportation all in one. With the myriad activities offered on board, cruises are a versatile vacation option for seniors.

Also, there is no need to worry about traveling far for meals and other entertainment options, as everything is

self-contained on the cruise ship. For more active seniors who enjoy the daily getaway, excursions in ports of call can provide the variety desired.

GUIDED TOURS Seniors who want to experience a piece of history can sign up for tour packages • see TRAVEL

IDEAS page 8

LIVING SENIOR • WINTER/SPRING 2015

THEME PARKS

7

• SPRING

BREAK from page 5

• TRAVEL

delicious seafood, cold drinks and live music. No matter where you’re heading, a simple Google search or post on social media is sure to provide plenty of unique ideas.

Leave time open for relaxation and exploration It’s your spring break, so make it exactly how you want it to be. There is no pressure to have a fully packed itinerary or to stay out late unless you want it that way. Leave time to read a book beachside, get up at dawn to watch the sun rise and hunt for shells, or take a siesta after lunch.

You have no one to please but yourself, so leave the checklist of to-do’s at home and get into an adult vacationer’s frame of mind.

Sip and savor until your heart’s content For decades, adults looking to kick back and tempt their palates have visited wineries to pop open local bottles in beautiful surroundings. Today there is a new libation movement that

can make for a fun activity on your grown-up spring break: microbrewery tours.

Small, locally operated breweries, such as New South Brewing located in the heart of Myrtle Beach, offer an intimate look at the complicated process of beer brewing, including weekly tours and samplings that allows guests to try a few pours.

Look for mature entertainment options Say goodbye to theme parks and splash zones, and say hello to theater, music, history and more when you include alternative entertainment options in your itinerary. Spend the evening at a world-famous stage, such as the highly acclaimed Carolina Opry, which offers award-winning variety shows for adults. Or head to a historic locale, such as the Bowery music hall, which has entertained millions since 1944 with its Southern hospitality flair.

Fun fact: the Bowery is where the band “Alabama” got its start.

(BPT)

IDEAS from page 7

backed by reputable companies. The tours may involve train or bus travel, and various attractions will be visited. At the end of the tour, individuals can choose to extend the vacation by checking into a hotel nearby.

RV TRIPS Another self-contained vacation that is entirely up to the people traveling is vacationing by recreational vehicle. Seniors can customize their routes depending on which areas they want to see.

Companies like Cruise America RV enable people to rent an RV so they needn’t worry about the expense of buying one outright.

However, should RV traveling become addictive, there always is the option of buying a camper later on. Setting an itinerary and then establishing the pace enables travelers to tour the country or cross the border

as desired. From beaches to national parks, many areas offer RV hook-up areas and amenities.

EXOTIC TOUR Seniors who were never able to afford or spare the time for an extensive vacation may now want to visit those exotic locations that have beckoned for years. Now could be the time to book a ticket for Europe and visit all of the cities that have made the history books.

Those looking for even more adventure can travel to the South Pacific and explore tropical islands. Others may want to go “down under” and experience the rugged Outback or the culture of Australian city centers.

With a bevy of free time and fewer restrictions holding them back, seniors could be ready for the next great travel adventure.

(METRO CREATIVE)

Do More. See More

Know us

LIVING SENIOR • WINTER/SPRING 2015

BEFORE YOU NEED US…

8

If you or someone you love is dealing with a serious illness, it’s important to know all of your care options early—when it’s still a choice, not a necessity.

Sound Banking Advice from First National gets you there.

Learning more now can prevent a lot of worry and suffering later on. Find out how Rainbow Hospice Care provides comfort, care, and meaning at the end of life by contacting us soon.

Schedule a meeting to learn more.

Member FDIC

800.667.4401

(920) 674-6255 | www.rainbowhospicecare.org 191371

191413

Learn a second language

Seniors who are bilingual and have spoken two or more languages since their youth may have cognitive advantages over adults who have only spoken one language their entire lives.

A new study headed by Brian Gold, a neuroscientist at the University of Kentucky College of Medicine, which was published in the journal, Neuroscience, found that bilingualism leads to heightened mental skills.

In the study, participants were divided into three groups: bilingual seniors, monolingual seniors and younger adults.

Each group was instructed to sort colors and shapes in a series of simple cognitive exercises.

The researchers used a brain imaging technique to compare how well the subjects switched between mental tasks. The results indicated there were different patterns of brain activity among the groups when the tasks were being completed.

The patterns showed that bilingual seniors were able to switch between tasks and activate their brains in a manner closer to the younger subjects. They didn’t have to expend much effort, and they out-performed their peers who were monolingual.

The researchers surmised the bilingual seniors were using their brains more efficiently.

Other studies have shown bilingualism pays even more dividends, including improved cognitive function in those suffering from Alzheimer’s disease.

A study titled, “Lifelong Bilingualism Maintains Neural Efficiency for Cognitive Control in Aging,” found that even though seniors who spoke dual languages had more brain atrophy due to Alzheimer’s, they were still able to function better than individuals with lower levels of atrophy who spoke one language. Researchers believe that being bilingual strengthens the brain’s capacity for doing work, even if it is working at a deficit.

The jury is still out as to whether learning a second language or moving to a foreign country as an adult can provide the same level of cognitive advantage as being bilingual from childhood.

However, learning a new language can help keep the brain sharp. Many experts now believe learning a second language is

SUBMITTED PHOTO Living Senior

Seniors who have been bilingual since childhood have cognitive advantages over those who only speak one language.

no harder when you’re getting on in years than when you’re a child.

There are different methods to learning a new language: • Foreign language tapes; • Grammar/vocabulary books from a child’s foreign language class; • A foreign language tutor; • Vocabulary index cards; and

• Moving to a foreign country and learning through immersion Bilingual seniors have distinct cognitive advantages over other people who are monolingual. Urging children to learn a new language or learning as an adult can have profound effects on mental abilities.

(METRO CREATIVE)

LIVING SENIOR • WINTER/SPRING 2015

Cognitive ability better among the bilingual seniors

9

MOVING IN?

Things to consider when building an in-law suite Perhaps thanks to a struggling economy and an unpredictable stock market that has resulted in many retirement nest eggs being decimated, more and more adult children are welcoming their aging parents into their homes.

Such living situations have led to a growth in in-law suites. In fact, in 2010 the National Association of Home Builders found that 62 percent of builders surveyed were working on home modifications related to aging.

In-law suites are often created by converting a room in the house, such as the basement or even a garage, into a livable suite. Such suites can benefit elderly relatives who might have been dealt an unforeseen financial blow.

But in-law suites can also benefit younger homeowners who want to see their parents more. In addition, when older men and women move in with their

adult children, they can provide some necessary relief from the escalating cost of daycare.

Before building an in-law suite in their home, homeowners might want to heed the following tips:

Be certain it is legal

Making changes to your home may require a permit, particularly if your inlaw suite will be an entirely new addition to your property and not just a strict room remodel. Contact your local zoning board to ensure the project is within your rights as a homeowner.

Consider health issues

Many in-law suites are occupied by aging relatives who might not be able to get up and down stairs as easily as they used to. That makes accessibility of the suite a top priority. Typically, it’s best to

locate in-law suites on the first floor, so relatives won’t find it difficult to get in and out of the suite.

Don’t overlook privacy

Just because your parents or in-laws will be moving in doesn’t mean they don’t still value their privacy. Chances are your relatives will initially feel as though they are invading your space and your privacy, so be sure the suite affords adequate privacy to all members of the household.

It might be best to build the suite so it has its own separate entrance from the rest of the home. The suite should also have its own full bathroom and, if possible, its own kitchen area so your in-laws can cook for themselves and entertain their own guests without feeling like a burden.

A second kitchen is also something to discuss with a zoning board, as some locales prohibit having two complete kitchens in a single residence.

Tailor certain amenities to the elderly

If your in-laws are older, install certain amenities, such as grab bars in the shower and bathroom, during the initial construction so you won’t have to make changes down the road. Install easy-open drawers and make sure the suite has ample lighting.

LIVING SENIOR • WINTER/SPRING 2015

Remember to install safety features

10

SUBMITTED PHOTO Living Senior

Many seniors are moving in with their adult children to help care for grandkids and provide some relief from a sagging economy.

Safety features like fire, smoke and carbon monoxide detectors are a necessity.

Make sure the alarms on each of these detectors are loud enough so elderly men and women who have hearing loss can hear them without issue. Make sure all walkways leading to the in-law suite have motion-detecting lamps at night to reduce risk of falling.

Also, if the suite will be a separate building from your house, such as a converted pool house or detached garage, install an intercom system that connects with the main house so your relatives can easily reach you in case of emergency.

In-law suites are becoming more popular as a greater number of older adults are moving in with their adult children. Such suites can bring families closer together and prove beneficial for all parties involved.

(METRO CREATIVE)

Going on dates is a great way for older married couples to create excitement and romance. Try something new together.

For better or worse SUBMITTED PHOTO Living Senior

The trend of long-married couples calling it quits has been growing.

However, there are some steps couples can take to keep their relationships going strong.

According to the AARP, divorces among people over the age of 50 have doubled since 1990. According to Susan Brown, co-director of the National Center for Family & Marriage Research at Bowling Green State University, one out of three Boomers will face their golden years unmarried.

There are a number of reasons why divorce rates have skyrocketed among the over-50 set. Understanding just why these divorces are taking place and taking proactive steps to alleviate some of the divorce triggers can be a recipe for a happy marriage that continues throughout a couple’s golden years.

Increase accountability is years of avoiding significant issues Ours is a transient society where rather than addressing problems. Couples families no longer bat should make time to talk to each other an eyelash over moving about anything that might be Divorce rate great distances away from bothering them rather than the Baby Bo s for other family members. letting too many things slide. o generation mer As a result, Boomers If these conversations turn into ha may feel like they are not shouting matches, there is always skyrocketed ve , doubling si connected to children or the option of bringing in a third nce 1990. grandchildren. party to serve as a mediator.

With this in mind, they may feel less attached to their Spend time apart marriage or their responsibilities or After retirement, couples may believe that no one will get hurt by a find themselves spending hours upon divorce. Keeping families close and hours in each other’s company. While remaining in frequent contact can togetherness can be beneficial, too much increase accountability and reduce the time spent together may lead to feelings propensity for divorce. of suffocation and the perception that each member of the relationship is no Talk it out • see MARRIAGE page 12 A major reason for a failed marriage

LIVING SENIOR • WINTER/SPRING 2015

Keeping marriage going strong into your golden years

11

AM I CRAZY?

Attention: Local Area Home Owners to get Opportunity of the Year…

189

$

for

Frustrated Contractor I’m Offering My is “Giving Away” $2,673 FURNACE-SUPER-TUNE-UP Furnaces for $941 with $ Air… Off-Season Central

longer his or her own person.

Individuals can remedy this by doing more things on their own, whether spending time apart with friends or engaging in hobby time without your spouse. After all, absence makes the heart grow fonder. Brief periods of separation can make the time married couples do spend together feel more meaningful.

ONLY 89 (This is the ”Hottest AND Coolest

Deal of the Year” … especially if ...AND I Guarantee Your System your furnace is over 10 years old) Won’t Yes, Break it’s absolutely Down true. You canThis actually Winter replace your old

probably very inefficient) furnace and air conditioner as a package for at least $1,732 less you would have OR (and MY SERVICE ISthanFREE! to pay at any other time. Let me explain. Every year, the

KEITH NISSEN King of Comfort

months of January, February, March and April can “Kill” my business. I end up losing a Right!

I make a spectacular offer you I must be When thethese temperature toncrazy! of money during “Killer” months and it can take you me the remaining eight months can’t refusething andtowin you as new client for drops, I canto get pretty am I for make up forbusy. them. So, Andwhy I’m looking the same happen thisa year.

Is Your Opportunity offering such a drastic discount My on Problem my life.

I’ve decided give up tryingI want to make Back a profit the “killer” months. If I can only to during my offer.

Super-Tune-Ups? It’s to very simple. minimize January, and April I includes will come aoutpainstakahead in My March Super-Tune-Up you as a client for my life!losses So, during I call this my February, the other eight months. Here’s how this (admittedly daring) offer came about. Every year, ing and thorough examination of more than INVESTMENT IN YOU! the big manufacturers of air conditioners have to guess how many to build to meet the 44 right. potential areas your furnace.

I knowdemand. that I run the tightest Of course, they’re service never exactly So, problem they always haveinsome inventory inspect, adjust, *clean with your company inthey themust business. belong to summer a I will hold over Iuntil the next season.

I went to one of my and distributors and they allocated 44 premier air conditioners and furnaces.

And, because of the quantity permission clear and repair anything I find National Organization of highly motivated and time of year, I was able to buy them at drastically reduced, dirt cheap, out-of-season and technically competent heating and air wrong. When I have finished and if anyprices.

They are brand new profes2014 models.

Andwas theyrepaired, are NOTIthe “blems” thing willseconds presentoryou with or a conditioning contractors.

We are standard “builder” models. They are factory-fresh, premier air conditioners and furnaces written guarantee that your system is FIXED sionally andand continually trained in the skills have a full factory warranty.

OR IT’SFor FREE™! of service, repair, system replacement andCanRIGHT Here’s How You Get A Furnace Peanuts And if I have to comepackage back during because All-Star Team Building manageBy putting thisbusiness furnace and air conditioner togetherthis (thenseason “Jaw-Boning” the distributor) systems. and committing to a do-or-die purchase of these my systems, I was your systemagreement is not working, service is ment and marketing able to buy both the furnace and the air conditioner for less than anyone should have I am serious about my profession; proud FREE! a right to pay!

So, if you buy one of these normal new, premier air conditioners, I am This is a $189 value for only $89 and of my entire staff; and completely dedicat“giving” you the furnace and all I ask for is the $941 it costs to have your furnace installed. it’s limited to first-come, first-served ed to each and every one of my clients… Here’s How Don’t miss this opportunity to new and old.

Just call me at 262-248-2103 anytime. callers.

We will come out and measure your home (and In The Now, how am I going to prove all thisproper to meet determine the availability of the size). the Don’tBest forget, I onlyBusiness! have a limited amount of matched When they are gone, this remarkable offer isends also. I willcharge. show * Coil cleaning an additional you if I can’t get your systems. attention? you the real world price on the air conditioner that fits your home. Then, I will show you the substantial savings now. And it will include all labor and installation materials.

Nothing is left out.

The Concept Is Simple Really By letting you win big now, I will win at thewww.masterserviceslg.com end of the year. I’m betting that if I make you an offer that is “irresistible” (at least it should be if your furnace or air conditioner is over 10 years old) and I barely mark it up above the price The I paid, Good I will accomplish things: “We’re GuystwoYour 1. I will cover my rent, utilities, insurance and taxes in the “killer” months.

Friends Told You About”™ 2. I can pay my professional staff and technicians to work instead of paying them to sit ©2000 AirTime 500 All Rights Reserved at home.

If I can accomplish these two objectives, I will minimize my losses and the rest of the year, I can be a winner.

No Obligation Even after I completely explain the installation, there is absolutely no obligation. If you decide you don’t want to take advantage of the spectacular savings… that’s okay. I will give you a surprise gift worth $60 because you are kind enough to read this ad and give me a chance to solve my problem. I want you to think well of Master Services Plumbing, Heating & Cooling, even if you don’t buy.

You Can Buy With NO Cash You don’t even have to pay me right away. I have set up a bank rate financing plan. I even decided not to mark up the interest rate like some companies do. Consider this. If you decide to make monthly investments instead of paying cash the entire amount of your payments might be more than offset by the savings on your utility bills. It’s like “having your cake and eating it too”.

Ironclad Guarantee I’m so confident that you will save at least 25% on your cooling and heating bills (I’m projecting more like 35% +), that I will pay you Double The Difference for two years if you don’t! I’ll show you exactly how this works. There is no way you can lose. Your lower utility bills will help you save big. And I will even double your savings if you save less than 25%. If these premier systems were not among the best on the market, I couldn’t afford to make such a promise.

Why This Offer Can’t Last You must act before April 15th. Here are two reasons why.

1. I only have a limited amount of pieces of equipment. When all of the air conditioners are sold and all the furnaces are “given” away, that’s it. There are no more at this price.

2. If I have any of these systems that are left on April 15th (although I doubt I will), this offer still ends. Here’s why. The only reason I am making this virtually no-profit (for me) offer is because of the “killer months”. My business always picks up about May first.

Since these furnaces cost me so little, I can sell them at 2014 prices next November and December and still come out ahead. Give me a call now at 248-2103 and I will set an appointment for your no-obligation survey.

Recommit to your vows After 30 or more years, the vows you shared on your wedding may be a distant memory. Some people may have different views on the permanence of vows, putting personal happiness ahead of the happiness of the couple.

Take stock of what you promised one another on your wedding day and stick to those words.

Become a comedian Laughter has a way of dissolving a tenuous situation. Focus energy on laughing at mistakes instead of pointing blame. Couples can make fun of themselves and resolve to not take things too seriously.

Act like you’re dating Couples often become complacent after many years of marriage.

They may forget about the little details that made the relationship fun in the early years.

The personal notes and cards and other surprises may fall by the wayside after being together for some time. Make an effort to go on dates, write love notes and think of what was appreciated by your partner when you were in the dating stage.

Practice selflessness Sometimes all that is needed to rekindle a relationship is a selfless act that shows how much you care for your partner.

Couples who are on the fence with regard to divorce can make an effort to improve the relationship rather than simply see divorce as the best option.

(METRO CREATIVE)

Lake Geneva WI

262-248-2103 www.masterserviceslg.com

“We’re the Good Guys Your Friends Told You About” TM © 2001 AT500

191449

LIVING SENIOR • WINTER/SPRING 2015

262-248-2103

12

• MARRIAGE from page 11

SUBMITTED PHOTO Living Senior

Financial pointers for older,

unmarried couples

Moving in together is something typically associated with young couples, but more and more unmarried men and women over the age of 50 are choosing to cohabitate.

According to an analysis of recent U.S. Census data conducted by the Performance Reference Bureau, roughly 10 percent of the 15.3 million opposite-sex unmarried cohabiting partners in the United States are between the ages of 55 and 64, while 15 percent are between the ages of 45 and 54.

Such figures indicate that living together as an unmarried couple is no longer exclusive to younger couples. The incentives for older, unmarried couples to cohabitate are similar to those for younger ones, but older couples should heed a few financial pointers before deciding to move in together.

result, it’s important for unmarried individuals who cohabitate with their partners to update their wills, especially if they have been cohabitating for an extended period of time and want their partner to be taken care of in case of their death.

In addition to updating information regarding beneficiaries, older men and women might want to update certain information regarding their health, like who should take legal responsibility for medical decisions should one partner become incapacitated.

In addition to updating your will, update any existing life insurance policies and retirement benefits to include your partner if you so desire.

Discuss any changes with your family When you make changes to your will, those changes will affect your beneficiaries.

Upon making these changes, discuss them with your existing beneficiaries so your partner does not have to deal with relatives whose feelings might be hurt upon your death. This might not be an easy discussion, but you will want your partner to have your family as a support system upon your death.

Older, unmarried couples are choosing to cohabitate more and more. While the incentives to doing so are numerous, there are some precautionary measures couples should take before moving in together.

(METRO CREATIVE)

Maintain some financial independence Older, unmarried men and women who choose to cohabitate with their partners should still maintain some financial independence after moving in together. A joint checking or savings account might work down the road, but initially keep these accounts separate to avoid any disputes. Keep paying your own bills, including car payments and credit cards, at the onset as well.

Update certain documents and policies Upon your death, a partner with whom you cohabitate does not have the same legal rights of inheritance as would a spouse. As a

SUBMITTED PHOTO Living Senior

Older, unmarried couples should make some financial decisions before deciding to cohabitate. It’s especially important to include family members in the decision making process, especially children.

LIVING SENIOR • WINTER/SPRING 2015

Iron out the financial details ahead of time Young couples who move in together often do so as a precursor to getting married.

Such couples do not typically have much in the way of financial assets and, as a result, do not need to come to any formal agreement regarding their finances.

Older couples, however, might be bringing a more substantial financial portfolio into the relationship, and these finances can complicate matters. Before moving in together, older couples should document their finances and how household expenses, including a mortgage if one exists, will be paid.

Decisions regarding who will receive the tax breaks you might be eligible for when paying a mortgage should also be considered.

Documenting your financial situation can protect your assets should you break up. If these arrangements are not documented, unmarried couples who break up could find themselves in a contentious financial battle not unlike couples going through a divorce.

13

Special Senior Citizen DiSCount every tuesday!

Come Make Yourself at Home!

Where an Active Lifestyle Is Affordable for Adults 55 or Better

2 Great Locations to Better Serve You...

Lake Geneva PiGGLy WiGGLy

100 East Geneva Square Lake Geneva, Wisconsin 53147 In the Geneva Square Shopping Center Phone: 262-248-8798 Fax: 262-248-1688

DeLavan PiGGLy WiGGLy

1414 E. Geneva Street Delavan, Wisconsin 53115 South of Hwy. 50 (Shopko Shopping Center) Phone: 262-728-2638 Fax: 262-728-5930 Liquor Store (next door): 262-740-0541 169788

Office Hours: Mon., Tues.Thurs., Fri. 8:30 to 1:30

Stop by or call today for an appointment!

317 S. Main Street, Delavan, WI 53115

• One or Two Bedroom Apartments • Heat, Water & Sewer Included • Laundry Room on Each Floor • Heated Underground Parking

• 3-Story with Elevator Service • Controlled Entrance • Newly Decorated Community Room with Kitchen • Many Activities • A Pet Friendly Community

(262) 728-9948 Located just 2 Blocks South of Historic Downtown Delavan Professionally Managed

by Oakbrook Corporation 170606

Assisi Homes of Kenosha Part of the beautiful Lou DeMarco Village Senior Campus and professionally managed by Franciscan Ministries.

BEAUTIFUL ONE BEDROOM APARTMENTS

LIVING SENIOR • WINTER/SPRING 2015

Heat Included / electrIc SubSIdIzed

14

• Laundry Facilities • Elevators • Outdoor Patio • 24 Hour Emergency Maintenance • Community Room For Clubs, Social Activities & Recreation • Intercom Access Into Building Hours of Operation: Monday thru Friday 8 a.m. to 4:30 p.m.

Tel: (262) 551-9821 Fax: (262) 551-8045 TTY Relay Center 1-800-947-3529 1860 -27th Avenue • Kenosha, WI

180128

for Every O Occasion...

Royal Treat 50¢ Off ANY ROYAL TREAT WITH THIS COUPON Limit one Royal Treat Offer good at Burlington Dairy Queen Offer good through March 7, 2015

Burlington Dairy Queen 324 S. Pine St., Burlington • 763-9385

190712

• Rent Based On 30% Of Income • On Site Social Worker • Serving 62 & Older • Small Pets Welcome

Many entrepreneurs started their second, or “encore,” career with a financing option called ROBS, or Rollovers as Business Startups.

Boomers pursue business ownership over retirement

Small businesses create jobs, help sustain communities and are a driving force behind the U.S. economy. What you may not know is that many take the leap to business ownership as an alternative to traditional retirement.

In fact, 62.2 percent of almost 1,000 small-business clients surveyed by Guidant Financial are 50 or older, with the highest percentage of new entrepreneurs between the ages of 51 and 58.

Why are many baby boomers leaving corporate America – or postponing retirement – and turning to business

startups?

According to the survey, about 10 percent of respondents cited not being ready to retire or coming out of retirement as their primary reason. For others, dissatisfaction with the corporate lifestyle or position, or fulfilling a lifelong entrepreneurial dream, drove the change.

Many of these entrepreneurs started their “encore” career with the help of a financing option called ROBS, or Rollovers as Business Startups. ROBS let prospective business owners leverage existing retirement assets to finance a business or

purchase a franchise free of tax penalties.

ROBS can also be used with traditional funding options, such as SBA loans, for supplemental financing.

For many who have trouble securing necessary business financing, ROBS can help make the startup dream a reality, and can be especially attractive to those who have spent a number of years in a corporate setting acquiring the assets and expertise to make their startup a success.

To learn more, call (888) 472-4455 or visit www.guidantfinancial.com.

(NAPS)

LIVING SENIOR • WINTER/SPRING 2015

SUBMITTED PHOTO Living Senior

15

ADVICE FOR AGING ATHLETES Retirement shouldn’t mean the end of sports activity

Retired professional athletes often speak about the difficult moment when they knew it was time to retire from professional competition.

The transition can be easy for some but far more difficult for others. But aging amateur athletes know you need not be a professional to realize there comes a time when your body is telling you it’s time to ease up.

Athletes are used to pushing themselves and stretching their limits, but some limits are best not pushed. Such is the case with the limits posed by aging.

While athletes don’t have to completely fold up shop and hang up their cleats, tennis shoes or other athletic equipment as they approach senior citizen status, there are steps aging athletes can take to ensure they aren’t pushing their bodies too far as they grow older.

LIVING SENIOR • WINTER/SPRING 2015

Recognize your new recovery time Veteran athletes tend to have a sixth sense about their bodies, knowing how long they need to recover from common ailments like ankle sprains, knee pain, back pain and shin splints.

Despite the body’s remarkable ability for recovery, it’s not immune to aging, and that recovery time will increase as the body ages. Whereas a sprained ankle might once have been as good as new after a few days or rest, aging athletes must recognize that the same ankle sprain now might require more recovery time. Returning too quickly from an injury can only make things worse for aging athletes, so don’t push yourself.

16

Take more time to warm up As the body ages, its response time to exercise increases. This means the body needs more time to prepare itself for cardiovascular and strength training exercises. Increase your warm-up time as you age, gradually increasing the intensity of your warm-up exercises until your body feels ready for more strenuous exercise.

Focus on flexibility The more flexible you are, the more capable the body is of absorbing shock, including the shock that results from repetitive activities. But as the body ages, it becomes less flexible, which makes it less capable of successfully handling the repetitive movements common to exercise.

Aging athletes should focus on their flexibility, stretching their muscles before and after a workout. In addition, activities such as yoga can work wonders on improving flexibility for young and aging athletes alike.

SUBMITTED PHOTO Living Senior

Veteran athletes might have to slow down a bit and modify their routine, but aging isn’t necessarily the end of sporting activity for seniors. There are steps aging athletes can take to ensure they aren’t pushing their bodies too far as they grow older.

Don’t stop strength training Some aging athletes mistakenly feel they should stop strength training as they get older. No longer concerned about building muscle, aging athletes might feel as if they have nothing to gain by lifting weights and continuing to perform other muscle strengthening exercises.

But the body gradually loses muscle mass as it ages, and that loss puts the joints under greater stress when aging athletes perform other exercises. That stress can put people at greater risk for arthritis, tendinitis and

ligament sprains.

While you no longer need to max out on the bench press or challenge yourself on the biceps curl, it is important to continue to make strength training a part of your fitness regimen as you age.

Aging athletes need not associate aging with ceasing their athletic pursuits. But recognizing your limitations and the changes your body is going through is an important element of staying healthy as you approach older adulthood.

(METRO CREATIVE)

More than 70,000 children end up in emergency departments each year after getting their hands on medicines left within reach. Take steps to keep medicines up and away and out of reach of children.

SUBMITTED PHOTO Living Senior

LIVING SENIOR • WINTER/SPRING 2015

Grandparents, keep your meds up and away from young children

17

Grandparents love spending time with their grandchildren. Grandbabies bring so much joy. However, it’s not unusual for the curious, tiny fingers of youngsters to end up in places they shouldn’t.

Putting precious or breakable objects out of reach is important, and so is keeping medicines and vitamins up and away and out of sight of young children.

More than 70,000 children end up in emergency departments each year after getting their hands on medicines left within reach. That’s 165 kids – or roughly four busloads of kids – per day.

Far too often, that medicine belonged to a grandparent.

Where are young children getting their hands on medicines? From countertops and bedside tables, purses and pockets, and loose pills on tables or floors. Weekly pill minders can help you keep track of multiple medications, but they rarely have child-

resistant features so a curious child can’t get into the colorful medicines stored inside.

“Grandparents and parents may not be aware of the danger posed by leaving medications where young children can reach or see them,” says Dr. Dan Budnitz, director of the Medication Safety Program at the Centers for Disease Control and Prevention. “A few simple steps – followed every time – can protect our children.”

So, grandparents, enjoy your precious time with your young grandchildren. But whether hosting them in your house or visiting at theirs, remember to store your medicines in a place they cannot access.

Here are some tips from CDC’s “Up and Away and Out of Sight” initiative: • Keep all medicines and vitamins up and away and out of sight in a high cabinet or other place inaccessible to your grandchildren. If you think you may forget

to take your medicines if they are not in sight, leave yourself a reminder on the refrigerator or somewhere you check daily; • Never leave medicine or vitamins out on a counter or bedside table, even if you have to take the medicine again in a few hours; • Always relock the safety cap on a medicine bottle. If it has a locking cap that turns, twist it until you hear the click; • Never tell children medicine is candy so they’ll take it, even if your grandchild does not like to take his or her medicine; • Keep purses, bags or coats that have medicines or vitamins in them out of reach and sight of young children; and • Program the Poison Help number (1-800-222-1222) into your phone so you have it in case of emergency.

Visit UpandAway.org for more tips on safe medicine storage.

(NEWSUSA)

Waukegan’s Finest Retirement Housing TAKING RENTAL APPLICATIONS NOW! Low Income Senior Housing

IMMEDIATE OCCUPANCY For an appointment, call Mary Ann Glowinski at (262) 642-4800.

542 Washington St., Waukegan, IL 60085

158328

847-662-2277 www.Lilac-Ledge.com

EQUAL HOUSING EMPLOYER

Luxury Senior living at its best... with a personal touch.

Where an active lifestyle is affordable.

3223 North Street East Troy, WI 53120 heritageeasttroy@oakbrookcorp.com 158654

REILLY-JOSEPH COMPANY

AffordAble Housing for seniors Pay Only 30% of Gross Income for Rent!

LIVING SENIOR • WINTER/SPRING 2015

1 Bedroom, Appliances, On-Site Management, Locked Lobby

18

Courtyard Apts. 62+ 12250 W. North Ave., Wauwatosa Hampton Regency 62+ 12999 W. Hampton Ave., Butler Southgate Square 62+ 3775 S. 27th St., Milwaukee Surlow Senior Residences 62+ 2964 N. Bartlett Ave., Milwaukee Oakview Manor 62+ 4720 Byrd Ave., Racine Washington Court 62+ 5101 Wright Ave., Racine Bayview Manor 62+ 740 E. Linus St., Milwaukee

Professionally Managed by Reilly-Joseph Company Please call 414-271-4116 for an applicantion! EHO www.lowincomerentalsmilwaukee.com

180338

1001 S. Pine Street, Burlington WI 53105

• Private accommodations • Comprehensive emergency response system • Assistance with the activities of daily living (may include bathing, dressing, grooming) • LPN and RN on staff 24/7 • Supervision of oral medication • Incontinence assistance • Weekly housekeeping • Full range of activities 7 days a week with outings in the community • 3 meals daily • Utilities (except phone and cable) • Staff on premises 24 hours • Inpatient therapy • Laundry & housekeeping services For more information, please contact Mary Pearce (262) 767-1516 mpearcepinebrookpointe@yahoo.com 158749

R E T I R I NG I N 2 0 1 5 ?

You Your Money Your Future 431 Geneva National Ave S, Lake Geneva, WI 53147 | 262.686.3005 | 844.600.3008

Tyson Ray, CFP (left) Luke Kuchenberg, CFP (right)

www.formwealth.com Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC · Investment Advisory Services offered through Raymond James Financial Services Advisors, Inc. 190939

191528