The Good Life - July 2021

SUNDAY, JULY 25, 2021 |

The good

life Sunday, July 25, 2021

A getaway for the books

Visit sites inspired by Hemingway’s time in Michigan

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N2 | Sunday, July 25, 2021

THE GOOD LIFE

A GETAWAY FOR THE BOOKS Visit these sites inspired by Hemingway’s time in Michigan

SLONE TERRANELLA

‌D

Detroit Free Press‌

ETROIT — Before Ernest Hemingway shuffled to Paris, Florida and Cuba, he made memories in Michigan that never loosened their grip on his heart.

His first wedding, his childhood memories of splashing in lakes, his early set of short stories – Michigan served as the backdrop for all of it.

Hemingway immersed himself in the Michigan lakes, woods and farms. The writer spent every summer in Michigan after his family bought a cottage and farm near Walloon Lake in Petoskey, according to Michael Federspiel’s book “Picturing Hemingway’s Michigan.”

Federspiel, who is also a former Central Michigan University history professor and part of the Michigan Hemingway Society, told the Free Press the Up North life gave Hemingway a break from

his busy hometown of Oak Park, Illinois, directly next to Chicago.

Michigan was an imperative place in Hemingway’s life, and his first generation of writing — which scholars often say is some of his best work — was set in Michigan.

As the summer season approaches, Hemingway’s Up North stomping grounds provide scenery, educational opportunities and a chance to walk in the famous writer’s footsteps.

It comes as the U.S. Centers for Disease Control and Prevention just gave the green light for fully vaccinated people to travel domestically while abiding to CDC-recommended precautions like wearing a mask.

Here are some destinations inspired by Hemingway’s time and life in Michigan.

Carnegie Library building, Petoskey

while speaking to the Ladies Aid Society about his World War I experiences, according to the Michigan Hemingway Society.

At the event, Hemingway met the Connable family, who connected him with an editor from the Toronto Star newspaper, according to the society. This started his career as a European correspondent with the paper.

The Petoskey District Library now uses the Carnegie Library building as a community meeting room space. The Petoskey District Library’s entire property is filled with beautiful architecture, art and educational activities for families.

pool hall called the Annex.

According to the Michigan Hemingway Society, the Annex was popular during

Hemingway’s time. He enjoyed playing pool at the saloon and Please see GETAWAY, Page 4

With over 25 different styles to choose from McGowans has the areas largest selection of power lift chairs

To learn about the library, visit petoskeylibrary.org/

City Park Grill, Petoskey

In December 1919, Hemingway wore an Italian cape and uniform

Before it was a Victorian-era pub, the City Park Grill served as the town’s local saloon and

A portrait of Ernest Hemingway looks down from the mahogany bar at City Park Grill in Petoskey, Michigan.

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Sunday, July 25, 2021 | N3

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N4 | Sunday, July 25, 2021

THE GOOD LIFE

Getaway From Page 2

watching the “bare-knuckle boxing matches in the nearby park.”

The Fochtman family managed the Annex, which legally sold soft drinks during Prohibition. However, the Michigan Hemingway Society said the saloon probably sold alcohol, too.

The Annex most likely served as the inspiration for the saloon in “A Man of the World,” and there are many ghost stories about City Park Grill’s building.

To make a reservation at the City Park Grill and have a chance to eat at Hemingway’s old saloon, visit cityparkgrill.com/

Horton Bay General Store, Boyne City The store was a mainstay during Hemingway’s adolescence. According to the Michigan Hemingway Society, Hemingway frequented the store often, and it served as the center of business and social life in the town.

The general store was built in 1876, and it’s listed on the National Register of Historic Places.

Hemingway made references to the general store in his short story, “Up in Michigan.” The Michigan Hemingway Society also said the Horton Bay General Store inspired Mr. Packard’s store in “The Last Good Country.”

To visit the Horton Bay General Store, go to hortonbaygeneralstore. com

The Little Traverse Historical Museum, Petoskey In the 1960s, the Pere Marquette Railroad Station was converted into the Little Tra-

CENTRAL PRESS, GETTY IMAGES VIA TRIBUNE NEWS SERVICE‌

American writer Ernest Hemingway in the courtyard of his house in Paris, in Rue Notre Dame des Champs.

American writer Ernest Hemingway (1899-1961) travelling with U.S. soldiers, in his capacity as war correspondent, on their way to Normandy for the D-Day landings in 1944.

verse Historical Museum.

The museum houses a “great permanent Hemingway display,” Federspiel said.

When it was a railroad station, Hemingway used it to travel between Charlevoix and Petoskey, according to the Michigan Hemingway Society.

to keep the property as a hotel.

Stafford’s Hospitality purchased the hotel in 1989, and it’s listed on the National Register of Historic Places, according to the hotel’s website. Along with the historical aspect of the stay, the hotel is a 9-minute walk from the Petoskey City Marina

To learn more about the museum, visit petoskeymuseum.org.

To learn more about the Perry Hotel or to book a room, visit theperryhotel.com/ accomodations/

MONDADORI PORTFOLIO, ZUMA PRESSVIA TRIBUNE NEWS SERVICE‌

Stafford’s Perry Hotel, Petoskey Stafford’s Perry Hotel in Petoskey is shown with a lovely rainbow hanging overhead.

Originally named the Hotel Perry, Hemingway was born the same year it was built, which was 1899. Federspiel’s book said the hotel is still in operation today, and it’s one of the last “great hotels in existence.”

In 1916, a young Ernest Hemingway spent 75 cents to rent out a room at the Hotel Perry, Federspiel’s book said.

Builders fully constructed the hotel out of brick, a response to fire hazards and fears, and the structure originally accommodated 150 guests, Federspiel’s book said. In 1919, the building’s private owners, Dr. John Reycroft and Dr. George Reycroft, almost converted the hotel into a hospital. However, city officials convinced the owners

KATHERINE RODEGHIER, CHICAGO TRIBUNE VIA TRIBUNE NEWS SERVICE‌ KATHERINE RODEGHIER, CHICAGO TRIBUNE VIA TRIBUNE NEWS SERVICE‌

A young Ernest Hemingway was a regular at the Horton Bay General Store. Built in 1876, it still caters to summer visitors in Northern Michigan. tion for “The Nick Adams Stories,” during the honeymoon scene.

In the story, Nick Adams and his new bride, Helen, begin their honeymoon by rowing across the lake to the cottage.

This is essentially what Hemingway and Hadley Richardson, his first wife, did after their Michigan wedding in 1921.

There’s no marker indicating this is a “Hemingway tour

A photo of Ernest Hemingway and his first wife, Elizabeth Hadley Richardson, hangs in the Horton Bay General Store near Petoskey, Michigan. The Hemingways were married in a church next door in 1921. spot,” and it’s a little more complicated to locate directionally.

According to the Michigan Hemingway Society, Walloon Lake’s public access is located southeast of Horton Bay on Sumner Road.

To learn more about this location and its directions, visit upnorthtrails.org and mihemingwaytour.com

Walloon Lake’s public access, Bay Township The Hemingway cottage on Walloon Lake is private property, and there were issues with people vandalizing and disrupting the property, Federspiel said.

Ernest Hemingway’s love affair with Michigan’s north country began when he was a boy, when his family began spending summers in the Petoskey area, and extended into his early manhood years. Here, Ernest fishes Walloon Lake at age 5.

Although Hemingway enthusiasts are unable to visit the writer’s childhood cottage, people can still visit Walloon Lake’s public access and boat launch area. The site served as Hemingway’s setting inspira-

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Sunday, July 25, 2021 | N5

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THE GOOD LIFE

key considerations as you craft your retirement plan

ANTHONY LANDI

‌S

Kiplinger Consumer News Service‌

tashing away money for retirement is both smart and necessary to increase the odds that you will be financially secure once your working career comes to an end.

But the act of saving money is not in itself a retirement plan. You also need to be intentional in establishing how much money you will need, when and how you will spend it, how taxes might affect you, and a host of other issues.

Let’s look at five key areas you should think about as you carefully produce a retirement plan that can serve you well when you finally take that step into your post-working years.

1. Income distribution

A top concern among retirees is running out of money, so it’s critical to take steps to make your money last. But how do you do that, especially now that the once-popular 4% rule is falling out of favor in some quarters? Dr. David Babbel, professor of finance at the Wharton School, puts it this way: “If you have a stock portfolio and withdraw a fixed amount per year, such as the standard rule of 4% plus inflation, you have a 90% chance of running out of money in retirement.”

While it would be nice to think a magic-bullet investment exists that could fix this problem, there isn’t one. That ideal investment would be safe, liquid and would show strong growth. Investments typically will do some combination of two of those, but no investment will do all three.

One of the most effective ways to make your money last is to separate your investments into different asset classes to accomplish different goals. This means that you would set aside, into income-producing vehicles, the lowest amount necessary to produce the monthly income you need above and beyond Social Security and pensions. You would also have an emergency fund of at least six to 12 months plus any

“Certainly, creating a on the risk. Your goal is no longer to grow your money but to hang on to retirement plan that what you have. The time has arrived begin shifting your portfolio into covers all the bases to more conservative investments. can be complicated, This might also be a good time to reconsider which financial professo consider sional you are working with. Some conferring with a advisers are more focused on ac— piling up as much financial professional cumulation money as possible for you — while who understands the others are more skilled at income planning — making sure that the best strategies for money you accumulate lasts. making your money Health care planning last. You don’t want 4.Both health care and long-term care costs can eat away at your savall those years of ings. It’s especially important for investing and saving retirees to know the complex ins and outs of Medicare, for which you to go to waste.” known upcoming big expenses.

And the rest of your money would be in a growth portfolio to hedge against inflation.

2. Tax mitigation plan

The IRS doesn’t lose interest in you when you reach retirement; in fact, a portion of your Social Security may be taxable, depending on how much other income you have.

Therefore, it’s important to continue to find ways to reduce your tax bill. Instead of micro tax planning, you need macro tax planning — focusing on the big picture of what your tax-deferred accounts are going to cost you over your lifetime. Explore how each of your investments is taxed, and create a written plan for the most tax-efficient way of withdrawing money from accounts in retirement.

3. Readjusting your portfolio for retirement needs Throughout your working years, you may have relied on an aggressive investment strategy, taking calculated risks so you could see substantial growth in your retirement savings. But as you near and enter retirement, it’s time to ease up

become eligible at age 65. For example, if you don’t enroll in Medicare during your initial enrollment period, you could face premium penalties.

Also, it’s important to know that Medicare doesn’t cover everything, and one thing it doesn’t cover is long-term care. You will need another plan — savings, long-term care insurance, or other alternatives — to deal with that. Maybe you will never need long-term care, but the odds say you will. Someone who turns 65 today has a 70% chance of needing some type of long-term care services at some point in their lives.

5. Estate planning

None of us likes to dwell on this, but eventually our lives come to an end. It’s vital to have a plan in place so that the right assets get left to the right people in the right way. Perhaps surprisingly, even the wealthy and the famous fall short with this sometimes. When Prince died in 2016, it was discovered he had no valid will, and his sizable estate has been in litigation ever since.

Closer to home, I’ve seen situations where a property wasn’t titled correctly, causing problems for heirs. Tanya Bell, of Bell Law Firm, P.A., says, “Having a properly crafted estate plan can assist your

family in avoiding the substantial expense of the lengthy probate or guardianship proceedings. One of the biggest problems we see at Bell Law Firm is that many people don’t ever fund their trusts.” When you fund a trust, you transfer ownership of assets from you to your trust. If that doesn’t happen, your beneficiaries will end up in probate, something you likely wanted to avoid by setting up the trust.

Certainly, creating a retirement plan that covers all the bases can be complicated, so consider conferring with a financial professional who understands the best strategies for making your money last. You don’t want all those years of investing and saving to go to waste.

Anthony Landi is an investment adviser representative. Ronnie Blair contributed to this article.

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Sunday, July 25, 2021 | N7

THE GOOD LIFE

REGULAR EXERCISE MAY SLOW BONE LOSS MATTHEW DRAKE, M.D., PH.D. |

Tribune Content Agency‌

‌DEAR MAYO CLINIC: What are the latest medications or exercise recommendations for women who want to avoid osteoporosis?

I am 55 and went through menopause a few years ago.

ANSWER: Although some bone loss is inevitable after menopause, developing a regular exercise routine can be useful in limiting that loss. Medications can be used to limit bone loss, too, but they are not necessarily for everyone.

Your body regularly makes new bone and breaks down old bone.

The hormone estrogen plays a key role in that process. When you’re young, your body makes new bone faster than it breaks down old bone, and bone mass increases. Most people reach peak bone mass in their mid-20s to mid-30s. The higher your peak

bone mass, the more bone your body has to sustain bone health throughout the rest of your life.

Osteoporosis occurs when the body’s creation of new bone no longer can keep up with the breakdown of old bone. Bones then become weak, brittle and more easily broken. Menopause substantially raises the risk of osteoporosis because bone loss is rapid within the first six to eight years after menopause due to a rapid decline in estrogen.

No natural approach can stop postmenopausal bone loss, but regular exercise may help slow it.

A combination of strength training and weight-bearing exercises usually is best. Strength training helps strengthen muscles and bones in your arms and upper spine. Weight-bearing exercises, such as walking, jogging, running, dancing, stair climbing, skipping rope or skiing, have benefits for the entire skeleton, particularly the bones in your legs, hips and

lower spine.

The overall strength of bones relies on their size and density.

Bone density depends in part on the amount of calcium, phosphorus and other minerals bones contain. When bones contain fewer minerals than normal, they become weak and eventually begin to break down and lose their internal support structure.

Medications for osteoporosis are geared toward slowing bone breakdown.

The most common medications prescribed for osteoporosis are bisphosphonates. They work by decreasing the rate that bones break down, allowing the body to maintain bone density and structure. These medications generally are not prescribed before osteoporosis develops. But they may be appropriate in some cases when the risk for breaking a bone is high.

Getting enough calcium and vitamin D in your diet is also im-

portant to help keep your bones healthy. People between 18 and 50 need 1,000 milligrams of calcium per day. That increases to 1,200 milligrams when women turn 50 and men turn 70.

Good sources of calcium include low-fat dairy products, dark green leafy vegetables, canned sardines with bones, canned salmon and soy products. Many cereals and juices are calcium-fortified. If you can’t get enough calcium in your diet, your health care provider may recommend a supplement.

Vitamin D is necessary for your body to absorb calcium. While some people get all the vitamin D they need from sunlight, others do not, due to factors such as time spent indoors or the use of sunscreen. Your health care provider can do a blood test to check your vitamin D level. If it’s low, you may need a vitamin D supplement.

A bone density test is one way

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to assess the health of your bones.

It measures how many grams of calcium and other minerals are in a segment of bone. The higher the bone mineral content, the denser the bone. In general, the denser the bones are, the stronger they are and the less likely to break.

In women who have never broken a bone and who don’t have other osteoporosis risk factors, a bone density test to screen for osteoporosis is recommended at age 65. But the specific age when you’ll need a bone density test depends on your osteoporosis risk.

Talk to your health care provider to find out what’s best for you.

Matthew Drake, M.D., Ph.D., Endocrinology, Diabetes and Metabolism, Mayo Clinic, Rochester, Minnesota.

Mayo Clinic Q&A is an educational resource and doesn’t replace regular medical care. E-mail a question to MayoClinicQ&A@mayo.edu. For more information, visit www.mayoclinic.org.

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N8 | Sunday, July 25, 2021

THE GOOD LIFE

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