50 April 2012 | The magazine for active, mature lifestyles
THINGS TO DO
financial Column Transitioning into retirement: The retirement ‘zone’
ADRC spring events
health column Liposuction technology advances significantly
Dr Nolan Hetz
A Half-Century of
Dick Weber’s community efforts far-reaching
On the Cover: 6-8 Dick Weber of Manitowoc holds the Community Quarterback Award he received from the Green Bay Packers in 2005 for his fundraising efforts on behalf of Manitowoc County Habitat for Humanity. Sue Pischke/50 Plus Staff Pat Pankratz, 50 Plus! Editor 920-686-2138 email@example.com Lowell Johnson, General Manager 920-684-4433 firstname.lastname@example.org 50 Plus! is published monthly by the Herald Times Reporter. It also is distributed to select businesses in Manitowoc County.
THINGS TO DO March 24 The Green Bay Packers-From Birth to Legend, Manitowoc Heritage Center. Discover the fascinating history of the Packers. A catered meal will follow the program. Advanced registration is required. 5:30 to 7 p.m. (920) 684-4445 Music Through the Decades: The Clipper City Chordsmen, Capitol Civic Centre. Join the barbershop quartet for harmonies and fun. 7 p.m., (920) 683-2184.
March 25 Guest Artist Music Series: Chalumeau Winds, Silver Lake College, Guest Artist concert will provide a variety of musical styles, from Baroque through contemporary. 3 p.m.; (920) 686-6173, www.sl.edu
March 31 Inspired by America: Manitowoc Symphony Orchestra, Capitol Civic
The Lakeshore Passion Play, formerly called the “Resurrection Celebration,” will return to the Capitol Civic Centre for the first time since 2009 on April 5-7. For information call (920) 683-2184 or visit www.lakeshorepassionplay. com. 50 Plus file photo
Centre, Explore the facets of our national experience at a salute to America. 7:30 p.m., (920) 683-2184. www.cccshows.org
April 5-7 Lakeshore Passion Play, Capitol Civic Centre. Back for the first time since 2009. Help celebrate the season with a brand new cast and director, (920) 683-2184. www.lakeshorepassionplay.com
April 14 Allen & Mara Bonde: The Lakeshore Big Band, Capitol Civic Centre, This father/daughter duo will be the featured piano and vocal soloists. Accordionist Jerry Krueger will join in for a fun-filled concert finale. 7:30 p.m. (920) 683-2184 Wisconsin Lighthouses, Manitowoc Heritage Center. Talk given by Barb and Ken Wardius, authors and photographers of the book “Wisconsin Lighthouses — A Photographic and Historical Guide.” Talk will be followed by a catered meal, 5:30-7 p.m. Pre-registration required, (920) 684-4445,
April 15 Celebrate Earth Day with Bubble-ology!, Point Beach Energy Center, Become a master soapy scientist. Learn how to make a square bubble, bubbles inside bubbles, and more. Shows at noon, 1:30 and 3 p.m., Join in kite flying with Unique Flying Objects. Free. (920) 755-6400 or 800-880-8463
April 21 Theatreworks USA: Charlotte’s Web, Capitol Civic Centre, E.B. White’s loving story of the friendship between a pig named Wilbur and a little gray spider named Charlotte. 1 and 4 p.m., (920) 683-2184
April 26-28 Heart-a-Rama, J.E. Hamilton Community House, Two Rivers. Enjoy a show that makes fun of life on the Lakeshore, (920) 682-5586. Also May 3-5. www.heartarama.blogspot.com
April 28 Inspired by All That Jazz: Manitowoc Symphony Orchestra, Capitol Civic Centre. This is the last concert for the season. 7:30 p.m., (920) 683-2184
Carefree Senior Living
Comfortable 1 & 2 Bedroom Apartments Include: • Security Features • Hot Water Heat • Water & Sewer • Appliances WI-5001470575
2 . April 2012 . 50 plus!
• Garages Available • Safety Features • Laundry Facilities • Community Room
929 S. 31st Street Seniors 55+ Residence Across the street from Senior Center Shopping, Banking
• Soundprooﬁng • Elevator • Cable/Dish Ready • Monthly Socials *Income limits apply to 1 Bdrms.
For A Showing: (920) 684-1531 or email@example.com
financial Column | Transitioning into retirement: The retirement ‘zone’ If you’re considering retirement within the next five years or so, you’re in the retirement “zone.” This is a critical time period during which you’ll be faced with a number of important choices, and the decisions you make can have long-lasting consequences. It’s a period of transition: a shift from a mindset that’s focused on accumulating assets for retirement to one that’s focused on distributing wealth and drawing down resources. It can be confusing and chaotic, but it doesn’t have to be. Tip: If you’ve recently retired, you’re also in the retirement zone. You’ll want to evaluate your financial situation in light of the decisions that you’ve already made, and consider adjusting your overall plan to reflect your current expectations and circumstances.
Are You Ready? The first question that you should ask yourself is: “Am I ready to retire?” Can you afford to retire and can you afford the retirement you want? The question relates to the emotional issues surrounding retirement — how prepared are you for this new phase of your life? Consider both the financial and emotional aspects of retirement; retiring before you’re ready can put a strain on the best-devised retirement plan. Tip: There’s not always a “right” time to retire. There can be, though, a wrong time to retire. If you’re not emotionally ready to retire, it may not make sense to do so simply because you’ve reached age 62 (or 65, or 70). In fact, postponing retirement can pay dividends on the financial side of the equation. Similarly, if you’re emotionally ready to retire, but come up short financially, consider whether your plans for retirement are realistic.
Start with the basics: If you do not already have a projection of the annual income you’ll need in retirement, spend the time now to develop one. Factor in anticipated costs relating to basic needs, housing, health care, and long-term care. Be as specific as you can. Consider and account for inflation. You may want to consider advice from a financial advisor and tax professional to assist with this. Estimate the income that you’ll be able to rely on from Social Security and any benefits from a traditional employer pension, and compare the result with your projected retirement income need. Take stock of your personal savings. Are your personal savings sufficient to provide you with the annual income that you’ll need?
employment, it’s possible that early retirement could effectively reduce the benefits you receive. If you plan to start using your 401(k) or traditional IRA savings before you turn 59½ (55 in the case of a 401(k)), you may have to pay a 10 percent early distribution penalty tax in addition to any regular income taxes (with some exceptions, this includes payments made due to disability). You’re not eligible for Medicare until you turn 65. Unless you’ll be eligible for retiree health benefits through your employer (or have coverage through your spouse’s plan), or you take another job that offers health insurance, you’ll need to calculate the cost of paying for insurance or health care out-of-pocket, at least until you can receive Medicare coverage.
When will you retire? The age at which you retire can have an enormous impact on your overall retirement income situation. The earlier you retire, the sooner you need to start drawing on your Non-Financial Issues retirement savings. You’re also giving up what could be prime earning years, What do you want to do in retirement? when you could be making substantial Do you intend to travel? Pursue a hobby? Give some real thought to how additions to your retirement savings. you’re going to spend a typical week,
The longer the retirement period that you need to plan for, the greater the potential that inflation will eat away at your purchasing power. You can begin receiving Social Security retirement benefits as early as age 62. However, your benefit may be as much as 20 to 30 percent less than if you waited until full retirement age (65 to 67, depending on the year you were born).
Randall Behnke is a financial advisor and president of Integrity Investments & insurance Mgmt., 3121 Calumet Ave., Manitowoc. Contact him at (920) 686-8222 or( 888) 971-7233. and consider actually writing down a hypothetical schedule. If you haven’t already, consider: Volunteering — You can provide a valuable service to the community, while sharing your unique skills and interests. Going to school — Retirement can be the perfect time to pursue a degree, advance your knowledge in your current field or in a new field. Starting a new career or business — Retirement can be the perfect opportunity to try something different. Having concrete plans can also help overcome problems commonly experienced by those who transition into retirement without thinking ahead: Loss of identity — Many people identify themselves by their professions. Affirmation and self-worth may have come from the success that you’ve had in your career, and giving up that career Transitioning into retirement continued on page 9
Stop by Our Open House
March 30, 12-7 • March 31, 10-2
If you’re covered by a traditional employer pension plan, check to make sure it won’t be negatively affected by your early retirement. Because the greatest accrual of benefits generally occurs during the final years of
PARK LANE APARTMENTS • 416 PARK LANE • MISHICOT, WI
Check out our New Safety First Walk in Showers and the latest products to update your home.
Sonnenburg Builders Plumbing Center
• • • •
One and two bedroom with full kitchen and appliances • Patios and decks • Coin-operated laundry in all buildings • Off-street blacktop parking with heater plug ins •
Across the street from Village Park Seniors 62 and over Handicapped or disabled 18 years of age and over One block from a grocery store
Rent based on 30% of income, less medical Professionally Managed By: Bob Gregurich •
I M M E D I AT E O P E N I N G S • L O W- R E N T H O U S I N G FOR SENIORS OR • HANDICAPPED, DISABLED
2125 N. RAPIDS ROAD, MANITOWOC PHONE; 684-3399 • 684-6733
50 plus! . April 2012 . 3
ADRC has several spring events planned By JUDY RANK With the spring season upon us, the Aging & Disability Resource Center of the Lakeshore (ADRC) has several opportunities for individuals to connect with friends, neighbors and others to address issues that may be presenting some challenges in life for them. The ADRC, in cooperation with the Manitowoc Health and Rehabilitation Center, will be offering a six-week “Living Well” program from 9:30 a.m. to noon beginning Tuesday, March 27. This is a program for adults with ongoing health conditions such as diabetes, arthritis, high blood pressure, heart disease, chronic pain or anxiety. The program can help you take charge of your life. It is an opportunity to get the support you need, find practical ways to deal with the pain and fatigue, discover better nutrition and exercise choices, and learn better ways to talk with your doctor and family about your health. Please contact Lynn at (920) 683-4180 to register for the class.
The “Stepping On,” seven-week falls prevention program scheduled by the ADRC to start March 29 is filled. However, a class is expected to be held later this spring in the northern part of Manitowoc County. Individuals wanting to ensure a spot in the next class can put their name on the waiting list by calling the ADRC at (920) 683-4180. This class has been proven to increase strength and balance, and to reduce falls.
‘Powerful Tools’ The ADRC and Aurora Medical Center will be offering another “Powerful Tools for Caregiving” series beginning on Friday, April 13, continuing for six consecutive weeks, concluding on Friday, May 18. It will be held from 9:30 a.m. to noon each week at Aurora. Attendance at all six sessions is highly encouraged, as each class builds upon previous skills aquired. Focus is on the caregiver and selfcare. You will learn techniques to reduce personal stress, communicate effectively with family, friends and medical professionals, reduce guilt, anger, depression and tension. You will practice relaxation techniques, and
build confidence in handling difficult caregiving situations, emotions and decisions. Respite care for your loved one, during the class, can be provided by Generations Elder Care, but must be arranged in advance. An admission assessment is required prior to attendance for all new elder care registrations. Please call Lynn at the ADRC at (920) 683-4180 to arrange for this service or to register for the class. Class size is limited. Family caregivers are invited to attend a free seminar on Wednesday, April 18, beginning with registration from 1 to 1:30 p.m. at the Millhome Supper Club in Kiel. Teepa Snow, who is nationally recognized for her presentations on providing care for someone with dementia, will be the keynote speaker. A 1:30 to 2:30 presentation, “Using a Positive Physical Approach to Give Care,” will be followed by a 2:45 to 4:15 presentation titled “Learning the Difference Between Confrontational & Supportive Communication.” Registration forms can be requested by contacting the ADRC or by contacting the local Alzheimer’s Association. Registration deadline is April 10.
Senior Fair Please mark your calendar for the second annual “Age Strong! Live Long” senior fair, scheduled for 1 to 4 p.m. Wednesday, May 23, at the Manitwooc County Ice Center. This year’s theme, “Never Too Old to Play,” utilizies May’s Older Americans Month theme. The event will include vendors who will be displaying services they are able to offer in the community, food, and several presentations. Attorney Michelle Birschbach will talk about long-term care insurance, the benefits that the insurance can provide, the advantages of the different types of insurance, and who should consider purchasing the insurance. Other presentations will include: “Whatever happened to recess” and a “Play upon the golden years.” Watch for more information at the time grows nearer.
Volunteer Week April 15-21 is National Volunteer Week. The staff of the ADRC wishes to thank everyone for doing their part by volunteering to help make the community
Some decisions are too
to be rushed.
IIt just makes sense to prepare for the inevitable while emotions are at rest and heads are clear.
Visit us today and learn more about these special services:
to answer your questions and provide the guidance you need to make educated decisions.
Call Mike today to set up an appointment.
Hours: M-F 9 a.m. - 6 p.m. Sat 9 a.m. - 1 p.m.
������������� ����� ��� ��� ���� �� ��������������������������������
����� �������� ������ �������������� ����� � �������� ������ �������� ��� ������ ��������� ���������
4 . April 2012 . 50 plus!
818 State Street Manitowoc, WI 54220 920.682.0118
1122 South 8th Street Manitowoc, WI 54220 920.682.1568
1124 Main Street Kellnersville, WI 54215 920.732.3535
©2009 F.A.C. Marketing
Pre-planning Specialist Mike Jarzin is available
Marv Moore, PharmD Brian Jensen, R.Ph., FACA Karl Schroeder, R.Ph. Joylyn Moore, PharmD
• Personal Medication Counseling • Daily Delivery • Prescription Compounding • Online Reﬁlls • Bubble Packaging • Automatic Reﬁlls with our SmartFill Program • One Price Plan–Get a Large Supply of Your Medication and Save
stronger. The ADRC has more than 600 volunteers engaged in serving and delivering meals, transportation, helping individuals secure benefits, co-facilitating programs, blood pressure clinics, boards, and many more. The ADRC always welcomes new volunteers and is especially looking for more volunteers to become involved in the rural and out-of-county transportation program. The rural program serves a different community each day, while the out-of-county program provides transportation to individuals needing medical care beyond what is available in Manitowoc County. Background checks are done on all volunteers and a good driving record is required for those positions that involve driving. Volunteer drivers are needed to drive the two county-owned vans and a sedan. Interested individuals may call the ADRC at (920) 683-4180 and ask for Linda. Happy Easter to everyone!
Jointhe Thinking Cremation? Club
Please call to arrange a tour of our award winning cremation center, Manitowoc Countyâ€™s newest and largest facility. All-Care offers a wide range of cremation options as well as a reception center for family gatherings.
JON BON JOVI turned 50 years old on March 2. An American musician, singer, songwriter and actor, he is best known as the founder, occasional rhythm guitarist, and lead singer of rock band Bon Jovi. During his career, he has released two solo albums and 11 studio albums with his band, which to date has sold over 130 million albums worldwide. The band was declared the second-richest band for 2011, behind U2, earning approximately $125 million, according to Forbes magazine.
Judy Rank is executive director of the Aging and Disability Resource Center of the Lakeshore.
All-Care Cremation Center 928 South 14th Street Manitowoc www.allcarecremationcenter.com
Advanced Planning Makes Sense Your locally owned Funeral Homes
All-Care Cremation Center John Bodwin
Licensed Pre-Need Counselor
Why Patients choose Manitowoc Health and Rehabilitation Center for their recovery? Staff was GENUINELY CARING and supportive, therapy services were outstanding.
Bob & Ruth Woldt Dr. Dimitris was IMPRESSED with my progress after my knee surgery.
Ana Sadowski MY ACCOMMODATIONS WERE WONDERFUL. The facility is very contemporary and they even picked me up from the hospital.
I had been a patient in the past and I ENJOYED IT so much, that I returned after my surgery with Dr. Olson. I could not believe the staff remembered me.
Paul Shimek Dr. Jordan suggested Manitowoc Health and Rehabilitation Center for my recovery. I found the facility to be NEW, CLEAN AND MODERN. My stay at the facility exceeded my expectations.
Caring Above and Beyond
(920) 683-4100 | 2021 SOUTH ALVERNO ROAD | MANITOWOC, WI | WWW.MANITOWOCHRC.COM 50 plus! . April 2012 . 5
A Half-Century of
dedication Weber’s community efforts far-reaching
Dick Weber stuffs envelopes at his home to help raise money for Manitowoc County Habitat for Humanity, and also sends out flyers about saving aluminum can tabs for the organization. A few of Dick Weber’s awards on the wall at his home in Manitowoc. Photos by Sue Pischke/50 Plus By Tara Meissner | 50 Plus Correspondent MANITOWOC — Dick Weber carefully pages through newspaper clips, letters of recognition, awards and photographs chronicling more than 50 years of service to the community. This history is stored in a thick binder with file folders, loose pictures, and clippings stuffed in each of the side pockets. Weber has donated countless hours of his time to local organizations, including the Golden K Kiwanis Club, the Crime Prevention Committee, and Manitowoc TRIAD. “The more you stay involved, the healthier you stay. It makes you feel good,” Weber said. He initiated Manitowoc’s annual Citywide Church Open House, organized an annual recognition breakfast for the city’s adult school crossing guards, worked to get Operation KAN (Kids & Necessities) started in the community, and was instrumental in getting orange traffic cones and cell phones for the adult crossing guards. “Dick Weber works tirelessly to help out at the police department,”
6 . April 2012 . 50 plus!
The Dick Weber File 1969 Letter of Appreciation for work for youth sports programs from the WIAA Board of Directors A plaque from the Lincoln “M” Club for help, time, and effort for the Lincoln Sports and Music Departments
Recognized for his outstanding work in promoting youth sports programs in the community from the Green Bay Press Gazette Sports Department (Fox Valley)
Wisconsin Distinguished Service Award from the Athletic Directors of Wisconsin for work on behalf of youth sports programs
1983 Received the Lakeshore Hall of Fame Achievement Appreciation Award for years of service to the youth of Manitowoc 1987
This upscale, yet affordable, senior apartment community features underground parking, a wellappointed community room & balconies/patios. Conveniently located near shopping and restaurants. Call DEBBIE for a private tour: 901-RENT
A Certificate of Appreciation from the Lincoln High School Athletic Department for working track meets as a timer and judge for more than 25 years.
1997 Named Golden K Kiwanian of the Year 2000 Recipient of the George Hixon Fellowship Award, presented by Kiwanis International, for exceptional dedication to Kiwanis 2003
Recipient of the Manitowoc Crime Prevention Citizen of the Year award, presented by the Noon Rotary Club of Manitowoc
3400 Yorkshire Lane, Manitowoc
Recipient of the Clipper City Chordsmen “Award of Harmony” Citizen of the
Recipient of the Manitowoc Firefighters “Citizen of the Year” award presented by the Rotary Club of Manitowoc
2006 NFL Charities and the Green Bay Packers Foundation Award for volunteerism, dedication and commitment to improving the community 2006 Received a Plague of Special Recognition from the Wisconsin Department of Justice for a Lifetime of Distinguished Service and Philanthropy for Manitowoc 2007 Honorary Parade Marshal for the Manitowoc Holiday Parade 2009
Enshrined into the Lakeshore All Sports Hall of Fame
Manitowoc Police Department Crime Prevention Sergeant and D.A.R.E Coordinator Bruce Jacobs said. “He truly cares about the community.” Weber’s achievements in public safety include work on National Night Out and Crime Prevention Day. According to Jacobs, Weber spends hundreds of hours working on these projects each year. Weber borrows from another great Lakeshore volunteer, quoting Tom Drill’s common mantra: “To me, Manitowoc is a great place to live, but our job is to make it better.”
Slowing Down About a year ago, Weber, 78, slowed down. He is the primary caregiver for
his wife, Betty, who is on a dialysis regimen. He has stepped down from many publicity and promotion activities he has done in the past; the only project he stays involved with is collecting aluminum tabs as a fundraiser for Habitat for Humanity. “It’s been fun, exciting … I couldn’t do it without my wife; she’s my number one helper,” Weber said. “Now it’s my turn to help her.”
Ships and Sports Weber’s achievements binder is red, the color of the Lincoln High School Ships. The front cover is stamped with the school’s logo, the “M” and anchor emblem Weber helped design in the 1970s that still represents Ships pride in the community. A half-century of dedication continued on page 8
2003 Recipient of the Kiwanis International Wisconsin – Upper Michigan District “Lay Person of the Year” award
NO entrance or endowment fees: Appliances, heat, water, sewer all included.
Together We’re Going Places™
SU 2012 SPRING &
Pella Tulip Time Panama City Beach 3 Days | May 4-6 $499*
Holland Tulip Festival 3 Days | May 11-13 $539*
New York: Big City Sizzle 7 Days | June 18-24 $1,859*
6 Days | June 18-23 $949*
Williamsburg & Historic Niagara Falls & Triangle Toronto 8 Days | May 12-19 $1,579*
7 Days | June 25-July 1 $1,189*
Ohio Amish Black Hills & Backroads Wild Mustangs 5 Days | May 21-25 $829*
6 Days | July 14-19 $959*
*All Prices PER PERSON based on DOUBLE OCCUPANCY
MAKE YOUR RESERVATION TODAY! Together We’re Going Places
Free Travel Show
Wednesday, March 28th at 6:30pm Best Western Lakefront Hotel 101 Maritime Drive RSVP Required for Travel Show
Call: (800) 236-8687
50 plus! . April 2012 . 7
Crossword: PRIMETIME TV
1. *Usually second half of “Law & Order” 6. Nada 9. Do, re or mi 13. All plants and animals 14. Dental group 15. _____ of Honor 16. On the move 17. Scottish hero Rob 18. Egg-shaped object 19. *What survivors and losers have in common 21. Often considered wise
23. Makes feathers stick 24. “The ____ of Life,” movie 25. Pipe material 28. Forbidden 30. Crushed grain of various cereals 35. *What “CSI” does on CBS on Wed. nights 37. Original Cohiba producer 39. It’s delayed in summer 40. Christmas season 41. *In search of an apprentice 43. Italian money
44. Remote in manner 46. Attorney’s bargain 47. Disparaging remark 48. Praying insect 50. Not in favor of 52. Printing unit, pl. 53. Scoff 55. *They know drama? 57. *What Aguilera judges 59. *One show has 60 of these 63. Laughing predator 65. *Everybody used
A half-century of dedication continued from page 7
to love this actor 67. Visual or picture 68. Related to oats 69. Overnight lodging 70. Water wheel 71. “Odyssey,” e.g. 72. Approximated landing time 73. *He was the dad in “Family Ties”
1. Type of ski lift 2. “____ and shine!” 3. Tiny amount 4. Like Tower of Pisa 5. Cowboy’s rope catcher
6. “Not a” or “never a” 7. *Bachelor’s last words? 8. Extra shirt, e.g. 9. *Actress Campbell, formerly of “Party of Five” 10. Smell 11. Mai ___ 12. Old age, archaic 15. *Like the Pritchetts 20. Parcel of land 22. Drumstick 24. Shaped like a tube 25. *Flight’s glory days 26. Oscar nominee _____ Davis 27. Famous king of Thebes 29. Stomach reflex 31. Rembrandt’s medium 32. Nimble 33. Monotonous hum 34. *They salsa and rumba 36. One-armed bandit 38. Prayer’s end 42. Singer LaBelle 45. Fiji native 49. Part of a min. 51. The 9th in baseball, e.g. 54. Fear-inspiring 56. Cancer symptom 57. Obama’s right 58. Singles 59. Asian starling 60. Tropical edible root 61. Knight’s chest plate 62. Neptune’s domains 63. Gardening tool 64. High-pitched bark 66. Marching insect crossword solution on page 11
Weber’s largest mark on the community is perhaps the behind-the-scenes work he did for decades on behalf of high school and youth sports. He started out by helping with football broadcasts on WOMT radio with sportscaster Les Mangin in 1959, and eventually built a reputation as a master volunteer and fundraiser in support of local sports. His effort on behalf of the school and youth sports scene was recognized in 2009, when he was enshrined into the Lakeshore All Sports Hall of Fame, an organization he helped form in 1976.
National Recognition His heart is local, but Weber’s work has garnered national recognition. In that binder is a hand-signed, typewritten note dated Feb. 5, 1975 from Minnesota Sen. Hubert Humphrey. Other correspondence from the Capitol include appreciation and congratulatory notes from U.S. Sen. Herb Kohl, former Sen. Russ Feingold, former President George W. Bush, and President Barack Obama. State accolades come from former Gov. Jim Doyle, U.S. Rep Tom Petri and state Sen. Joe Liebham. The most recent addition to the mass of support and recognition is a certificate of appreciation from Gov. Scott Walker last fall. One particular certificate
“A Passion to Serve since 1974” RN’s • Therapists • Bath Service • Companions Hospice • Housekeepers • Money Minders
1004 Washington Street • Manitowoc
8 . April 2012 . 50 plus!
stops Weber and makes him smile. In 2004, he was recognized by the Green Bay Packers organization for his community service. “That was nothing but first class … there were about 20 forks,” Weber recollects of the appreciation dinner. Weber credits the membership of the Golden K Kiwanis for backing many of his projects and initiatives over the years. “The basic thing is if you can volunteer, do it. It keeps you healthy, keeps you occupied, keeps you busy,” Weber said. “You have to keep busy, especially after retirement.” Weber worked for General Beverage Sales Co., based in Oshkosh, selling beer and liquor, for 25 years. Weber talks modestly about his community accomplishments, but his pride comes through when discussing his family. He married his high school sweetheart, Betty, in 1954 and together they raised two children: Bob, who is now Dr. Robert Weber and practices family medicine near St. Paul, Minn.; and Linda Blandin, a homemaker in Indiana. He boasts five grandchildren and a 1-yearold great-grandson, Ari. Tara Meissner is a freelance writer in Manitowoc. She can be reached at 920-860-6957 or firstname.lastname@example.org
Transitioning into retirement continued from page 3
Loss of structure — Your job provides a certain structure to your life. You may also have work relationships that are important to you. Without something to fill the void, you may find yourself needing to address unmet emotional needs. Marital discord — If you’re married, consider whether your spouse is as ready as you are for you to retire. Many married couples find the first few years of retirement a period of rough transition. If you haven’t discussed your plans with your spouse, you should do so.
Working in Retirement Many individuals choose to work in retirement for both financial and non-financial reasons. The obvious advantage of working during retirement is that you’ll be earning money and relying less on your retirement savings. If you are thinking of working during your retirement, you’ll want to make sure that you understand how your continued employment will affect other aspects of your retirement.
For example: If you continue to work, will you have access to affordable health care through your employer? If so, this could be an incredibly valuable benefit. Will working in retirement allow you to delay receiving Social Security retirement benefits? If you’ll be receiving Social Security benefits while working, how will your work income affect the amount of Social Security benefits that you receive? Additional earnings can increase benefits in future years.
2 Great Locations Now For Comfortable Senior Living “We Care About Our Residents”
• Utilities included • On-site Resident Managers for your convenience & security
However, for years before you reach full retirement age, $1 in benefits will generally be withheld for every $2 you earn over the annual earnings limit ($13,560 in 2008). Special rules apply in the year that you reach full retirement age. Caution: Many people who count on working in retirement find that health problems or job loss prevents them from doing so. When making your retirement plans, it may be wise to consider a fallback plan in case everything doesn’t go as you expect.
TAKING Age 50 & Up
• Spacious one-bedroom apartments
Subsidized apartments for the hhee eel elderly lld deerly d
Village Green West
2602 Forest Ave., Two Rivers • 794.8713 WI-5001472030
can be disconcerting on a number of levels.
Village Green East
2401 Polk St., Two Rivers • 794.7961
Apartments available both locations
SPRING IS HEAR, ENJOY THE SOUNDS OF THE SEASON.
“COMPASSIONATE HEARING CARE FOR ABUNDANT LIFE”
2525 WASHINGTON STREET MANITOWOC (Triangle at Calumet, Washington and 26th streets)
Call TODAY for your FREE Hearing Test 50 plus! . April 2012 . 9
Would you like unbiased help to determine your Medicare Options? Let Medicare Solutions of WI help you cut through the confusion! If you are new to Medicare you probably have been receiving information from many different companies on your various Medicare Options; we can help you determine what is relevant for you
health column: Liposuction technology advances significantly
Question: We’re hearing a lot more about liposuction to treat those tough-to-get-rid-of bulges of fat and sagging skin areas. Where did it come from and why do some docs add laser with it?
We specialize in:
-Medicare Supplement Plans -Medicare Advantage Plans -Medicare Prescription Drug Plans -Major Medical Insurance We are local independent representatives who can analyze your personal situation and help develop an individualized plan that would meet your needs
For your free consultation call:
Medicare Solutions of WI, LLC
Ashley Horst- Rodney Eissens- Dennis Haasl 815 S Taylor Dr. Sheboygan, WI 53081 Phone: 920-395-2550 Website: www.medicaresolutionsofwi.com
Initial Rate Guaranteed for First Five Years ($20,000 minimum premium)
*Initial interest rate is subject to change without notice. Five-year rate is determined at the time the policy is issued.
The ADVANTAGE 50 annuity is a competitive, single payment deferred annuity offering stability and growth. Contact me for free information on the advantages of this excellent product.
Our rate will never go below
With modernday liposuction, a surgeon inserts a hollow wand-like device called a cannula through tiny, 1/8-inch, incisions in the skin. He/she then pushes and pulls the cannula around and through fatty deposits, breaking up the cells, which, along with other body fluids, are suctioned out by an attached vacuuming device. Most liposuction procedures nowadays have advanced dramatically and have changed into a minor officebased, minimally invasive procedure. Liposuction was first introduced in the United States in the early 1980s; previously the surgeon’s only available tool to remove fat and excess skin was the scalpel. Most liposuction surgeons chose to use the 980-wavelength laser energy since it specifically targets fat cells, causing cell breakdown, while the released laser heat energy triggers the body’s regenerative system to tighten the overlying skin. Many of our excess fat storage areas can be safely reduced with laser-assisted liposuction, including those of the upper and lower abdomen, the “love handles,” the chin and neck areas, the inner and outer thighs, the underarms and chest region, and even the hips and knees. Classic liposuction, without laser, is required when the live fat cells are desired after the suctioning process to transfer them into sites to improve volume problems in the face, hands and buttocks.
(minimum guaranteed renewal interest rate)
HOME OFFICE – MADISON, WI 53719 www.nmblife.org
10 . April 2012 . 50 plus!
Policy Form 3011
Rodney Eissens Dennis Haasl reissens@ﬁnancialguide.com dhaasl@ﬁnancialguide.com 920-395-2550 815 S. Taylor Dr. Sheboygan, WI 53081
Dr Nolan Hetz is a board certified gynecological surgeon and is a certified aesthetic consultant at Youthful Endeavors MedSpa in Manitowoc. In 1974, father and son gynecologists, Dr. Giorgio Fischer and Dr. Giorgio Fischer Jr., from Rome, invented the liposuction procedure, a way to cut out fat from within by using a rotating scalpel, which was placed through a tiny skin incision. Gynecologists here in the U.S. led the way in the 1970s with minimally invasive outpatient surgery technology when they introduced to the world laparoscopy surgery. Gynecologists were also one of the first surgical specialties, even before most plastic surgeons, to use laser technology inside and outside the human body to treat disease. In 1978, Dr. Illouz, a French plastic surgeon, first used liposuction as a pure cosmetic tool. In 1985, Dr. Jeffrey Klein and Dr. Patrick Lillis, both dermatologists, invented “tumescent” anesthesia. Instead of using the more risky and aggressive liposuction performed under general aesthesia, Dr. Klein’s tumescence technique involves the gentle infusion of a lidocaine solution into the area to be treated, which provides a local anesthetic similar in its numbing effects to novacaine. This solution also contains sterile salt water and minute amounts of epinephrine, a drug that constricts blood vessels that significantly reduces the amount of oozing of blood during liposuction. When the laser is used before suctioning out the fat, the risk and the amount of bleeding plummets.
Come S our Ne ee wly Remod eled Lobby
Spacious m 1-Bedroo ts n e m t r Apa Available
Those 55 & older or for adults with disabilities
• Rent is 30% of adjusted gross income • All utilities included • On-site laundry facilities • Off-street parking • Mon Monthly Activity Schedule
• Hot noon meals available e • Affordable DirecTV package age available • ON BUS ROUTE (Bus stop at front door) • Near grocery store, restaurant, medical park medi me dica call cclinics lilini nics cs & p arkk ar
MANITOU MANOR APARTMENTS
Skilled Nursing & Rehabilitation Redeﬁned
1433 No. 6th Street Manitowoc • 684-5865 http://manitoumanor.weebly.com
We are located in a beautiful serene wooded setting near downtown Two Rivers
Hamilton Care Center offers:
Private and Semi-private rooms Inpatient Inp and Outpatient Physical, Occupational, and Speech Therapy. Our therapists are trained in Lymphedema Therapy, Continence Ou Treatment, Orthopedics and Neurological Treatment, including Tre neuropathy. neu Licensed qualiﬁed social service professionals. Lice Activities geared toward all levels of function. Act Car Caring, ring, com compassionate mpasssi sion o ate staff eage on eager er to meet your nneeds. eeds.
Y hhometown choice Your h i ffor N Nursing i and Rehabilitation Services!
1 Hamilton Drive | Two Rivers | Wisconsin 54241
Come see the care provide we can provide. Schedule your tour today!
1-920-793-2261 50 plus! . April 2012 . 11
CommunityDedication This year, as Shady Lane, Inc. celebrates sixty one years of quality care, we reflect on the dedication of our board, our staff, our donors, our residents and our community – all those we have served through quality, affordable care.
Find out why people...
Think of Us First for comfort of skilled care Designed for living with beautifully decorated and lovely gardens, Shady Lane offers skilled nursing care for short or long-term care, therapy services, social services and hospice care. Medicare and Medicaid Certified.
for planning to get better . . . Recovering after an illness, joint replacement or surgery is a team effort. In fact, it could be called "Team You"! We offer physical, occupational and speech therapy, respiratory services, pain management and neurological, orthopedic and cardiac rehabilitation. Medicare and Medicaid Certified and some private insurances. In-patient or Out-patient Services.
for the joys of home without the work From two bedroom apartments to single bedrooms with private bathrooms, Laurel Grove offers a variety of assisted living options to meet your needs. Enjoy the gardens, optional activities and care-free living. Starting at just $1,300 a month including meals!
Now Open! HFM Clinic at Shady Lane Manitowoc’s only not-for-profit citizen directed care facility. 1235 South 24th Street • Manitowoc, WI • www.shadylaneinc.com • 920-682-8254 WI-5001471672
12 . April 2012 . 50 plus!