NEWS FOR BOOMERS AND BEYOND
JULY 2014
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With passion and dedication Bev Gudex supports those who deal with mental illness
INSIDE: E-waste • Timing Your Retirement • Open Road • Frauds & Scams • Cats & Noises • and more!
Simple ways to recycle high-tech devices, batteries By Brandpoint Media
R
educe, reuse, recycle — it’s a mantra we’ve known for decades. While Americans understand the benefits of recycling bottles, cans and paper, they aren’t as savvy when it comes to recycling electronics. Between cell phones, tablets, computers and other consumer electronic devices, the average U.S. house has 24 electronic devices — making for a lot of e-waste when that technology becomes dated. Here are three big e-waste offenders — cell phones, batteries and computers — and how each can be properly recycled. CELL PHONES AND MOBILE DEVICES You probably have a few sitting in a drawer at your house — cell phones you no longer use but aren’t really sure what to do with. According to Bamboo Mobile, it is expected that there will be roughly 396 million idle or inactive mobile devices in the U.S. by the end of 2014, and of those, only about 80 million will be recycled. Recycling small electronic devices is easier than ever, and you might even get some money
in the process. Just find the nearest ecoATM at a mall or retailer nearby. If you don’t have an ecoATM near you, most cellphone providers offer recycling programs within stores. While you won’t earn cash, you’ll still have the opportunity to properly recycle your mobile devices and keep toxic materials out of the waste stream. Keep in mind, for every million cell phones recycled, 35 thousand pounds of copper, 772 pounds of silver, 75 pounds of gold and 33 pounds of palladium can be recovered, according to the U.S. Environmental Protection Agency (EPA). BATTERIES From your electric toothbrush to your TV remote or your children’s animated toys each day your family uses a lot of batteries. In fact, every year Americans throw out almost 180,000 tons of batteries, according to Earth911, and the majority of these are the single-use type (not rechargeable). Dry-cell batteries are used in most consumer electronics, and these include alkaline and carbon zinc batteries (including some D, C, AA, AAA and 9-volt) and lithium batteries (including some 9-volt, C, AA and rechargeables). Another type to be aware of are wet-cell batteries that are found in cars, boats and motorcycles. Both dry and wet-cell batteries must be properly recycled. Recycling all types of batteries help to prevent pollution and reuse valuable metals. Start by checking with your local government or recycling center to learn how to properly dispose of batteries. Automotive stores will often collect and recycle wet-cell batteries. For dry-cell batteries, many municipalities offer boxes in city halls, libraries and community centers where batteries can be placed for recycling. Additionally, consumer
While it may be tempting to put electronic devices and batteries in the trash, it’s critical to understand how to properly dispose of and recycle electronics because each contains contaminants that are harmful to the environment.
2 | EXPERIENCE
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electronics stores often have recycling kiosks available to consumers. COMPUTERS AND LAPTOPS Computers are part of most people’s daily lives, but when it comes time to upgrade, don’t put your legacy electronics in the trash. Recycling one million laptops saves the energy equivalent to the electricity used by more than 3,500 U.S. homes in a year, according to the EPA. For old laptops and computers, research donation possibilities in your area. While the technology might be dated for your purposes, it could still be put to good use at a
local school, library or retirement center. If there isn’t a place where your computer can find a second life, recycle it through a reputable organization. Start by researching your computer manufacturer’s recycling programs. From simple recycling drop-off programs to mail-in recycling options, most manufacturers make it easy to reduce e-waste. In addition, most counties offer waste drop-off sites where you can bring your computer — as well as any other electronics — to be properly disposed of and recycled. Call your city or county to learn about available options. âœŚ
EXPERIENCE is published by Gannett Wisconsin Custom Publishing. Contents of the section are for Action Reporter Media. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by means, electronic, mechanical, photocopying, recording or otherwise, without prior consent of Gannett Wisconsin Custom Publishing. For information, contact Karen Befus at 920-426-6701 or kbefus@gannett.com. EDITOR / KATIE LARSON
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EXPERIENCE | 3
July Calendar Compiled by the Fond du Lac Area Convention & Visitors Bureau. For detailed information visit www.fdl.com or call (920) 923-3010. 1 • Buttermilk Festival: Wisconsin national Guard 132nd army Band – Buttermilk Creek Park, 700 S. Park Ave., 7:15 p.m. 1, 8, 15, 22, 29 • Fond du lac senior dininG Group – Tuesdays, 5:30 p.m. at selected restaurants. Ages 55 and older. Call Max at (920) 296-1921. » July 1 – Blanck’s Lake Aire Supper Club, N8751 Lake Shore Dr., FDL. » July 8 – Paddy’s Pizza Pub ’N Restaurant, 302 W. Main St., Eden. » July 15 – Applebee’s, 841 W. Johnson St., FDL. » July 22 – Gino’s, 594 W. Johnson St., FDL. » July 29 – Benvenuto’s, 625 Rolling Meadows Dr., FDL. 2-5 • celeBrate Waupun – Tanner Park, 501 E. Spring St. Free 4-day festival featuring two music stages, fireworks show, carnival rides, sculpture tour and more. 3 • Journey into darkness niGht hike – Kettle Moraine State Forest to Northern Unit, N1765 Hwy. G Campbellsport, 8:30-10 p.m., Zillmer Trails Area. Explore the dark world using all your senses. Bring bug spray and sense of adventure. This night hike is best for families/groups with children at least 5 year old. 3, 10, 17, 24, 31 • thursday niGht dance lessons – Eagles Club, 515 N. Park Ave., 7 to 9 p.m., $10. Beginner ballroom, Latin, swing and salsa dance lessons at 7 p.m. and intermediate at 8 p.m. Dance style changes monthly. $10 per person. No partner needed. 3 – 10 – 17 – 24 – 31 • BeGinner dance lessons – Eagles Club, 515 N. Park Ave., 7 p.m., $10. No dance experience or pre-registration required. No partner necessary. Followed by an Intermediate lesson
at 8 p.m. Spectators welcome at no charge. Learn the Waltz, Tango, Cha Cha, Rumba and more. 4 • symphonic Band americana concert and FireWorks – Lakeside Park, 555 N. Park Ave., 7:30 p.m. Americana Concert in the historic Joseph Schmitz Bandstand features music by American composers, patriotic favorites and stirring American marches. Fireworks following the concert. 5 • Wisconsin Wolves – Henry S. Reuss Ice Age Visitor Center, N2875 State Hwy. 67 Campbellsport, 7 to 8 p.m. Wisconsin has been a historic home for gray wolves. Come delve into the amazing lives these incredible animals lead. Learn how they are recovering after being extirpated from the state and what the next steps are in sustaining a healthy population in the Great Lakes region. Program appropriate for ages 8 and older. 7 • music under the stars: triBute to the ron harvey orchestra – Buttermilk Creek Park, 700 S. Park Ave., 7 to 8:30 p.m. Big Band music tribute. 7, 14, 21, 28 • monday niGht dance lessons – Fond du Lac Senior Center, 151 E. First St., 7 to 9 p.m., $10 per person. Beginner dance lessons every Monday night. No partner or experience needed. Intermediate lessons at 8 p.m. Learn ballroom, Latin, swing and salsa. Call (920) 979-3434. 9 • Buttermilk Festival to symphonic Band Family niGht concert – Buttermilk Creek Park, 700 S. Park Ave., 7:15 p.m. Music for kids of all ages, face painting, kids’ conducting contest, Teddy Bear parade. Selected 8th grade band
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students will perform on a march with the band. 10, 17, 24, 31 • noon orGan recital series – Church of Our Saviour to Lutheran ELCA, 363 S. Main St., 12:15 to 12:45. Organists include: July 10, Sandy Albano; July 17, John Penkoske; July 24, Pam Lane and Pat Siekierke; and July 31, Ken Hill. 10, 17, 24, 31 • concerts in dodGe park – 124 E. Lincoln St. Waupun, 5:30-9 p.m. Enjoy a picnic in the park and great music Thursdays in July. Food and beverages starting at 5:30 p.m., music at 6:30 p.m. 12 • horses and hoGs allamerican Ford and harley shoW – Open Road Harley-Davidson, 24 S. Rolling Meadows Dr., 9 a.m.-3 p.m. Family-friendly event with Mustang and Harley corrals, food
and refreshments, live music, meet and greet with local celebrities and more. 12 • sideWalk sale – Downtown Fond du Lac, 130 S. Main St., 8 a.m.-noon. To better accommodate shoppers and businesses, First and Second Streets will remain open for cross traffic. Courtesy golf cart rides provided to assist people with transporting purchases. Live music, games and activities for the kids. 12 • WinGed Wonders – Horicon Marsh International Education Center, N7725 Hwy. 28, Horicon, 1-4 p.m. Learn about native pollinators. 12-13 • summer doG aGility trial – FDL County Kennel Club, N5480 Deneveu Ln., 8 a.m.-3 p.m. Food and refreshments available. Cheer on your favorite breed.
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13 • Fou art Stro insp Agn Gard to an item W39 14 • Fou S. Pa stan 16 • the trail Fond walk and of th Wes 16-2 – Fo 601 conc inclu 18 • con Expo Perf conc 18 • – Do S. M of pa tour 19 • – Ho Cent to 11 Scie nigh 19 • Mor Unit 7 to the u rem requ Mee 21 • driv Park 23 • sym staG 700 Fire Germ
followed by the Symphonic Band’s Musical State concert, featuring music from Broadway, movies, the operatic stage and more. 26 • suMMer sAturdAy evening event – Henry S. Reuss Ice Age Visitor Center, N2875 State Hwy. 67 Campbellsport, 7-8:30 p.m. Presenter Bill Volkert shares how the geography of the Kettle Moraine State Forest is important to birds and the best places to observe the birds of the Northern Unit area. 26 • PrAirie Fest – Gottfried Prairie and Arboretum, 400 University Dr., 10 a.m.-3 p.m. Experience the the prairie at the peak of the summer bloom. Nature-related presentations, children’s activities, outdoor exhibits, tours, artists and vendors. 27 • CAr-A-FundA CHArity CAr sHoW – Lakeside Park, 555 N. Park Ave., 8-4 p.m., $2. No entry fee for show cars. All show vehicles welcome. Food, refreshments, raffles. Oldies music during the show. Fondy Vintage Auto Club.
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a spectacular view over Lake Winnebago. Wear good walking shoes, bring insect repellant and binoculars. 30 • butterMilk FestivAl: neW Century dAnCe orCHestrA – Buttermilk Creek Park, 700 S. Park Ave., 7:15 p.m. The New Century Dance Orchestra recreates the jazzy dance band sounds from the roaring ’20s into the swing style of the ’30s.
Gardening skills taught Children’s Museum of Fond du Lac visitors learn about “Three Sisters” gardens that are comprised of corn, beans, and squash, with special instruction from Dolores Mick, right, of the Fond du Lac County Master Gardeners. Youth are invited to enjoy the WinnePLAYgo Garden Club, sponsored by Agnesian HealthCare, every Tuesday throughout the summer. This program is included with admission, and allows families to help grow and care for a wide variety of plants and vegetables. SUBMITTED PHOTO
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28 • MusiC under tHe stArs: evergreen by request – Buttermilk Creek Park, 700 S. Park Ave., 7 to 8:30 p.m. Vicki Belleville and Casey Carney perform music from ’50s – ’80s, standards and country. 30 • Audubon evening WAlk – Kiekhaefer Park, W4235 Kiekhaefer Pkwy., 6:30 p.m. Explore trails on the Niagara Escarpment with
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13 • AgnesiAn HeAltHCAre FoundAtion gArden WAlk And Art FAir – 10 a.m. to 5 p.m., $15 Stroll through six beautiful and inspiring gardens on the 12th annual Agnesian HealthCare Foundation Garden Walk. Guests are invited to an exciting Art Fair with unique items from talented area artists at W3950 Hwy. 23, Fond du Lac. 14 • MusiC under tHe stArs: PAge Four – Buttermilk Creek Park, 700 S. Park Ave., 7 to 8:30 p.m. Pops and standards from across the years. 16 • Audubon evening WAlk At tHe greenWAy – 6:30 p.m. Explore trails along the east branch of the Fond du Lac River. Wear good walking shoes, bring insect repellant and binoculars. Meet at the west side of the parking lot at Pick ’n Save, 55 West Pioneer Rd. 16-20 • Fond du lAC County FAir – Fond du Lac County Fairgrounds, 601 Martin Ave. Exhibits, carnival, concessions. Grandstand shows included with general admission. 18 • Fond du lAC WoMen’s CHorus ConCert – FDL County Fairgrounds Expo Center, 601 Martin Ave., 3 p.m. Performing excerpts from their spring concert, “Singing Down Broadway.” 18 • tour tHe toWn Art WAlk – Downtown Fond du Lac, 130 S. Main St., 5 to 8 p.m. For a list of participating venues, visit tourthetownfdl.com. 19 • stAr gAzing At tHe MArsH – Horicon Marsh Int’l Education Center, N7725 Hwy. 28 Horicon, 5 to 11 p.m. Join the Northern Cross Science Foundation as they view the night sky through telescopes. 19 • snAkes oF WisConsin – Kettle Moraine State Forest to Northern Unit, N1765 Hwy. G Campbellsport, 7 to 8:30 p.m. Come to know the unique adaptations of these remarkable reptiles and what habitat requirements they need to survive. Meet a few live snakes! 21 • MusiC under tHe stArs: Midnite drive – Buttermilk Creek Park, 700 S. Park Ave., 7 p.m. Classic rock. 23 • butterMilk FestivAl to syMPHoniC bAnd “tHe MusiCAl stAge” – Buttermilk Creek Park, 700 S. Park Ave., 6 p.m. The 30-piece Fire Brigade Band from Kropp, Germany will open the evening,
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EXPERIENCE | 5
finance
Taking the plunge into retirement By Karyl Richson, Social Security public affairs specialist
S
aturday, July 26, is All or Nothing Day — dedicated to the idea of making decisions — and plunging in. All or Nothing Day is a great day to think about your retirement — whether it’s right in front of you or looming on the horizon. When is the right time for you to retire? There is no one-size-fits-all answer. Social Security offers a list of factors to consider in the publication, “When to Start Receiving Retirement Benefits,” available at socialsecurity.gov/pubs. If you’re a young or middle-aged worker, you still have time to ponder that decision. But don’t wait to begin saving for your retirement. Start saving now and go in all the way. The more you save, the more comfortable your retirement can be. And remember, Social Security retirement benefits were not intended to be your sole source of retirement income and planning early will make for a comfortable retirement. Social Security provides two top-rated online tools to help you plan for your retirement. First is the Retirement Estimator, which gives you immediate and personalized retirement benefit estimates. The Retirement Estimator is convenient and secure, and lets you create “what if” scenarios. For instance, you can change your “stop work” dates or expected future earnings to create and compare different retirement options. If you have a few minutes, you have time to check it out at socialsecurity.gov/estimator. Another great tool is your own my Social Security account. Here you can get instant estimates of your future benefits and verify that your earnings history is correct with your own, free my Social Security account. Visit socialsecurity. gov/myaccount and join the millions of people who have already created their accounts to help plan for retirement. You can get Social Security retirement benefits as early as age 62, but if you retire before your full retirement age (currently age 66, but gradually increasing to age 67), your benefits will be reduced, based on your age. If you retire at age 62, your benefit would be about 25 percent lower than what it would be if you waited until you reach full retirement age. Find out your full retirement age by using our Retirement Age Calculator at socialsecurity.gov/pubs/ageincrease. htm. You may choose to keep working even beyond your full retirement age. If you do, you can increase your future Social Security benefits — up until age 70. There is one more way that choosing to keep working can increase your benefits. If you
6 | EXPERIENCE
receive benefits, and if your latest year of earnings turns out to be one of your highest years, we refigure your benefit and pay you any increase due. For example, in December 2014, you should get an increase for your 2013 earnings if those earnings raised your benefit. The increase would be retroactive to January 2014. Applying for Social Security retirement doesn’t have to be an “all or nothing” decision. Whether you want to retire at age 62, your full retirement age, or even later, you can apply when you feel like it. When you’re ready to take that plunge, you can apply online at socialsecurity.gov.
Social Security Cards By Karyl Richson, Social Security public affairs specialist To help combat the rising threat of fraud and identity theft, Social Security will no longer issue Social Security number printouts beginning in August 2014. If you need written confirmation of your Social Security number — perhaps your new employer needs verification — and you can’t find your Social Security card, you can apply for a replacement. But do you really need a replacement? In most cases, you don’t need your card as long as you know your number. For all intents and purposes, your number is your card. Usually providing your number and identifying information is enough. In the event you really do want or need a replacement card, either for yourself or for a child, you can find all of the details you need at socialsecurity.gov/ssnumber. The “Social Security Number and Card” page provides information on how to obtain a replacement card and what specific documents you need to provide.
service benefits? In most cases, an application for your newborn’s Social Security card and number is taken in the hospital when you apply for your baby’s birth certificate. If not, you can request one for your child the same way you do for yourself. Whether you need a Social Security card for yourself or your child, it’s easy — and free — to apply for one. But consider whether a new Social Security card is really in the cards for you. It may be that your “card” is already with you — in your head.
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ACTION PUBLICATIONS | JULY 2014
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New Powerball scam making the rounds Wisconsin Department of Agriculture, Trade, and Consumer Protection
A
unique phone scam is targeting Wisconsin consumers with callers telling them that they are eligible for unclaimed Powerball prizes and asking them to pick some numbers. Later, the callers contact the consumers again claiming they won a third or fourth prize for millions of dollars and an automobile. A phony promise of prize winnings is a common scam. What sets these calls apart from traditional scams however is that these scammers are not asking for money to cover taxes or fees on the fictional prizes or for personallyidentifying information like Social Security numbers. Rather, they seem to be casing the consumers for future scams, asking them general financial questions about their investments and the values of their homes. The Wisconsin Department of Revenue (DOR) runs the state’s lottery. DOR is aware of these calls and notes that the only time you would receive a call from the lottery is if you have entered and won a lottery mail-in drawing. Wisconsin residents have contacted the Consumer Information Hotline at the
Wisconsin Department of Agriculture, Trade, and Consumer Protection looking for help in verifying the legitimacy of these calls. Because these Powerball calls have not included the usual scam red flags such as requests for money, sensitive personal data or bank or credit account numbers, it has been a challenge for the hotline staff to persuade consumers that the calls are fraudulent. Even if the caller does not ask for personally-identifying information, they are still gathering data that allows them to build a profile for future scams. If a consumer freely answers the scammer’s questions, that scammer now has a sense that the consumer will be an easy target for future scams. These profiles are valuable for scammers and may be sold and shared among these criminals.
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EXPERIENCE | 7
cover story
NAMI support
Story by Lois A. Pflum I Photos by Patrick F
F
ond du Lac resident, Bev Gudex, 61, a passion and dedication for what does best — and that’s working with supporting those who have some kind of me illness. Gudex was born in Campbellsport and g up on a farm there. After graduating fr Campbellsport High School in 1971, she atten the University of Wisconsin-Madison where graduated in 1975, with a Bachelors of Scie degree in Social Work. Gudex’s education reached its peak w she received a Master’s degree in Social W from the University of Wisconsin-Milwauke 1989. For many years, Gudex's career consis of working in medical settings in Fond du L Waupun and Sheboygan. In 1992, Gudex took another major step, opened Adult Care Consultants, Inc., here Fond du Lac. Her business expanded into ar of mental health. She is, and has been a str advocate on mental illness since then, wh piqued her interest in NAMI. NAMI (National Alliance on Mental Health) national organization. NAMI is a grassroots, n profit organization, with a mission to impr the quality of life for those who are affected mental illness through education, support advocacy. Gudex feels there is much more awaren of mental illness today, and is not the stigm bygone years. Over five million people of all a and income levels in the United States su from serious, chronic mental illness. It is notable that these illnesses greatly af family members and friends, and mental illn is treatable, just like any other illness. Gu emphasized, “Our main objective is educat support and advocacy.”
Bev Gudex 8 | EXPERIENCE
It was different community members coming together to make Friendship Center a realistic entity.” — Bev Gudex
JULY 2014 | ACTIO
ter is a strong advocate of mental illness awareness
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Tika Bott of Fond du Lac uses one of the computers at the Friendship in Fond du Lac.
According to Gudex, it was in the mid ’90s that the NAMI chapter of Fond du Lac was revitalized, and it was about 10 years before the drop-in center became a reality. In 2006, the building at 27 Third St. became known as Friendship Corner. She commented, “It was different community members coming together to make Friendship Center a realistic entity.” She gives tremendous credit to Holy Family Catholic Church, especially parishioner Jack Braun, for making this happen in our community. In a recent month, there were 587 recorded visits at the drop-in center. NAMI Fond du Lac and Friendship Center are located at 27 Third St. and is open every day from 10 a.m. to 4 p.m. Locally NAMI works with the Department of Community Programs and other agencies. The drop-in center is just that. Every day Friendship Center has a different responsible volunteer that opens and closes the building at the end of the day. Anybody over the age of 18 years and older may drop in for however long they wish to just “hang out,” visit, work on a craft or art project, or may attend other structured activities such as a resume workshop, creative expressions, choices in recovery, or a spiritual group. Dropins can do this in a safe, non-threatening, nonjudgmental, relaxing environment. Tony Sabel has been the NAMI coordinator for the past two years. Gudex commented, “He is really helpful.” NAMI is governed by a volunteer board of directors which include Dale Hans, president; Sheryl Grimm, vice-president; Laura
ON PUBLICATIONS
Rau, secretary; and Bev Gudex, treasurer, along with nine other community members. Friendship Corner-NAMI Family Support group meets monthly and is facilitated by NAMI volunteer affiliates, free of charge, in a safe and confidential setting. This group is offered by family members who have someone in their lives living with mental health challenges. Other volunteers including Anne Henry, Laura Rau and Irene Hans facilitate various educational programs to parents and other caregivers for children and adolescents living with mental illness. In Our Own Voices (IOOV) is another segment of NAMI. This is a free presentation by people living with mental illness and overcoming the challenges posed by mental illness. Someone from IOOV can speak to community or civic organizations, including health care providers, law enforcement professionals, faith communities, consumer groups, human resource departments, and students. Fundraisers, such as the recent annual raffle help to support NAMI and Friendship Corner. NAMI is very appreciative of the many generous donations from community members that help to make this a success. Other times, brat and bake
sales help the cause. An additional fundraiser will be the 5K Walk in September, in conjunction with Horicon Bank. Memorials given in honor/memory of loved ones are also accepted and appreciated. Another very important event that will be coming back to Fond du Lac Sept. 2 is the NAMI Family to Family. It is a free 12-week education program for families, close relatives, and friends of individuals with serious mental illness. Taught by trained NAMI family members, the course provides caregivers with vital information about specific mental illnesses and their treatments, communication and problem-solving techniques, coping mechanisms, and the self-skills needed to deal with loved ones mental illness, as well as its impact on the family. Call (920) 979-0512 to register.
For more information call (920) 921-7723 or email nami.fdl.fc@gmail.com.
Bev Gudex talks With J.K. Stirrup at the Friendship Corner in Fond du Lac.
EXPERIENCE | 9
❚ LIFE ❚ LOVE ❚ LOSS ❚ LEGACY
FUNERAL & ESTATE PLANNING By Statepoint Media
Finding peace of mind for retirement By Brandpoint Media
E
veryone’s vision for retirement is different — for some it involves trips across the globe, while for others it means relocating to a new city or picking up a new hobby. Regardless of what your retirement goals might be, preparing to achieve them financially should include a plan that anticipates both the expected and unexpected events and expenses that may arise before or after leaving the workforce. Planning for retirement is challenging — only 46 percent of Americans feel certain that they will be able to afford the essential expenses after retirement, according to a survey by Ameriprise Financial. Breaking retirement planning down into simple steps, as shown in the new Confident Retirement® approach recently introduced by Ameriprise Financial, can be an easy way for those nearing — or in — retirement to begin planning. The approach takes into account the following four fundamental areas. COVERING ESSENTIALS The foundation of any retirement strategy, essential expenses, includes ongoing necessities
such as food, housing, taxes and some medical expenses. Economic conditions may always be a little uncertain and as a result, your goal should be to fund essential expenses with sources of guaranteed or stable income (e.g. social security or a defined benefit plan, among other options). ENSURING YOUR LIFESTYLE In addition to covering the essentials, many people have lifestyle goals they want to pursue such as travelling, or learning a new skill or hobby. Developing a strategy that can help cover the expenses that come with these goals can help you feel more confident about achieving them. PREPARING FOR THE UNEXPECTED Unanticipated events such as a catastrophic medical event or chronic illness, supporting a family member and loss of a spouse can have a devastating impact on retirement plans and goals. Developing a plan to cover the unexpected can help you navigate these bumps on the way to your financial goals. LEAVING A LEGACY After accounting for essential and
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10 | EXPERIENCE
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anticipated lifestyle expenses, and preparing for potential unexpected expenses, create a legacy plan for any of your remaining assets. Having a plan in place for your loved ones and the causes that are important to you is a key part of planning for the future and will give you control of your assets in your golden years. It is important to recognize the possibility that as you age, your physical and mental health could decline. To help ensure that your assets are used according to your wishes, consider working with an attorney who can advise on, and prepare legal documents such as a health care directive and power of attorney. Also make sure your beneficiary designations are up to date and that you begin putting an estate plan in place. The Confident Retirement approach uses the four principles outlined above as a framework to help advisors work with their clients toward their retirement goals. It’s never too early — or too late — to start preparing for retirement. Consider working with a financial professional to define and work toward your unique retirement goals. For more information, visit Ameriprise.com.
WI-5001806373
ACTION PUBLICATIONS | JULY 2014
safety
Avoid home repair fraud
5-STAR FACILITY
E
very year, billions of dollars are lost to fraudulent activities. Unfortunately, scammers and con artists often target senior citizens. Phony home repair contractors victimize too many homeowners. A typical scenario involves an uninvited door-to-door solicitation from a contractor claiming to have a special price on roofing, siding, windows, asphalt, etc. Many times, they will claim to have products left over from a previous job nearby. Of course, the price is only good “right now” and the contractor will need all or most of the money paid up front. Some of these phony contractors work alone and others travel together in roaming groups or teams. Once they get your money they usually disappear having done little or none of the promised work, and the work that is done is usually of poor quality. There are some easy things you can do to protect yourself from this type of home repair fraud: ● Never allow an uninvited contractor into your home to look around or make an inspection. ● Never get pressured into making an immediate decision whether to hire a contractor to do any work on your home. ● Before you spend any significant amount of money on home repairs, obtain bids from at least three different contractors. ● Before you select a final contractor, check his complaint and business history with the Better Business Bureau. ● Demand that your final selection sign a written contract that spells out when the work will be started, the quality and type of all materials to be used, and when the work will be completed. ● Insist on making partial payments under the contract as specific work is completed to your satisfaction. If a phony home repair contractor has victimized you, contact your local police department.
✔ Private Rooms/ Big Screen TVs ✔ Excellent Food ✔ Outcome-Focused Rehab ✔ Beautiful Interfaith Chapel Use your Medicare days at the facility that provides OUTCOME-FOCUSED CARE WITH EMPHASIS ON RETURN TO HOME
WI-5001806386
Fond du Lac County Senior Dining Menu
Fond du Lac Credit Union
Look for Experience delivered monthly inside your Action Sunday and Action Sunday West newspaper! Limited distribution sites will also continue to carry copies. JULY 2014 | ACTION PUBLICATIONS
sailboat membership owner beach
directors mortgage boating family
e l c g m i a g b d a u n i m a e l
e a o q n u e t n c t e l b o t n c
t n u l o v d x a t i o n n o k o u t t s b v i m x d o e r u k c r i i o t e t l h g v i g n e a d l a n i x m i g a s w c b e e o y o i u i n g t r t r y s n i l e g k m o u r m e o e t q n e r i r e e k n w i o n r g t f r e n w o r s y c r o t o m
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cookout volunteer hamburger vacation
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JULY 1 Swiss Steak, Mashed Potatoes, Peas and Carrots, Choc. Banana Torte, Peach Slices, Dinner Roll JULY 2 Lasagna Casserole, Italian Blend, Vegetables, Cinnamon Roll, Applesauce, French Bread JULY 3 Bratwurst on a Bun, German Pot. Salad, Corn, Birthday Cake, Watermelon Slice JULY 4 Closed - Independence Day JULY 7 Chicken Breast, Mashed Potatoes, Baby Carrots, Fruited Gelatin, Cookie, Sliced Bread JULY 8 Meatloaf, Baked Potato, Summer Blend Veg., Peanut Butter Cookie, Honeydew Melon, Dinner Roll JULY 9 Ham Rolls, Squash, Health Slaw, Pineapple Tidbits, Frosted Cake, Sliced Bread JULY 10 Swedish Meatballs, Mashed Potatoes, Green Beans, Fudge Brownie, Fruit Cocktail, Dinner Roll
JULY 11 Salmon Loaf, Escalloped Potatoes, Peas/ Pearl Onions, Petite Banana, Raspberry Sherbet, Sliced Bread JULY 14 Cranberry Glazed Pork Cutlet, Baby Red Potatoes, Mixed Vegetables, Sugar Cookie, Applesauce, Sliced Bread JULY 15 Baked Chicken, Twice Bk Style Pot., Copper Penny Salad, Pear Slices, Vanilla Pudding, Dinner Roll JULY 16 Beef Stroganoff Casserole, Spinach Salad with Hot Bacon Dressing, Cantaloupe Slice, Frosted Cake, Sliced Bread JULY 17 Chicken Cacciatore, Baked Potato, Creamy Cucumber, Salad, Chocolate Pudding, Seedless Grapes, Dinner Roll JULY 18 Country Fried Steak, Mashed Potatoes, Corn, Peach Slices, Ice Cream Cup, Sliced Bread JULY 21 Ring Bologna, Baby Red Potatoes, Wax Beans, Carrot Cake with Cr. Cheese Frosting, Apple, Sliced Bread
JULY 22 Roast Turkey, Mashed Potatoes, Peas and Carrots, Cranberry Gelatin, Fudge Brownie, Dinner Roll JULY 23 Meatballs in Honey Mustard Sauce, Sour Cream and Chive Potatoes, Calif. Blend Veg., Ambrosia Dessert, Plum Halves, Sliced Bread JULY 24 Chopped Steak in Burg/Mush Sauce, Mashed Potatoes, Tossed Salad, Watermelon Slice, Cookie, Dinner Roll JULY 25 Chicken Tetrazzini Casserole, Broccoli Cuts, Choc. Rasp. Torte, Petite Banana, Sliced Bread JULY 28 Salisbury Steak, Mashed Potatoes, Corn, Fruited Gelatin, Cinnamon Roll, Sliced Bread JULY 29 Glazed Ham, Baked Potato, Carrots, Poppy Seed Torte, Honeydew Melon, Dinner Roll JULY 30 Baked Chicken, Twice Bk Style Pot., Three Bean Salad, Apricot Halves, Tapioca Pudding, Sliced Bread JULY 31 Chef Salad w/Ham, Cheese, Sunflower Kernels, Veggies, Salad Dressing, Cantaloupe Slice, Frosted Cake, Wheat Dinner Roll
Meal Sites: FOND DU LAC – Riverview Apartments, 101 Western Ave., Mon-Fri 11:45am; Westnor Apartments, 653 W Arndt St. noon; Portland Square Apartments, 55 N. Portland, 11:45am; Senior Center, 151 E. First St. Mon-Thurs 11:45am; NORTH FOND DU LAC – Northgate, 350 Winnebago St., noon; RIPON – Russell Manor, 504 Russell Dr., 11:45am; Willowbrook Apartments, 615 W. Oshkosh St., noon; WAUPUN – Senior Center, 301 E. Main St., noon. Eligibility & Nutrition: All persons or married to someone 60 years or older are eligible for the Fond du Lac County Elderly Nutrition Program. Each meal contains 1/3 of the current daily Recommended Dietary Allowance (RDA) established by the Food and Nutrition Board of the National Academy of Sciences. Registration: Preregister at least one day in advance by 1pm, by signing up at a meal site or calling Fond du Lac Courthouse, 929-3937; Waupun Senior Center, 324-7930. For cancellations call the Department of Senior Service at 929-3937 before 1pm the business day prior to the meal. Donations: There is a suggested donation of $3 for those 60 years of age or older or married to someone 60+. Mobile Meals donation of $3.50. Volunteers: Volunteers are needed for the Senior Dining Program of the Fond du Lac County Dept. of Senior Services. Call 929-3114 for more information.
WI-5001795726
from puzzle on page 7 s c p o r r s a e e r e c m i m b a l p s l j p o e o r b u c r n y z o i a a n c x l b e a c h o d e u e c s a f e t y r s u n b o o e h i e o t o i o r t c p k r i s e q i d u m r a n v a c i r g f r i d o t r t e
GRANCARE REHAB 920-921-6800 Medicare - Medicaid - Family Care Certified
EXPERIENCE | 11
1st Annual
BROWSE
women’s Sponsored by:
expo
SHOP CHAT NETWORK
WeDNeSDAY, Sept. 17, 2014
at Thelma Sadoff Center for the Arts • 3:00pm-7:00pm
CAlliNg All VENdORS!! Vendor Booths NOW Available!
Early Bird pricing through Aug. 1
Market your business to a targeted & captive consumer by participating in the Women’s Expo! Contact Kristin Magruder for vendor info FOND DU today LAC 907-7902 or kmagrude@gannett.com
Women’s
Presented by: 12 | EXPERIENCE
Sponsored by:
expo
ACTION PUBLICATIONS | JULY 2014
Rhubarb Pudding Dessert CRUST: ❏ 1 cup graham cracker crumbs ❏ 2 tablespoons sugar ❏ 1/4 cup butter, melted
FILLING: ❏ 1 cup sugar ❏ 3 tablespoons cornstarch ❏ 4 cups chopped fresh or frozen rhubarb ❏ 1/2 cup water ❏ 3 drops red food coloring, optional ❏ 1/2 cup heavy whipping cream, whipped ❏ 1-1/2 cups miniature marshmallows ❏ 1 package (3.4 ounces) instant vanilla pudding mix
DIRECTIONS: In a large bowl, combine the crumbs, sugar and butter; set aside 2 tablespoons. Press remaining crumbs into an ungreased 11-in. x 7-in. baking dish. Bake at 350° for 8-10 minutes; cool. For filling, in a large saucepan combine sugar and cornstarch. Add rhubarb and water; bring to a boil. Cook and stir for 2 minutes or until thickened. Stir in food coloring if desired. Spread over the crust; chill. Combine whipped cream and marshmallows; spread over rhubarb layer. Prepare pudding mix according to package directions for pie filling; spread over marshmallow layer. Sprinkle with reserved crumbs. Cover and refrigerate for 4 hours or overnight. Note: If using frozen rhubarb, measure rhubarb while still frozen, then thaw completely. Drain in a colander, but do not press liquid out.
Yield: 9-12 servings Prep: 30 min. plus chilling Bake: 10 min. plus cooling Courtesy of tasteofhome.com
July Sale!
Lincoln House
The Lincoln House offers affordable housing for older adults who cannot or choose not to live alone. Overlooking beautiful Taylor Park, our home offers all the comforts of home along with the following amenities: • Medication management • Care call system in each bedroom & bathroom • 24-hour supervision • Family-oriented home setting • Caring & trained staff • Home-cooked meals • Community & home activities • And more...
F All YYour HHome For Medical & Respiratory Equipment Needs.
ASSISTED LIVING FOR OLDER ADULTS
LINCOLN HOUSE: 342 Forest Ave. FRANKLIN HOUSE: 349 W. 11th St.
Greg Newth, ATP, PTA
THIS SALE ENDS JULY 31!
Welcome Greg Newth, the newest member of the growing Agnesian Health Shoppe team. He joins Craig Kulus, to help individuals meet their rehabilitation equipment needs.
Craig Kulus, ATP
327 Winnebago Drive, Fond du Lac (920) 926-5277 Weekdays 8 a.m. to 6 p.m. agnesian.com
For more information or a tour call 922-7072 • www.rsifdl.org
WI-5001806308
s $100 Off Stair Lift Sale s $50 Off Ramps s 10% Off Mom & Baby Products
Serving the people of Fond du Lac since 1971 WI-5001805444
JULY 2014 | ACTION PUBLICATIONS
EXPERIENCE | 13
Fireworks & Thunderstorms A summer guide to keeping your cat calm
T
he majority of pet owners say they have at least one dog or cat with behavioral problems, which easily can be exacerbated by such startling things as July 4th fireworks and summer thunderstorms. And unfortunately behavioral issues are the number one reason for euthanasia in dogs and cats, resulting in the death of approximately 15 million pets each year. “Summer can be an especially tough time for pets and pet owners, when thunderstorms, fireworks displays and travel can cause distress and bad behavior,” says Carolyn Stichler, vice president of marketing for Sergeant’s Pet Care Products. If you’re part of the 73 percent of owners who say they have a pet that is scared of fireworks, you’ll want to create a plan to help keep your cat calm. SAFE SPACE Create a safe space for your pet to seek refuge. The area should comfortable as well as secure so he can’t escape and wreak havoc or leave your home. Provide toys and other distractions. STAY CALM Even if your cat is flipping out, remain composed. Doing so will help send the message that there’s nothing to fear. Also, exhibiting anger could contribute to your pet’s stress and make the problem worse. RELY ON SCIENCE More than two million cat owners have used a calming product on their pet. “You may want to consider a calming collar for your pet that has been scientifically proven to reduce or eliminate bad behaviors provoked by stress-related
situations,” says Stichler. For example, Sergeant’s Vetscription Calming Collar for Cats, available at mass retailers nationwide, mimics the pheromone that the mother produces to calm and reassure her kittens. Pheromones are chemical substances used for communication between members of a species. Good for all ages and breeds, the pheromone calming collar provides constant exposure calming pheromones to help pets feel safe and secure. More information can be found at sergeants.com. BE THERE You can’t be home all the time, but if you know that a fireworks display will be taking place in your community or there’s a stormy forecast, don’t leave your pet home alone. Stay in or consider asking a neighbor, friend or cat sitter to come over. Make sure they know what to expect and coach them on how to keep your cat calm. ASK A VET It never hurts to check in with a veterinarian and explain your pet’s behaviors and symptoms. Your vet can offer tips and let you know whether the behaviors are normal. Summertime is known for fun, sun and relaxation. Take steps to help your cat feel safe and secure in the face of seasonal stresses.
Living With Alzheimer’s Disease – Early Stage
OF FOND DU LAC COUNTY 50 N PORTLAND ST FOND DU LAC, WISCONSIN 54935
By Statepoint Media
$10
Classes for those recently diagnosed with Alzheimer’s. July 23, 30 and August 6 2:00 to 4:00 pm Held at the ADRC 50 N. Portland St. Fond du Lac Please register with Ginny Nyhuis (920) 838-1311
EXPERIENCE CHIROPRACTIC!
$10
This coupon entitles the bearer to the following new patient services for $10: *Consultation *Exam *X-rays (if indicated)
Stepping On Classes: North Fond du Lac – July 9 through August 20
(920) 929-3466 OR 1-888-435-7335 adrc@fdlco.wi.gov Providing information and assistance to the aging and disabled residents of Fond du Lac County WI-5001804958
14 | EXPERIENCE
9:00 am – 11:00 am Wednesday mornings
Ripon – August 7 to September 18
Dr. Craig Wink
This guest pass is valued up to $250
Dr. Scott Suprenand
10:00 am – 12:00 pm Thursdays
Fond du Lac – September 16 to October 28 9:00 am – 11:00 am Tuesday mornings Please call ADRC at 920-929-3466 ***The ADRC will be printing its first newsletter soon, if you would like a copy, please contact the ADRC.
For new patient services only, Medicare, Medicaid, Personal Injury and Worker’s Compensation claims not eligible due to Federal regulations.
WI-5001804589
ACTION PUBLICATIONS | JULY 2014
s
the lure of the
Open Road
Wh your tra at is vel dr And why eam? ? Email Va le r ie at : someday travel@ charter.n et .
By Valerie Graczyk, Someday Travel
I
Wayne and Valerie Graczyk in Venice, Italy. SUBMITTED PHOTO
t is a hunger inside of me and even though I have traveled far, my spirit is always planning for the next travel adventure. This is not true for some people. While this seems odd to me, for non-travelers, they openly question why I have the need to explore the “open road.” On our Greece tour in May, a couple who are very well-traveled themselves had this conversation with me. They have learned to be very careful about mentioning their travels to their friends and family because some resented it and others were not interested at all. So if you are one of those people you may want to stop reading right now. What is on my mind as I write this column are names of places like Costa Rica, San Jose, the rain forest, beaches, birding, coffee plantations; Italy, the Amalfi Coast and the Island of Capri; Spain, Madrid, Rhonda, the Alhambra, Granada. I am actually tingling with excitement as I write the words here. These are all places Wayne and I will be leading tours to in 2015 and I am fully enjoying planning the itineraries.
St. Mary’s www.edwardjones.com 50-year Why Go Anywhere Else? class reunion held
Anyone can provide advice. At EdwardA Jones, our goal is to provide 50-year class reunion from Saint Mary's advice and guidance tailored to your needs. grade school in Fond du Lac was held on May 3. The class held a tour of the school prior to a That’s why we live and work in your community. When it comes to your get-together at the Knights of Columbus Hall. financial needs and goals, we believe you deserve face-to-face attention. There were 37 in attendance from the class You talk, we listen, and we get to knowofyou. 104 total students. Committee members included, from front left, Marsha Bowe Mutual Funds Reilley, Judi Michels Weber, Mary Schmitz Annuities Peebles. Back row, from left, Robert Koenen, Portfolio and Retirement Plan Reviews Peter Doll, Robert Unger. SUBMITTED PHOTO
Investment Banking Equities From puzzle on pageFixed 10 Income Investments Insurance
For more information or to schedule a complimentary financial review, call or stop by today.
SMS Academy girls luncheon Rich Matravers 404 E. Main Street Waupun, WI 53963 (920) 324-9002 800-441-6143
Joe Heeringa 14 W. Main Street Waupun, WI 53963 (920) 324-2188
Ben Baertschy 928 S. Main Street Suite 600 Fond du Lac, WI 54935 (920) 923-1020
Dan Sprader, AAMS 976 E. Johnson St. Suite 700 Fond du Lac, WI 54935 (920) 923-3934 877-923-3934
WI-5001772108
JULY 2014 | ACTION PUBLICATIONS
Sue Wiza (Faris), Waite (Schaefer) AdamMary VandeSlunt, Doug Shireman, Jeff Willsand Pam Tollefson Steven Millin, AAMS AAMS 928 S. Main St AAMS 355 N Peters 885 Western Ave. Suite (Lefeber), from 600 W. Main St classmates N. Main Street 1003 Suite 100 Janet68Buechel Fond Du Lac, WI Fond du Lac, WI Waupun, WI 53963 Suite 300B Fond du Lac, WI the Class of 1963, talk and laugh together at Fond du Lac, WI 54935 54935 54935 (920) 324-2530 54935 (920) 923-1020 (920) 923-0970 888-324-2535 (920) 921-6095 the St. Mary’s Springs Academy (920) 923-4401girls annual 800-743-2996 888-923-4667 luncheon held at Whispering Springs Golf Course on May 7. PATRICK FLOOD/ACTION REPORTER MEDIA
Part of the fun is having the dream. If you don’t have a dream you can’t make it happen. I have a visual image of myself zip-lining through the rain forest in Costa Rica in February! Yes, this is an optional tour and for many travelers this would not interest them but when I talked with one of our travelers who did this, and loved it, I thought “if she did it I can too.” (She is without one of her arms due to a car accident.) Wayne and I have led tours to Italy over five times — each time adding something new to expand our traveling experiences. This time it will be the Amalfi Coast and the Island of Capri, which a friend (Jean Ferraca) said, “Was the most beautiful place in the world.” When we plan our tours we have to make difficult decisions. It is like bringing a group to the United States. What do you show them in a limited number of days? Planning the tours is a time for me to imagine the possibilities and indulge my spirit in the “lure of the open road.”
2014 Transportation Services
Fond du Lac County Department of Senior Services 1-800-215-5494 Service Type Elderly
Walk-on vans 60+ years of age
Escort
Frail; physician certified
Handi-Van
Wheelchair use or mobility impaired No age restrictions
Priorities
Cost
Medical, Employment, Nutrition Personal Business, Education/Training, Social/Recreation
$2.50 each way $2.50 each way $2.50 each way $2.50 each way
Medical, Therapy, Dental
Within FdL County $2.50 each way Outside FdL County $6.00 each way
No priorities 6:00 a.m. - 5:30 p.m. (Mon-Fri)
Fee $3.00 each way
Senior Service Transportation Service Phone Numbers ELDERLY VAN: 60+ years of age ......................................................... 929-3936 HANDI-VAN: Wheelchair or mobility impaired, no age restriction....... 929-3110 ESCORT: Frail, no age restriction ......................................................... 929-3936 Senior Dining & Mobile Meals (60+ years of age) 929-3937 WI-5001738847
EXPERIENCE | 15
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WI-5001806293
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ACTION PUBLICATIONS | JULY 2014