50 Plus - August 2010

Feature story:SAILING AWAYFinding peaceon the waterPage 4

July/August 2010

The magazinefor active,mature lifestyles

PIZZA PARTY ..........................12Small pizzas add variety to get-togethers

Feature story:SAILING AWAYFinding peaceon the waterPage 4

GREEN GARDENING ....................8Keep your gardens organic with these tips

MANITOWOC — The Mani-towoc Senior Center, 3330 CusterSt., plans the following group out-ings.

■ A trip to Niagara Falls will beoffered Sept. 14-19. A passport isrequired. Cost is $795 per personfor a double or $1,145 per personfor a single.

■ A Door County day trip isplanned for Sept. 23 and includeslunch at Al Johnson’s sod-roofedSwedish Restaurant. Cost is $62for members and $77 for nonmem-bers.

■ A trip to Meskwaki Casinoand Octoberfest in Tama andAmana, Iowa, is planned for Sept.30 through Oct 2. Cost is $149 fora double or $199 for a single.

Sign-up for trips begins Monday.Call (920) 683-4508 for information.

Table of contents

Pat Pankratz, 50 Plus! Editor(920) 686-2138 ■

[email protected]

Laurie Bolle, Ad Director(920) 686-2120 ■ [email protected]

50 Plus! is published monthly by theHerald Times Reporter. It also isdistributed to select businesses inManitowoc County.

Mailed correspondence may be sent to:Pat Pankratz, Herald Times Reporter,Manitowoc, WI 54220

Staff

3: Savvy Senior

5: ADRC News

7: Health Column

8: Gardening

10: Financial Column

12: Recipes

14: Things To Do

On the coverFred Hazlewood of Manitowoc stands aboardhis Catalina 30 sailboat in the ManitowocMarina. Read more about Hazlewood andother boating enthusiasts on Page 4. DougSundin/50 Plus

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J U LY / AU G U S T 2 0 1 0

Senior Center offers trips

Services for seniors

Manitowoc Senior CenterAddress: 3330 Custer St., Mani-

towocPhone: (920) 683-4508Website: www.manitowoc.org/

parkandrec/Senior_Center/senior_center.htm

Manitowoc County Aging andDisability Resource Center

Address: 4319 Expo Drive, Mani-towoc

Phone: (920) 683-4180

Two Rivers Senior Center

Address: 1520 17th St., Two RiversPhone: (920) 793-5596Website: www.two-rivers.org

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Herald Times Reporter • July/August 2010 • 3

Financial help available for Medicare Part D beneficiariesDear Savvy Senior:In one of your recent columns

(What Health-care ReformMeans for Seniors) you wrotethat seniors with a Medicare pre-scription drug plan could get a$250 rebate check when they hitthe doughnut hole. I’ve just hit it!What do I need to do to get mycheck and how long will I have towait?

Need HelpDear Need:One of the key benefits for sen-

iors in the new health-care re-form law is improved coveragefor Medicare Part D beneficiar-ies. Here’s what you shouldknow:

Doughnut hole rebate

This year, seniors who have aMedicare Part D prescriptiondrug plan are automatically eli-gible to receive a one-time $250rebate check if they hit the“doughnut-hole” coverage gapand are not already receivingMedicare “Extra Help.”Medicare expects around 4 mil-

lion Part D beneficiaries will ac-tually hit the doughnut hole in2010.

The doughnut hole beginsafter you reach $2,830 in totalprescription-drug spending andextends until your total drugcosts for the year reach $6,440.Within that gap, you generallyhave to pay the bills out-of-pock-et. After that, your Part D planusually covers 95 percent of yourremaining drug costs for theyear.

Again, you just need to reachthe doughnut hole to qualify forthe rebate. You don’t have tospend $250 within the coveragegap first. And you don’t need tofill out any forms to get yourcheck. Medicare will automati-cally send it when you reach thedoughnut hole — you should re-ceive it within 45 days. To makesure there are no delays, you maywant to call your drug plan onceyou’ve hit the doughnut hole, tomake sure they’ve notifiedMedicare of your eligibility. Ifyou don’t get your rebate check,call Medicare at (800) 633-4227.

Scam alert

The government also wants towarn seniors about possible conartists who may try to take ad-vantage of the government re-bate. If someone calls you claim-ing to need your personal infor-mation, like your Medicare orSocial Security number, or bankaccount so they can process yourMedicare rebate check, don’tgive it to them. It’s a scam! Justhang up the phone, and call (800)MEDICARE to report it.

Coming next year

You also need to know thatstarting in 2011, Medicare Part Dbeneficiaries that hit the dough-nut hole will receive a 50 percent

discount on brand-name drugsand a 7 percent discount ongeneric prescriptions. Afterthat, beneficiaries will pay asmaller portion of their drugcosts in the doughnut hole eachyear until 2020, when they haveto pay just 25 percent of thosecosts.

Also starting next year, indi-viduals who earn more than$85,000 (or $170,000 if married fil-ing jointly) will have to pay ahigh-income surcharge forPart D Premiums, as they do forPart B.

Extra Help changes

Another change to be aware ofis Medicare’s expanded prescrip-tion drug benefit to low-income

seniors (this is not part ofhealth-care reform). Changes inthe law have now made it easierfor about 1 million more seniorsto qualify for “Extra Help” inpaying their Medicare drug cov-erage.

To be eligible, your annual in-come must be less than $16,245for an individual and $21,855 fora married couple living together.And your assets such as stocks,bonds and bank accounts mustbe limited to $12,510 for singlesand $25,010 for married couples.The value of your home and au-tomobiles are excluded.

Under the new law, life insur-ance policies are no longercounted as assets and money re-ceived to help pay household ex-penses is not counted as income.To find out if you qualify call So-cial Security at (800) 772-1213 orsee ssa.gov/prescriptionhelp.

Send your senior questions to: Savvy Senior,P.O. Box 5443, Norman, OK 73070, or visitSavvySenior.org. Jim Miller is a contributor tothe NBC Today show and author of “The SavvySenior” book.

JIM MILLER

The Catalina 30, like this one owned by Fred and Carla Hazlewood, is known for having plenty of space below deck. Doug Sundin/50 Plus

BY MICHELLE TURCOTTE50 plus

Avid sailor Fred Hazlewood likes the idea oftricking the wind into taking you where you wantto go. And where he wants to go when coastingthrough the water propelled by nothing more thana summer’s wind can be anywhere. That’s the beau-ty of setting sail. It doesn’t matter where you’regoing, getting there is most of the fun.

“If you’re day-sailing you don’t have to get to anyspecific point,” said Hazlewood, 69. “You look at thewind, its strength, the direction it’s coming from,

and you decide where you want to go.”It’s about the experience, not the destination. It’s

about listening to the swack of waves breakingagainst the bow, experiencing a thrill as wind fillsthe sails and the boat takes a lean to one side, thesatisfaction of navigating using the wind and yourwits rather than horsepower.

“There’s a feeling of self-sufficiency on the sail-boat that you don’t have in a powerboat,” Hazle-wood explained. “All you really need to know is thedirection of the wind.”

The retired Manitowoc County judge loves noth-ing more in summer than to set sail on a sunny af-ternoon with his wife, Carla. He first got hooked onthe sport as a student at the University of Wiscon-sin-Madison, embarking on his first sail withfriends on Lake Mendota in a 10-foot, single-sailtech dinghy. He loved it instantly.

Now he navigates Lake Michigan in Varsity, his

30-foot, 5-ton Catalina 30, named after the universi-ty’s alma mater. They’ve had Varsity for about eightyears.

“As we got closer to retirement my wife and Istarted thinking that it might be time to buy thesailboat we’d always been talking about,” Hazle-wood said. “By then I was sailing with friends whohad bigger boats. We’d go on several-day cruiseswith them, and we came to enjoy it.”

Though they go on the occasional overnightcruise, he and Carla most often head out on day-sails, leaving midmorning and returning midafter-noon or evening. Sometimes they’ll sail to placeslike Kewaunee and Sturgeon Bay. The pair tries toget out on the water once or twice a week if theycan, and Hazlewood says it’s a blessing Carla shareshis love for sailing.


Set sail for serenityThe journey is the rewardwhen you harness the wind

Feature story

See Sailing, Page 6

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Farm market vouchers availableBY JUDY RANK50 Plus

The Aging and Disabili-ty Resource Center hasfarmers market vouchersavailable to seniors whoare 60 or older and whoseincome is at or below 185percent of the povertylevel. For a single personthat means the monthlyincome cannot exceed$1,670 and a couple cannothave an income that ex-ceeds $2,247 a month.

The vouchers are worth$25 and come in $2 and $3increments. They can beused at participating localfarmers markets to pur-chase fresh, Wisconsin-grown fruits and vegeta-bles.

Apply for vouchers at theADRC from 8 a.m. to 4:30p.m. Monday through Fri-day. Applicants are askedto bring proof of income,social security, birth dateand address.

Focus on falls

Seniors are asked tomark Sept. 23 on their cal-endars to participate inthe second annual “FallFocus on Safe and HealthyLiving.” Gov. Jim Doylehas declared Sept. 23 as“Fall Focus” and is en-couraging counties to pro-vide educational opportu-nities for the senior popu-lation to learn more aboutstaying healthy and pre-venting falls. The eventwill be at the Holiday Innand will end with ahealthy lunch at noon.Cost of the event will be$7.50 per person.

Stepping On

The ADRC is hostingtraining for new facilita-tors of the Stepping Onprogram, so that this pro-gram can be offered moreoften in the county. ThisAustralian evidence-basedprogram has shown re-markable success in in-creasing strength and bal-ance for elderly partici-pants who have a historyof falling or are at highrisk for falls. It is a seven-week program that meetsonce a week for two hours.Seniors may call theADRC at (920) 683-4180 toget their names on thewaiting list for the nextclass.

More protective law

A new Durable Power ofAttorney law, Chapter 244of Wisconsin Statutes, willtake effect on Sept. 1. Thenew law has more protec-tions for both the con-sumer and individualsasked to accept the docu-ment. It also gives agentsmore instruction as totheir duties and obliga-tions under the documentand as a fiduciary agency.This new law makes Wis-consin’s Power of Attor-ney for Finances and Prop-erty (POA-F) more consis-tent with many otherstates.

Documents executed be-fore Sept. 1 will remainvalid so long as they werelawfully executed. Howev-er, it is always a good ideato review your POA everyfive years or any time life-changing events occurs, to

make sure that you stillhave the same wishes.Watch for news releaseson the subject as timedraws closer to Sept. 1.

Fair time coming

The Manitowoc CountyFair will be Aug.24-29. Se-nior Day at the Fair will beThursday, Aug. 26. For just$5, anytime before 5 p.m., asenior may spend the en-tire day at the fair. This in-cludes parking, but notrides. Staff from theADRC will be at the LocalEmergency PlanningCommittee booth from 10a.m. until 5 p.m. that day.They will be prepared totalk with you about pre-scription drug coverageand assist you in learningif you are eligible for LowIncome Subsidy.

New staff member

Linda Grider has joinedthe staff of the ADRC as amobility manager. Lindawill be working with therural communities in set-ting up shopping opportu-nities, along with medicalappointments to Mani-towoc and Two Rivers.Rural communities willhave a designated day dur-ing the week when this op-portunity will be availableto its residents. Interestedseniors may call theADRC at (920) 683-4180 tospeak with Linda aboutservices through the pro-gram.

Judy Rank is executive director of theManitowoc County Aging and Disabili-ty Resource Center.


ADRC news

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“She’s a really good helmsperson,” he said. “She’sprobably better steering this thing than I am. Shelikes when the boat looks like it’s going to bury therail in the water. She wants to see the water run-ning right down the gutters.”

For his part, Hazlewood can’t resist the challengeof trying to navigate the sailboat into the harborwithout turning on the engine, sometimes to theannoyance of Carla, he said with a laugh.

Though they both like a challenge, the main drawis the serenity of being out on the water. “The thingI like about sailing is the silence,” said Hazlewood.“And there’s always another way to make the boatmove through the wind and water. You’ll probablynever learn all the tricks in a lifetime, so there’s al-ways something new to learn.”

Cottage on the water

John and Gloria Creagh can be found on their sail-boat in Manitowoc Marina almost every weekend insummer. The Manitowoc couple considers their 30-foot sloop rig boat their cottage on the water.

“We often come down to the boat and we’ll spend theweekend,” said John, 57. “We’ll go sailing during theday, just out and about wherever we feel like going.”

“You come down here and there are no interrup-tions,” said Gloria, 57. “On the weekend it’s just laidback and we have a good time. We go sailing a lot —we’ll sail over to Two Rivers and have lunch.”

The pair embarks on extended cruises three or fourweekends each summer, heading to places like She-boygan, Sturgeon Bay or crossing Lake Michigan toattend a wedding in Grand Rapids, Mich. They say theboat is like a trailer, with amenities including a smallrefrigerator and hot water, and enough space to storetwo bikes.

The Creaghs set out on a two-week cruise in lateJune, hitting spots along the way up through north-ern Door County before crossing the lake to Michigan— which takes about 10 hours — and looping back.They spent nights on the boat, docking in differentmarinas along the way.

Some of their closest friends are people they’ve meton the dock at the Manitowoc Marina. They met upwith a few other couples during the second week oftheir recent sailing adventure, who were sailing onone-week cruises of their own.

Manitowoc is where John first got interested in sail-ing shortly after he moved from Chicago in his early20s. The marina wasn’t built yet, and the boats weredocked where the USS COBIA submarine is now.

“A gentleman at work took me sailing on his boat,”he said. “It just so happened that when we got back inthere was a group of guys that were just coming backfrom sailing too, and he introduced me to them.”

Creagh said there used to be a very active racingprogram in town, and the guys invited him to jointhem that weekend.

“There were lots of sailors, and they were alwayslooking for crew,” he said. “Back then you could showup at the marina with a 12-pack and a lifejacket andyou could sail all weekend.”

Though he doesn’t formally race, he said mostsailors are always judging themselves out on thewater. “You want to see, ‘Can I catch that boat?’” he ex-plained.

The Creaghs purchased their sailboat, Rhomboid,about seven years ago after their sons left home andthey had the time to devote to sailing. They kept itsname, which refers to the shape of an ice cube, as theboat initially belonged to a man with Manitowoc Ice.

“It was just the right time and the perfect opportu-nity for us to get back into it,” John said. “Sailing is agreat sport. And it’s very relaxing. You’re not worry-ing about everything else. It’s how do I use the wind toget from here to there?”

“It’s heavenly when you’re out there,” added Gloria.

Sailing lessons offered

Would-be sailing enthusiasts can find informa-tion on sailing instruction at www.manitowoc-marina.com. A three-day intensive course, taughtthrough Sailboats Inc., includes 22 hours of hands-on boat handling experience aboard a 30-foot cruis-ing sailboat, and runs from Aug. 6-8 in Manitowoc.Cost is $895 for the first person enrolled and $745 foreach additional person

æ The Manitowoc-Two Rivers YMCA also offersadult sailing lessons. Participants learn the ele-ments of sailing smaller boats aboard a fleet of 14-foot Hunter sailboats. The three-week session meetsfor two-hour periods three times a week. While thissummer’s class already has begun, it is offeredevery summer. Cost is $65 for YMCA members and$75 for nonmembers. For information call (920) 682-0341.

John and Gloria Creagh of Manitowoc call their 30-foot sailboat their cottage on the water. Michelle Turcotte/50 Plus

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Health/Wellness

Keep a personal medication record

Do you refer to themedication you taketo lower your blood

pressure as “my roundpill” and the one for yourcholesterol as “the littlebrown football? If you do,you’re not alone.

Unfortunately, when yougo to the pharmacy or yourdoctor’s office, it’s difficultfor us to make sure you’retaking your medication ap-propriately when all thatwe have to work with is“it’s a big white pill for myheart.”

I don’t expect everyone toremember all the names,doses and directions of allthe medications they takeevery day, especially withdrug names that soundmore like fantasy worlds inscience fiction movies thanEnglish language. But I en-courage people to keep anup-to-date, personal med-ication record with them atall times. This is especiallyimportant when they’reusing multiple physiciansand/or multiple pharma-cies.

Personal medicationrecords should include thefollowing for each prescrip-tion medication, over-the-counter product, herbal ordietary supplement, and vi-tamin that you take:

æ The medication nameæ The strength (e.g.,

20 mg)

æ The directions for use(e.g. one tablet daily at bed-time)

æ The purpose (e.g., highblood pressure)

æ The date it was firstprescribed

æ The name of the pre-scriber

æ The name of the phar-macy that dispensed themedication to you

The following informa-tion should also be part ofyour complete personalmedication record:

æ Your name, address,and date of birth

æ Allergies to medica-tion, food, dyes, tape, etc.

æ Medications you’vetaken in the past but arecurrently not taking andthe reason for not takingthem anymore (e.g. causeda rash or didn’t work effec-tively)

æ Vaccination recordæ Emergency contact in-

formationæ Primary physician’s

name and phone numberæ Primary pharmacy’s

name and phone numberIt’s very important that

all the information on yourpersonal medication recordis kept up-to-date. Any timeyou are prescribed a newmedication make sure toadd it to your record andmake sure you know why itwas prescribed for you. It’salso important to updatethe dose or directions foruse if either of those ischanged on one or more ofyour medications. Yourpharmacist should be ableto help you with this ifneeded.

It’s also important to up-date your record if you aregiven samples of medica-tion from the doctor. Often-times these are not labeledwith directions for use, soplease make sure you knowhow to take these. Ask thedoctor or nurse to help youupdate your medicationrecord if needed.

Please share your per-sonal medication recordeach time you go to thehospital, doctor’s office orpharmacy. Taking thesteps above could help pre-vent an adverse reaction,an emergency room visit,or worse.

Marv Moore is a pharmacist at TheMedicine Shoppe in Two Rivers andcan be reached at (920) 794-1225.

MarvMoore


Keep your garden truly organicThe trend for gardening at

home continues to grow — andpeople are taking a particularinterest in raising their flowersand vegetables organically.With such prominent figures asMichelle Obama taking publicinitiatives in organic garden-ing, more and more productsthat cater to the trend are ap-pearing.

Unfortunately, the increasedinterest in organic gardeninghas led to some confusion —and some deception — aboutwhat it means for a product tobe “organic.” The labeling ofproducts has become a mine-field for consumers who are in-terested in eco-friendly agricul-ture. It can be difficult to knowexactly what is meant by prod-ucts labeled “natural,” “plant-based” or “organic.”

Official organic labelingcomes from the U.S. Depart-ment of Agriculture (USDA).Their seal comes in a few forms,denoting whether a product is“100 percent organic,” “organ-ic,” or “made with organic” in-gredients. Unfortunately, anec-dotal evidence suggests thismultitiered labeling system isalso contributing to consumerconfusion.

For example, for a product tobe labeled 100 percent organic,everything in it must be certi-fied organic. If it says just “or-ganic,” that means that it mustcontain 95 percent certified or-ganic ingredients. If a productcontains 70 percent organic in-gredients, it can be labeled asbeing “made with organic [in-gredients].” Any product withless than 70 percent organic in-gredients cannot carry theUSDA seal.

Another thing to keep inmind is that a product labeled“natural” is not organic. Whilethere might be some naturallyoccurring ingredients in theproduct, it doesn’t mean thatit’s safe or earth-friendly — not

to mention organic.Perhaps in an effort to simpli-

fy the consumer’s “organic”label options, the USDA also di-rects consumers to other organ-izations that can help them de-termine whether or not the

products they’re buying are 100percent organic. One of those,the Organic Materials ReviewInstitute (OMRI) is a nonprofit,independent organization thatgives reviews of products andhow they stand up to the Na-

tional Organic Standards fromthe USDA.

For concerned consumers,they provide a comprehensivelist (available online) of prod-ucts that pass the test. “OMRI’slist is an invaluable tool for

gardeners who want to keeptheir plots organic,” saysClaude Boisvert, president ofTree World Plant Care Prod-ucts. “It makes it easier thanever to find gardening supple-ments that are not harmful tothe environment.”

If your main concern inplanting an organic garden isproviding your family withsafe-to-eat, healthy food rightfrom your own back yard, you’llwant to take the trouble to makesure you’re using truly organicgardening products. At thesame time, you want your gar-den to look great and producewell.

One of the biggest challengesto organic gardening is keepingpests away in a way that is hu-mane and safe. For smallerpests, it is increasingly easy tofind organic insecticidal soapsthat are safe unlike some tradi-tional pesticides. Larger gardenplant browsers can reallywreak havoc unless you use arabbit or deer repellent. AnOMRI listed solution, developedin eco-conscious Sweden andnow made in the United States,is Plantskydd. Its effectivenessand environmental soundnessas an organic repellent havemade it popular for farmingand among gardeners, profes-sional landscapers, nurseries,foresters and state conserva-tion agencies.

It’s important to rememberthat you have the power to influ-ence the products that are avail-able to you. If keeping your or-ganic garden truly organic isimportant to you, discuss yourconcerns with local retailers.By asking them to stock prod-ucts that have been subject torigorous standards, like thoseof OMRI, you’ll make it easierfor everyone in your communi-ty to have access to verified or-ganic materials.

ARA

Read labels carefully to determine if garden products you’re using are truly “organic.” ARA

Gardening

RN’s • Therapists • Bath ServiceCompanions • Hospice

Housekeepers • Money MindersLynn Seidl-Babcock, RN/BSN, Owner/Administrator

Introducing our NEW In-Home ActivityDementia Specialist

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Contact usif you are a Vet or

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CROSSWORDTHEME: EAT YOUR VEGGIES

ACROSS1. Dance named after horse’s gallop6. *National gardening organization, acr.9. Wood file13. Description for twins14. Loud noise15. Ski run16. Technical term for human body, pl.17. Female reproductive cell, pl.18. Twig of a willow tree19. *Bell _______, pl.21. Wealthy person, slang23. International trade organization24. Halo25. Woman’s undergarment28. Opposed to30. Principles of right and wrong35. The Tramp’s companion37. *Like the skin of an eggplant39. Should40. Pavarotti’s song41. Catalog purchase43. Arctic floater44. Gives a certain impression46. *Fruit grows on it, not veggies47. Golfer’s warning48. Worthy of belief50. A third of thrice52. Old-fashioned over53. Done to benefits?55. They’re hotly anticipated during Super Bowl57. *It doubles as a name for a sport60. *Source of Popeye’s strength64. Islamic beauty of Paradise65. Choose instead67. Handsome like Marcello Mastroianni68. Done to wheels in an auto shop69. “Back To The Future” actress70. Disclose or reveal71. Ignorant person72. A light touch73. Wear away

DOWN1. Breath after a punch in the stomach, e.g.2. Medicinal house plant3. *Quality of overcooked asparagus4. Similar to giraffe but smaller5. Former unit of money in Spain6. “Without further ____”, pl.7. T-cell killer8. State of complete confusion9. Reduced instruction set computer10. *Continent that gave us bok choy11. Proofreader’s “disregard” word12. ___ capita15. *It inspired a classic toy20. Mozart’s “Turkish March,” a.k.a. “Turk-ish ____”22. They ___ or they’re24. Parachute delivery25. “_____ from the past”26. Less common than rare27. Farewell in Paris29. *The French use veggies in this pastry orpie-like dish31. A state of irritation32. Eskimo hut33. House work34. “____ clear”36. *Not quite sweet potatoes38. Incisive or nifty42. Summary45. Flu variety49. Nod up and down51. *Like a white mushroom, unlike a toadstool54. Near the wind56. Express contempt57. Unaccompanied58. Witty remark59. Strong desire60. It results in back wound61. Palo ____, CA62. Oaf63. Whetstone64. Experienced66. *It’s just like others in a pod


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Financial

Mindset importantto retirement plans

We all know thatthe ultimatequest is to make

it to the retirement stageof life with our health,our family, our friendsand ample cash flow eachmonth so we do not haveto deny ourselves thethings that hard work fordecades should be able toprovide.

However, the mindset oftoday’s new retiree is to-tally different from ourparents’ generation, par-ticularly with the ever-changing stock market,interest rate climate, taxtraps and general eco-nomic uncertainty formonthly bills we all mustface.

Add to that the realitythat most of us will livealmost as many years asa retiree as we were inthe work force, and thechallenges mount, butcan indeed be faced andconquered. Here’s how:

æ We must shift our expec-tations — 59 percent ofworkers expect to get atraditional pension pay-ment upon retirement,but only 41 percent ofAmericans are enrolled

in such plans. How canthat work out? It’s one ofmany examples of howour expectations do notmatch up with reality.

æ Dealing with the marketmeltdown — All of us havehad our portfolios affect-ed over the years with thewild swings (both up anddown) in the stock mar-ket, but the key is howyou react and deal withthese swings. Do you losesleep? Do you give up andhide your money in a sav-ings account? Do you letthe daily news stress youout and create panic?Emotions play a hugerole in how we each ap-proach the retirementphase of life, and there isno right or wrong answerthat works for all of us.

This is why getting inputfrom advisers will allowyou to separate emotionfrom facts so you can staycommitted to the roadthat mathematicallyworks for your situation.

æ Re-examine your desiredlifestyle — Not everyoneneeds a bundle of cash toenjoy retirement, manyare content with a pre-dictable level of cashflow and would ratheruse their time withfriends, family, a book, orother things that willcost little or no money.Yet the other extreme canapply — some folks ex-pect retirement to betheir overdue chance totake those month-longcruises, winter in Flori-da, or buy a lot of toysthat were denied as theyworked and raised a fami-ly. Which attitude isright? They both can becorrect, yet you need toidentify your likely atti-tude so a proper plan canbe created so you do notoutlive your money.

GregAnderson

ã See Retirement, Page 11

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important


æ Tapping into your homeequity — If cash is a littletight, look back to the eq-uity built up in your cur-rent home. Even if youplan to stay there (as op-posed to downsizing),what would happen ifyour spouse passed away?Would you stay there? Orif nobody is left in thehome, do your kids reallyplan to relocate and callthis house their newhome? Or would it just besold off for what the mar-ket bears at that time?Perhaps you can help yourcash flow needs today belooking into new ideaslike reverse mortgages. Itcould be a solution formany cases that otherwisewould prematurely spenddown their qualified planmoney, or worse yet, denythemselves things that re-quire the cash flow.

æ Leaving a legacy — Yourname does not have to beKennedy or Rockefeller toworry about the word lega-cy. All of us have pride inwhat we have accom-plished during our work-ing years, and surely wantto leave any remaining as-sets to our family (or acharity, key friends, etc.)

Too many people ignoreupdated estate planningbecause they believe it isonly for the rich, for thecomplicated estates, or bydoing such planning theywill hasten their own de-mise (the “jinx” excuse).

The key is to avoid auto-matic blunders that canoccur without proper plan-ning. It is crucial to get allfamily members somewhatinvolved in the overall dis-cussions. And do not forgetsuch simple things as up-dating those beneficiarydesignations on life insur-ance, annuities, retirementplans, etc. Many that werefilled out years ago whenlaw and facts were very dif-

ferent than they are today.Understanding how to

separate the myths fromthe realities is the key fora successful retirement, atleast from the financialstandpoint. Most con-sumers need to reach outto the many area expertsthat deal with these issuesevery day.

Trying to just “hope forthe best” or “going italone” most often will onlyresult in poor results. It isnot a sign of weakness toseek out help in an areayou truly are not an expertin; in fact the true weak-ness of a man or woman isto be too stubborn to seekout that advice. The realvictims of such an attitudewill be your loved ones —and yourself.

Greg Anderson is a certified publicaccountant,CFP with Ihlenfeld Ska-trud and Anderson,CPAs and also thehost since 1990 of the “MON-EYTALKS” radio program, which airson WOMT 1240 each Tuesday,Wednesday and Thursday.

RetirementFrom Page 10

Did you ever wonder …

æ WWhhyy ddooeess tthhee ssuunn lliigghhtteenn yyoouurr hhaaiirr bbuutt ddaarrkkeennyyoouurr sskkiinn??æ WWhhyy iiss aabbbbrreevviiaatteedd ssuucchh aa lloonngg wwoorrdd??æ WWhhyy iiss iitt tthhaatt ddooccttoorrss ccaallll wwhhaatt tthheeyy ddoo pprraacc--ttiiccee??æ WWhhyy tthhee mmaann wwhhoo iinnvveessttss aallll yyoouurr mmoonneeyy iissccaalllleedd aa bbrrookkeerr??æ WWhhyy tthhee ttiimmee ooff ddaayy wwiitthh tthhee sslloowweesstt ttrraaffffiicc iissccaalllleedd rruusshh hhoouurr??æ WWhhyy NNooaahh ddiiddnn’’tt sswwaatt tthhoossee ttwwoo mmoossqquuiittooeess??

æ TThhaatt iinnddeessttrruuccttiibbllee bbllaacckk bbooxx oonn aaiirrppllaanneess,, wwhhyyddoonn’’tt tthheeyy mmaakkee tthhee wwhhoollee ppllaannee ooff tthhaatt ssttuuffff??æ WWhhyy lliivviinngg ppllaacceess aarree ccaalllleedd aappaarrttmmeennttss wwhheenntthheeyy aarree ssttuucckk ttooggeetthheerr??æ IIff ccoonn iiss tthhee ooppppoossiittee ooff pprroo,, iiss CCoonnggrreessss tthheeooppppoossiittee ooff PPrrooggrreessss??æ IIff ffllyyiinngg iiss ssoo ssaaffee wwhhyy ddoo tthheeyy ccaallll tthhee aaiirrppoorrtttthhee tteerrmmiinnaall??

Source: www.seniorhumor.net

Financial


Recipes

Smoked turkey pizza1 ServingPrep/total time: 20 min.

Ingredients

æ 1 prebaked mini pizza crustæ ¼ cup whole-berry cranberry sauceæ 1 tablespoon chopped onionæ ¿ cup shredded Monterey Jack

cheeseæ 2 ounces thinly sliced deli smoked

turkey, cut into stripsæ 1 teaspoon chopped walnuts

Directions

Place the crust on a baking sheet orpizza pan. Spread with cranberrysauce; sprinkle with onion and cheese.Arrange turkey over cheese; sprinklewith walnuts. Bake at 375 degrees for10-15 minutes or until cheese ismelted.

Yield: 1 serving.Nutrition facts: 1 serving (1 each)

equals 714 calories, 24 g fat (9 g saturat-ed fat), 55 mg cholesterol, 1,551 mgsodium, 93 g carbohydrate, 3 g fiber,34 g protein.

Dartboard pizza4 ServingsPrep/total time: 30 min.

Ingredients

1 tube (13.8 ounces) refrigerated pizzacrust

1 can (8 ounces) pizza sauce2 cups (8 ounces) shredded mozzarella

cheese1 package (3½ ounces) sliced pepperoni1½ cups (6 ounces) shredded cheddar

cheese1 cup chopped green pepper

Directions

Unroll pizza crust onto an ungreased14-inch pizza pan; flatten dough andbuild up edges slightly. Prick dough sev-eral times with a fork. Bake at 425 de-grees for 7 minutes or until lightly

browned. Cool on a wire rack. Spreadpizza sauce over the crust; sprinklewith mozzarella cheese.

Place one pepperoni slice in the cen-ter of the pizza; chop remaining pepper-oni. Sprinkle some chopped pepperoniaround the outer edge of pizza, leavinga half-inch of crust. Sprinkle remainingpepperoni in a circle between centerslice and outer edge. Arrange cheddarcheese and green pepper alternately ina spoke pattern.

Bake at 425 degrees for 12 minutes oruntil cheese is melted and pizza is heat-ed through.

Yield: 1 pizza.Nutrition facts: 1 serving (2 slices)

equals 651 calories, 39 g fat (21 g saturat-ed fat), 110 mg cholesterol, 1,631 mgsodium, 42 g carbohydrate, 3 g fiber, 32 gprotein.

Recipes and photos courtesy of Taste of Home; www.tasteofhome.com

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More older couples divorcing?The news that Al and

Tipper Gore were separat-ing after 40 years of mar-riage may have come as asurprise to the public, butsome experts predict thismay be indicative of agrowing trend: as lifespanincreases — along with theacceptability of divorce —more older couples may besaying, “Enough.”

While the divorce rateamong long-married cou-ples is not as high as fornewlyweds or parents over-whelmed with raising chil-dren, experts say that it isbecoming more common-place for people to call itquits after investing 30 or40 years or more in a rela-tionship.

“Staying in exactly theright relationship to oneanother is a very hardthing to maintain every

decade,” Pepper Schwartz,professor of sociology atthe University of Washing-ton, told CNN. “Peoplethink you only get closerover time, but that’s notnecessarily true.”

Schwartz, who is also arelationship expert for theAmerican Association forRetired Persons (AARP), be-lieves that a longer life spanmay be one reason somelong — married couples aredeciding to divorce. Whilepreviously, many older cou-ples sought to avoid the tur-moil of such a disruption solate in life, a longer life ex-pectancy — and with it, thehope of finding a new, morefulfilling relationship —may lead more people tochoose divorce.

“Half a century ago, anunhappy couple in theirmid-60s might have stayed

together because theythought it wasn’t worth di-vorcing if they had only afew years left to live,”Schwartz writes in an arti-cle on the AARP website.“Now, 65-year-olds can easi-ly envision at least 20 moreactive years — and theydon’t want them to be love-less, or full of frustrationor disappointment.”

The dissolution of a long-term marriage is often lessof a sudden blowup than aresult of many years of de-cline. “It’s more like a bal-loon that has been seepingair for a long time,”Schwartz says. “After awhile, it’s totally deflated.”

Divorce, once viewed as asocial taboo, has over theyears become more accept-able and easier to attain.

From 50Plus.com

Health/Wellness


Saturday-Sunday — Wis-consin’s first Ford dealer-ship — Celebration of 100years, Village Park, Valders,Open car show, Saturday(Ford only), Sunday (allmakes and models), MarineBand and Sunday parade.(920) 369-8122

Sunday — Garden Expo,Cleveland Dairyland Park.Presented by the East WindGarden Club, features raf-fles, demonstrations, and acontainer contest for prizes,free. 1 p.m.

Tuesday — MetroStageConcerts in the Park, Wash-ington Park, sponsored bythe Manitowoc Parks &Recreation Department, fea-turing The Clipper CityChordsmen, free, 6:30 p.m.

Wednesday — Mishicot’sOutdoor Summer Concert,Mishicot Middle School,Woody Manicoski Quartet,jazz, social hour 5:30 p.m.,concert 6:30 p.m.

Thursday — MetroStageMarine Band Concerts inthe Park, Washington Park,if inclement weather, con-certs will be moved to Citi-zen Park, sponsored by theManitowoc Parks & Recre-ation Department, free,7 p.m.

Thursday — Music Underthe Stars, Central Park inTwo Rivers, featuring theTwo Rivers Municipal Band,free, 7 to 8:30 p.m., (920)793-5590

Aug. 6 — Community CareDay and Maxwell StreetDay Sidewalk Sale & PingPong Ball Drop, CentralPark,Two Rivers, 9 a.m. to5 p.m., (920) 794-1482

Aug. 6-7 — Rogers StreetDays, Rogers Street FishingVillage, Two Rivers, A muse-um fundraiser and commu-nity celebration featuringlive music, smelt, burgers,brats, beverages, crawfish(on Saturday), kayak paradeand games for kids. Muse-um admission free on Satur-day from noon to 4 p.m.,(920) 793-5905

Aug. 6-8 — LakeshoreWeekend for Kids, Mani-towoc Lakefront, 19th annu-al family-oriented fundrais-ing event featuring dragonboat racing, children’s enter-tainment and games, a kid’sfishing derby, live bands,silent auction, raffle, pan-cake breakfast and more. Allproceeds benefit Children’sHospital of Wisconsin. Be-gins at 5 p.m. Friday, endsat 5 p.m. Sunday, free;(920) 686-9446, [email protected]

Aug. 7 — Family ChristianConcert, Camp TaPaWingo,Live music, bring your lawnchair, food available, freeminiature golf, free, 2 to8 p.m., (920) 773-3050

Aug. 7-8 — NortheasternWisconsin Czech & Ko-lache Festival, KewauneeHeritage Farm, (920) 388-0604

Aug. 8 — Annual KiwanisCar Show, WashingtonPark, Manitowoc, 10 a.m. to4 p.m., (920) 682-9710

Aug. 9 — Bingo, MerchantsBuilding at ManitowocCounty Expo, 7 to 9:30 p.m.,(920) 683-4378

Aug. 9-15 — 92nd PGAChampionship, WhistlingStraits. Tickets are on salenow, with a variety of pack-

age options for all fans,including new ticket up-grade opportunities and ajunior ticket option.

Aug. 10 — MetroStageConcerts in the Park, Wash-ington Park, sponsored bythe Manitowoc Parks &Recreation Department, fea-turing Becky Markvart Duo,free, 6:30 p.m.

Aug. 11 — MetroStageConcerts in the Park, Wash-ington Park, featuring

Michaels Saints, free,6:30 p.m.

Aug. 12-13 — Tom Drill’sShowtime ’10, Thursdayand Friday at Riverfront byCity Hall, sponsored by theManitowoc Parks andRecreation Department.Food, music by the MarineBand, variety show on ariver barge hosted by TomDrill, free, (920) 686-0538

Aug. 12 — Music Underthe Stars, Central Park in

Two Rivers, featuring theTwo Rivers Municipal Bandhighlights concert, free, 7 to8:30 p.m., (920) 793-5590

Aug. 14 — Subculture Sat-urday, Wisconsin MaritimeMuseum, celebrate the 40thanniversary of the USSCobia’s arrival in Mani-towoc. Eat from a giant“sub” sandwich, try a triviacontest, meet World War IIre-enactors. (920) 684-0218

Aug. 14 — Member Appre-ciation Day, Lincoln ParkZoo, Lincoln Park ZoologicalSociety hosts a fun-filledday to thank everyone forsupporting the Lincoln ParkZoo, (920) 683-4685

Aug. 15 — United WayCampaign Kickoff, Mani-towoc Heritage Center, Old-fashioned pie and ice creamsocial to celebrate the 80-year anniversary. There willbe games, entertainment,and announcement of the2010 campaign goal, (920)682-8888

Aug. 17 — MetroStageConcerts in the Park, Wash-ington Park, featuring Doc &Friends, free, 6:30 p.m.

Aug. 18 — Mishicot’s Out-door Summer Concert,Mishicot Middle School,Newtonburg. Brass Bandand Zion United Methodistice cream social. Socialhour, 5:30 p.m.; concert6:30 p.m.

Aug. 19 — Music Underthe Stars, Central Park inTwo Rivers, featuring John-ny Len performing variety,country and western and re-quests,free, 7 to 8:30 p.m.,(920) 793-5590

Aug. 21 — Seventh annual

Mariners Trail-A-Thon,Woodland Drive Wayside onMemorial Drive betweenManitowoc and Two Rivers,trail walk, fun run, andScavenger Adventure, withonsite auction; proceeds goto the promotion, mainte-nance and development ofMariners Trail; register on-line or on-site, (920) 684-0828

Aug. 21 — Butterfly GardenFestival, Woodland Dunes,Learn about butterflies andthe plants that attract themat this fun family event. But-terfly and caterpillar demon-strations, butterfly art proj-ects, garden talks and toursand wildflower and butterflyhikes. 9 a.m., (920) 793-4007

Aug. 21-22 — Civil WarRemembered, PinecrestHistorical Village, Relive the-Civil War through educa-tional programs, battle re-enactments, civilian demon-strators, music, sutlers andmore. 9 a.m. to 4 p.m.

Aug. 24 — Mishicot’s Out-door Summer Concert,Mishicot Middle School, TheDel Rays, doo-wop rock ’n’roll street dance; socialhour, 5:30 p.m.; concert,6:30 p.m.

Aug. 24-29 — 2010 Mani-towoc County Fair, Mani-towoc County Expo, ag ex-hibits, youth exhibits, dis-plays, rides, musical enter-tainment and food. Fun forthe whole family. (920) 683-4378

Aug. 26 — Music Underthe Stars, Central Park inTwo Rivers, featuring RodScheuer Duo performingacoustic pop and rock, 7 to8:30 p.m., (920) 793-5590

THINGS TO DO

Kathy Krupski tries on a necklace with help from her sister,Susie Zimmermann, both of Manitowoc, as they shop during aprevious Maxwell Street Day in Two Rivers. This year’s event isscheduled for 9 a.m. to 5 p.m. Aug. 6 in downtown Two Rivers.It features sidewalk sales, food stands and a pingpong ball drop.Sue Pischke/50 Plus file photo

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Financial

Financial literacy website has new lookThere’s good news for

Americans seeking infor-mation that can help guidetheir financial decisions. Afinancial literacy educationwebsite has been re-designed to provide moreinteractive features and en-hanced utility to visitors.

The site — www.mymoney.gov — is a project ofthe Financial Literacy andEducation Commission(FLEC).

The new version of thesite creates an online pointof access for financial infor-mation from the 21 federalagencies, departments andbureaus that comprise theFLEC. Users will be able tofind information about howto plan for a host of lifeevents that have financialimplications, such as birthor adoption of a child, homeownership or retirement.

They can also find infor-mation targeted to their per-sonal or professional

situation. For instance, thesite includes resources forteachers, service members,women, parents, youth, em-ployers and more. The sitealso provides money-man-agement tools including a fi-nancial savings calculator,worksheets for establishinga household budget, and acollege preparation check-list, among others. A Span-ish language version of thematerial is also available.The effort to make the web-site helpful and useful willbe ongoing, with improve-ments expected to continue.

“As America recoversfrom the most severe finan-cial crisis since the GreatDepression, it’s critical thatwe strengthen every aspectof our financial system.That means not only strongreforms and consumer pro-tections, but also improvedfinancial literacy and ac-cess,” said Treasury DeputySecretary Neal Wolin.

“Financial education andaccess is a priority for thisadministration, and we’repleased to provide this criti-cal resource to help Ameri-cans find free, reliable andunbiased information thatcan help inform their dailyfinancial decisions and planfor the future.”

The website was madepossible by the FLEC,which was establishedunder the Fair and Accu-rate Credit TransactionsAct of 2003. The commis-sion was tasked to developa national financial educa-tion website along with ahotline (888) MyMoney anda national strategy on fi-nancial education. It ischaired by the secretary ofthe Treasury and made upof the heads of 20 addition-al federal agencies. It is co-ordinated by the Depart-ment of the Treasury’s Of-fice of Financial Educa-tion.

Annuities are in thespotlight these days as anincreasingly popular wayto help Americans achievea secure retirement.

“People are livinglonger, and the prospect ofoutliving your money isvery real,” said Rich Lind-say, senior vice presidentof Life and Annuities atSymetra Financial. “An-nuities are a great way toensure your money lastsas long as you do.”

When you buy an annu-ity, the insurance compa-ny has a contractual obli-gation to guarantee pay-ment at the time you desig-nate. Your money growstax-deferred as long as itremains in the contract.

Here's a primer to helpdetermine which type ofannuity is right for you:

æ Immediate or

deferred: First, considerwhen you will want yourmoney. If you need it rightaway, use a lump sum topurchase an immediateannuity, which starts pay-ing out within 13 months.With a deferred annuity,you invest your moneynow, let it grow over time,then convert it to an in-come stream at some pointin the future.

æ Fixed or variable: Next,

determine your risk toler-ance. Fixed annuities offera more conservative solu-tion as they build retire-ment assets at a guaran-teed interest rate. Variableannuities are riskier be-cause account values arebased on market fluctua-tions, but they do have thepotential for higher re-wards.

æ Consider your options:There are several optionsyou can add to an annuity.For example, you can ad-just payouts for inflation,select a death benefit thatpays out to your heirs, orreceive a lump sum in caseof an emergency. Extrafees may apply with someof these options. For moreinformation about annu-ities, visit www.symetra.com.North American Precis Syndicate Inc.

Which annuity is right for you?

An annuity can be a sound in-vestment for a secure retirement.

for comfort of skilled careDesigned for living with beautifully decorated and lovely gardens, Shady Lane offersskilled nursing care for short or long-term care, therapy services, social services andhospice care all at an affordable price. Medicare and Medicaid Certified.

for the joys of home without the workFrom 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 atjust $1,175 a month including meals!

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 cardiacrehabilitation. Best of all, it's affordably priced. Medicare and Medicaid Certifiedand some private insurances. In-patient or Out-patient Services.

Find out why people...

Think ofUsFirst

Manitowoc’s only not-for-profit citizen directed care facility.1235 South 24th Street • Manitowoc,WI • www.shadylaneinc.com • 920-682-8254

My kids knew they would always find me in the garden.I love flowers and gardening has always been my passion.The beautiful gardens at Shady Lane fill my heart with joy!

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Date post:	09-Mar-2016
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