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JANUARY 2015 FREE NEWS FOR BOOMERS AND BEYOND Fond du Lac Bears hockey volunteer devoted to team and program, forms close friendships Kevin ‘Keevin’ Ristau INSIDE: Healthy 2015 • Tech Talk • Marketplace • Estate Planning • Vienna • Birdfeeders • and more!
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Page 1: Experience - January 2015

JANUARY 2015 FREE NEWS FOR BOOMERS AND BEYOND JANUARY 2015 FREE

Fond du Lac Bears hockey volunteer devoted to team and program,forms close friendships

Kevin‘Keevin’ Ristau

INSIDE: Healthy 2015 • Tech Talk • Marketplace • Estate Planning • Vienna • Birdfeeders • and more!

Page 2: Experience - January 2015

2 | EXPERIENCE ACTION PUBLICATIONS | JANUARY 2015

Four simple steps to a happier, healthier 2015By Brandpoint Media

Another year is upon us, leaving plenty of time to reflect on what went

well (and not so well) in 2014. Before you start outlining your self-improvement plan for 2015, consider this: only 8 percent of people who make New Year’s resolutions actually stick to them. Control the urge to recycle annual resolutions that you know you’ll never keep. Instead, identify new opportunities to keep your body fresh and your mind focused.

mental health daysWe spend a lot of time at the

office. And if you’re clocking more than 10 hours a day, it’s likely too much. Scientists often link over-time to everything from depres-sion to cardiovascular issues. It’s no secret that we all count down the days until that next holiday vacation or summer road trip. But why wait? Don’t put off precious time away from the daily grind. Instead, avoid burnout by plan-ning a few long weekends every year that help you recharge and refocus. Whether you’re sleeping in and catching up on your DVR or connecting with old college roommates, a little R&R will do wonders for your morale.

Indoor aIr qualItyNine in 10 homeowners real-

ize poor indoor air quality can contribute to certain health issues, yet only one-quarter are worried about the air quality in their homes, according to a national survey from Broan-NuTone and Kelton. With the majority of homeowners spending 90 percent of their time indoors, it’s impor-tant to identify telltale signs of unhealthy air before they trigger health issues. If you’re noticing foggy bathroom mirrors after showering or lingering food aromas after preparing meals, chances are your home isn’t prop-erly ventilated. Protect your home and your family by updating your

try somethIng new If “learn to cook” and “lose 10

pounds” have been on your to-do list for years, it’s probably time to mix things up a bit. Be more

specific when outlining goals. For example, instead of focusing on weight loss, why not focus on new classes to try out? From cardio kickboxing to spin class to ZUMBA and yoga, there are endless oppor-tunities to get your heart rate (and your spirits) up. Check out your local gym and pledge to try something new every quarter until something sticks. As for cooking, turn it into a date night with your spouse by enrolling in a cooking class together. Or, buy a cookbook and take turns selecting new meals to prepare.

Keep in mind that you won’t do yourself any favors by shrugging off goals or not planning in advance. Set up reminders and calendar invites to help keep you on track. Better yet, outline at least one shared resolution and invite friends or family members to join in.

range hood or installing a new bath fan.

Clean out ClosetsIf you’re like most, you’re prob-

ably hanging on to one too many items that you’ve outgrown or no longer use. Free up closet space by taking inventory of any items you haven’t worn in several months. Holding on to jeans in the hopes you’ll fit into them? Donate them to someone who can wear them now and treat yourself to a new pair. Stockpiling old bridesmaid dresses? Have them altered into the ideal cocktail dress. Hoarding fashion jewelry and accessories that are no longer in style? Create a dress-up box for nieces, young cousins or students. Not only will you make more space for things you do need, de-cluttering creates feelings of happiness and accomplishment.

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Page 3: Experience - January 2015

EXPERIENCE | 3JANUARY 2015 | ACTION PUBLICATIONS

Must-have technology: making bathrooms healthier, safer, more enjoyableBy Brandpoint Media

Think home technology begins with your wireless, programmable thermostat

and ends with the high-definition, 3-D, web-enabled flat-screen TV with surround sound? Think again.

Whole home technology means using leading-edge devices to improve life in every room of the house, including the bathroom. From toilets that flush without being touched to waterproof TVs for the shower, the latest bath-room technology can make the room safer, cleaner, healthier and more enjoyable for everyone. Here is a handful of high-tech home improvements for one of the most-used rooms in any house:

Safer, healthier toiletS You don't have to be a scientist

to know the toilet is one of the most germ-filled locations in any house — even if you're meticulous about keeping it clean. Touching spreads those germs from surface to surface. Just as touch-free faucets have improved hygiene in the kitchen, a touchless flush toilet can help make the bathroom a healthier and more hygienic place.

“The toilet trip lever is an obvi-ous area of hygienic concern,” says Brian Hedlund, marketing manager of Kohler toilets and bidets. “Touchless takes that concern out of the equation, using new technology to provide a touch-less way to control the flush.”

Kohler’s touchless sensor creates a precise electromagnetic field that accurately and reliably detects when users hold their hands above the toilet to trigger the flush. The company’s Cimarron toilet comes with touchless tech-nology already installed, and virtu-ally any single-flush toilet with a

Also from Kohler, the Nightlight Toilet Seat illuminates the seat with two gentle, blue LED lights, one to help you see the toilet area and the other to light the bowl once the lid is opened. The seat provides enough light to enhance nighttime safety and eliminates the need to turn on brighter, over-head lights that could disrupt your ability to go back to sleep.

the extraSAmericans do much more in

bathrooms than simply “take care of business.” The bath is also a hub for personal health, where we weigh ourselves and care for our mental health with relaxation. Extras like towel warmers, TVs and high-tech scales add a touch of luxury to the bathroom.

Towel warmers have been around for centuries; wealthy 19th century and early 20th century homes were often outfitted with warmers that used a home’s steam heat system. Today, towel warm-

canister or flapper-type flush can be retrofitted to work with the Kohler Touchless Flush Kit. The sensor runs on four AA alkaline batteries, which power the sensor for six to 12 months, depending on the volume of use.

ers feature several improvements such as high-tech warming bars, detailed temperature controls with multiple settings, timers and energy-efficient features.

Most people weigh themselves in the bathroom, and technology has also touched the traditional bathroom scale. It’s easy to find visually appealing scales that serve multiple functions besides simply displaying your weight. From scales that also measure body mass index (BMI) to wire-less-enabled models that allow you to track your weight loss, BMI and other health indicators with a smartphone app, bathroom scales are more user-friendly than ever.

Finally, technology has made it possible to shave, shower or relax in the tub while never missing your favorite TV show. You can opt for a waterproof television that you can watch while showering, or choose a medicine cabinet that features an LCD TV screen in a mirrored door.

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Page 4: Experience - January 2015

4 | EXPERIENCE ACTION PUBLICATIONS | JANUARY 2015

January Calendar3 • Indoor Farmers market – 9 a.m. to 12:30 p.m.,Indoor Farmers Market, 90 S. Main St. Shoppers will see several familiar vendors including Produce with a Purpose, Cup O’Joes delicious coffee, John and Tracy Salter’s beef and poultry, the Amish bakery and many more vendors! The Farmers Market will continue all year round and shoppers are encouraged to check out the new indoor market to find produce all winter long, crafts, honey, maple syrup, meats and baked goods.  8 • BrIdal FaIre 2015 – 4 to 7 p.m., Holiday Inn, 625 W Rolling Meadows Dr. Designed for couples planning a wedding. Meet jewelers, florists, caterers, musicians, stenographers, printers, photographers and professional wedding planners. 

9-10 • Foot oF the lake synchronIzed skatIng classIc – 9 a.m. to 5 p.m., FDL Blue Line Family Ice Center, 550 Fond du Lac Avenue Come watch nationally competing synchronized skating teams perform in this daylong event. Concessions available. 16 • tour the town art walk – 5 to 8 p.m., Downtown Fond du Lac, 130 S. Main St. Stroll historic downtown Fond du Lac during Tour the Town, held the third Friday of every month from 5-8 p.m. All manner of artists - from painters, to jewelry makers, to mixed media artists, to cheese artisans, and every medium in between - grace our downtown’s venues with their wares for purchase. Free.

24 • snowshoe the gottFrIed PraIrIe and arBoretum – 1 to 3 p.m., Gottfried Prairie and Arboretum, 400 University Dr. Snowshoe through the prairie and arboretum while looking for animal tracks and other signs of wildlife. We will also examine the arboretum’s dormant trees and explore ways to identify them by looking at their buds, twigs and bark. Snowshoes will be provided by the gracious donation of Attitude Sports of Fond du Lac. Registration is required. No dogs. Call (920) 313-0190. 25 • chamBer concert – 3 p.m., Church of Our Saviour, 363 S. Main St. Soloists and ensembles from the Symphonic Band, preceded by a recital on the church’s German-built tracker organ.  30 • BIg mouth and the Power tool horns – Thelma Sadoff Center for the Arts, 51 Sheboygan St., 7 p.m. Bar Opens; Performance 8 p.m., $20 (THELMA Members 40 percent discount). An eclectic mix of blues,

17 • candlelIght snowshoe/hIke – 6 to 9 p.m., Horicon Marsh Int’l Education Center, N7725 Highway 28 Horicon. Hiking and snowshoeing by candlelight, a roaring bonfire, roasted marshmallows and warm refreshments await couples, singles and families at the 5th Annual Horicon Marsh Candlelight Hike/Snowshoe. The Education Center will open for people to warm up, view the 20 minute “Horicon Marsh Story”, visit the gift shop or have the kids do a fun craft to bring home! Other activities include, stargazing with Northern Cross Science Foundation, owl talks on the trails, learn about Wisconsin’s mammals on the short “Family Loop” trail and you can buy a warm beverage and light snacks inside the center. Snowshoes

available on first-come basis.  17-18 • central wIsconsIn gun collectors show – Saturday 8 a.m. to 5 p.m.; Sunday 8 a.m. to 3 p.m., FDL County Fairgrounds Expo Center, 601 Martin Ave. Buy, sell or trade guns and accessories at the largest gun show in Wisconsin. 24 • wIne around the world – 6 p.m., Thelma Sadoff Center for the Arts, 51 Sheboygan St. Discover great wines from around the world and tasty hors d’ oeuvres while viewing featured art. This annual signature wine tasting event offers over 100 different wines and carefully selected beers from around the world with unlimited tastings. An evening for everyone!

Compiled by the Fond du Lac Area Convention & Visitors Bureau. For detailed information visit www.fdl.com or call (920) 923-3010.

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Page 5: Experience - January 2015

EXPERIENCE | 5JANUARY 2015 | ACTION PUBLICATIONS

24 • SNOWSHOE THE GOTTFRIED PRAIRIE AND ARBORETUM – 1 to 3 p.m., Gottfried Prairie and Arboretum, 400 University Dr. Snowshoe through the prairie and arboretum while looking for animal tracks and other signs of wildlife. We will also examine the arboretum’s dormant trees and explore ways to identify them by looking at their buds, twigs and bark. Snowshoes will be provided by the gracious donation of Attitude Sports of Fond du Lac. Registration is required. No dogs. Call (920) 313-0190.

25 • CHAMBER CONCERT – 3 p.m., Church of Our Saviour, 363 S. Main St. Soloists and ensembles from the Symphonic Band, preceded by a recital on the church’s German-built tracker organ. 

30 • BIG MOUTH AND THE POWER TOOL HORNS – Thelma Sadoff Center for the Arts, 51 Sheboygan St., 7 p.m. Bar Opens; Performance 8 p.m., $20 (THELMA Members 40 percent discount). An eclectic mix of blues,

jazz, funk and original music. Don’t miss the debut of this nine-piece band at THELMA!

31 • OWL PROWL – 3 to 8 p.m., Horicon Marsh Int’l Education Center, N7725 Highway 28 Horicon. Two-part fi eld trip, come to one or both parts. At 3 p.m. meet at the parking lot to drive in search of owls. At 6:30 p.m. meet in the auditorium for a program and hike to call for owls. Free. 

31 • INDOOR FARMERS MARKET – 9 a.m. to 12:30 p.m., 90 S. Main St.Shoppers will see several familiar faces from the summer market including Produce with a Purpose, Cup O’Joes delicious coffee, John and Tracy Salter’s beef and poultry, the Amish bakery and their infamous doughnuts and pies and many more vendors! The Farmers Market will continue all year round and shoppers are encouraged to check out the new indoor market to fi nd produce all winter long, crafts, honey, maple syrup, meats and baked goods.

Hockey ActionFond du Lac Bears FDL Blue Line Family Ice Center, 550 Fond du Lac Ave.

Looking for some excitement? How about watching the second oldest amateur hockey team in the nation take to the ice? The Fond du Lac Bears are a full-check hockey team participating in the Great Lakes Hockey league. They play competition from all over the country in a hard-hitting, fast-paced game. Admission is charged.● Jan. 2 – Fondy Bears vs. Eagle River, 8 p.m. ● Jan. 3 – Fondy Bears vs. West Bend, 8 p.m.● Jan. 17 – Fondy Bears vs. Monroe, 8 p.m.● Jan. 24 – Fondy Bears vs. West Bend, 8 p.m.● Jan. 31 – Fondy Bears vs. De Pere, 8 p.m.

Hockey Tournaments● Jan. 3-4 – Pee Wee A New Year’s Hockey Tournament, FDL Blue Line Family Ice Center, 550 Fond du Lac Ave. ● Jan. 16-18 – Don Kohlman No Check Adult Hockey Tournament, FDL Blue Line Family Ice Center, 550 Fond du Lac Ave. Veteran players competing for the chance to win the 2015 Kohlman Cup! Adult hockey tournament features teams from all over the Midwest.

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Page 6: Experience - January 2015

Story by Lois A. Pfl um I Photos by Doug Rafl ik/Action Reporter Media

EXPERIENCE | 7JANUARY 2015 | ACTION PUBLICATIONS

Kevin ‘Keevin’ Ristau30 years of dedication has formed many close friendships for Fondy Bears volunteer

6 | EXPERIENCE

A beautiful facility located on Fond du Lac Avenue is like a second home to Kevin “Keevin” Ristau, 55, of Fond du Lac. Among

a multitude of polished trophies in all sizes is where Keevin spends 15 to 20 hours a week, hanging out with members of the Fond du Lac Bears hockey team, the coach and the manager. Keevin has spent more than half his life in this comfortable environment, as a well-known volunteer.

Born in California, he moved to Fond du Lac many years ago when his mother returned to her roots. He has a brother, Mark, and a sister, Deb. He grew up in Fond du Lac, and graduated from Goodrich High in 1979. Keevin has been employed by Agnesian Healthcare for 32 years in the food service department.

Keevin became interested in the Blue Line hockey players when he was working out at the Scandia Spa, which was located at Cobblestone Square. The Steffes boys, Joe and Jeff, now deceased, befriended him and invited him down to the hockey rink to watch the games. Keevin became hooked on the sport, and even now, continues to put his heart and soul into it.

Keevin quipped, “Now I am part of the program,” and as the story goes — the rest is history. He unassumingly (modestly) related his story. His long-time association with the Bears occupies much of his time. He commented, “Many people do not know that the Fond du Lac youth hockey program is the No. 1 program in the state. Bears coach, Scott Holmes clarifi ed this by adding, “It’s one of the best.”

When asked how he got the name Keevin, he simply stated, “There were two Kevins and they started to call me Keevin, and the name stuck.”

Attend a game!Fond du Lac Bears 2014-2015 seasonFor a complete schedule of Fond du Lac Bears hockey games, go to fdlblueline.com or see the calendar of home games on page 5 in this issue of Experience.

call the ‘Keevin Cup.’” We invite four teams from our league, and the winner receives the “Keevin Cup.” Holmes explained, “It is similar to the Stanley Cup, only like a miniature version.” He continues, “This event started in 2010 and the Bears have won the coveted cup three years in a row.” He has high hopes of winning again.

Keevin went on to explain that there are fi ve players and a goalie that “work” the rink (participate in the game) in three different periods. The ages of the players range from 19 to about 32 years old. He knows all the players by name, unless it is a new player. No doubt, he will quickly learn that player’s name, as well.

For a guy who admitted he never even ice skated as a youngster, his devotion and love for the Bears and the team is phenomenal. When asked what his favorite thing about the Bears is, he quickly replies, “Talking to the players and the ticket takers.” He calls many of them his ”special friends.”

Holmes and the team members have a lot of love and respect for Keevin. When his stepfather passed away in March 2013, he was humbled when all the team members attended the funeral.

Keevin’s favorite pastime when he is not at the hockey rink is watching baseball. He has managed the softball team for Miller’s Pub (formerly Annie’s on the Avenue) the past fi ve years. He also enjoys attending some Fondy football games, and has proudly commented he attended one Badgers and one Packers game. After the hockey season ends in March, Keevin is content to just relax and watch TV.

When asking Keevin if he has any future goals, he half-joked, “Maybe drive the Zamboni someday.” He explained, “I call it a ‘big vacuum’ because it resurfaces the ice.”

“Keevin Cup.” Holmes explained, “It is similar to the Stanley Cup, only like a miniature version.” He continues, “This event started in 2010 and the Bears have won the coveted cup three years in a

Keevin went on to explain that there are fi ve players and a goalie that “work” the rink (participate in the game) in three different periods. The ages of the players range from

Pub (formerly Annie’s on the Avenue) the past

Kevin Ristau talks to a player while attending a Fond du Lac Bears hockey practice.

Kevin Ristau is a proud volunteer of the Fond du Lac

Bears hockey team and is honored to have a tournament

trophy named after him.

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Friendly and outgoing as he is, he just accepted that.

Holmes said, Keevin is part of the team. He continued, “He helps me out a lot. He manages the 50-50 raffl es at the games, helps out with practices and games, fi lls the water bottles, and on occasion, will give pep talks to the players between the periods.”

Not only does he show up at all the games and practices, he continues to promote and support the team. He loves the high energy and excitement and said the cold doesn’t bother him. He just dresses for it.

Hockey season for the Bears begins in October and goes through March, with tournaments that draw players and fans from all over. Holmes said, “We kick off the season in October with what we

He has served on the board of directors for Blue Line Hockey for about 20 years. Offi cers are Dave Mulder, president; Tim Pickart, vice-president; Donna Whealon, secretary; and Steve Little, treasurer. Ryan Blick is the rink manager.

There are two smaller ice rinks besides the large one where

practices, games and tournaments are held — the bleachers are usually

packed during the tournaments. The Fond du Lac community can be very proud of the Blue Line hockey rinks, which also has a concession stand for visitors.

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Page 7: Experience - January 2015

Story by Lois A. Pfl um I Photos by Doug Rafl ik/Action Reporter Media

EXPERIENCE | 7JANUARY 2015 | ACTION PUBLICATIONS

Kevin ‘Keevin’ Ristau30 years of dedication has formed many close friendships for Fondy Bears volunteer

6 | EXPERIENCE

A beautiful facility located on Fond du Lac Avenue is like a second home to Kevin “Keevin” Ristau, 55, of Fond du Lac. Among

a multitude of polished trophies in all sizes is where Keevin spends 15 to 20 hours a week, hanging out with members of the Fond du Lac Bears hockey team, the coach and the manager. Keevin has spent more than half his life in this comfortable environment, as a well-known volunteer.

Born in California, he moved to Fond du Lac many years ago when his mother returned to her roots. He has a brother, Mark, and a sister, Deb. He grew up in Fond du Lac, and graduated from Goodrich High in 1979. Keevin has been employed by Agnesian Healthcare for 32 years in the food service department.

Keevin became interested in the Blue Line hockey players when he was working out at the Scandia Spa, which was located at Cobblestone Square. The Steffes boys, Joe and Jeff, now deceased, befriended him and invited him down to the hockey rink to watch the games. Keevin became hooked on the sport, and even now, continues to put his heart and soul into it.

Keevin quipped, “Now I am part of the program,” and as the story goes — the rest is history. He unassumingly (modestly) related his story. His long-time association with the Bears occupies much of his time. He commented, “Many people do not know that the Fond du Lac youth hockey program is the No. 1 program in the state. Bears coach, Scott Holmes clarifi ed this by adding, “It’s one of the best.”

When asked how he got the name Keevin, he simply stated, “There were two Kevins and they started to call me Keevin, and the name stuck.”

Attend a game!Fond du Lac Bears 2014-2015 seasonFor a complete schedule of Fond du Lac Bears hockey games, go to fdlblueline.com or see the calendar of home games on page 5 in this issue of Experience.

call the ‘Keevin Cup.’” We invite four teams from our league, and the winner receives the “Keevin Cup.” Holmes explained, “It is similar to the Stanley Cup, only like a miniature version.” He continues, “This event started in 2010 and the Bears have won the coveted cup three years in a row.” He has high hopes of winning again.

Keevin went on to explain that there are fi ve players and a goalie that “work” the rink (participate in the game) in three different periods. The ages of the players range from 19 to about 32 years old. He knows all the players by name, unless it is a new player. No doubt, he will quickly learn that player’s name, as well.

For a guy who admitted he never even ice skated as a youngster, his devotion and love for the Bears and the team is phenomenal. When asked what his favorite thing about the Bears is, he quickly replies, “Talking to the players and the ticket takers.” He calls many of them his ”special friends.”

Holmes and the team members have a lot of love and respect for Keevin. When his stepfather passed away in March 2013, he was humbled when all the team members attended the funeral.

Keevin’s favorite pastime when he is not at the hockey rink is watching baseball. He has managed the softball team for Miller’s Pub (formerly Annie’s on the Avenue) the past fi ve years. He also enjoys attending some Fondy football games, and has proudly commented he attended one Badgers and one Packers game. After the hockey season ends in March, Keevin is content to just relax and watch TV.

When asking Keevin if he has any future goals, he half-joked, “Maybe drive the Zamboni someday.” He explained, “I call it a ‘big vacuum’ because it resurfaces the ice.”

“Keevin Cup.” Holmes explained, “It is similar to the Stanley Cup, only like a miniature version.” He continues, “This event started in 2010 and the Bears have won the coveted cup three years in a

Keevin went on to explain that there are fi ve players and a goalie that “work” the rink (participate in the game) in three different periods. The ages of the players range from

Pub (formerly Annie’s on the Avenue) the past

Kevin Ristau talks to a player while attending a Fond du Lac Bears hockey practice.

Kevin Ristau is a proud volunteer of the Fond du Lac

Bears hockey team and is honored to have a tournament

trophy named after him.

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Friendly and outgoing as he is, he just accepted that.

Holmes said, Keevin is part of the team. He continued, “He helps me out a lot. He manages the 50-50 raffl es at the games, helps out with practices and games, fi lls the water bottles, and on occasion, will give pep talks to the players between the periods.”

Not only does he show up at all the games and practices, he continues to promote and support the team. He loves the high energy and excitement and said the cold doesn’t bother him. He just dresses for it.

Hockey season for the Bears begins in October and goes through March, with tournaments that draw players and fans from all over. Holmes said, “We kick off the season in October with what we

He has served on the board of directors for Blue Line Hockey for about 20 years. Offi cers are Dave Mulder, president; Tim Pickart, vice-president; Donna Whealon, secretary; and Steve Little, treasurer. Ryan Blick is the rink manager.

There are two smaller ice rinks besides the large one where

practices, games and tournaments are held — the bleachers are usually

packed during the tournaments. The Fond du Lac community can be very proud of the Blue Line hockey rinks, which also has a concession stand for visitors.

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Page 8: Experience - January 2015

8 | EXPERIENCE ACTION PUBLICATIONS | JANUARY 2015

By Isabell M. Mueller, attorney

One of the biggest misconceptions about estate planning is that it is

only important for those who are married. In fact, estate planning is just as crucial for single individuals.

With married couples, if one spouse becomes incapacitated and does not have power of attorney documents in place, there is still the natural assumption that the court will appoint other spouse as guardian. It is a more complicated situation when a single individual becomes incapacitated. By law, the individual’s parents are the next-of-kin, but they may not be in a position to take on that additional responsibility. Perhaps the incapacitated individual would have preferred someone closer in age, such as a sibling. However, neither the family, nor the court

FUNERAL & ESTATE PLANNING

❚ LIFE❚ LOVE❚ LOSS❚ LEGACY

Asset, estate planning is essential for singles“default” plan for dealing with an individual’s incapacity or death. However, with single individuals this “default” plan is even less likely to resemble the desired outcome than with married individuals. The only way for a single individual to truly control that outcome is to put a proper estate plan in place.

would have any way of knowing this. For this reason it is perhaps even more important for singles to execute fi nancial and health care powers of attorney than for married individuals.

Similar issues arise when a single individual passes away without an estate plan in place. Assets that name a specifi c benefi ciary, such IRAs or life insurance will be distributed to the person(s) named. However, assets that do not have benefi ciary designations, such as real estate, bank or brokerage accounts, will go through the probate process and Wisconsin law will control who benefi ts. If the deceased had children, the assets will go to the children, who will then receive their inheritance outright or when they reach age 18. If the deceased did not have children, his or her parents will be the benefi ciaries. If the parents are

also deceased, then siblings, or even nieces and nephews, will receive the estate, which may not be what was intended. Further, if any of these individuals receive government benefi ts, this unplanned inheritance will almost certainly interfere with those benefi ts.

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Page 9: Experience - January 2015

EXPERIENCE | 9JANUARY 2015 | ACTION PUBLICATIONS

Important steps for Marketplace enrolleesBy Julie A. Hilbert, senior benefi t specialist

Mary Agnes Cary recently published a very helpful fi ve step checklist on

Kaiser Health News for new and already enrolled individuals looking at Marketplace insurance.  The relevant portions of the article are below and can also be found on KaiserHealthNews.org.

SHOP AROUNDJust because you’re enrolled

in a policy now doesn’t mean it’s the best deal for you next year. If you’re currently in the federal Marketplace and don’t take any action, you’ll be re-enrolled in the same plan you’re in now.  Federal offi cials, as well as many analysts, are urging consumers to go back to the exchanges to compare plans and prices. You might discover that you have more — or different — choices than you had a year ago.

DON’T GET BILLED TWICEInsurers have expressed concerns

that if a consumer changes plans, problems with the federal website might keep insurers from learning of the change and consumers could get billed for both plans. Keep your proof of payment to answer any billing questions. Further, once you’ve cancelled the old policy, watch your credit card statements or, if the payment was deducted directly from a bank account, watch those charges to make sure you aren’t paying for two policies. And don’t cancel your current insurance until you have confi rmation from your new carrier that you’re covered. 

FIND OUT IF YOU QUALIFY FOR FINANCIAL HELP

Enter your most up-to-date income information on healthcare.gov or with your state exchange to see if you are entitled to receive a tax credit toward the cost of your

health insurance. Even if you are like the majority of those enrolling in marketplace plans who receive a subsidy, update your income to make sure you get the correct amount next year. This is important because if you get too much of a subsidy, you’ll have to repay it when you fi le your taxes the following year.

KNOW ALL COSTSIt’s not just the monthly premium

that will cost you. Understand a policy’s out-of-pocket costs — like co-pays, co-insurance, and deductibles — before you enroll.  The health law allows out-of-pocket maximum caps of $6,600 for an individual policy and $13,200 for a family policy in 2015, but some of your health care expenses — including out of-network care — might not be included in that cap. 

● Work with a local insurance agent or broker.

● Find one of the law’s trained navigators or assistors.

● Call the federal consumer assistance center at (800) 318-2596 for extra help or to fi nd out if you eligible for a subsidy. Folks there can also help you enroll in a health plan or in Medicaid — the federal-state program for low-income people — if you qualify.

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Fond du Lac County Senior Dining MenuJANUARY 1New Year’s Day

JANUARY 2Chicken Breast, Mashed Potatoes, BabyCarrots, Pecan Pie, Petite Banana*, Sliced

Bread

JANUARY 5Glazed Ham, Au Gratin Potatoes, Mixed

Vegetables, Fruited Gelatin, Frosted Cake*,Sliced Bread

JANUARY 6Chicken Tetrazzini, Casserole, Broccoli

Cuts, Choc. Banana Torte, Seedless Grapes,Dinner Roll

JANUARY 7Pork Jaegerschnitzel, Mashed Potatoes,Pickled Beet Salad, Applesauce, Cookie*,

Sliced Bread

JANUARY 8Pot Roast, Baby Red Potatoes, Carrots,

Birthday Cake, Apricot Halves*, Dinner Roll

JANUARY 9Crispy Fish Fillet, Sour Cream and ChivePotatoes, Peas and Carrots, Pear Slices,

Orange Sherbet*, Sliced Bread

JANUARY 12Country Fried Steak, Mashed Potatoes,Spinach Salad with Rasp. Vinaigrette,

Fudge Brownie, Pineapple Tidbits*, SlicedBread

JANUARY 13Meatloaf, Baked Potato, Green Beans,Fruited Gelatin, Cookie*, Dinner Roll

JANUARY 14Baked Chicken, Twice Bk Style Pot.,

Copper Penny Salad, Tapioca Pudding, FruitCocktail*, Sliced Bread

JANUARY 15Lasagna Casserole, Italian Blend,

Vegetables, Cantaloupe Slice, CinnamonRoll*, French BreadJANUARY 16

BBQ Meatballs, Baby Red Potatoes, Corn,Carrot Cake w/ Cr. Cheese Frosting, Plum

Halves*, Sliced BreadJANUARY 19

Beef Stew, Winter Blend, Vegetables, PeachSlices, Ice Cream Cup*, Cheddar Biscuit

JANUARY 20Pork Steak, Mashed Potatoes, Red

Cabbage, Key Lime Pie, Applesauce*,Dinner Roll

JANUARY 21Chicken Teriyaki, Baked Potato, ChineseRamen Sal., Pineapple Tidbits, Cookie*,

Sliced BreadJANUARY 22

Salisbury Steak, Mashed Potatoes, Peasand Carrots, Molasses Cookie, Pear Slices*,

Dinner RollJANUARY 23

Chicken, Broccoli and Rice Casserole,Tossed Salad, Mand. Orange Gel., Frosted

Cake*, Sliced BreadJANUARY 26

Swedish Meatballs, Mashed Potatoes,Calif. Blend Veg., Chocolate Torte, Seedless

Grapes*, Sliced BreadJANUARY 27

Smoked Sausage, Baby Red Potatoes,Carrots, Applesauce, Cookie*, Dinner Roll

JANUARY 28Baked Chicken, Twice Bk Style Pot.,German Cole Slaw, Butterscotch Pud.,

Honeydew Melon*, Sliced BreadJANUARY 29

Ham Rolls, Cheesy Potato Bake, Peas/PearlOnions, Fruited Gelatin, Cinnamon Roll*,

Dinner RollJANUARY 30

Swiss Steak, Mashed Potatoes, MixedVegetables, Coconut Cream Pie, Petite

Banana*, Sliced BreadMeal Sites: FOND DU LAC – RiverviewApartments, 101Western Ave.,Mon-Fri 11:45am;Westnor Apartments, 653WArndt 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 – RussellManor, 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 mealcontains 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 SeniorCenter, 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.

Page 10: Experience - January 2015

10 | EXPERIENCE ACTION PUBLICATIONS | JANUARY 2015

By Brandpoint Media

Winter is the time of year when birds need you most and when you have the greatest chance of attract-ing them to your backyard. As your backyard

fi lls with wild birds, their plumage and songs can brighten dreary

winter days.

FEED WITHOUT GUILT!There is absolutely no

research that shows wild birds will become lazy if you

feed them. Nor will they forego migrating in favor of hanging around your backyard.

AVIAN JUNK FOODBirdfeed that contains cheap

fi llers won’t attract or satisfy birds, and they will either look elsewhere for

food, or — if they’re really feeling win-ter’s pinch — eat at your feeder but leave

a mess of fi ller uneaten on the ground. Birds also love suet, which gives them much-needed stores of fat. Seeds with a high fat content are best during

winter, so look for options like black oil sunfl ower seed, Niger seed, raw peanuts and suet cakes.

BIRDFEEDER CLEANLINESSCleaning minimizes mold, mildew and other unhealthy

conditions that could make backyard birds sick. Consider an easy-to-clean, hassle-free feeder that has a quick-clean feature. Remember to throw away any seed left over when cleaning, and let the feeder dry thoroughly before refi lling, so there’s less chance of seed becoming encased in ice.

FRESH, UNFROZEN WATER Use fountains or spritzers in your birdbath to attract

thirsty birds. You can also use a heated birdbath to ensure feathered visitors never have to contend with frozen water.

BIRDFEEDER SAFETYBe sure to place birdfeeders away from structures that

could provide a haven for avian predators, like cats or hawks. Be mindful of proximity to your house and the risk that birds might fl y into windows if feeders are too close to your home.

Winter is a great time to nurture your love of bird feeding and bird watching. Plus, you’ll have the satisfaction of know-ing you’re helping your feathered friends during the season when they need it most. Visit coleswildbird.com to learn more.

Turn your yard into a winter wonderland for birds Vienna! A Slow Waltz …By Brandpoint Media

Winter is the time of year when birds need you most and when you have the greatest chance of attract-ing them to your backyard. As your backyard

fi lls with wild birds, their plumage and songs can brighten dreary

winter days.

birds will become lazy if you feed them. Nor will they forego migrating in favor of hanging around your backyard.

AVIAN JUNK FOODBirdfeed that contains cheap

fi llers won’t attract or satisfy birds, and they will either look elsewhere for

food, or — if they’re really feeling win-ter’s pinch — eat at your feeder but leave

a mess of fi ller uneaten on the ground. Birds also love suet, which gives them much-needed stores of fat. Seeds with a high fat content are best during

Turn your yard into a winter wonderland for birds

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Pam Tollefson355 N PetersSuite 100Fond du Lac, WI54935(920) 921-6095

Steven Millin,AAMS68 N. Main StreetFond du Lac, WI54935(920) 923-0970800-743-2996

Adam VandeSlunt,AAMS1005 W. Main StWaupun, WI 53963(920) 324-2530888-324-2535

Rich Matravers404 E. Main StreetWaupun, WI 53963(920) 324-9002800-441-6143

Ben Baertschy928 S. Main StreetSuite 600Fond du Lac, WI54935(920) 923-1020

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Jeff Wills928 S. Main StSuite 600Fond Du Lac, WI54935(920) 923-1020

Page 11: Experience - January 2015

EXPERIENCE | 11JANUARY 2015 | ACTION PUBLICATIONS

When I was a teenager, before we could go out with our friends to a movie or dance on Friday nights, we had to clean

the house. There were six of us and we were all highly motivated to get it done. To lift our spirits one of us would put on a stack of records. In between “South Pacifi c” and “West Side Story” we would sandwich in an album of “Strauss Waltzes from the Vienna Woods.” I recall whirling around cleaning to the music!

Never in my life did I envision myself someday actually attending a concert in the Vienna Concert Hall listening to an orchestra playing “The Blue Danube Waltz” by Johann Sebastian Strauss, then known as the Waltz King of his time. Our group enjoyed this special evening even more when at the intermission we were served champagne under a full moon on the outdoor balcony.

Vienna as a city has a great deal to see and experience. We toured the palace and gardens of Schonbrunn, the summer residence of the Hapsburg. The Hapsburg Dynasty ruled Bavaria

Schlosspark Schonbrunn and Gloriette in Vienna, Austria. GETTY IMAGES

Vienna! A Slow Waltz …By Valerie Graczyk, Someday Travel

for 700 years. Every Sunday at Mass in the chapel, the renowned Vienna’s Boys Choir performs. The Empress Maria Theresa ruled for 40 years. Her youngest daughter was Marie Antoinette, who would become Queen of France.

Another part of our tour was the

Hundertwasser-Krawina House, created by the controversial Viennese artist Friedensreich Hundertwasser. This artist designed a colorful building without any right angles or straight walls. To view photos from our trip visit somedaytravel.com.

Osborns celebrate5 generationsThe Osborn family of Fond du Lac, gathered recently to celebrate fi ve generations. Irene Herr, 100, seated, holds her 14th great-great-grandchild, Monty Richardson, born July 7. From left: Grandfather Dean Osborn; great-gra ndmother Kathleen Osborn; and mother Samantha Richardson.

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Page 12: Experience - January 2015

12 | EXPERIENCE ACTION PUBLICATIONS | JANUARY 2015

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