B loomington senior Steve A Special Section Highlighting Senior Lifestyles This month’s focus: Summer Fun BY EMILY HEDGES CONTRIBUTING WRITER PALADIE: TO PAGE 3
A Special Section Highlighting Senior Lifestyles B loomington senior Steve Paladie’s advice to anyone in retirement – be a little bit selfish. The 69-year-old points out that by that age, you’ve probably spent your life doing for others. Retirement is the time to do the things you always wanted to do and have fun, and his friends and family couldn’t agree more. “You worked your whole life. You might as well reap the ben- efits,” said Paladie, the father of three. “The people I value Advice to fellow seniors: ‘Be a little bit selfish’ BY EMILY HEDGES CONTRIBUTING WRITER PALADIE: TO PAGE 3 This month’s focus: Summer Fun
Transcript
A Special Section Highlighting Senior Lifestyles
Bloomington senior StevePaladie’s advice to anyone
in retirement – be a little bitselfish. The 69-year-old pointsout that by that age, you’veprobably spent your life doingfor others. Retirement is thetime to do the things youalways wanted to do and havefun, and his friends and familycouldn’t agree more.“You worked your whole life.
You might as well reap the ben-efits,” said Paladie, the fatherof three. “The people I value
Advice to fellow seniors:
‘Be a littlebit selfish’
BY EMILY HEDGESCONTRIBUTING WRITER
PALADIE: TO PAGE 3
This month’s focus: Summer Fun
2 Mature Lifestyles– Thursday, July 19, 2012 - Sun Current Central www.Central.mnSun.com
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www.Central.mnSun.com Sun Current Central - Thursday, July 19, 2012– Mature Lifestyles 3
and that value me agree with it. I guessI have good kids and friends.”
These days, the retired computeroperator spends his “selfish” timebeing physically active, a lifestyle hebegan later in life.
“I turned jock in my early 40s. Beforethat, I was a cerebral guy,” said Paladiewho served in the Navy during theCuban Missile Crisis. “I got into run-ning marathons.”
His change in lifestyle happened afterhis divorce, and the death of his fatherdue to a massive heart attack.
“My kids tell me I was a basket casein my 40s,” he said. “I think it wasbecause of that my competitive juicesstarted flowing.”
At that time, he also began to look atthe rewards, versus the effort, of try-ing to crawl up the corporate ladder.
“I came up with a different route. Istarted running and it all evolved fromthere,” he said.
He likes to be outside as much as pos-sible during the summer. While he nolonger runs fullmarathons, he com-petes in shorter runsand triathlons.
“I like being able totrain by yourself. Somany activitiesrequire a group or ateam. I like being onmy own, not depend-ent on others,” hesaid.
He’s found as theyears go by the num-ber of adults compet-ing in his age bracket are dwindling.
“I’m not that great, but I’m durable.Probably because I go slow,” he said.
He recently took first place in his agedivision in White Bear Lake’s OptumManitou run. But he points out that hewas the only entry.
“At my age, there are small numbersand determined people,” he said.
His next event is an adventure runnear Alexandria. “I get to crawlthrough the mud, climb over fences,”
he said. “How oftendo adults get to runand slop through pud-dles?”
Finding enjoymentin youthful activitieshas given Paladiesomething in com-mon with his grand-kids.
“They give me thegreatest encourage-ment. My grandson isa fast runner. He andI can poke fun at each
other,” he said.Paladie also loves swimming, hiking,
dog walking, and cross-country skiing,but not all of Paladie’s activities aresolitary. He enjoys putting his hikingand biking skills to use by volunteer-ing with Three Rivers Park District,
where he patrols the walking trails toHyland Park and along the light rail,directing people and maintaining apresence.
“I enjoy interacting with people andanswering their questions,” he said.
Paladie’s other love is traveling. Hislatest trip was to Costa Rica where hewent zip lining, swimming, horsebacktrail riding, and white-water rafting.Some of his other memorable tripsinclude Italy, Greece, Croatia and theDominican Republic.
Paladie points out that he is not awealthy person. He credits an under-standing of his priorities with his abil-ity to travel the world.
“I’m more of a do-er than a have-er. Idon’t own a home. I don’t have fancycomputers,” he said. “I’m reaping therewards of being frugal.”
For Paladie, the rewards of retire-ment are well worth the sacrifice.
“I’m enjoying it. I’m healthy and ableto do what I want to do. I couldn’t imag-ine life being much better than it isright now,” he said.
Bloomington sen-ior Steve Paladiezooms down thebicycle trail. ForPaladie, being‘selfish’ meansbeing physicallyactive and com-petitive.
(Photos by PaulGroessel – Sun
Newspapers)
PaladieFROM PAGE 1
‘I’m healthy and ableto do what I want to
do. I couldn’t imaginelife being much betterthan it is right now.’
-Steve Paladie
4 Mature Lifestyles– Thursday, July 19, 2012 - Sun Current Central www.Central.mnSun.com
You’re never too old to dream about being a rock starBY EMILY HEDGES – CONTRIBUTING WRITER
When St. Louis Park resident EdHollinger bought his first drum kit onEbay at 45 years old, he had no idea itwould lead to the fulfillment of achildhood fantasy.
Now the physician’s assistant forNorth Memorial Hospital spendsnights and weekends playing old-school AC/DC tunes in band called OldVoltage, and loving every minute of it.
Hollinger’s experience on stagebegan when he signed up for theAC/DC tribute camp at St. Louis Park-based Rock Camp for Dads. Opened in2009, Rock Camp for Dads offers sixcamps each month geared to beginner,intermediate and advanced skill lev-els.
“We’re all about living the dream ofa rock star,” said Camp CounselorDenise “Rock Mama” Ryan. “It’s guysgetting together who had put theirinstruments in the closet for work andraising kids.”
That’s where Rock Camp for Dadscomes in. One night a week for four
Old Voltage pictured here from left to right: Chris Henze, Jerry Beach, Phil Vanner (front), Ed Hollinger, Dave Wilwert.ROCK CAMP: TO PAGE 6
www.Central.mnSun.com Sun Current Central - Thursday, July 19, 2012– Mature Lifestyles 5
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6 Mature Lifestyles– Thursday, July 19, 2012 - Sun Current Central www.Central.mnSun.com
weeks, musicians go to the fullyequipped studio for instruction andrehearsal. Each camp culminates witha gig at a local bar.
“Fifty-five percent come back and doit over and over. It’s the man cave,” saidRyan. “It fills a void for so many people.Not a want, but a need.”
While Hollinger had never playeddrums before purchasing his drum kid,drumming always found its way into hislife.
“I beat my steering wheel to a pulpmy whole life,” he said. “I was on Ebaylooking for golf equipment and a drumkit popped up. I thought why not.”Hollinger started playing in his base-ment with headphones and a stack ofclassic rock CDs.
Hollinger said that none of his cur-rent band mates knew each other or hadever performed on stage before RockCamp for Dads.
“We’re a bunch of regular guys withfamilies and lives,” he said. “That’swhat Rock Camp for Dads is all about –getting guys out of the basement and on
stage.”The group consists of Phil Vanner
(vocals); Chris Henze (guitar); DaveWilwert (guitar); Jerry Beach (bass) andEd Hollinger(drums). Theyrange in agefrom 40 to 55years old.Vanner ownsthe Square PegDiner inMinneapolis ;Henze is anelectrical engi-neer; Wilwertis an account-ant forW a s h i n g t o nCounty; andBeach works asan analyst forComcast.
After theAC/DC tributecamp was over,the group had-n’t planned onstaying together, but Hollinger said theykept being asked to play, kept improv-ing, and kept having the time of theirlives. They came up with the name Old
Voltage as a baby-boomer twist on theAC/DC song High Voltage.
“This fulfills a fantasy. We’re regularworking Joes with some music ability.
This hasgiven us aplatform toexplore andhave a lot fun.That reallycomes acrosswhen weplay,” saidHollinger.
They callt h e m s e l v e sfive old dudeswho like torock. Theyplay old-school AC/DCtunes fromthe Bon Scottera (1974-80),with no key-boards, lip-syncing, auto-tune or chore-
ography. According to their Facebookpage, they play “just straight-up, balls tothe wall rock n roll.”
“They are true rock and rollers,” said
Ryan. “They are one of the local bandsthat have made something of them-selves. They are a good group of guyswho still support Rock Camp for Dads.They remember where they came from.”
Old Voltage recently had the chanceto open for Hairball in Duluth on July 3.Old Voltage will play Open Mic Night onThursday, July 26 at 7 p.m., part of theSummer Concert Series at Veterans’Memorial Amphitheater, which giveslocal artists and groups the chance tobuild an audience. The concert is free tothe public.
“I think we’ll fit in at Open MicNight. We’ll amp it up and draw somepeople,” he said. “ We’re a little harderand louder than they are used to,” hesaid.
Find more information on OldVoltage at Facebook.com/Old Voltage.Click “Like” to receive concert updates.
For more information on Rock Campfor Dad’s, go towww.rockcampfordads.com. UpcomingAugust camps include Rock 101;Woodstock; Jimi Hendrix; Death toDisco Punk Camp and 70s Classic Rock.
For more information on St. LouisPark’s Summer Concert Series andOpen Mic Night, go tostlouispark.org/events.com.
Rock CampFROM PAGE 4
‘This fulfills a fantasy.We’re regular working Joes
with some music ability.This has given us a plat-
form to explore and have alot fun. That really comes
across when we play.’- Ed Hollinger.
We are looking for people who have an inspirationalstory regarding recent education, employment
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We want to talk to you for our September issue, which will focus on self improvement.
www.Central.mnSun.com Sun Current Central - Thursday, July 19, 2012– Mature Lifestyles 7
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Retirement means having funBY EMILY HEDGESCONTRIBUTING WRITER
Doug Erbeck will tell you thatretirement is the best time in yourlife for having fun.
If the 76-year-old Crystal resi-dent isn’t out training for a half-marathon, or fishing with hispatented lure, he may be foundjudging a regional science fair orplanning weekly programs for theFin and Feather Club of Osseo.The point is to stay busy, do whatyou want to do, and have a greattime.
“Now I that I retired two yearsago, life is about what I want it tobe,” said Erbeck, who earned aPhD from Kansas State Universityat 55 years old and worked as a vet-erinary pathologist until retire-ment. “What I get out of life hasimproved exponentially in eachdecade of my life.”
One of his favorite things to dois go for a run, not necessarily forwhat it does for his body as muchas what it does for his mind andspirit.
“Running is my quiet time,time to be with nature and mymaker,” said Erbeck. “This is mycontemplation time, my prayertime, my time to be with myselfand think how I want to act withinmy community.”
Erbeck began running at 36 andhit his performance peak in his40s, but finds running as a seniorto be more rewarding.
“It’s less stressful. I’m not try-ing to kill myself,” he said. “I’mreally relaxed when I run. I nevergo beyond what my body cantake.”
After returning to the stateafter earning his PhD, Erbeckjoined the Minnesota DistanceRunning Association. A programcalled the Grand Prix caught hiseye. It is a series of 14 races thatrange from one to 26.2 miles.Participants receive points basedon how they finish. BecauseErbeck doesn’t run full marathons
anymore, this year he plans onrunning 10 of the 12 Grand Prixraces. In 2011 he was named run-ner up for Minnesota DistanceRunner of the Year in his agebracket.
“The number of people in myage group gets less and less. I seemto be a little bit faster than the oth-ers, except for one guy,” he said.“So I ended up being number twoin the State of Minnesota in the 75-79 age group. I thought that was agreat honor.”
When Erbeck isn’t out running,biking or swimming, he is proba-bly on the lake fishing. He startedfishing as a young man with hisgrandfather, aunts and uncles inWisconsin. Although he calls it a
life-long pursuit, in recent years ithas taken on a new level of inter-est for him.
“I decided I want to be a panfisherman, blue gill fishing in par-ticular,” he said. “I have testedlures, and I have invented the lureI feel is best pan fishing lure inworld, especially for blue gills.”
He hopes that in the future itwill become a profitable enter-prise. But making money isn’twhy he does it.
“I’m going fishing twice a weekand furnishing fish to my wife’slarge family in Wisconsin, and tomy three daughters and familieswho live in area,” he said.“Fishing and eating fish are partof my quality of life.”
Erbeck also spends a lot of histime these days coordinatingweekly programs for the Fur, Finand Feather Club in Osseo, andserving as a volunteer and judgewith the Twin Cities RegionalScience Fair.
He and his wife, Faye, recentlycelebrated their 51st weddinganniversary. He has nine grand-children, who he calls the “joy ofour lives.”
His advice to other seniors:“Try to stay as active as you can inyour community, neighborhoodand church. I think that has keptme young at heart.”
To learn more about Erbeck’spatented fishing lure, go to fisher-beck.com.
Fishing area lakes is one of Doug Erbeck’s favorite retirement activities. He is pictured here with his grandson, Max Clepper, after a success-ful outing.
Having fun means fishing, running, volunteering
www.Central.mnSun.com Sun Current Central - Thursday, July 19, 2012– Mature Lifestyles 9
Mounds View woman finds calling in festival planning BY EMILY HEDGESCONTRIBUTING WRITER
Mounds View resident TheresaCermak goes to work at 11 p.m. mostevenings and works as night man-ager for McDonalds until 7 a.m.This leaves time during the day forher role as president of the MoundsView Festival in the Park, one thathas changed the way the 56-year-oldmother of nine sees herself.
“I never thought I’d be the presi-dent,” she said. “It’s been a greatconfidence booster, and made merealize that I’m a lot smarter than Ithink I am.”
Cermak began working with thefestival 18 years ago when heremployer asked her to get involved.She says that a core group soonformed.
“I’ve made great friends. Therewas a time in my life I neverthought I could be in charge. It hasgiven me confidence to serve onexecutive boards on other commit-
tees. We’ve become like a family.When I do retire from it I will missthem,” she said.
The Mounds View Festival beganin 1976 as a one-day festival tradi-tionally held the weekend beforethe State Fair begins. The familyand budget friendly activitiesinclude a car show, craft show, foodvendors, children’s area with facepainting, entertainment from localartists, and fireworks.
“This is a hometown festival puton for the people in our city,” saidCermak. “We want them to enjoy aday in the park that everyone canafford with lots to do for the kids.We won’t allow anything that isn’tfamily friendly.”
The committee works hard tomake sure all the participating ven-dors make money by not allowingduplicating food, crafts or otherservices. They keep costs down in anumber of creative ways.
“When the Irondale RoboticsTeam wanted a free booth for
demonstrations, I told them yes, butthat they had to help me hang upsigns. We barter a lot around here,”she said.
In 18 years, Cermak has lots offavorite memories. But the one thatsticks out for her was the year theydecided to kick off the festival witha special wedding ceremony.
“We decided Ole and Lena weregoing to get married. We actuallyhad people dress up and had a vol-unteer play the preacher,” she said.“We set it up like a church in thewoods. It was such a hoot.”
She also recalls a couple of yearsago a performer called Mr. Funtwirling fire batons while on stiltsto music before the fireworks. Butshe said there was one MoundsView resident that wasn’t delightedwith the show.
“I guess we should have clearedit with the fire chief,” said Cermak.“I think he almost had a heartattack.”
Cermak says that every year she
considers passing the torch, butadmits the overwhelming urge eachyear to make the festival betteralways brings her back for more.
“I hear the oohs and ahhs overthe fireworks, and I think maybe I’lldo this one more year,” she said.“Fall comes and we’re off and run-ning.”
Cermak credits dedicated volun-teers that make the festival workeach year.
“The Girl and Boy Scouts helpout. The Mounds View City Councilbacks it. The Spring Lake Park-Blaine firemen will send volunteersto help with the parade. We ask, andthey help. It’s a win-win,” she said.
Mounds View Festival in thePark will be held on Saturday, Aug.18 in City Hall Park at 2401 CountyRoad 10 in Mounds View. This year,the feature act is Jonah and theWhales, with a beer tent sponsoredby the Blaine Jaycees. For moreinformation, go to ci.mounds-view.mn.us.
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10 Mature Lifestyles– Thursday, July 19, 2012 - Sun Current Central www.Central.mnSun.com
Leprechaun Days evolves into a premiere community eventBY EMILY HEDGES – CONTRIBUTING WRITER
The Minnesota version of TrivialPursuit asks players to name the townthat hosts the community celebrationcalled Leprechaun Days.
For John Loch, former Rosemountbusiness owner and one of the eventfounders, this was an indication theirhard work had paid off.
“When we saw that, we knew we werebig time,” he said.
Loch (65) technically lives in AppleValley, but is quick to say his house liesjust across the street from Rosemount. Hemoved to the area in 1973, working as apharmacist for Robert’s Drug. The own-ers encouraged him to start attendingChamber of Commerce meetings. He wassoon president of the organization andholding office for the Rosemount Jaycees.
In 1983, Loch purchased the businessand renamed it Loch Pharmacy. In 1988he relocated to the corner of 145th andHighway 3 where the business remainedanother 10 years before he sold it toHorizon Pharmacy.
“My philosophy was that to promotethe town, we should hold events that peo-ple enjoy. Then they are going to stay intown and shop in town,” said Loch. “Iread a lot about the sort of picturesque
places that people want to live. It dawnedon me – those things don’t just happen.People have to start them and continuethem.”
At that time Rosemount hosted a sum-mer celebration called Crazy Days, butLoch and a few others felt it needed somework. After a couple of years billed as“Rosemount Family Fun Days” the groupdecided to go back to the drawing board.
Loch hosted a meeting on his frontporch to brainstorm how to improveRosemount’s festival and set it apart fromother communities.
“The park and recreation director washere and four or five other people. Theyweren’t all chamber. They were from allparts of the community,” he said.
Rosemount’s Irish heritage was thenatural starting place for the discussion.It didn’t take long for someone to suggestthe Leprechaun.
“Leprechauns are cute. The HighSchool mascot was a Leprechaun. Wethought we could name the activities tocorrespond with the Irish theme,” saidLoch. “We had the theme and the mascot,and away we went.”
Some of the creative event namesinclude the Blarney Stone hunt and thepot-o-gold toilet bowl races.
Now Leprechaun Days is one of the
premiere community festivals in thestate. In 2012 it will span 12 days and hostthousands of people from all over thearea.
Loch says that the success ofLeprechaun Days is not measured inmoney raised or number of attendees. Itis about the quality of the event andwhether or not everyone had a good time.
“I wanted to be proud of the place Ilived in and had a business in. I get greatsatisfaction seeing people enjoying them-selves,” he said.
But no one enjoys themselves morethan Loch during Leprechan Days.
“I’ve always liked the fireworks. I getgoose bumps,” said Loch, who has fondmemories of friends and neighbors sit-ting on the hillside by the High Schooltennis courts oohing and ahhing over thedisplays. He also looks forward to themarching band each year.
“I see Rosemount marching band com-ing down the street. That does it for me.These kids are so good and so dedicated.It’s your hometown band, and somethingwe should be very proud of.”
Although Loch’s role these days ismostly the coordination of the BluegrassFestival, which was added in 2008 and hasbecome one of Leprechaun Day’s biggestdraws, he finds numerous ways to help.
“The man is really tireless. He’s morethan willing to roll up his sleeves to getthings done. He’s got great ideas, knowshow to keep Leprechaun Days familyfriendly and knows what kinds of eventsto add to it to keep it fresh,” said TadJohnson, member of the RosemountLeprechaun Days committee. “He helpspick up trash late into the night and earlymorning after the events are done.”
Loch credits the entire community forcoming together to volunteer, especiallythe work of Rosemount’s Public WorksDepartment.
“The crew is out there making sureeverything is clean and painted, flowersare at their peak, flags are on the poles,”said Loch. “They really take personalpride in making the city look great.”
Anyone who knows Loch will tell youthat no one takes more pride in their com-munity than he does.
“His heart and soul is in trying to helpthe people of Rosemount,” said JoeWalsh, longtime chairman of the plan-ning committee. “When he retired fromthe pharmacy, he didn’t retire from thecommunity.”
Leprechaun Days will be held fromJuly 20-29th. For more information onLeprechaun Days, go to rosemoun-tevents.com or call 651-322-6020.
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www.Central.mnSun.com Sun Current Central - Thursday, July 19, 2012– Mature Lifestyles 11
Avoiding the penalty on earlyretirement plan withdrawalsThe money that you’ve built up in a
retirement savings account can look awful-ly tempting at times, particularly in anuncertain economy. If you feel you have nochoice but to withdraw from a retirementaccount, you may find that it’s a costlyoption because of the potential taxes andpenalties involved. The Minnesota Societyof CPAs explains the price you’ll have topay and how the exceptions to the ruleswork.
A double whammyAs a general rule, if you take an early
distribution from a qualified retirementplan or deferred annuity contract beforeage 59½, you will be hit with a doublewhammy of penalties. First, you will haveto pay ordinary income taxes on your with-drawal. In addition, you’ll face a 10 percentpenalty on the amount because of the earlywithdrawal. Those two rules apply to401(k)s and traditional IRAs. With a RothIRA, a qualified distribution escapes taxesand penalties, but a non-qualified distribu-tion does not. Since the distinctionsbetween the two are complicated, be sure toconsult your CPA for more information. Inall cases, the taxation and penalty don’tapply to distributions that are rolled overinto another qualified retirement plan.
How do exceptions work? There are several exceptions to the
penalties. Retirement plans may permitwithdrawals when there is an “immediateand heavy” financial need. The InternalRevenue Service notes that needs that fitthis definition may vary based on each sit-uation. However, it is safe to say therewould be no exception if you have otherresources to address the need. The needmay relate to yourself, your spouse or adependent. In its guidance, the InternalRevenue Service includes funeral or med-ical expenses in this definition.
Education and health exceptionsThere are also exceptions relating to
education and health concerns. The penal-ty generally doesn’t apply (although the taxmay) for withdrawals made to cover quali-fied higher education expenses for your-self, your spouse or your children or grand-children. When it comes to health con-cerns, you may take early withdrawals ifyou are totally or permanently disabled. Inaddition, you can tap into your retirementfunds to cover medical expenses that addup to more than 7.5 percent of your adjust-
ed gross income. Only deductible medicalexpenses paid in the year the distributionis taken qualify for the exception.
Medical insurance for the unemployed
You can also take a penalty-free earlydistribution for health insurance premi-ums if you are unemployed, have receivedunemployment compensation for at least12 consecutive weeks and have taken thedistributions during the same year inwhich the unemployment compensation ismade, or the succeeding year. But, thesepayments are limited to the actual amountpaid for insurance for the employee, hisspouse and their dependents. In addition,taxpayers who are self-employed qualifyfor this exemption if self-employment isthe only reason they do not qualify forunemployment compensation.
Purchase of a principal residenceA qualified first-time homebuyer can
take a distribution and escape the 10 per-cent penalty to the extent that the distribu-tion is used by the individual to pay a qual-ified acquisition cost for a principal resi-dence. Distributions can be up to $10,000during the individual’s lifetime, providedthey are used within 120 days of withdraw-al to buy, build or rebuild a first home thatis the principal residence of the individual,his or her spouse or any child, grandchildor descendant of the individual or spouse.
Taking periodic paymentsAnother exception comes into play in
certain circumstances when you take dis-tributions in a series of substantially equalperiodic payments over your own lifeexpectancy or the life expectancies of your-self and your designated beneficiary. Thesewithdrawals must be taken at least annual-ly, and there are complicated approaches tocalculating them and ensuring that theyremain tax free. Be sure to contact yourCPA if you want more information.
Consult your CPAAs a general rule, if you need money in
a pinch, it’s best to draw first from youremergency funds or from any investmentsthat you have. If you don’t have a nest eggavailable and are seriously consideringwithdrawing from a retirement account,given the complexity of the rules on retire-ment plan withdrawals, be sure to turn toyour local CPA. He or she can provideadvice on all your financial questions.Don’t have a CPA? Visit mncpa.org/refer-ral to locate one in your area.
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