experience - august 2014
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AUGUST 2014 FREE NEWS FOR BOOMERS AND BEYOND
INSIDE: Librarians • Aging Services • Retirement Savings • Foster Grandparents • Gardens of the World • and more!
Jack’s career choices, retirement, all
a ‘string’ of learning experiences
2 | EXPERIENCE ACTION PUBLICATIONS | AUGUST 2014
Librarians: Unsung heroes of the digital age
There has been a substantial increase in students taking online college courses, changing significantly how modern
learners access information, and librarians have adjusted to keep pace with an ever increasing demand for knowledge in the digital age.
Sixty-three percent of academic officers at the nation’s colleges and universities believe that within five years the majority of students will be taking at least one course online, according to a survey conducted in 2013 by Babson Research.
Given this anticipated growth in online learning and that anyone, not only college students, can access information on just about anything via the Internet, some may think that libraries and librarians are becoming less relevant in the digital age. The truth is that they are needed now more than ever.
Libraries and the professionals who staff them have risen to meet the needs of a constantly changing digital environment, shifting from gatekeeper of information to educator, a role that extends well beyond the college campus.
Today’s librarians support users by providing access to electronic resources and instructing those who may be unfamiliar with how to use the varied formats in which these resources may exist. As they experience more new forms of technology, librarians have to stay on the forefront of how these technologies work, that everyone has equal access to information and to be proactive in their outreach to all users. In the modern library, users will find opportunities for self-paced learning through video tutorials and professionals who tailor resources for different proficiency levels.
Underpinning all of these skills is the ethical use of information along with the ability to interact with others in the virtual environment. In doing so, the modern library gives users the ability to become both consumers and producers of information. Libraries continue to serve as gateways to learning more and librarians still provide the keys to unlocking the potential knowledge that can be obtained.
Librarians are the unsung heroes of information in the digital age.
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EXPERIENCE | 3AUGUST 2014 | ACTION PUBLICATIONS
Common questions asked when Mom or Dad need aging services
At Lutheran Homes & Health Services, we strive to assist people in navigating the maze of aging services. It can be
difficult to determine where to start when beginning the process of finding additional care for mom and dad. The following are questions you might have about the process.
What is a skilled nursing facility? Skilled nursing homes are designed to assist
individuals who have health conditions that require constant monitoring and availability of medical personnel. Skilled nursing facilities, also known as nursing homes, provide 24-hour supervision, meals, activities and health management support. Some senior living communities offer specialized care for people with Alzheimer’s or dementia.
What’s the difference betWeen skilled nursing and assisted living?
Nursing homes provided the highest level of care for seniors outside of a hospital, while
assisted living is best for seniors who need some help with bathing, dressing, toileting, grooming, and eating, but do not require 24-hour-a-day health care.
When it is time to consider a nursing home for your parents?
A nursing home may be a good choice if: both medical and personal care needs have become too great to handle at home. This may be due to a recent hospitalization, or a chronic illness which has gradually been worsening. A higher level of care may be needed temporarily after a hospitalization.
are there social activities?Skilled nursing residences have a full
calendar of activities and social events for residents, including art classes, ice cream socials, bingo and game night, prayer service, movie night and guest speakers. In addition, many have wellness centers, a salon, restaurant-style dining and other amenities.
services
EXPERIENCE is published by Gannett Wisconsin Custom Publishing. Contents of the section are for Action Reporter Media. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by means, electronic, mechanical, photocopying, recording or otherwise, without prior consent of Gannett Wisconsin Custom Publishing. For information, contact Karen Befus at 920-426-6701 or kbefus@gannett.com.
EDITOR / KATIE LARSON ADvERTIsING DIRECTOR / KAREN BEfuS GRAPHIC ARTIsT / JAMES HOSLET
What happens if an elder has an emergency?
Staff are available 24 hours a day to handle emergency situations. Skilled nursing facilities have arrangements with hospitals and health care professionals for assistance with emergencies.
hoW much does skilled nursing cost?Cost varies depending on what level
of care is provided and what type of accommodations chosen. Most seniors do not usually meet their long-term care needs from any one source. Instead a combination of support — private funds, long-term care insurance and government assistance is used to pay for care. Medicare covers post-hospital, short-term skilled care only — and may not cover the cost of ongoing nursing home care. For low-income seniors who meet eligibility requirements, Medicaid might pay a portion of the cost.
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4 | EXPERIENCE ACTION PUBLICATIONS | AUGUST 2014
August CalendarFarmer’s market – 7 a.m. to noon, Saturdays, 50 Western Ave. Over 65 vendors, and noon to 5 p.m. Wednesdays in the Main Street Plaza, 30 S. Main St., with approximately 15 vendors.1, 7–8, 14–15, 21–22 • summer LOVe 2014 – 8 p.m. at Maximillian’s Hall, Pub & Eatery, 155 Fond du Lac Ave., Mt. Calvary. A musical revue featuring live performers singing and dancing to standards, county, Motown, pop. Tickets are $16 for adults, $8 for children ages 5 to 12, and free for children 4 and under. 1-2 • reLay FOr LiFe – 6 p.m. at Fond du Lac High School, 800 Campus Dr. Relay For Life walkers on track, cancer survivors, food, games, raffle and auctions.2 • HOt trOt run/WaLk – 7:30 a.m.
at Horace Mann High School, 225 McKinley St., North Fond du Lac. Registration prices vary depending on event. 15k run, 1 mile run, 3 mile walk, kid’s run Expo, chip timing, cash awards, elite entries offered, tech tee, family fun.2–3, 8–10, 15-17, 24, 29–31 • music On tHe PatiO –at Jim and Linda's Lakeview Supper Club, W3496 County W, Pipe. Various bands performing, during and after the dinner hour. Call (920) 795-4116 for information. 3 • escarPment BicycLe tOur – 6 a.m. to 4:30 p.m. at Ledgeview Nature Center, W2348 Short Rd., Chilton. Varied ticket prices. Enjoy a relaxing pedal through scenic rural areas, views of Lake Winnebago and optional Kettle Moraine. Full-service ride with six routes from 8 to 100 miles.
9–10 • WiscOnsin steam engine sHOW – 9 a.m. to 5 p.m. at Calumet County Fairgrounds, 200 W. Chestnut St., Chilton. Cost is $5 adults, $1 children 12-16, free for children under 12. Farm displays, toy show, flea market, equipment food and refreshments.14 • nOOn Organ recitaL series – 12:15 to 12:45 p.m. Organist John Penkoske performs Aug. 14 at Shepherd of the Hills Catholic Church, W1562 County B, Eden.14–17 • WarBirds and cLassics OVer tHe midWest – 9 a.m. to 4 p.m. at Wellnitz Field, N4841 Hickory Rd. See over 300 giant scale radio control airplanes flying. Food available. Bring your own lawn chair.15 • tOur tHe tOWn art WaLk – Downtown Fond du Lac, 130 S. Main St., 5 to 8 p.m. For a list of participating venues, visit tourthetownfdl.com. 16 • PatcHOuLi cOncert On tHe Prairie – 1 p.m. at Marsh Haven Nature Center, W10145 Highway 49, Waupun. Free for members, $3 adults and $2 children. Songwriter Julie Patchouli and master guitarist Bruce Hecksel light up the air with sparkling acoustic sounds and their powerful contagious chemistry. 16 • star gazing at tHe marsH – 5 to 11 p.m. at Horicon Marsh Int'l Education Center, N7725 Highway 28, Horicon. Join the Northern Cross Science Foundation as they view the night sky through telescopes.17 • HistOric gaLLOWay HOuse & ViLLage ice cream sOciaL – 10 a.m. to 5 p.m. at Galloway House and Village, 336 Old Pioneer Rd. Food, drinks, desserts. Kelley Country Creamery ice cream and a selection of pies and cakes will be available.17 • race tHe Lake – 5:45 a.m. start at Lakeside Park, 555 N. Park Ave. A 90-mile bike race around Lake Winnebago. For all ages and all skill levels, recreation to professional. $10,000 prize to overall female & male winners. Start at 52 W. Scott St., up west side of lake, down east, finishes at Lakeside Park, 158 E. Harbor Dr.20 • OF LigHt and deVOtiOn – a cOntemPLatiVe aPPrOacH tO PHOtOgraPHy – 6 to 9 p.m. at Gottfried Prairie and Arboretum,
4, 11, 18 • music under tHe stars – 7 to 8:30 p.m. at Buttermilk Creek Park, 700 S. Park Ave. Band lineup: J Harrison B offers rock and county on Aug. 4; The Groeschl Band offers big band, standards, county and German polkas on Aug. 11; Whiskey River Band offers county on Aug. 18. Raindate is following day.5, 12, 19, 26 • seniOr dining cLuB – 5:30 p.m. Tuesday evenings at selected restaurants. Open to those age 55 and older. For information call Max at (920) 296-1921. Aug. 5 at Alibi’s, 1300 W. Fond du Lac St., Ripon; Aug. 12 at Mancino’s, 818 S. Main St.; Aug. 19 at Fat Joe’s, 51 W. Division St.; Aug. 26 at Pizza Ville, W. 160 Scott St. 6, 20 • auduBOn eVening WaLk – 6:30 p.m. Aug. 6 at Eldorado Marsh
Wildlife Area, N6802 County I; 6:30 p.m. Aug. 20 at Gottfried Prairie and Arboretum, 400 University Dr. Meet in the east parking lot at the UW campus. Wear good walking shoes, bring some insect repellant, and if available, a pair of binoculars.6, 13, 20 • ButtermiLk FestiVaL – Buttermilk Creek Park, 700 S. Park Ave. Performance lineup: The Symphonic Band at 7:15 p.m. on Aug. 6; Kids from Wisconsin at 6 p.m. on Aug. 13; Symphonic Band “Night in Old Vienna” Concert at 6 p.m. on Aug. 20. 8–9 • WauPun truck-n-sHOW – at Waupun Community Center, 510 E. Spring St. Parades, free live music, children's activities, food and family fun.
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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EXPERIENCE | 5AUGUST 2014 | ACTION PUBLICATIONS
9–10 • WISCONSIN Steam eNgINe ShOW – 9 a.m. to 5 p.m. at Calumet County Fairgrounds, 200 W. Chestnut St., Chilton. Cost is $5 adults, $1 children 12-16, free for children under 12. Farm displays, toy show, flea market, equipment food and refreshments.14 • NOON OrgaN reCItal SerIeS – 12:15 to 12:45 p.m. Organist John Penkoske performs Aug. 14 at Shepherd of the Hills Catholic Church, W1562 County B, Eden.14–17 • WarbIrdS aNd ClaSSICS Over the mIdWeSt – 9 a.m. to 4 p.m. at Wellnitz Field, N4841 Hickory Rd. See over 300 giant scale radio control airplanes flying. Food available. Bring your own lawn chair.15 • tOur the tOWN art Walk – Downtown Fond du Lac, 130 S. Main St., 5 to 8 p.m. For a list of participating venues, visit tourthetownfdl.com. 16 • PatChOulI CONCert ON the PraIrIe – 1 p.m. at Marsh Haven Nature Center, W10145 Highway 49, Waupun. Free for members, $3 adults and $2 children. Songwriter Julie Patchouli and master guitarist Bruce Hecksel light up the air with sparkling acoustic sounds and their powerful contagious chemistry. 16 • Star gazINg at the marSh – 5 to 11 p.m. at Horicon Marsh Int'l Education Center, N7725 Highway 28, Horicon. Join the Northern Cross Science Foundation as they view the night sky through telescopes.17 • hIStOrIC gallOWay hOuSe & vIllage ICe Cream SOCIal – 10 a.m. to 5 p.m. at Galloway House and Village, 336 Old Pioneer Rd. Food, drinks, desserts. Kelley Country Creamery ice cream and a selection of pies and cakes will be available.17 • raCe the lake – 5:45 a.m. start at Lakeside Park, 555 N. Park Ave. A 90-mile bike race around Lake Winnebago. For all ages and all skill levels, recreation to professional. $10,000 prize to overall female & male winners. Start at 52 W. Scott St., up west side of lake, down east, finishes at Lakeside Park, 158 E. Harbor Dr.20 • Of lIght aNd devOtION – a CONtemPlatIve aPPrOaCh tO PhOtOgraPhy – 6 to 9 p.m. at Gottfried Prairie and Arboretum,
400 University Dr. Contemplative photography is about showing up in one’s environment and being present. Lora Vahlsing is a local poet, artist, photographer, and yogi.23 • emPIre threSheree – 10 a.m. to 4 p.m. at John Wettstein Farm, W2132 County B, Eden. Working show with colorful machines that complement horsepower showcase activities from yesteryear to the younger generation. 24 • malONe area herItage muSeum Summer SOCIal – noon to 6 p.m. at Malone Area Heritage Museum, W8791 County W, Malone. Antique boats and fishing equipment, hosting the Fond du Lac County Hovercraft. Raffles, a focus on children's activities, including rides, games and prizes. Food and beverages served.30 • Summer Star-gazINg - Summer Saturday Evening Event – 8:45 to 11 p.m. at Henry S. Reuss Ice Age Visitor Center, N2875 Highway 67, Campbellsport. Presenter: Northern Cross Science Foundation.
See Word Search answers on page 11
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Fond du Lac Credit Union
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With a life-long love of sports, “people person” Jack Francis, 70, of Fond du Lac, has found his niché in life.
Long before high school, Jack learned the value of a good work ethic by having a paper route and working at Frazier’s Restaurant as a bus boy. After graduating from St. Mary Springs Academy in 1962, he wasn’t sure what direction his life would be headed.
“As a kid, I was very shy,” he said. “In September 1962, Herb Niederehe (whom eventually became president of the National Exchange Bank), approached me and offered me a position at the
bank as a messenger. After a while, I advanced to teller, and eventually made it to head teller, and was in charge of teller operations.” During that period, Jack began making a lot of friends through the banking experience, and his confi dence began to grow.
He credits the late Herb Niederehe and the late Miles Phalen as sort of mentors in his banking career of almost 22 years.
“I enjoyed my work at the bank, and they both were fantastic. They helped me so much,” said Francis.
It was through friends and his love of baseball
— which he inherited from his father, who was a very good baseball player back in the 1930s — that Jack began to coach Little League baseball in Fond du Lac, which he enjoyed doing for about fi ve years.
After high school, Jack was really involved in softball and volleyball, and he recalled in his early 20s, he was playing softball fi ve times a week. With his love of sports, an opporunity opened up to become athletic director at Sacred Heart School, as a volunteer. He served in that position for about 10 years and credits that time as another learning experience.
Story by Lois A. Pfl um I Photos by Doug Rafl ik/Action Reporter Media
After leaving the bank in 1984, Jack started to work for Jeff Hopper at Hopper’s Ski and Sport Center (which was at the present Gino’s location) for about three years. Again, he stated: “It was another learning experience, and the people there were fantanstic.”
Then in May 1987, Jack had the opportunity to buy Klaetsch’s Sport Shop on Main Street. Leslie “Curly” Klaetsch stayed working for Jack, and he continued with the hand-sewing and hand-embroider on letter jackets for many years. That was before computerized embroidery machines took over.
He called the store Jack’s Team Sports and hired lots of good employees over the years. In the early ’90s, his sister Mary Lang came on board and served in co-worker, manager, and trophy builder positions until October 2008, when ill health ended her work in Jack’s store.
Over the years, his business progressed and grew. Again he commented: “It was a very good learning experience.” His store became a fi xture in the community and people referred to the store as “Jack’s store” even though it was initially known as Team Sports.
The store carried everything related to sports — uniforms for Fond du Lac area sports teams, baseball and equipment, batting gloves, baseball gloves, bats — and also football, basketball, volleyball and soccer accessories, and trophy building. When Jack owned the store, glove relacing was also a big part of the business.
“I've met a lot of friends over the years. The fl ood of 2008 really challenged my business, but several of my friends came to my rescue.”
Jack sold the store in May 2011 to Byron and Jill Pegram, but stayed on with them during the transition, to help them learn the business. Jack continued glove relacing and also began to do relacing from his Fond du Lac home.
Jack offi cially retired in May 2013, and has not been involved with the store since then, but has been continuing the art of relacing baseball gloves. When asked about some of his best
memories from running his store, he was quick to reply, “The people … the customers … I’ve met so many people who have become friends … the downtown sidewalk sales (that was a lot of work but fun) … hiring good people … and the neighbors near his store.” Jack had so many wonderful memories that included having his father helping out at the store almost every day (until his death in 1998).
When asked if he ever met any famous people during is ownership, he commented that he sold licensed products for professional teams like the Packers, the Brewers, and the Badgers. He also met several Packers players in by-gone years when they came to Fond du Lac for “signings.” His favorite players were receivers Don Beebe and Robert Brooks.
Jack explained he learned the art of glove relacing, “As I went along, using specialty tools that Curly had in the store.” Jack continued with some very interesting facts:
Baseball gloves are made mostly of leather. One size does not fi t all. Kids gloves start at about 10 inches and go up to 14 inches for adult softball players. Generally, the cost of a glove starts out at $15 for a kid, and could run up to hundreds of dollars for an adult. He noted, the average price for an adult softball player’s glove would be between $60 and $90. It depends on normal wear and tear and how well the glove is taken care of to determine how long a glove will last. A catcher’s mitt and the glove for a fi rst baseman are the hardest to relace.
The fi rst step in the process (of relacing a glove) is to examine the glove to see what condtion the fi ngers and the pocket are in and then he conditions the glove with a special leather cream (conditioner) and starts out by pulling out the broken leather laces.
Jack noted it usually takes a minimum of an hour to relace a glove, depending on the condition. “If it’s a simple fi x, the cost will start out at about $10, depending on what all has to be done. A complete glove relace would run about
$45. Most players prefer to keep their old glove and have it relaced because it’s broken in.”
When Jack is called upon to do a relacing job, he dons his taylor’s apron, and gets out his assortment of tools, which include scissors, bent-nose pliers, lacing needle and the leather laces. The laces come in several different colors and the length can run from 48 to 72 inches.
Sometimes Jack will work long hours during the baseball-softball season, but also at any time of the year.
“Often a player will call me and drop off his glove in the fall, and request it be ready for the next season,” he said.
Besides relacing baseball gloves, Jack enjoys gardening, fi ixing up his house, watching softballl games at Lakeside Park with friends, and being a good neighbor. One of his future goals is to restore his ’72 Pontiac convertible.
“Right now I’m too busy to get into that,” he said with a laugh.
EXPERIENCE | 7AUGUST 2014 | ACTION PUBLICATIONS
cover story
JackFrancisFond du Lac retiree continues and enjoys glove relacing business
6 | EXPERIENCE
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FOND DU LAC, WISCONSIN 54935
Stepping On Classes:Ripon: August 7 – September 18
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With a life-long love of sports, “people person” Jack Francis, 70, of Fond du Lac, has found his niché in life.
Long before high school, Jack learned the value of a good work ethic by having a paper route and working at Frazier’s Restaurant as a bus boy. After graduating from St. Mary Springs Academy in 1962, he wasn’t sure what direction his life would be headed.
“As a kid, I was very shy,” he said. “In September 1962, Herb Niederehe (whom eventually became president of the National Exchange Bank), approached me and offered me a position at the
bank as a messenger. After a while, I advanced to teller, and eventually made it to head teller, and was in charge of teller operations.” During that period, Jack began making a lot of friends through the banking experience, and his confi dence began to grow.
He credits the late Herb Niederehe and the late Miles Phalen as sort of mentors in his banking career of almost 22 years.
“I enjoyed my work at the bank, and they both were fantastic. They helped me so much,” said Francis.
It was through friends and his love of baseball
— which he inherited from his father, who was a very good baseball player back in the 1930s — that Jack began to coach Little League baseball in Fond du Lac, which he enjoyed doing for about fi ve years.
After high school, Jack was really involved in softball and volleyball, and he recalled in his early 20s, he was playing softball fi ve times a week. With his love of sports, an opporunity opened up to become athletic director at Sacred Heart School, as a volunteer. He served in that position for about 10 years and credits that time as another learning experience.
Story by Lois A. Pfl um I Photos by Doug Rafl ik/Action Reporter Media
After leaving the bank in 1984, Jack started to work for Jeff Hopper at Hopper’s Ski and Sport Center (which was at the present Gino’s location) for about three years. Again, he stated: “It was another learning experience, and the people there were fantanstic.”
Then in May 1987, Jack had the opportunity to buy Klaetsch’s Sport Shop on Main Street. Leslie “Curly” Klaetsch stayed working for Jack, and he continued with the hand-sewing and hand-embroider on letter jackets for many years. That was before computerized embroidery machines took over.
He called the store Jack’s Team Sports and hired lots of good employees over the years. In the early ’90s, his sister Mary Lang came on board and served in co-worker, manager, and trophy builder positions until October 2008, when ill health ended her work in Jack’s store.
Over the years, his business progressed and grew. Again he commented: “It was a very good learning experience.” His store became a fi xture in the community and people referred to the store as “Jack’s store” even though it was initially known as Team Sports.
The store carried everything related to sports — uniforms for Fond du Lac area sports teams, baseball and equipment, batting gloves, baseball gloves, bats — and also football, basketball, volleyball and soccer accessories, and trophy building. When Jack owned the store, glove relacing was also a big part of the business.
“I've met a lot of friends over the years. The fl ood of 2008 really challenged my business, but several of my friends came to my rescue.”
Jack sold the store in May 2011 to Byron and Jill Pegram, but stayed on with them during the transition, to help them learn the business. Jack continued glove relacing and also began to do relacing from his Fond du Lac home.
Jack offi cially retired in May 2013, and has not been involved with the store since then, but has been continuing the art of relacing baseball gloves. When asked about some of his best
memories from running his store, he was quick to reply, “The people … the customers … I’ve met so many people who have become friends … the downtown sidewalk sales (that was a lot of work but fun) … hiring good people … and the neighbors near his store.” Jack had so many wonderful memories that included having his father helping out at the store almost every day (until his death in 1998).
When asked if he ever met any famous people during is ownership, he commented that he sold licensed products for professional teams like the Packers, the Brewers, and the Badgers. He also met several Packers players in by-gone years when they came to Fond du Lac for “signings.” His favorite players were receivers Don Beebe and Robert Brooks.
Jack explained he learned the art of glove relacing, “As I went along, using specialty tools that Curly had in the store.” Jack continued with some very interesting facts:
Baseball gloves are made mostly of leather. One size does not fi t all. Kids gloves start at about 10 inches and go up to 14 inches for adult softball players. Generally, the cost of a glove starts out at $15 for a kid, and could run up to hundreds of dollars for an adult. He noted, the average price for an adult softball player’s glove would be between $60 and $90. It depends on normal wear and tear and how well the glove is taken care of to determine how long a glove will last. A catcher’s mitt and the glove for a fi rst baseman are the hardest to relace.
The fi rst step in the process (of relacing a glove) is to examine the glove to see what condtion the fi ngers and the pocket are in and then he conditions the glove with a special leather cream (conditioner) and starts out by pulling out the broken leather laces.
Jack noted it usually takes a minimum of an hour to relace a glove, depending on the condition. “If it’s a simple fi x, the cost will start out at about $10, depending on what all has to be done. A complete glove relace would run about
$45. Most players prefer to keep their old glove and have it relaced because it’s broken in.”
When Jack is called upon to do a relacing job, he dons his taylor’s apron, and gets out his assortment of tools, which include scissors, bent-nose pliers, lacing needle and the leather laces. The laces come in several different colors and the length can run from 48 to 72 inches.
Sometimes Jack will work long hours during the baseball-softball season, but also at any time of the year.
“Often a player will call me and drop off his glove in the fall, and request it be ready for the next season,” he said.
Besides relacing baseball gloves, Jack enjoys gardening, fi ixing up his house, watching softballl games at Lakeside Park with friends, and being a good neighbor. One of his future goals is to restore his ’72 Pontiac convertible.
“Right now I’m too busy to get into that,” he said with a laugh.
EXPERIENCE | 7AUGUST 2014 | ACTION PUBLICATIONS
cover story
JackFrancisFond du Lac retiree continues and enjoys glove relacing business
6 | EXPERIENCE
Gloves can be dropped o� at Team Sports, 179 S. Main St., Fond du Lac.
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8 | EXPERIENCE ACTION PUBLICATIONS | AUGUST 2014
While 93 percent of working Americans know they should be contributing to
their retirement, only 72 percent are actually doing so, according to the results of Capital One ShareBuilder’s Financial Freedom Survey (tinyurl.com/n9zvksh). The same study found that while nearly three-fi fths of respondents plan to retire by age 65, almost the same amount of people fear they’ll never save enough for retirement.
“Unfortunately, saving for the future is often put on the back-burner for what may seem like more pressing fi nancial priorities, such as paying for children’s college education,” says Dan Greenshields, president of Capital One ShareBuilder, Inc. “Today more than ever before, individuals are responsible for ensuring their own fi nancial security during retirement.”
The earlier you begin to plan and save for your post-working years, the better:
● How much will you need to fi nance your retirement? Do you plan to move, travel or take up new hobbies? Also take in to account potential unexpected and rising costs, like healthcare.
● You can estimate your retirement needs by identifying potential expenses, as well as by calculating the amount you might receive from each potential source of retirement income, such as Social Security, pensions, personal investments and employment earnings.
● Don’t be surprised if what you need to retire is a large sum — since this money may need to support
By Statepoint Media
you for 20 or 30 years (or more). Fortunately, there are ways to help maximize your retirement savings over time.
● Investing early for retirement and contributing as much as possible to tax-advantaged employer-sponsored retirement plans and IRAs are two ways to help build your retirement dollars.
● Automatically transfer a regular
By Statepoint Media
FUNERAL & ESTATE PLANNING
❚ LIFE❚ LOVE❚ LOSS❚ LEGACY
Don’t put saving for retirement on the back burner By Statepoint Media
● Understand your time horizon, risk tolerance and goals.
● Make planning a family affair by scheduling times to discuss your fi nancial future with your partner or family members over dinner or on a picnic.
● Consider working with a qualifi ed fi nancial professional to help ensure your retirement plan is on target.
contribution from your paycheck to your retirement account.
● In some cases, it may be appropriate to consider rolling over or transferring funds to an account without minimums. However, there may be some cases where leaving the funds may be the right decision. More information about whether or not you should rollover funds can be found at ShareBuilder.com.
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EXPERIENCE | 9AUGUST 2014 | ACTION PUBLICATIONS
safety
Project Heat’s On: Sign up by Sept. 15 for home heating inspections
Every year, participants donate labor, time, materials and expertise to help those in need.
A national program, started in the mid-1980s to provide free home heating inspections for the elderly homeowners. Union journeymen, mechanical contractors, suppliers and other industry partners have collaborated to perform free heating system check-ups and whatever repairs are needed, for qualifi ed, income disadvantaged households. The program is coordinated and administered in this area by the Fox River Valley Local 400 Plumbers & Steamfi tters union.
Local union member service technicians donate their time without pay, while their employers provide the trucks and service equipment. The union service techs diagnose what needs to be done to keep heating systems functioning through the coming winter and will perform anything from routine maintenance to a furnace or boiler replacement if necessary. Union members also install free smoke and carbon monoxide (CO) detectors where needed. Supply houses and local merchants typically donate the materials and equipment.
On Saturday, Sept. 27, Local 400 union members and local contractors will once again volunteer to provide free safety inspections and minor repairs of heating systems in the City of Fond du Lac and North Fond du Lac. Additionally, new smoke detectors, batteries for existing, functional smoke detectors and carbon monoxide detectors will be provided to improve homeowners’ safety to those applicants qualifi ed by local government services through Project Heat’s On.
Local 400 Plumbers & Steamfi tters,
along with members of the Mechanical Contractors Association of North Central Wisconsin have participated with local merchants, Fire Department, wholesale vendors and Fond du Lac County Senior Services.
To qualify for this free service you must be 60 years of age or older and have a current property tax bill that verifi es ownership. Homeowners must reside in the City of Fond du Lac or in Village of North Fond du Lac. Income guidelines are as follows: single $1,702 per month and couple $2,294 per month. There is a limit to the number of households that can be serviced so there is no guarantee that service will be able to be provided.
Selection of participants will be based on income, age of heating equipment, and order in which application is received. Applications are due to Senior Services no later than Sept. 15. To obtain an application for eligibility you must call Julie Hilbert, benefi t specialist for Fond du Lac County at (920) 929-3521, or stop at the City/County Building, Third Floor.
How to qualify
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10 | EXPERIENCE ACTION PUBLICATIONS | AUGUST 2014
“Grandma Betty,” as she is affectionately known by the students at Pier Elementary School, is a Foster Grandparent Volunteer in Joyce Finn’s kindergarten classroom. The classroom is full of 24 busy little kindergarteners ready to learn academics and enjoy their day as they develop social and emotional skills. There is no better person to help them with that positive development than Betty Trent.
Betty says “I feel I can give the children the gift of time and love. I can listen to them and help them in their growth and development.” Sometimes, with that many children in the classroom, another person to listen to a child read or help them complete a project is the difference in making a successful day for a child.
Somehow, Betty’s smiling face and
Betty Trent, foster grandparent volunteervolunteer
positive attitude seems to have a way of communicating to the children that she believes in them and they can accomplish anything. The best part is, they believe it. Joyce Finn, the kindergarten classroom teacher, notes that “Betty is talented and fun loving. She works so hard to strive to make every child feel special and unique.”
Betty explains what it’s like volunteering with the kindergarten students in the classroom — “Years seem to disappear as you are welcomed and included into their young lives. They accept you and you become a part of their world of learning, loving and growing. Joyce opens her class and heart to encompass you. She makes you feel valued and appreciated.”
When asked why should others consider volunteering in the schools,
Betty replied “It helps make your life richer and purposeful. The acceptance and love you receive is priceless.”
Retired and Senior Volunteer Program (RSVP) is currently recruiting tutor volunteers for the 2014/2015 school year. All volunteers 55 years and over receive support and training, mileage reimbursement, excess accident/liability insurance, and annual recognition. Some volunteers who are over age 55 and meet specifi c income guidelines may also qualify to receive a small stipend through the Foster Grandparent Program.
ADVOCAP RSVP OPPORTUNITIES:● Pre-School Classroom – assist
children ages three to fi ve with a variety of learning experiences in the classroom including playing games, reading stories, and social and emotional development. ● Elementary School – spend one-
on-one time tutoring a young person in a school setting to encourage academic achievements in literacy and math. School-based tutors are also mentors that model positive social skills to promote the increase in the students’ social competence and emotional maturity. ● Upward Bound Math and
Science – provide academic support in literacy and math to high school students from Fond du Lac High School and Horace Mann High School, North Fond du Lac. Tutors also provide encouragement and emotional support for students to reach their goal of college acceptance. Schedule is fl exible — tutors usually spend 1-1/2 to 2-1/2 hours per week.
Find out more about tutoring volunteer opportunities by contacting Bridget Bestor, Advocap volunteer development specialist at (920) 922-7760 or bridgetb@advocap.org. For more information about Advocap, visit advocap.org. RSVP (Retired and Senior Volunteer Program)
Betty Trent, foster grandparent volunteer at Pier Elementary School, proudly displays a Solar System project that she helped a student to create. SUBMITTED PHOTO
Senior Volunteer
By Valerie Graczyk, Someday Travel
Wayne, the other half of our “Someday” travel team, is an avid gardener and
landscaper. In our tours, we usually include at least one garden to visit. Three of the most spectacular gardens we have seen include Tivoli, located near Rome; Mendenhall Glacier Gardens in Juneau, Alaska; Chateau of Versailles in France.
Narrowing all these gardens to three was diffi cult because we had to leave out the 17th Century groomed gardens of Henry the VIII at Hampton Court Palace in England; the Five Queens Gardens at the Chateau Chenonceau in the Loire Valley, France; the Alhambra in Granada, Spain, with its spectacular fountains; and the Boboli Gardens in Florence, Italy.
The 15th century Villa d’Este — a UNESCO World Heritage Site — is located in the town of Tivoli, north of Rome. We will visit these Italian Renaissance Gardens on our Italy tour in April 2015. The gardens were commissioned by Cardinal Ippolito II d’Este, grandson of Pope Alexander VI, as his summer palace — a palatial setting surrounded by a spectacular terraced garden with cascading water, pools and fountains.
On one of our Alaskan excursions, we selected Mendenhall Glacier Gardens. The Reader’s Digest named it the “Most Interesting Landmark,”
WI-5001795726
Fond du Lac County Senior Dining MenuAUGUST 1
Chopped Steak in Burg/Mush Sauce,Mashed Potatoes, Mixed Vegetables, FudgeBrownie, Seedless Grapes,* Sliced Bread
AUGUST 4BBQ Pork Cutlet, Baby Red Potatoes, GreenBeans, Applesauce, Cookie,* Sliced Bread
AUGUST 5Chicken, Broccoli & Rice Casserole,
Spinach Salad with Rasp. Vinaigrette, Choc.Chip Cookie, Peach Slices,* Dinner Roll
AUGUST 6Country Fried Steak, Mashed Potatoes,Peas and Carrots, Fruited Gelatin, Ice
Cream Cup,* Sliced Bread
AUGUST 7Baked Spaghetti Casserole, Mixed ItalianSalad, Birthday Cake, Pear Slices,* French
Bread
AUGUST 8Orange Glazed Chicken Breast, BakedPotato, Chinese Ramen Salad, PineappleTidbits, Tapioca Pudding,* Sliced Bread
AUGUST 11Ham, Rolls, Au Gratin Potatoes, MixedVegetables, Rasp. Frozen Yogurt, Plum
Halves,* Sliced Bread
AUGUST 12Baked Chicken, Twice Bk Style Pot.,Pickled Beet, Salad, Apricot Halves,
Cookie,* Dinner Roll
AUGUST 13Pork Jaegerschnitzel, Mashed Potatoes,
Red Cabbage, Applesauce, Cake,Honeydew Melon,* Sliced Bread
AUGUST 14Hawaiian Meatballs, Baby Red Potatoes,Carrots, Watermelon Slice, Cinnamon Roll,
* Dinner Roll
AUGUST 15Beef Stew, Tossed Salad, ButterfingerTorte, Apple Slices,* Cheddar Biscuit
AUGUST 18Roast Turkey, Mashed Potatoes, Corn,Cranberry Gelatin Frosted Cake,* Sliced
Bread
AUGUST 19Meatloaf, Baked Potato, Peas and Carrots,Coconut Cream Pie, Pear Slices,* Dinner
Roll
AUGUST 20Escalloped Potatoes & Ham Casserole,Winter Blend Veg., Cantaloupe Slice,
Cookie,* Sliced Bread
AUGUST 21Beef Frank on a Bun, German Pot. Salad,Summer Blend Vegetables, Ice Cream Cup,
Peach SlicesAUGUST 22
Chicken Breast, Mashed Potatoes,Three Bean Salad, Petite Banana, Fudge
Brownie,* Sliced BreadAUGUST 25
Swiss Steak, Mashed Potatoes, SwissSpinach, Choc. Rasp. Torte, Fruit Cocktail,
* Sliced BreadAUGUST 26
Cranberry Glazed Pork Cutlet, BakedPotato, Peas and Carrots, Fruited Gelatin,
Vanilla Pudding,* Dinner RollAUGUST 27
Baked Chicken, Twice Bk Style Pot., HealthSlaw, Oatmeal Raisin Cookie, Applesauce,
* Sliced BreadAUGUST 28
Pepper Steak, Baby Red Potatoes, TossedSalad, Pineapple Tidbits, Sugar Cookie,
* Dinner RollAUGUST 29
Roast Pork Loin, Mashed Potatoes, BabyCarrots, Egg Custard Pie, Honeydew
Melon,* 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.
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EXPERIENCE | 11AUGUST 2014 | ACTION PUBLICATIONS
from puzzle on page 5
By Valerie Graczyk, Someday Travel
Wayne, the other half of our “Someday” travel team, is an avid gardener and
landscaper. In our tours, we usually include at least one garden to visit. Three of the most spectacular gardens we have seen include Tivoli, located near Rome; Mendenhall Glacier Gardens in Juneau, Alaska; Chateau of Versailles in France.
Narrowing all these gardens to three was diffi cult because we had to leave out the 17th Century groomed gardens of Henry the VIII at Hampton Court Palace in England; the Five Queens Gardens at the Chateau Chenonceau in the Loire Valley, France; the Alhambra in Granada, Spain, with its spectacular fountains; and the Boboli Gardens in Florence, Italy.
The 15th century Villa d’Este — a UNESCO World Heritage Site — is located in the town of Tivoli, north of Rome. We will visit these Italian Renaissance Gardens on our Italy tour in April 2015. The gardens were commissioned by Cardinal Ippolito II d’Este, grandson of Pope Alexander VI, as his summer palace — a palatial setting surrounded by a spectacular terraced garden with cascading water, pools and fountains.
On one of our Alaskan excursions, we selected Mendenhall Glacier Gardens. The Reader’s Digest named it the “Most Interesting Landmark,”
the “Upside-Down Flower Towers.” Flower towers are made by inverting the root ball of a tree pointing towards the sky. The tree is placed trunk fi rst into the ground and buried 5-7 feet. Fish netting is placed over the root ball and soils and mosses are laid down to provide nutrients and water. Over 100 fl owering plants are then planted on top and the results are fabulous!
I have visited Versailles and walked the Hall of Mirrors with our tour groups at least three times but I never realized the signifi cance of the gardens until I read the book, “The Gardener of Versailles” by Alain Barton, head gardener for the past 40 years. I intend to return and spend an entire day wandering this 2,100-acre park where Marie Antoinette had her own playhouse and theater.
As we tour the world wherever we go we seek out the beauty of the nature through a gardener’s eye.
Gardens of the World
Wayne and Valerie Graczyk at Tivoli Gardens, outside of Rome. SUBMITTED PHOTO
What is your travel dream? And why? Email Valerie at: somedaytravel@charter.net
WI-5001738847
2014 Transportation ServicesFond du Lac County Department of Senior Services
1-800-215-5494
Service Type Priorities CostElderly
Walk-on vans Medical, Employment, Nutrition $2.50 each way60+ years of age Personal Business, $2.50 each way
Education/Training, $2.50 each waySocial/Recreation $2.50 each way
EscortFrail; physician certified Medical, Therapy, Dental Within FdL County $2.50 each way
Outside FdL County $6.00 each way
Handi-VanWheelchair use or No prioritiesmobility impaired 6:00 a.m. - 5:30 p.m. (Mon-Fri) Fee $3.00 each wayNo age restrictions
Senior Service Transportation Service Phone Numbers
ELDERLY VAN: 60+ years of age ......................................................... 929-3936HANDI-VAN: Wheelchair or mobility impaired, no age restriction....... 929-3110ESCORT: Frail, no age restriction ......................................................... 929-3936
Senior Dining & Mobile Meals (60+ years of age) 929-3937
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