2011 November Good Times

8/3/2019 2011 November Good Times

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GOOD TIMES

FREE

NOVEMBER 2011

BOOMER

MEMORIES

•TRIVIA•FINANCIAL ADVICE

•AND MUCH MORE

•Portrait of the

American SoldierFrom the Civil War to Afghanistan

Ohio Historical Museum hosts reknown exhibition

•One of the best in the country...

A Visit to the Great Lakes Science Center



2 – GOOD TIMES • November 2011

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November 2011 • GOOD TIMES – 3

GOOD

TIMES Vol. 6 No. 2

Don Hemple, PublisherNancy Spencer, Editor

A monthly publication forAllen, Auglaize, Putnam,

Logan, Mercer and Van Wert Counties.

For editorial information:Nancy Spencer: 1-800-589-6950 Ext. 134

Email - [email protected]

For advertising information:

1-800-589-6950

Marilyn Hoffman Ext. 131

Stacy Prine Ext. 129

A DELPHOS HERALD

PUBLICATION405 N. Main St.,Delphos, Ohio 45833

ContentsBirthday Trivia

Birthday trivia answers

1. Richard Dawson2. Rodney Dangerfield

3. Art Carney

4. Burt Lancaster

4 .....THOSE WERE THE DAYS

1950s - The Age of Growth

5 .....THE AMERICAN SOLDIER

A Photographic Tribute

6-7 . GREAT LAKES SCIENCE CENTERSee, Touch and Explore

8 .... RED, WHITE AND BLUE MYSTERIES

Mars and Hershey share a secret

9 .... IN THE SAME BOATOn the heels of a warning

10 .. THE FEDERAL RESERVE AND

INTEREST RATES IN YOUR LIFE

11 .. CALENDAR OF EVENTS

1. I was born November 20, 1932 in Gosport,Hampshire, England. I am an actor best knownfor playing the part in Hogan’s Heroes as Cpl.Peter Newkirk. I was also the host of “FamilyFeud.” Who am I?

2. I was born November 22, 1921 in Babylon,New York. I am an American comedian, andactor, known for the catch phrases “I don’t getno respect”. Who am I?

3. I was born November 4, 1918, Mount Vernon,New York. I am an American actor in film,stage, television and radio. I am best known for playing Ed Norton, opposite Jackie Gleason’sRalph Kramden in the situation comedy TheHoneymooners. Who am I?

4. I was born on born November 2, 1913 inNew York City. I was an actor nominated four times for Academy Awards and won once — for my work in Elmer Gantry in 1960. I also won aGolden Globe for that performance and other awards for The Birdman of Alcatraz. Who amI?

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T ose ere T e Days 1950s...The Age of Growth

By Ronda AddyThe 1950s saw the end of

WII and the start of manymportant changes, includ-ng the rise of the American

economy. As GIs returnedome to attend college un-

der the G.I. Bill, Americanndustry prospered now thatt could supply goods thatad once been unavailable

due to the war.Along with prosper-

ity, the 1950s saw a rise inconict. Under the threatof nuclear annihilation, theUnited States became em-broiled in a Cold War with

the Soviet Union from 1945to 1991. On June 25, 1950,the Korean Conict startedas a civil war between Northand South Korea, both of which were competing forpower after the division of the country. The conictescalated to include the So-viet Union and the People’sRepublic of China in sup-port of North Korea and the

United States, Canada, Tur-key, the Philippines and theUnited Kingdom in supportof South Korea. On Novem-ber 29, 1952, President-electDwight Eisenhower wentto Korea to see what couldbe done to end the conict.When India proposed a Ko-rean armistice, the UN ac-cepted it and a cease-reoccurred on July 27, 1953.No formal treaty was eversigned to end the conict,and today, a demilitarizedzone remains manned byNorth Korean soldiers onone side and South Korean

and American soldiers onthe other.On the literary front,

many accomplishments tookplace during the 1950s. Sev-eral notable books were pub-lished, including WilliamGolding’s Lord of the Flies,Norman Vincent Peale’s ThePower of Positive Thinking,J.D. Salinger’s The Catcherin the Rye and John Stein-

beck’s East of Eden. In thelate 1950s and early 1960s,a group of writers calledthe beat generation createdsome of their most importantworks, including WilliamBurrough’s Naked Lunch,Allen Ginsberg’s Howland Jack Kerouac’s On theRoad.

During the 1950s, TV re-placed radio as the dominantform of family entertainment.Viewers were treated to suchshows as The Ed SullivanShow, Father Knows Best,The Honeymooners, I LoveLucy, Lassie and The Twi-

light Zone. By 1954, colorbroadcasts begin replacingblack and white ones, andnews segments featuredlive events from around theworld.

Sports was also big dur-ing the 1950s. Popular g-ures included Yogi Berra,Mickey Mantle, RockyMarciano, Willie Mays andSugar Ray Robinson.

Other notable events of

the 1950s included:• President Harry Truman

gave approval for work tobegin on the hydrogen bombin 1950.

•The Immigration andNaturalization Act wassigned in 1952, removingracial and ethnic barriersto those wishing to becomeU.S. citizens.

• Ethel and Julius Rosen-berg were electrocuted in

1953 after being convictedon charges of conspiracyto commit espionage and

for passing nuclearweapon secrets to theSoviet Union.

• Senator JosephMcCarthy led thetelevised hearings re-garding alleged Com-munists in the armyin 1954.

• The United StatesSupreme Court ruledthat racial segrega-tion in public schoolswas unconstitutionalin 1954.

• Rosa Parks re-fused to give up herseat on a public bus

in Montgomery, AL,in 1955, setting the stage forthe Civil Rights Movement.

• The American Federa-tion of Labor and the Con-gress of Industrial Organiza-tions merged in 1955 to formthe AFL-CIO.

• Dr. Jonas Salk devel-oped the polio vaccine in1955.

•The Soviet Union

launched the world’s rstarticial satellite in 1957,Sputnik, which orbited theearth for 98 minutes.

•The United Stateslaunched its rst successfulsatellite in 1958, Explorer I,which orbited the earth for114.9 minutes.

•National Airlines of -fered the rst domestic jetplane passenger service be-

tween New York City andMiami in 1958.

•Alaska and Hawaiibecame the 49th and 50thstates in 1959.

The 1950s saw manychanges. The economy pros-pered in a way it hadn’t insome time, returning GIscreated the baby boom gen-eration, the space race our-ished and tides of unrestemerged.

Ofcials with full-scale Explorer 1 model, rst U.S. suc-cessful launch of a satellite, at Redstone Arsenal, includingMaj. Gen. John Medaris (3rd from left), Walter Haeusser-mann, Werner von Braun and Ernst Stuhlinger.

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http://slidepdf.com/reader/full/2011-november-good-times 5/12November 2011 • GOOD TIMES – 5

This stirring exhibition is on display at the Ohioistorical Society, Columbus, Ohio until December1, 2011

This exhibition includes photographs from ninears, starting with the bloody Civil War clashes in the

ation’s heartland to the ghting in the streets of Bagh-ad. It’s about those soldiers who know the face of thenemy and the hellre of war.

The exhibit’s photographs from the past 150 yearsf American military service demonstrate the powerfulimilarities between American soldiers from century toentury.

Most of the photographs were taken by well-knownhotographers including Mathew Brady (Civil War),avid Douglas Duncan (WWII and the Korean War)

nd David Leeson (the Iraq war). But some of the most

powerful images were taken by the soldiers them-selves.

Though it’s more than 150 years since the birth of photography, the camera has become the soldier ’s his-torical notebook, recording the lives and times of these

brave warriors. As photography improved, so did therecord of the American soldier. The camera got closerand closer to a soldier’s life as it captured hard times,humor, courage, camaraderie, honor, victory and forsome, the ultimate sacrice, death.

The powerful American Soldier photo collectionmade its debut in 2007, and has since traveled acrossthe United States for extended exhibitions at nine ven-ues. The exhibit’s curator and producer Cyma Rubinsays overall response has been “tremendous,” with thetribute attracting visitors of all kinds – from studentsand families to veterans and active duty military per-

sonnel. To date, it has been viewed by approximately900,000 people.One of the most poignant shows a sergeant savor-

ing a letter from his wife. Photographer Cheryl DiazMeyer, a Dallas Morning News photographer who wona 2004 Pulitzer Prize for the image, captures the soldierwith his eyes shut while he sniffs the owered statio-nery for a scent of home.

Other heartfelt moments between American sol-diers and foreign civilians put a human face on war. AFrench woman greets a GI during World War II withoutstretched arms. Vietnamese children gaze at a para-trooper holding a grenade launcher on a canal bank.A young Iraqi girl follows in the footsteps of a burly,camouaged soldier patrolling her neighborhood.

Admission: The American Soldier is part of thestandard admission to the Ohio Historical Center.OHS Members FREE , Adults (13–59) $10Seniors (60+) $9 , Youth (6–12) $5Children (5 and under) FREE , Parking is FREE.Museum Hours: Wed.-Sat.: 10 a.m. – 5 p.m.Sunday: 12 p.m. – 5 p.m.Closed Monday and TuesdayCall for special holiday hours.For More Information : 614.297.2300 | 800.686.6124

[email protected] : Ohio History Center800 E. 17th Avenue, Columbus, OH 43211

THE AMERICAN SOLDIER A PHOTOGRAPHIC TRIBUTE FROM THE CIVIL WAR TO IRAQ

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Great Lakes Science Center, located at01 Erieside Avenue, at Cleveland’s Northoast Harbor, is one of the nation’s leading

cience and technology centers and homeo Northeast Ohio’s NASA Glenn Visitor

enter. It features hundreds of hands-on ex-ibits, themed traveling exhibitions, dailyemonstrations, the awe-inspiring OMNI-AX® Theater and the Steamship William. Mather.

NASA GLEN VISITOR CENTER:Great Lakes Science Center is the new

fcial site of the NASA Glenn Visitorenter. Phase I, which features more than0 exhibits and artifacts, is now open, andork on the highly anticipated second

hase of the Visitor Center is currently un-erway. When fully complete in 2012, theew NASA Glenn Visitor Center will fea-ure an exciting blend of NASA artifactsnd new, highly interactive exhibits focus-ng on aeronautics, scientic discovery andpace exploration.

Moving from Brook Park to the Scienceenter elevates the visibility of the NASAlenn Visitor Center and the work done atASA Glenn Research Center. The Scienceenter’s goal is for everyone in the region

o know not only that Northeast Ohio has a

ital NASA Research Center, but also thatortheast Ohio has a NASA Glenn Visitorenter – one of only 10 NASA Visitor Cen-

ers in the country.Hosting the new NASA Glenn Visitor

enter at Great Lakes Science Center is aatural extension of their mission to helpeople of all ages achieve and maintainreater science literacy in order to sustainnd improve the quality of life in Greaterleveland, the Great Lakes region and be-ond.

Skylab 3 Apollo Command ModuleSee the newest addition to the NASA

Glenn Visitor Center, the actual Skylab 3Command Module that travelled to the Sky-lab Space Station.

Learn the history of the space capsulewhen it was used in 1973 to take three astro-

nauts to the Skylab Space Station and thenreturn them to Earth 60 days later.

Marvel at the 12,800-pound, fully intactcapsule- a substantial piece of space his-tory!

See, Touch and ExploreBuild a spacecraft and test how it would

handle the stresses of a launch with our me-chanical vibration simulator.

Become a pilot for the day as you landa shuttle and y a plane in our NASA ightsimulators.

Experience the sights and sounds of dif-ferent rocket launches throughout Ameri-ca’s history.

Interact with NASA’s website and watchNASA TV, the space agency’s own televi-sion network.

See a real, 175-gram moon rock recov-ered by Apollo 15!

Models and ArtifactsSee models of rockets, shuttle engines,

lunar landers and more!Get a glimpse of a larger-than-life solar

panel that was used in testing at the NASA

Glenn Research Center in 1995.Take a step back in time and see a real

spacesuit, worn by astronaut Paul Weitzwhen he took a spacewalk outside the Sky-lab space station in 1973!

Journey to the MoonLearn about the future of space travel

and create your own lunar base with wood-en blocks.

Become an astronaut as you maneuver aremote-controlled lunar rover around rockson our model of the moon’s surface.

See a map of NASA’s lunar lander sitesand look at lunar soil simulants through a

microscope!

STEAMSHIPWILLIAM G. MATHER

Check hours by calling 216-694-2000 oronline at www.greatcenter.com as ship hasseasonal hours)

Discover what life onboard a workingGreat Lakes freighter was like as you tourthis restored 618-foot historic agship. Ex-plore the 1925-built Mather from stem tostern and see its huge cargo holds, brass

and oak pilot house, elegant guest quartersand four-story engine room. Walk the decksand marvel at the “engineering rsts” thathelped transform Northeast Ohio into agreat industrial center. Experience the gold-en era of steamboats on one of the best!

BIOMEDTECH:Engineering for Your Health

Discover the rapidly advancing eld of medicine at Great Lakes Science Center.The BioMedTech: Engineering for YourHealth gallery engages visitors in an explo-ration of the advances in medical technol-ogy and engineering.

Visitors can control a robotic prostheticarm; examine engineering changes in thedevelopment of prosthetics; observe mi-croscopic images of infectious agents; andlearn about positron emission tomography(PET) scan technology. Guests can alsoget up close to a magnetic resonance imag-ing (MRI) machine; explore the inside of astomach with an endoscopic camera; andlearn about the work being done by localresearchers, scientists and businesses to de-velop innovative medical technologies.

SCIENCE PHENOMENA FLOORExperiment with more than 100 hands-

on exhibits that satisfy and delight the cu-rious scientist in each of us. Explore thescience of light, optics, sound, resonance,motion, mechanics, electricity, magnetismand weather. Some featured exhibits in-clude:

Indoor Tornado -learn what is needed toform a tornado and stick your hand in themiddle of the whirling cyclone!

Shadow Room - experience the phe-nomenon of photoluminescence when theash of a strobe light freezes your shadowagainst the wall!

Bridge of Fire - a static generator gener-

See, Touch and Explore

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http://slidepdf.com/reader/full/2011-november-good-times 7/12November 2011 • GOOD TIMES – 7

ates 200,000 volts of electric current, caus-ing the shortest hair to stand on end!

OMNIMAX® TheaterExperience movie magic on a giant

screen that’s six stories high. Our Cleve-land Clinic OMNIMAX Theater featuresa domed screen that surrounds you withbreathtaking images and ultra-real digitalsound. It’s an unforgettable cinematic ex-perience.

Plunge into the jaws of Tahiti’s famedTeahupo’o as the world’s best surfer, KellySlater, takes audiences on an adrenaline-drenched voyage of discovery and show-cases how waves inuence and shape ourplanet.

GOOSEBUMPS -The Science of Fear...

So much fun, it’s scary!Do crawling cockroaches give you the

creeps? Are you particularly petried ona plane? Are you feverishly frightened of falling? Explore popular fears in this heart-pounding, laughter-lled (and totally safe)exhibition about the often-dreaded emo-tion.Discover fun, interactive fear challenges :

Fear of animals: Can you reach insidean opaque box connected to terrariumslled with snakes and other creatures? It’seasier said than done!

Fear of electric shock: Think you canhandle it? Feel your heart beat faster andyour muscle tense as you anticipate a mild

electric shock.

Fear of falling: Can youstay cool as a cucumber asyou wait to fall backwardswithout warning? See howfear registers on your face.

Mr. Goose Bumps: Meetthis larger-than-life animat-ed gure that comes alive toplayfully illustrate how hisbody changes when he getsscared.

Freeze Game: Can yououtsmart a leopard? Playan immersive video gameand collect fruit withoutbeing seen by the leopard.If he sees you move, he’llpounce!

Make a scary movie:Like to be scared? Experi-ment with different sound-tracks and frightening soundeffects to create your ownscary movie!

Fear Theater: Can youlearn fear? Participate in a live demonstra-tion by Science Center staff, experiencefear conditioning rst-hand and see howscientists measure fear in the lab.

The Science Center brings a world of exploration and education to more than300,000 visitors each year.

•The center seeks to inspire young mindsby providing critical science, technology,engineering and math (STEM) education

to more than 60,000 eld trip students an-

nually. It also provides the highest qual-ity science experiences to more than 2,000children each year with camps on-site andin multiple community locations.

•Is home to Northeast Ohio’s rst windturbine.

•Is dedicated to educating NE Ohio re-garding fresh water, biomedical technologyand advanced energy viability.

The center also is offering free generaladmission to the NASA Glenn Visitor Cen-

ter and to Great Lakes Science Center onTuesdays to all youth (18 and under or anystudent up through the 12th grade accompa-nied by an adult.)

For more information on the Center youcan call Great Lakes Science Center

601 Erieside Ave.Cleveland, Ohio 44114216-694-2000email at [email protected] or visit their

website at: www.greatscience.com.

We provide compassionate, expert, advanced care, rising above

and beyond the standard care. We offer hometown services that

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http://slidepdf.com/reader/full/2011-november-good-times 8/128 – GOOD TIMES • November 2011

By Paul Niemann

Mars and Hersheyshare a secret

Have you ever wondered how certainproducts get their names? Take M & M’s,for example. What do the two M’s standfor? The answer will surprise you – andyou will probably remember this story ev-ery time you eat M & M’s in the future, just like you’ve noticed the arrow in theFedEx logo ever since someone rst toldyou about it.

Last week my mother-in-law gave mea book, titled The Emperors of Choco-late, which tells the story of the Mars andHershey chocolate companies. Naturally,when my bride of six months – who isconvinced that chocolate is one of the fourmain food groups – heard that this week’sstory is about chocolate, she asked if thismeans that we will be going to Hershey,Pennsylvania, any time soon.

But I digress. Mars was founded byForrest Mars, Sr., in 1920, while Hershey

was founded by Milton Hershey in 1894.The two companies are bitter rivals that,together, control 95% of the candy marketin the United States.

There are several interesting thingsabout the Mars and Hershey chocolatecompanies – and the entire chocolate in-dustry, for that matter. For example, atMars, they are so focused on quality thatmillions of M & M’s are thrown out ev-ery day simply because the M’s are not ap-plied properly. Yet when Forrest Mars, Jr.

and his brother and sister were growing upin the 1940’s, their father never let themeat M & M’s because he said they couldn’tspare any of them.

Meanwhile, Milton Hershey foundedthe Lancaster Caramel Company in 1890,and had turned it into the nation’s largestcaramel company by 1900. He was at thetop of the business world when he sold it

for $1 million that year. Before he sold it,he had already discovered the opportu-nity that chocolate presented him, so hefounded the Hershey Chocolate Company.

His chocolate company was the rst oneto sell its products nationwide. Within afew years, he had built an entire town thatwould later become known as Hershey,Pennsylvania.

Both founders – Forrest Mars, Sr., andMilton Hershey – had to get away fromtheir fathers before they became success-ful. Milton Hershey’s rst two companiesfailed after his father interfered by tryingto get the son to expand too fast. ForrestMars, on the other hand, was kicked out

of his father’s chocolate company when heinterfered by trying to get his father, Frank,to expand his business. Both the elder Marsand the younger Hershey had failed in theirrst couple of business ventures.

But one of the more interesting storiesabout the Mars and Hershey chocolatecompanies is what the M’s stand for on theM & M’s candy.

The two companies are bitter rivals.The Mars Company was run by ForrestMars, while the Hershey Company was

run by Milton Hershey’s good friend, Wil-liam Murrie, when Mars introduced M &M’s to the public back in 1940.

It would make sense if M & M stoodfor Mars & Mars, which is what the Marsemployees claim, but the truth is that oneof the M’s stands for William Murrie’s son,Bruce. So, in reality, the brand name of M& M stands for Murrie & Mars. Or Mars& Murrie.

Why would Forrest Mars agree to namehis hot new product after the son of the

president of Hershey, his biggest rival?The two companies were once depen-dent upon each other. Forrest Mars, Sr., re-cruited Bruce Murrie to work for him, andit made sense at the time to offer to nameone of the M’s after Murrie. Plus, Hersheyhelped Mars design some of its machines,and it was the vendor that supplied theMars Company with its chocolate.

MYSTERIES

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YOU TRAVEL WITH THE BEST

•Sat., Nov. 5 • “SHOPPING ATBIRCH RUN & BRONNER’S”Frankenmuth, MI, Enjoy shop-ping on your own at the amaz-ing Prime Outlet or enjoythe Christmas Shopping atBronner’s. $59

•Fri., Nov. 11 • “CHRISTMASIN AMISH COUNTRY”- Berlin, OH. Happy Holidays from AmishCountry! Christmas shopping, cookie decorating, fantastic Amishhome meal and caroling await you with this fantastic holiday trip. $89Meal Included

•Weds.-Sun., Nov. 16-20•“CHRISTMAS IN THESMOKIES PLUS THEBILTMORE ESTATE” - PigeonForge, TN - Enjoy 2 nights inthe smokies and 2 nights inAsheville, NC. Enjoy 4 shows,

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•NEW!! Weds., Dec. 14 • “VON TRAPP CHRISTMAS” - Sandusky,OH - For Elisabeth von Trapp, the sounds of music are part of her earli-est memories. The grand-daughter of the legendary Maria and Baronvon Trapp. This entertaining holiday concert will combine the classicand the new covering holiday standards. $99.00 lunch included

2011 Schedule

Call 419-423-9160For a detailed itinerary on any of these tours or a complete schedule.

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In the Same Boat


http://slidepdf.com/reader/full/2011-november-good-times 9/12November 2011• GOOD TIMES – 9

...a cheeseburger cost 19¢

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On the heels of a warningIn today’s liti-

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DO NOT WEARHIGH HEELS.

You might thinkto yourself, “What?No man I know

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look up and nd it’s a man wear-ing those Louis Vuittons!

Someone needs to do some-thing. Clearly, these men have nev-er spoken to women about wearingheels, and they face grave conse-quences if they proceed with this

fashion choice. The heel-wearingmen in the article I read cited bore-dom with men’s shoe options, andthey like how the shoes literallyelevated them above the crowd.But they are woefully unaware of the hazards associated with heel-wearing. This cannot go on. Be-cause at this point no lawyer hasstepped forward with the appro-priate warning label language formen’s high heeled shoes, I would

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5.) Sink into the mud (again,another face-plant opportunity);and

6.) Ruin any chance you mayhave had to sneak up on someone.Or get that job you wanted. Or goout with that girl. Ever.

Men of the world—you’re wel-come. I am happy I was able tooffer this wisdom before the craze

took over the planet and the JimmChoos took over your closets. Justdon’t do it.

If you need more variety iyour wardrobe, go for a cape in-stead. You’ll look better trying toy.

Mary Beth Weisenburger writes from her home in northwest Ohioand has never mastered the arof walking in stilettos. Check ouher website at marybethw.com oemail her at [email protected].

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he Federal Reserve and



We regularly hear news reportsabout a decision by the Federal

eserve (the Fed) to raise or lowernterest rates or to leave them un-

changed. Recently, Federal Reserve

hairman Ben Bernanke announcedhat the Fed would hold the line onnterest rates it controls until theiddle of 2013. The announcement

of the Fed’s interest rate policy overan extended period of time wasnprecedented. So does that meanhe rates that have the most impactn your life will remain unchanged

over the same period?The simple answer is no. The

ederal Reserve’s interest rate poli-

cy can impact the rates paid on yournterest-bearing accounts, bonds youay own or the rate you will pay on

our auto loan. But the impact maye indirect as other factors can also

affect how the market sets interestates on other instruments.

Comparing short- andlong-term interest rates

The Fed controls monetary pol-icy, inuencing the availability andcost of money and credit to helpmanage the direction of the econo-my. While the Fed has a number of tools at its disposal, one of its mostpowerful is control of the FederalFunds (or “Fed Funds”) interest rate.

This is the rate that banks chargeeach other for overnight loans of money from reserves that are heldby the Fed. The free market actuallysets the rate, but the Fed establishes

a target for it.If the Fed is trying to boost eco-

nomic growth, particularly during arecession or period of slow growth,it will lower the Fed Funds rate. If the economy appears to be growingtoo fast – meaning that there is anincreased threat of a serious ina-tion problem – the Fed will usuallyraise the Fed Funds rate target totry to moderate that growth. We’veseen both types of actions happen on

multiple occasions.For example in the early 1980s,the Fed raised short-term inter-est rates sharply in a move to helpthwart what was a period of rampantination in the U.S. This move iscredited by many with helping tobreak the ination problem and setthe economy on a path of steady

growth tied to modest ina-tion.

The challenge today hasbeen quite different. The -nancial crisis that explodedin the fall of 2008 steepenedthe recession. Since Decem-ber 2008, the targeted FedFunds rate has been 0 to0.25 percent, as low as it canbe set. While the economyeventually regained somemomentum, the rate of re-covery has been so slow thatthe Fed has not adjusted itstarget rate since that time,

and now apparently won’t

before the middle of 2013.What the Fed can’t controlWhile the Fed’s stance on short-

term interest rates inuences other

interest rates, such as those on bondsor home mortgages, other factorscan come into play as well.

For example, longer-term inter-est rates are often closely tied touctuations in the cost of living. If the ination rate should suddenly

jump, chances are that interest rateson government and corporate bondsand on personal borrowing instru-ments (mortgages and car loans)would rise as well. History showsthat interest rates tend to track on apath similar to the ination rate.

In fact, a sudden bout of ina-tion would likely cause the Fed tochange its own interest rate stancesooner than 2013, which could con-tribute to a sudden upturn in longer-term interest rates.

Another potential concern isthat investors in U.S. governmentbonds, which are issued to deal withthe nation’s debt, may start shiftingmoney away from that asset class. If

the demand for bonds issued by the

government declines, the yield onthose securities could move higher.That was already happening in 2010,as the economy showed promising

growth. But yields on longer-termgovernment debt securities havedeclined again lately due to signs of slower economic growth and fearsabout the risks of another recession.

A key point to keep in mind isthat even though the Federal Re-serve may be committed to main-taining a low Fed Funds rate for thenext two years, it doesn’t mean thatrates on other types of instrumentsmight not change between now andthen. If you are considering buyingor renancing a home or locking ina CD rate for an extended period of time, remember that interest rateson most types of debt are subject touctuation independent of FederalReserve policy.

JoAn M. Smith, CFP® | Financial Advisor | CERTI-FIED FINANCIAL PLANNER practitioner

Ameriprise FinancialAdvisor is licensed/registered to do business with

U.S. residents only in the states of Ohio, North Carolina,Florida and Maryland.

Brokerage, investment and nancial advisory ser-vices are made available through Ameriprise FinancialServices, Inc. Member FINRA and SIPC. Some productsand services may not be available in all jurisdictions orto all clients.

© 2011 Ameriprise Financial, Inc. All rights re-served.

he Federal Reserve andInterest Rates in Your Life

By JoAn Smith, CFP

Brokerage, investment and fnancial advisory services are made available through

Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products andservices may not be available in all jurisdictions or to all clients. Ameriprise Financialcannot guarantee uture fnancial results.

© 2011 Ameriprise Financial, Inc. All rights reserved.

Jobs may change.Retirement dreams don’t have to.If you’ve left a job and have a 401(k) or other retirement accounts,

don’t forget about them. Rolling over assets you have with former

employers or other institutions to an Ameriprise® IRA can be

important in making your retirement dreams a reality.

Our Advisors. Your Dreams. MORE WITHIN REACH®

Jo An M M. Smith, CFP®

practitioner

Financial Advisor

227 N Main StDelphos, OH 45833

419-695-7010

[email protected]

www.ameripriseadvisors.com/ joan.m.smith

Call me today at (419) 695.7010


AREA CALENDAR OF EVENTS


http://slidepdf.com/reader/full/2011-november-good-times 11/12Novermber 2011 • GOOD TIMES – 11

Nov. 5•Craft & Vendor Fair / Van Wert

YWCA / 8 a.m. - 3 p.m.Start your Christmas shopping early and

in one convenient location. Shop a varietyof unique crafts and vendors.

•Smoke On The Mountain at 7 p.m. at

Dicke Auditorium in New Bremen.Join the congregation for his hilarious

rip-roaring bluegrass gospel fest to beatthe band. A musical comedy that will temptyou to tap your feet and sing along... if youcan stop laughing long enough. Tickets $20adult/$12 students at the box ofce at West-ern Ohio True Value Minster or call 419-733-0252.

Nov. 12•Scaling Innity

The Lima Symphony Chorus opens aconcert of transcendent musical beauty withRalph Vaughan Williams’ exquisitely sweetand tender Serenade to Music. Celebrate theglories of childhood innocence, the strug-gles of adulthood and the nal assent to theinnite reaches of heaven with Strauss’ tonepoem, Tod und Verklarung. Concert startsat 7:30 p.m. at the Veterans and MemorialCivic and Convention Center, Lima.

•Bluegrass Concert at the Famous OldTime Music

20322 US 33, WapakonetaHosted by Vernon McIntyre’s Appala-

chian Grass, Bluegrass in the Corneldsis an evening of lively bluegrass entertain-ment featuring the nest national and localtalent. This is an indoor concert. Good foodby Margaret’s Kitchen available on site.Showtime: 4 p.m. Admission: $10 Featuredbands: Vernon McIntyre’s AppalachianGrass plus more!

•Real Live Baby Duck RacingYes, ducks not horses. They run just like

the horses at the fair only it takes place in-side. Don’t get shut out at the gate. Racesstart at 7 p.m. at the Celina American Le-gion Post 210 at 2510 SR 703. Proceeds tobenet the Son’s of American Legion Schol-

arship Program

Nov. 16-20•Wapakoneta Festival of Trees hosted

by the Gardens at Wapakoneta. For moreinfo call 419-738-7430 or email [email protected]

Nov. 18•Toast to the YWCA & Silent Tree

Auction / Willow Bend Country Club/ doorsopen at 6 p.m., toast at 7 p.m.

Join the Van Wert YWCA for a grandevening of wine and beer tasting! Enjoy anight on the town while learning about a va-riety of wines and premium beers. The eve-ning will be complete with hors d’oeuvresand valet parking. The Silent Tree Auctionwill also be held at this event. Numerousbusinesses and individuals throughout thearea decorate and donate trees and wreathsfor silent bidding. This year the “Y” is add-ing a twist to the event — if your bid is ac-cepted, you will have the option of donat-ing the beautifully decorated tree to a less

fortunate family in the community. Contactthe Van Wert YWCA for more informationat 419-238-6639. Reserve seating only.

Nov. 25-27, Dec. 1-4•Irving Berlin’s White Christmas at

the Encore Theatre, 991 North Shore Drive,Lima

Veterans Bob Wallace and Phil Davishave a successful song-and-dance act after

World War II. They become romantically in-volved with a sister act and team up to savethe failing Vermont inn of their former com-manding general.

Call 419-223-8866 for ticket informationor visit Visitor Info, Calendar of Events for

ticket details.

Nov. 27•David Phelps Christmas / Niswonger

Performing Arts Center / 7:30 p.m.For more than a decade, Phelps has

honed his ability to identify and delivergreat songs, and it has earned him a reputa-tion as one of the Christian industry’s mostversatile voices. Phelps gained acclaim dur-ing his eight years with the Gaither VocalBand, before leaving to resume his solo

career with a deal on Word Records. Notedas a lyric tenor for his ability to sing in ahigh tessitura for sustained periods, Phelps

has consistently garnered rave reviews forhis three octave range. Beyond his obvioustechnical skill, what sets Phelps apart is theheart and emotional weight he brings to eachperformance. More than just a great singer,he has the ability to really connect with a

lyric and convey every nuance of feeling ina great song. For more information call thebox ofce at 419-238-6722 or visit www.npacvw.org

VANCE STREET APARTMENTS

Want to live independently and still save money?

NOW’S THE TIME! Our Waiting List Has Never Been Shorter!

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Attention Folks 55 and older:

AREA CALENDAR OF EVENTS

Christmas events are beginning in the area with Christmas Craft Fair at theYWCA in Van Wert, Wapakoneta Festival of Trees, and many Christmas plays andconcerts.

David Phelps Christ-

mas at the Niswonger

Performing Arts Center

on Nov. 27.


http://slidepdf.com/reader/full/2011-november-good-times 12/1212 – GOOD TIMES • November 2011

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Documents

2011 November Good Times