2012 August/September Good Times

Embed Size (px)

Citation preview

  • 7/31/2019 2012 August/September Good Times

    1/12

    GOOD TIMES

    FREE

    A Visit to

    HISTORIC

    FORT

    WAYNEThe Fort prepares for 200th

    Anniversary of the Siege of Ft. Wayne

    A local artist paintsa unique twist

    to family portraits!

    BOOMER

    MEMORIESTRIVIA

    FINANCIAL ADVICE

    AND MUCH MORE

    August/September 2012

  • 7/31/2019 2012 August/September Good Times

    2/12

    2 GOOD TIMES August/September 2012

    Vol. 6 No. 11

    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. 134Email - [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

    Contents

    Birthday Trivia

    Birthday trivia answers1.Sean Penn2.Marlee Matlin

    3. Joe Perry4. Linda Gray

    5. Michael Keaton

    3 .....THOSE WERE THE DAYS

    Puzzle helped end communism

    4 .....CROSSWORD FUN

    Theme: The Fifties

    6 .... PORTRAIT ARTIST WITH A

    DIFFERENT PERSPECTIVE

    7 .... HISTORIC OLD FORT WAYNE

    9 .... IN THE SAME BOAT

    Bats in my belfrey

    10 .. ADJUSTING YOUR PLANS

    ON THE ROAD TO RETIRMENT

    11 .. HOMEGATING PLAYBOOK

    Recipes and more!

    1. I was born on August 17, 1960 in Santa Monica,California. I am an American actor, screenwriterand film director. Among my movies are Taps, FastTimes at Ridgemont High. Who am I?2. I was born August 24, 1965 in Morton Grove,Illinois. I am the youngest actress, and the onlydeaf performer, to win the Academy Award for BestActress in a Leading Role, which I won for Childrenof a Lesser God. Who am I?

    3. I was born September 10, 1950 in Lawrence,Massachusetts. I am a musician-song writer, butam best known for being a guitarist in Aerosmith.I was once known as a Toxic Twin with StevenTyler. Who am I?

    4. I was born on September 12, 1940 in SantaMonica, California. I am an actress with appear-ances in TV series of McCloud and Marcus Welby,M.D., but am best known for playing the part of SueEllen Ewing on Dallas. Who am I?

    5. I was born on September 5, 1951 in Coraopolis,Pennsylvania. I am an actor and comedian. I ambest known for my starring roles in Beetlejuiceand Batman. Who am I?

    GOOD TIMES

    Downtown Delphos

  • 7/31/2019 2012 August/September Good Times

    3/12

    August/September 2012 GOOD TIMES 3

    Puzzle helped end communismfor one Eastern European country

    By Paul Niemann 2012

    This story is about the creationof a puzzle and its Hungarian in-ventor who has an unusual name.And it all began in 1980.

    Think back to what was hap-pening in the 1980s: RonaldReagan was President, disco wason its way out and the Cubs werelosing most of their games. OK, sosome things never change.

    This puzzle was so revolution-ary that it helped Hungary convertfrom communism to capitalism.How?

    There were two ways: First, thexport sales of the puzzle between

    1981 to 1985 were so large that itmade it clear that the Hungarianconomy needed to change fromommunism to capitalism.

    Second, a popular Hungarianauthor wrote a musical play aboutthe puzzle. The play lasted forthree seasons in Budapest and wasritical of the communist regime.

    There were a number of strangeincidents surrounding the puzzle,too. For example, one man spentso much time trying to solve it thathis wife led for divorce, blamingit on the puzzle.

    A football game in Connecticutwas delayed because one of theplayers didnt show up in time forthe opening kickoff. He was laterfound trying to solve the puzzle inthe locker room.

    A seven-year old Norwegianboy could solve the puzzle, but hecouldnt explain how he did it.

    There was even a TV seriesin the U.S. about the puzzle. Itappeared on ABC from 1983 to

    1984.This multi-colored puzzle

    has 43,252,003,274,489,856,000(thats 43 quintrillion) differentpossible congurations, but onlyone that is correct.

    But thats nothing comparedto the fact that two new medical

    conditions came about as a resultof people spending so much timetrying to solve the puzzle.

    Yet, despite all of this, themajor toy companies rejected itat rst! Then when the Ideal ToyCompany took it on in 1980, theysold more than 100 million unitsin the rst three years.

    What was the inventors un-usual name?

    Erno Rubik. As in RubiksCube.

    At one point, one out of everyeight people IN THE WORLD hadtried to solve Rubiks Cube. Veryfew have succeeded, though. I re-member the contest that we had

    in the early 1980s in high schoolheld by our popular English teach-er, Mr. Preston. There were threecontestants also known as Cub-ists who could each solve theCube in about a minute. The Ger-man exchange student would rou-tinely solve the Cube while barely

    even looking at it.Here are a few other facts that

    you might not have known aboutRubiks Cube:

    It was originally named theMagic Cube in Hungary beforeIdeal began selling it in America.

    According to a poll, 85% ofAmericans are familiar with Ru-biks Cube.

    The world record for solvingthe Cube in the shortest amount of

    time is 23 seconds.The two medical conditions

    that occurred as a result of peoplespending too much time trying to

    solve the Cube are known as theCubists thumb and Rubiks wrist.

    Erno Rubik became the rstself-made millionaire in the com-munist bloc.

    What ever happened to him?Hes alive and doing well in

    Hungary.

    VANCE STREET APARTMENTS

    Want to live independently and still save money?

    NOWS THE TIME!Our Waiting List Has Never Been Shorter!

    Sign up now and receive:Independent living for Seniors 55 & OlderSpacious Efciency & 1 BR

    HUD Section 8, Rental Assistance

    for Qualied Individuals

    Hot Water and Trash Service Included

    24 Hour Emergency Maintenance

    On Site Managers On Site Laundry

    On Site Elevator

    Off-Street Private Parking for Residents and Guests

    Walking Distance to Downtown

    Contact us at: 137 Vance St., Bluffton, OH 45817

    419-358-7795 TDD 1-800-750-0750

    Professionally

    Managed by Showe

    Management Corp.

    Attention Folks 55 and older:

    What series began its ve-year run in1959 with: The place is here, the time

    is now?

    What was Fonzies rst name?

    What comedian asked God: What is acubit?

    What was the name of Jim Westssidekick on The Wild, Wild West?

    What comic strip was dropped fromthe Tokyo edition of Stars and Stripes

    for its ippancy and lack of respect forofcers?Answers on Page 5

    33 Yearsof reliable

    local service

    WEVE GOT YOU

    COVERED!

    Bebout and HougRoofing and Siding, Inc.

    If youre not getting our price, you may be paying too much!

    37

    Your Local Home

    Improvement SpecialistServing the Community for

    over 37 years!

    FREE ESTIMATES

    FINANCING AVAILABLE

    For Roofng, Siding,

    Windows, Doors, Spouting,Awnings,Patio Enclosures & More.

    116 N. Walnut, Van Wert

    419-238-4100

    Trevor Bebout - Gary Houg - Tom Bebout

  • 7/31/2019 2012 August/September Good Times

    4/12

    CROSSWORD ANSWERS FROM PAGE 4

  • 7/31/2019 2012 August/September Good Times

    5/12August/September 2012 GOOD TIMES 5

    WINTERIZA

    TION

    &STORAGE

    RUNNING OUT

    OF SPACE?WE HAVE THE PLACE!

    KOZY MARINA8500 St. Rte. 703, Celina, OH

    419-394-8797

    Otherservicesoffered:INSIDESTORAGESHRINK&STORE

    OUTBOARDS&I/OOILCHANGESHULLCLEANING

    GOLFCARTCUSTOMIZATION

    FACTORY CERTIFIED

    TECHNICIANS! From page 3

    The Twilight

    ZoneArthur

    Bill Cosby

    Artemus Gordon

    Beetle Bailey

    TRIVIA ANSWERS

    Authorized Club Car Dealer Sales and Service

    Parts for Ez-go Yamaha Harley Davidson

    I-75 to exit 118 - One Mile West on Main Street

    20913 Hauss Rd. Cridersville, Oh.

    PH: (419) 645-4288 or 419-645-4688 M-F 8-6; Sat. [email protected] or stechparts.com

    GOCruising in style &ready to

    CROSSWORD ANSWERS FROM PAGE 4

    Duff Rd. (11520 TR 87) & St. Rt. 235

    Lakeview, OH

    www.fishersfleamarket.com

    937-441-5521

    FREE ADMISSION FREE PARKING CONCESSION STAND

    BECOME A VENDOR - WE HAVE MERCHANDISING INFORMATION AVAILABLE!

    FishersFlea Market

    2012 Season - Now thru Sept. 30thSaturdays 9 am to 5 pm, Sundays 10 am to 4 pm

    Indian LakeHappenings

    Aug. 18 & 19

    Art on the HarborMany ne arts booths can be found at

    Old Field Beach for Art on the Harbor.

    For more information call Perry Hodies

    at 937-935-6448.

    Aug. 25 & 26Turkeyfoot HospiceBass Tournament

    Register on Aug. 25 at MoundwoodState Park, Indian Lake.Cash and prizes awarded.

    Sept. 2Ring of Fire

    Flares around the lake create a glow tomake it appear as if it were on re. Flareson on sale at different businesses around

    the lake three weeks prior.

    Sept. 28-30Fall Festival

    The Fall Festival is sponsored by theIndian Lake State Park and the ILDC.Lots of craft items and entertainment.

    Oct. 19 & 20Halloween Campout

    The Indian Lake State Park will hostHalloween Camping.

    Come enjoy the fun and games.Trick or Treat around the campground.

  • 7/31/2019 2012 August/September Good Times

    6/126 GOOD TIMES August/September 2012

    BY STACY [email protected]

    BLUFFTON Famous sculp-tor Anish Kapoor once said, Art-ists dont make objects. Artistsmake mythologies.

    For Beverly Amstutz of Bluff-ton, this adage proves to be true.The 21 portraits decking the wallsof her living room reveal not onlyher love for art, but also her admi-ration for the unique personalitiesof the people in her life.

    When I started doing theseportraits, I thought it would beboring to draw them in the outtsthey were wearing in the pictures Iused, she said. So I thought Idazz them up a little, take their fac-s and draw them on bodies wear-

    ing costumes I felt t their per-sonalities. Have you ever knownsomeone you thought was born inthe wrong time? Thats what I re-ally enjoy, the fantasy aspect. Itsalways fun to see how they reactand have them ask Why did youput me in that?

    Amstutz began rst with thefemale members of her family andafter two or three more portraitsshe plans to move on to the men.

    I started doing these prob-ably nine years ago, starting withmy daughter-in-law Amy andmy daughter Heather, she said.Heather is a humanitarian in Af-rica now. I call her my Africanqueen. Shes traveled all over theworld, so I put her in a Japaneseoutt. With Amy, I put her in aFrench Moulin Rouge type of out-t because she has this beautifullong black hair and I just thoughtit t. I painted my daughter Heidi

    blowing bubbles with her daugh-ter Ashley. I tried to make it looklike one of those old Renaissancepaintings.

    The costumes Amstutz putsher subjects in make perfectsense to her but sometimes thesubjects themselves may need anexplanation.

    I put my sister Janette in a Vic-torian outt because she lives in aVictorian house, Amstutz said.Then I put her daughter Beckyin a Shakespearean soldier uni-form because shes a very aggres-sive person, very sports-minded.My other sister, Patty, is kind of a

    ower child, very dened by thatera, so I put her in a 70s type ofoutt and added some glitter.

    My mother Evelyn liked toparty and have a good time, shecontinued. She used to say she

    married my dad to get off of thefarm. I tried to put her in a 1920ssetting, like a Fitzgerald novel orsomething.

    Amstutzs imaginative ap-proach to portraits makes it eas-ier for her to capture relatives ofwhom very few images are left.

    My great-grandmother, AnnaSteiner Benroth, was a Mennonitewho married a Lutheran, she said.There werent any pictures of her,

    just this really tiny old thing. I puther in color, but she wouldve

    dressed in really dark and dourcolors. I painted my aunt Doro-thy with her, because I gured agrandmother and granddaughterwouldve been close.

    When Amstutz sits down to do

    a portrait, she has a very uid pro-cess that allows her to lend somesingularity to each piece.

    I do these from pictures, so Istart by taking a look at the faceand then go through magazineto nd a head position I like, shesaid. Next Ill think up a costumefor them. I dont always use paint,sometimes Ill use chalk, coloredpencil or acrylic. Theres no setpattern, I just do it.

    Amstutz studied art at BlufftonCollege and she, along with hertwo sisters, taught art for a num-ber of years. Having led such anartistic life, Amstutz believes itimportant to keep art alive.

    With all the technology wehave today it seems like art andmusic are fading away and thatscares me, she said. Creativityis a very high form of intelligenceand they need to nd more ways tokeep it in the schools. To be an art-ist, you have to have that interest.Thankfully my grandchildren areinterested, they all want to drawlike grandma.

    Amstutz has done artistic workranging from childrens book il-lustrations to custom pieces for the

    Portrait artist inventsfantasy lives for relatives

    Pictured above: Amstutzpainted her sisters grand-daughter with polar bears.

    Left: Amstutzs daughterin-law, Amy.

    Amstutz sits in her lving room in front of her grandmother, Fern(left) and her granddaughter, Ava .

    Right: Amstutz modeledthe portrait of her daughterHeidi and granddaughter,Ashley after Renaissancepaintings.

    See PORTRAITS page 8

  • 7/31/2019 2012 August/September Good Times

    7/12August/September 2012 GOOD TIMES 7

    Historic Old Fort Wayne

    1201 Spy Run Ave

    Fort Wayne

    In nearby Fort Wayne, In-iana stands a memorial to ourich midwest history. This Augustnd September The Old Fort is

    hosting special events open to theublic to bring history alive.

    Under the direction of Ameri-an Revolutionary War statesmaneneral Mad Anthony Wayne,

    the United States Army built FortWayne last in a series of forts near

    the Miami Indian village of Keki-onga in 1794.

    Named in Waynes honor, FortWayne established itself at theonuence of the St. Joseph River,

    St. Marys River and Maumee Riv-r as a trading post for European

    settlers.A little known fact is there were

    actually three American forts builtin Fort Wayne. The rst Frenchport, named Fort Miamis, was built

    in 1697 and was part of a group offorts built between Quebec and St.Louis. Following the French andIndian War, the fort was annexedby the British in 1760 and renamedFort Miami. The British dominionwas however short lived. The fortwas taken over by the Indians fol-lowing Pontiacs Rebellion. Indianrule lasted for about 30 years, fol-lowing which the United Statesarmy attacked the region and es-tablished their hold. Fort Waynewas built following this victory.

    The current fort is a replica ofthe one constructed by Major JohnWhistler and his men during 1815 1816. (The fort was abandoned

    in 1819). It was designed purelyfor defense against Native Ameri-cans, and could be comfortably de-fended by a relatively small num-ber of men. Although no traces ofthe original fort remain, a recon-struction, Historic Fort Wayne, isopen to the public.

    THE SIEGEIn June of 1812, President

    Madison asked Congress to de-clare war upon Great Britain forintolerable crimes against a youngUnited States of America. By latesummer the British, along withtheir Native allies under the com-mand of their war Chief Tecumsehand his brother, the Prophet, at-tacked! Throughout the Territory,soldier and settler alike feared fortheir lives

    Ft. Dearborn, located in pres-ent day downtown Chicago, wasput under siege by the Natives and

    soon surrendered, but not beforethe retreating troops destroyed itsstores of gun powder and whiskey.Enraged at this discovery the Na-

    tives pursued and ambushed Ft.Dearborns inhabitants as theymarched toward Ft. Wayne, kill-ing many and taking the remainderas prisoners. This left small, un-dermanned Ft. Wayne as the soleAmerican outpost on the frontier.

    On September 4, 1812, the Na-tives led by Chief Winamac camebefore Fort Wayne. Hundreds ofIndians gathered at the Three Riv-

    ers in early August and began asiege of the fort.

    Firing of both sides continuedday and night. the Indians burnedall the houses and crops outside thefort but could not breach the walls.After a siege of several weeks,Gen. William Henry Harrison ar-rived on September 12 to relievethe defending garrison and nallypush back the attacking forces.

    Today, the facility functions asa living history museum offeringa colorful rst-person interpreta-tion of life in the untamed west

    in 1816. The six acre site is com-prised of 11 foot high palisades, 2block houses, and four buildings.A blacksmith shop, bakers oven,small cottage and a multi-use fa-cility with modern restrooms arelocated outside the fort walls.

    The Fort stands to educate the

    community about Historic FortWayne and its signicance to theNorthwest Territory, the State ofIndiana, and the United States dur-ing the 17th and 18th centuries.They foster an educational experi-ence through interactive program-ming, as well as by continuously

    maintaining and restoring thephysical structures of Historic FortWayne.

    Check out their website atwww.oldfortwayne.org for a full

    schedule of upcoming eventsand celebrations.

    On September 8-9,2012 the Fort willcommemorate the

    200th Anniversaryof the

    Siege of Ft. Waynewith

    various activitiesand re-enactments.

    Historic O Fort Wayne

    UPCOMNG SPECIAL EVENTSAUGUST 25 & 26TH:

    HIGHLIGHTING FORT MIAMIES 1754-1763Sat. 10 am to 7 pm with tours at 1, 2, 3 4, and 5pm.

    Sun. 1 pm to 4 pm with tours at Noon, 1, 2 & 3 pm

    SEPT. 8 &9

    HIGHLIGHTING SIEGE OF FORT WAYNESat. 10 am to 7 pm with tours at 1, 2, 3 4, and 5pm.Sun. 1 pm to 4 pm with tours at Noon, 1, 2 & 3 pm

    PORTRAITS

  • 7/31/2019 2012 August/September Good Times

    8/128 GOOD TIMES August/September 2012

    Hours: June-Aug.: M-F 11a-7p.Sat. 11a-2p; Sept.-May: M-F 11-5, Sat. 11-2

    The

    7 West Monroe st., neW BreMen, ohio(Cornerof 66 and 274)

    BicycleMuseuMof AMericA

    We havemore than

    350 bikes ondisplay.For information and for group arrangements

    call 419-629-9249or visit our web site at bicyclemuseum.com

    FRIEND US ON FACEBOOK!

    Swiss Historical Society, Bluff-tons Blaze of Lights and theBluffton Center for EntrepreneursArt Auction. For her own enjoy-ment however, Amstutz prefersportraits.

    I just nd portraits intriguingI guess. I nd people intriguing,how we can all be so different,even three sisters who came fromthe same parents. Its funny actu-

    ally because when you sit down todo portraits, especially of familymembers, you begin to see fea-tures take shape that you recognizein other people. Its really neat.she said. These portraits are formy own enjoyment, so I dont re-ally listen to what other people sayabout them. If you listen to whatother people say about your work,your work will look like everyone

    elses.Aside from providing her

    with a way to express her inter-est in people, Amstutzs por-traits give her something to doas an artist.

    I dont know why I havethat drive, she said. Maybeits the fear of dying and leav-ing nothing behind. When you

    get older you have to have agoal, something to do with yourtime. You cant just sit around,watch TV and worry aboutgrandchildren. This works forme because its also a creativeoutlet and I told myself a longtime ago that if I didnt keep upwith it Id regret it. Also, its justgood to be an artist. Its a good

    excuse in case you act nutty.

    PORTRAITS(Continued from page 6)

    Amstutzs niece Jocelyn was putinto a spanish equestrian outt.

    Patty Macie, Amstutzs sister, was portrayedin hippie-era clothing.

    Amstutzs daughter, Heather is a world travelerand humanitarian..

    Amstutzs sister-in law Mary-Lou was describedas hard-working.

    In the S me Bo t

  • 7/31/2019 2012 August/September Good Times

    9/12August/September 2012GOOD TIMES 9

    As a country dweller,I am intimately famil-iar with the multitudeof critters that take upresidence on my prop-rty. Im accustomed to

    (though not on especial-ly-friendly terms with)eld mice, chipmunks,rabbits, deer, raccoonsand even the occasionalpossum. Thanks to mytom-boyish upbring-ing, I tolerate spiders(if you dont count thebig hairy kind) andhave been known toall a mouse cute (as

    long as it isnt darting

    out from under my feet.Then I use other words to describeit.) All in all, I am comfortable, ifnot resigned to, sharing my spaceon the planet with all Gods crea-tures, big and small.

    Except for one: Bats.In my opinion, a mouse with

    wings no longer falls under thecute category but instead reigns

    supreme in thecreepy, Wizard-of-Oz-ying-monkeycategory. Theirfaces are distort-ed, their ears are

    freakishly largeand their skin is aclammy gray. Theycome out to partyat night, like vam-pires. And theirsole mission in lifeis to y into a hu-mans head of hair,where they get ir-reversibly tangledso the victim isdoomed to harbor

    a blood-suckingwinged rodent on her head for therest of her natural life. At least,thats what my big brothers alwaystold me when we were young andcompelled to throw corn cobs atthe bats circling the steeple of theabandoned church nearby.

    Dont get too close, MaryBeth, theyd whisper. The bats

    will dive right into your hair andnever leave. Youll have to getyour school picture taken withbat wings opping around in yourbangs.

    I was relating this disturb-

    ing theory to my husband as wewatched bats swoop like drunkenpilots over our pond one evening.Unbeknownst to me, while I wassharing this traumatic childhoodmemory, my loving hubby wasslipping off his sock. Just whenI got to the most dramatic part,where the evil bats were readyto make a beeline for my tresses,he ipped the sock over his headand it landed, you guessed it, rightin my hair. The ensuing ruckus

    has gone down in history as oneof my best impersonations of theTasmanian Devil, complete withspastic twirling, high-speed tapdancing, and unrecognizable gib-berish spewing from my mouth.The physical reaction to the pos-sibility of a bat roosting in my hairwas an unforgettable sight, and myhusband often reminds everyone

    of that fact at parties.

    Now rumor has it that a bat isliving in our garage attic. I spottedthe evidence one day, and it wasconrmed by my son, who has ap-parently inherited my aversion tothe creatures. He stuck his headin the attic opening and was re-warded with a agrant apping inhis right ear. A familiar-soundingscream followed.

    It appears my husband will have

    to be the brave one to ght the bat

    around my house. And when hegoes up the ladder to the attic, Illbe sure to have a sock ready.

    Mary Beth Weisenburger writesfrom an area of northwest Ohio thathas entirely too many bats. Contact her

    for a fun presentation at [email protected] or check out her blogat www.inthesameboatwithmarybeth.com.

    By Mary Beth

    Weisenburger

    Bats in my belfrey

    ...care for theWhole Family.

    ...for ANY terminal diagnosis.

    ...Just a phone call away.

    Hospice is...

    www.ComHealthPro.org

    Celina

    419-586-1999

    Delphos

    419-695-1999

    Lima

    419-991-1822

    Van Wert

    419-238-9223

    Wapak

    419-738-7430

    Ask forCHP Hospice

    More Support Tan You Can Imagine.

    KOSTAS

    Topp ChaletRestaurant and Lounge

    FAMILY FRIENDLYATMOSPHERE

    WITH AEUROPEAN TWIST

    PIZZA

    GREEK

    SALADS

    GYROS

    STEAKS

    SEAFOOD

    Open T-W-Th-Sat. at 4 p.m.Fri. & Sat. at 11a.m.

    229 W. Fifth St.Delphos, Ohio

    CALLFORWEEKENDSPECIALS!

    419-692-8888 or 419-692-8751

    PIZZA SPECIALS

    18CHEESEPIZZA...only$12Additional items $1.50 Each

    15CHEESEPIZZA...only$10Additional items $1.00 Each

    BREADSTICKS...$1.00 off

    Our Specialty...

    HAND-CUT STEAKSPRIME RIB...$15.95

    GREEK GYROS GREEK SALADS GREEK PIZZA

    Exhaust Tires Brakes Alignments

    Lloyds Auto ServiceQuality Experience Satisfaction Guaranteed

    707 E. Main Street Van Wert, Ohio 45891 419-238-3583email: [email protected]

    Adjusting your plans on

  • 7/31/2019 2012 August/September Good Times

    10/1210 GOOD TIMES August/September 2012

    Adjusting your plans onthe road to retirement

    Retirement is a milestone eventthat, in a perfect world, can beplanned in advance and executed onue. But as the saying goes, life is

    what happens to you while youre

    busy making other plans. The truthis, when youre ve or 10 years outfrom your planned retirement date,unexpected events or a change inyour personal goals can quicklysteer you off course.

    Consider how the following life-altering scenarios might play outwith regard to your nances. With alittle readjusting, it may be possibleto manage these circumstances withminimal disruption to your bottomline.

    Your spouse was recently laidoff, potentially forcingearly retirement.

    Working Americans who areligible for Social Security incomean choose to retire as early as age

    62, but leaving the workforce before

    youre ready can take a toll on youranticipated retirement income. Re-tiring before your full retirementage, which varies by birth yearand is now 67 years old for workersborn in 1960 or later, also means a

    reduced benet amount as muchas 30 percent.

    If possible, your spouse maywant to pursue another job or free-lance work to maintain some in-

    come. If continued employmentisnt an option, adjust your long-term plans accordingly, and livewithin your means as much as pos-sible before tapping into retirementsavings.

    Financial uncertainties are com-pelling you to push out your retire-ment date.

    In most professions, theres norequirement to retire at a specicage. It may be both practical and de-sirable to stay in the workforce lon-

    ger, not only to continue to earn apaycheck but also if you enjoy yourwork. Keep in mind that staying inthe workforce may make sense forsome people, but not everyone. Ifyou have a stressful career or arespending a signicant amount of

    cash on transportationand professional ward-robe, determine howmuch continuing towork might really saveyou. Some may not be

    able to work as long astheyd like or expectedto after 65 due to a dis-ability or illness. Bot-tom line: work longer ifyou are able and desireto, but avoid dependingon an extended time inthe workforce for retire-ment income.

    Unlike early retire-ment, retiring later thanusual will affect yourSocial Security earningsin a good way. If youchoose to retire afterthe normal retirementage, you can earn a de-layed retirement creditthat ranges from 3 to 8percents. Use the SocialSecurity Administra-tions online calculatorto determine your ben-et amount.

    Keep in mind thateven if you continue

    working, you cant keepall your money in a tax-advantaged retirementaccount forever. Gen-erally speaking, youllneed to start withdraw-ing required minimumdistributions startingthe year you reach 70

    years of age. The exception to this

    is if you have money in a Roth IRAthats funded with after-tax dollarsand thus isnt subject to the samewithdrawal requirements as pre-taxretirement accounts.

    Your ideal retirement vacationproperty is for sale a littlesooner than you had planned.Timing can be tricky when it

    comes to real estate transactions. Ifyou believe this is the right prop-erty for you, then calculate the costand tally the sacrices youll needto make to swing the purchase. Canyou use the property before retire-ment? Will the purchase leave youenough discretionary income tofurnish the home and pay travel ex-penses to visit as regularly as youdlike?

    One strategy that may help less-en the nancial burden is to rentyour second property to vacation-ers when youre not using it. But ifyou decide now is not the time torisk taking on the added expense, doyourself the favor of putting it out

    of your mind. There are undoubt-edly other gems that will surface inthe future.Youve decided to relocate across

    the country to be closerto your children.

    Youre entitled to change yourmind about where you live, but real-ize that moving can be taxing lit-erally. There will be nancial conse-quences with relocation, especiallygiven the fragile state of housingmarkets across the United States.

    Before you take the re-locationleap, ask yourself these and otherquestions about the potential of en-countering signicant cost-of-livingdifferences in your new home: Willyou be leaving a state that has higheror lower state income taxes? Whatabout property taxes? Will you beable to sell your home and purchase

    something comparable (or downsize

    and save)?Dont forget that a physical moveinvolves a fair amount of hassle andcost for packing and transportingyour personal belongs. Take advan-tage of the opportunity to get rid ofwhat you no longer need to lightenyour load in retirement. On the plusside, your new close proximity tofamily members may help you savemoney on travel costs. And if itadds to your enjoyment of life, well,thats priceless.

    Consult a nancial professionalfor the journey.

    Job loss, new opportunities,relocationthese are just some ofthe life events that can affect yourreadiness for retirement. A certainamount of exibility, ingenuity andoptimism are always valuable traitsto help you adjust to new circum-stances. Pair these attributes witha knowledgeable resource and youmay be ready for just about any-thing. The more prepared you are -nancially for interruptions or chang-

    es in your income and savings, themore freedom you will have to con-tinue in the direction of your retire-ment goals.

    ###JoAn M. Smith, CFP, is a Financial

    Advisor and CERTIFIED FINANCIALPLANNER practitioner with AmeripriseFinancial Services, Inc. in Delphos, Ohio. Shespecializes in fee-based nancial planning andasset management strategies and has been inpractice for 26 years.To contact her, you maycall (419) 695-7010 or visit 227 N. MainStreet in Delphos, Ohio 45833.

    1 http://www.ssa.gov/retire2/retirechart.htm#chart

    2 When To Start Receiving RetirementBenets, SSA Publication No. 05-10147,ICN 480136, July 2008 http://www.ssa.gov/pubs/10147.html#a0=1

    Brokerage, investment and nancial ad-visory services are made available throughAmeriprise Financial Services, Inc. MemberFINRA and SIPC. Some products and servicesmay not be available in all jurisdictions or toall clients.

    By JoAn Smith, CFP

    Brokerage, investment and fnancial advisory services are made available throughAmeriprise 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.

    2012 Ameriprise Financial, Inc. All rights reserved.

    Jobs may change.Retirement dreams dont have to.If youve left a job and have a 401(k) or other retirement accounts,

    dont 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

    joan.m.smith@ amp.com

    www.ameripriseadvisors.com/joan.m.smith

    Call me today at(419) 695.7010

    Homegating Playbook

  • 7/31/2019 2012 August/September Good Times

    11/12August/September 2012 GOOD TIMES 11

    DELPHOS

    TRADING

    POST

    528 N.Washington St.Delphos

    419-692-0044On the corner of 5th St. and Washington St.

    just look for the sign!

    Wed.-Thurs. 8:30-7,Fri. 8:30-5, Sat. 9-4

    Closed Sunday,Monday & Tuesday

    MAN CAVE ITEMSWOMENS JEWELRY

    NAME BRAND TOOLS

    DVDs

    GAMES

    CONSOLESMuch More

    PRICES HARD TO BEAT!

    DISCOUNT PRICES DAILY!More value for your buying $$.

    Celebrating our second yearANNIVERSARY!

    Wereananything

    youneedst

    ore!

    WEBUYGOLD&SILVER

    (Family Features) Game day is no timeto be sidelined in the kitchen. Do a littlepre-game planning so you can spend less

    time cooking and more time cheering on thehome team.

    Keep it simple Instead of taking upspace with a lot of dishes to hold condiments,use mufn pans. Each well in the pans canhold a different topping for your burgers,hot dogs or chili. Put a spoon in each forasy dipping. Its simple, fun, and youll

    have fewer post-game dishes to wash.Set up a dipping station Have a selec-

    tion of salsas and guac available so every-one can have their favorite. In addition to

    hips, set out some of these tasty dippers: Bell pepper slices Baked mozzarella sticks Shrimp Pita chips Bagel chips Jicama sticks Mini rice cakes

    Make sure you have enough ont disappoint guests by running

    out of munchies or drinks. Heres

    how to gure out how much youneed to prepare:

    If youre having 8 to 10guests, gure on three different ap-petizers. For up to 16 guests, planfour or ve appetizers.

    For non-alcoholic drinks,plan on two 16-ounce cups per person. Planon about two glasses of wine or three beersper person.

    To have enough ice for drinks, as wellas to keep drinks cold in a cooler, get about

    a pound and a half of ice per person.

    Homegating SnackersYield: 10 to 12

    1 tube pre-made pizza crust (thin)1 7-ounce package Guacamole dip

    1 red bell pepper cut into small stripsRoll out uncooked pizza dough on coun-

    ter.Use football or other shaped cookie cut-

    ter to cut pizza dough and place on cookiesheet sprayed lightly with oil.

    Cook dough according to packaging in-structions. Allow to thoroughly cool.

    When cool, spread with guacamole anduse cheese shreds and pepper to create foot-ball laces and markings.

    Optional: Plate on a bed of shredded let-tuce, and use sour cream to create eld yardlines.

    Avocado Cream Cheese DipServes: 6

    1 8-ounce package cream cheese1 7-ounce package Guacamole3/4 teaspoon salt, divided1 lime, juiced

    1 tablespoon cilantro, minced1/2 teaspoon chili powder

    2 cups sour cream3 tablespoons chipotle peppers in

    adobo sauce, pureed1 cup 3-cheese blend shredded cheese1/2 cup green onion, sliced3/4 cup Roma tomatoes, cored, seeded

    and diced

    Allow cream cheese to soften andwarm to room temperature, about 30minutes.

    Whip cream cheese at mediumspeed for 3 minutes to uff. Add gua-camole and beat for another minute.

    Season mix with 1/4 teaspoon salt,half of lime juice and cilantro.

    Transfer mixture to a 9 x 9-inch

    pan, and dust with chili powder.Mix together sour cream, chipotle,

    1/2 teaspoon salt and the rest of thelime juice.

    Add to pan as the second layer.Top with cheese; garnish with green on-

    ion and tomatoes.

    Homegating PlaybookTips to make a

    game day party

    fun for everyone!

  • 7/31/2019 2012 August/September Good Times

    12/1212 GOOD TIMES August/September 2012

    CELINA

    5217 Tama RoadSR 127, 5 miles North of Celina1 Mile West on Tama Road

    419-363-2230

    LIMA

    4147 Elida Road419-224-4656

    www.kernsfreplaceandspa.com

    Visit Our

    Showrooms!

    Over 200 Units on Display.

    CLEARANCE! Up to 75% OFF

    Scratch & Dent, Floor Models& One of a Kind

    Available in Gas Wood

    Electric Pellet Corn