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NOVEMBER 2014 FREE NEWS FOR BOOMERS AND BEYOND Greg Wiersema enjoys the thrill, challenge of big game hunting INSIDE: Hearing Devices • Estate Planning • Tutoring Opportunities • Danube Cruise • and more!

Experience - November 2014

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Page 1: Experience - November 2014

NOVEMBER 2014 FREE NEWS FOR BOOMERS AND BEYOND NOVEMBER 2014 FREE NEWS FOR BOOMERS AND BEYOND

Greg Wiersemaenjoys the thrill, challenge of big game hunting

INSIDE: Hearing Devices • Estate Planning • Tutoring Opportunities • Danube Cruise • and more!

Page 2: Experience - November 2014

2 | EXPERIENCE ACTION PUBLICATIONS | NOVEMBER 2014

Forever young: 5 ways treating hearing loss can revitalize your life

Listen up, boomers: Do you want to stay active? Vibrant? Socially

engaged? Professionally successful? Most of us do.

If you’re like many baby boomers, you’ve rocked your way through your fair share of concerts, night clubs, and enjoyed years of other noisy recre-ational activities — you’ve been enjoying life. So now, it’s not always so easy to hear the conversation around the table at the restaurant or in the confer-ence room at work.

want to stay active? Vibrant? Socially

engaged? Professionally successful? Most of us do.

If you’re like many baby boomers, you’ve rocked your way through your fair share of concerts, night clubs, and enjoyed years of other noisy recre-

Face it. All that enthusiastic living has been hard on your ears. And now they’re screaming for your attention. You should give it to them.

In fact, addressing hearing loss is one of the best things you can do to improve your quality of life and keep up a youthful pace.

Fortunately, for most people with hearing loss,

today’s state-of-the art hearing aids can help.

In fact, eight out of 10 hearing aid users say they're satisfi ed with the changes that have occurred in their lives due to their hearing aids.

Many boomers are surprised to learn

that dramatic new tech-nological advances have

revolutionized hearing aids

in recent years. Many hearing aids are virtu-ally invisible, sitting discreetly and comfortably inside the ear canal. And they adjust to all kinds of noise environments, picking up sound from all directions. Some are even waterproof.

Perhaps best of all, seamless connectivity is now the norm. Today’s hearing aids are wireless and stream sound from your smartphone, home entertainment system, and other electronics directly into your hearing aid(s) at volumes just right for you.

Here’s what getting a hearing test and using professionally fi tted hearing aids, if recom-mended by a hearing care professional, may do for you:● Unlock your earning potential. Hearing

your best at work helps you do your best. One study found that using hearing aids reduced the risk of income loss by 90 to 100 percent for those with milder hearing loss, and from 65 to 77 percent for those with severe to moderate hearing loss. And people with hearing loss who use hearing aids are more likely to be employed than their peers who don't.

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Page 3: Experience - November 2014

EXPERIENCE | 3NOVEMBER 2014 | ACTION PUBLICATIONSSee Word Search answers on page 9

● Open the door to greater intimacy. Don’t let those sweet nothings go unheard. Feeling emotionally close to your partner is one of the most satisfying aspects of any intimate relationship. But it rests on good communication. When hearing loss goes unad-dressed, it can make even the most loving partner seem remote or unresponsive. Luckily, research shows that using hearing aids can help improve interpersonal relationships — including greater intimacy.● Pull the plug on stress and

boost your mood. People with untreated hearing loss often feel angry, frustrated, anxious, isolated, and depressed. But research shows that when they use hearing aids, their mental health often rallies. Many regain emotional stability, become more socially engaged, feel a greater sense of safety and independence, and see a general improvement in their overall qual-ity of life.● Bolster your self-confidence.

An important perk of using hear-ing aids can be enhanced emotional well-being. Research shows that when people with hearing loss use hearing aids, many feel more in control of their lives and less self-critical. One Better Hearing Institute (BHI) study found that the majority of people with mild and severe hearing loss felt better about themselves and life overall as a result of using hearing aids.● Improve cognitive functioning.

Studies out of Johns Hopkins linked hearing loss with accelerated cognitive decline in older adults and found that seniors with hearing loss are significantly more likely to develop dementia over time. BHI studies found that many people with hearing loss report improve-ments in their cognitive skills with the use of hearing aids.

Take a free, quick and confidential online hearing check to determine if you need a comprehensive hearing test by a hearing care professional visit BetterHearing.org.

920-921-6288N6687 Wrightway Drive Fond du Lac, WI 54937Securities and advisory services offered through NATIONALPLANNING CORPORATION (NPC), Member FINRA/SIPC., a

Registered Investment Advisor. Feucht Financial Group, L.L.C.and NPC are separate and unrelated companies

WI-5001843833 www.feuchtfinancial.com

◆ Tax, Financial & Retirement IncomePlanning

◆ Tax Preparation◆ Bonds, ETF’s, Mutual Funds

& Stocks◆ Separately Managed &

Institutional Accts◆ Life, Long-term Care Insurance

& Annuities◆ Estate & Trust Planning, Inheritances◆ 401k Rollovers, IRA’s, Roth IRA’s

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Page 4: Experience - November 2014

4 | EXPERIENCE ACTION PUBLICATIONS | NOVEMBER 2014

November Calendar1 • Holiday Wonder art & Craft expo – 9 a.m. to 3 p.m. at the FDL County Fairgrounds Recreation Building, 541 Martin Ave. A show featuring handmade gifts and home decorating ideas.2 • flavors of WisConsin Gift fair – 11 a.m. to 2 p.m. at Fond du Lac Public Library, 32 Sheboygan St. Wide variety of local producers of food products selling their wares and offering tasty samples. Silent auction, live music, gift basket-making station (for small fee) and hot lunch for sale. Proceeds for the library’s endowment fund. 3, 10, 17, 24 • danCe lessons – 7 to 9 p.m. Thursdays at the Eagles Club, 515 N. Park Ave., Mondays at the Fond du Lac Senior Center, 151 E. First St. Beginner lessons at 7 p.m.,

intermediate at 8 p.m. Charge for lessons, styles change monthly, no partner required. 7-8 • Jazz fest – 7 p.m. at Thelma Sadoff Center for the Arts, 51 Sheboygan St. The longest running Jazz Festival in Wisconsin. 8 • pure ameriCana ConCert – 7:30 p.m. (door sat 6:30 p.m.) at Waupun City Hall Auditorium, 201 E. Main St., Waupun. Roots, folk, country, rhythm n’ blues, rock n’ roll music styling. Cost for tickets at the door or Waupun City Hall.8 • Holiday one stop sHop – 11 a.m. to 2 p.m. at Forest Mall, 835 W. Johnson St. More than 20 vendors to shop from while supporting the Fond du Lac Children’s Chorale. Live music by the chorale, door prizes.

13 • Gottfried arboretum’s - Create a Winter WreatH – Session one from 1 to 3:30 p.m., session two from 6 to 8:30 p.m., Henry S. Reuss Ice Age Visitor Center, N2875 Highway 67, Campbellsport. Create a beautiful wreath and swag using natural materials from the prairie. Bring a pruning shears. Call (920) 313-0190 to register. Fee charged.14-15 • “voiCes” – 7:30 p.m. both nights, 5 p.m. Saturday for dinner/theatre package, at UW-Fond du Lac, 400 University Dr. Musical collaboration of the Women’s Fund and Pankratz Arts Exchange. The male and female cast weaves stories of women and girls from the perspective of age and relationship, strength, courage and hope. Admission charged.15 • Holiday Gift and Craft sHoW – 9 a.m. to 4 p.m. at Salvation Army, 79 W. Pioneer Rd. Bring a new, unwrapped toy or donate to the red kettle for Toys for Tots for a door prize drawing ticket. Breakfast served from 8 to 11 a.m., lunch 11 a.m. to 3 p.m.

10 • prepare for tHe 2014 Gun deer season – 6:30 to 8 p.m. at Horicon Marsh Int’l Education Center, N7725 Highway 28, Horicon. Warden Paul Nell will discuss changes for the upcoming deer hunt, how to prepare your firearm and how to avoid an accident. Free.  11 • books betWeen bites – 12:10 to 12:50 p.m. at Salem United Methodist Church – Methodist, 120 Sheboygan St. Steve Rose will review the book “Coincidence or Godincidence: Stories of Miracles, Mysteries and Hope” which he and his wife Kathy wrote. Steve is a motivational speaker, known for his book “Leap of Faith: God Must Be a Packer Fan.” Bring a sack lunch, beverages will be available. The church is handicap accessible.

11 • pressinG matters: from neWspaper to art – 12:30 to 1:30 p.m. in the large group instruction room, UC-113/114 at UW-Fond du Lac, 400 University Dr. How does one go from being a finance clerk at the local newspaper to becoming a full-time artist, speaker and instructor? Presented by local artist Mel Kolstad. She’ll also have her backpack printing press with her so you can make your own print.  13 • HonorinG our veterans – 5 to 10 p.m. at Thelma Sadoff Center for the Arts, 51 Sheboygan St. Join Salute the Troops, Inc. for the inaugural dinner at the Thelma Sadoff Center for the Arts. All funds raised will go to support veterans in the Fond du Lac community. Admission charged.

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

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Page 5: Experience - November 2014

EXPERIENCE | 5NOVEMBER 2014 | ACTION PUBLICATIONS

13 • GOTTFRIED ARBORETUM’S - CREATE A WINTER WREATH – Session one from 1 to 3:30 p.m., session two from 6 to 8:30 p.m., Henry S. Reuss Ice Age Visitor Center, N2875 Highway 67, Campbellsport. Create a beautiful wreath and swag using natural materials from the prairie. Bring a pruning shears. Call (920) 313-0190 to register. Fee charged.14-15 • “VOICES” – 7:30 p.m. both nights, 5 p.m. Saturday for dinner/theatre package, at UW-Fond du Lac, 400 University Dr. Musical collaboration of the Women’s Fund and Pankratz Arts Exchange. The male and female cast weaves stories of women and girls from the perspective of age and relationship, strength, courage and hope. Admission charged.15 • HOLIDAY GIFT AND CRAFT SHOW – 9 a.m. to 4 p.m. at Salvation Army, 79 W. Pioneer Rd. Bring a new, unwrapped toy or donate to the red kettle for Toys for Tots for a door prize drawing ticket. Breakfast served from 8 to 11 a.m., lunch 11 a.m. to 3 p.m.

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

Back Porch Gatherings, Saving Grace Salvage, Chicken Scratch Antiques, Rusty Roof Barn, It Is What It is and Vines & Rushes. Each business will be doing something extra special for their visitors. 22 • SIGMA HOLIDAY HOUSE – 9 a.m. to 3 p.m. at FDL County Fairgrounds Expo Center, 601 Martin Ave. Over 70 juried artisans offering a variety of collectibles, gifts, original crafts, clothing and art. Raffl e, silent auction, entertainment to be offered. Coffee and cookies available for purchase. 22 • HOLIDAY GIFT AND CRAFT SHOW – 10 a.m. to 4 p.m. at Fond du Lac Skyport, 260 S. Rolling Meadows Dr.

Photos with Santa and Mrs. Claus.16 • SYMPHONIC BAND 39TH CATHEDRAL CONCERT – 3 p.m. at St. Paul’s Cathedral Church, 51 West Division St. Sacred and classical music will be performed.21 • TOUR THE TOWN ART WALK - Fond du Lac – 5 to 8 p.m. Local artists and artisans display and sell their work at various locations downtown. For a map of participating venues, visit tourthetownfdl.com21-22 • ANTIQUE/WINE ROADSHOW “FROST UPON THE BOUGHS” – 10 a.m. to 5 p.m. at Vines and Rushes Winery, 410 County Trunk E, Ripon. Participating businesses include:

Packers PartySunday, Nov. 16 , Knights of Columbus Hall795 Fond du Lac Ave., Fond du Lac. Former Packers player George Koonce will be on hand from 11 a.m. to 12:30 p.m. for questions and autographs. Packers play against the Philadelphia Eagles at noon. Children’s activities. Ticket price includes food, games and door prizes. Sponsored by the KC Ladies Auxiliary. A ra� e will also be held for $100 cash plus lots of other Packers memorabilia. Proceeds go to charity.

Receive a door prize ticket for every purchase you make. Bring in a new unwrapped toy for Toys for Tots and receive a ticket for door prize drawings.26 • GOBBLEFEST – 6 p.m. at Shack Sports Bar, W4786 Highway 23. Local bands will play at Gobblefest, an annual concert held the night before Thanksgiving. The event will support the Relay for Life. Three live bands to perform.27 • FESTIVAL FOODS TURKEY TROT – 8 a.m. at Fond du Lac High School, 800 Campus Dr. A 5-mile chip timed run & 2 mile untimed run/walk. Open to everyone of all ages and abilities. This event is meant to be fun for the whole family, not just seasoned athletes. 28-4 • LAKESIDE PARK HOLIDAY LIGHTS – dusk to 11 p.m. at Lakeside Park, 555 N. Park Ave. Lakeside Park on picturesque Lake Winnebago shimmers with thousands of lights, animated scenes and heart-warming holiday music. See Rudolph perched high atop the lighthouse, with this red nose fl ashing.

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Page 6: Experience - November 2014

Many Fond du Lac residents might remember the friendly, knowledgeable and extremely helpful guy who “hung

out” in a small building on a little triangle on 4th and Everett Streets, here in Fond du Lac since 1996.

Greg Wiersema, 62, a well-respected practicing audiologist here in Fond du Lac since 1977, offi cially retired on March 31, 2014. Over the years, he has made many friends with his clients, fi tting them with proper hearing instruments, as well as cleaning and repairing them.

Wiersema is enjoying his well-deserved retirement very much. He continues to hold membership in the  Wisconsin Speech and Hearing Association and the American Speech, Language and Hearing Association.

In his  offi ce, he proudly displayed over his desk the mount of a Nilgai, which was harvested in southern Texas. Greg noted the animal’s weight is approximately 700 pounds, and is indigenous to India. It is part of the antelope family. He also

had two other prized mounts displayed in his offi ce during his working days.

Born in Detroit, as a youngster the family moved around a lot due to his father’s employment with General Electric. “We moved all over the place about every one and a half years.” His family lived in Michigan, Ohio, Vermont, New York and fi nally Wisconsin.

In 1974, Greg received a Bachelor of Science degree in Communication Disorder with emphasis in Audiology. Then in 1977, he received a Master of Science and Teaching degree also in Communication Disorder with emphasis in Audiology.  Both from UW-Oshkosh.

Fond du Lac has been home to Greg since 1977. It was the same year  he married Claudia. As an audiologist, his fi rst place of employment was at St. Agnes Hospital. He worked there for 12 years. The year after he started at St. Agnes,  he also started consulting to the Fond du Lac Clinic — a separate entity from the hospital at that time.

Story by Lois A. Pfl um I Photos submitted

EXPERIENCE | 7NOVEMBER 2014 | ACTION PUBLICATIONS

cover story

Greg Wiersema:Retirement allowstime to travel, hunt for big game

6 | EXPERIENCE

One more thing on my bucket list would be an elk hunt.”

— Greg Wiersema

Greg’s next move was working with Dr. Michael Ferris, an ear, nose and throat specialist for three and a half years. Then in 1992, Greg moved his practice to an offi ce located in Cobblestone Square at Southtown.

It was in 1996 that the little shop on 4th and Everett Streets became Greg’s home away from home — until he retired.

Greg’s lifelong love of hunting began at the tender age of seven, when he started to hunt with a BB gun. His thrill of hunting started out modestly with shooting birds, small game, geese and deer hunting before he earned the prestigious title of big game hunter.

Some of the exotic animals Greg has harvested are black wildebeest, blue wildebeest, eland, greater kudu, tuskless elephant, red hartebeest, warthog, baboon, Burchell’s zebra, Cape buffalo, gemsbok, impala and black bear.

Greg noted Rick Culver, not really his mentor but a good friend, helped guide him through the process of big game hunting and what that all encompasses.

Wiersema’s fi rst big hunt was a black bear taken in Alaska. He commented, “All the hunts were special but probably the most favorite was when his son, Lukas, who was 14 years old at the time, accompanied him to Nambia, Africa, and they harvested eight animals. He added, “It was a great bonding experience.”

When hunting in Africa, Greg has always been accompanied by a P.H. (professional hunter), similar to what a guide is called in the United States. He added, “They know the animals and the taxidermists.” Several different guns were used in his different hunts. He also noted in Africa, the hunter does not pay for the special license/permit until after the animal is shot.

Asked if he ever had any close calls during his hunting excursions, he related this story. “I was hunting a Cape buffalo and it was about 30 yards away. It took at least six rounds before it was put down.” Defi nitely an adrenaline rush he recalled, as he animated and excitedly described it to this writer.

On Sept. 6 of this year, Greg returned from his latest hunt, which was an unsuccessful moose hunt in Wasilla, Alaska. He has no defi nite plans to return there at this time, although he is planning a fi shing trip into Canada next year. He quipped, “One more thing on my bucket list would be an elk hunt.”

Greg is affi liated with the Northeastern Wisconsin Chapter Safari Club International and  enjoys newspapers and monthly magazines from them. Locally, he belongs to the Izaak Walton Conservation League.

Although golf, fi shing and shooting events are some of his favorite pastimes, nothing can compare with his numerous hunts in Africa, as well as those in Alaska and southern Texas. He commented, “Right now Africa is the best bang for your buck. The hardest part is the long fl ight, but it’s well worth the money.” He added, “The experience is worth it.”

Greg and Claudia are parents to Lukas and Bridget, but call themselves

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Greg’s next move was working with Dr. Michael Ferris, an ear, nose and throat specialist for three and a half years. Then in 1992, Greg moved his practice to an offi ce located in Cobblestone Square

It was in 1996 that the little shop on 4th and Everett Streets became Greg’s home away from

Greg’s lifelong love of hunting began at the tender age of seven, when he started to hunt with a BB gun. His thrill of hunting started out modestly with shooting birds, small game, geese and deer hunting before he earned the

Some of the exotic animals Greg has harvested are black wildebeest, blue wildebeest, eland, greater kudu,

Left: Greg Wiersema is shown with a male nilgai kill from one of his hunting trips. Below: Greg Wiersema with his son Lukas and a gemsbok (antelope species) kill. SUBMITTED PHOTOS

empty nesters at this stage in their lives. Although  Claudia has  never accompanied Greg on his big hunts, she fully supports him. “She has always encouraged me to do what I really wanted to do.”

Page 7: Experience - November 2014

Many Fond du Lac residents might remember the friendly, knowledgeable and extremely helpful guy who “hung

out” in a small building on a little triangle on 4th and Everett Streets, here in Fond du Lac since 1996.

Greg Wiersema, 62, a well-respected practicing audiologist here in Fond du Lac since 1977, offi cially retired on March 31, 2014. Over the years, he has made many friends with his clients, fi tting them with proper hearing instruments, as well as cleaning and repairing them.

Wiersema is enjoying his well-deserved retirement very much. He continues to hold membership in the  Wisconsin Speech and Hearing Association and the American Speech, Language and Hearing Association.

In his  offi ce, he proudly displayed over his desk the mount of a Nilgai, which was harvested in southern Texas. Greg noted the animal’s weight is approximately 700 pounds, and is indigenous to India. It is part of the antelope family. He also

had two other prized mounts displayed in his offi ce during his working days.

Born in Detroit, as a youngster the family moved around a lot due to his father’s employment with General Electric. “We moved all over the place about every one and a half years.” His family lived in Michigan, Ohio, Vermont, New York and fi nally Wisconsin.

In 1974, Greg received a Bachelor of Science degree in Communication Disorder with emphasis in Audiology. Then in 1977, he received a Master of Science and Teaching degree also in Communication Disorder with emphasis in Audiology.  Both from UW-Oshkosh.

Fond du Lac has been home to Greg since 1977. It was the same year  he married Claudia. As an audiologist, his fi rst place of employment was at St. Agnes Hospital. He worked there for 12 years. The year after he started at St. Agnes,  he also started consulting to the Fond du Lac Clinic — a separate entity from the hospital at that time.

Story by Lois A. Pfl um I Photos submitted

EXPERIENCE | 7NOVEMBER 2014 | ACTION PUBLICATIONS

cover story

Greg Wiersema:Retirement allowstime to travel, hunt for big game

6 | EXPERIENCE

One more thing on my bucket list would be an elk hunt.”

— Greg Wiersema

Greg’s next move was working with Dr. Michael Ferris, an ear, nose and throat specialist for three and a half years. Then in 1992, Greg moved his practice to an offi ce located in Cobblestone Square at Southtown.

It was in 1996 that the little shop on 4th and Everett Streets became Greg’s home away from home — until he retired.

Greg’s lifelong love of hunting began at the tender age of seven, when he started to hunt with a BB gun. His thrill of hunting started out modestly with shooting birds, small game, geese and deer hunting before he earned the prestigious title of big game hunter.

Some of the exotic animals Greg has harvested are black wildebeest, blue wildebeest, eland, greater kudu, tuskless elephant, red hartebeest, warthog, baboon, Burchell’s zebra, Cape buffalo, gemsbok, impala and black bear.

Greg noted Rick Culver, not really his mentor but a good friend, helped guide him through the process of big game hunting and what that all encompasses.

Wiersema’s fi rst big hunt was a black bear taken in Alaska. He commented, “All the hunts were special but probably the most favorite was when his son, Lukas, who was 14 years old at the time, accompanied him to Nambia, Africa, and they harvested eight animals. He added, “It was a great bonding experience.”

When hunting in Africa, Greg has always been accompanied by a P.H. (professional hunter), similar to what a guide is called in the United States. He added, “They know the animals and the taxidermists.” Several different guns were used in his different hunts. He also noted in Africa, the hunter does not pay for the special license/permit until after the animal is shot.

Asked if he ever had any close calls during his hunting excursions, he related this story. “I was hunting a Cape buffalo and it was about 30 yards away. It took at least six rounds before it was put down.” Defi nitely an adrenaline rush he recalled, as he animated and excitedly described it to this writer.

On Sept. 6 of this year, Greg returned from his latest hunt, which was an unsuccessful moose hunt in Wasilla, Alaska. He has no defi nite plans to return there at this time, although he is planning a fi shing trip into Canada next year. He quipped, “One more thing on my bucket list would be an elk hunt.”

Greg is affi liated with the Northeastern Wisconsin Chapter Safari Club International and  enjoys newspapers and monthly magazines from them. Locally, he belongs to the Izaak Walton Conservation League.

Although golf, fi shing and shooting events are some of his favorite pastimes, nothing can compare with his numerous hunts in Africa, as well as those in Alaska and southern Texas. He commented, “Right now Africa is the best bang for your buck. The hardest part is the long fl ight, but it’s well worth the money.” He added, “The experience is worth it.”

Greg and Claudia are parents to Lukas and Bridget, but call themselves

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Greg’s next move was working with Dr. Michael Ferris, an ear, nose and throat specialist for three and a half years. Then in 1992, Greg moved his practice to an offi ce located in Cobblestone Square

It was in 1996 that the little shop on 4th and Everett Streets became Greg’s home away from

Greg’s lifelong love of hunting began at the tender age of seven, when he started to hunt with a BB gun. His thrill of hunting started out modestly with shooting birds, small game, geese and deer hunting before he earned the

Some of the exotic animals Greg has harvested are black wildebeest, blue wildebeest, eland, greater kudu,

Left: Greg Wiersema is shown with a male nilgai kill from one of his hunting trips. Below: Greg Wiersema with his son Lukas and a gemsbok (antelope species) kill. SUBMITTED PHOTOS

empty nesters at this stage in their lives. Although  Claudia has  never accompanied Greg on his big hunts, she fully supports him. “She has always encouraged me to do what I really wanted to do.”

Page 8: Experience - November 2014

8 | EXPERIENCE ACTION PUBLICATIONS | NOVEMBER 2014

When a loved one passes away, the family faces an overwhelming

number of tasks and decisions, all while struggling through grief and diffi cult emotions. By taking care of your arrangements before the time of need, you’re relieving them of that burden and giving them more time and energy to focus on healing and remembrance. They won’t have to ask themselves, “Am I making the right choices?”

FUNERAL PREFUNDINGFor most people, debt is a

natural part of life. Unfortunately, it can also be a signifi cant part of dying. Final expenses, which can include funeral services, as well as outstanding bills and medical expenses, can leave your survivors burdened with substantial debt.

FUNERAL & ESTATE PLANNING

❚ LIFE❚ LOVE❚ LOSS❚ LEGACY

Planning for everything includes funeral arrangements

nursing homes. Final expenses planning helps

you ensure that loved ones are not given a fi nancial burden to

Without advanced planning, your family may need to use funds from savings, use credit cards, take out a loan, or even sell assets to pay for your funeral. Prefunding your funeral with an irrevocable funeral trust will give you and your family peace of mind knowing that the funds will be there to take care of your Final expenses.

IRREVOCABLE FUNERAL TRUSTAn irrevocable funeral trust is a

strategy combining life insurance with a funeral trust that is offered by a select group of insurance companies. Because the policy is owned by the irrevocable funeral trust, it offers tax-free benefi ts, protects from infl ation, can be used at any funeral home, and can be shielded from Medicaid and

For more information on protecting your assets, contact Peggy Smithson at (262) 716-4301

bear along with an emotional one at their time of grief. You can rest easy, knowing that you have created a legacy of love, not debt.

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Page 9: Experience - November 2014

EXPERIENCE | 9NOVEMBER 2014 | ACTION PUBLICATIONS

By Isabell M. Mueller, attorney

There are many unique issues for unmarried couples to consider in the estate planning

process. Because there is no “legal” relationship between the parties, it is critically important that these issues be addressed before problems arise. If left too late, you run the risk that your signifi cant other may have no rights and could end up being entirely removed from your life, both personally and fi nancially. So what documents should you put in place?

GENERAL DURABLE POWER OF ATTORNEY

This power of attorney is crucial because through it you designate who handles your fi nances in the event of your incapacity. It is not uncommon for unmarried couples to combine their fi nances. Absent this document, the court will appoint a guardian, and that Guardian may very well be someone other than your partner. Not only could your wishes be disregarded, but your signifi cant other could lose his or her fi nancial stability. 

HEALTH CARE POWER OF ATTORNEY

This document allows you to designate who will make health care decisions for you in the event of your incapacity. Again, if you become incapacitated and this document is not in place, a court appointed guardian becomes necessary. Unless

FUNERAL & ESTATE PLANNING

❚ LIFE❚ LOVE❚ LOSS❚ LEGACY

Estate planning for unmarried couples

Klement’s Racing Sausagesat Senior Summer GamesArea seniors recently enjoyed a fun-fi lled day at the 2014 Senior Summer Games held at Taylor Park in Fond du Lac. The day’s events included a poker walk with the Klement’s Racing Sausages, ladder ball, horseshoes, bingo, bean bag toss, and yolf. Club Olympia gave demonstrations of fi tness opportunities and the Army Reserves brought two of their special vehicles. For more photos visit facebook.com/FondDuLacSeniorCenter. SUBMITTED PHOTO

all of your next-of-kin agree, the court most likely will not appoint your signifi cant other. He or she will then have no legal right to participate in your health care, and could be completely barred from any contact with you.

AUTHORIZATION FOR FINAL DISPOSITION

This document allows you to appoint a representative with the decision making authority regarding your funeral arrangements. Without the authorization, Wisconsin law gives this right only to your next-of-kin. Unless you provide otherwise, your signifi cant other could be completely excluded from your funeral.

WILL / LIVING TRUSTIf you pass away without a

proper estate plan in place, Wisconsin law dictates that your assets be distributed to your next-of-kin. If you and your partner want to provide for each other fi nancially, it is crucial that you jointly construct your estate plan. You should consider whether you want to hold assets in both of your names. You should each execute either a will or a living trust, and also make specifi c provisions for each other on the benefi ciary designations of your life insurance, 401(k), IRAs, annuities, etc.

Unmarried couples often have the same estate planning objectives as married couples, but they clearly face challenges that married couples do not. However, most of these challenges can be overcome with proper planning.

bear along with an emotional one at their time of grief. You can rest easy, knowing that you have created a legacy of love, not debt.

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Fond du Lac County Senior Dining MenuNOVEMBER 3

Teriyaki Chicken, Baked Potato, BabyCarrots, Raspberry Sherbet, Seedless

Grapes*, Sliced Bread

NOVEMBER 4Chopped Steak in, Burg/Mush Sauce,

Mashed Potatoes, Peas and Carrots, PeachSlices, Frosted Cake*, Dinner Roll

NOVEMBER 5Lasagna Casserole, Mixed Italian Salad,Fruited Gelatin, Cookie*, French Bread

NOVEMBER 6Country Fried Steak, Mashed Potatoes,Mixed Vegetables, Birthday Cake, Apple

Slices*, Dinner Roll

NOVEMBER 7BBQ Pork Cutlet, Baby Red Potatoes, WaxBeans, Applesauce, Cinnamon Roll*, Sliced

Bread

NOVEMBER 10Ham Rolls, Squash, Cole Slaw, Pear Slices,

Vanilla Pudding*, Sliced BreadNOVEMBER 11

Salisbury Steak, Mashed Potatoes, Corn,Fruited Gelatin, Fudge Brownie*, Dinner Roll

NOVEMBER 12

Baked Chicken, Twice Bk Style Pot., ThreeBean Salad, Spice Cake, Plum Halves*,

Sliced Bread

NOVEMBER 13

Beef Stew, Spinach Salad with, Hot BaconDress., Peach Slices, Cookie*, Cheddar

Biscuit

NOVEMBER 14

Chicken Breast, Mashed Potatoes, Peasand Carrots, Poppy Seed Torte, Pineapple

Tidbits*, Sliced Bread

NOVEMBER 17

Hawaiian Meatballs, Baby Red Potatoes,Baby Carrots, Fruited Gelatin, Frosted

Cake*, Sliced Bread

NOVEMBER 18

Swiss Steak, Mashed Potatoes, SwissSpinach, Cream Sicle Torte, Fruit Cocktail*,

Dinner Roll

NOVEMBER 19

Glazed Ham, Au Gratin Potatoes, Peas/Pearl Onions, Cantaloupe Slice, Cookie*,

Sliced Bread

NOVEMBER 20

Chili Casserole, Wax Beans, Butterscotch,Pudding, Seedless Grapes*, Cornbread

NOVEMBER 21

Pork Steak, Mashed Potatoes, RedCabbage, Applesauce, Fudge Brownie*,

Sliced Bread

NOVEMBER 24

Baked Chicken, Twice Bk Style Pot.,Copper Penny Salad, Rainbow Sherbet,

Pear Slices*, Sliced Bread

NOVEMBER 25

Sweet and Sour Pork over Rice, TossedSalad, Mandarin Orange, Gelatin, Cookie*,

Dinner Roll

NOVEMBER 26

Roast Turkey, Mashed Potatoes, ScallopedCorn, Pumpkin Pie, Cranberry Gelatin*,

Sliced Bread

NOVEMBER 27

Thanksgiving

NOVEMBER 28

Closed to observe the ThanksgivingHoliday

Meal 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.WI-5001823428

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ISABELL M. MUELLEREstate Planning Wills and Probate Powers of Attorney

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Page 10: Experience - November 2014

10 | EXPERIENCE ACTION PUBLICATIONS | NOVEMBER 2014

By Valerie Graczyk, Someday Travel

A river cruise down the Danube River to Hungary and the Czech Republic is truly a

different experience than a cruise ship on open water. The most striking difference is the size of the ship, with fewer than 200 travelers on board. Everything was so accessible. The dining room, upper deck, massage area and lounge are within minutes of each other. The tone is one of relaxation and savoring the beauty of the pristine views.

This was our first river cruise and our first time in this part of the world. We would definitely return and are already planning another river boat trip for 2016. One of the pleasant surprises was how forested and non-commercialized this part of the world is. There are very few, if any, homes visible along hundreds of miles of

The first thing you notice when you speak with Barbara Luckas is her smile and relaxing sense

of humor -- then, you can’t help but be drawn in by her adorable English accent. Yes she was born England. As a child growing up in England, Barbara remembers having difficulty learning to read when she was in “grade school.” But, she says, “Once I learned to read, no one could get a book out of my hand!”

Luckas has a degree in Early Childhood Education and worked for many years with young children. Barbara is now retired and says “I want help students get as much enjoy-ment from reading as I do.” Barbara further convinces you of her passion to teach reading when she explains: “After a child learns to read they can teach themselves almost any-thing! Reading develops their own cre-ative thinking and also increases their

vocabulary, which gives them the abil-ity to better express themselves.”

So why tutor high school stu-dents? Barbara believes that “Many students don’t know the possibilities for their future. I want to help them succeed in high school so they are able to explore those possibilities through higher education.”

Luckas is an Advocap RSVP vol-unteer who serves as a tutor for high school students through the Upward Bound Math and Science Program. Upward Bound Math and Science Tutors 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.

Barbara is thrilled to support these high school students with their reading

and math skills and encourages anyone interested to call Bridget at Advocap to find out more about this rewarding opportunity to help a child learn and succeed!

school volunteers needed● Preschool Classroom – assist

students ages 3 to 5 with a variety of learning experiences including games and reading stories. ● Elementary School – Tutors spend

one-on-one time to encourage aca-demic achievements in literacy and math. School-based tutors are also mentors that model positive skills to promote social competence and emo-tional maturity.

Volunteers 55 years and over re-ceive support and training, mileage reimbursement, excess accident/liability insurance, and annual rec-ognition. Some volunteers who are over age 55 and meet specific income

Barbara Luckas supports high school students with their readingvolunteer

Advocap RSVP tutor volunteer Barbara Luckas reviews a reading assignment before she meets with a high school student she tutors. SUBMITTED PHOTO

guidelines may also qualify to receive a small stipend through the Foster Grandparent Program!

For more information on volunteer-ing call Bridget Bestor, ADVOCAP vol-unteer development specialist at (920) 922-7760 or [email protected].

Danube River Boat Cruise

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

Page 11: Experience - November 2014

EXPERIENCE | 11NOVEMBER 2014 | ACTION PUBLICATIONS

By Valerie Graczyk, Someday Travel

A river cruise down the Danube River to Hungary and the Czech Republic is truly a

different experience than a cruise ship on open water. The most striking difference is the size of the ship, with fewer than 200 travelers on board. Everything was so accessible. The dining room, upper deck, massage area and lounge are within minutes of each other. The tone is one of relaxation and savoring the beauty of the pristine views.

This was our fi rst river cruise and our fi rst time in this part of the world. We would defi nitely return and are already planning another river boat trip for 2016. One of the pleasant surprises was how forested and non-commercialized this part of the world is. There are very few, if any, homes visible along hundreds of miles of

shoreline, no advertising signs and no noise pollution from motor boats or other pleasure crafts to speak of.

The current of the Danube is very

The Blue Danube at nightValerie and Wayne Graczyk stand on the deck of the Amadeus Diamond in Budapest, Hungary. The bridge in the background is called the “Liberty Bridge” or the “Freedom Bridge.” SUBMITTED PHOTO

Danube River Boat Cruise

strong (up to 25 knots) and requires a total of 17 locks to navigate its entire length. For the most part the locks were navigated at night.

We docked for a night or two in Bratislava, Vienna and Budapest. Once docked you were free to take optional tours of the city, attend concerts as we did in Vienna, visit palaces or even tour the famous Benedictine Monastery in Melk. You also had the option to stay on the boat and read or or even bike (most ships have bikes to use free).

Seven days fl oating down the Danube left us with many wonderful memories. The top on our list will always be our visits to the cities and history of Bratislava, Vienna and Budapest. In my December column I will share more in-depth about each of them. A fi nal positive for us were the staff on the boat. They were very welcoming and hospitable. The food was outstanding and the travelers in our group were a delight to be with.

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Page 12: Experience - November 2014

12 | EXPERIENCE ACTION PUBLICATIONS | NOVEMBER 2014

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