50plus!

Mar

ch 2

013

| T

he m

agaz

ine

for

acti

ve, m

atur

e lif

esty

les social securiTy: 2

Spring into retireMent

Savvy Senior 3

aDrC 4

healTh column: 5 alCohol not only CauSe of liver probleMS William alvarez, mD,

Financial column: 9Converting SavingS to retireMent inCoMe ranDall Behnke

FeaTure sTory:

DeSpite obStaCleS, ManitowoC Man bringS joy to worlD through ‘painting,’ poetry

artist stephen mickey poses with his artwork at his home studio in manitowoc he colors velveteen posters for his smile Project and donates his artwork and poetry through missionary work in india, africa, Jamaica, haiti, north carolina and locally at the manitowoc county hope house. For more about mickey, see pages 6-7.

sue Pischke/50 Plus 66 Smile Project

Staff Pat Pankratz, 50 Plus! editor 920-686-2138 ppankratz@htrnews.com

50 Plus! is published monthly by the herald Times reporter. it also is distributed to select businesses in manitowoc county.

50plus!

social securiTy

By KEN HESS

Here are a few important items about Social Se-curity retirement benefits and how to apply for them.

When you work and pay Social Security taxes, you earn “credits” toward Social Security ben-efits. If you were born in 1929 or later, you need 40 credits (10 years of work) to qualify for retire-ment benefits.

We determine the amount of your benefit by both how long you work and how much you earn. The

Spring Into Retirement

higher your lifetime earnings, the higher your monthly benefits. If there were some years when you did not work or had low earnings, your ben-efit amount may be lower than if you had worked steadily or earned more.

Your age at the time you start receiv-ing Social Security retirement makes a difference in your benefit amount. The full retirement age (the age at which 100 percent of retirement ben-efits are payable) has been gradually rising from age 65 to age 67. You can take “early retirement” as early as age 62, but if you start collecting benefits before you reach your full retirement age, your monthly payment will be reduced. You can find out what your full retirement age is by referring to the convenient chart at www.socialse-curity.gov/retire2/retirechart.htm

Just as you can choose an early retire-ment and get a reduced payment, you also can choose to not take your ben-efit till you are beyond your full retire-ment age to take advantage of a larger payment. Generally, your benefit will increase automatically by eight per-

cent each year from the time you reach your full retirement age until you start receiving your benefits or until you reach age 70.

The decision of when to retire is per-sonal and depends on a number of fac-tors. To help you weigh the factors, we suggest you read our online fact sheet, When To Start Receiving Retirement Benefits, available at www.socialsecu-rity.gov/pubs/10147.html.

You may want to consider your options by using our Retirement Estimator to get instant, personalized estimates of future benefits. You can plug in dif-ferent retirement ages and scenarios to help you make a more informed re-tirement decision. Try it out at www.socialsecurity.gov/estimator.

You also can set up an online my So-cial Security account. You can use your my Social Security account to obtain a copy of your Social Security Statement to check your earnings record and see future estimates of the retirement, dis-ability, and survivor benefits you and your family may receive. Visit www.socialsecurity.gov/myaccount.Club

Jointhe

ClubMichael Jordan (born Feb. 17, 1963), also known by his initials, mJ, is an american former professional basketball player, entrepreneur, and majority owner and chairman of the charlotte Bobcats. his biography on the national Basketball association (nBa) website states, “By acclama-tion, michael Jordan is the greatest basketball player of all time.” Jor-dan was one of the most effectively marketed athletes of his generation and was considered instrumental in popularizing the nBa around the world in the 1980s and 1990s.

James Travis Tritt (born Feb. 9, 1963) is an american country music singer from marietta, Ga. he signed to Warner Bros. records in 1989, releasing seven stu-dio albums and a greatest hits package for the label between then and 1999. in the 2000s, he released two albums on columbia re-

cords and one for the defunct category 5 records. seven of his albums (counting the Greatest hits) are certified platinum or higher by the recording indus-try association of america.

look who’s 50 now!

2 . march 2013 . 50 plus!

929 S. 31st StreetSeniors 55+ ResidenceAcross the street from

Senior CenterShopping, Banking,

Grocery Store,City Bus lineRegency House Apartments By The Senior CenterRReeggennccyy House Appaartmennttss BByy The SSeenioor CCeennter

• Security Features• Hot Water Heat• Water & Sewer• Appliances

• Garages Available• Safety Features• Laundry Facilities• Community Room

• Soundproofing• Elevator• Cable/Dish Ready• Monthly Socials

*Income limits apply to 1 Bdrms.

Enjoy Beautiful Snowfalls...and never shovel snow again!

For A Showing: (920) 684-1531 or info@parkregencymanagement.com

m a n a g e m e n tWI-5001620656

WI-5001621266

Jim Miller

hoW To Divvy uP your sTuFF

Dear Savvy Senior:

What’s the best, conflict-free way to divvy up my personal posses-sions to my kids after I’m gone? I have a lot of jewelry, art, family heirlooms and antique furniture, and five grown kids that don’t always see eye-to-eye on things. Any suggestions would be appre-ciated.

Seeking Peace

Dear Seeking:

Divvying up personal possessions among adult children or other loved ones is a task that many par-ents dread. Deciding who should get what without showing favorit-ism, hurting someone’s feeling or causing a feud can be difficult, even for close-knit families who enter the process with the best of intentions. Here are some tips to consider that can help you divide your stuff with minimal conflict.

Problem Areas

For starters, you need to be aware that it’s usually the small, simple items of little monetary value that cause the most conflicts. This is because the value we attach to the small per-sonal possessions is usually senti-mental or emotional, and because the simple items are the things that most families fail to talk about.

Family battles can also escalate over whether things are being di-vided fairly by monetary value. So for items of higher value like your jewelry, antiques and art, consider getting an appraisal to assure fair distribution. To locate an appraiser, visit appraisers.org.

Ways to Divvy

The best solution for passing along your personal possessions is for you to go through your house with your kids (or other heirs) ei-ther separately or all at once. Open up cabinets, drawers and closets,

and go through boxes in the attic to find out which items they would like to inherit and why. They may have some emotional attachment to something you’re not aware of. If more than one child wants the same thing, you will have the ultimate say.

Then you need to sit down and make a list of who gets what on paper, signed, dated and refer-enced in your will. You

can revise it anytime you want. You may also want to consider writing an additional letter or create an au-diotape, CD or DVD that further explains your inten-tions.

You can also specify a strategy for divvying up the rest of your property. Some fair and reasonable options in-clude:

Take turns choosing: Use a round-robin process where family members take turns picking out items they would like to have. If who goes first becomes an issue, they can always flip a coin or draw straws. Also, to help simplify things, break down the dividing pro-cess room-by-room, versus tackling the entire house.

Have a family auction: Give each person involved the same amount of “play money,” or use “virtual points” to bid on the items they want. This can also be done online at eDivvyup.com, a website for families and estate executors that provides a fair and easy way to distribute of personal property.

For more ideas, see “Who Gets Grandma’s Yellow Pie Plate?” A resource created by the University of Minne-sota Extension Service that offers a detailed workbook or interactive CD for $12.50, and DVD for $30, that gives pointers to help families discuss property distri-bution and lists important factors to keep in mind that can help avoid conflict. You can order a copy online at yellowpieplate.umn.edu or by calling 800-876-8636.

It’s also very important that you discuss your plans in advance with your kids so they can know ahead what to expect. Or, you may even want to start distributing some of your items now, while you can still alive.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

When you decide to retire, the easiest and most convenient way to do it is right from the comfort of your home or of-fice computer. Go to www.so-cialsecurity.gov where you can apply for retirement benefits in as little as 15 minutes. In most cases, there are no forms to sign or documents to send; once you submit your electronic applica-tion, that’s it! You’re done!

Be sure to have your bank ac-count information handy so you can receive your payments electronically. Electronic pay-ment of federal benefits is now mandatory, with few excep-tions.

Spring is a great time to turn a new leaf. Spring into retirement now! Learn more by reading our publication, Retirement Benefits, at www.socialsecurity.gov/pubs/10035.html.

Ken Hess of Manitowoc is Social Security Public Affairs Specialist for Wisconsin.

50 plus! . march 2013 . 3

Professionally Managed By:Bob Gregurich • 683-3042

• One and two bedroom with full kitchen and appliances• Patios and decks• Coin-operated laundry in all buildings• Off-street blacktop parking with heater plug ins

• Across the street from Village Park• Seniors 62 and over• Handicapped or disabled 18 years of age and over• One block from a grocery store

PARK LANE APARTMENTS • 416 PARK LANE • MISHICOT, WI

Rent based on 30% of income, less medical WI-5001349609

IMMEDIATE OPENINGS • LOW-RENT HOUSINGFOR SENIORS OR • HANDICAPPED, DISABLED

WI-5

0016

2067

9

This upscale, yet affordable,independent senior apartmentcommunity features undergroundparking, a well-appointedcommunity room & balconies/patios. Conveniently located nearshopping and restaurants.

Call DEBBIE for a private tour:901-RENT

This quaint, affordableapartment community featuresgarages, community room &salon. Centrally located in TwoRivers.

Call SUE for a private tour:794-1555

www.Doneff.comNO entrance or endowment fees:

Appliances, heat, water, sewer all included.

Choose from twowonderful senior livingcommunities!

Ask about our Move-in Specials

aDrc: classes For aDulT careGivers PlanneDBy JUDY RANK

The Aging & Disability Resource Center (ADRC) is taking registrations for its upcoming Powerful Tools for Caregiving program. This is a six-week class for the family caregiver that will be held on Mondays, be-ginning April 1 from 9 a.m. to noon at Aurora Medi-cal Center. Attendance at all six sessions is highly encouraged, as each class builds upon previous skills acquired.

The focus is on the caregiver and self-care. You will learn techniques to reduce personal stress, communi-cate effectively with family, friends, and medical pro-fessionals, reduce guilt, anger, depression and tension. You will practice relaxation techniques, and build confidence in handling difficult care-giving situations, emotions and decisions.

Respite care for your loved one, during the class, can be provided by Generations Elder Care, but must be arranged in advance. An admission assessment is re-quired prior to attendance for all new Elder Care par-ticipants. Please call Lynn at the ADRC at (9200 683-4180 to arrange for this service or to register for the class. Class size is limited.

New ProviderLogistiCare, the medical assistance transportation provider for the State, had given notice to the state that it will be terminating its contract to provide non-emergency medical transport for BadgerCare Plus and Medicaid recipients on Feb. 17. The state has issued a

request for proposal for a new contractor of this ser-vice. A new provider will not be in place until at least May 1 of this year. Until that time, LogistiCare is re-quired to continue to provide this service.

Members should continue to call LogistiCare at 1-866-907-1493 to schedule a ride. Rides may be scheduled up to a month in advance or at least two business days before a routine appointment. Urgent calls can be made 24 hours per day, 7 days a week. If your ride is more than 15 minutes late, you should call Logisti-Care’s “Where’s My Ride” number at 1-866-907-1494, to ask about your ride.

Program for WidowsHoly Family Memorial Hospice and a group of local widows are offering a two-day workshop to help wid-ows who are struggling as a result of the loss of a loved one. The first session will be held on March 2 from 9 a.m. to 12:30 p.m. and is titled “Ropes, Boats, and Life Preservers for Staying Afloat.” This session will include information on home safety and maintenance, investments, taxes and probate and estate planning.

The second session is scheduled for April 13 from 9:30 a.m. to 12:30 p.m. This session will touch upon the personal feelings that accompany the loss of a loved one which includes faith, depression, grief, the blues, and identifying who you are and what to do next. Please contact Holy Family Memorial at (920) 320-2519 for more information or to register by Feb. 27 for one or both programs.

Tax AssistanceA reminder that help with income tax, both federal and state, is available to the elderly by AARP vol-unteers at both the Mani-towoc and Two Rivers Se-nior Centers. Please call the center to schedule an appointment.

Accounting students from Lakeshore Technical Col-lege will also provide as-sistance to people with incomes less than $50,000

by assisting with preparation of returns free of charge at the Manitowoc County Job Center, 3733 Dewey St., Manitowoc. Silver Lake College will assist the LTC students through the Volunteer Income Tax Assistance program (VITA), which is under the oversight of the IRS. They will be open from 9:30 a.m. to 2 p.m. Satur-days through April 6. Please call (920) 693-1398 for a reservation with the LTC program.

Dementia CareThe ADRC has hired a dementia care specialist and is now ready to accept family caregivers of a person with dementia into its Memory Care Connection program. Its goal is to provide knowledge and support to people caring for their family member with dementia. Alisha is able to help caregivers and their family, understand Alzheimer’s disease and related dementias and how the disease may progress over time. She will work with the family on discussing strategies, provide cop-ing tools and problem solving skills and help in getting community resources. Alisha may be contacted at the ADRC at (920) 683-4180 or 1-877-416-7083.

The program is also looking for volunteers to work with the person with the dementia diagnosis through a program called “LEEPS.” This program matches vol-unteers to individuals in providing physical and men-tal stimulation. Training is provided by the ADRC.

Driving CourseIf there are any older drivers, with computer skills, looking to enhance their driving skills, AARP is offer-ing an online course at a discounted rate of $5. The course is usually offered through the local Senior Cen-ter at a cost of $15.95 for AARP members and $19.95 for nonmembers.

The AARP Driver Safety Black History Month Pro-motion is available on the website: www.aarpdriver-safety.org. Click the “Sign Up” button and enter the promo code BHM2013 when prompted. Participants must register by Feb. 28, but will have 60 days to com-plete the course from the day of registration.

It’s nice to see the days getting longer. This means Spring is right around the corner.

Judy Rank is executive director of the Aging and Disability Resources Center of the Lakeshore

4 . march 2013 . 50 plus!

1 & 2 bedroom apartmentsfor the elderly 62 and above

or qualified disabledRent based on income

Medical amounts deductible

Call 920-732-3440 today!

f

CaCaCaCaCaWI-5001620732

PARKVIEW APARTMENTS & K-WEST APARTMENTSQuiet country living next to the park in Kellnersville, WI

HaveOne and

Two BedroomApts Available!

• Rent based on income• Utilities are included• Medical amounts deductible

REEDSVILLEManorApartment for seniors (55 and over)

and qualified disabled.ppp f

aand quuaalif

431 Madison Street • Reedsville WI 54230

2 bedroomapartmentavailable!

WI-5

0016

2073

5

WI-5001620694

Experience living in the fun andbeautifully renovated & remodeled

St. Luke’s School.

Unique downtownTwo Rivers living

Close to shopping, dining and the Community Center.

healTh column

Alcohol Not Only Cause Of

Liver ProblemsWilliam Alvarez, MD, is with Holy Family Memorial’s gastroenterology department.

By WILLIAM ALVAREZ, MD

Most people know that long-term alcohol use can cause liver damage but few are aware of two other causes of liver damage, which are unrelated to alco-hol consumption. The first is viral hepatitis C, which is usually related to behaviors from the past, and the sec-ond is nonalcoholic fatty liver disease which is related more to lifestyle choices.

Hepatitis CThere are three main viruses that infect the liver, called “A,” “B” and “C.” Four out of five people that come into contact with the hepatitis C virus will have inflam-

mation of the liver that lasts for many years. The way most people contract the virus is through con-tact with blood from an infected person. Trans-mission occurs most com-monly when drug users share needles or the straws they use to snort cocaine.

The virus can also be passed via contaminated needles used in tattoos or body piercing. Blood transfusions prior to 1990 were a potential source of infection but now the odds of getting hepatitis C from a transfusion are 1 in 2 million. In some patients, no risk factor

is identified. Hepatitis C is usually diagnosed in in-dividuals between the ages of 40 and 60. In fact, the Centers for Disease Control (CDC) recently recom-mended that anyone born between 1945 and 1965 (“baby boomers”) be tested even if they do not have any known risk factors.

Individuals with hepatitis C often do not complain of any symptoms, although some patients experience fa-tigue or abdominal pain. The infection can lead to cir-rhosis or severe scarring of the liver, which can cause swelling of the legs and abdomen, yellowing of the skin or mental confusion, and may lead to liver cancer.

Although not all patients will develop these complica-tions, hepatitis C is the leading cause of liver cancer and the most common reason for liver transplants in the United States.

Not everybody with hepatitis C needs treatment. For those that do, treatment is dictated by the type of the virus contracted. Type 1, the most common, is cur-rently treated with a weekly injection and two daily medications. Treatment lasts from six to 12 months with 70 to 80 percent of patients able to clear the virus from their body.

Types 2 or 3 only need six months of treatment with the injection and one medication and have cure rates over 80 percent. Some patients cannot tolerate the side effects of treatment; however, medications with fewer side effects are under investigation and will hopefully be ready for use within the next few years. Patients with hepatitis C who either don’t require or cannot tol-erate the necessary treatment can protect their liver by avoiding alcohol and marijuana, maintaining a healthy weight, and getting vaccinated against hepatitis A and B.

Nonalcoholic SteatohepatitisThe other common liver disease is nonalcoholic ste-atohepatitis (NASH). Similar to hepatitis C, NASH causes little to no symptoms yet it can progress to cir-rhosis and liver cancer. The cause of NASH, however, is related to the growing epidemic of obesity, high cholesterol and diabetes. These health conditions can lead to the accumulation of fat in the liver or fatty liver

LIVER PROBLEMS continued on page 10

50 plus! . march 2013 . 5

HamiltonCare Center

Skilled Nursing & Rehabilitation Redefined

Your hometown choicefor Nursing andRehabilitationServices!

Come see the care we can provide.We are located in a beautiful serene wooded setting near

downtown Two Rivers

Private and Semi-private roomsInpatient and Outpatient Physical, Occupational,and Speech Therapy.

Our therapists are trained in LymphedemaTherapy, Continence Treatment, Orthopedics andNeurological Treatment,including neuropathy.

Licensed qualified social service professionals.Activities geared toward all levels of function.Caring, compassionate staff eager to meet your needs.

WI-5001620726

Schedule your tour today!

1-920-793-2261

1 Hamilton DriveTwo Rivers

Wisconsin 54241

By TARA MEISSNER | 50 Plus Correspondent

MANITOWOC — Steven Mickey, 65, is a polio sur-vivor who uses a walker and eats pureed food. Among his 15 chronic condition diagnosis are bipolar, diabe-tes, and sleep apnea.

“But I smile,” he said. “I’m a free spirit – whimsical, fun.”

And it’s that smile that fuels a personal mission to spread joy throughout the world packaged in unlikely velveteen posters, which Mickey “paints.” He describes the posters as childlike, but not childish.

The completed posters have made their way to nursing homes and homeless shelters locally, throughout the continental United States and as far as Haiti as part of a program Mickey calls the “Smile Project.” He works with a local priest who takes the posters on mission trips serving people living in extreme poverty.

Mickey had polio as a toddler and was paralyzed for

about six months. According to Mickey, doctors didn’t practice physical therapy at that time, but his father worked with him so he was able to regain the ability to walk. From there, he had a normal childhood with his five siblings in a Catholic family on the East coast.

In 1980, he was diagnosed with post-polio, which grad-ually weakened his muscles. He was able to live on his own for eight years, before he had a social worker set him up with home care and a cleaning service.

About two-and-a-half years ago, Mickey was living in a nursing home disabled with depression; the longer he stayed the worse the depression got so he said he knew he had to find a way to leave and regain some independence.

He now is qualified for an Independent Residential Option, where he has home care seven days a week, two hours each weekday and a half-hour a day on the weekends, with additional hours for shopping and laundry. Mickey also receives Hospice services.

DeSpite obStaCleS, ManitowoC Man bringS joy to worlD through ‘painting,’ poetry

artist Stephen Mickey colors a velveteen cross at his home studio in Manitowoc. Mickey colors the velveteen posters for his Smile project and donates his artwork and poetry through mission-ary work in india, africa, jamaica, haiti, north Carolina and locally at the Manitowoc County hope house. Sue pischke/50 plus

Vehicle To Happiness“Becky” is his main caregiver, who worked with him to find a vehicle toward happiness. Together they went to Hobby Lobby and found the Velveteen felt posters and Crayola markers.

“Painting” the designs with Christian themes helps Mickey fight depression. Mickey says his creative work is assisted by the Holy Spirit, who helps him choose the colors, because he is colorblind.

“If I have a manic attack, my colors become very vi-brant,” Mickey said.

Mickey receives validation for the “Smile Project.” He keeps thank you cards in a thick binder and has framed photos from recipients, which he reviews when he is

Smile ProjectSmile Project

6 . march 2013 . 50 plus!

Devoted To WorkThe following passage of Scripture inspires Mickey to continue: “The King will reply, ‘I tell you the truth, whatever you did for one of the least of these brothers of mine, you did for me.’” Matthew 25:40.

In addition, he repeats the following per-sonal mantra, “Life is to live. Life is to give. And talents are to use for the good that you choose.”

Mickey is a devoted Catholic, who goes to church every Sunday at St. Mary’s, because it is wheelchair accessible. However, the ramp is too steep for Mickey to navigate in-dependently, so he relies on a friend to push his chair.

Because Catholics can receive Holy Com-munion daily, Mickey has friends bring com-munion to his apartment two additional days each week.

Poetry As WellPrior to painting, Mickey was a poet. He

wrote eight books of poetry, mostly inspirational and many with religious themes. These are part of the col-lection at the Manitowoc Public Library. He had a busi-ness for 20 years, Poetic Expressions. In this business, he sold his original poetry on cards, in books, and as framed pictures.

“I still write poetry, but not as much,” he said. “I am now more prolific in painting than I was in writing.”

Mickey spends five hours a day each weekday in a windowless second bedroom of his apartment, which he has set up as a studio with a bench work station, a desk, and card table. On weekends, he spends upwards of 10 hours a day there working on the posters using markers.

“Painting is a release; it relaxes me,” he said.

He likes to play Christian music in the background while he works in the humble apartment with just a small kitchenette and living room.

“I don’t have any luxuries,” he said.

Mickey has a $75 weekly allowance, which he uses to purchase everything for the “Smile Project.” Dona-tions help keep the project going.

“When I’m down on funds, God provides donations,” Mickey said.

He shops at Hobby Lobby when they have a 30 percent off sale. He also has a friend order supplies online.

If Mickey becomes dependent to the point of needing the care at assisted living, he would lose his allowance and would not have room to work on the Smile Proj-ect.

“I want to stay here as long as I can,” he said.

Mickey is a graduate of Silver Lake College in a self-designed major of human services for the elderly.

If you would like to donate to Mickey’s “Smile Proj-ect” efforts, you can call him at (920) 682-4845.

Tara Meissner is a freelance writer in Manitowoc. She can be reached at (920) 860-6957 or tarameissner@yahoo.com.

Artist Stephen Mickey at his home stu-dio in Manitowoc. Sue Pischke/50 Plus

down emotionally.

The smile on the faces of the recipients shows Mickey how much good the “Smile Project” is doing, he said. To date, Mickey has completed more than 5,000 paint-ings — many of them 8 x 10 crosses.

50 plus! . march 2013 . 7WI-5001620657

Two Rivers793-1396

Valders775-4433

Manitowoc684-4642

JOIN US FOR OURLUNCH & LEARN

All-Care Cremation Center928 South 14th Street Manitowoc

www.allcarecremationcenter.com

Enjoy a light Lunch /Limited SeatingReservations are appreciated

When?11:30am to 1:00pm • Tuesday, April 2, 2013

Where?All-Care Cremation Center • Manitowoc

925 South 14th StreetTopic

Mrs. Judy Rank, Director of Aging & Disability Resource Center will discuss: Medicaid,Long Term Care and Spousal Impoverishment. John Bodwin & Justin Huddock will

discuss Funeral Planning Options.

Manitou Manor Apartments1433 No. 6th Street Manitowoc • 684-5865

http://manitoumanor.weebly.com

When you are looking formore than just an apartment...Let us welcome you home! We takepride in our apartments and it shows!You will be captivated by the beautyyou will find in the apartments, commonareas, and grounds.For those 50 & up or adults withdisabilities we offer rent that is 30%of adjusted gross income & includesutilities. We also offer a low-cost DirecTVpackage, are located on the bus line,and have a county nutrition site.

• Tenant and staff-led activities• Pet-friendly• Large rec room with Wi-Fi,pool table, games and puzzles

WI-5001620670

crossWorD: u.s. PresiDenTs suDoku

across1. ruler siDes, e.G.6. ToWarD The sTern9. hiT The BoTTle13. “la TraviaTa”

comPoser14. Tokyo, Formerly15. *FirsT PresiDenT To

resiGn16. one oF Three

hiPBones17. Bruin leGenD BoBBy

Fill in the blank squares in the grid, making sure that every row, column and 3-by-3 box includes all digits 1 through 9. Crossword and Sudoku solutions on page 11.

48. scraPs50. BreWer’s kiln52. WorD For a noD53. seconD WorD oF

many FairyTales55. Poison ___57. *FirsT To have Been

DivorceD60. *FirsT rhoDes

scholar64. moDel-BuilDinG

WooD65. BoilinG BlooD67. noBoDy68. oPen uP69. BelonGinG To us70. caPiTal oF Tunisia71. BiG FirsT For a BaBy72. meaninG liTerally

“Born”73. cancel, as in

correcTion, Pl.

DoWn1. *reaGan’s

DescriPTion oF sovieT union

2. hero Place3. smiley Face4. someThinG

concluDeD5. araBian sanD-laDen

WinD6. QuiTe a sTreTch7. *FirsT To aPPear on

Black-anD-WhiTe Tv8. BoDy cenTer9. cone-shaPeD

QuarTers10. Farm Team11. French-american

soPrano lily ____12. ensiGn, For shorT15. PayinG close

aTTenTion20. minimum

22. *FirsT To aPPear on color Tv

24. cia connecTion, e.G.25. *FirsT To live in

WhiTe house26. sTar BursTs27. BesiDe, archaic29. *clinTon’s numBer

TWo31. “my BaD!”32. unTWisT a roPe33. GarDen creaTure34. *ruTherForD _____36. “True ____,”

sTarrinG John Wayne

38. PoP42. DisinFecTanT BranD45. courTney cox’s

18. some TournamenTs19. *FirsT To Be

assassinaTeD21. ProTesTs23. corn sPoT24. mischievous

scanDinavian GoD25. acTress ___

GasTeyer28. Famous chrisTmas

GuesTs30. as much as

necessary

35. FolloWs DinG?37. solD in Bars39. “ToniGhT’s _____ Be

a GooD niGhT...”40. alleGe41. *anDreW Johnson’s

TriBulaTion, e.G.43. clever TacTic44. BouncinG oFF The

Walls46. sPorTs aWarD47. eQual

characTer49. hoT sPrinGs resorT51. conTaminaTes or

corruPTs54. Tear Jerker56. TyPe oF WhiP57. Deliver a TiraDe58. DresDen’s river59. hurry uP!60. WraP in Waxy cloTh61. voice QualiTy62. “GeT __ __!”63. “The unTouchaBles”

leaDer64. *PresiDenTs oBama

anD Bush BoTh camPaiGneD From one

66. sTreeT in Paris

8 . march 2013 . 50 plus!

WI-5

0016

2126

1

1004 Washington Street • Manitowoc • 684-7155 • www.homecarehealth.org

RN’s • Therapists • Bath Service • CompanionsHospice • Housekeepers • Money Minders

Randall Behnke is a financial advisor and president of Integrity Investments & Insurance Mgmt., 3121 Calumet Ave., Manitowoc. He can be contacted at (920) 686-8222 or www.livelifesecure.com.

Financial column

Converting Savings to Retirement Income

By RANDALL BEHNKE

During your working years, you’ve probably set aside funds in retirement accounts such as IRAs, 401(k)s, or other savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income stream that will provide ad-equate income throughout your retirement years.

Set A Withdrawal RateThe retirement lifestyle you can afford will depend not only on your assets and investment choices, but also on how quickly you draw down your retirement portfolio. Figuring out an appropriate initial withdrawal rate is

a key issue in retirement planning and presents many challenges.

Why? Take out too much too soon, and you might run out of money. Your withdrawal rate is espe-cially important in the early years of your retire-ment, as it will have a last-ing impact on how long your savings last. There is no standard rule of thumb that works for ev-eryone — your particular withdrawal rate needs to take into account many factors, including, but not limited to, your asset allocation and projected

rate of return, annual income targets (accounting for inflation as desired), and investment horizon.

Which assets should you draw from first? You may have assets in accounts that are taxable (e.g., CDs, mu-tual funds), tax deferred (e.g., traditional IRAs), and tax free (e.g., Roth IRAs). Given a choice, which type of account should you withdraw from first? For retirees who don’t care about leaving an estate to beneficiaries, the answer is simple in theory: withdraw money from taxable accounts first, then tax-deferred accounts, and lastly, tax-free accounts.

For retirees who intend to leave assets to beneficiaries,

the analysis is more complicated. You need to coordi-nate your retirement planning with your estate plan. However, this may not always be the best strategy. If you intend to leave your entire estate to your spouse, it may make sense to withdraw from taxable accounts first. This is because spouses are given preferential tax treatment with regard to retirement plans.

The bottom line is that this decision is also a compli-cated one. A financial professional can help you de-termine the best course based on your individual cir-cumstances. Certain distributions are required. The law requires you to start taking distributions — called “required minimum distributions” or RMDs — from traditional IRAs by April 1 of the year following the year you turn age 70½, whether you need the money or not. Roth IRAs aren’t subject to the lifetime RMD rules.

It’s important to take RMDs into account when con-templating how you’ll withdraw money from your savings. Why? If you withdraw less than your RMD, you will pay a penalty tax equal to 50 percent of the amount you failed to withdraw. The good news: you can always withdraw more than your RMD amount.

Annuity DistributionsIf you’ve used an annuity for part of your retirement savings, at some point you’ll need to consider your op-tions for converting the annuity into income. You can choose to simply withdraw earnings (or earnings and principal) from the annuity. There are several ways of doing this. You can withdraw all of the money in the

RETIREMENT INCOME continued on page 10

50 plus! . march 2013 . 9

WI-5001620653

818 State StreetManitowoc, WI 54220

920.682.0118

1124 Main StreetKellnersville, WI 54215

920.732.3535

1122 South 8th StreetManitowoc, WI 54220

920.682.1568

IIt just makes sense to prepare for the inevitablewhile emotions are at rest and heads are clear.Pre-planning Specialist Mike Jarzin is availableto answer your questions and provide theguidance you need to make educated decisions.Call Mike today to set up an appointment.

Some decisions are too

to be rushed.

©2009F.A.C.Marketing

Mike JarzinPre-planning Specialist

important“We Care About Our Residents”

2 Great LocationsFor Comfortable Senior Living

• Spacious one-bedroomapartments

• Utilities included

• On-site Resident Managersfor your convenience& security

Subsidized apartments for the elderly

Apartmentsavailable bothlocations

Village Green West2602 Forest Ave., Two Rivers • 794.8713

Village Green East2401 Polk St., Two Rivers • 794.7961

WI-5

0016

2066

2

A t t

NowTAKINGAge 50 & Up

annuity (both the principal and earn-ings) in one lump sum. You can also withdraw the money over a period of time through regular or irregular with-drawals.

However, if you systematically with-draw the principal and the earnings from the annuity, there is no guarantee that the funds in the annuity will last for your entire lifetime, unless you have sep-arately purchased a rider that provides guaranteed minimum income payments for life (without annuitization).

disease. The accumulation of fat alone does not appear to damage the liver. Some patients develop inflammation or NASH, which can lead to scarring, and damage similar to that caused by alco-hol.

Because most patients don’t have symp-toms, it is difficult to determine how many people are affected, but current estimates suggest that 2 to 5 percent of Americans have NASH while 10 to 20 percent of Americans have fatty liver without inflammation. Most cases of NASH are diagnosed between the ages of 40 and 60 although the condition is becoming more common in younger adults and even children due the increas-ing rates of obesity in the United States. Although NASH can lead to cirrhosis and the need for a liver transplant, many patients with NASH will not suffer any liver problems. However, patients with NASH are at increased risk for cardiac-related illness and death as a result of

the precipitating conditions of obesity, high cholesterol and/or diabetes.

There is no specific treatment for NASH aside from gradual weight loss, which can improve the condition of the liver. This should be achieved by exercise and a healthy diet, which usually includes decreased consumption of sugars, espe-cially fructose. Several drugs are under investigation but their role is not yet proven.

What should I do?Since these two types of liver damage are not associated with obvious symp-toms, anyone who feels they may be at risk for either hepatitis C or NASH should consult with their physician. As recommended by the CDC, anyone born between 1945 and 1965 should consider being tested for hepatitis C even if they do not have any known risk factors. Regular exercise and a healthy diet will help to keep your whole body healthy, including your liver. Please consult with your doctor if you have any further questions about these conditions.

LIVER PROBLEMS continued from page 5

RETIREMENT INCOMEcontinued from page 9

A second distribution option is called the guaranteed* income (or annuitiza-tion) option. If you select this option, your annuity will be “annuitized,” which means that the current value of your annuity is converted into a stream of payments. This allows you to receive a guaranteed* income stream from the annuity. The annuity issuer promises to pay you an amount of money on a pe-riodic basis (e.g., monthly, yearly, etc). Each annuity payment is part nontax-able return of your investment in the contract and part payment of taxable accumulated earnings (until the invest-ment in the contract is exhausted).

*Guarantees are subject to the claims-paying ability of the issu-ing insurance company.

10 . march 2013 . 50 plus!

WI-5

0015

8680

5

STOPDon’t renew

that CD!

with a GBU* tax-deferred annuity.3% Minimum Guarantee.

Call today as rates may change at any time.

E&H Advisors, LLC920-783-6501 & 1-877-647-1075

*GBU Financial Life is a fraternal benefit society domiciled in PA.

Earn up to3.50%

Would you like unbiased help todetermine your Medicare Options?

Let Medicare Solutions of WI help you cut through the confusion!

If you are new to Medicare you probably have been receiving informationfrom many different companies on your various Medicare Options;

we can help you determine what is relevant for you

We specialize in:-Medicare Supplement Plans-Medicare Advantage Plans

-Medicare Prescription Drug Plans-Major Medical Insurance

We are local independent representatives who can analyze yourpersonal situation and help develop an individualized plan that

would meet your needs

For your free consultation call:920-783-6148 or 1-877-647-1077

Medicare Solutions of WI, LLCAshley Horst- Rodney Eissens- Dennis Haasl

815 S Taylor Dr.Sheboygan, WI 53081

Phone: 920-783-6148 or 1-877-647-1077Website: www.medicaresolutionsofwi.com

WI-5001620528

Together We’re Going Places!™ Go Lamers!™

Motor Coach Tours Throughout the US & CanadaNashville Music City

5 Days April 17-21$849 per person DBL

Virginia Military Tattoo8 Days April 24 -May 1$1,489 per person DBL

Holland Tulip Festival3 Days May 10-12

$579 per person DBL

Ohio Amish Back Roads & Buggies5 Days May 13-17

$879 per person DBL

North Carolina Coast: Kitty Hawk8 Days June 8-15

$1,359 per person DBL

American Discovery: MI & IN4 Days June 17-20

$629 per person DBL

Many other popular destinations availableincluding: Nashville, Canadian Rockies,Yellowstone & Grand Tetons, Utah Parks,

New York City & Much More!

2013 TRAVEL PLANNER Available NOW!Convenient Departure Points near YOU!For reservations, Call: (800) 236-8687

Visit our website: www.lamerstour.com

����� ��� ��� ���� ����������������������������������

�������������

WI-5001620655 ����� �������� ������ �������������� ����� � �������� ������ �������� ��� ������ ��������� ���������

Visit us today and learn moreabout these special services:

• Personal Medication Counseling• Daily Delivery• Prescription Compounding• Online Refills• Bubble Packaging• Automatic Refills with ourSmartFill Program

• One Price Plan–Get a Large Supplyof Your Medication and Save

Marv Moore, PharmDBrian Jensen, R.Ph., FACAKarl Schroeder, R.Ph.Joylyn Moore, PharmD

Hours: M-F 9 a.m. - 6 p.m.Sat 9 a.m. - 1 p.m.

50 plus! . march 2013 . 11

Success Story at KindredNursing and Rehabilitation -

North RidgeThis past September I was admitted to North Ridge Health Care Center for what I thoughtwould be some short term nursing care and rehab therapy following a laminectomy and spinalfusion. The nursing and therapy care was excellent and my short term plan seemed to goingsmoothly. I was in for a few surprises.

As a result of complications, I had the misfortune of developing blood clots in my legs and Isuffered a stroke. A stroke is a frightening experience for anyone but I was lucky. I was not aloneas Sheila, my therapists, stayed by my side while we waited for additional help to arrive. Afterrecovering in the hospital, I knew I wanted to return to North Ridge for the balance of my rehab.

Over the course of my stay I continued my occupational therapy sessions with Sheila and Alisonand my physical therapy with Becky. These wonderful therapists answered all of my questionsand concerns. I could see improvement everyday. The nursing staff, too many to mention,knew just how to handle the down days that I experienced which is common after a stroke. Thistalented team worked with me daily to redevelop my independent living skills.

I highly recommend the experienced team at North Ridge should you be considering a rehabstay after hospitalization. If it were not for their outstanding nursing and therapy teams I wouldnot be where I am today…at home!

JoanneM. GrieblingManitowoc Resident

1445 North 7th Street, Manitowoc, WI 54220920.682.0314 • 920.682.0553 fax • www.nrmrc.com

Dedicated to Hope, Healing and Recovery© 2011 Kindred Healthcare Operating, Inc. CSRWI-5001620649

Nursingand Rehabilitation

North Ridge

Learn more about our award-winning care at www.nrmrc.com

12 . march 2013 . 50 plus!

for comfort of skilled careDesigned for living with beautifully decorated and lovely gardens, Shady Lane offersskilled nursing care for short or long-term care, therapy services, social servicesand hospice care. Medicare and Medicaid Certified.

for the joys of home without the workFrom two bedroom apartments to single bedrooms with private bathrooms,Laurel Grove offers a variety of assisted living options to meet your needs.Enjoy the gardens, optional activities and care-free living. Starting atjust a month including meals!

for planning to get better . . .Recovering after an illness, joint replacement or surgery is a team effort. In fact,it could be called "Team You"! We offer physical, occupational and speech therapy,respiratory services, pain management and neurological, orthopedic and cardiacrehabilitation. Medicare and Medicaid Certified and some private insurances.In-patient or Out-patient Services.

Find out why people...

Think ofUsFirst

Manitowoc’s only not-for-profit citizen directed care facility.1235 South 24th Street • Manitowoc,WI • www.shadylaneinc.com • 920-682-8254

CommunityDedication -This year, as Shady Lane, Inc. celebrates sixty oneyears of quality care, we reflect on the dedication ofour board, our staff, our donors, our residents and

our community – all those we have servedthrough quality, affordable care.

Now Open!HFM Clinic

at Shady Lane

WI-5001620643

$1450OpeningsAvailable!