Experience - February 2015

FEBRUARY 2015 FREE NEWS FOR BOOMERS AND BEYOND

mentoring The Arc Fond du Lac clients through CEP programs; maintains fl eet of agency vehicles

Tim Lemke

INSIDE: Heart Health • Centenarian Secrets • Homestead Credit • Estate Records • Sky City • Retirement Planning

2 | EXPERIENCE ACTION PUBLICATIONS | FEBRUARY 2015

Exercise tips your heart will L VEBy Brandpoint Media

A regular exercise routine is an important component of heart health, yet less than

one-third of Americans get the mini-mum 30 minutes of daily exercise five days a week, as recommended by the American Heart Association (AHA). Nationally, as many as 250,000 deaths annually are attrib-utable to a lack of regular physical activity.

While exercise is important for everyone, regular aerobic activity can be critical to ensuring health-ier outcomes for cardiovascular patients. Even a little exercise goes a long way.

“Just 5-10 minutes of daily running, even at very slow speeds, can significantly lower the risk of mortality among cardiovascular patients,” says Ed Dannemiller, a specialist pharmacist in the Express Scripts Cardiovascular Therapeutic Resource Center. “Simply getting the recommended minimum amount of exercise can help reduce cardio-vascular events such as heart attack and stroke by 30-40 percent.”

Ed and his team counsel heart patients about the benefits of regu-lar exercise in addition to following the medication regimen and other lifestyle changes.

Regular exercise has many other benefits for your heart as well, including: strengthening the heart muscle, lowering blood pressure and cholesterol levels, gaining better control of one’s blood sugar and maintaining bone strength. Exercise can also help heart patients lose weight and lead more active lives without chest pain.

Precautions to minimize risks and prevent adverse reactions.● If you recently had a heart

surgery or procedure, experience chest pain or shortness of breath, recently had a heart attack, or have diabetes you should consult a physi-cian before beginning any exercise regimen.● If you are on beta blockers,

anti-arrhythmic drugs and calcium

Useful tips to keep in mind if you’re already on a work-out schedule:● Maintain a steady pace and rest

between workouts.● Do not exercise outdoors

in extremely humid, hot or cold temperatures. Extreme temps can make breathing difficult and cause chest pain. Try mall-walking instead.● In cold weather, cover your

nose and mouth when exercising outside.● Stay hydrated by drinking

water, even when you’re not feeling thirsty and especially on hot days.● Avoid overly cold/hot showers

or sauna baths after exercise.● Avoid exercising in hilly areas

because it may cause your heart to work too hard. Closely monitor your heart rate with your target rate in mind.● Stop exercising if you experi-

ence pain, dizziness, shortness of breath or excessive fatigue. Consult your physician.● Stop the activity in the event

of a rapid or irregular heartbeat. Check your pulse after 15 minutes of rest and consult your physician if the rate is still higher than 100-120 beats per minute.

A regular exercise routine, along with adherence to the medication regimen, can put you on the path toward better health. For more information, visit lab.express-scripts.com.

channel blockers, you may have a reduced heart rate and may expe-rience lower gains in heart rates when exercising. Medications such as the decongestant pseudoephed-rine, anti-depressants, and thyroid medications can increase exercise heart rate. It is important to know the right aerobic heart rate target to prevent overtraining or under-training your heart if you are on any of these medications.● If you are a cardiovascular

patient, high-intensity exercises such as push-ups, sit-ups and heavy lifting may not be recommended for you, so it’s a good idea to first speak with your physician.● You may also need to avoid

certain everyday activities that can overly affect the heart rate, such as

Good beginner exercises include walking, swimming and light jogging, especially if you have a cardiovascular condition.

raking, shoveling and mowing.● Walking, swimming and light

jogging are good beginning exer-cises if you have a cardiovascular condition.

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EXPERIENCE | 3FEBRUARY 2015 | ACTION PUBLICATIONS

By Brandpoint Media

One hundred years ago, the average American’s life expectancy was between

50 and 60 years, and so the esti-mated 53,000 centenarians in the United States today have lived much longer than most of their contemporaries. Perhaps that is why a new survey shows that these 100-year-olds feel “blessed” (36 percent), “happy” (31 percent) and “surprised” (12 percent) to have lived so long. Not one reports feeling sad or burdened; only 3 percent say they feel lonely.

For the past nine years, United Healthcare has conducted a survey of one-hundred 100-year-olds to gain insight into their lives. For its most recent 100@100 survey, the company also polled 65-year-old baby boomers to exam-ine how the attitudes and lifestyles of people entering their retirement years compare to those who hit that same age 35 years ago.

According to the study, one thing both groups agreed on is that they feel younger than their years. On average, the centenar-ians surveyed said they feel just 83 years old, while 65-year-old baby boomers said they feel 55 years old.

“It’s encouraging that older Americans feel more youthful than the number of candles on their

Secret 2: Get preventive care to Stay healthy

Older Americans are taking the saying “an ounce of prevention equals a pound of cure” to heart. Nearly 9 in 10 get an annual exam (87 percent of centenarians and 89 percent of baby boomers) with their primary care physician, and the majority also report getting eye exams regularly (71 percent of centenarians and 76 percent of baby boomers).

Secret 3: Maintain a poSitive attitude

Both centenarians and baby boomers say maintaining their physical health and a positive attitude are equally important to successful aging (66 percent and 81 percent, respectively). In fact, 82 percent of centenarians say laughing/having a sense of humor is important to healthy aging.

Perhaps the most important

birthday cake might suggest,” said Rhonda Randall, D.O., chief medical officer of UHC Retiree Solutions. United Healthcare serves more than a quarter of America’s centenarians through its Medicare plans. “By looking at how they are living their daily lives, we can glean important insights about the keys to staying healthy and feeling vibrant as we age.”

Secret 1: Keep up with exerciSe

Despite their age, centenar-ians stay active: more than half walk or hike and nearly a third do strength-training exercises. Some even run outdoors or play team sports every week (4 percent). Exercise is an important part of boomers’ lifestyle as well. Nearly three-in-four walk or hike each week, 37 percent do strength-train-ing exercises and 13 percent run outdoors or play team sports.

lesson revealed in the 100@100 survey findings is that living a long, healthy life is about more than just genetics. Daily habits and lifestyle choices can make a difference not only in how long people live but also in how they feel as they age.

For more information on how to stay healthy beyond 65, visit nihseniorhealth.gov. For complete 100@100 survey results, visit the news room on UHC.com.

By looking at how they are living their daily lives, we can glean important insights about the keys to staying healthy and feeling vibrant as we age.”

– Rhonda Randall, D.O., UHC Retiree Solutions

Centenarians reveal their secrets to a long, happy life

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February Calendar6 • THE BARLEY JACKS – 7 p.m. at the Thelma Sadoff Center for the Arts, 51 Sheboygan St. Masters of the fi ddle, guitar, bass, drum and vocals who meld their divergent backgrounds of blues, bluegrass, classical, Celtic, R & B and bebop. Admission charged.

7 • FOND DU LAC BREW FEST – 5 to 9 p.m. at the FDL County Fairgrounds Expo Center, 601 Martin Ave. Over 100 microbrews from across the globe and home brews for sampling. Local food vendors and live entertainment. Home brews will be featured as well as wines from around Wisconsin. Admission charged.

7, 14 • INDOOR FARMERS MARKET – 9 a.m. to 12:30 p.m. at 90 S. Main St. Variety of vendors and wares for sale.

7 • MOVIES AT THE MARSH: “HOOT” – 6:30 to 8:30 p.m. at Horicon Marsh Education & Visitor Center, N7725 Highway 28, Horicon. Rated PG, 91 minutes.

7 • CANDLELIGHT SKI/HIKE – 5:30 to 8:30 p.m. at Kettle Moraine State Forest - Northern Unit, N1765 County Trunk G, Campbellsport. Cross-country ski or hike by candlelight. No steep hills or sharp turns. Enjoy hot drinks and snacks at the bonfi re. The Zillmer shelter building and trails are located off County Road SS between Hwy 67 and County Road G near New Prospect.

10 • BOOKS BETWEEN BITES – 12:10 to 12:50 p.m. at Salem United Methodist Church, 120 Sheboygan St. “The

14 • WHO’S BEEN HERE? TRACKING ON SNOWSHOES: EXPLORING NATURE PROGRAM – 10 to 11:45 a.m. at Henry S. Reuss Ice Age Visitor Center, N2875 State Highway 67, Campbellsport. State Park vehicle sticker required. Identify and track winter animals and snowshoeing. If there is not enough snow, we will hike. To register, call (920) 533-8322 by Feb. 12. For families/groups with children over 8 years old.

15 • SNOWSHOE SUNDAY – 1 p.m. at Kiekhaefer Park, W4235 Kiekhaefer Pkwy. Join Earl and Carol Jewett for a guided winter exploration of the hilly trails at Kiekhaefer Park. A limited number of snowshoes may be reserved, courtesy of Attitude Sports. Register to participate or reserve snowshoes.

18 • SO WHAT’S THE TROUBLE WITH WORMS? – 7 p.m. at Gottfried Prairie and Arboretum, 400 University Dr. Wisconsin’s native earthworms were destroyed during our last ice age, and

Monuments Men: Allied Heroes, Nazi Thieves and the Greatest Treasure Hunt in History,” by Robert Edsel will be reviewed by Dr. Jon B. Gilliland. Bring a sack lunch, beverages will be available. Handicap accessible.

11 • LANDSCAPING FOR WILDLIFE – 7 p.m. at Moraine Park Technical College, 235 N. National Ave. As property manager/steward at Mosquito Hill Nature Center, Steve Petznick presents the use of native vegetation to deal with invasive and aggressive native plants. From trees to shrubs to vines and ground cover, he will provide options as well as practical installation tips.

12 • AN EVENING WITH NATURE WINTER STARS – 7 to 8:30 p.m. at

Henry S. Reuss Ice Age Visitor Center, N2875 State Highway 67, Campbellsport. Learn how to fi nd stars and constellations with your naked eye. Observe the winter stars with members of the Northern Cross Science Foundation (only if skies are clear). For ages 12 and older.

14 • LOVE IS IN THE AIR – 10 to 11 a.m., Horicon Marsh Education & Visitor Center, N7725 Highway 28, Horicon. Free snowshoe/hike. All ages are invited.

14 • MEET YOUR LOCAL FARMER – 10 a.m. to 2 p.m. at Vines and Rushes Winery, 410 County Trunk E, Ripon. Meet farmers producing artisanal, sustainably-produced local products.

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

February Calendar

WI-5001860596

Fond du Lac County Senior Dining MenuFEBRUARY 2

Chicken Marsala, Baked Potato, SpinachSalad with Hot Bacon Dressing, PearSlices, Fudge Brownie *, Sliced Bread

FEBRUARY 3

Escalloped Potatoes and Ham Casserole,Baby Carrots, Oatmeal Raisin, Cookie,

Applesauce *, Onion Rye Roll

FEBRUARY 4

Chopped Steak in Burg/Mush Sauce,Mashed Potatoes, Corn, Fruit Gelatin, Ice

Cream Cup *, Sliced Bread

FEBRUARY 5

Hawaiian Meatballs, Baby Red Potatoes,Summer Blend Veg., Birthday Cake, Plum

Halves *, Dinner Roll

FEBRUARY 6

Roast Turkey, Mashed Potatoes, GreenBeans, Petite Banana, Cinnamon Roll *,

Sliced Bread

FEBRUARY 9

Pepper Steak, Au Gratin Potatoes, Peas andCarrots, Choc. Rasp. Torte, Applesauce *,

Sliced Bread

FEBRUARY 10Baked Chicken, Twice Bk Style Pot., ThreeBean Salad, Peach Slices, Vanilla Pudding*,

Dinner RollFEBRUARY 11

Cranberry Glazed, Pork Cutlet, BakedPotato, Baby Carrots, Applesauce Cake,

Fruit Cocktail *, Sliced BreadFEBRUARY 12

Liver and Onions, Sour Cream and ChivePotatoes, Winter Blend Veg., Apricot Halves,

Cookie *, Dinner RollFEBRUARY 13

Roast Pork Loin, Mashed Potatoes, RedCabbage, Sweetheart Cake, Honeydew

Melon*, Sliced BreadFEBRUARY 16

Salisbury Steak, Mashed Potatoes, Corn,Fruited Gelatin, Choc. Pudding *, Sliced

BreadFEBRUARY 17

Baked Spaghetti, Mixed Italian Salad, PearSlices, Frosted Cake*, French Bread

FEBRUARY 18Salmon Loaf, Baked Potato, Green Beans,

Choc. Rasp. Torte, Apple Slices *,Sliced Bread

FEBRUARY 19Glazed Ham, Sweet Potato Bake, BroccoliCuts, Pineapple Tidbits, Rasp. Sherbet*,

Dinner RollFEBRUARY 20

Crispy Fish Fillet, German Pot. Salad, Peasand Carrots, Sugar Cookie, Fruit Cocktail *,

Sliced BreadFEBRUARY 23

Chicken Breast, Mashed Potatoes, Calif.Blend Veg., Butterfinger Torte,Applesauce*, Sliced Bread

FEBRUARY 24Meatloaf, Baked Potato, Wax Beans,Cantaloupe Slice, Cookie *, Dinner Roll

FEBRUARY 25Baked Chicken, Twice Bk Style Pot.,Pickled Beet Salad, Tapioca Pudding,Seedless Grapes *, Sliced Bread

FEBRUARY 26Meatballs in Honey Mustard Sauce, BabyRed Potatoes, Carrots, Poppy Seed Torte,

Peach Slices*, Dinner RollFEBRUARY 27

Macaroni and Cheese Cassole, TossedSalad, Green Beans, Mand. Orange Gel.,

Frosted Cake*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.


14 • WHO’S BEEN HERE? TRACKING ON SNOWSHOES: EXPLORING NATURE PROGRAM – 10 to 11:45 a.m. at Henry S. Reuss Ice Age Visitor Center, N2875 State Highway 67, Campbellsport. State Park vehicle sticker required. Identify and track winter animals and snowshoeing. If there is not enough snow, we will hike. To register, call (920) 533-8322 by Feb. 12. For families/groups with children over 8 years old.

15 • SNOWSHOE SUNDAY – 1 p.m. at Kiekhaefer Park, W4235 Kiekhaefer Pkwy. Join Earl and Carol Jewett for a guided winter exploration of the hilly trails at Kiekhaefer Park. A limited number of snowshoes may be reserved, courtesy of Attitude Sports. Register to participate or reserve snowshoes.

18 • SO WHAT’S THE TROUBLE WITH WORMS? – 7 p.m. at Gottfried Prairie and Arboretum, 400 University Dr. Wisconsin’s native earthworms were destroyed during our last ice age, and

the forests of Wisconsin as we know them evolved without earthworms. Learn how with the introduction of nightcrawlers and other earthworms, the disturbed soil is causing a decrease in the diversity of plant and animal relationships.

19 • PURSAPALOOZA 2015 – 5:30 p.m. at Marian University, 45 S. National Ave. Wearable art, hand-made purses and one-of-a-kind jewelry. Live and silent auctions of unusual eclectic and hand-made purses, jewelry and wearable art. Live jazz music.

20 • TOUR THE TOWN ART WALK – 5 to 8 p.m. in downtown Fond du Lac. All manner of artists — from painters, to jewelry makers, to mixed media artists, to cheese artisans, and every medium in between — with their wares for purchase. Visit tourthetownfdl.com.

20 • CANVAS, COLORS & TEXTURES EXHIBIT – 5 to 8 p.m. at Share Fine Art Galleries, 228 S. Military Road.

Gallery hours 1 to 8 p.m. Thursday through Saturday, and 1 to 5 p.m. Sundays. Show will hang through March. 15. Featured painter is Matthew Chapman.

27 SWITCHBACK – 7 p.m. at Thelma Sadoff Center for the Arts, 51 Sheboygan St. Brian FitzGerald and Martin McCormack entertain with their unique Celtic soul blend of mandolin, guitar and bass.

28 • BENEATH THE SNOW – 10 to 11 a.m. at Horicon Marsh Education & Visitor Center, N7725 Highway 28, Horicon. Free morning snowshoe/hike. All ages are welcome.

28 • CELEBRATE COMMUNITY – 11 a.m. to 4:30 p.m. at FDL County Fairgrounds Recreation Building, 541 Martin Ave. Multicultural event featuring family fun, entertainment, ethnic food, and information booths from over 30 countries. Crafts, music, dance presentations, children’s activity area. Admission charged.

Dance LessonsFond du Lac Senior Center 151 E. First St. Mondays, 7 to 9 p.m.

Eagles Club 515 N. Park Ave. Thursdays, 7 to 9 p.m.

Beginner lessons at 7 p.m., intermediate at 8 p.m. Charge for lessons, styles change monthly, no partner required.

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Story by Lois A. Pfl um | /cover photos by Doug Rafl ik/Action Reporter Media


Tim Lemke: Arc sta� , clients like family to ‘jack-of-all-trades’ who mentorsin Community Enrichment Program plus maintains fl eet of agency vehicles

6 | EXPERIENCE

Fond du Lac native, Tim Lemke, 56, compares spending time with The Arc Fond du Lac staff and clients almost like spending time with

family. The Arc Fond du Lac is located on North Park Avenue near Lakeside Park. It is a non-profi t agency that provides care and advocacy to Fond du Lac area adults and youth with disabilities, in the Fond du Lac area.

He explained, “We’re a close-knit group — really a tight-knit bunch,” as he describes the mutual rapport and comfort he feels with his co-workers and others when he is at work.

Tim graduated from Goodrich High School in 1977 and attended Moraine Park Technical Institute (MPTI), now known as Moraine Park Technical College (MPTC), where he took accounting classes. He then worked as a manager for the Erickson gas station, located on North Main and Cotton Streets for about eight years. He noted, “It’s still there.”

Married to Mona in 1985, they are parents to Heather and T.J., and grandparents to Rhylee and Brooklyn. They share their home with a trio of friendly golden retrievers who go by “Bear,” “Cheeta” and “Daphy.”

Tim began working in the transportation department at The Arc in October of 2013 and has proved to be a very good fi t, both for him and The Arc. He noted that his wife, Mona, who already had been employed by The Arc as a caretaker at their adult homes for some time, had mentioned to Tim that there was a work position open.

He had already been working part-time in the

demands of his job.When it comes to maintenance, Lemke services

and maintains 27 vehicles for The Arc and keeps them in tip-top running condition for the drivers who transport clients to-and-from work and job sites. He performs brake repairs, routine maintenance, checks the oil, transmission fl uid, antifreeze and windshield wipers. He puts air in the tires, jump-starts vehicles if necessary, and repairs any other electrical problems that the vehicles may have.

Not a small feat by any means. Tim joked, “Most of the time the cars do start.” He considers it all just a part of his job. With a very large key ring, Lemke holds a set of keys to each of the 27 vehicles, and can easily identify and account for each vehicle.

There is a two-stall

David Boelter, executive director of The Arc Fond du Lac, right, presents Tim Lemke with a certifi cate of appreciation. Lemke is responsible for the Arc vehicle maintenance and works C.E.P. clients where he facilitates activities such as bowling and computer club. SUBMITTED PHOTO

Top: Tim Lemke explains to clients and sta� how eating healthy has positively a� ected his life. Bottom: Tim Lemke helps clients Mark and Andrea during a healthy living class. SUBMITTED PHOTOS

food service industry at Marian University, for about six years. He applied at The Arc and was hired. When asked what his job title is at The Arc, he quickly replied, “van driver,” then added “maintenance man,” and jokingly added, “whatever.”

When asked if he considers himself an all-around handy man, he again jokingly replied, “yah, I do whatever they ask me to.” He added, “I also work in the Community Enrichment Program (C.E.P.).” He explained, “We help clients integrate into society.” Tim continued to explain different segments of the program. “Our clients range in age from 18 years and up. Probably our youngest client at this time is age 20 — and the oldest in the program is age 82. We teach them how to cook, including nutrition classes and healthy eating. We play bingo, go bowling, play bocce ball (in the summer), and teach them computer skills in our computer clubs. We even have a fi tness club.”

Lemke was asked what his favorite part of his work-week is. He answered quickly, “Probably the C.E.P.” He reiterated, “We’re really close and there is always a lot of ribbing going on, especially during the football season when the Packers play. At the time of this interview, the Packers are getting ready for the playoffs and there is a lot of hype at The Arc.”

It’s obvious that Tim is well-respected and appreciated by the staff. Even though he was hired as a van driver and maintenance man, he has a lot energy to share and enjoys all the other

antifreeze and windshield wipers. He puts air in the tires, jump-starts vehicles if necessary, and repairs any other electrical problems that the


WI-5001867732

(920) 929-3466www.fdlco.wi.gov/ADRC

[email protected]

Providing information andassistance to the aging and disabledresidents of Fond du Lac County

OF FOND DU LAC COUNTY50 N PORTLAND ST

FOND DU LAC, WISCONSIN 54935

Plans forthe 2015

Stepping Onfall preventionclasses are

being finalized,watch thisspot for

future news. WI-5001868879

2015 Transportation ServicesFond du Lac County Department of Senior Services

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

garage on The Arc premises — and that helps on cold days. During winter, he makes sure the vehicles are fi lled up with gas and are cleared of snow — ready to go when needed. All this can be a full-time job in itself, not to mention Lemke’s involvement in the C.E.P. But you’ll never hear

Tim complaining. Even though Tim usually puts in a 40-hour work week, he is also on-call and can be reached via cell phone in any emergency.

Lemke’s favorite pastime includes “usually messing around on a

computer, or taking my kids and grandkids on short trips.” Both

are relaxing to him.When asked what a

future goal of his might be, he replies, “to own my own computer business someday when I retire.”

ABOVE/BELOW: Tim Lemke performs maintenance checks on fl eet of Arc Fond du Lac vehicles.

Story by Lois A. Pfl um | Page 6/cover photos by Doug Rafl ik/Action Reporter Media


Tim Lemke: Arc sta� , clients like family to ‘jack-of-all-trades’ who mentorsin Community Enrichment Program plus maintains fl eet of agency vehicles

6 | EXPERIENCE

Fond du Lac native, Tim Lemke, 56, compares spending time with The Arc Fond du Lac staff and clients almost like spending time with

family. The Arc Fond du Lac is located on North Park Avenue near Lakeside Park. It is a non-profi t agency that provides care and advocacy to Fond du Lac area adults and youth with disabilities, in the Fond du Lac area.

He explained, “We’re a close-knit group — really a tight-knit bunch,” as he describes the mutual rapport and comfort he feels with his co-workers and others when he is at work.

Tim graduated from Goodrich High School in 1977 and attended Moraine Park Technical Institute (MPTI), now known as Moraine Park Technical College (MPTC), where he took accounting classes. He then worked as a manager for the Erickson gas station, located on North Main and Cotton Streets for about eight years. He noted, “It’s still there.”

Married to Mona in 1985, they are parents to Heather and T.J., and grandparents to Rhylee and Brooklyn. They share their home with a trio of friendly golden retrievers who go by “Bear,” “Cheeta” and “Daphy.”

Tim began working in the transportation department at The Arc in October of 2013 and has proved to be a very good fi t, both for him and The Arc. He noted that his wife, Mona, who already had been employed by The Arc as a caretaker at their adult homes for some time, had mentioned to Tim that there was a work position open.

He had already been working part-time in the

demands of his job.When it comes to maintenance, Lemke services

and maintains 27 vehicles for The Arc and keeps them in tip-top running condition for the drivers who transport clients to-and-from work and job sites. He performs brake repairs, routine maintenance, checks the oil, transmission fl uid, antifreeze and windshield wipers. He puts air in the tires, jump-starts vehicles if necessary, and repairs any other electrical problems that the vehicles may have.


There is a two-stall

David Boelter, executive director of The Arc Fond du Lac, right, presents Tim Lemke with a certifi cate of appreciation. Lemke is responsible for the Arc vehicle maintenance and works C.E.P. clients where he facilitates activities such as bowling and computer club. SUBMITTED PHOTO

Top: Tim Lemke explains to clients and sta� how eating healthy has positively a� ected his life. Bottom: Tim Lemke helps clients Mark and Andrea during a healthy living class. SUBMITTED PHOTOS

food service industry at Marian University, for about six years. He applied at The Arc and was hired. When asked what his job title is at The Arc, he quickly replied, “van driver,” then added “maintenance man,” and jokingly added, “whatever.”

When asked if he considers himself an all-around handy man, he again jokingly replied, “yah, I do whatever they ask me to.” He added, “I also work in the Community Enrichment Program (C.E.P.).” He explained, “We help clients integrate into society.” Tim continued to explain different segments of the program. “Our clients range in age from 18 years and up. Probably our youngest client at this time is age 20 — and the oldest in the program is age 82. We teach them how to cook, including nutrition classes and healthy eating. We play bingo, go bowling, play bocce ball (in the summer), and teach them computer skills in our computer clubs. We even have a fi tness club.”

Lemke was asked what his favorite part of his work-week is. He answered quickly, “Probably the C.E.P.” He reiterated, “We’re really close and there is always a lot of ribbing going on, especially during the football season when the Packers play. At the time of this interview, the Packers are getting ready for the playoffs and there is a lot of hype at The Arc.”

It’s obvious that Tim is well-respected and appreciated by the staff. Even though he was hired as a van driver and maintenance man, he has a lot energy to share and enjoys all the other

antifreeze and windshield wipers. He puts air in the tires, jump-starts vehicles if necessary, and repairs any other electrical problems that the


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[email protected]

Providing information andassistance to the aging and disabledresidents of Fond du Lac County

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FOND DU LAC, WISCONSIN 54935

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2015 Transportation ServicesFond du Lac County Department of Senior Services

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

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Senior Dining & Mobile Meals (60+ years of age) 929-3937

garage on The Arc premises — and that helps on cold days. During winter, he makes sure the vehicles are fi lled up with gas and are cleared of snow — ready to go when needed. All this can be a full-time job in itself, not to mention Lemke’s involvement in the C.E.P. But you’ll never hear

Tim complaining. Even though Tim usually puts in a 40-hour work week, he is also on-call and can be reached via cell phone in any emergency.

Lemke’s favorite pastime includes “usually messing around on a

computer, or taking my kids and grandkids on short trips.” Both

are relaxing to him.When asked what a

future goal of his might be, he replies, “to own my own computer business someday when I retire.”

ABOVE/BELOW: Tim Lemke performs maintenance checks on fl eet of Arc Fond du Lac vehicles.


By Isabell M. Mueller, attorney

After you pass away, your surviving family members will need to gather up all of your personal and fi nancial records in order

to settle your affairs. By keeping good records, you are doing both yourself and your loved ones a favor. Your fi ling system doesn’t need to be elaborate, just organized.

It is not necessary to give these documents to anyone during your lifetime, but your family must be able to locate them easily in the event of your death. The information should also be kept reasonably current. Further, if you maintain important information on your computer, or have social media accounts, leave instructions regarding login and password information. Not having this information can cost your grieving family.

In addition to the loss of you, your family may lose out fi nancially if they do not know what assets you had. Millions of dollars go unclaimed every year in bank accounts and insurance policies. Maintaining organized personal and fi nancial information is one of the best gifts you can give your family.

FUNERAL & ESTATE PLANNING

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What does your family need to settle their a� airs?

Organized Information

● Funeral instructions and prepaid funeral contracts

● Last will and testament

● Revocable/living trust agreements

● Prenuptial/postnuptial agreements

● VA fi le number, military discharge papers

● Birth certifi cate and death certifi cate

● Marriage license or divorce decree

● Medicare card/health insurance card

● Bank statements, checkbooks, check registers, certifi cates of deposit

● Safe deposit rental agreement and keys

● Deeds, mortgages, leases, homeowner’s insurance information

● Stock and bond certifi cates and account statement

● Pension, IRA, retirement statements

● Life insurance policies or statements

● Last income tax return/current employment information

● Documentation regarding any debts, such as auto loans or credit cards

Personal and fi nancial records your family will need access to:

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Important steps for Marketplace enrolleesBy Julie A. Hilbert, senior benefi t specialist

Mary Agnes Cary recently published a very helpful fi ve step checklist on

Kaiser Health News for new and already enrolled individuals looking at Marketplace insurance. The relevant portions of the article are below and can also be found on KaiserHealthNews.org.

SHOP AROUNDJust because you’re enrolled

in a policy now doesn’t mean it’s the best deal for you next year. If you’re currently in the federal Marketplace and don’t take any action, you’ll be re-enrolled in the same plan you’re in now. Federal offi cials, as well as many analysts, are urging consumers to go back to the exchanges to compare plans and prices. You might discover that you have more — or different — choices than you had a year ago.

DON’T GET BILLED TWICEInsurers have expressed concerns

that if a consumer changes plans, problems with the federal website might keep insurers from learning of the change and consumers could get billed for both plans. Keep your proof of payment to answer any billing questions. Further, once you’ve cancelled the old policy, watch your credit card statements or, if the payment was deducted directly from a bank account, watch those charges to make sure you aren’t paying for two policies. And don’t cancel your current insurance until you have confi rmation from your new carrier that you’re covered.

FIND OUT IF YOU QUALIFY FOR FINANCIAL HELP

Enter your most up-to-date income information on healthcare.gov or with your state exchange to see if you are entitled to receive a tax credit toward the cost of your

health insurance. Even if you are like the majority of those enrolling in marketplace plans who receive a subsidy, update your income to make sure you get the correct amount next year. This is important because if you get too much of a subsidy, you’ll have to repay it when you fi le your taxes the following year.

KNOW ALL COSTSIt’s not just the monthly premium

that will cost you. Understand a policy’s out-of-pocket costs — like co-pays, co-insurance, and deductibles — before you enroll. The health law allows out-of-pocket maximum caps of $6,600 for an individual policy and $13,200 for a family policy in 2015, but some of your health care expenses — including out of-network care — might not be included in that cap.

● Work with a local insurance agent or broker.

● Find one of the law’s trained navigators or assistors.

● Call the federal consumer assistance center at (800) 318-2596 for extra help or to fi nd out if you eligible for a subsidy. Folks there can also help you enroll in a health plan or in Medicaid — the federal-state program for low-income people — if you qualify.

Need Help?The clinics will be presented by Julie Hilbert, benefi t specialist for Fond du Lac County. Bring 1099s from Social Security, banks, pensions, and any other statements of income and a copy of your property tax bill or a completed rent certifi cate. If you are unable to make it to one of the clinics, call (920) 929-3521 to schedule an appointment.

● Feb. 2, 12:30 to 3:30 p.m., Riverview Apartments, 101 Western Ave., Fond du Lac● Feb. 3, 10 to 11:30 a.m., Grand Court Apartments, 630 W. Arndt St., Fond du Lac● Feb. 3, 12:30 to 3:30 p.m., Westnor Apartments, 653 W. Arndt St., Fond du Lac● Feb. 4, 10:30 to 11:30 a.m., Heather Meadows, 235 Winnebago St., North Fond du Lac● Feb. 4, 12:30 to 1:30 p.m., Northgate Apartments, 350 Winnebago St., North Fond du Lac● Feb. 5, 9:30 to 11:30 a.m., Waupun Senior Citizens Center, 301 E. Main St., Waupun (Fond du Lac County residents only)● Feb. 9, from 10:30 to 11:30 a.m., Ripon Senior Center, 100 E. Jackson St., Ripon● Feb. 10, 1 to 2 p.m., 163 E. Main St., Campbellsport

Homestead Credit ClinicsFree Homestead Tax Clinics for Fond du Lac County residents who are 60 years of age or older

See Word Search answers on page 12

Wisconsin Homestead CreditBy Julie Hilbert, senior benefi t specialist

The Wisconsin Homestead Credit is a tax benefi t for renters and homeowners

with low or moderate incomes. It is designed to lessen the impact of rent and property taxes. Property taxes do not need to be paid before fi ling for Homestead Credit.

Qualifying persons can get back some or all of their state taxes with-held during the year. Household income that is reported includes all income for tax purposes plus certain non-taxable income. Non-taxable income includes gross Social Security, SSI, Railroad Retirement, pensions, IRA income and income from investments, etc.

You have until April 15, 2019 to fi le for your 2014 homestead credit, and after April 16, 2015, you can receive credit back to 2011. The maximum amount of Homestead

Credit is $1,160. Expect to wait 6 to 10 weeks for the payment from the time it is submitted.

To check up on payments you can visit the department’s website at dor.state.wi.us. Other assistance is available by calling the Madison offi ce at (608) 266-8641.

To qualify for Homestead credit you must:

● Be a legal Wisconsin resident for all of 2014

● Have a household income less than $24,680

● Be an owner or renter of the homestead during 2014

● Not be claiming farmland pres-ervation credit for 2014

● Not be living in a nursing home and receiving medical assistance

● No claim may be fi led on behalf of a person after his or her death

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continued on page 12

By Brandpoint Media

When is the last time you checked in on your retirement plan? A month? A year? Can you even remember? If you

can’t, you’re not alone. Many people find the idea of reviewing their retirement plan intimidating, so they put it off. You can’t avoid reviewing your plan forever, though, and there are some real benefits to doing so right now.

“Many people put off looking at their retirement plan because they think they don’t have the time or the expertise to do it effectively,” says Sandra Cullen, a Boston-based wealth management advi-sor with financial services company TIAA-CREF. “But there are some simple ways you can have a real, positive effect on your retirement plan with-out spending more than half an hour.”

Visualize THe FuTuReBefore you focus on the numbers, start with

the dreams. Take 10 minutes to think about what

your retirement will look like. Do you plan to travel the world or stay close to home so you can

Learn how you can help your retirement plan in just 30 minutes

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On a recent trip to New Mexico, I revisited Acoma Pueblo “Sky City,” a United States national historic landmark located

on a mesa 60 miles west of Albuquerque — and a fascinating place to visit! Acoma Pueblo means “People of the White Rock” and Pueblo is Spanish for “village or town.” On top of the mesa is a village of people who have lived there continuously since the 13th century.

As you drive towards Acoma, everything is fl at and desert, and then from a distance a spectacular rock formation rises 365 feet up out of the desert. It truly took my breath away!

I stopped to look at jewelry and pottery being sold by a few native people. A woman began to share the history of Sky City with me. She explained she belonged to the Bear Claw clan and the women own the property and children are named after the mother’s lineage, but men have the leadership of the pueblo.

These women owned houses on top of the mesa but did not live there in winter, there is no

By Valerie Graczyk, Someday Travel

electricity, running water or sewage disposal. The three-story apartment-style buildings face south and are made of adobe brick, and ladders are used to enter the buildings with no windows. About 30 people live there permanently. In the 1950s, a road was blasted into the rock face to

allow for cars to drive up to the mesa.Tourists can take a van ride up to Sky City

and enjoy a tour led by an Acoma native. In 2008, The Sky City Cultural Center, which includes the Haak’u Museum, was opened. It is well worth a visit.

Central Plaza in Acoma Pueblo, New Mexico. GETTY IMAGES

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Answers from page 9

focus on hobbies and family? Statistically, retired households spend about 80 percent of what they did during their working years, but your retire-ment plans could affect that figure.

Determine what retirement looks like for you:● Track your retirement savings.● Determine how much money you may need

now to generate an adequate paycheck later.● Determine how long it will take you to reach

your goal.You can also adjust the calculator’s retirement

date and/or amount until you find the figure that works for you.

INCREASE SAVINGSSpend five minutes paying attention to the little

things. If you’re not where you need to be in your retirement preparations, consider saving a little more each month. Even the smallest increase can have a big impact when compounded with interest.

For example, by adding just $25 more a week to your contribution, you could earn an additional $46,000 in retirement savings over 20 years at 6 percent return.

TRAdITIoNAl IRA oR RoTh IRA?Consider which IRA is right for you for five

minutes. They both have their benefits, but which

is right for you? You can contribute $5,500 to your IRA annually, $6,500 if you’re 50 or older. Traditional IRAs are taxed when the money is withdrawn, while Roth donations are not tax de-ductible when you contribute. And, Roth IRAs have income limitations.

INVESTMENT STYlEAnalyze your risk tolerance for 10 minutes.

Every investor has their own risk tolerance and understanding yours is important when you’re trying to determine what investment plans are right for you. While investing aggressively could lead to higher returns in the long run, some in-vestors don’t want to deal with the ups and downs along the way. On the other hand, a more conser-vative approach ensures your money will grow; that growth, however, may not keep pace with inflation. Many investors opt for a mix of both, based on risk tolerance and financial needs.

By spending just 30 minutes and completing each of these steps, you can have a better under-standing of where your retirement plan stands and what you can do to improve it. And this process has probably raised a few questions as well. To get your questions answered and find the information you need, it’s best to meet with a pro-fessional financial advisor. Your advisor can help

you use the 30 minutes that you spend thinking about retirement to create the financial founda-tion for the 30 years you may enjoy in retirement.

Retirement Plan, from page 10

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Experience - February 2015

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