50 plus - jan 2012

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FEATURE STORY:

Born to swimY aquatics coordinator Began at earlY age

6

tHings to do 2

SAAvY SEniOR: affordaBle financial advice 3 adrc: seniorcare waiver extended 4

FinAnCiAL COLUMn: wHat kind of investor are You? STEvE FORd 9

HEALTH COLUMn: ‘12 daYs’ of tHe new Year STACEY SOELdnER 10

Oral Storytelling Preserves History

THinGS TO dO 2

SAAvY SEniOR: Affordable Financial Advice 3

AdRC: SeniorCare Waiver Extended 4

On the Cover: BORN TO SWIM 6-7 Janet Schultz, 60, aquatic coordinator at the Y in Manitowoc, swims laps in the pool during the master swim team practice. Schultz has won numerous master swim meets and has been swimming since age 6. Sue Pischke/50 Plus

FinAnCiAL COLUMn: What kind of investor are you? Steve Ford 9

HEALTH COLUMn: ‘12 days’ of the new Year Stacey Soeldner 10

Staff Pat Pankratz, 50 Plus! Editor 920-686-2138 [email protected]

James Maurer, Advertising Manager 920-684-4433 [email protected]

50 Plus! is published monthly by the Herald Times Reporter. it also is distributed to select businesses in Manitowoc County.

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THinGS TO dOdec. 31NeW YeaR’S eve UNdeR The “BIg TOp” — Manitowoc-Two Rivers YMCA, Fun filled evening of games, food, prizes, swimming, music and a magician. For all ages! new Year’s countdown and balloon drop starts at 8 p.m. (920) 682-0341

Jan. 7MaNITOWOC’S eveRgleaM TReeS — Manitowoc County Heritage Center. Jerry Waak, former vice president of sales for the Aluminum Specialty Company, will share the behind-the-scenes story of the origin of the aluminum Christmas tree. Talk will be followed by a catered meal, 5:30 to 7 p.m. Preregistration required. Contact Amy Meyer, (920) 684-4445

Jan. 14RUMMage-a-RaMa — Manitowoc County Expo. A community rummage sale that will include baked goods, pictures, clothing, antiques, games and more; 8:30 a.m. to 2:30 p.m. (920) 683-4378

Jan. 21UW-MaNITOWOC lakeShORe WINd eNSeMBle & The lakeShORe BIg BaNd —Capitol Civic Centre, From Broadway and on to the Silver Screen featuring “Sound of Music,” “Jesus Christ Superstar,” “Beauty and the Beast” and many more. 7:30 p.m.; (920) 683-2184

SNOWShOe hIke — Woodland dunes nature Center.Explore winter ecology on this guided hike to the West Twin Rivers. Some shoes are available to rent.Call to reserve shoes and spot, (920) 793-4007

Jan. 22TRaIN aNd TRaCTOR FaMIlY SUNdaY — Point Beach Energy Center. Model (toy) trains and tractors on display and for sale, train and tractor story time every half-hour and children’s play area. Free. (920) 755-6400 or 800-8808463

Jan. 28The CaShORe MaRIONeTTeS: lIFe IN MOTION — Capitol Civic Centre. A collection of engaging pieces encompassing a broad range of themes. 3 and 7 p.m. (920) 683-2184

director michael arendt will lead the uw-manitowoc lakeshore wind ensemble and lakeshore Big Band in its Jan. 21 concert, featuring music from Broadway and the silver screen, at the capitol civic centre. 50 Plus file photo

2 . January 2012 . 50 plus!

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Affordable Financial Advice AvailableDear Savvy Senior:

Can you recommend any resources that provide affordable, one-shot financial advice for folks on a budget? I’m about six years from retirement and would like a quick financial checkup and get a few questions answered, but I don’t want to pay an ongoing financial advisor to manage my money.

Seeking Advice

Dear Seeking:

There are actually a number of services you can turn to for occasional financial and investment advice without tying yourself down or spending a fortune. Here are several to check out.

Fee-Only Advisors: If you only want a one-time financial checkup, have a few financial questions you need answered, or are looking for some occasional investment advice, a fee-only financial advisor with a certified financial planner (or CFP) certification is one of your best options. The CFP certification serves as the gold standard for personal financial planning, and fee-only advisors charge on an hourly basis, versus advisors who earn a commission by selling you financial products.

A great place to find fee-only advisors is at the Garrett Planning Network, which offers the

Jim Miller

services of 300 independent advisers nationwide. At garrettplanningnetwork.com (or call 866-260-8400) you can locate an advisor in your area, hire one, and get an hour or two of advice either over the phone or in person. There’s no minimum income or net worth requirements you’ll need to meet to get help. And you can use this service for a one-time engagement, as well as for periodic or ongoing financial advice. The cost for a Garrett advisor ranges between $180 and $300 per hour.

You can also find fee-only advisors through the National Association of Personal Financial Advisors website, which lists 1,400 accredited advisers at napfa.org.

Other Services: Another convenient service you should know about is My Financial Advice (myfinancialadvice.com), which provides hourly advice via phone or email. You select the topics you want help with, like retirement planning, investing, insurance, employee benefits, debt management and more, and then choose a financial planner who is standing by to answer your question. This is great for one-shot questions and second opinions. The cost for this service averages $150 per hour, but simple questions can be answered

for less.

If you’re looking for help with your 401(k), 403(b), 457 plan, federal Thrift Savings Plan or SEP IRA, a company called Smart 401k (smart401k.com, 877-627-8401) is worth a look. They provide personalized investment advice either over the phone or online based on the funds available in your retirement plan. The cost is $200 per year.

And for do-it-yourself investors, Financial Engines (financialengines.com, 888-443-8577) is an online company that offers investment advice for retirement accounts, including guidance on employee stock options for $150 a year. Or you can get comprehensive investment advice that includes non-retirement accounts for $300 per year.

Free Services: If you’re an AARP member, you can now get a free financial consultation through a new

Affordable Finance continued on page 11

50 plus! . January 2012 . 3

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ExtendedBy JUDY RANK| for 50 Plus!

The year 2011 is quickly coming to an end. Hopefully everyone had a nice Christmas and is looking forward to the new year, hoping that it brings good health and exciting opportunities for everyone.

Many individuals asked about the future of SeniorCare during the Part D open enrollment, which ended Dec. 7. There is good news as Gov. Walker authorized the Secretary of the Department of Health Services (DHS), Dennis Smith, to request a federal extension of Wisconsin’s SeniorCare waiver. The current waiver is slated to expire on Dec. 31, 2012. Expressing your appreciation to the governor for this action will help ensure the future of SeniorCare.

Volunteers SoughtManitowoc County is looking for volunteers to become trained to co-facilitiate its Living Well with Chronic Conditions program. The state will be providing the necessary four-day training in Brown County at

the Oneida Elder Services, 2907 S. Overland in Oneida on Feb. 9, 10, 16 and 17. There is no cost to become trained.

For those of you unfamiliar with the program, Living Well with Chronic Conditions is an evidence-

based prevention program. It is a community-based workshop that meets for 2-1/2 hours, once a week, for six weeks, in community settings such as senior centers, churches, libraries and hospitals. People with different chronic health problems attend together. Workshops are facilitated by two trained leaders, one or both of whom are non-health professionals with a chronic disease themselves.

Subjects covered include techniques to deal with problems such as frustration, fatigue, pain, and isolation; appropriate exercise for maintaining and improving strength, flexibility, and endurance; appropriate use of medications; communicating effectively with family, friends and health professionals; nutrition; and how to evaluate new treatments.

Classes are highly participative. Mutual support and success build the participants’ confidence in their ability to manage their health and maintain active and fulfilling lives. The program was developed at Stanford University and has proven to reduce ER visits and

hospitalizations and improve overall health and health behaviors.

Those interested in the training may contact the Aging and Disability Resource Center at (920) 683-4180. Those interested in participating in a six-week workshop may also contact the ADRC and ask to be placed on the waiting list for the next available class.

New NameThe ADRC has been working with Kewaunee County the last 12 months in an effort to extend services into Kewaunee County. On Jan. 3, 2012, the ADRC will be offering services to the elderly, physically disabled, and developmentally disabled populations of both counties and will become known as the ADRC of the Lakeshore.

The current ADRC at 4319 Expo Drive in Manitowoc will continue to serve as the office headquarters for the agency. A second office will be located on the corner of 810 Lincoln St. in Kewaunee. Two information and assistance specialists and a part-time disability benefit specialist will staff the Kewaunee office. Individuals from the two counties will be able to obtain services at either location. The phone number to reach the ADRC is 1-877-416-7083. Services for Manitowoc residents will continue as they have since it became an ADRC in 2006.

SeniorCare WaiverAdRC:


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The ADRC will be looking at ways to improve the services to the elderly population. Focus groups and other opportunities to meet with seniors in both counties will help the Older Americans Act programs identify what services are working well in both counties, what services need to be enhanced and how services may need to be revised to meet the needs of the retiring baby boomers. Senior input will help to write the 2013 State plan and ensure that quality services are provided by both counties.

Arthritis ToolkitsThe ADRC has been given two Arthritis Toolkits to lend to individuals who are dealing with the pain of arthritis. Individuals may check out the kit for up to a two-month period. The kit includes material on how to deal with the pain and exercises that can reduce some of the pain. The Arthritis Foundation has developed this toolkit and is looking for individuals to use it and provide feedback on its value to them. Those who do try the kit will receive either

a first aid kit or a relaxation tape from the foundation for trying the materials. Please contact the ADRC at (920) 683-4180 if you are interested in the kit.

Meal ReminderWith winter upon us, it is time to remind everyone that the county congregate and home-delivered meal programs usually follow the school closings. That means if the schools are closed in your community due to inclement weather, there will be no delivery of meals to home-bound individuals. So now is the time to stock up on non-perishable items, bottled water, a blanket, flashlight, and a battery operated radio to prepare yourself for weather conditions that could keep you in for a couple of days, or without electricity for a couple of days.

Happy New Year to everyone!

Judy Rank is executive director of the Manitowoc County Aging and Disability Resource Center.


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By DEB HORN | 50 Plus! correspondent

Janet Schultz of Manitowoc loves to swim. She started at age 6 when her mom enrolled her in swimming lessons at the local YMCA in Harvey, Ill.

Swimming was also a family activity. Her dad had Multiple Sclerosis, and his doctor said he should exercise in the water because it would be good for him.

“Swimming became our family time, our family Saturday night swim. We would go to the Y on Saturday, come home and watch Gunsmoke,” Schultz said.

At 7, she joined the local Y swim team and has been competing ever since.

“I enjoyed the swimming lessons, but I just loved the swim meets,” she said.

She remembers swimming on the 8-and-under swim team in meets all around the Chicago area.

“I practiced at our local Harvey YMCA. I enjoyed swim team then and enjoyed it through the years,” she said.

When Schultz was in high school, there were no girls sports but she did swim some practices with the boys on the high school team.

“If I beat the boys, they had to do 100 yards of butterfly, so it was always fun to beat the boys,” she recalls.

She also timed for the boys’ swim meets. In fact, her brother, Carl, was on the boys’ swim team in high school, so she timed for him when she was a freshman and he was a senior.

Although there was no girls’ swim team in high school,

Schultz participated in a synchronized swim club at school called the Aquettes.

She also taught swimming to local children at her high school on Saturday mornings. She was a lifeguard at her high school and so she was a lifeguard for family swims there, too.

After High School

After graduating from high school, she went on to UW-LaCrosse to major in physical education. They had a synchronized swim team there and she made the team as a freshman. She participated in the Catalina Club for four years.

Schultz graduated from UW-LaCrosse in 1973 and taught physical education in Kenosha at Tremper High School and Lance Junior High School, as well as health classes.

She married her husband, John, who was hired at Ripon College, so they moved to Ripon after a couple years at Kenosha. She and John had dated in college and got married a year after graduating.

She later became the aquatic coordinator at Sentry Insurance Company in Stevens Point when she and her husband lived there.

For the past 10 years, Schultz has been the aquatic coordinator at the Manitowoc-Two Rivers Y.

“I taught other things, I did other jobs, but I came full circle back to swimming (and back to the Y),” Schultz said.

Once A Coach …

The 60-year-old has taught swimming since she was 18. “I never let my water safety instructor card expire. I’ve kept my cards because we moved so much for my

husband’s jobs, so I always wanted to keep that card current so I could teach anywhere.

“I do love to teach. I like helping people to swim better. I enjoy working with all ages to improve their swimming and it’s very rewarding for me to see progression,” she said.

Schultz teaches babies to older adults. She can teach every aquatic class that is offered at the local Y.

“The feel of the water is just wonderful. I love the feel of the water. And when I’m around the pool, I’m a pretty happy person,” she said.

Schultz is proud of the fact that she coached the Lincoln High School girls swim team to a state berth in 1994. One of the girls who went to state that year is now coaching swim at the local Y and is an assistant swim coach at Lincoln High School.

Schultz joined U.S. Masters Swimming in 1994.

Carolyn Jensen started the swim program at the local Manitowoc-Two Rivers YMCA, knowing that there were many people who wanted to participate in organized workouts and then go to swim meets. Schultz started competing in 1994 and continues to compete. Their meets are held December through May. Members range in age from 18 to over 100.

“We have workouts at our Y three times a week at noon hour,” Schultz said. “Some of us are fitness swimmers, some of us are triathletes and some of us are Masters Swimmers, so it’s kind of a group that wants to push each other. So they’re my buddies, my co-swimmers.”

She noted there are four to seven in the group who meet on a regular basis. “I feel refreshed when I work

Y Aquatics Coordinator Began At Early Age

Born toswim Janet Schultz, 60, aquatic coordinator at

the Y in Manitowoc, swims laps in the pool during the master swim team practice. photos by Sue pischke/50 plus


out, it’s a good feeling,” she said. “It’s fun to swim with each other because we push each other to swim a little faster or we will go a little longer distance.

“After all my lap swimming, I do enjoy going out for a swim meet. It’s kind of my Me Day. I get to compete and talk swimming all day.

“I enjoy competing and bettering my time from last year, that’s really my goal to better my time that I might have made in the same pool the year before.

“I also like to beat the boys. I still enjoy racing the men and maybe beating them in a set or some yardage. It’s fun to challenge myself, but they’re pretty fast.”

Family Affair

Her brother, Carl, lives in Madison and is also a Masters swimmer. He practices with the swim team at Madison East Y and enjoys his practices, but doesn’t usually compete in meets. However, when there is a Masters meet at Madison East Y, “he does swim with me and sometimes we enter the same event. So my mom goes and she yells for us like the old days.”

“It’s been kind of fun. It’s neat that he is a Masters Swimmer, too,” said Schultz.

“I enjoy competing and US. Masters Swimming gives me the chance to compete at my age and I can try to improve my times.

Schultz shares a laugh with team members during a recent master swim team practice. Schultz recently placed first in a record-setting swim at a YMCa masters swim meet in Wisconsin.

Born To Swim continued on page 8

Schultzis a member of U.S. Masters Swimming, a national group that provides organized workouts, competitions, clinics and workshops for adults ranging in age from 18 to over 100. She is shown in her home with some of the medals and ribbons she has won, along with the Swimmer magazine, which is the official publication for U.S. Masters Swimming


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All my workouts lead up to competing in a swim meet, so the swim meet is kind of like the icing on the cake,” Schultz said.

“That swim meet enables me to feel good about myself, feel proud that at age 60 I am still competing and I am proud that I can keep swimming.”

She says she gets inspired by the older women who compete at the national meets.

Schultz captured first place in the national swim meet in her age group in 2007. She got first in the 200-yard breaststroke, “and so that was my ultimate goal to do well and get a gold medal in the national YMCA swim meet.” She received a gold medal and a patch.

The events she likes to compete in the most are 200-yard breaststroke, 200-yard backstroke, and 200-yard individual medley.

Schultz has two daughters, Jessica, 33, and Janel, 31. “My two daughters were in the water as soon as their belly button fell off. I had them enjoying the water and to this day, they are swimmers.”

And now Schultz is getting her 2-year-old grandson, Milind, introduced to swimming. “I have worked with him in the water and he’s a little fish,” she said proudly.

Her mother, at age 87, swims at the Madison East Y and plays water volleyball there using a beach ball. She credits her mom with introducing her to swimming and taking her to practices and meets.

Besides swimming, Schultz trains for running races and competes in some, along with her husband. They are a very active couple. They love to mountain bike, cross-country ski and snowshoe. They also enjoy tent camping and hiking in the mountains.

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Born To Swim continued from page 7

crossword solution on page 11

CROSSWORd: 2011 in REviEW


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FinAnCiAL COLUMn:

If you are investing money or planning to do so, there is one very important question you should ask yourself: What kind of investor am I? Knowing if you are an aggressive or conservative investor is the first step to knowing how you should invest your money.

First, you need to determine your risk tolerance level. Risk is the amount of volatility and uncertainty you’re willing to accept from an investment in seeking your financial goals, like planning for retirement or a college education.

Some investments carry a higher level of risk than others. Generally, the higher the risk of an investment, the greater its potential returns. However, there is also a greater potential to lose your initial investment. The lower the risk, the less likely it is for that investment to generate a higher rate of return. When you invest your assets in financial products that assume little or no risk, your money may not have the opportunity to grow as fast as you would like.

To help determine your risk level, ask yourself: How comfortable will I be watching my investment go up and down in value?

The more comfortable you are with price volatility, the greater the risk you are probably willing to assume.

Consider TimeThe next step in the process of determining your profile as an investor is to identify your time horizon, the amount of time between now and when you hope to reach your stated goal. Generally, the more time you have the more risk you can afford to assume. The reasoning is: the longer your time horizon, the more time you have to ride out the market’s ups and downs in pursuit of your financial goals.

Knowing what level of risk you are comfortable with can help you determine whether you are a conservative investor, an aggressive investor or somewhere in-between. This is an important first step because then you can focus on investments that provide you with the levels of risks and potential returns with which you are comfortable.

To find out more about the type of investor you are or the different types of investments that are available, contact a financial services professional. There is no assurance that any investment will achieve its investment objectives. Investment return and principal value will fluctuate and the investment, when redeemed, may be worth more or less than its original cost.

InvestorWhat Kind of

are You?

Steve Ford is an insurance and financial professional with State Farm. he can be reached at (920) 682-2997 or [email protected].


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HEALTH COLUMn:

As this year draws to a close and we have a fresh start to the New Year, what will you do differently? Do you have goals set for the new year? If not, now is a great time to plan to get motivated and stop procrastinating. The hardest part of a goal is to stick with it. Here are 12 tips on how you can stay motivated and productive in the New Year.

“On the first day of the new year, Dr. Stacey said to me, stop the monotonieeeeeeeeee.” — When we do the same task over and over we become bored. Don’t be afraid to make a daunting task a bit more fun next year. If we view activities differently, we can add fun to almost any task. Ask yourself, how can I enjoy this task?

“On the second day of the new year, Dr. Stacey said to me, get back to reality.” — Sometimes we have unrealistic expectations about our time. When we get bogged down with too much to do, our motivation starts to plummet. Make sure you are taking some

stacey soeldner, is a clinical psychologist and life coach at riverhill Psychological associates, s.c., manitowoc.

breaks and not overwhelming yourself.

“On the third day of the new year, Dr. Stacey said to me, stop to smell the poinsettia.” — As much as we believe we are good at multitasking, we really are not. When we try to multitask we are actually splitting our efficiency in half.

Doing one task at a time and being mindful of what you are doing will increase your ability to be more productive and motivated.

“On the fourth day of the new year, Dr. Stacey said to me, Why? Why? Why?” — We rarely stop and think about why we are doing a certain task. Taking time to explore the good and bad reasons behind what we are doing can help us frame our goals in a positive manner. Am I getting a reward? Is there personal gain? Will I feel accomplished? These are all good questions to ponder and the positive answers will increase your motivation.

“On the fifth day of the new year, Dr. Stacey said to me, if it’s not working, fix it.” — Have you ever continued to do something a certain way, even though you knew it could be done better. When something doesn’t feel right, fix it! Change can increase new possibilities. Don’t let one barrier get in your way; find a new path

‘12 Days’of the New Year “On the sixth day of the new year, Dr. Stacey said

to me, look behind you — How far have you gone? Do ever notice that you only give yourself credit when you have met your final goal. If you really want to stay motivated, make sure you are assessing your progress. Each step toward your goal is closer than when you started. Take time to reflect on how far you have come.

“On the seventh day of the new year, Dr. Stacey said to me, challenge yourself.” — Some times it is fun to set an easy goal in order to be able to accomplish it. However, that does not make for a very good motivation strategy. Make sure to set some challenges for yourself. This will help you push yourself.

“On the eighth day of the new year, Dr. Stacey said to me, mix it up! — Bounce between activities that are fun and ones that are daunting; don’t stay fixated on having to finish one task. If one task is beginning to bore or frustrate you, then change tasks for a while. Continuing to do the same boring task will decrease your motivation.

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“On the ninth day of the new year, Dr. Stacey said to me, failure is not an option.” — At times you may backslide and that is okay. Don’t consider that failure. Consider it motivation to get back on your plan. Setbacks are not failures. They are only failures if you refuse to get up and keep moving forward.

“On the 10th day of the new year, Dr. Stacey said to me, avoid fun suckers.” — You know these people. They are naysayers and their negativity sucks the fun and ambition right out of you. Surround yourself with positive people who are going to cheer you.

“On the 11th day of the new year, Dr. Stacey said to me, say ‘No, no no.’” — One of the smallest words in the English language, but it is very difficult to say. Getting too involved with other people’s goals forces you to put yours on the back burner. Learning to say no will help you set boundaries with others to keep moving toward your goals.

“On the 12th day of the new year, Dr. Stacey said to me, go celebrate!” — No matter what the accomplishment is, celebrate it. When we reward ourselves along the way our motivation and productivity will skyrocket. Make a list of ways you celebrate the stops on the way to your goal.

Merry Christmas and a happy, productive New Year!

Affordable Finance continued from page 3

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Another resource that offers free financial advice is Jump-Start Your Retirement Plan Days. This is a completely free public service program provided by the National Association of Personal Financial Advisors (NAPFA) and Kiplinger Personal Finance magazine. On Thursday, Jan. 12, and Tuesday, Jan. 17, you can call toll free 888-919-2345 anytime between 9 a.m. to 6 p.m. eastern standard time, and a NAPFA advisor will be standing by to answer your financial and retirement questions. Or, if you prefer, you can you can participate in an online discussion on these same dates through Kiplinger’s Facebook page atwww.facebook.com/Kiplinger Personal Finance.

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.

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