Experience - October 2014

Mary Schneider's passion for travel a ‘perfect fi t’ for her roleat the Fond du Lac Senior Center

INSIDE: Digital Security • Estate Planning • Medicare Enrollment • Nicaraguan Pottery • and more!

OCTOBER 2014 FREE NEWS FOR BOOMERS AND BEYOND

2 | EXPERIENCE ACTION PUBLICATIONS | OCTOBER 2014

Digital Security: protecting your information, business

By Brandpoint Media

Data breaches are reported by companies across the country, and the full list doesn’t just show household

names of big brand retailers — many of these companies were small businesses, family medical practices or local restaurants that never thought they’d be cybercrime victims. For instance, the most high profi le breach of 2013 — Target — was actually set into motion when one of its much smaller regional contractors was hacked.

Undoubtedly, businesses of all sizes are potential targets for cyber criminals, but while the “big boys” often have the fi nancial means to rebound relatively quickly, for small business owners, one attack can mean life or death for the future of their business. In fact, according to the National Small Business Association, a single cyber-attack costs a small business an average of $8,000 to recover from (and this fi gure does not include the incalculable damage done to the company’s

reputation).Historically, small business owners have

focused their security prevention on their physical domains, but, with the lines between physical and digital security having blurred over the last decade, it’s critical for small business owners to rethink their 21st century security strategies.

● Make sure your employees are informed. Whether you’re concerned about digital security or physical security, your employees are your fi rst line of defense. Your employees should be up to date on all company security measures and aware of the vulnerable digital and physical areas in your business. Keeping them informed ensures they know how to protect your business and alert you should a problem arise.

● Increase the strength of your passwords. Creating strong passwords may at fi rst be inconvenient for you and your staff, but stronger passwords can greatly improve the security of your business. Complex passwords have a signifi cantly greater chance of tripping

up hackers.● Erase old hard drives. While

your business may not have any use for these outdated systems, the information stored on the hard drive is valuable to would-be criminals.

While many small business owners may think cyber criminals aren’t interested in businesses their size, the reality is small businesses require the same strategic protection as major corporations to prevent the signifi cant fi nancial and reputational damage that comes with a security breach.

Erase old hard drives. While your business may not have any use for these outdated systems, the information stored on the hard drive is valuable to would-be criminals.

While many small business owners may think

signifi cant fi nancial and reputational damage

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October CalendarDance Lessons – 7 to 9 p.m. Thursdays at the Eagles Club, 515 N. Park Ave., Mondays at the Fond du Lac Senior Center, 151 E. First St. Beginner lessons at 7 p.m., intermediate at 8 p.m. Charge for lessons, styles change monthly, no partner required.3 • Lego night – 4 to 7 p.m. at the Children's Museum of Fond du Lac, 75 W. Scott St. The best builds will be on display in the museum. Program included with admission.3 • John Denver tribute concert – 7 p.m. at the Waupun City Hall Auditorium, 201 E. Main St., Waupun. Cost for tickets. Concert and silent auction proceeds to benefit Marsh Haven Nature Center.3-4, 10-11, 17-18, 24-25, 31 • “ghosts of gaLLoway” – 7 to 10 p.m. at Galloway House and Village, 336 Old

Pioneer Road. Haunt-a-fied walking tour through some of the buildings of the village. Less spooky version held 1 to 3 p.m. Oct. 15 and 22. Cost for tickets charged.3-5 • forever PLaiD! – 7:30 p.m. Friday and Saturday, 2 p.m. Sunday at Maximillian’s Hall, 155 Fond du Lac Ave., Mt. Calvary. Cost for tickets charged. Dinner theater show or show-only. 3-5 • auDubon Days festivaL – start at 5 p.m. Friday, 8 a.m. Saturday and 11 a.m. Sunday at various locations in Mayville. Beer and wine tasting Friday. Arts and crafts gallery, pumpkin decorating, duck races and music by Star Six Nine and Chad Przybylski and a pub crawl on Saturday. Parade, food, ugly lamp contest and music by Shaker and the Egg on Sunday. Visit

11-12 • faLL agiLity Dog triaL – 9 a.m. to 4 p.m. at Fond du Lac County Kennel Club, N5480 Deneveu Ln. Food and refreshments available.13 • Duck anD goose caLLing – 6:30 to 8 p.m. at Horicon Marsh Int'l Education Center, N7725 Highway 28, Horicon. Champion callers Troy Master and Mark Kakatsch. Bring your duck and goose calls. Free. 14 • books between bites: “reaDy PLayer one” – 12:10 to 12:50 p.m. at Salem United Methodist Church, 120 Sheboygan St. Review of the book by Ernest Cline. Bring your sack lunch, beverages will be available.17 • haLLoween nature hikes – 6:30 – 9:30 p.m. Friday, Oct. 17 at Kettle Moraine State Forest - Long Lake Recreation Area, N3450 Division Rd., Campbellsport. Predator versus prey: wolf and deer, bat and moth, owl and mouse. Which possesses the best adaptations for survival? This is not a scary hike and is best for those more than five years of age. Groups leave every six minutes. The last hour-long hike leaves at 8:30 pm. While waiting

mayvillechamber.com.4 • waLk to enD aLzheimer's – 8:30 a.m. at Moraine Park Technical College, 235 N. National Ave. Registration begins at 8:30 a.m. with the 2-3 mile walk at 10 a.m. Register online at alz.org/walk. 4 • coLor of autumn: our beautifuL anD beneficiaL trees (hike) – 10 to 11 a.m. at the Horicon Marsh Int'l Education Center, N7725 Highway 28, Horicon.4 • movies at the marsh: "my siDe of the mountain" – 6:30 to 8:30 p.m. at the Horicon Marsh Int'l Education Center, N7725 Highway 28, Horicon.7 • church of Peace rummage anD bake saLe – 8 a.m. to 5 p.m. Tuesday, Oct. 7 and 8 a.m. to 1 p.m. Wednesday, Oct. 8 at 158 S. Military Rd., Fond du Lac. Clothing, outerwear, shoes,

housewares, holiday decorations, linens and misc. items. Wednesday is “$2 Fill a Bag.”11 • DunDee annuaL faLL coLor car & craft show – 9 a.m. to 4 p.m. at Dundee Sportsmen’s Park. 3019 Highway 67, Campbellsport. Free admission for spectators. Food, beverages, music, craft and gift vendors. Car registration 9 a.m. to noon. Awards and prizes will be given.11-12 • autumn ceLebration – 10 a.m. to 5 p.m. at Wade House Historic Site, W7965 Highway 23, Greenbush. Learn about the origins of Halloween customs. Seasonal games of the period, hot cider in the stagecoach inn, two-mile, open-air, horse-drawn wagon ride. Carve pumpkins and turnips, listen to classic renditions of scary stories in the candlelit Herrling Sawmill.

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

WI-5001738847

2014 Transportation ServicesFond du Lac County Department of Senior Services

1-800-215-5494

Service Type Priorities CostElderly

Walk-on vans Medical, Employment, Nutrition $2.50 each way60+ years of age Personal Business, $2.50 each way

Education/Training, $2.50 each waySocial/Recreation $2.50 each way

EscortFrail; physician certified Medical, Therapy, Dental Within FdL County $2.50 each way

Outside FdL County $6.00 each way

Handi-VanWheelchair use or No prioritiesmobility impaired 6:00 a.m. - 5:30 p.m. (Mon-Fri) Fee $3.00 each wayNo age restrictions

Senior Service Transportation Service Phone Numbers

ELDERLY VAN: 60+ years of age ......................................................... 929-3936HANDI-VAN: Wheelchair or mobility impaired, no age restriction....... 929-3110ESCORT: Frail, no age restriction ......................................................... 929-3936

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

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EXPERIENCE | 5OCTOBER 2014 | ACTION PUBLICATIONS

11-12 • FALL AGILITY DOG TRIAL – 9 a.m. to 4 p.m. at Fond du Lac County Kennel Club, N5480 Deneveu Ln. Food and refreshments available.13 • DUCK AND GOOSE CALLING – 6:30 to 8 p.m. at Horicon Marsh Int'l Education Center, N7725 Highway 28, Horicon. Champion callers Troy Master and Mark Kakatsch. Bring your duck and goose calls. Free. 14 • BOOKS BETWEEN BITES: “READY PLAYER ONE” – 12:10 to 12:50 p.m. at Salem United Methodist Church, 120 Sheboygan St. Review of the book by Ernest Cline. Bring your sack lunch, beverages will be available.17 • HALLOWEEN NATURE HIKES – 6:30 – 9:30 p.m. Friday, Oct. 17 at Kettle Moraine State Forest - Long Lake Recreation Area, N3450 Division Rd., Campbellsport. Predator versus prey: wolf and deer, bat and moth, owl and mouse. Which possesses the best adaptations for survival? This is not a scary hike and is best for those more than fi ve years of age. Groups leave every six minutes. The last hour-long hike leaves at 8:30 pm. While waiting

Short Rd., Chilton. Tour a cave by candlelight. Best for kids 5 and up, with the focus on education, not fright. Caves entered by stairs and ladders. Wear old clothes and layers. Admission charged. 18 • SEED COLLECTION WORKSHOP – 9 a.m. to noon at Gottfried Prairie and Arboretum, 400 University Dr. Walk through the prairie and learn how to identify wildfl owers and grasses in the seed stage. Collect and clean the seed heads while learning how to store and propagate the seed for growing plants. 21 • STORIES AT THE MARSH – 6:30 to 7:15 p.m. at Horicon Marsh Int'l

for your hike, play fun-fi lled games, make a craft to take home, or snack by the campfi re.17 • FAMILY GAME NIGHT – 4 to 7 p.m. at Children's Museum of Fond du Lac, 75 W. Scott St. Variety of classic and new board and card games. Included with admission.17 • TOUR THE TOWN ART WALK – 5 to 8 p.m. at various locations in downtown Fond du Lac. The event is free, artists will have wares for purchase. Visit tourthetownfdl.com. 17-18 • HALLOWEEN CANDLELIGHT CAVE TOURS – 5:30 to 8:30 p.m. Friday and 4:30 to 8:30 p.m. Saturday, at Ledgeview Nature Center, W2348

Kennel Club, N5480 Deneveu Ln. Food

Rural Arts RoadtripOctober 10-12 , various locations9 a.m. to 5 p.m. Friday and Saturday, 10 a.m. to 3 p.m. Sunday. Embark on a self-guided tour to see artists at work in their studios. Enjoy adventures from hayrides to corn mazes and savor delectable local foods. Wine reception at Village Hearthstone Restaurant Friday from 6 to 9 p.m. (cost charged) and Cheese & Wine Pairing at LaClare Dairy Farm on Saturday all day. Visit ruralartsroadtrip.com for map and details.

Education Center, N7725 Highway 28, Horicon. Beth Haffenbredl (Assistant Wildlife Educator) will read two stories about “Falls Color Changes” and then the kids will do a craft to take home.23-26 • FDLCT: “THE ODD COUPLE” – at Goodrich Little Theatre, 72 W. 9th St. Tony-award-winning-play by Neil Simon. Admission charged.25 • CHURCH OF PEACE UCC “AUTUMN BLESSINGS” BAZAAR – 9 a.m. to 3 p.m., 158 S. Military Rd., Fond du Lac. Raffl es, bakery, candy, crafts, produce, jewelry, books, white elephant. Lunch served 11 a.m. to 2 p.m. Free.25 • THE SECOND CITY'S 55TH ANNIVERSARY TOUR – 7:30 p.m. at Waupun City Hall Auditorium, 201 E. Main St., Waupun. Classic sketches, songs and improvisations. Admission charged.29-2 • UW-FDL FALL PLAY: “LOBBY HERO” – 7:30 p.m. Wednesday through Saturday, 2 p.m. Sunday at UW-Fond du Lac, 400 University Dr. Contains adult language. Admission charged.

WI-5001795726

Fond du Lac County Senior Dining MenuOCTOBER 1

Liver and Onions, Baked Potato, MixedVegetables, Fruited Gelatin, Cookie *,

Sliced Bread

OCTOBER 2Chicken Cacciatore, Sour Cream and ChivePotatoes, Italian Blend Veg., Birthday Cake,

Apple Slices *,Dinner Roll

OCTOBER 3Roast Pork Loin, Mashed Potatoes, BabyCarrots, Applesauce, Cinnamon Roll *,

Sliced Bread

OCTOBER 6Hawaiian Meatballs, Baby Red PotatoesSummer Blend Veg., Butterfinger Torte,

Plum Halves *, Sliced BreadOCTOBER 7

Baked Spaghetti, Mixed Italian Salad,Watermelon Slice, Frosted Cake *, French

Bread

OCTOBER 8Chicken Breast, Mashed Potatoes,

Peas/Pearl Onions, Choc. Chip Cookie,Honeydew Melon *, Sliced Bread

OCTOBER 9Hamburger on a Bun, Cheesy Potato Bake,

Green Beans, Cantaloupe Slice,Fudge Brownie *

OCTOBER 10Salmon Loaf, Baked Potato, California

Blend Veg., Egg Custard Pie, Pear Slices *,Sliced BreadOCTOBER 13

Cran. Pork Cutlet, Escalloped Potatoes,Spinach Salad with Rasp. Vinaigrette,Applesauce, Cookie *, Sliced Bread

OCTOBER 14Baked Chicken, Twice Bk Style Pot.,Health Slaw, Chocolate Pudding,Fruit Cocktail *, Dinner Roll

OCTOBER 15Meatloaf, Baby Red Potatoes, CornFruited Gelatin, Frosted Cake *,

Sliced BreadOCTOBER 16

Beef Stroganoff Casserole, Tossed SaladSpice Cake, Seedless Grapes *,

Dinner RollOCTOBER 17

Glazed Ham, Sweet Potato Bake, Cole SlawPineapple Tidbits, Butterscotch Pud.*,


Chicken Marsala, Baked Potato, CarrotsPoppy Seed Torte, Apple Slices *,


Swedish Meatballs, Mashed Potatoes,Seven Layer Salad, Peach Slices,Cinnamon Roll *, Dinner Roll

OCTOBER 22Bratwurst on a Bun, German Pot. Salad,

Corn, Apple Pie, Plum Halves *OCTOBER 23

Pork Jaegerschnitzel, Mashed Potatoes,Red Cabbage, Fruited Gelatin, Cookie *,

Onion Rye RollOCTOBER 24

Chicken Vegetable, Pasta Casserole,Copper Penny Salad, Vanilla Pudding, Petite

Banana *, Sliced BreadOCTOBER 27

Swiss Steak, Mashed Potatoes, Peas andCarrots, Pear Slices, Frosted Cake *,


Escalloped Potatoes and Ham Casserole,Spinach Salad with Ger. Bacon Dress.,Applesauce Cake, Honeydew Melon *,

Dinner RollOCTOBER 29

Baked Chicken, Twice Bk Style Pot.,Pickled Beet Salad, Apricot Halves, Fudge

Brownie *, Sliced BreadOCTOBER 30

Pepper Steak, Baby Red Potatoes, WaxBeans, Choc. Banana Torte, Pineapple

Tidbits *, Dinner RollOCTOBER 31

Salisbury Steak, Mashed Potatoes, SwissSpinach, Fruited Gelatin, Cookie *,

Sliced BreadMeal 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.

FOND DU LAC’S MOST SCENIC SENIOR LIVING CAMPUS

84 CBRF SUITESRN OR LPN ON-SITE MON. - FRI.

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WI-5001833028

A warm friendly face will greet you when you enter the offi ce of the Travel Coordinator at the Fond du Lac Senior Center. Mary

Schneider, 60, now occupies the chair that Doris Zimmerman previously occupied for 23 years.Doris retired as Travel Coordinator of the Fond du Lac Senior Center on March 1, 2013 and Mary stepped into her role at that time. Mary noted — it was a gradual progression into her current role.

Mary started to volunteer in January 2011, working under Doris. A few months later, in May of that year, Mary became an offi ce assistant for the FDL Senior Center.

Then in December 2011, Mary accepted the assistant tour director position (under Doris) and began training with her.

Mary noted, it was July 2012 when she started leading bus trips as an assistant tour director. Her fi rst trip was a 7-day trip to Orlando, Florida.

Mary's love for traveling goes back a long way. After graduating from Goodrich High School in 1972,

she had traveled to Japan and Nicaragua. “After I became 18 years of age, I promised myself that I would take one trip a year.” Then added, “I received my education from traveling after high school.”

Mary’s work career always involved working alongside others. Mary is a “people person.” Before she came on board at the senior center, she worked as a waitress, did planning for road trips with AAA, did offi ce work, and also worked as a crew chief at McDonald’s. She quipped, “I liked to work anywhere where I can be with people.”

In Mary’s earlier travels, she and her mother Lillian, enjoyed traveling together. “If the wheels are going around I’m going along” was her mother’s quote, which Mary also holds true. Mary also gained a lot of experience from taking others on trips when she led youth groups with Holy Family Parish for seven years.

Mary and husband Don, who live in St. Peter, are members of the Friends at the FDL Senior Center. They traveled to Holland, Michigan with the group

Story by Lois A. Pfl um I Photos by Doug Rafl ik/Action Reporter Media


cover story

Mary Schneider,a ‘people person,’ enjoys role as travel coordinator at Fond du Lac Senior Center

6 | EXPERIENCE

My friends tell me this is the

perfect job for me because

of my love of travel.”

— Mary Schneider

Mary holds a group photo taken during a 2011 trip to San Antonio, Texas.

to the Tulip Festival before she came on board as a staff member in 2011.

A warm friendly, welcoming face sits behind the desk in the cozy offi ce she calls “a home away from home.” Different smiley happy faces are noticeable in the offi ce. Mary added, “I have always liked the happy face symbol.”

Fond du Lac Senior CenterMOTTO: Fond du Lac Senior Center: where friends meet

VISION: To enhance the quality of life of every senior in our community.

MISSION: The Fond du Lac Senior Center is dedicated to enriching the social, physical, emotional and intellectual well-being of seniors in the community.

FRIENDS: 2,616 Friends of the Fond du Lac Senior Center members

(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

CaregiverConference

A day of education and support for those whocare - family and professional caregivers invited.

Thursday, October 30, 2014

8:30 am – 3:15 pm

Held at the Retlaw Plaza

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Mary works 35 hours a week, and she can be reached between 9 a.m. and 3 p.m. Mondays through Thursdays in her offi ce. She has four volunteers to help her in the offi ce and four volunteers to help her with the travel meetings. They actively research and help with the planning of the trips. She noted, the travel meetings are held when needed, to plan upcoming trips with fellow travelers.

Mary’s pleasant mannerism includes being funny — still her professionalism is evident in her role as travel coordinator.

After Doris retired in 2013, the most diffi cult part was when Mary offi cially took over. She started from scratch getting things organized — stepping into Doris’ shoes where she had left off. She commented, “It was defi nitely a learning experience” and added “ongoing … every day was and is a learning experience.”

When asked what the best part of her job is — Mary replied in a heartbeat, “The people, meeting new people all the time, getting to know people, and listening to their stories.”

“My friends tell me this is the perfect job for me because of my love of travel.” Mary has many repeat travelers taking trips, but also many newcomers. And she welcomes them all with her familiar smile.

Three adult children — Christopher, Bridget and Jennifer, plus four grandchildren — Hope, Delaney, Maddie and Hadley are other reasons to keep that smile on Mary’s face. Mary commented that her grandchildren and gardening (which she has a passion for) are her hobbies.

Dottie Winkelman, the senior center director, had this to say about Mary. “The Happy Travelers are fortunate to have Mary as the Travel Coordinator.” She added, “Mary not only has great enthusiasm for travel, but is fun and does a good job keeping our travelers happy.” Dottie said that they receive rave reviews for Mary and shared a trip evaluation comment which read, “It is so nice at this stage of life to travel in such an organized and well-planned way.” Dottie added, “This is a nice testimonial to Mary. She had great training under Doris Zimmerman and is an awesome addition to our staff.”

Programs and services are geared for those 50 and older; however Friends membership is open to all ages.Annual membership drive will begin in October. Dues are $10 for a single membership and $15 for a couple.

For addition information about the FDL Senior Center call (920) 322-3630 or for any upcoming trips call (920) 322-3635. They are located at 151 E. First St.

A warm friendly face will greet you when you enter the offi ce of the Travel Coordinator at the Fond du Lac Senior Center. Mary

Schneider, 60, now occupies the chair that Doris Zimmerman previously occupied for 23 years.Doris retired as Travel Coordinator of the Fond du Lac Senior Center on March 1, 2013 and Mary stepped into her role at that time. Mary noted — it was a gradual progression into her current role.

Mary started to volunteer in January 2011, working under Doris. A few months later, in May of that year, Mary became an offi ce assistant for the FDL Senior Center.

Then in December 2011, Mary accepted the assistant tour director position (under Doris) and began training with her.

Mary noted, it was July 2012 when she started leading bus trips as an assistant tour director. Her fi rst trip was a 7-day trip to Orlando, Florida.

Mary's love for traveling goes back a long way. After graduating from Goodrich High School in 1972,

she had traveled to Japan and Nicaragua. “After I became 18 years of age, I promised myself that I would take one trip a year.” Then added, “I received my education from traveling after high school.”

Mary’s work career always involved working alongside others. Mary is a “people person.” Before she came on board at the senior center, she worked as a waitress, did planning for road trips with AAA, did offi ce work, and also worked as a crew chief at McDonald’s. She quipped, “I liked to work anywhere where I can be with people.”

In Mary’s earlier travels, she and her mother Lillian, enjoyed traveling together. “If the wheels are going around I’m going along” was her mother’s quote, which Mary also holds true. Mary also gained a lot of experience from taking others on trips when she led youth groups with Holy Family Parish for seven years.

Mary and husband Don, who live in St. Peter, are members of the Friends at the FDL Senior Center. They traveled to Holland, Michigan with the group

Story by Lois A. Pfl um I Photos by Doug Rafl ik/Action Reporter Media


cover story

Mary Schneider,a ‘people person,’ enjoys role as travel coordinator at Fond du Lac Senior Center

6 | EXPERIENCE

My friends tell me this is the

perfect job for me because

of my love of travel.”

— Mary Schneider

Mary holds a group photo taken during a 2011 trip to San Antonio, Texas.

to the Tulip Festival before she came on board as a staff member in 2011.

A warm friendly, welcoming face sits behind the desk in the cozy offi ce she calls “a home away from home.” Different smiley happy faces are noticeable in the offi ce. Mary added, “I have always liked the happy face symbol.”

Fond du Lac Senior CenterMOTTO: Fond du Lac Senior Center: where friends meet

VISION: To enhance the quality of life of every senior in our community.

MISSION: The Fond du Lac Senior Center is dedicated to enriching the social, physical, emotional and intellectual well-being of seniors in the community.

FRIENDS: 2,616 Friends of the Fond du Lac Senior Center members

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

[email protected]

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

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Mary works 35 hours a week, and she can be reached between 9 a.m. and 3 p.m. Mondays through Thursdays in her offi ce. She has four volunteers to help her in the offi ce and four volunteers to help her with the travel meetings. They actively research and help with the planning of the trips. She noted, the travel meetings are held when needed, to plan upcoming trips with fellow travelers.

Mary’s pleasant mannerism includes being funny — still her professionalism is evident in her role as travel coordinator.

After Doris retired in 2013, the most diffi cult part was when Mary offi cially took over. She started from scratch getting things organized — stepping into Doris’ shoes where she had left off. She commented, “It was defi nitely a learning experience” and added “ongoing … every day was and is a learning experience.”

When asked what the best part of her job is — Mary replied in a heartbeat, “The people, meeting new people all the time, getting to know people, and listening to their stories.”

“My friends tell me this is the perfect job for me because of my love of travel.” Mary has many repeat travelers taking trips, but also many newcomers. And she welcomes them all with her familiar smile.

Three adult children — Christopher, Bridget and Jennifer, plus four grandchildren — Hope, Delaney, Maddie and Hadley are other reasons to keep that smile on Mary’s face. Mary commented that her grandchildren and gardening (which she has a passion for) are her hobbies.

Dottie Winkelman, the senior center director, had this to say about Mary. “The Happy Travelers are fortunate to have Mary as the Travel Coordinator.” She added, “Mary not only has great enthusiasm for travel, but is fun and does a good job keeping our travelers happy.” Dottie said that they receive rave reviews for Mary and shared a trip evaluation comment which read, “It is so nice at this stage of life to travel in such an organized and well-planned way.” Dottie added, “This is a nice testimonial to Mary. She had great training under Doris Zimmerman and is an awesome addition to our staff.”

Programs and services are geared for those 50 and older; however Friends membership is open to all ages.Annual membership drive will begin in October. Dues are $10 for a single membership and $15 for a couple.

For addition information about the FDL Senior Center call (920) 322-3630 or for any upcoming trips call (920) 322-3635. They are located at 151 E. First St.


By Isabell M. Mueller, attorney

Marriage is a time for celebration. However, in the event of a remarriage, it is imperative that you

and your future spouse also focus on the less romantic process of redrafting your estate plans. Wisconsin is a Marital Property state, which means your marriage will affect the ownership of all of your assets, regardless of how the asset is titled. This change in ownership will affect not only the division of your assets in the event of a divorce, but also the distribution of your assets upon your death. In many instances it will result in a distribution that is substantially different from what you intended.

You and your future spouse’s respective fi nancial situations and family situations are most likely more complex than when you fi rst married. You probably have more assets and one or both of you may have children from previous relationships. It may, therefore, be in both parties’ interest to execute a prenuptial

FUNERAL & ESTATE PLANNING

❚ LIFE❚ LOVE❚ LOSS❚ LEGACY

Remarriage and estate planning: Assessing your assetsASSETS AND DIVORCE

In the event of a divorce, how do you want your assets divided? Do either of you have strong feelings about keeping any assets as your “individual” property in the event of a divorce?

INHERITANCEIn the event of your death, how do you want

your property to be divided between your surviving spouse and your children? Do you want the majority, if not all, of the assets going to your surviving spouse? Or do you want your children or other family members receiving a signifi cant share?

These are the most signifi cant issues that must be addressed and are also the factors which will determine whether or not a prenuptial agreement is needed. Once these issues have been addressed and, if necessary, a prenuptial agreement has been signed, the rest of your estate planning documents, (wills, revocable trusts, powers of attorney, etc.) should be updated to refl ect both your decisions and your new marriage.

agreement. In deciding whether or not a prenuptial agreement is appropriate, you and your future spouse should address the following issues.

INCOME AND EXPENSESHow do the two of you plan to share, or not

share, your income and expenses? Do either of you have any signifi cant liabilities for which the other should not be held liable? Health care costs and the cost of long term care should be a signifi cant part of this discussion.

Wisconsin is a Marital Property state, which means your marriage

will a� ect the ownership of all of your assets, regardless of how

the asset is titled.

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Check your Medicareannual notice of change

wellness

By Julie Hilbert

It’s hard to believe but another Medicare annual enrollment period (AEP) is upon us! What’s

the annual enrollment period? Each year from Oct. 15 to Dec. 7, Medicare beneficiaries have the opportunity to enroll in, switch, or dis-enroll from Medicare stand-alone prescription drug plans (Medicare Part D) and Medicare Advantage plans (Medicare Part C). During this time, a Medicare beneficiary who has never enrolled in a Part D drug plan or Advantage plan can enroll for the first time.

You might think that if you already have a drug plan or Advantage plan that you don’t need to think about switching plans during the AEP. No so. Even if you were completely happy with your drug plan or Advantage plan in 2014, you should investigate your options during the AEP because your current plan will be changing and so will the other plans available to you.

Some stand-alone Part D plans may not renew for 2015. Not renewing means the company the plan belongs to has decided not to offer that plan in 2015. People who are enrolled in these plans will have to enroll in a new plan during the AEP to have coverage starting Jan. 1, 2015. If you are in one of these plans and take no action, you will be automatically enrolled in a different plan offered by the same company effective January 1, 2015. This new plan, though offered by

the same company, might be quite different than what you have now. Among other things, it will have a different premium, a different formulary, and different out-of-pocket costs for your drugs.

What’s an annual notice of change? It is a notice sent to you by your current plan telling you how your plan is changing for 2015 and, if your plan is not going to be around in 2015, which plan you will be auto-enrolled in and how that plan compares to your current plan. Your current plan is required to mail the annual notice of change to you by September 30. Look for it and read it carefully. If you do not receive your annual notice of change, contact your plan and request it.

If your annual notice of change informs you that your current plan is not renewing and that you will be auto-enrolled in a different plan, you can enroll yourself in whatever plan you want during the annual enrollment period. Your plan can change its formulary so that it no longer covers all your medications. Plans that may not have covered all of your medications last year may now cover them this year.

Individuals over the age of 60 and living in Fond du Lac County can contact Julie Hilbert, senior benefit specialist with the Department of Senior Services at (920) 929-3521 to schedule an appointment.

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

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By Valerie Graczyk, Someday Travel

On a recent trip to Nicaragua I visited a charming village named San Juan de Oriente

where just about every household creates and sells their world-acclaimed pottery. This ceramic tradition dates back to 1,000 BC.

I was in awe as I entered into the living quarters of indigenous descendants of the original Indian tribes. Not only were the designs and colors of the pottery stunning, but the warmth and welcome I received touched me. I was invited into the workshop where the potters worked at long tables, stacks of wood to fire the kiln were piled up to the ceiling. A shy young woman explained for me the different types of clay used, then showed me tweezers, a pencil and a tiny paint brush she used to create the design on the pottery.

Answers from page 3

Fran Trewin is at an age when many people slow down, but she stays active leading an

area 4-H club. Trewin joined the organization

when dairy projects were common and soon realized her real passion was horses. She runs the “horseless horse” project for members who don’t own a horse. “I share five of mine,” she explains. “I enjoy teaching real-life lessons to the young people and I get to continue my passion, too.”

Trewin is co-leader of the Green Valley Club, known originally as the Jefferson Hotshots, when all of the members attended Jefferson School (south of Highway 175).

“I’ve been a leader for only 41 years,” Trewin laughs. “My co-leader, Elsie, has been at it for 57 years!”

Elsie Ernest Kottke was a 17-year-old city girl when her boyfriend invited her to his 4-H meeting. Back

then, you could belong until the age of 21, she says. She married the boyfriend and practically married 4-H, too. All seven of the Kottke children went through the program. Fourteen great-grandchildren are also members.

“What I like is that every club is for both boys and girls, and older and younger ones,” Kottke says. “It is really rewarding to see them practice teamwork and leadership and grow up right in front of you.”

Wisconsin’s 4-H programs began 100 years ago as part of the UW-Extension’s agricultural programs for boys and canning programs for girls. Trewin and Kottke agree their projects have changed over time, but the values carry through.

One of those values is service. Green Valley is involved with a food pantry. The youngsters have also played bingo at a senior center and

tied blankets for a “Linus” project. There are 20 clubs in Fond du

Lac County. For information about volunteering or enrolling your children or grandchildren, call (920) 929-3170.

Trewin, Kottke volunteer as area 4-H leadersvolunteer

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By Valerie Graczyk, Someday Travel

On a recent trip to Nicaragua I visited a charming village named San Juan de Oriente

where just about every household creates and sells their world-acclaimed pottery. This ceramic tradition dates back to 1,000 BC.

I was in awe as I entered into the living quarters of indigenous descendants of the original Indian tribes. Not only were the designs and colors of the pottery stunning, but the warmth and welcome I received touched me. I was invited into the workshop where the potters worked at long tables, stacks of wood to fi re the kiln were piled up to the ceiling. A shy young woman explained for me the different types of clay used, then showed me tweezers, a pencil and a tiny paint brush she used to create the design on the pottery.

I learned that over the last 30 years the pottery of this community has passed through several phases and has evolved tremendously. In the last decade many of the potters from this community have received worldwide recognition for their work. For more information, visit zanzibartribalart.com/nicaraguanpottery.htm.

My love of history and the culture of a country always enrich my experience of traveling. In researching for this article, I came across this interesting fact: During the Spanish presence on the continent and until 1821 when Nicaragua was declared independent from Spain, the old tax records show the village paid their tribute to the Spanish King in pottery.

Ceramic Charm

Pottery of San Juan de OrienteA young girl shows pottery stored in her home/living space that is for sale to visitors of Nicaragua. To view more photos visit somedaytravel.com. SUBMITTED PHOTO

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Documents

Experience - October 2014