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Rathbun: Who’s looking out for your interest?

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Every night I hear Bill O’Reilly say on his show, “The O’Reilly Factor,” that he is looking out for you, the folks.

Every night I also think, “Is he really? Is he looking out for me?” More importantly, do I want him looking out for me? Ultimately, the answer to all of the above questions is no, he is not looking out for me and no, I don’t want him looking out for me.

I can look out for myself just fine, thank you very much, but I do rely on people I trust to take care of things for me in a manner that I require.

The manner in which I require my things to be taken care of is classified as a fiduciary manner.

Having things taken care of in a fiduciary manner means that the person who is helping me must act in the best interest of me, personally, not a generic person like me. A fiduciary must know who I am and what I need and want in order to provide the best service for me.

Most financial advisers out there do not operate from a fiduciary standard. That is not to say they are dishonest, most aren’t, but they operate legally from a suitability standard.

They belong to an association that has a code of ethics that says they will put the best interests of their client ahead of their own, but it is not a legal requirement.

As a Registered Investment Advisor (RIA) who is under the watchful eye of the Securities and Exchange Commission (SE C), I am required to operate under a fiduciary standard in all of my dealings with clients.

The analogy I use most frequently is that of a builder. Let’s say I build houses for a living and you commission me to build you a home and I say, “OK. I will go build you a house and  I’ll call you when it’s completed. It will be up to code and it will keep you warm in the winter and dry when it rains. In other words, it will be suitable for you to live in. Actually, it will be suitable for virtually anyone to live in.”

Or you could hire me to build you a house and I would say, “OK, let’s sit down and draw out a set of blueprints. We will make the rooms the size you want, put doorways where you want and add custom features that you need or want. The house will not only be up to code and suitable to live in but it will also be the best home for you and your needs. I, as a builder, in this case will act as a fiduciary to you in building a home that best fits your needs.”

Which house would you rather have? Your financial house is no different.

The portfolio needs to be custom built for your needs and desires, not invested in the “flavor of the week.”

Just like building a house, it takes some time to draw up the blueprints and make the changes you want. Also, the plans need to be flexible enough to change quickly should circumstances or your needs change. The “buy and hold” strategy is dead and is being replaced with the “buy and manage” strategy.

Is your adviser legally serving as a fiduciary for you? Most are not. It iscritical that each and every one of your advisers act as a fiduciary on your behalf.

CPAs and attorneys are legally required to acts in your best interest, your investment adviser should also. You have a choice, and the choice is easily made with a simple question, “Are you considered a fiduciary when acting on my behalf with my portfolio?”

Gary L. Rathbun is the president and CEO of Private Wealth Consultants, LTD.

Miller: I H8 UR TXTNG @ MUVES

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There are a lot of reasons to avoid going to see a film.

It can be a pricey and dicey proposition, laying down $10 or more for a film that may not provide a quality experience. There are usually people in the theater who think they are in their living room,feeling free to talk and behave as if they are the only people affected by their poor manners. With large screens, high-definition pictures and surround sound, many films can be enjoyed at home to their full impact.

So, yes, there are plenty of deterrents to going to the movies. I go anyway.

A dark theater is a doorway to creativity that opens up amazing opportunities for the imagination. The 24 frames spooling by each second offer alternative realities and artistic possibilities that television rarely matches.

Books and music offer specific platforms for unique artistry, but the movies take elements from both of those expressions and transform them into psycheshaking experiences.

MJR, the only first-run theater in our part of Lenawee County, and Rave Motion Pictures, which operates the Toledo-area theaters, are both to be commended for staying ahead of  the technology curve and for offering family incentives and special showings (Rave is showing The Beatles’ “Yellow Submarine” on the big screen this weekend). Rave has also brought a level of community cooperation and willingness to try new ideas that had been missing from the local cinema scene.

The obnoxious chatterboxes can be shushed or tuned out; even at kids’ movies, which make up the majority of our choices, the right movie can transport viewers far away from the “peas-and-carrots-peas-and-carrots-peas-and-carrots” white noise.

It pleases me a great deal that our sons Evan (almost  6) and Sean (almost 4) have learned how to behave at the movies. There may be an occasional potty break, but they know to respect the silence and they are the perfect audience to suspend disbelief and become lost in the story.

It is true, there are more underachievers like “Yogi Bear” and “G-Force” than winners like “Toy Story 3,” but I love the idea that the boys are growing to love movies as much as their parents. Because their television time is limited, movies are even more special to them.

But a dark cloud is gathering that may upset even my love for the movies (and I once sat through a full screening of “Casablanca” in a Washington, D.C., theater while some jerk sat smoking a few rows up. Theater management did not seem willing to take any action, so those in the rows behind him were forced to incorporate the smoke as a sensory addition to the scenes in Rick’s Café).

During a recent CinemaCon convention in Las Vegas, the possibility of allowing cellphoneand texting  were discussed. As reported on Nikki Finke’s Deadline.com, “Regal Entertainment CEO Amy Miles says that her chain currently discourages cell phone use ‘but if we had a movie that appealed to a younger demographic, we could test some of these concepts.’ For example, she says the chain talked about being more flexible about cell phone use at some screens that showed ‘21 Jump Street.’ ‘You’re trying to figure out if there’s something you can offer in the theater that I would not find appealing but my 18-yearold son’ might.

“IMAX’s Greg Foster seemed to like the idea of relaxing the absolute ban onphone use in theaters. His 17-year-old son ‘constantly has his phone with him,’ he says. ‘We want them to pay $12 to $14 to come into an auditorium and watch a movie. But they’ve become accustomed to controlling their own existence. Banning cell phone use may make them feel a little handcuffed.’”

There are already people who set off little squares and rectangles of glowing lights by checking their phones during the movie. That’s tolerable in small amounts but a nuisance as a repeat offense. I am guilty of being over-attached to my phone, but since the president has never called me to ask for anything, I am confident he won’t call during the two hours it takes to see a movie. I can shut the phone off or leave it in the car for two hours without getting the shakes.

Deadline.com reported that at least one theater owner agrees with me.

“Tim League is CEO of Alamo Drafthouse — a small chain that makes a point of throwing out customers who talk or text during a film. ‘Over my dead body will I introduce texting into the movie theater,’ he says. ‘I love the idea of playing around with a new concept. But that is the scourge of our industry. It’s our job to understand that this is a sacred space and we have to teach manners.’ He says it should be ‘magical’ to come to the cinema. But Miles shot back that ‘one person’s opinion of magical isn’t the other’s.’”

Perhaps Miles should find a field of work in which she can exercise her derision of other people’s opinion of magic, such as divorce lawyer or puppy kicker.

Rudeness is a big enough obstacle to keep some people away from the movies. Encouraging rudeness by opening the floodgates for texting and using the phone is a quick way to sour an art form that should be about communal experience, not individual boorishness.

Michael S. Miller is editor in chief of Toledo Free Press and Toledo Free Press Star.

Countertop Shop ‘decided not to participate’ in recession

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Mike Langenderfer and his daughter, Melissa Langenderfer, run the Countertop Shop in Holland. Photo by Sarah Sobel-Poage

Mike Langenderfer, owner of The Countertop Shop, credits his business’ best year ever, in 2011, with one simple decision.

“We took a look at the recession and decided not to participate,” Langenderfer said. The shop’s success story is being featured in the June issue of Stone World, a trade magazine on stone usage.

The store increased sales from 2010 to 2011 by 29 percent, something Langenderfer credits to the business’ superior customer service. “That’s pretty much how we’ve grown the business. We harp about customer service. One in a 100 times, [a phone call] will ever go to voicemail,” he said.

The Countertop Shop is largely a family affair. Langenderfer’s wife Karen runs the administration, accounting and payroll while daughter Melissa orchestrates operations, scheduling and purchasing. Son Nick participates in the sales part of the operation.

This isn’t the family’s first foray into business. In the late ’80s, the couple had a small sign company and later a cabinet company. In 2001, the Langenderfers bought a small countertop business and slowly began to phase out the cabinet side of the business by 2003.

Langenderfer found that countertops were a unique business. “Countertops are not a need item. They’re a want. When people come in to buy a countertop, they’re here because they want to buy a countertop. They’ve already thought about it,” the owner said.

 

Mike Langenderfer and his daughter, Melissa Langenderfer, of The Countertop Shop.

The store offers an assortment of fabrication options from laminate to natural stone for wholesale, commercial and residential use. About 50 percent of business comes from remodeling, 25 percent from new homes and another 25 percent from light commercial work.

Despite the store’s recent successes, 2009 was a different picture. The Countertop Shop had been a major retailer’s go-to place for custom countertops in the area, but in 2009, that company began having countertops for the state made in Columbus. This resulted in a 25 percent loss of revenue for The Countertop Shop.

In spite of the tough times and through persistence and customer service, the store largely rebounded. Langenderfer credits some of that to his flexibility with clients. “We try to be as flexible as possible and work with the customer,” he said, adding that means long days and working weekends.

The shop also carries superior brands. “Part of it is we offer the name brand counters,” Langenderfer said, adding however, “We’re in the business to sell countertops, we’re not in the business to sell a brand.”

Even with 2011 being its best year ever, the store is already ahead of where it was financially last year at this time. “Our business has skyrocketed in the last couple months. We need more space. We need more help,” Langenderfer said of the shop that employs about 20 people. He said he is seriously considering moving to a bigger space near by and hiring five to six new people.

Langenderfer, a former U.S. Marine captain, is also thrilled about his business’ inclusion in Stone World.

“I’m excited about it. I get Stone World magazine every month and the best part is reading about other fabrication shops they get in there. That’s a big feather in our cap,” he said.

The Countertop Shop is located at 10406 Geiser Road, Holland. For more information, visit the web site www.countertopshop.net.

 

Toledo Free Press Senior Business Reporter Duane Ramsey contributed to this report.

ProMedica partnership with Miracle League is big hit

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From left, Jim Murray, member of ProMedica Board of Trustees; Penny Staelin, wife of Stephen H. Staelin, chairman of ProMedica Board of Trustees; Willie Horton, former Detroit Tigers left fielder; Joe Napoli, Mud Hens president/general manager; and Larry C. Peterson, vice chairman of ProMedica Board of Trustees, at the April 26 ‘Take Me Out to the Ball Park’ event. -- Photo courtesy ProMedica

For Schyler Young, the 13-year-old daughter of Scott and Stacey Young, life is a wonderful adventure.

Schyler is a huge Mud Hens fan, and although she is developmentally and cognitively delayed with vision and hearing problems, nothing stands in the way of her rooting for the Hens.

“She can sit right up in front of the TV, with her face to the screen, and she can listen to the whole game,” her father  said. “It makes her happy. It’s a bright light in her life.”

And thanks to the Miracle League of Northwest Ohio, Schyler also enjoys playing baseball. Schyler is one of 70-plus special needs children who play an eight-week season at a baseball field about 500 yards behind Northwood Fire Department Station No. 1 in Northwood.

Take Me Out to the Ball Park

Schyler’s baseball season was celebrated a few weeks ago when, on April 26, ProMedica hosted its fourth annual sports night, “Take Me Out to the Ball Park.”

At the evening fundraiser attended by an estimated 270 people, former Detroit Tigers left fielder Willie Horton spoke about his life and the role baseball played in his development.

“He talked about our organization a little bit and how worthwhile a project he thought it was,” said Jeff Barton, Miracle League of Northwest Ohio president. “He knows the role baseball played in his life. He knows the type of development sports plays in a child’s life.”

Healthy lifelong development is important to ProMedica and the Miracle League organizations, said Janet Krzyminski, executive director of the Wildwood Orthopedic and Spine Hospital Foundation.

From left, Jim Murray, member of ProMedica Board of Trustees; Penny Staelin, wife of Stephen H. Staelin, chairman of ProMedica Board of Trustees; Willie Horton, former Detroit Tigers left fielder; Joe Napoli, Mud Hens president/general manager; and Larry C. Peterson, vice chairman of ProMedica Board of Trustees, at the April 26 ‘Take Me Out to the Ball Park’ event.

One of ProMedica’s goals with the fundraiser was to “find a partner charity that met our mission, which is to promote health and well-being,” Krzyminski said. “[Our support of the Miracle League of Northwest Ohio] is not a one-time thing. We have made a commitment to work with the children who are served by the Miracle League.

“Throughout the year, our employees will volunteer their time. This partnership helps our philanthropic mission, which is to promote volunteerism among our employees.”

The Miracle League

The Miracle League of Northwest Ohio was established in 2005, when Barton was moved by the birth of his and his wife Lisa’s first child, Vincent, 6.

At that time, Barton was working at a home for adults with mental retardation, where he  said he witnessed the frustration of the parents of special needs adults who didn’t have many extracurricular activities in which they could participate.

“I knew many of them growing up were never a part of a team, never played sports because they never had that opportunity,” Barton said. “So when my son was born, a healthy, typical kid, I started to think, ‘What if he was special needs?’ I would want him to have something to participate in, and one of those things I thought I’d want him to be involved in is baseball. It’s something I grew up with.

“When you have a special needs child, it’s almost like having a full-time job in itself, just in the care of that child. I didn’t think that just because I didn’t have a special needs child should prevent me from moving forward with this idea.

Barton convinced his wife and some of their friends to join him in the project.

“I had the time to pursue something like this,” Barton said. “Many of my friends who have special needs children say they would have done this a long time ago if they just had the time to devote to it.

“And in many cases, they simply don’t. My wife and I were blessed with two healthy boys, and so we decided to do something for kids that want to play baseball that may not have the opportunity to do so.”

The children in the program come from the Greater Toledo area, Oak Harbor, Findlay, Tiffin and Southeast Michigan. The special needs children in the program have both physical and cognitive disabilities.

“Special needs can be a broad term,” Barton said. “What I tell people is, ‘Hey, if they’re, for whatever reason, not being included in typical leagues in their hometowns, they can come to the Miracle League and play. We don’t exclude anybody.”

Participation in the baseball league is not limited to any one group of people. Barton’s children also play in the Miracle League.

“I think it’s important for them to grow up around people that are different or are perceived to be different,” Barton said. “It’s good for them. They have a blast doing it anyway, so it’s a league for everybody. Inclusion is a big message with our league.”

Scott Young  said he appreciates the volunteers who work with his daughter, especially baseball players from high schools like St. John’s Jesuit who volunteer their time and talents.

Other volunteers involve themselves in fundraisers like the 5K run/walk, which generates about $4,000 a year, and the golf outing, scheduled for June 8, which raises around $10,000 a year.

Although fundraising is an important activity of the Miracle League, the organization has been able to operate on a budget of just under $10,000 a year.

Barton said it’s most important to focus on the special needs children.

“It’s just about being a kid. A lot of kids grow up wanting to play sports, wanting to be included, wanting to be seen for their abilities. And that’s what this league allows them to do,” he said. “Rather than for these kids to be seen for their disabilities or their special needs, this league is a chance for them to come out and show people what they can do, and for a lot of them, it’s a thrill.

“What I tell people is, ‘Just remember what it’s like when you were a kid growing up playing in sports leagues. Think how different you’d be today if you didn’t have those opportunities.’

“I talk to the friends I grew up with, and I say, ‘You remember when we played baseball or football. They cherish those moments. And that’s what we’re trying to provide to these kids — just some memories of something they did in their childhood that they can look back on fondly.”

Barton is adamant that the Miracle League’s success is directly tied to ProMedica’s ongoing support.

“ProMedica has been a great supporter of the Miracle League. I approached them in 2007. When we initially met with them, I had no money. I had no major sponsors,” Barton said. “I was just some guy trying to get this field built. But I knew I had to get some major supporters involved, and ProMedica took a risk with us.

“When we got ProMedica’s support, things just seemed to fall into place. When they came on board with us, it gave us the legitimacy that we needed. They’ve been so great to work with, and we’re lucky to have them.”

ProMedica officials reported that the “Take Me Out to the Ball Park” event raised about $90,000 through sponsorships, ticket purchases, silent and live auction proceeds and vendor community partnerships. The foundation’s board of directors will meet in late May to decide how much money ProMedica will donate to the Miracle League.

Church worshippers to flock to Huntington Center

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Eric Church will bring Blood Sweat and Beers country music tour to the Huntington Center. Photo by John Peets

It wasn’t too long ago that Eric Church was playing bars and clubs. That’s when he started wearing that black cap and those sunglasses.

“The band, it was kind of a joke, they started calling me ‘Chief’ because I’ve got those mirrored, kind of police shades, and it became a nickname that stuck,” he said. “They didn’t know that was my grandpa’s nickname; he was chief of police for 35 years in the town I grew up in.

“And I just loved how without them knowing it, it was always his nickname and it became my nickname naturally. And it was fitting when it came time to title this record. It paid homage to the live show, but it also paid homage to what he meant to me.”

While he has several pairs of shades, there’s only one hat.

“There’s just something about the hat. I found it at a truck stop, and I’ve never seen another one. I’ve thought if I lose the hat, the career’s over,” the country singer joked during a call from Nashville.

Church’s career has skyrocketed since his third disc, “Chief,” debuted at No. 1 on the Billboard Top 200 last year.

“It’s like all of a sudden somebody flipped a switch and you’re headlining and in our case filling out arenas,” he said. “It’s been overwhelming at times to see the number of people out there and think about what we came from and how fast we got to where we are in the last year’s time.”

Church will bring his Blood, Sweat & Beers Tour to Huntington Center for a 7:30 p.m. concert May 10, 2012. Brantley Gilbert, who sings “Country Must Be Country Wide,” will open. Remaining tickets range from $32.75 to $40.50.

 

Eric Church

“Drink in My Hand,” the second single from “Chief,” became the North Carolina native’s first No. 1 song.

“It’s amazing how few people can see the stage from my vantage point; from my vantage point, I get to see the crowd — they get to see me, but I get to see them, and there are certain songs that they’re amazingly coordinated with their beers. They’ll go left, they’ll go right, it’s almost synchronized, and sometimes it’s humorous to see,” Church said.

“We came off stage and one of the songwriters in the group said, ‘Why don’t we just put a drink in their hand?’ and the song was born basically from just watching the crowd.”

“Springsteen” is based on the country star’s first amphitheater concert.

“I was around 15, 16 years old, and you know it’s the first time you don’t go to a concert with your parents. You spread a blanket up on the lawn, you buy the cheap tickets, you’re involved with whatever buddies are up there, you’re not old enough to drink beer so you’re borrowing beer from the people on the lawn,” he recalled. “There was a big group of us, but there was a girl I had my eye on, and it ended up being a night that we hung out, we talked and got to know each other. And we didn’t last very long, but till this day when I hear that artist’s songs, I think about her.

“And for me, it was not Bruce Springsteen; I’ll never say who my artist is because I want everybody to have their own artist. I picked Springsteen as the palette for the song because of how Bruce defined an era. Chances are from 1980 to 1989, Bruce was probably your guy in America, and I love the way he built his career. I love his songwriting.”

The 35-year-old also loves old-school country — and rock.

“You couldn’t be a child of the ’80s like I was and not listen to rock n’ roll — AC/DC, Metallica, even stuff like Iron Maiden, Pantera,” he said.

So it’s fitting Church will play Metallica’s Orion Music + More Festival in June.

“I’m excited and a little bit apprehensive, ” he said. “We’re the only country act in there. It’s a great honor; I’m flattered to do it. I just hope they don’t kill me.”

The country outlaw is used to going his own way.

“I was proud with ‘Homeboy’ when ‘Chief’ debuted No. 1 in the world. ‘Homeboy’ was a pretty deep song; it wasn’t by any stretch an easy radio hit, and we decided for that reason it was the first single off the record. I wanted people to know we didn’t change what we did, and we still had the No. 1 record in the world,” he said.

“We actually made music that said something; we made music that took a stand. And those things still work even when everybody said they wouldn’t. You can still have a career; you can still sell records; you can still sell tickets by doing something a little bit different.”

Miller: Glass City Hunger Games

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Cover illustration by Don Lee

“I’m Jerry Anderson.”

“And I’m Lee Conklin. Welcome to WTOLWTVGWUPWNWO’s coverage of the 2015 Glass City Hunger Games!”

Anderson: “Indeed, Lee, and this is the third annual contest, which was initiated in 2012 by Toledo Free Press Editor in Chief Michael Miller, just before his tragic death in that incident at the Tim Hortons drive-thru.”

Conklin: “That was a glaze-covered tragedy, but his legacy lives on in this adaptation of the Hunger Games, in which Toledo’s leaders face off in a battle to the death, all for our entertainment.”

Anderson: “Now, we should stress that the competitors are actually using avatars, so there will be no true harm or injury to the actual people involved.”

Conklin: “That’s right, Jerry. To remind viewers of our premise, we have 24 participants from districts in Northwest Ohio. They will compete in an atmosphere-controlled dome with weapons supplied by sponsors, in a battle to the death. The sole winner in this live, televised tournament will receive a Tony Packo’s gift basket, stock in First Solar, an autographed Crystal Bowersox CD and absolute ruling power over the enslaved citizens of our region until the 2016 Glass City Hunger Games.”

Anderson: “Minor problems in the dome today as the solar panels that power the lighting are flickering, but everything seems to be working now. We’ve already seen the parade and interviewed our combatants, so we’re just seconds away from the battle. Let’s go down to the field and hear from Chrys Peterson and Diane Larson, who were genetically fused into one anchor after our recent media merger.”

Conklin: “Great story of corporate synergy there, Jerry, especially when you remember that they used elements of Shaun Hegarty to give Chrys and Diane that ginger glow.”

Chrys/Diane: “We’re here before the big battle begins, with Councilman Tom Waniewski and 2014 Hunger Games champion, State Rep. Michael Ashford. Michael, how do you rate the competition this year?”

Ashford: “I respect the competition, especially Vice President Joe the Plumber, who knows how to use so many of these tools of destruction. I am hoping he exits early but he’s been underestimated before.”

Chrys/Diane: “Tom, there was a great deal of criticism of the violence in last year’s games, and you were at the heart of that when you decapitated former mayor Carty Finkbeiner with that Imagination Station bookmark.”

Waniewski: “As you know, Chrys/Diane, I am opposed to this travesty of an event, but I’m not afraid to get my hands dirty to win it for the people of this city.”

(Cannon booms)

Anderson: “And this just in, before the games even begin we have an early exit, as Councilman Phil Copeland has been disqualified for not showing up to compete.”

Conklin: “Not really a surprise, Jerry, but there may be more news as Councilman George Sarantou just stole Copeland’s supply of nightlock berries to make baklava. If he eats those berries, he’ll be out before the games begin!”

Anderson: “Ah, but look, Lee, George is offering those nightlock baklava desserts to Lucas County Commissioners Carol Contrada and Pete Gerken. They may see it as a sign of alliance, but, oh, oh, there it is, both commissioners took a bite and are now writhing in agony on the ground, foaming at the mouth.”

Conklin: “Let’s get a close-up shot of that for the viewers at home.”

Anderson: “Three contestants gone and we haven’t heard the opening bell yet!”

Conklin: “Speaking of Bell, the mayor looks ready for combat in his Chinese brigandine, practicing his wushu moves. (Trumpets blare) And the 2015 Glass City Hunger games have officially begun!”

Anderson: “The 21 remaining combatants are racing toward the cornucopia, which contains weapons, water and food items … Oh! Councilman D. Michael Collins just impaled Lindsay Webb with the sharp edge of a metal ‘tornado shelter’ sign!”

Conklin: “Yes, Jerry, it looks like Webb’s avatar is going to bleed to death on the field, which is ironic when you think about the depleted blood supply in Northwest Ohio as the Red Cross union strike enters its fourth year.”

Anderson: “On the other side of the field, Councilman Joe McNamara and Sen. Edna Brown are going at it, punching and kicking and throwing down in a ballot box rematch!”

Conklin: “It’s the kind of bloody battle that makes these games draw the big ratings, Jerry, and look at that! Brown just knocked McNamara to the ground, but he is still taking swings and trying to get the best of her.”

Anderson: “He’s a scrapper, no question. Brown is moving in for the kill, but she better watch out, because sneaking up behind her is Rep. Marcy Kaptur.”

Conklin: “Oh! Kaptur was just about to plant a knitting needle in Edna Brown’s back when Edna ducked, and McNamara ninja-tossed 200 American flag pins right toward Kaptur’s avatar’s jugular!”

Anderson: “Amazing, Lee, but as Kaptur hit the ground, a wig and mask fell off to reveal former County Commissioner Ben Konop! Sneaky way to get into these games!”

Conklin: “And look, more than 50 of McNamara’s ninja pins have flown across the field, mowing down politicians like a tornado cutting through a trailer park! Down goes Teresa Fedor! Tyrone Riley falls! Down goes Steve Steel! Sherrod Brown is out!”

Anderson: “A stunning development! Mike Craig is down! Bob Latta falls! Paula Hicks-Hudson is down! Waniewski staggers near Sarantou, but as they head for shelter for weapons — it looks like Sarantou was reaching for a rhino horn — Rob Ludeman takes them both out with a Danberry Realty sign! It’s a GOP meltdown! What a mess — it’s too bad avatars don’t qualify for domestic partner benefits and health care.”

Conklin: “And the Gamekeeper has released a wild card! There’s a lanky towheaded Tracker Jacker wildly dancing and brandishing a blade, but no one seems to be paying attention to him. His blade just doesn’t seem to be intimidating anyone. Oh — the Tracker Jacker just fell and impaled himself.”

Anderson: “Lee, I see an alliance of Adam Martinez, Tina Skeldon Wozniak, Rob Portman and Anita Lopez trying to make a break for the woods, but Ashford was waiting in a tree with a crossbow and he’s picking them off one by one!”

Conklin: “Let’s go to Chrys/Diane, reporting from the field.”

Chrys/Diane: “It’s a bloodbath down here, as a camouflaged Clerk of Courts Bernie Quilter just rose out of the woods and started racing through the field, cracking heads with his bare hands! He took Ashford’s crossbow and pushed him out of the tree! Now he’s shooting arrows like a demented Cupid! McNamara is out! Edna Brown is out! He’s taken out all the survivors! Bernie Quilter may be our winner!”

Conklin: “But wait, we only count 22 avatar bodies on the field. Someone is missing … Look! As Quilter steps around the bodies, Mike Bell rides into the arena on a motorcycle and runs Quilter through with chopsticks! It looks like Bell will win the 2015 Glass City Hunger Games!”

(Solar panel lights flicker and go out, plunging the arena into darkness)

Conklin: “We’ll have to wait for the lights to come back on to interview the 2015 champion.”

(Lights flicker and turn on)

Anderson: “That’s better! Now we can talk to Bell about his stunning victory! But wait! D. Michael Collins has pulled himself from the carnage and is challenging Bell!”

Conklin: “It’s a life-and-death battle for a Tony Packo’s gift basket, stock in First Solar, an autographed Crystal Bowersox CD and absolute control over us all! Collins is swinging and lunging with his tornado shelter sign, but Bell’s Changquan practice is paying off.”

Anderson: “Collins just won’t go away, he’s making his Marine legacy proud, but Bell is brandishing a qiang. He must have ice water in his veins, because he is approaching Collins like Clint Eastwood in an old Western movie!”

Conklin: “Bell is just brushing aside Collins’ strikes! He’s taken the qiang and … oh!”

Bell (facing Collins): “Ask not for whom the Bell tolls, *****! I toll for thee.”

Anderson: “Oh my! Collins is down! Bell is the 2015 Hunger Games champion! Let’s cut to Chrys/Diane.”

Chrys/Diane: “Mike, congratulations! That was a great strategy, staying above the fray until the last minute!”

Bell: “Thanks, Chrys/Diane! I credit my Harley and the teachings of Wushu Master Liu Xiao Ling. As my first act, I’m going to free all the citizens of Northwest Ohio and restore respect and cooperation into our political process. Hey, you two don’t look comfortable sewn together like that. Want me to put you out of your misery?”

Chrys/Diane: “Would you, please?”

(Bell raises the qiang)

Chrys/Diane: “This is Chrys Petersen … and Diane Larson … signing off.”

Conklin: “Well, Jerry, it looks like the 2015 Glass City Hunger Games are going to bring long-awaited freedom to Northwest Ohio.”

Anderson: “At least for one year, Lee. At least for one year.”

(Solar panel lights flicker)

Michael S. Miller is editor in chief of Toledo Free Press and Toledo Free Press Star

Cover illustration by Don Lee.

Slapdash gourmet: Sip and cycle at Fête d’Eté wine dinners

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For some of us, the words “bike tour” bring to mind impossibly lean cyclists bent over impossibly slender racing bikes, gritting their teeth as they power up steep inclines and steering to avoid crashes on the way down. But imagine a different kind of bike tour, one in which participants kibitz about the delicious appetizer and perfectly paired wines they’ve just enjoyed, as they ride on to another restaurant for their next course. Sound like your kind of tour? Then oil up your bike and get your ticket for the Fête d’Eté, a pedaling progressive dinner featuring the wines of Anne Amie Winery in Willamette Valley, Ore.

Touted as being “unlike any dinner you’ve ever ridden,” the Fête d’Eté  — French for “festival of summer” or “summer party” — will take place in four cities on consecutive nights, starting in Ann Arbor on May 14, 2012. The event will then move on to Toledo, Cleveland and Columbus.

The Fête d’Eté puts a new spin on the traditional winemaker’s dinner, typically a straightforward evening featuring a multicourse meal and matched wines all in one place.  Adam Mahler, president of Ampelography Wine Marketing and local organizer of the event, said the change of format was meant to liven things up and reacquaint participants with their cities’ landscapes.

“The event has been embraced by the restaurants in each community,” Mahler said. “Everyone has worked together to bring a freshness and energy to a format that can often seem stuffy or intimidating.”

Thomas Houseman and Kimberly McLeod, Anne Amie’s winemaker and national sales manager, respectively, will be riding along and educating diners on the wine at each stop.

Cost of the event is $75 all inclusive, and each rider will receive a Fête d’Eté T-shirt designed by Toledo’s Glass Wear. Rides will be no more than seven miles round trip. Participants must provide their own bicycles, and each ride begins at 6 p.m. The Fête d’Eté schedule is:

  • May 14, Ann Arbor: Vinology, Sava’s, The Earle, Palio.
  • May 15, Toledo: The Toledo Museum of Art, Mancy’s Steak House, Real Seafood Co., Rockwell’s at the Oliver House, Registry Bistro.
  • May 16, Cleveland: Flying Fig, Fat Cats, Ginko, Noodlecat, SOHO Kitchen & Bar.
  • May 17, Columbus: Barrel & Bottle, Alana’s, Till, Rigsby’s Kitchen.

Tickets can be purchased at www.anneamie.com/biketour. Tours are limited to 30 cyclists, so early reservations are encouraged.

Treece: News of economy’s demise greatly exaggerated

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Though it’s been the major topic of discussion in our articles and radio spots for the past several weeks, we feel obliged remind investors of the climb in stock prices that has led them back to pre-crash highs. Why do we feel obliged, curious readers may inquire? It’s simply because despite their recent success, which flies in the face of a pessimistic investing public and doomsday commentators, stocks continue their ascent.

Clearly the markets know something that neither media pundits nor the average investor do.

Time and again I’ve written that things are looking up for the U.S. economy, and therefore the markets as well. It seems futile at this point, but we’ll remind Glenn Beck yet again that the premises of his economic outlook are flawed. No, the dollar isn’t going to collapse; no, people aren’t going to be living on farms and forced to grow their own food; no, ammunition should not be the cornerstone in a successful retirement plan.

The future looks bright for the economy and the world’s financial markets, and that’s something we can all appreciate after the lost decade that we’ve just suffered. In fact, what we’re just now emerging from has truly been the perfect storm for baby boomer retirements.

For a strong example, look no further than the suffering of 401(k) plans.

Not many people understand that the 401(k) plan is relatively new. The idea emerged from a provision in Internal Revenue Code that came into being in 1978 — so 401(k)s are still in their infancy, and are continuing to evolve.

During the 34 year history of the 401(k), the U.S. stock market hasn’t really made any substantial gains for roughly 12 of those years. Of course, it also hasn’t helped that the evolution of such employer-sponsored plans has moved largely in the wrong direction.

The past 10-15 years have seen retirement plans limit investment options, mostly with broad blended funds as opposed to sector-focused investments. More recently, target date funds have become popular, although few people understand their inner workings. All of this has been done in an attempt to “dumb down” retirement plans for employees, but in the end all the padding has stunted investors’ account growth.

The last serious drawback, which is thankfully nearing an expedient correction, is the lack of transparency in employer-sponsored plans. Many employers have historically had no idea what they were truly paying for plans.

Now, due to a change in disclosure rules that takes effect this summer, many employers are just now finding out — and very few are happy. Most are realizing that they’ve been overpaying and that they’ve been getting terrible service considering the fees that are built into their plans.

For most plans, employees have been forced to deal with 800 numbers and automated answering systems. Sure, a company might get an annual checkup from a low-level “account executive,” but they aren’t meeting with anyone who can provide any real insight, much less any kind of read on where the economy is headed.

In other words, they’re never meeting with those actually responsible for managing their money, nor are they getting any information that can help them make decisions themselves. They are flying blind. And that’s why we produce our endless stream of columns, radio spots, TV interviews, podcasts and so on. Our firm manages money for both individual and institutional clients (like 401(k) plans), but for those who choose not to use us, we hope to at least provide some guidance on where the world is heading, so investors can make somewhat informed decisions on their own.

After all, that’s certainly more than they’ll get in an annual afternoon of glad-handing with a representative of their 401(k) provider.

 

Dock David Treece is a partner with Treece Investment Advisory Corp (www.TreeceInvestments.com) and is licensed with FINRA through Treece Financial Services Corp. He provides expert content to numerous media outlets. The above information is the express opinion of Dock David Treece and should not be construed as investment advice or used without outside verification.

 

Wurzelbacher: Veterans deserve more respect from Kaptur

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Not long ago, my opponent in Ohio’s 9th Congressional District race, Rep. Marcy Kaptur, used her Congressional website to take Republicans to task for not being “sensitive” about “the plight of unemployed returning veterans.” She was angry that the House of Representatives had rejected her proposed amendment to the 2013 budget.

The amendment would have established a Veterans Job Corps, which she claims “would employ at least 20,000 veterans over five years in projects to preserve and restore America’s national parks, state parks, and other public lands.”

This idea may sound good on paper. But it ignores several important questions that involve sensitivity, common sense and responsible government.

No. 1: Who was being more sensitive, thoughtful and responsible here? House Republicans who want to reduce out-of-control federal spending, borrowing and deficits — and reduce the size and intrusiveness of a federal bureaucracy that has become a massive legal and regulatory drag on our economy and job creation?

Or an out of touch Democrat politician who is determined to keep borrowing, spending and growing our government — and who rejects our veterans’ military backgrounds and wants to turn them into federally employed landscapers and groundskeepers?

Is Kaptur suggesting that the military training and hands-on experience our veterans acquired during their time in service isn’t good enough? Or that these jobs are the best they should expect? Or does she just not respect their service and training?

Kaptur and her campaign staff certainly don’t respect my own military training. That’s obvious from the way they call me a “faux” plumber. Are all our other veterans “fake” in their jobs too? Kaptur’s campaign has denied my military experience several times before, each time proving that she and her staff don’t respect veterans and our military experience.

This lack of respect goes a long way toward explaining why Kaptur is so willing to turn this nation’s soldiers into landscapers and groundskeepers, when instead they could be transitioning to productive civilian lives in trades for which they have already received training. Heck, a few might even make pretty good plumbers.

No. 2: What this nation needs — and what our veterans need, so that they can find good jobs — is an economy that is growing. Last year, growth didn’t even reach a lousy 2 percent. Our economic growth needs to get back to 4 or 5 percent a year, every year.

For that to happen, government needs to stop borrowing and spending the money the private sector needs — the money private businesses would invest in new equipment, new hires and new ideas far better than government ever can. Government also needs to stop taxing and regulating everything in sight, dragging our economy down, far too often for no health or environmental benefit.

Congress and the federal bureaucracy also need to stop wasting taxpayer money on worthless fake-energy wind, solar and algae schemes — and start letting companies drill again for oil and gas that power our economy and create real jobs and revenues.

Just over the past few years, oil and natural gas “fracking” on state and federal lands created 600,000 jobs! It generated real energy that we can use, and billions of dollars in revenue! And here Kaptur is upset that the House rejected her proposal to borrow more money to create a lousy 20,000 menial jobs.

According to the Bureau of Labor Statistics, “young male veterans” between the ages of 18 and 24 had an unemployment rate of 29.1 percent last year. Non-veteran males in the same age group had “only” a 17.6 percent unemployment rate — which is also intolerable, insensitive and unnecessary.

It’s clear that America is in a crisis — which almost everyone outside of Washington, D.C., realizes. Kaptur, along with most other Washington politicians and bureaucrats, however, is isolated and insulated from this crisis. Both they and we should all be asking: Why are veterans, with all their training and experience, so much worse off than non-veterans, after having served and sacrificed so much for their country? And how much longer can we tolerate this destructive situation?

Yes, Congress has tried repeatedly (and failed repeatedly), to “fix” the unemployment problem. But little has been accomplished beyond partisan bickering and political grandstanding. While our political “heroes” keep talking about unemployment, America’s real heroes continue returning home to live it.

We need to focus on getting excessive government out of the way, so that the private sector can create jobs for our veterans and the millions of other Americans who so desperately want to work again.

A soldier understands one thing above all others: results. Congress, as history continues to prove, doesn’t understand this concept. Worse, too many politicians keep coming up with crazy ideas that they think will get them votes — when what they will really do is make sure the problems remain unsolved. They obviously have no clue what they’re doing.

Veterans deserve better than a 29 percent unemployment rate. Veterans deserve better than politicians who don’t respect what they went through and what they learned from military life.

Veterans deserve respect, and an appreciation for what they’ve done for their country.

Most of all, veterans deserve to be represented in Washington by people who understand and respect what they did, what they do, what they know and what they have to offer their country when their military service is over.

 

Samuel “Joe the Plumber” Wurzelbacher is a Republican candidate for Congress in Ohio’s 9th Congressional District. Wurzelbacher rose to national fame as “Joe the Plumber” when he challenged then-candidate Barack Obama on his plans to increase taxes for the middle class. Since 2008, Wurzelbacher has spoken nationally in support of blue-collar workers, encouraging voters to get engaged in the political process. 

 

Editor’s Note: Rep. Marcy Kaptur has also been invited to submit guest columns to Toledo Free Press.

Death raises questions of elderly self-neglect

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Carlene McNeil -- photo courtesy Julie McNeil

This is a story about a woman who did not get help.

She did not ask for help. Some hypothesize that she did not want help.

No one around her was required to help.

Not the neighbors. Not the apartment complex management. Not the maintenance staff.

Carlene McNeil spent the last weeks of her life holed up in her apartment at Pelham Manor — a rental housing complex that caters to low-income individuals who are 62 years old or older — with no working light bulbs. A broken toilet seat. Trash heaped all over the floor, some of it stained with blood. No sheets on her mattress. Her 5-foot-9-inch frame had withered to 85 pounds.

Each room at Pelham Manor has a pull cord for emergencies. McNeil did not pull that cord. The management encourages residents to hang a sign on their doorknob at night. Someone will check on them if the sign still hangs by 11 a.m. the next day, according to the tenant handbook.

McNeil did not use that sign.

The neighbors noticed newspapers piling up at her doorstep. They noticed that she looked ill when they saw her in the laundry room. They visited the front desk multiple times asking the staff to check on her.

But the staff could not, said Eileen Gates, director of Pelham Manor. They could call to ask if she was all right. They did once and she said she was fine. They tried again a couple of days later and left a message. They tried a third time before they went to her room March 6 and forced themselves inside to find her dead at age 79.

Standards

A social worker at the complex, located at 2700 Pelham Road, typically meets with each resident in her office to educate them about services. A nurse stops by every Monday to check blood sugar and pressure and to make referrals. But if a resident doesn’t ask for help, there’s not much the management can do, Gates said. Privacy is the primary concern.

“They don’t want to feel like they’re living in a nursing home,” Gates said.

The staff can enter apartments if they suspect trash is building up, she said. Policy states that the staff may also conduct unannounced inspections to respond to complaints of “strong odors, evidence of rodent or insect infestation, appearance of water, or other cues that signal unsanitary or unsafe conditions.”

The U.S. Department of Housing and Urban Development (HUD) designates the site as an approved Section 8 facility, meaning that many of its residents are HUD subsidized and the apartment complex must adhere to a set of standards.

The owner of the property is responsible for enforcing the terms of the lease regarding “decent, safe and sanitary” housing. But the owners are not responsible for problems within a resident’s unit that are not reported to management between inspections.

Section 8 sites are inspected every one to three years. Pelham Manor has passed all of its inspections going back several years, said Laura Feldman, spokeswoman for Region 5 of HUD, which includes Toledo.

“We’d never expect someone to live in anything not sanitary,” Gates said. “But we could have evicted [McNeil] because of her housekeeping.”

She said McNeil did not make maintenance requests and would seldom let anyone enter her apartment. Even when the maintenance staff brought bedbug-sniffing dogs to each unit, McNeil refused to let them in, Gates said.

The only time anyone from the management could enter her apartment was during annual inspections.

The few times the maintenance worker saw the interior of McNeil’s apartment, he mentioned to the office how dirty her space had become but Gates said she thought he was exaggerating. She had a “really strange living style,” Gates said, pointing out that McNeil had no furniture and slept on a pad on a floor for much of her time at Pelham Manor.

She didn’t have a bed for years.

Self-neglect

McNeil’s neighbor Charon Adams questioned where the line should be drawn.

“The privacy rule is fine with healthy, young residents,” Adams said.

Adams had noticed something amiss with her neighbor. McNeil had stopped taking the bus to go shopping and had stopped leaving her apartment.

She had attended a group once every three weeks in which members would gather to educate each other about history, art, music, education or science. She stopped going to those, too.

But even when she was healthier, when her friends would come visit her, she’d either meet them in the laundry room or ask them to wait outside for her, said her friend Genie Waggoner, who participates in the group.

This case is not all that unusual, said Emilie Owens, vice president of nutrition and wellness at the Area Office on Aging of Northwest Ohio.

When older adults begin to have problems, their reaction is often to conceal it. If unable to maintain cleanliness in their dwelling, they might become ashamed and reclusive so others remain unaware. Hoarding can even become a source of comfort for some older adults who do not have close family or friends, Owens said.

“They accumulate lots of stuff and that becomes what they have a relationship with,” Owens said.

Or, Owens said, older adults who have spouses may cover for each other. For example, if grandma falls ill, grandpa might agree to lie to family members about her well-being.

But for the peers and family who see through these attempts, there is Adult Protective Services (APS). Self-neglect is the most reported type of elder abuse or neglect in the county. The county agency took 448 suspicion of self-neglect calls from July 2010 through June 2011, compared to 105 calls reporting abuse by others, 121 reporting exploitation by caregivers and 171 regarding neglect by others.

About half of the self-neglect calls come in from neighbors, peers, family members or church friends, while the other half come from people who are mandated by law to report if they witness the problem, such as police officers or social workers, said Barbara Van Wormer, senior services coordinator for APS.

Within three days of receiving a call, an agent visits the person in question at his or her home. If that person won’t allow the agent to enter, APS can obtain a court permit. Then, the agent must assess whether the individual has the capacity to make decisions and the ability to carry them out. If not, APS must link that person to services that will help. This could be as minimal as coordinating with an in-home care provider to visit regularly to clean or cook. Or, APS might deem that the individual needs to move into a nursing home.

If the individual resists, APS works with court to obtain a mandate.

“The question is at what point is it OK for the government to say it’s not OK to live the way you’re living anymore?” Van Wormer said.

She said 189 of the self-neglect calls from 2010 — 2011 were validated. Most of the adults APS investigates are between 72 and 83 years old. And most are women.

Typical signs that should evoke concern include whether the older adult is losing weight, withdrawing from hobbies or interests, appearing less well-kept than usual or emitting strange odors, she said.

Independence and privacy

Gates said she hasn’t had to report to APS because most of the residents at Pelham Manor have family who intervene if necessary. And although the coroner’s report described McNeil as “emaciated,” Gates said the resident’s appearance was impeccable.

“I’ve heard stories where they had no idea that the person was sick or having problems until after the person passes away and then they find bandages or pads and whatever it is to make what was happening to them a secret,” Owens said.

What is the crux of this behavior?

“People think, no matter what, they have to manage things on their own,” Owens said. “Everyone has this irrational fear of nursing facilities — they would rather live like that instead of going to one.”

She cited a perception among older adults that moving into an assisted living facility is somehow giving in, or that asking for help is a sign of failure to “age successfully.” Some older adults who are healthy and take care of themselves sometimes shun those who cannot, she said.

Refusing to admit to frailties is an attempt to reject that sense of failure, she said.

Even if that older adult is showing the signs, peers are often hesitant to say anything. These reactions — whether you’re the neighbor or the older adult concealing your troubles — are rooted in common American values.

“We fought the Revolutionary War about independence — independence is extremely important in our culture,” Owens said.  “And unfortunately sometimes it is the wrong thing in terms of protecting people. But you can’t protect someone from their own choices.”

An independent woman

Waggoner, McNeil’s niece Julie McNeil and McNeil’s lifelong friend Bob Box said they thought someone at Pelham Manor should have kept a closer eye on McNeil.

Julie contacted Toledo Free Press in March, asking that her aunt’s story be shared.

Julie and her aunt had only recently began talking to each other again, after years of growing distant. But the pair had been close when Julie was a child, so she flew in from her New Hampshire home to take care of her aunt’s business after death.

She was mortified.

“Even if they’re not legally responsible — that’s not what I care about. The issue is how the heck did this happen?” Julie said. “I mean, at what point are you starving to death? She was obviously in that process. Wouldn’t you think that you’d keep an eye out for that stuff?”

Julie said the management should have noticed her aunt’s mail piling up for weeks, or the fact that she weighed 85 pounds. Julie insists her aunt must have looked unhealthy.

But McNeil clung to her pride, Julie said.

She remembers being 18 years old, sitting in McNeil’s dining room with her feet propped up on the chairs.  Julie said her aunt “opened a whole new world for her” because she was the first person who told her that she could disagree with a book, or that she could question people and have her own opinions. She and McNeil would read the Sunday New York Times together and discuss world events.

Raised in the 1930s in Toledo, McNeil attended Scott High School. She continued her education at the University of Toledo and moved to New York City shortly after she graduated. There, she became an editor at the Macmillan Publishing Company, Julie said.

McNeil was an artist and an avid reader. Fiercely independent, she never married and never had children. But when her mother fell ill, she moved back to Toledo to take care of her. McNeil went back to the University of Toledo and earned a masters degree in education in 1976. She taught grade school in Genoa and later taught English at the University of Toledo, Julie said.

She got involved in Waggoner’s group and regularly presented about Emily Dickinson, art history and other writers. Waggoner knew McNeil for years, but she didn’t know that she was struggling, she said.

“For someone who is so well educated to end up like that — that goes for a lot of people who are alone today — that is a scary feeling,” Waggoner said.

McNeil cashed out her retirement in 2003. She sold all of her valuables in 2004 and moved into Pelham Manor in 2006. The only piece of furniture she owned by that point was a table and chairs on loan from a friend.

“This has taught me a lesson that I need to prepare, if you’re going to be alone,” Julie said. “We’re all going to get old and everyone we know is going to get old — it’s just that one would hope that one could do it more comfortably.”

Box, who was best friends with McNeil’s brother since childhood, lives in Arizona. He visited Ohio occasionally, meeting McNeil for museum tours or lunches. He, too, said he had no idea that her living situation was in shambles.

Box said her excuse for not inviting him into her apartment was always that she had not unpacked from the move, so the apartment was a mess.

He said she didn’t have any close relatives nearby who could have been her caregiver or advocate and he questioned if that increased her vulnerability. He also questioned what the odds are that elderly receive care they should receive. He said everyone failed her.

“We must listen closely when one speaks and be aware of what body language might tell us,” Box said. “We all have a moral responsibility for one another’s welfare and when we cease to acknowledge this and act accordingly we are no longer a civilized society.”

As Julie moved trash bags out of her aunt’s apartment, she found a book of poetry. Her aunt had marked a poem titled “What I Learned from My Mother.” Julie paused at the irony of its words in the context of her surroundings.

“I learned from my mother how to love the living … I learned to attend viewings even if I didn’t know the deceased, to press the moist hands of the living, to look in their eyes and offer sympathy, as though I understood loss even then … To every house you enter, you must offer healing: a chocolate cake you baked yourself, the blessing of your voice, your chaste touch.”