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West Central Ohios magazine for the mature reader




A time to be social

A look back at equine help and hobby


Galettes are free-form pies that are easy and all-purpose

July 2012

Volume 10, Issue 7


Our Generations Magazine
Lifestyle/Special Sections Editor Adrienne McGee 419-993-2072 Contact Adrienne McGee if you have a story idea or if you see an error of fact.


Volume 10, Issue 7

By Adrienne McGee

Time to be social . . . . . . . . . . . . 12

Using horsepower . . . . . . . . . . . 16
By Adrienne McGee


For information on advertising in this publication, contact: Local Display/Advertising Manager Natalie Buzzard or Regional Display/Classified Advertising Manager Steve Beck

By Christina Ryan Claypool

Silver-haired business owner . 14

Seasonings . . . . . . . . . . . . . . . . . 4 Sports Spot . . . . . . . . . . . . . . . . . 6 At Our Age Q&A . . . . . . . . . . . . . . 8 Travel . . . . . . . . . . . . . . . . . . . . . 10 Your Money . . . . . . . . . . . . . . . . 23 Events calendar . . . . . . . . . . . . 18

Our Generations Magazine is published monthly by The Lima News by the first of every month. Address correspondence to The Lima News, 3515 Elida Road, Lima, OH 45807, Attn: Our Generations Magazine. Our Generations Magazine is available free at libraries, supermarkets, retail stores, assisted living center, hospitals and other outlets. Our Generations Magazine all rights reserved. No portion of Our Generations Magazine may be reproduced without the written consent of the publisher of The Lima News.

On The Cover:
Annie Mae Woodley (center) and Dixie Hayes share a moment to chat during the Senior Luncheon Series held at Bradfield Center. Craig J. Orosz The Lima News

On My Mind . . . . . . . . . . . . . . . . 3
By Adrienne McGee By Jill Campbell

Portrait . . . . . . . . . . . . . . . . . . . 20

For Fun
Crossword . . . . . . . . . . . . . . . . . 22
Our Generations Magazine July 2012

On my mind
Adrienne McGee Lifestyle/Special Sections Editor
ummer always brings to mind fond memories for me. Once the weather heats up, I remember swimming as a kid at family cookouts and reaching into the ice chest for my thenfavorite black cherry pop. It was beautiful on a sweltering hot day after my 8-year-old self had worked up a good appetite and thirst in the pool. It didnt matter that it was store brand. It didnt matter that we girls had our wet ponytails plastered to the sides of our faces as we stood at the edge of the deck, dripping as we drank. It was summer, and life was good. The hottest days of the year, the really sultry ones, seemed to come when we had major events planned. The Fourth of July holiday was always 110 degrees, cooling off only slightly after dark, or at least it seems like it. As my brother and I oohed and ahhed over the fireworks, the mosquitoes took at least a unit a blood out of us. We didnt care. We were too busy giggling and exclaiming, Oh, I love whistlers or Green! If the thermometer skyrocketed, it was time for the family reunion at the park. That park was always one of my favorites. It was huge, for starters, and had all kinds of stuff to explore. In one area, there was a swinging bridge. In another, a peacock house. (And hed display his feathers sometimes, even!) In a nearby pond, there were ducks and geese to feed. Way in the back, you could play shuffleboard. And all this in a heavily wooded park that had the kind of cool shade only tall, old trees can provide. It was summer, and life was good. What are your summer memories? Id love to hear about them. What things do you look back on fondly? How old were you when you had that experience? Why has that experience stuck with you so strongly? To participate, please send email to or address mail to The Lima News, 3515 Elida Road, Lima OH 45807, Attn: Adrienne McGee/memories. Please include your phone number (will not be published). If you have any photos to share, please include them. Questions? Call Adrienne at 419-993-2072. Dont miss the opportunity to make new memories this summer, too. Im certain theres a child in your life who could use a life was good moment.

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Our Generations Magazine

July 2012


Enfold summer!
Galettes are free-form pies that are easy and all-purpose
Courtesy of Los Angeles Times Galettes are free-form pies that are easy and all-purpose. This apricot galette consists of a rolled edge crust with raspberries and shaved almonds. photo courtesy of MCT
othing celebrates summer quite like a fresh pie. Its as if were taking the best the season has to offer vibrantly colored produce practically bursting with flavor and nurtured to ripeness under a hot sun and wrapping that bounty in a tender, flaky crust. Like a gift. Its hard not to get excited at the sight of a great pie, whether piled high in a deep-dish plate or beautifully arranged in a shallow tart pan. Though I have to say, lately Ive been leaving out the plates and pans entirely and opting for something a bit more casual with a galette. Because sometimes, or maybe always, simple is best. Think of a galette as pies free-form cousin. Roll the dough out, pile in the filling and gently fold up the outer edges of the dough to hold it all together. Some recipes use a type of tart dough a sweeter, more cookie-like short crust for the pastry. Me? I stick with a flaky pie dough rich, buttery and not so sweet worked a little more to give it the strength to hold the filling without the support of a dish. Rustic yet beautiful, a galette is perfection simplified. Nothing fussy about it. Almost any summer produce works in a galette: sweet berries and stone fruit, or go savory, riffing with tomatoes or zucchini, so long as the produce has the right balance of flavors and depth of personality. The trick is to keep it simple. Let the fruits and vegetables speak for themselves by not disguising them with a bunch of other flavors. Stone fruits are just coming into season, and apricots are downright wonderful about now. Toss sliced apricots with a little sugar and a touch of almond extract, which brings out the flavors of

stone fruit. Add some sliced almonds to give the filling a subtle crunch, as well as a handful of fresh raspberries to lend a splash of vibrant red. As the fruit cooks, the flavors will evolve and soften with a natural sweetness. Fresh out of the oven, give the galette a little time to cool slightly and all those fragrant juices a chance to settle before digging in. For a savory take on the galette, toss sliced ripe tomatoes with a little garlic, fresh oregano and a few diced olives to brighten the mix. Bake the galette (using the same pie crust) until goldenbrown, then serve, slightly cooled, with a sprinkling of chopped basil. Top the slices with a dollop of fresh cheese, say, creamy burrata or ricotta. It makes a perfect afternoon snack, even a light meal. Because something as good as pie shouldnt be reserved only for dessert. GALETTE DOUGH Total time: 20 minutes, plus chilling time Servings: This makes enough for 1 (9- to 10-inch) galette Note: This is a basic pie crust recipe, with the dough worked a bit more to strengthen it. The cider vinegar is used to help shorten the crust, improving the texture. Though you might smell the vinegar as you roll out the crust, you should not taste or smell it in the finished galette. 2 cups (9.6 ounces) flour Generous 1 teaspoon salt 1 tablespoon sugar cup cold shortening

Our Generations Magazine

July 2012

cup (1 stick) cold butter, cut into -inch cubes 2 teaspoons cider vinegar 4 to 6 tablespoons ice water, more if needed 1. To make the dough using a food processor, pulse together the flour, salt and sugar until thoroughly combined. Add the shortening and pulse until incorporated (the dough will look like moist sand). Add the butter and pulse just until the butter is reduced to small, pea-sized pieces. Sprinkle the vinegar and water over the mixture, and pulse a few times to form the dough. Remove the dough to a lightly floured surface and knead a few times until it comes together in a single mass. Mold the dough into a disk roughly 6 to 8 inches in diameter. Cover the disk tightly with plastic wrap and refrigerate at least 2 hours, preferably overnight. 2. To make the dough by hand, whisk together the flour, salt and sugar in a large bowl. Add the shortening and incorporate using a pastry cutter or fork (the dough will look like moist sand). Cut in the butter just until it is reduced to small, pea-sized pieces. Sprinkle the vinegar and water over the mixture, and stir together until the ingredients are combined to form a dough. Remove the dough to a lightly floured surface and knead a few times until it comes together in a single mass. Mold the dough into a disk roughly 6 to Sprinkle sugar over the assembled galette. 8 inches in diameter. Cover the disk tightly with plastic wrap and photo courtesy of MCT refrigerate at least 2 hours, preferably overnight. Each of 8 servings: 289 calories; 4 grams protein; 28 grams carbohydrates; 1 gram fiber; 18 grams fat; 9 grams saturated fat; 31 mg cholesterol; 2 grams sugar; 293 mg sodium. too quickly. Cool the galette 15 to 20 minutes before slicing. Each of 8 servings: 374 calories; 6 grams protein; 43 grams carbohydrates; 3 grams fiber; 20 grams fat; 9 grams saturated fat; 54 APRICOT ALMOND GALETTE mg cholesterol; 15 grams sugar; 303 mg sodium. Total time: 1 hour, plus cooling time Servings: 6 to 8 1 pounds apricots (6 to 8) 2 to 4 tablespoons granulated sugar, depending on the sweetness of the apricots 1 teaspoon almond extract or 2 tablespoons almond liqueur Prepared galette dough 3 tablespoons sliced almonds 1/3 cup raspberries, if desired Meals prepared based on your preferences. Non-stop 1 egg, beaten 1 tablespoon coarse sugar activities. And a staff always ready with a smile and a 1. Cut each apricot into 6 to 8 wedges, discarding the pits. Comhelping hand. Come see just how good life can be at bine the apricots with the granulated sugar and almond extract in Richland Manor stop by or call to schedule a personal tour. a work bowl and toss well to mix. 2. Heat the oven to 400 degrees. Remove the dough from the refrigerator to a flat surface lined with a lightly floured sheet of parchment. Roll the dough into a rough circle about 15 inches in diameter and a generous one-eighth-inch thick. Transfer the dough (still on the parchment) to a baking sheet. 3. Gently stir in the sliced almonds and raspberries with the apricots. Spoon the apricots into the center of the dough. Fold the outer 3 inches of the dough circle toward the center to make a packet, leaving the inner 4 or 5 inches of apricots uncovered (the assembled galette will be about 9 inches in diameter). Lightly brush the pastry with the beaten egg, then scatter the coarse sugar over the apricots and pastry. 4. Bake until the crust is golden-brown and the apricots are softened, about 45 minutes. Start checking the galette after 30 min419-643-3161 7400 Swaney Road utes, and loosely cover the fruit with a sheet of foil if they color Bluffton, OH 45817

Living here has its advantages.

Our Generations Magazine

July 2012

Sports spot

Chris Spielman
One tough Buckeye to crack
By John Grindrod

s we roll into July, many sports fans thoughts turn to our nations favorite sport, football. And, in light of last years scandals that the Buckeyes endures, perhaps this is a good time to take a deeper look at a true Buckeye, one who has demonstrated football ability, desire, courage and conviction both on the gridiron and off. And, when it comes to examining the all-time roster of great players who have called The Horseshoe home during their collegiate careers, there are few who shine brighter than Charles Christopher Spielman, born a Buckeye Oct. 11, 1965. In 65, the football Buckeyes helped immensely by Limas Tom The Bomb Barrington would have a fine 7-2 season. As Spielman grew, his love of football and his desire to play for his home state university did as well. After a distinguished high school career, both on the field as a linebacker and running back, and in the classroom, at Massillon Washington High School, Spielman graduated in 1983 with some impressive credentials. Not only did he achieve all-state honors as a linebacker but he also was given the Dial Scholar-Athlete of the Year Award as the top scholarathlete in the country. If youll remember, he also was selected to grace the front of a Wheaties box in uniform his senior year. While in high school, he caught the eye of Ohio State football coach Earle Bruce, and Spielman became a Buckeye. At Ohio State, Chris Spielman, linebacker for the Detroit Lions he was twice named All-American and, in 1988, capped his four years in Columbus as the recipient of the coveted Lombardi Award,

Our Generations Magazine

July 2012

given to the best college football lineman, or, in Spielmans case, linebacker. Spielman went on to play his most productive years of pro football with the Detroit Lions. During his time, he was the heart and soul of the team defensively and served as its captain. He remains the all-time leader in tackles since the Lions began officially recognizing the statistic in 1973. Spielmans dominance was evident as he led the team in tackles seven straight years, including the highest Lions total for one year ever with 195. After four Pro Bowl selections, Spielman and the Lions parted ways, and, in 1996, he set both team and personal bests in tackles with the Buffalo Bills. It was then that injuries from his rough style of play began to take their toll. His 1997 season was limited by a neck injury that required spinal surgery. While the injury was deemed successful and he was ready for a 1998 return, it was then someone elses condition took him off the field. His wife Stephanie was diagnosed with breast cancer and underwent treatment. Always one with his priorities in proper order, Spielman refused to let her go through it alone, which didnt surprise his former high school coach Mike Currence. Says Currence, Chris has always been an honest, upfront family man. As Stephanies health improved, Spielmans desire to play returned. He was especially interested in playing yet again in Ohio for the Cleveland Browns. However, Spielman suffered another neck injury and was forced to retire when a pre-season injury left him momentarily paralyzed. With that injury, his dream of playing in Ohio on all three levels high school, college and pro died.

The man who high school coach Currence recalls never sat down on the sidelines during a game finally was forced to sit. Recalls Currence of those distant Friday nights in Massillon, Hed pace back and forth until the final gun. He always wanted back in the game. For his wife Stephanie, she lost her tenacious fight with cancer November 2009. She was 42. Her death forced her husband into the role of single parent to their four children Madison, Noah, Macy and Audrey in addition to juggling duties as a football TV analyst and radio sports talk host in Columbus. Additionally, he has been a tireless fundraiser for cancer research at Ohio State through the Stefanie Spielman Fund for Breast Cancer Research. In the early stages of Ohio States troubles last year, Spielmans stance was unpopular with the many who grew to adulate Buckeye head coach Jim Tressel and excuse his actions that led to his forced resignation. However, Spielman spoke what he believed, which is that Tressels actions could not be condoned and were serious enough to cost him his job. He made his feelings known to a group here in Lima at Shawnee Country Club during a keynote speaking engagement, saying that he believed Tressel had coached his last game at Ohio State. The speech was a full week before Tressel resigned. But, making excuses or not confronting a ball carrier or a young wifes cancer or the challenges of raising four kids alone or the Tressel affair has never been Spielmans way. Dedicated, principled and forthright, Chris Spielman could be described by several adjectives. Perhaps its just best to call him the hardest Buckeye to crack youll ever see.

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Our Generations Magazine July 2012

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efits? Your military retirement wont affect your Social Security benefits at all. You can get both. Generally, there is no offset of Social Security benefits because of your military retirement. You will get full Social Security benefits based on your earnings. However your Social Security benefit might be reduced is if you also receive a government pension based on a job in which you did not pay Social Security taxes. You can find more information in the publication Military Service and Social Security at Or call us at 1-800-772-1213 (TTY 1-800325-0778).


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Our Generations Magazine

July 2012

Can I receive Social Security benefits and Supplemental Security Income benefits at the same time? You may be able to receive SSI in addition to monthly Social Security benefits if your Social Security benefit is low enough for you to qualify for SSI. Whether you can get SSI depends on your income and resources (the things you own). If you have low income and few resources, you may be able to supplement your Social Security benefit with an SSI payment. You can find out more about SSI by going to and selecting the SSI banner at the top of the page.



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We count real estate, bank accounts, cash, stocks, and bonds toward the resource limits on what you can own. You may be able to get SSI if your resources are worth no more than $2,000. A couple may be able to get SSI if they have resources worth no more than $3,000. Keep in mind that we usually dont count the house you live in, personal items such as furniture and clothing, or the car you drive towards that resource amount. You can find out more about SSI by going to and selecting the SSI banner at the top of the page.


not available from your current medical sources, the state agency may ask you to go for a special examination. The preference is to ask your own doctor, but sometimes the exam may have to be done by someone else. Social Security will pay for the exam and for some of the related travel costs. Learn more about disability benefits at


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Our Generations Magazine

July 2012


Yearlong series

Two days of small town charm, beauty and lobster

John enjoys a plate of lobster at Bud Allison's Restaurant in Kennebunkport, Maine. photos courtesy of John Grindrod
he first day of my fall travel vacation ended at a Hampton Inn, for some restful repose in Syracuse, N.Y., the last of the Middle Atlantic States and the gateway to New England. My friend Jane and I found the hotel conveniently right off the New York Thruway. Armed with our travel Visa card, which I told you about last month that allowed us pretty much to pay for the entire trip as it evolved, we were ready for eight days of New England and New Brunswick charm. With our bags in the trunk and a must for any classic American road trip, a cooler of our favorite foods and beverages, we got back on the road, bound for Maine. Jane and I had done our homework as to when the trees of New England would show their most vibrant colors and decided the first week of October was best. Now, I will warn you that there are a lot of variables when it comes to the peak of fall color in New England and New Brunswick, such as the amount of rainfall and the temperature range during the summer, but I recommend the first full week in October. With a timely start on day two and the last of the $16 in tolls that the New York State Thruway extracts, we crossed into Massachusetts and then clipped off parts



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of Vermont and New Hampshire on our way to our first Maine stopover, Kennebunkport, where we would spend parts of two days. By mid-afternoon, we pulled into the charming seaside town and went about the first order of business, securing lodging. We found what appeared to be a great place just a couple blocks down from the downtown area, called The Kings Port Inn. There were 33 nice guest rooms and suites, and, at just a little over $100, I found it to be pretty easy on the old Visa travel card. The spacious room had a beautiful four-poster bed, bed-andbreakfast-type furniture and a large marble-tiled bathroom, quite accommodating. One of the unique features of The Kings Port is it doesnt have that hotel feel. Additionally, the next mornings breakfast, included in the room rate, was served in a wonderfully atmospheric dining room and featured freshly made waffles with delicious fruit toppings, including that Maine staple, fresh blueberries, among the many other treats. The downtown area was exactly what I expected, very quaint and very cozy. While known more as a summer resort, Kennebunkport really resonated with me in October. There are a number of dining establishments and interspersed were a number of craft shops and art galleries in the downtown area. Just past the towns center was a white New England church with a steeple right in a bevy of trees beginning to show the colors of fall. It was like a postcard. The scenic public walkway, called Parsons Way, commences at Dock Square. Since both Jane and I love to walk, we jumped on the path. We passed docks moored with several charters for deep seas fishing, sailing and lobster excursions and whale watching and eventually wound up far from the downtown district, at Walkers Point, where, of course, we paused for pictures. Walkers Point is as Maine as Maine can get. Its a primo piece of real estate, rocky coastline and all, a perfect melding of the craggy antiquity of stone, wild flowers and other vegetation, sand, and, in the distance, a broad expanse of lush green space. Its surrounded on three sides by the roiling, fomenting waters of the Atlantic Ocean. At the point is the estate of George Herbert Walker Bush and his First Lady, Barbara, Kennebunkports most famous residents. Theres a large guest house beside the main residence. Three flags fly atop the flagpole. Of course, the Stars and Stripes is the highest, and on either side of it, the Maine state flag and the Texas state flag. The compound isnt accessible to the public, but Jane and I did get to the security checkpoint at the end of the long driveway and spoke with a most congenial young man, who did confirm the famous Presidential pair was indeed home. He said, despite Bush, the Elder, also having a Texas residence, he and Barbara spend most of their time in Kennebunkport. After a delightful day walking the coastline and getting down on the beach for some more challenging walking in the softer sands for which New England is noted, Jane and I drove to nearby Cape Porpoise, a year-round fishing village where many of the lobster boats come in. There youll find a great seafood restaurant I highly recommend. Its called Pier 77. Youll easily spot it because on the buildings side is the most colorful display imaginable of lobster

John on the bridge to Kennebunkport, Maine.

buoys and a great photo opp. If you visit, try the seafood stew, a delightful mixture of fresh mussels, clams, prawns and fish in a tomato broth. Oh, and be sure to get a window table if you can for some great views of the harbor and the working lobstermen. Other dining choices in Kennebunkport and its surrounding area abound. If you want simple but delicious, try The Clam Shack on the main thoroughfare in the downtown district, less than a fiveminute walk from The Kings Port. You order at a window, like an ice cream stand, and eat the freshest of seafood al fresco, at one of the tables and benches nearby. For our final meal, Jane and I gave our business to Alissons, right in the heart of Dock Square. Of course, we had the Maine lobster, rough cut fries and slaw, and, for me, ice cold Bud. Talk about melt-in-your-mouth good! At the end of our second day, it was time to move on to much more Maine. Next month, Ill take you with me to one of the states oldest and most popular beach towns, Old Orchard Beach, and then its off to Portland, Maines largest city and the birthplace of Henry Wadsworth Longfellow, followed by a stopover in Freeport, a city which has an economy steeped in retail, including the flagship store of L.L. Bean, open 24-7-365.

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Our Generations Magazine

July 2012


Chatting at their table before lunch is Carol Wright (left) and to the right laughing is Dixie Hayes, during Bradfield Community Center's Senior Social Luncheon Series. Craig J. Orosz photos The Lima News

Cover Story

Breaking bread
Adrienne McGee Lifestyle/Special Sections Editor

A time to be social

itting at home. Thats what a lot of seniors are doing, said Bradfield Community Center Executive Director Londell Smith. Their life goes to a slower pace while their loved ones lives speed up, and sometimes theyre sort of left behind. Add in the fact that perhaps they no longer drive. Or perhaps theyre not as mobile as they once were. So they end up sitting at home in front of the television, Smith said. The center decided to reach out to seniors in the community in May when it started its Senior Social Luncheon Series. Bradfield Center should be for all in the neighborhood, Smith said, and this is one way it can help meet a need. The community center like many other groups is dealing with an aging population and wants to stay relevant.

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What: Senior Social Luncheon Series Where: Bradfield Community Center, Lima When: Second and fourth Tuesday of the month the entire year How: Space is limited to the first 50 people who register. Call 419-228-7766 to register.


Our Generations Magazine

July 2012

Other community groups and churches in the area have begun to offer free community meals to reach out to people who may be struggling in a poor economy or for personal reasons. Churches have a spiritual goal. The Bradfield Center has a social goal. bThis luncheon is an opportunity for people to visit with one another and give feedback to the center on what its future might look like. Two agencies in the area, Springview Manor and Richland Manor, are donating lunches for the first 50 people who register twice a month. There isnt even an excuse about not driving. Free transportation is available through Find A Ride at 800-6537723. At a recent lunch, a heartfelt prayer opened the event and then it turned into fun with James Brown on the radio. One lady even started to dance a little. Louise Bibbs, of Lima, enjoyed visiting. Got to see people that I hadnt seen for a while, Bibbs said. Kate Stepleton, of Lima, was there to support Smith in his efforts and visit with friends. Ann Holmes (left) and Bertha Perry share a laugh during the Senior Luncheon Ann Holmes, of Lima, decided to come Series held at Bradfield Community Center. out and try it after her girlfriend told her about it. Cause I dont cook, Holmes said, laughing. Its nobody but me now. Annie Mae Woodley, of Lima, lives just across the street. To her, it was a no brainer. Well, its someplace to go and be around people ... instead of being in your house alone all the time, Woodley said, explaining the high price of gas makes her not want to drive her car very Post-Surgical, Short-Term Rehab much. It didnt cost me anything, and I was out with people. Marsha Smith, of Lima, stopped in. Her uncle was Fred Howard, HEARTLANDS OF LOGAN COUNTY who used to be the athletic director years ago at the center. Heartland of Indian I wanted to see what all has been offered now, Smith said. Lake - Rehab Center I was kind of excited. Free? What do I have to bring? she said, 14442 U.S. Highway 33 West laughing.

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July 2012


Downtown Wapakonetas Gild the Lily owner
ot many business owners are 85 years old, but Glenna McCormick is. The silver-haired McCormick owns Gild the Lily antique store in downtown Wapakoneta. The upscale antique shop is comprised of five vendors who offer quality furniture, decorative items, vintage By Christina jewelry, crystal, china and vintage clothing for sale. The energetic octogenarian is not new to the business Ryan world, since she and her late husband, Bill, owned McCorClaypool micks Furniture for almost 30 years. The building which houses Gild the Lily since it first opened in 1999 is part of the original McCormicks Furniture store. McCormick is not only a Wapakoneta entrepreneur, but she is also a native of the town. Originally born on Middle Street, she went to Williamson Elementary School and then attended Blume High School. However, love caused her to quit in my senior year to get married, because my fianc was drafted into the Glenna McCormick Army, said Glenna. This happened in Bridge Hospice helps patients and their loved ones throughout 1942 not long after Pearl Harbor was Northwest Ohio find peace and comfort as they prepare for the end attacked and World War II was in full swing. Bill had graduated from of lifes journey. The Bridge Hospice philosophy affirms death as high school, but was only 19 years old when he was drafted. While, he was in the service, Glenna worked and saved money. a natural part of lifeproviding medical care as well as emotional, I worked all over this town. I was a ticket-cashier at the Wapa Thespiritual, and social support. atre, she said. In 1946, after the war ended and Bill was out of the service, they Bridge Hospice caregivers deliver comfort and compassion in almost purchased their first home on Broadway in Wapakoneta for $2,500. any setting including private homes, nursing homes and assisted or Their only child, Sandra had been born in 1944, making their little independent living facilities, hospitals, and our two inpatient hospice family complete. care centers. Then in 1959, the couple bought a small established home store, and it was converted into more of a decorating store with quality Bridge Hospice is accredited by The Joint Commission. furniture, said Glenna. McCormicks Furniture in downtown WapaTo learn more about Bridge, please visit koneta was birthed with the married couple overseeing the stores or call 1.800.982.3306. operation for almost three decades. We were side by side. Everything we had, we did together, said Glenna with a smile. Then they sold the business to one of their long-term employees, David Shoup, who had begun working at McCormicks Furniture when he was a high school student in the DECA program. But Shoup Were here for you. died in his late 40s of a heart attack during the 1990s. His business partner decided to sell the business. They sold out all the furniture, and we got the buildings back, said Glenna. 1.800.982.3306 |

Glenna McCormick


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July 2012

750 Brower Road Lima, OH 45801 Lima Manor Phone: (419) 227-2611 750 Brower Road Lima, OH 45801 Shawnee Manor Phone: (419) 227-2611 2535 Ft. Amanda Road Lima, OH Manor Shawnee 45804 Phone: (419) 999-2055 2535 Ft. Amanda Road Lima, OH 45804 Roselawn Manor Phone: (419) 999-2055 420 East Fourth Street Spencerville,Manor Roselawn OH 45887 Phone: (419) 647-4115 420 East Fourth Street Spencerville, OH 45887 Wapakoneta Manor Phone: (419) 647-4115 1010 Lincoln Avenue Wapakoneta, OH 45895 Wapakoneta Manor Gild the Lily, located in downtown Wapakoneta, offers a variPhone: (419) 738-3711 1010 Lincoln Avenue ety of items. Wapakoneta, OH 45895 Schwietermans Drug Phone: (419) Ryan Claypool photos by Christine738-3711 of New Bremen of Sandra At the time, McCormick and her daughter,Wapak Harrison, had a Schwietermans Drug of Minster booth down the street at the Auglaize Antique Mall. of New Bremen of Wapak We were into antiques and retro things. Well, we had the buildings, of Coldwater so we started our shop, and Sandra cameof St with the idea, Gild the up Marys Minster Lily, said McCormick. of Coldwater She explains that the stores name, Gild Hawkeys Pharmacy the Marys of St Lily, Means to embellish, make it better, [and] do things 114 N High it beautiful, she that make St said. One need only gaze at the sparklingColumbus Grove crystal chandeliers, the Hawkeys Pharmacy tastefully displayed antiques, and the inviting stained glass lamps that cast a warm glow throughout the store to114 N High St beauty. see the shops Millers Pharmacy Columbus Grove Her husband, Bill, died two years ago in July after being married for 101 Broad St 67 years. Kalida Millers Pharmacy It was true love, she said matter-of-factly. Today, daughter Sandra 101 Broad St Harrison continues to work with her mother at Gild the Lily. Arlington Pharmacy Kalida Sandra Furry is an independent contractor who works full-time as 106 North vivacious a clerk at the shop, too. In her 12th year there, the Main Street Furry Arlington greets customers with a welcoming, Hello, and bigPharmacy Arlington smile.McCormick says that, Gild the Lily wouldnt be here if it North Main Street helping 106 werent for her us. Shes here every day, and shes an outstanding Pharmacy Tuckers worker. Arlington Yet, Sandra Furry credits her boss with the stores success, remark1831 E Main St ing that McCormicks attributes include, Her get up and go, and her Ottawa Pharmacy Tuckers knowledge. She is senior on the street for1831 E Main Stretail busiyears in the ness, Furry said. Okuleys Pharmacy Ottawa Wapakoneta resident, Savannah Carnes, 102 S Main St she shops at 19, says that Gild the Lily because, I find thats it better quality. I like the vintage Continental Okuleys Pharmacy look. Her sister, Michaela Carnes, 16, said, I like the fur coats the 102 S Main St most. Continental Glenna smiles, eager to keep contact with her customers.

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As for the shops future, Its going to be here as long as I can get up in the morning, and get dressed, said McCormick. The business owner is pleased that the towns downtown is thriving with antique stores and complimentary businesses. She said happily, Wapak has come to life again.

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Our Generations Magazine


Time Capsule
A look back at equine help and hobby
hey were once a part of life, a necessary mode of transportation. A look back in old newspapers shows that was true, but more than that, some horses were beloved. The Williams & Davis Co., undertakers Adrienne and ambulance service, operated a busiMcGee ness on West Market Street at the turn of the last century. A stable fire claimed Lifestyle/Special the companys black matched team that was used to pull the hearse, and sevSections Editor eral other horses died in the large fire. Although that team was likely incredLong Dang drives his pacer, T.W. ibly striking, the ambulance team won the speed contest. Buck and Chief won Roberts. Dang, a Chinese immigrant, ran a laundry on North Main ambulance races in the state, and they were very well trained. Street from 1893 to 1906. His The memory of their horse, T.W. Roberts, nicknamed loyalty and keen intelligence remains with many Billy, set a record in 1898 in persons. With their passCelina with a time of 2:24.75. ing, there passed also an photos courtesy of Allen County era in which the affinity of animal and driver was Historical Society never again to be reached. It required more than just training to teach these animals their jobs. It required understanding and understanding that is very hard to find today, according to a newspaper story published June 14, 1959, which cited an earlier newspaper story. Horse stalls were on each side of an aisle in the stable, where the ambulance wagon was parked. The ambulances tongue was suspended from the ceiling with rope, as were the harnesses. With the ringing of the bell, the heads of both horses snap up; the ears come forward and they prace to the door where they stand More than 35 years of experience in home care nickering and prancing. The groom comes to life and races to the RNS, LPNs, Home Health Aides door rope. As he pulls it, both sliding doors open and the horses, Our Caregivers are Screened, Bonded & Insured unaided, dance over to the wagon tongue and take their places From A Few Hours of Help to 24 Hours A Day Coverage. under the harness, according to the story. The groom finishes hitching up the horses as the ambulance driver and his assistant dash into the barn. Otis Davis takes a firm clamp on his cigar, braces both feet against the dash board, unwraps the reins from the whip and says, Hit it. As the foot of Harry Hildreth strikes the bell, both horses lunge through the open door, snapping the ambulance up on two wheels as they curve out of the alley. By the time they reach


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Market Street they are galloping full tilt. The bell is clamoring and sparks are flying from their cleated hooves. Buck was 25 years old when he died in 1920. Chief was 27 years old when he died in 1922. Fire horses were discontinued in 1916, but the men persuaded the city to keep them around for other jobs. One of the earliest horse stories was from the late 1800s. Leonidas H. Post, of Amanda Township, imported two Percheron stallions from France in 1880 at a cost of $4,500. One died shortly after arriving. But the second, named Frank, lived 22 years and was in demand. He produced such outstanding colts that buyers came from as far away as Philadelphia. He was said to be the most famous draft stallion ever in Allen County, according to a story published Dec. 28, 1958, which referenced earlier stories. The Percheron breed was a very desirable breed in the farm area, as well as for fire engine work due to the fact that they were very strong yet small in size for draft animals. They were very alert, easily kept and fine dispositioned. ... To these men, the horse was their tractor, truck and pleasure car, a necessary feature of living, while to us, it is a hobby or a business. Horses were trained to do their jobs but one hobby that was very popular was racing. In the late 1800s, there was enough snow for sleigh races. People would bring their sleighs and horses to North Street, racing between Baxter and Main streets. (The start was near Baxter, and the finish was at Elizabeth to allow horses to slow down and stop before crossing Main Street.) The road wasnt yet paved. According to interviews with residents who remember that time, the races were several afternoons a week and gathered upward of 1,000 people watching the men and one woman race. Elizabeth Nutting, the wife of an engineer on the Lake Erie & Western Railroad, drove a spirited horse named Lillian. Other racers included William Faurot (Benjamin C. Faurots brother), Dr. David W. Steiner, Father George Hall and Long Dang. Dang was a Chinese immigrant who ran a laundry on North Main Street from 1893 to 1906, and his horse named T.W. Roberts but nicknamed Billy was a hobby and perhaps source of income via gambling. Seems we missed a fine sleigh race over there on West North Street the other afternoon between the horses of Dr. David Steiner, C.H. Folsom and Long Dang, the laundryman. Long Dang was driving that horse he got from the fire department and when the fire bell rang, Longs horse gave a jump and won the race, a newspaper published on an unknown date. Dang also raced T.W. Roberts, a pacer, at the Lima Driving Park and at the fair on a high sulky. Long Dang, who holds the championship for the worlds driving record, will be present, and will sit behind the famous horse, T.W. Roberts, a Sept. 20, 1898, newspaper story reported about the first day of the fair. T.W. Roberts set a record in 1898 in Celina with a time of 2:24.75. But it wasnt all about speed. Slow and steady horses were important for milk delivery. Meadow Gold dairy had a stable of 15 horses as late as 1950. Helen was celebrated for 19 years of service May 10, 1950, and given a deserved retirement at the farm of William Harrington at Springbrook. Roy Vorhees, stable boss, estimated she trotted some 71,000 miles on the four regular routes she worked. But why on earth were horses still being used in 1950? You cant beat a horse for that kind of delivery work. Its like having two men on the job. The horse quickly learns the stops

This photo from 1907 shows Limas Central Fire Station and its firefighting horse-drawn wagons. Fire service horses were known as the fastest around.
along the route. Hell go on ahead of the driver, stopping to wait for him in the proper place. Hell cross the street at the right places and otherwise save the driver many steps in the course of performing his duties, Vorhees said March 8, 1957. The Norval Hotel was named after a horse, owned by Joseph P. Staley and D.J. Cargill, of Sidney. He was at one time owned by J.C. Linneman, of Shawnee Township, who built the Norval Hotel. Fire Chief John Maurer had Judge, and City Council allowed Maurer to take the horse to his Logan County farm for retirement after the animal had served for 28 years. Newspapermen couldnt help but point out the irony they witnessed Jan. 2, 1927. Tom and Jerry were pulling a bobsled of milk and cream driven by Frank Allstetter, dairyman. When the more modern transportation devices were coughing and sending forth screens of smoke and the wheels moved rapidly without effecting locomotion, Tom and Jerry were sending forth an equal amount of seeming smoke but the bodsled locomotion was steady and the driver had no fear of snowdrifts ahead. While most horses are compelled to take to the sideroads in the summer time and swallow oceans of dust, they get a chance to high-hat the gas buggies in the winter time when they are stalled along the highways and byways. Now is the time when all the equine family can give the horse laugh to those who disposed of them for the more luxurious automobile. But by mid-century, the end was coming. Horses at the Allen County infirmary farm finally are giving way to the modern machine age. County commissioners said Friday that a team of draft horses with harness would be among the surplus items offered for public sale at 1:30 p.m. Saturday, March 19. The sale will be at the county home storage grounds on Route 81 east of Lima. Also offered for sale that day will be two automobiles, three trucks, two rollers, a mowing machine, wagon, 50 tops of scrap metal and other miscellaneous items, a story from March 11, 1949, reported. Our Generations Magazine July 2012


Events calendar
July 1 Summer Outdoor Worship, 8 a.m., St. Matthew Lutheran Church, 5050 Saint Matthews Dr., Lima. . . In the picnic shelter on the church grounds. Bring collapsible seating. Bingo, 1:30 p.m., VFW Post 9142, 212 W. Second St., Ottawa. July 2 Look Good Feel Better, 4 p.m., Lima Memorial Medical Park, 525 N. Eastown Rd., Lima. (419) 228-7275. Town Square Prayer, 7 p.m., Limas Town Square, N Main St. and W Market St., Lima. Ottawa Knights Bingo, 7:30 p.m., Knights of Columbus Hall, 10759 Road H, Ottawa. Early birds at 6:30 p.m. July 4 Firecracker 5K Run/Walk, 9 a.m., Auglaize County Fairgrounds, 1001 Fairview Dr., Wapakoneta. $18. Bingo, 6:30 p.m., VFW Post 9142, 212 W. Second St., Ottawa. LCC Bingo, 7 p.m., Fraternal Order of Police Lodge, 750 W. Robb Ave., Lima. Doors at 4 p.m. July 5 LCC Bingo, 7 p.m., Fraternal Order of Police Lodge, 750 W. Robb Ave., Lima. Doors at 4 p.m. Country Concert, 7 p.m., Hickory Hill Lakes, 7103 State Hwy. 66, Fort Loramie. $179. Country Concert at Hickory Hill Lakes. July 6 Hickory Lakes Country Concert, 4 p.m., Hickory Hill Lakes, 7103 State Hwy. 66, Fort Loramie. American Legion Fish Fry, 5 p.m., American Legion Post 96, 711 S. Shore Dr., Lima. $6. LCC Bingo, 7 p.m., Fraternal Order of Police Lodge, 750 W. Robb Ave., Lima. Doors at 4 p.m. Country Concert, 7 p.m., Hickory Hill Lakes, 7103 State Hwy. 66, Fort Loramie. $179. Country Concert at Hickory Hill Lakes. Lincoln Park Dances, 7 p.m., Lincoln Park, Bellefontaine Ave. and E Elm St., Lima. With the Al Best Band. Bring a lawn chair. Public Night Sky Viewing, 8:30 p.m., Schoonover Observatory, 670 N. Jefferson St., Lima. July 7 Ottawa Farmers Market, 8:30 a.m., Ottawa Area Farmers Market, Oak Pkwy, Ottawa. Beach Spectacular & Fireworks, 11 a.m., Old Field Beach, State Highway 235, Lakeview. Hickory Lakes Country Concert, 12 p.m., Hickory Hill Lakes, 7103 State Hwy. 66, Fort Loramie. Lima Astronomical Society meeting, 7 p.m., Schoonover Observatory, 670 N. Jefferson St., Lima. Summer Amphitheater Programs, 7 p.m., Ottawa Metro Park, 2632 Ada Rd., Lima. . (419) 221-1232. Bluegrass with Vernon and Kitty. Country Concert, 7 p.m., Hickory Hill Lakes, 7103 State Hwy. 66, Fort Loramie. $179. Country Concert at Hickory Hill Lakes. Midnight Movie Series, 11:50 p.m., Neil Armstrong Air and Space Museum, 500 Apollo Dr., Wapakoneta. $1. Science fiction movies in the Astro Theater. Refreshments available for purchase. Doors at 11:30 p.m. July 8 Summer Outdoor Worship, 10:30 a.m., St. Matthew Lutheran Church, 5050 Saint Matthews Dr., Lima. Bingo, 1:30 p.m., VFW Post 9142, 212 W. Second St., Ottawa. July 9 Look Good Feel Better, 5 p.m., Grand Lake Regional Cancer Center, 900 Havemann Road, Celina. Ottawa Country Music Jam, 6 p.m., Highwater Building, 210 S. Oak St., Ottawa. No electric instruments. Town Square Prayer, 7 p.m., Limas Town Square, N Main St. and W Market St., Lima. July 10 Westinghouse Sundstrand, 11:30 a.m., Western Sizzlin, 2721 Elida Rd., Lima. (419) 331-6644. Senior Social Luncheon Series, 11:30 a.m., Bradfield Community Center, 550 S. Collett St., Lima. Open to the first 50 seniors (60 years and older) who register at 419-228-7766.


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Brown Bag Lunch Series, 12:15 p.m., Childrens Garden, 620 W. Market St., Lima. July 13 American Legion Fish Fry, 5 p.m., American Legion Post 96, 711 S. Shore Dr., Lima. $6. Lincoln Park Dances, 7 p.m., Lincoln Park, Bellefontaine Ave. and E Elm St., Lima. With Gene Wollenhaupt Band. Bring a lawn chair. Fountain Park Summer Music Series, 7 p.m., Fountain Park, S Jefferson St. and W Main St., Van Wert. Public night sky viewing, 8:30 p.m., Schoonover Observatory, 670 N. Jefferson St., Lima. July 14 Ottawa Farmers Market, 8:30 a.m., Ottawa Area Farmers Market, Oak Pkwy, Ottawa. Putt Around the Lake, 10 a.m., Indian Lake, Oh 366, Lakeview. (937) 843-5392. $60 per team. Barbecue Fundraiser, 11 a.m., St. Paul AME Church, 1103 W. Spring St., Lima. Chicken $6.50, ribs $8. Indoor Bluegrass Concert, 4 p.m., Famous Old Time Music Company, 20322 State Route 33, Wapakoneta. Summer Amphitheater Programs, 7 p.m., Ottawa Metro Park, 2632 Ada Rd., Lima. (419) 221-1232. John Miles: Native American. Beethovens 9th, 7:30 p.m., Niswonger Performing Arts Center, 10700 State Hwy. 118, Van Wert. July 15 Summer Outdoor Worship, 8 a.m., St. Matthew Lutheran Church, 5050 Saint Matthews Dr., Lima. July 16 Town Square Prayer, 7 p.m., Limas Town Square, N Main St. and W Market St., Lima.

Church, 5050 Saint Matthews Dr., Lima. Putt for the Love of Hospice, 4 p.m., Riverside - K.C. Geiger Park, 100 E. Greenville Rd., St Marys. July 23 Ottawa Country Music Jam, 6 p.m., Highwater Building, 210 S. Oak St., Ottawa. No electric instruments. Town Square Prayer, 7 p.m., Limas Town Square, N Main St. and W Market St., Lima. July 24 Senior Social Luncheon Series, 11:30 a.m., Bradfield Community Center, 550 S. Collett St., Lima. Open to the first 50 seniors (60 years and older) who register at 419-228-7766. Brown Bag Lunch Series, 12:15 p.m., Childrens Garden, 620 W. Market St., Lima. July 26 Free Community Meal, 5 p.m., Elm Street Church of the Brethren, 619 E. Elm St., Lima. July 27 Tabfest, 10 a.m., Mendon Speedway, Deep Cut Rd, Mendon. American Legion Fish Fry, 5 p.m., American Legion Post 96, 711 S. Shore Dr., Lima. $6. Lincoln Park Dances, 7 p.m., Lincoln Park, Bellefontaine Ave. and E Elm St., Lima. With Gene Wollenhaupt Band. Bring lawn chair. Fountain Park Summer Music Series, 7 p.m., Fountain Park, S Jefferson St. and W Main St., Van Wert. Public night sky viewing, 8:30 p.m., Schoonover Observatory, 670 N. Jefferson St., Lima. July 28 Ottawa Farmers Market, 8:30 a.m., Ottawa Area Farmers Market, Oak Pkwy, Ottawa. Tabfest, 10 a.m., Mendon Speedway, Deep Cut Rd, Mendon. Appalachian Opry, 7 p.m., Famous Old Time Music Company, 20322 State Route 33, Wapakoneta. Summer Amphitheater Programs, 7 p.m., Ottawa Metro Park, 2632 Ada Rd., Lima. (419) 221-1232. Shizzle Dizzle Magic.

July 20 American Legion Fish Fry, 5 p.m., American Legion Post 96, 711 S. Shore Dr., Lima. $6. Lincoln Park Dances, 7 p.m., Lincoln Park, Bellefontaine Ave. and E Elm St., Lima. With Al Best Band. Bring a lawn chair. July 29 Fountain Park Summer Music Series, 7 p.m., Fountain Park, S Summer Outdoor Worship, 8 a.m., St. Matthew Lutheran Church, Jefferson St. and W Main St., Van Wert. 5050 Saint Matthews Dr., Lima. Public night sky viewing, 8:30 p.m., Schoonover Observatory, 670 Auglaize County Fair, 10 a.m., Auglaize County Fairgrounds, 1001 N. Jefferson St., Lima. Fairview Dr., Wapakoneta. July 21 Ottawa Farmers Market, 8:30 a.m., Ottawa Area Farmers Market, July 30 Auglaize County Fair, 10 a.m., Auglaize County Fairgrounds, 1001 Oak Pkwy, Ottawa. Fairview Dr., Wapakoneta. Ride of Hope, 9 a.m., Camp Roberts, 4200 Beeler Rd., Lima. $15/ Town Square Prayer, 7 p.m., Limas Town Square, N Main St. and single, $25/double. W Market St., Lima. Summer Amphitheater Programs, 7 p.m., Ottawa Metro Park, Ottawa Knights Bingo, 7:30 p.m., Knights of Columbus Hall, 2632 Ada Rd., Lima. (419) 221-1232. Chris Rowlands: Rocking 10759 Road H, Ottawa. Early birds at 6:30 p.m. Around the Family Farm. July 22 1heart2souls Youth Triathlon, 8 a.m., Youth Triathlon, W. 7th street, Minster. $25 per child (419) 953-6387. Summer Outdoor Worship, 10:30 a.m., St. Matthew Lutheran July 31 Auglaize County Fair, 10 a.m., Auglaize County Fairgrounds, 1001 Fairview Dr., Wapakoneta. Brown Bag Lunch Series, 12:15 p.m., Childrens Garden, 620 W. Market St., Lima. Our Generations Magazine July 2012



Illness leads to designing career

Ottoville native specializes in creating wigs
By Jill Campbell
onnie Schmersal Fortman was born June 11, 1960, at St. Ritas Hospital. She was raised in the small town of Ottoville. I was the youngest of nine children, said Connie, who has six older sisters and two older brothers. Her dad, George, worked for Philips Electronics and ran a small farm which was about 100 acres. Her mother, Monica, gave birth to her when she was 45 years old. She remembers her childhood raising baby chickens. As a teenager her mom, aunts and cousins would gather to Connie Schmersal Fortman butcher chickens. About six of us would chop the heads off, scald and pluck them, explained Connie. Wed have 100 cleaned and dressed by noon, and then wed eat chicken for lunch. A farmstead family meal for the Schmersals was sausage, sauerkraut, pancakes and apple crisp. We picked apples up off the ground daily during the fall, Connie said. There wasnt any waste. We turned the apples into crisps and applesauce. A graduate of Ottoville High School, Connie aspired to be a designer. Back then, girls werent allowed or expected to taking drafting classes, and AutoCAD wasnt offered, Connie said. I wanted to design homes, landscaping and furniture. Instead she enrolled at Fredericks Beauty College where she earned her managing cosmetology license. Today, Connie works at Razors Edge Hair Salon specializing in hair styling and wigs. I was very vain in high school, Connie admits. Back when I had thick hair, I had no compassion for people with thinning hair.

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July 2012

When a thyroid problem caused her to lose her hair, it wasnt long before she gained understanding of women suffering from hair loss. Some of the (aging) women in my family had thin hair. I decided I did not want to look like they did, so I began experimenting with wigs, Connie said. A wig is like a bra. You can tell when you put it on if it feels good and looks right. Connie specializes in human hair and synthetic wigs. I actually prefer the synthetic ones, she says. A quality synthetic wig is soft, has flexible base material, and the hair density is not too thick. If all you see is hair, the wig will look fake. You have to be able to see through the hair to the base of the wig. Connie feels natural hair wigs take more care. They must be washed, set, and styled, she says. A synthetic wig is more wash, shake and go. A single mother of a son and daughter, Connie enjoys entertaining and being involved at Crossroads Church of God on Thayer Road. I am part of the Celebrate Recovery team, says Connie about the 12-step-like program to help people with their hurts, habits and hang-ups. Everyone has issues. We work to help people overcome and deal with the things they dont like in their lives. Connie says she has always enjoyed having fun and socializing with close friends. Engaging people on a business level and church team environment is something I had to learn, she said. Over the years I have become more skilled at being personable. Knowing how to relay information, so someone can understand, is just as important as listening to them. Recalling the huge meatloaves her mother made in a roaster, Connie shares this recipe version of a smaller meatloaf. Meatloaf 1 1/2 pounds ground beef 1 egg 1 onion, chopped 1 cup milk 1 cup dried bread crumbs Salt and pepper to taste 2 tablespoons brown sugar 2 tablespoons prepared mustard 1/3 cup ketchup Preheat oven to 350 degrees. In a large bowl, combine the beef, egg, onion, milk and bread (or cracker) crumbs. Season with salt and pepper to taste and place in a lightly greased 5-by-9-inch loaf pan, or form into a loaf and place in a lightly greased baking dish. In a separate small bowl, combine the brown sugar, mustard and ketchup. Mix well and pour over the meatloaf. Bake at 350 degrees for 1 hour.

Connie Schmersal Fortman, of Ottoville, shows a wig that she created. photos by Jill Campbell

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37. 38. 40. 41. 43. 45. 46. 48. 49. 51. 55. 57. 58. 59. 60. 62. 63. 64. 65.

phenated) Alternative to a fence Preserved, in a way Brews Money in the bank, say Burial Big Apple attraction, with the Emcee Comprende? Acquiesce Roller ___ Plywood layer Event attended by Cinderella ___ we having fun yet? Gladiator setting Sailboat with twin hulls Located in a specific place Assist, in a way One teaspoon, maybe Cantankerous

10. 11. 12. 13. 18. 22. 24. 25. 27. 29. 30. 31. 32. 33. 34. 36.

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39. 42. 44. 47. 50. 51. 52. 53. 54. 55. 56. 57. 60. 61.

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Crossword Answer


July 2012

Your Money

here are few instincts more powerful than the desire to keep what you earn and pass the fruits of your labor to the next generation. Unfortunately, for families across Ohio, a lack of estate planning could leave your loved ones grappling with a financial loss as well as an emotional one. When passing a farm or estate to your heirs, it is critical to understand the state and federal tax implications and plan your legacy in a way that accounts for the evolving landscape of estate and inheritance taxes. This is a timely issue, as both the Ohio estate tax and the federal estate tax are set to undergo significant changes at the end of 2012. Currently, the Ohio estate tax assesses approximately 7 percent on estates valued at more than $338,333 while the Federal rate is closer to 50 percent but only on estates over $5 million. While the Ohio estate is scheduled to expire at the end of the year, the threshold for the federal estate tax is set to drop from $5 million to $1 million, exposing more families to a significant tax burden. To complicate matters further, none of these changes are set in stone. Both Congress and the Ohio State Legislature will be under significant political pressure to pass new laws before the scheduled changes take effect, and both the federal and state statutes may remain as-is or change only slightly. This underscores how vital it will be to create or update your plan to cover all the potential scenarios and ensure the best possible situation for a surviving spouse and children.

Selling the farm on your terms

Trusts Understandably, many couples approach estate planning with the intention of leaving their spouse everything when they pass away. Unfortunately, lack of understanding and poor planning can effectively double the familys tax burden. For many, a living trust is the best option to maximize tax benefits and minimize the tax burden for all parties. Tax Planning Farmers who are asset rich and cash poor face a difficult situation with regard to estate taxes. Their children may be forced to liquidate the farm to pay estate taxes and face significant penalties if they are unable to pay within nine months of death. This can be avoided or mitigated by planning ahead and by engaging taxsavvy advice after death. With many complex and evolving issues in play, Ohio farm families can benefit from the professional advice of a trusted and experienced estate planning and elder law attorney, working in concert with family members, accountants and financial planning professionals. In todays volatile economic climate, complete with election-year politics, nothing is certain. That uncertainty makes it even more critical to be informed and prepared with a plan to keep your estate and your familys long-term security on solid ground.
Mitch Adel is senior partner at Cooper, Adel and Associates. With offices in Sidney, Centerburg, Monroe and Wilmington, Ohio, Cooper, Adel & Associates has clients statewide and offers regular seminars to educate seniors on critical financial issues. For more information, visit

Strategies to protect and preserve your assets:

Gifting There is a narrow window of opportunity to reduce federal estate tax by up to $5 million at your death if you gift before the end of 2012. Typically, you would gift to a close family member and file an obligatory federal gift tax return for any gifts of $13,000 given to a single person. Although there is normally no gift tax due during your lifetime unless all gifts exceed the federal exemption level ($5 million in 2012), capital gains taxes may be due when the assets are later sold. Gifting is a tricky proposition and should not be undertaken without expert legal and financial advice.


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Our Generations Magazine July 2012