Wisconsin Lifestyles

Wisconsin Lifestyles NE Wisconsin Lifestyles Magazine captures the "Spirit" of the people & places that make us great! www.wisconsinlifestyles.org

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Charmed Story

Charmed Story

Our Dancing Sterling Silver Enchanted 'Eclipse' - what an Eclipse means: Closing one chapter of your life and opening a new one. Its about new thoughts and ideas, fresh starts. Pendant $100 Earrings $150

Your own Wisconsin Manufacturer...Outlet Prices....Located in the Pro-shop of Limitless Elite Gym!

Your own Wisconsin Manufacturer...Outlet Prices....Located in the Pro-shop of Limitless Elite Gym!

Our Dancing Enchanted 'Angel Wing' Pendants Reg. Retail $175 Outlet special. $90 till Sept 30th. Great gift for college students. A message of your love and support. Reminder that while you can't be there to watch over them, the Angel's will.


Wishing you a safe and happy Labor Day!

Most important meal of the day!http://www.naturallivingideas.com/9-reasons-why-you-should-eat-breakfast-every-day-10-hea...
9 Reasons Why You Should Eat Breakfast Every Day + 10 Healthy Breakfast Recipes

Most important meal of the day!


No doubt you’ve heard that breakfast is the most important meal of the day, but do you really believe it? Well, study after study shows that breakfast does indeed live up to its reputation. Not only does it give you energy to kick start your day, but it may help you slim down, keep your heart health…

Appleton's Octoberfest

Appleton's Octoberfest

Check out our full concert schedule for #Octoberfest15!

Anyone out there thinking about starting a small business. This is a great article from Greg Holz from Thrivant Financia...

Anyone out there thinking about starting a small business. This is a great article from Greg Holz from Thrivant Financial.
Owning a small business can provide a great sense of
accomplishment, pride and freedom. It also carries big
responsibilities – and risk – for business owners and their
Given the day-to-day demands of running a small business,
it can be easy for owners to overlook the importance of
protecting the true engine of their business: themselves
and their employees. No amount of marketing prowess,
entrepreneurial spirit, or “elbow grease” can make up for
an untimely disability, the loss of a key employee or a lack
of business continuation planning.
Using appropriate financial strategies to protect one’s small
business can help owners strengthen their bottom line and,
just perhaps, sleep a little better at night. After all, business
owners have a vested interest in protecting their vital
investment. Here are some options from Thrivent Financial
to keep in mind.
Business overhead expense insurance. This insurance helps
business owners meet monthly business overhead expenses
in the event they are disabled for a period of time. While
that possibility may seem remote, statistics paint a different
picture. According to the Life and Health Insurance for
Education, nearly one in three women can expect to suffer
a disability that keeps them out of work for 90 days or
longer at some point during their working years. For
men, the odds are about one in four. One worker in seven
can expect to be disabled for five or more years before
Business overhead expense insurance coverage can help
keep a business open by paying approved expenses a
business owner may incur while he or she is unable to
work. This can help preserve client relationships, protect
owners from depleting business assets to pay for overhead
expenses—such as rents and employee salaries—to help the
owner maintain a healthy credit record, and give owners
time to recover or make alternative arrangements without
the burden of financial worries.
Key employee solutions. Small business owners are
constantly faced with the challenge of recruiting and
keeping good employees. This is especially true of small
businesses where perhaps one or two employees have the
knowledge and skills that would be extremely difficult for
the business to replace.
Financial tools exist to help protect businesses in this
situation, offering tax savings for owners and rewarding
employees who make the business what it is. These
solutions include:
• Key person life insurance, which protects businesses
from the potential financial impact of a key person’s
• Deferred compensation or salary continuation, which
provides a valuable benefit to a key employee without
increasing that person’s current income taxes and offers
an incentive to stay with the small business.
• A split dollar plan, which allows the owner and his
or her employee to work as a team to obtain the
employee’s life insurance coverage with the cash value
from the insurance growing on a tax-deferred basis that
can be later used by either the business or the employee.
• Major medical insurance and disability income
insurance, which offer important protection for
employees in the case of illness or disability.
Business continuation and valuation. Having the right
insurance in place can help small business owners
transition their business to the next generation of
ownership. For example, a buy-sell agreement identifies a
buyer or potential buyer of a business and the conditions
under which the sale will occur. This may help settle
estates and provide an income stream to beneficiaries. It
also helps establish a fair, reasonable price for the business
and generates an acknowledged business value for federal
estate purposes.
A qualified attorney can help a small business owner draw
up a buy-sell agreement. Once in place, the agreement can
be funded through several means, including an arrangement
with life insurance or disability income buyout insurance
on the owner.
Working with qualified professionals, including an
attorney, tax professional and financial professional,
can assist small business owners in determining and
implementing the options most appropriate for their needs.
This article was prepared by Thrivent Financial for use by our
Fox Valley Representative Gregg Holz.
W6919 Parkview Drive, Suite D, Greenville, WI
Insurance products issued or offered by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. Not all products are available in all states. Securities and investment advisory services are offered through Thrivent
Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent. Thrivent Financial representatives are registered representatives of Thrivent Investment Management
Inc. They are also licensed insurance agents/producers of Thrivent. For additional important information, visit Thrivent.com/disclosures. Thrivent Financial for Lutherans and its respective associates and employees cannot provide legal, accounting, or tax advice or services. Work with your Thrivent
Financial representative, and as appropriate your attorney and/or tax professional for additional information

Quarry Quest | An Earthmoving Experience
Quarry Quest | An Earthmoving Experience

Quarry Quest | An Earthmoving Experience

Quarry Quest has become one of the most fun and popular family events in Wisconsin. This exciting family outing and fundraiser is held at Michels Materials limestone quarry in Neenah, Wisconsin. The event provides an opportunity to educate attendees about the mining and construction industries, all…

Open Tryout Registration | Green Bay Blizzard
Open Tryout Registration | Green Bay Blizzard

Open Tryout Registration | Green Bay Blizzard

Open tryouts for the 2016 Blizzard indoor football season will be held on Saturday, December 5th and 6th at Brown County Arena in Green Bay, WI.

Visit Christian Peterson at Winch Financial to help you navigate your way and make important decisions regarding your So...

Visit Christian Peterson at Winch Financial to help you navigate your way and make important decisions regarding your Social Security

How to get the most from your Social Security
By: Christian Peterson, CMT

Social Security may be the most successful social program ever enacted in the United States designed to guarantee a measure of basic security for nearly all workers and their families. It is woven so tightly into the fabric of our lives that, in some ways, it has become invisible. Your payments into the system are taken out automatically so that you never really notice them, and when you retire, the checks come automatically in the mail or are electronically deposited into your bank account. Simple, right?

Well, maybe not. The truth is, deciding how and when you take your Social Security can be very complicated. The first decision you have to make is when to begin taking your Social Security.

Currently, you can begin taking Social Security as early as age 62. However, if you choose to start taking payments at 62, your monthly check will be reduced by 25% compared to what you would receive if you waited until your full retirement age, which, if you were born after 1959, is 67.

One benefit to taking Social Security early is that while your monthly checks are reduced by 25% for the rest of your life, you get five extra years worth of checks more than you would by claiming Social Security at your full retirement age. If you claim Social Security early, you’ll be ahead in terms of total benefits received until you turn 79, which is the average breakeven point (the actual age will vary depending on individual circumstances) where you would have received the same amount by claiming benefits at your full retirement age. Beyond age 79, those who claim Social Security at their full retirement age continue to receive a 33% larger check than those who claim early, and thus the gap will steadily widen in terms of total Social Security benefits.

In 2010, the year upon which Social Security is currently basing its lifespan statistics, the average life expectancy of Americans was 78. This is why the Government Accountability Office, along with those in favor of claiming early, point out that “someone living to average life expectancy should receive about the same amount of benefits over their lifetime regardless of which age they claim.” However, there is a catch. At birth, our average life expectancy is about 78 years (75 for men, 81 for women), according to the National Center for Health Statistics. But at age 65, the average life expectancy rises to 82 for men and 85 for women. So based on these statistics, the average person would be better off waiting until their full retirement age to claim benefits. For those able to wait even longer, the Social Security Administration adds 8% simple interest to your monthly check for every year you delay, up to age 70.

Still, in some circumstances, it might be better to take Social Security income early instead of delaying if:
• You can’t find full-time work. In 2014, you could earn up to $15,480 a year and still receive your early Social Security payment.
• You have a short life expectancy. Review your family medical history, especially on your mother’s side, to see if you might have reason to believe you will have a shorter life expectancy.
• Your financial situation is such that the benefit of receiving money sooner outweighs the benefit of receiving even more later.
When to start taking payments is just one decision that has to be made in regard to claiming Social Security. For married couples, many other options and strategies have to be taken into consideration. I will go over some of those in the next issue. In the meantime, consult a financial advisor about the options available for maximizing your Social Security benefit.

Christian Peterson is a Registered Investment
Advisor Representative for Winch Financial.
424 E. Wisconsin Ave. Appleton, WI 54911
(920) 739-8577
Disclaimer: Any opinions or analysis described in this article involve the Advisor’s judgment and good faith and do not constitute investment advice or a recommendation to buy any service or product. All observations are subject to various market, currency, economic, political, and business risk. No party to this article has made any guarantee, either oral or written, that an investment objective will be achieved.

Please be alert and cautious if you find yourself in a situation where traffic lights are not working.

Please be alert and cautious if you find yourself in a situation where traffic lights are not working.


The US National Weather Service Green Bay Wisconsin is forecasting some hazardous weather for the next several days. We know there is a potential for power outages during hazardous weather. What do you do when you approach an intersection, normally controlled by traffic signals, and the signals aren't working? The simple answer...STOP!

According to State Statute 346.37 (3) - "If a traffic control signal suffers a loss of power or otherwise malfunctions so the traffic control signal does not exhibit any color of light, vehicular traffic, pedestrians, and persons riding bicycles or electric personal assistive mobility devices shall proceed at the traffic control signal as if the traffic control signal were an official stop sign and shall comply with the requirements applicable under ss. 346.18 (1) and (3) and 346.46 (1), (2), and (4), unless otherwise directed by a traffic officer."

Violations of this law could result in a citation up to $187.90 and 3 points for first offense, $263.50 and 3 points for second offense within 1 year.


Any fishermen or fisherwomen out there!
Best Places to Fish in Wisconsin: Chetac and Birch Lakes

Any fishermen or fisherwomen out there!

Sawyer County's Chetac and Birch lakes offer anglers a wide variety of fishing opportunities. With numerous lodges along the shoreline of Chetac, this lake is a great destination for people seeking a fishing retreat.

This is a nice drive in the country when the season changes to autumn and the leaves turn to beautiful backdrops for the...
Shawano County and Beyond: How to Find Wisconsin’s Barn Quilts | Travel Wisconsin

This is a nice drive in the country when the season changes to autumn and the leaves turn to beautiful backdrops for the Wisconsin country side.


Shawano “Country” hails itself as Wisconsin’s barn quilt capital for a reason. With over 300 quilts mounted on barns throughout the county, there's really nothing like it!

Interested in yoga but don't know much about it, or where to start. please contact Joseph Moran at Haus of Bala.Local Yo...

Interested in yoga but don't know much about it, or where to start. please contact Joseph Moran at Haus of Bala.

Local Yoga Studio Influences Inner-Peace
By: Leo Costello | WLM Writer

Former U.S. Army mental health specialist Joseph
Moran recently opened his own yoga studio on
the west side of Appleton.

Haus of Bala is a small, private studio where Moran
conducts a variety of yoga sessions with individuals and
groups no bigger than 15. He says that with such a small
space, sessions can become more intimate and it’s much
easier for group breathing to become in sync.

“This is the perfect size where I’m able to kind of just
share my energy evenly with all my students,” Moran said.
“I wanted a sacred, safe place.”

The studio’s warm temperature, gentle colors, dim lighting,
and calming aroma create a welcoming yoga atmosphere.
An Om symbol is printed on the main wall. It’s a yoga
mantra made up of hums that allows students to focus
on something. Moran said the vibrations loosen up the
muscles, and from the beginning to the end of class,
students can feel the difference.

Owner Joseph Moran became interested in meditation
when he was only a teenager. He became a mental health
specialist for the U.S. Army when he was 18, acting as a
moral booster for soldiers in Texas. Since then, Moran has
worked at the San Antonio VA hospital, joined the Yoga
Alliance, and completed a 200 hour teaching certificate
under Yelena Storma, former owner of Lotus Power Yoga.

Moran said that during his service in the army, he wasn’t
allowed to have a personal relationship with his clients. At
Haus of Bala, he emphasizes the needs of each individual
that come into the studio. Bala itself is Sanskrit for “inner
strength and inner power,” Moran said.

Though yoga has a long history with Buddhism, it’s not
just for Buddhists. Moran recognizes that yoga is a form of
meditation that means something different to everyone, and
he welcomes all approaches to the practice.

“It’s not about what you believe in, it’s how you believe
it,” Moran said. “People need spirituality. Religion is hard.
As we get older and information becomes more accessible,
religion becomes harder to hold onto because it gives
you rules. Spirituality comes from within yourself. It’s
about how you can believe in yourself, what can you do
to change your life instead of projecting it to somebody else.”

Moran said proper yoga practice can help improve
cholesterol and stress levels, digestion, and can help rid the
body of toxins. Yoga also helps greatly with breath control,
which puts more oxygen in the brain, creating better brain

“Throughout our practice we’re working on truth to self,
concentration, meditation, breath, all for that moment of

Moran uses much of his free time volunteering at Father
Carr’s and big brother programs. He enjoys doing anything
from serving food to sorting clothes. He has high hopes to
integrate Haus of Bala with the community.

Haus of Bala currently has a core of about 60 students,
with some coming two to four times a week. Moran said
newcomers should expect mental clarity, a nice stretch,
relaxation, and an improvement in heart rate.

Moran offers a variety of classes at Haus of Bala (1hr
– 75min), ranging from basic entry-level yoga to more
intense yoga exercises. Students have the option to attend
a single class ($10), purchase class packages ($45 - $145),
or schedule a private lesson ($45/hour). Company events or
workshops are available upon request. Gift certificates are
also available for purchase.

“I really just want to emphasize that what I’m trying to do
here is make a very intimate, spiritual practice that’s not
so much focused on what you look like, how flexible your
going to get, but really this internal opening of yourself,”
Moran said. “That’s my goal.”


3003 W Prospect Ave
Appleton, WI


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