Happenings from this weeks meeting...
Call to Order

Presiding over the meeting today ... President Amy Roll. 

President Amy lead us in the Pledge of Allegiance and Norm Raymond led us in the singing of America.

Invocation was given by Bert Spaeth.

On the Menu...

It was Thanksgiving in October...oven roasted turkey breat, stuffing, mashed spuds, mixed veggies, cranberry sauce and dinner rolls.  And to top it all off, a chocolate brownie with vanilla ice cream and hot fudge.


PDG Mike Rambus and our speaker, Matt Vincent

The Games We Play


   The briefcase is on a roll, Fred took the prize this week, again! 


     We pulled three tickets this week, Cheryl was up first with no luck,

    then Sailor Norm went and fished that Ace of Spades right out of

    the water!!!  Poor Tom didn't even get a chance...maybe next time!

Happy Bucks

PDG Mike Rambus gave a dollar to promote the Berkley Clubs Pancake Breakfast on Saturday, Nov. 7th.

Tom Singer was happy that his nephews 4 year old daughter, Abby, had succussful surgery on her fractured skull.  She and her family were involved in a serious auto accident - Abby sustained the worst injuries, but should have a full recovery!

Sailor Norm is sad that Maritime Season is coming to an end, but happy that he now has time for other things, like attending weekly Rotary meetings.  He also was happy about his recent road trip to Ashville, NC for the Ohio-Erie Youth Exchange Program.

Cheryl Baur was happy about celebrating her and Alex's 10 year anniversary. 


Birthdays & Anniversaries

None to mention this week!

General Announcements
by Amelia Roll

General Announcements:

***Entertainment Books are now available, $20.00 per book ...  books are available at meetings or contact John Parker or Amy Roll for more details***

1. Helen Singer has offered to make a quilt for our club to raffle off at District Confernece this year.  We are asking for members to donate Rotary neckties for the project.  So gents, look and see if you have one to spare!!!!  This has potential to be a really great project for our club. Come on fellas, I haven't received any ties yet....Helen says they can be in less than perfect condition, so don't be shy, send them in!!!!

2. Official visit of DG Judy Garver will be on Oct. 15th.  There will be a board meeting that same day, 4:30 PM at Blumz.  It would be great to have some faces we haven't seen in a while at the meeting - please come and share a visit with the DG. 

3. We will be participating in the Ferndale Fall Festival on October 10th.  Our first event will be at Kennedy Elementary School, 24220 Rosewood, Oak Park from 11 AM - 3 PM; we will be giving away balloons to the kids and giving out information about Rotary to their parents.  We hope to highlight the bike helmets and DNA kits that our club supplies to the community.  Our second event will be at Ferndale Activity Center - Martin Rd. Park from 4 - 7 PM.  We will be doing the same thing there, in addition to hopefully selling FOP Raffle tickets (Earl is working on getting us a motorcycle to have on site).  Our main objective for participation is to bring awareness to the community about Rotary and maybe even recruit a few new members! Come out and enjoy a beutiful fall day in Ferndale and help promote our club!!

4. Rotary Jeopardy will be on November 10 at the Royal Oak Club beginning at 12:15.  Our club needs to designate two people to participate in the game.  We also need to provide 10 questions from the Rotarian Magazine - August, Septemeber and October issues.  If each of us submits one or two questions each, it will be real easy for us to come up with the best ten.  If you are interested in participating in the actual game, please let President Amy know.


Todays Program
by Amelia Roll

Our speaker today, Matt Vincent, is a return guest to our club.  As you may remember, Matt is a financial planner with L & M Benefits.  He shared with us what he calls the 7 Deadly Sins of Retirement Planning:

7. Avoid High Fees

6. Drawing income from stock market

5. Longer lives & inflation

4. No Plan for loss of spousal income

3. Biased & Bad Advice

2. A wrong mix of investments

1. NO PLAN for retirement income

Very interesting presentation given by Matt.  With todays economic climate, it is very important to have an advisor who has the experience and knowledge to manage your money carefully.  It is important that you and your advisor know what your goals are, so that your money can be invested properly.  Be sure that you question any potential advisor on their qualifications, experience, strategies and philosiphies about investing.  Ask them how they get paid, an advisor should not be shy about answering this question.  And lastly, make sure that the person you speak with, is the person who will be handling your investments - it is important to build a relationship with the person who will be monitoring and managing your accounts.