MPA Badge November 2013 - Milwaukee Police Association
Transcription
MPA Badge November 2013 - Milwaukee Police Association
November 2013 A Message from the President By Michael V. Crivello, MPA President This “Badge” represents the last of the year; therefore, I shall take this opportunity to wish all of our members, family and friends a wonderful Thanksgiving, a very Merry Christmas & Holiday Season – may God bless our New Year! I remain so very honored and humbled by the opportunity to be the president of your association. The police officers, forensic investigators, and detectives that proudly serve the City of Milwaukee truly are professionals. Your executive board of the Milwaukee Police Association remains at the ready to care for the needs of our membership. I am certain you’ve heard it many times if you attend our membership open meetings, interacted with me at an internal investigation representation or critical scene, or seen me at your work location – I shall state it again, “I work for you”! Your EBoard subscribes to the same. A member’s call is always welcomed; get to know your stewards and trustees: Vice President Mark Buetow, Secretary/Treasurer Shawn Lauda, Trustees Dale Bormann, Glen Podlesnik, Gary Brown and Trustee Elect Dennis Baisley. The year of 2013…long, difficult, and successful; while short staffed and exposed to relentless crime concerns culminating in the last few months of an explosion of criminal activity – the law enforcement of this community has not surrendered. While we had our share of injuries, some extremely serious in nature, our officers have remained in the fight. It is dangerous out there! Watch out for each other, stay safe and know this association shall never stop advocating for your safety concerns – to include getting to: two mansquads as a norm; rather than the anomaly. Nonmembers and family members can help us: forward your message to the chief, common council, and mayor – insist on partners for your loved ones! While recognizing we’ve navigated through some difficult waters, we have also had the opportunity to rejoice in success, fellowship and future prospective. The relaxing of the archaic residency rule was long overdue, and most simply, it was just the right thing to do. While the law is of benefit to current and potential officers, it represents even greater opportunity to communities no longer absolutely defined by boundary. To note: few officers have moved beyond the city boundaries and of those selling homes have actually witnessed sale higher than assessed value (=/>15k). Think about that…first there is no rush for the border as city leadership attempted to scare the citizenry with, but more interesting (as the MPA had argued) the sales of quality homes benefit the city tax base. The MPA welcomed, albeit small, a new recruit class to the Milwaukee Police Academy. Every new member counts, each of you are significant and gravely needed. Welcome aboard – we enthusiastically look forward to your graduation! I, along with my wife had the opportunity to meet a retired member and reunite him with his, believed to be lost forever, special item of importance. While traveling with his wife, David Ritchie was forced to surrender his money clip to the TSA at the Milwaukee Airport. The Ritchies’ were on the way to Arizona to visit family in Phoenix, Arizona. David had the money clip, which had his initials on it and “Milwaukee Police”, for twenty years. It also had an extremely dangerous concealed single blade nearly an entire inch in length; David surrendered the knife without incident. No telling what…such a dangerous money clip could have caused. His only alternative would have been to take the item back to his car, which most likely would have resulted in missing the aircraft departure. David, “This money clip had sentimental value and I hated to give it up, but I didn’t have time to go back to my car so I forfeited my clip.” So a Saturday drive out to the Ritchies’ in Waterford resulted in smiles and wonderful opportunity to meet a great couple enjoying retirement…but how did we get the money clip? A few months had passed from the confiscation of the knife, and fate – if you will, began to move forward. Joe Anderer and Dan Wesolowski were at the “free issue” government consignment warehouse/store outside of Madison – they were there looking for items of value that could be used by the MPD. This location is a government turn-in (military/TSA... other) area where law enforcement can request procurement. They spotted the item. After a discussion as to, first this must belong to a member, and then what could they do to figure out who was the disenfranchised owner? They decided to claim the item with intent to return it to the rightful owner. Joe brought it to the MPA office where Team MPA member (Lisa) accepted the item and ultimately the assignment of searching for individuals with matching initials. Eventually she located a prospect, made a call, and the rest is history. Thanks Joe and Dan for caring enough to recover the clip and thank you Lisa for not giving up until you matched a name with the initials. David Ritchie served the City of Milwaukee Police Department 1973-2003. How about that Max Siepert? Max is the young man who selflessly left his savings on the counter of the Greenfield Police Department counter and unassumingly left without expectation. He gave from the heart expecting nothing in return. On October 23, 2013 we (MPA) invited Max and family to stop by the office to be recognized by the Association. Max is the grandson of fallen MPD officer Michael Draeger [10.20.1969 – 12.28.1974]. We say it – we mean it, “we never forget”! PO Michael Draeger’s legacy lives on strong! His daughter Bridget and her husband Andy are raising an incredible family. Max a sixth grader and little brother Sam in third grade, both are incredible young men. Well it turns out Sam, too, is a giver; he conPRESIDENT, continued on page 2 PRESIDENT, continued from page 1 6310 W. Bluemound Road Milwaukee, WI 53213 Office Telephone (414) 778-0740 Fax (414) 778-0757 www.milwaukeepoliceassoc.com Editor............................................Gary Brown Milwaukee Police Association Executive Officers and Board Members President.......................... Michael V. Crivello Vice-President........................... Mark Buetow Secretary/Treasurer..................... Shaun Lauda Board of Trustees Dale Bormann Glenn Podlesnik Gary Brown Legal Counsel.............................. Jon Cermele Legal Counsel.................... Brendan Matthews Legal Counsel............................. Patrick Ritter Secretary-Supervisor...............Candy Johnson Staff Specialist.......................... Lisa Gonzalez Photographer................................T.J. Lambert Designed by: iMarketing Solutions Group/American Graphics & Design 700 West Virginia St. | Suite 700, Milwaukee, WI 53204 Jenny DeBack, President Cindy Chic, Graphic Designer Ellen Imp, Composition Specialist The Milwaukee Badge is the official publication of the Milwaukee Police Association of Milwaukee, Wisconsin. However, opinions expressed in this publication do not necessarily represent those of the MPA unless specifically stated. Otherwise, articles represent the opinions of the article’s author. Any similarity between the people and places in the fiction and semi-fiction of articles printed and the real people and places are purely coincidental. All rights in letters sent in to the Milwaukee Badge will be treated as unconditionally assigned for publication and copyright purposes and are subject to the Milwaukee Badge’s unrestricted right to edit and to comment editorially. No responsibilities can be assumed for unsolicited materials. Nothing may be reprinted in whole or in part without credit given to the author and the Milwaukee Badge by edition. Readers wishing to contribute articles or letters for publication are requested to observe several simple rules: 1. Return postage must accompany all manuscripts, drawings, and photographs submitted if they are to be returned. 2. Letters or articles must be accompanied by the writer’s true name and address. If requested, the writer’s name may be withheld. 3. Writers are assured of freedom of expression within the necessary limits of good taste and available space. 4. Please keep letters or articles legible. Articles should be submitted on disk with hard copy typed and double-spaced. Publication: The Milwaukee Badge Issue Date: November 2013 Statement of frequency: Published four times a year in Jan. 1, March 1, July 1 and Oct. 1. Authorized Organization: Milwaukee Police Association 6310 West Bluemound Road Milwaukee, WI 53213 (414) 778-0740 • Fax: (414) 778-0757 2 tributed to the original collection of monies put together by Max for donation to the Greenfield P.D. On behalf of all our members the MPA presented Max with a $250.00 check – Andy (dad) said it will be a great addition to his son’s scholarship fund. We also presented each boy with a MPA T-Shirt, a MPD cap and an MPA challenge coin. The boys truly enjoyed their visit to the office and the accompanied tour to Shawn’s sports memorabilia filled office. We were gifted by the warm reception of appreciation when we presented Bridget (mom) with a plaque. The plaque had her father’s picture, years of service, and badge on it – no doubt it was meaningful. Jana Schoberg of Modern Woodman moved by Max’s selfless generosity also wanted to reach out to recognize young Max. Modern Woodman presented Max with the Modern Woodman hometown hero certificate and awarded Max a $100.00 check of which he could present to the charity of his choice. We shared some cake…special inscription identifying Max as a hometown hero…goodbyes and memories of a great meeting as the adorable Siepert family left our lodge …and one more gift before leaving: Max, very unexpectedly, presented us with a monetary gift. We accepted and agreed to abide by request that we would use it to help those affected by family loss due to the hazards of the vocation. Brother Michael Draeger looking down…no doubt was grinning ear-to-ear with pride – proud father; proud grandfather! Mike Crivello President, Milwaukee Police Association …may God Bless the entire community and keep our officers safe November 2013 Shielded Hearts – When Hyper-Vigilance Pays Off By Leah Palmer Being the wife of a cop isn’t always easy. In fact, it can be extremely difficult at times. Some days he simply cannot turn off his state of “super-alertness”, otherwise known as hyper-vigilance. When we’re out to a nice dinner or trying to relax, this state of mind can get on my nerves. However, there was one time I was grateful for his training. One day, my LEO and I were taking our daily walk with our two dogs and our infant on a warm, pleasant summer evening. We were talking about our days as we walked when suddenly his “cop radar” went on and his ability to have a regular conversation went off. He spotted two young males wearing oversized hooded sweatshirts, walking in the middle of the street; they were glancing our way a little too often. We normally would have turned right to go on our street, but we kept walking straight to avoid them. “They just look suspicious,” my husband said. I started to feel anxious as well, because something about the way they were looking at us scared me. Then, not ten seconds later, a squad car pulled onto our street and parked a few houses down. We both looked at the squad, looked at the young men and looked back at the squad as if to say, “Please go check them out!” The young men seemed aware of the squad as well, because they moved onto the sidewalk. We kept walking in the opposite direction and hoped that the police would at least drive by them. About ten minutes later as we looped back around to our street we saw four squad cars parked at the nearby elementary school with their lights on. We knew then something had happened and that my husband’s intuition had, sadly, probably been right. He said he would look up the report later at work and we went home. The next morning I received a text from my LEO telling me that the police found drugs on one of the young men and that the other one had a loaded gun (carrying illegally). If that wasn’t bad enough, the report also listed our address as the place where police stopped them. My family had walked within a few feet of these men and they had walked right past our house! My heart sped up and tears began to form in my eyes. Being a LEO wife I often hear “bad” stories that scare me, but this was way too close to home. Literally. Now, were we in direct danger? Probably not. However, maybe we could have had some sort of encounter with them. Maybe, had I been alone with our baby, they would have tried to steal my phone. Maybe they would have seen where we lived and scoped out our cars. Maybe they would have followed our 10-year-old neighbor boy to the park and harassed him. Maybe a drug transaction could have gone wrong and that gun would have been fired. Too many “maybes” ran through my head as I read the text from my husband. I am so glad that he had been aware of our surroundings when this happened and that we avoided the men. I’m also extremely grateful for the officers who caught up with them and took the drugs and gun off the street. Justice was served that day! If you are looking for someone who understands those “maybes”, then check out Shielded Hearts. Leah Palmer writes on behalf of Shielded Hearts, Inc. Shielded Hearts is a community of women in long-term committed relationships with men in law enforcement. We encourage hope in police life through education, friendship, service and faith. Shielded Hearts – Ten Feet By Angie Kasal “Ten feet.” Those two words were uttered by my husband this weekend in a story he was relaying to me about a traffic stop he made last week and I must admit, I am reflecting on them a lot. The story goes like this… He was assisting another Law Enforcement Officer on a traffic accident on one of the State Highways. He was trying to help the semi that was involved in the accident with merging back on the freeway, when a motor vehicle swerved around his squad and went flying by them at a high rate of speed. My husband decided to pursue the speeding vehicle and make contact. After finding the offending driver and trying to run the plates (I have to admit he was pretty upset that the computers were down at the time) he addressed the situation as follows: “Sir, today is your lucky day. I was planning on giving you a ticket for the way you swerved around us and were speeding, but my computer is down.” (For the record, the driver admitted at this time that he was wrong.) November 2013 My husband continued with: “Instead, what I would like you to do is look ahead of you. Do you see that yellow line? Every day I am ten feet from death. The ten feet on the other side of that line is what is allowing me to make it home to my family every day. I have six kids that I go home to every night. Who do you think will take care of them and raise them if something happens to me while I am working?” The driver responded with: “I am truly sorry. I promise to be more careful and pass your words on to my friends and family.” And then he shook my husband’s hand. Ten feet – two powerful and scary words. Angie Kasal writes on behalf of Shielded Hearts, Inc. Shielded Hearts is a community of women in long-term committed relationships with men in law enforcement. We encourage hope in police life through education, friendship, service and faith. 3 4 November 2013 CHRISTMAS PARTY AMERICAN LEGION MILWAUKEE POLICE POST 415 At the H.A. Todd Post 537 South 92nd Street and West Beloit Road WEDNESDAY, DECEMBER 11th, 2013 6:00 PM-10:00 PM LIMITED TICKETS AVAILABLE Food, Beverages, Door Prizes and “Raffles” Legionnaires, Veterans and Friends are welcome to join us for a relaxing time! Call for more information or for tickets: Bruce Jensen 414-257-2591 ~ Alfonso Salinas 414-587-7172 Richard Thompson 414-758-8569 ~ Don Brockman 321-9211 November 2013 5 By Glenn Podlesnik Thank you to all sponsors, golfers and volunteers that helped to make this year’s annual golf outing a huge success. For the first time in years we reached the maximum number of participants – 144 golfers! The former Chairman of the golf outing committee, Mark Sikora, recently retired. While I wished him the best with his future, I worried about my own! I was assigned to replace Mark as the golf committee chair and although I have attended outings in the past, I have never been available to attend the M.P.A. outing. Knowing the love of history and tradition of our members, both current and retired, I feared the unknown. I did not want to be the trustee that ruined this special event. Luckily for me I had a great source for information. I leaned on those that hold the most knowledge on these issues, our office staff, Candy Johnson and Lisa Gonzalez. I would like to thank them both for all of their hard work, which made this outing a success. I would also like to thank them for their patience; I’m sure I drove them nuts with my constant worrying! This year’s outing was a little different than years past. The board decided to donate a portion of the days proceeds to a charity. As we discussed the many causes that deserve our attention we decided to support one that hits close to home. The Wisconsin Chapter of Concerns of Police Survivors (C.O.P.S.) immediately came to mind. C.O.P.S. exists to minister to the needs of families who have suffered the loss of a law enforcement officer, whether those needs are emotional, psychological, financial or legal. I reached out to 6 the C.O.P.S. board secretary, Denise Held, and they were excited to have us on board. If you attended the event hopefully you took a few moments on Hole #8 to speak with the C.O.P.S. representatives, Jeff Harbridge and Harold Wienke. It was an honor to have them at the event to educate us all on this important cause. I am proud to inform you that due to the generosity of the sponsors and golfers we were able to raise $4,000 for C.O.P.S. A special thank you goes to Jana Schoberg and Modern Woodmen for going above and beyond, with their matching funds donation of $1,000 to C.O.P.S. I would also like to take a moment to thank our Honorary Chair of the event, Senator Leah Vukmir. Senator Vukmir comes from a law enforcement family and was crucial in helping to eliminate residency rules throughout the State. Thank you for all of your support Senator Vukmir! We were also happy to have senate candidate Van Wanggaard join us for the event. He too was crucial in supporting our battle regarding residency. Van stated, “I really enjoyed attending your outing and the opportunity to spend time with all of you!” Thanks Van, it was a pleasure having you attend. Congrats to this year’s winning foursome, Dan Keller, Brian Young, Paul Terriquez and Rick Michalak, who shot an impressive 8 under par. This year’s winners each took home a M.P.A. gym bag, Ben Hogan GOLF, continued on page 7 November 2013 GOLF, continued from page 6 visor, a dozen M.P.A. golf balls, tees and…bragging rights! Look for your names to soon be on a plaque displayed at the M.P.A. hall. Hole #17 was once again the par 3 with a chance to win a brand new Silverado, provided by Ewald Chevy Buick of Oconomowoc! Janine Kolbeck from the Ewald Automotive Advantage Program manned this hole with Norm Schmidt. This year we came about four inches from having a winner! Steve Bass from the Metropolitan Milwaukee Association of Commerce hit the flagstick and the ball dropped straight down, just missing the hole by four inches. We decided that Steve was so close he could jump into the Silverado, start it up, but not drive it away! Maybe next year we can finally get a winner. Janine and Norm would like me to remind you all to stop in and get your complimentary $200 Maui Jim sunglasses! Thanks to the generosity of our sponsors we had some great raffle prizes, such as signed Packer footballs, brand new drivers, overnight accommodations at the Pfister, Hilton and Hampton Inn to a wheelbarrow full of booze and much more! (Of course, the wheelbarrow full of booze was a huge success.) Diamond Sponsors: Altria Client Services American Behavioral Clinics, SC Annex Wealth Management Cermele & Matthews, SC Ewald Automotive Advantage Program Fuchs and Boyle, SC International Union of Police Associations Lucas Security Inc. Metropolitan Milwaukee Association of Commerce Milwaukee Deputy Sheriffs’ Association Milwaukee Police Supervisors’ Organization Milwaukee Professional Fire Fighters Assn. Local 215 Modern Woodmen Mutual of Omaha Professional Fire Fighters of Wisconsin Redefined Realty Rounding Third – Toetz Enterprises School Choice Wisconsin Will Enterprises Wisconsin Professional Police Association Gold Sponsors: Komisar Brady & Co., LLP Milwaukee Police Department Executive Command Staff Stages Photography Your Home Buying Agency, LLC November 2013 A special thanks to Western Lakes Golf Club owners Greg and Paula Essig for welcoming us to their beautiful course and great facility. Your staff made the event almost effortless. I look forward to running the event again next year and already have plans to make it more exciting, with larger raffle prizes and new on course events. So…save the date: Tuesday, August 26, 2014! Be sure to sign up early, because I plan on selling out again! Photos from the event were captured by TJ Lambert, owner of Stages Photography. Copies will be made available and can be picked up at the M.P.A. office. Once again, I would like to thank all of the volunteers: Candy, Lisa and the entire M.P.A. Board for helping to make this a great event! Let’s also not forget the most important people who made this event possible…you! Thank you golfers, members, retirees, guests, friends and sponsors! Please take a few moments to read over the names below. These are the companies that support us and we should all show our appreciation by patronizing their businesses. Silver Sponsors: JKL Remodeling and Home Repair, Inc. La Perla, LLC Wisconsin Vision Raffle Prize Donors: Alioto’s Restaurant Associated Bank/Keith Saeger Burton & Mayer, Inc. Business Journal Butch’s Old Casino Steak House Care-a-lotta (Bartolotta Charitable Fund) Cermele & Matthews, SC Comedy Sportz 1855 Project.com Fast Park & Relax Green Bay Packers Greg and Paula Essig & Western Lakes Golf Club Hampton Inn – Milwaukee Airport Harley-Davidson Museum Healing Hands Therapy Center, LLC Herbert H. Kohl Charities, Inc./Milwaukee Bucks Hilton Milwaukee City Center ISE Consulting/John Tralongo Klement Sausage Co., Inc. Koss Corporation Metro Cigars Milwaukee Admirals Milwaukee Chophouse Milwaukee County Zoo Milwaukee Pedal Tavern Milwaukee Police Association and Executive Board Pfister Hotel Potawatomi Bingo Casino Surg Restaurant Group Wisconsin Vision Zaffiro’s Pizza Goody Bag and Additional Donors: AFL-CIO Investment Trust Corporation Associated Bank Milwaukee Police Association Modern Woodmen Mutual of Omaha Waterstone Mortgage/Tim Good Will Enterprises Wisconsin Union Labor Agency Wisconsin Vision 7 8 November 2013 November 2013 9 10 November 2013 November 2013 11 12 November 2013 November 2013 13 Supporting the Cause By Glenn Podlesnik If you attended this years M.P.A. golf outing at Western Lakes Golf Club, you probably took special notice of the sponsorship sign on the 10th hole. This year while researching how to organize and fund a charity golf outing, I came across an interesting sponsorship sign. The sign simply stated, “This hole was sponsored by your Police Chief. Enjoy your day!” I loved the fact that a Police Chief would sponsor a hole and support his troops, so it was then that I decided I would approach Chief Flynn and offer him the same opportunity. Not only was the Chief interested in sponsoring a hole, he took it a step further, challenging his Executive Command Staff to reach into their pockets and contribute to our listed charity, C.O.P.S. (Concerns of Police Survivors). I’m proud to inform you that they all rose to the occasion and contributed to sponsoring a hole – 100% of their sponsorship money was donated directly to the charity. The morning after the outing, President Crivello and I surprised the Command Staff with a Milwaukee Police Association cake to show our appreciation for their contribution. I would like to thank Chief Flynn and the entire Executive Command Staff not only for supporting C.O.P.S., but our outing as well! If you talk with any of the following Executive Command Staff members, please take a moment to share your appreciation! Pictured is President Crivello and Chief Edward Flynn, who surprised the staff with a cake in appreciation of their contribution. Pictured is Denise Held, along with the MPA members, holding a check presented to C.O.P.S. 14 Chief Edward Flynn Assistant Chief James Harpole Assistant Chief Edith Hudson Assistant Chief Kurt Leibold Inspector Mary Hoerig Inspector William Jessup Inspector Carianne Yerkes November 2013 Roth IRA An important piece to your financial puzzle By Paul Thomas Many of you may be looking for more choices to grow your retirement nest egg or wish to have another bucket of income to rely on for those unexpected events in life. A Roth IRA is a fantastic addition to your current deferred compensation plan. A Roth IRA, like a traditional IRA, is not an investment, but a tax-advantaged vehicle in which you can hold some of your investments. You need to decide how to invest your Roth IRA dollars based on your own tolerance for risk and investment philosophy. How fast your Roth IRA dollars grow is largely a function of the investments you choose. For 2013, you can contribute up to the lesser of $5,500 ($6,500 if you’re age 50 or older) or 100 percent of your taxable compensation to a Roth IRA. You may also be able to contribute up to $5,500 to a Roth IRA in your spouse’s name even if he or she receives little or no taxable compensation ($6,500 if your spouse is 50 or older). If you file your federal income tax return as single or head of household and your Modified Adjusted Gross Income (MAGI) for 2013 is $112,000 or less, you can make a full contribution to your Roth IRA. Similarly, if you file your return as married filing jointly and your MAGI for 2013 is $178,000 or less, you can make a full contribution. Total contributions to Roth IRAs will not affect your maximum amount that you can contribute to your 457 plan. If you contribute the maximum allowed to a traditional IRA for any year, you cannot contribute to your Roth IRA at all for that year. If you make a partial contribution to your traditional IRA, your allowable Roth IRA contribution for that year is equal to the difference between the annual IRA contribution limit and the amount contributed to your traditional IRA (or vice versa). There are a few reasons why you should take advantage of the Roth IRA contributions. (Always consult your tax professional for tax advice): 1. You can open a Roth as long as you have earned income. 2. You can withdraw Roth IRA contributions whenever you want, tax- and penalty-free. If you withdraw earnings prior to 59-1/2, then there will be a 10% penalty on those earnings. 3. You can withdraw all of your contributions and up to $10,000 of earnings to buy your first house, tax- and penalty-free, once the account has been opened for at least five years. 4. Roth IRAs give you more flexibility to maximize your contributions to the account each year. While you’re still limited to $5,000 in annual Roth contributions, you get a 16-month window to fund the account. 5. Roth IRA withdrawals are easier to do than from your current 457 plan. 6. Even when you’re gone, your Roth IRA will still be doing well. You can pass your account funds on after you die, and heirs get to receive this money in annual or lump-sum distributions in the same tax-free way that you would have. If you need any assistance, please do not hesitate to contact me at 414-359-1613, Ext. 244 or by email at paul.thomas@ mutualofomaha.com BUSINESS LISTINGS RETIRED AND RESIGNED Jon Johnson, Retired MPD Real Estate Broker 30+ years Century 21 Reich & Roberts 414-507-3587 NAME Retired APPOINTEDRETIRED BAKER, David L. FRANCIS, Marilyn HARGROVE, Judy A. 09/24/1984 09/23/1985 09/30/1991 06/23/2013 07/21/2013 06/29/2013 Resigned NAME APPOINTEDRESIGNED GILDER, James T. 12/09/2002 MORRISON, Robert A. 04/28/2003 RITMANICH, Michael A. 08/05/2013 VAGNINI, Michael A. 12/06/2004 November 2013 06/28/2013 08/03/2013 08/14/2013 06/19/2013 15 FLANK STEAK PARMESAN WAZETTE’S KITCHEN By Shirley Waszak DEAR READER, What a summer this has been. First it was cold, then hot, followed by really hot, then really cold. Scheez! What a roller coaster ride it has been. I’m not superstitious, but could the thirteen in the year 2013 have anything to do with it? I don’t know, but I have to blame something for my flower catastrophe. Be prepared for some real whining and bellyaching sprinkled here and there in my story. Like most gardeners, I sit in the house during the long winter months waiting for spring. Sitting on the couch, I read all the gardening and flower catalogs I received. By March I had received 23 catalogs. Some catalogs I ordered from, some I didn’t. Two years ago, I had a hanging basket filled with yellow Calibrachoa flowers. Calibrachoa flowers are also known as Million Bells. The flowers were stunningly beautiful. I wanted a lot of them for 2013. Seeds take too long. I wanted plants. In April, I looked on EBAY and found what I wanted. They were tiny plants about the size of my thumb. Shipping was $15.00. That was more then the plants cost, but that’s what I wanted. The weather at the end of April was warmer then usual, and like a rookie gardener I planted the flowers right away and put them outside. The nights turned cold and all the plants died. It was my fault the flowers died. I planted too early. A week later I ordered more plants from the same shipper. This time I waited until the second week in May before putting the plants outside. Then we had an unusually hot spell and all the plants died. Undaunted, I ordered more Calibrachoa plants for the third time. This time I had to order from a different shipper. The plants were delivered via Priority One Mail. The lady mailman came to our door and handed the box, UPSIDE DOWN, to The Waz. She advised him to be careful. The box was spilling dirt out of one of the corners. You can imagine the mangled, broken mess I found inside. The plants were destroyed. That was strike three for those flowers! I had spent a lot of money and had no flowers. You’ll laugh at what I did next. I bought 24 metal flowers! I went online and found a place that sold items at a discount price. They had large 5-inch wide metal flowers on 18-inch stems. They came in several colors 16 1-1/4 pounds flank steak, trimmed 1/2 cup parsley, stemmed 1 garlic clove 2 slices of bread, quartered 3 tablespoons grated Parmesan cheese 1/4 teaspoon white or black pepper 1/4 teaspoon salt 1egg 2 teaspoons water 1-1/2 tablespoons oil Cut the steak into 4 equal pieces. Flatten slightly between sheets of plastic wrap or waxed paper. Score diamond pattern lightly on both sides with a sharp knife. Place parsley and garlic in food processor; whirl until chopped. Add bread, Parmesan cheese, pepper and salt; whirl until medium-size crumbs. Place crumb mixture on large plate. In separate bowl, beat together egg and water with fork. Dip both sides of each steak in egg, then crumb mixture; place on waxed paper. Heat oil in large, nonstick skillet over medium-high heat until very hot. Reduce heat if the oil starts popping, splattering or smoking. Gently add steaks and cook 4 minutes, turning halfway through cooking. Do not overcook or steaks will be tough. Serve immediately. Yield: 4 servings. and had little butterflies and bees on them. Finally my neighbors had flowers to look at! I hope these flowers don’t rust before I can replace them with real flowers next spring!! ? ? AMAZING GARDEN HINTS ? ? Pumpkins make fun autumn planters. Just cut off the tops of the pumpkins and scrape out the seeds and fibers. Put pots of chrysanthemums inside the pumpkins for a bright fun planter. While you’re at it, why not salt the pumpkin seeds and roast them in the oven since you’ve got them all ready to go? * * * The Waz didn’t write an article this time. He said he didn’t have any information because he didn’t run into anyone. If you have any news to tell him contact him at [email protected]. The Waz never got into computer stuff, so I’ll have to get your e-mail and pass it on to him like I have in the past. Until next time, BON APPETITE! WAZETTE November 2013 Join Us For The Annual Milwaukee Police Association CHRISTMAS PARTY Tuesday, December 10, 2013 8:00 a.m. – 1:00 a.m. Serb Hall 5101 W. Oklahoma Avenue All Active and Retired Members are invited to attend November 2013 17 Wisconsin Police Department’s New-Style Patches In the last issue, eight new-style Wisconsin Police Departments were pictured showing descriptive designs. Their colorful cloth emblems will continue in the next issues. The person that laid out the design for new-style Wisconsin Police emblems certainly had a creative way of denoting what the city is noted for, using Indian symbols, some used patriotic design and sometimes using just the Wisconsin State Seal. The four photos hold the following departments: Chilton PD, Calumet County; Combined Locks PD, Outagamie County; Village of Crivitz PD; Marinette County; Cuba City PD; Grant County; Dane PD, Dane County; Darlington PD, Lafayette County; Village The Milwaukee Badge 18 of Dresser PD, Polk County; Edgerton PD, Rock County. These eight Wisconsin patches have these kind of designations within the patch as aforementioned. Chilton PD emphasizes the Indian culture of the area. Combined Locks PD has a patriotic design with the bald eagle and USA Flag within patch. Crivitz PD patch holds the recreation symbols of the area and was incorporated as the Village of Crivitz in 1974. Cuba City PD has wording “City of Presidents” using a red/white/blue colorful background. Dane PD used the WI State Seal since this is the Capital City of Wisconsin. Darlington PD patch holds the county courthouse as Darlington is the County Seat for Lafayette County. Dresser PD has the train within the patch as the Soo Line RR was built through this area in 1885. Edgerton PD used the State Seal for their newstyle patch and is the area where tobacco got its start. Donald E. Brockman 3345 S. 77th Street Milwaukee, WI 53219-3818 [email protected] November 2013 Wisconsin Police Department’s New-Style Patches With progression coming along, the movement of new looks in police shoulder patches is one of the fields taken seriously by collectors. The new-style police patches obtained in the last several years continue on in the four photos showing the progress that is taking place with the descriptiveness within most of these eight patches. Fox Lake PD, Dodge County; Town of Fox Lake PD, Dodge County; Frederic PD, Polk County; Freedom PD, Outagamie County; Town of Geneva PD, Walworth County; Green Lake PD, Green Lake County; Town of Hartford PD, Washington County; Town of Hayward PD, Sawyer County. Some of the patches show their location within the state, like Fox Lake PD. The outline of Wisconsin is within the Fox Lake PD patch showing the lake in blue and a gold star for the city. The lettering in the patch is prominently done using different sizes and widths. Town of Fox Lake PD has POLICE in large lettering on top of the patch with a 7-pointed star in the middle with Town of Fox Lake, Wisconsin underneath on a gray background with white lettering. The Town of Fox Lake has an area of 36 miles and completely surrounds the City of Fox Lake. Frederic PD patch is shield-shaped holding a round circle in the middle with the State Seal on a black background with prominent lettering of Frederic Police. Frederic was established as a sawmill town because of the hardwood timber between 1902-1906 and, at that time, was the largest hardwood sawmill in the United States. The Town of Freedom PD is a brightly-colored patch of yellow lettering with white lines emphasizing the lettering on a green background. The middle of the patch holds the yellow rays of the sun with a farm scene and a shamrock in the middle on a white background. Freedom lies halfway between Appleton and Green Bay and dates back to 1830. Town of Geneva PD patch holds the State Seal on a blue back- November 2013 ground with three white stars and the scales of justice superimposed on a black background with white lettering surrounding the blue middle. The first people in the area of Geneva were “mound builders” and the next inhabitants were the Potawatomi Indians. The first settler was in 1836 and much more historical writings were found of this area, which prompts me to remind the reader it would be worthwhile to take time and read and travel to enjoy the history of Wisconsin. The Green Lake PD patch holds the triangular small scene of a sailboat in white with a green background representing the lake. The lettering “Green Lake” is in green and Wisconsin is in black in bold lettering, all on a white background with a dark strip across the patch holding the white lettering “Police Dept.” The beauty of Green Lake was discovered in 1937 and a mill was built there in 1871. The Town of Hartford PD has a central colorful scene and clearly pronounces in white letters “POLICE” on top of the patch and surrounding the scene within a blue circle is white lettering, reading “Town of Hartford, Wisconsin”. This is all on a black background with an edging of yellow. The Town of Hartford surrounds the City of Hartford and is home to Pike Lake. The Town of Hayward PD has a “Screaming Eagle” patch. The Town of Hayward surrounds the City of Hayward. The cities of Wisconsin hold a wealth of historical information for anyone that wishes to delve into their interesting background. Travelers from other states are welcome to visit and enjoy our colorful and beautiful surroundings. Donald E. Brockman 3345 S. 77th Street Milwaukee, WI 53219-3818 [email protected] 19 Support your Police! The MPA is currently in contract negotiations for a successor agreement. On October 16, 2013 President Crivello attended the budget hearing for the police department. There were some issues of concerns brought before committee that raised concern. The following was correspondence addressing the concerns and a few important non-contractual items: October 17, 2013 City of Milwaukee Common Council/Finance and Personnel Committee/Alderman Michael Murphy, Chair 200 East Wells Street Milwaukee, WI 53202 RE: 2014 Milwaukee Police Budget Alderman Murphy, On October 16, 2013 I was present at the entire Milwaukee Police Budget Hearing. Immediately following the hearing I approached you regarding the unfortunate fact that you did not afford me an opportunity to speak at the hearing. I certainly appreciate your acknowledgement: that it was nothing more than an oversight and that you held no intent as to not hearing the concerns of the Milwaukee Police Association (MPA), and that you pledged to accept written documentation of what I would have otherwise verbally presented. It had been your practice to acknowledge the presence of labor association leadership; therefore I respectfully waited for the chair to call for comment. I trust that the rapid adjournment was not intended to prevent the hearing of the Associations concerns; further I respect your true consideration of the following: 1. Furloughs 2. Radio functionality 3. Detective positions 4. Staffing/Attrition rate 1. Furloughs must be questioned relative to practicality. While we have recently been exposed to an absolute spike in criminal activity, we continued to furlough our officers. More curious, at the same time we furlough our officers we (City/ MPD) are paying them overtime. Furloughed today – paid overtime tomorrow; it certainly does not appear to be proper management. When suddenly the city erupted with criminal activity many officers still had yet to serve an unpaid furlough day. Considering only MPA members that would equate to approximately 1,600 man-days; we could have gained 1,600 eight hour straight pay shifts rather than directing officers to overtime. With that being said, you must take pause to consider the effect of furloughing our officers at a rate of three furlough days for the 2014 Budget. This action is equivalent to an excess of 4,800 mandays. This comes at a time when our officers are already performing at an accelerated tempo – a pace that simply is unsustainable. I will remind you that our officers (all) that are mandated to take furlough days will not be afforded an opportunity to take them when all other city employees do; that being in-conjunction with holidays or other advantageous times. Our officers work 24/7, 365 days a year. They are not afforded the luxury of extending weekends and holidays with furloughs. In-fact, due to the furlough staffing balance, obtaining additional off days has become more difficult. Additional off day requests are extremely important considering the demands of the occupation. Our force is fatigued. Furlough deliberation should consider: Public safety/Officer Safety, the morale and welfare of the serving force, and the lack of documentation illustrating other means of budgetary relief 20 requests and endeavors; or the recognition as to what they (officers) have already given. There is no doubt a smaller force equates to less opportunity to interdict the criminal(s) while engaged in the act committing crimes…the public subsequently is less safe. Of equal (arguably greater) concern is it [furloughing] places our officers’ safety in jeopardy; our patrol officers rarely work two-man squads. One-man squads are extremely more dangerous to both the officer, as well as, an encountered criminal. An officer is more likely to be injured, while at the same time he/she is more likely to escalate the level of force simply to survive a one-to-one battle. As to the morale and welfare of the force…consistently I hear of the lack of appreciation for these men and women relative to what they must deal with daily. I routinely have discussions whereas an officer had planned to work beyond twenty-five years, but now count the days. I am extremely proud of the professionalism of our officers; they have answered a calling that offers great reward while the service equally demands just as much or greater in return. Our officers deserve to know they matter, especially when they have demonstrated partnership and community to the city. I remind you that our officers voluntarily ratified a contract which included a two year zero pay raise, all officers paying 12% towards health care; the contract also positioned the department to address the staffing issue by hiring new recruits at 25% less than previous. 2. Alderman Murphy you committed as to the functionality of the radio system. Specifically I recall your comment to be near to …it’s not an election year therefore there has been no complaints regarding the radios. The chief sat mute. Let me be perfectly clear, this radio system remains an absolute concern of our members’ and the Association that represents them. The IT director fully understands and has distinctly addressed the flawed purchasing process which brought this system to Milwaukee. I have on numerous occasions requested contact information relative to the successful implementation process of the same Harris product for law enforcement use in any other municipality – there has been none presented. The radios remain an absolute safety concern! Additionally, as we move forward with the Potawatomi project be forewarned, the radios are nonfunctional within their building. The IT director is aware and has stated he is addressing the issue. 3. I certainly appreciate your inquiry directed to the chief relative to the detective staffing issue; however, I am troubled by his response. He effectively stifled your concerns, reflecting on an overstated interaction he encountered shortly after his arrival in Milwaukee. If the encounter developed as the Chief recalls it, he would have been right to be concern; however, it would be rare in nature, if not isolated to that single experience. For well over the twenty years preceding the arrival of this chief the detective rank maintained near full staffing – rarely did the percentage between the actual staffing and the authorized strength move but a few points. It currently stands at a 30% deficit. This creates many issues of great concern: fewer detectives equates to overworked officers, which are expected to perform beyond their training while not afforded adequate time to conduct quality investigations; detectives are true force multipliers, as they can relieve officers freeing them to return to active patrol while facilitating reasonable enhancement to response times; detective corps had performed invaluable human intelligence procurement; detective duties once produced immeasurable oversight to officers – I illustrated this to the Common Council in a letter (Oct. 2012), the unfortunate investigative errors that took place at District Five would never have SUPPORT YOUR POLICE, continued on page 21 November 2013 SUPPORT YOUR POLICE, continued from page 20 occurred under the previous structure; while there remains many more examples of the importance of a properly staffed detective corps – I will conclude with an observation. Detectives, quality credible sleuths do not just happen. The greatest crime solvers this city has experienced were grown through a process of mentorship – without a continuation of fostering techniques and skills in those that will replace us we will falter. 4. The ebbs and flows of hiring and promoting are what cause the cyclical damage to the conduct of duty; which can be linked directly as a causation of outcome while analyzing flawed behavior of law enforcement. With underscore staffing must remaining constant, while we closely monitor and study the attrition rate. Without doubt there is a correlation between retirement and individual treatment of force members. I have offered in partnership with the department to study why officers (more than in the past) count the days to retirement. Quality exit interviews need consideration – this is currently not accomplished. While not solely founded in concern of the looming explosion of retirement eligible individuals, it is a driving factor. Within the next five years, starting next year, our association alone will represent the possibility of 337 retirement eligible members. This is a direct result of deviation from hiring consistency – the recruit classes beginning in 1990 will/ have matured and are ready for retirement. This committee and council have the opportunity and authority to take the appropriate action in addressing the aforementioned issues. The MPA respectfully challenges the committee/council to correct the existing problems, as well as, to reject furloughs in the 2014 budget. Sir/ Ma’am, to those that have taken the time to read, consider, discuss, and respond to this letter I applaud you. This beautiful city has much potential and I am proud to have served her admirably. Our city has much potential – we must embrace “public safety is the cornerstone to the success of any great city”. Cc. Ashanti Hamilton, Nick Kovac, Milele Coggs, Joe Dudzik Ccc. Willie Hines, Jim Bohl, Joe Davis, Jose Perez, Willie Wade, Bob Donovan, Terry Witkowski, Tony Zielinski, Bob Bauman, Bob Puente Sincerely, MILWAUKEE POLICE ASSOCIATION Michael V. Crivello President Local #21, IUPA, AFL-CIO [email protected] Milwaukee Retired Police Association Membership Application Renewable Every January 1st Please check: ____NEW ____RENEWAL DUES $5.00 $____DONATION Make checks payable and mail to: MRPA P.O. Box 340877 Milwaukee, WI 53234-0877 Name:__________________________________________________ Birthdate:______________________ E-mail Address:_________________________________________________________________________ PLEASE PRINT YOUR E-MAIL ADDRESS CLEARLY! If this is a renewal and nothing else has changed since last year, mark this box: Address:_______________________________________________________________________________ City, State, Zip:_________________________________________________________________________ Phone:_________________________________________________________________________________ Spouse’s Name:__________________________ Wedding Anniversary (mo/day/year):______________ I completed 25 years with the MPD in (Year):______ and/or Retired in (Year):______ SNOWBIRDS: List your winter address and the months you will be there and we’ll send the newsletter to you:___________________________________________________________________________________ ______________________________________________________________________________________ November 2013 21 47 floors, 94 flights, 1,034 steps – straight up! ARE YOU READY FOR THE CHALLENGE?! To benefit the Cystic Fibrosis Foundation Thursday, November 14, 2013 US Bank Building 777 E. Wisconsin Avenue Milwaukee, WI 53202 5:30 p.m.-9:00 p.m. The Cystic Fibrosis Foundation is proud to announce its 24th year of “going vertical” to defeat cystic fibrosis (CF), a life-threatening genetic disease that affects approximately 30,000 children and adults in the United States. Climbing for a Cure is a pledge-based stair climb event in which nearly 450 participants will meet at the US Bank Building, the tallest building in Milwaukee, to face the footrace of a lifetime: 47 floors, 94 flights, 1,034 steps – straight up! Participants will have a chance to compete as individuals (racer or walker), relay teams of three or combined-time teams of three. Once participants reach the top, they will have the opportunity to enjoy amazing panoramic views of Downtown Milwaukee before heading down to the post-climb celebration complete with food, drinks, entertainment, and awards! The most anticipated element of this high-energy, fun event is the special competition for police and fire departments. 22 Each team of three competes as a combined-time team, in full gear! Who will be awarded the traveling trophy this year?! The winning team will take home the traveling trophy to display with pride until November 2014, when they have the opportunity to return and defend their title! Winning team members and station name are engraved on the trophy each year. Climbing for a Cure is a pledge-based event with each participant raising a minimum of $75 in pledges to participate. All paid participants will receive a Climbing for a Cure t-shirt and water bottle! Net proceeds from this event will go toward CF research, care and education programs. For more information or to register, please contact Julie at the Cystic Fibrosis Foundation – Wisconsin Chapter at: 800472-7720 or [email protected] or visit our event web page at: http://wisconsin.cff.org/climb November 2013 Residency and Real Estate By P.O. Greg Szablewski (Ret.) The content contained below is intended to provide information that can be used by those wishing to buy a new home outside of Milwaukee and should not be considered advertising for services. In January 2014, I’m confident the courts will rule in your favor regarding the residency you deserve. Suffice it to say that the MPA has fought long and hard for this change in law and despite the Mayor’s continued blatant failure to follow the law, you will persevere in the long run. He will be left, once again, licking his wounds, more worried about razing foreclosed properties and going door to door with a ridiculous co-sleeping campaign, than dealing with the real issues that make Milwaukee a safe place to live. But I digress for a moment… Background and Historical Perspective For many years, while residency rules were in place, I helped employees from many city departments move their families out of Milwaukee while they maintained a legitimate residence within the city limits proper. Throughout the years, I came to understand personally the issues and potential risks associated with city workers doing this because IT WAS NEVER CLEARLY EXPLAINED BY ANYONE WHAT IT MEANT TO ACTUALLY LIVE IN MILWAUKEE! At that time, there were archaic guidelines from the 80s and 90s that were still being used to determine an employee’s primary residence. It was a so-called high stakes “game” that was being played where the rules were set by Internal Affairs and the rules are always changing as they saw fit. It was completely subjective whether or not an employee was living in Milwaukee and THEY DETERMINED if a violation was taking place. At risk was the employees’ pension. It was not a lifestyle that many city employees wanted to participate in, given this risk, even though many had thought about it and wanted to do it. After seeing the success and happiness of the families that actually decided to move out, and in following up with the city employees about any regrets or mistakes with their decision, I became one of those employees as well. After a few years of contemplating doing it myself and having seen the many other families that had already made the move, along with researching the different communities, my family decided it was time for them to move. In July 2002, my family moved out of Milwaukee, while I spent the last six years of my career still living in Milwaukee. They settled in the Town of Waukesha (excellent schools, country living, low taxes and close enough, yet far enough away) and I settled in around the Serb Hall area. Given my background in real estate, having helped these aforementioned families and my desire to give my kids a better education, word must have quietly and quickly spread because I had more city employees contacting me than ever before about this whole “moving out of Milwaukee” issue. After hearing what I had to say about the pros and cons, many city workers moved their families out, some did not. As one city employee put it, I had become the unofficial “underground” move-out-of-Milwaukee expert. Fast forward to Gov. Walker’s passage of the residency law, and none of these issues and concerns apply to anyone today who wants to make a better life for themselves and their families. But there are still some important things that need to be considered if you’re contemplating moving out of Milwaukee. November 2013 Considerations If you’ve been considering or have already decided to move out of Milwaukee, but are waiting until the lawsuit is settled, that’s understandable. But there are things you should consider doing right now that will put you in a position of advantage when it’s time to “make the move”. Before I get into my 3 key points, you must know that outside of Milwaukee proper, real estate didn’t take “as big” a hit in value and currently prices are quickly moving back up and in most areas, it is now a seller’s market. That means that, as a buyer, you will be in somewhat of a disadvantage when it comes to offering a price on a property. Just keep this in mind as you read on! Three Key Points The first and best piece of advice I have for you is to get your financing preapproved. Use a local mortgage company and stay away from the online lenders or those who advertise on TV and who require you to mail away your sensitive documents. Lender preapprovals only last for 90 days, so it may seem a little premature to do so, given the pending lawsuit; however, preapprovals are routinely extended if nothing has changed in your financial life. Not everybody finds a new home in 90 days, so having to extend the preapproval is “usual and customary” stuff. Getting preapproved starts with having your full credit report pulled to make sure nothing appears on it that shouldn’t be and that your scores are where they need to be. The “free” credit reports aren’t going to work in this situation. You should have the credit report pulled from a reputable mortgage company. Believe me when I tell you that these reports are completely different than those “free” ones we all here about. With credit report pulled, the preapproval process begins and usually takes less than 2 days to complete. A full loan application is taken; including income and asset verification and all is submitted to the lender. Once preapproved, the lender commits to borrowing you “X” amount of dollars and sets that money aside for 90 days. If you buy within that time period, the money is available to you. If you don’t, the preapproval expires and can be resubmitted WITHOUT A NEW CREDIT REPORT for a fresh 90 preapproval. The second thing that should be done is determining how much new home you can afford and where you’d like to live. Obviously, Milwaukee isn’t in the equation for you, thanks to Tom Barrett taxes and failed MPS, among other things. This is where another conversation needs to take place. There are many factors that need to be taken into consideration. The discussion will include things like: what’s my timeframe, how much house can I really afford, what’s my current house worth, should I sell first and then buy, am I even able to afford a new house, where are the best schools, etc. Everyone’s situation is personal and these questions and concerns are best addressed during a meeting. During the meeting(s), either in person and on the phone or both, a plan of action can be developed and put into place. Desired communities and neighborhoods will be determined and the likes, needs and desires of the new property should be established. Once complete, any available properties in the MLS (multiple listing service) that meet as many of your requirements as possible will be emailed to you. The MLS system is the system Realtors use to list and find properties. Once you’re entered into it, you will receive live updates about REAL ESTATE, continued on page 24 23 REAL ESTATE, continued from page 23 new properties that come on the market and/or any price changes. The biggest advantage for you during this step is going to be that you can now begin to effectively monitor and visit different properties in desired communities and get to “know” the nuances of each area and property you look at. It doesn’t hurt to get out there and actually start looking at properties so that you are prepared and educated when it’s time to write an offer. The third thing that needs your attention depends on whether it’s determined you must sell your existing house in order to buy a new one outside of Milwaukee. Many times, this is the case because most people, including cops, can’t afford both mortgages and even if they could, they don’t have the down payment money needed to buy the new property. Buying in the surrounding counties is NOT at all like buying a home in Milwaukee. There are separate and distinct considerations that must be addressed such as well/septic, surveys, etc. In cases like these, my recommendation is to hire a full service Realtor at a reduced listing commission. They are hard to find, but do exist. I have several reputable agents that I can recommend to help you sell your Milwaukee property. When it’s time to buy, you should be using the services of an Exclusive Buyer’s Agent. By using two different agents, one to sell your Milwaukee property and one to help you with the new property, you avoid the potential conflicts of interest that abound in the real estate world. This is especially important when you are the buyer, specifically because the market has turned in favor of the sellers, especially 24 outside of the City of Milwaukee. You are going to want to make sure your interests as a buyer are being looked after, especially when the system is designed to protect the seller’s best interests. Conclusion So to offer a quick recap: 1. While waiting for the lawsuit to be settled, your financing will have been preapproved and waiting in the background. 2. You’ll have time to research your interested communities even further and will be receiving MLS listings of properties that you can actually look at. 3. And finally, you’ll have set yourself up with a full service Realtor to list your Milwaukee home when you’re ready to do so and you’ll have a different Realtor, who is an exclusive buyer’s agent, and probably several new properties that you’ll want to look at while the lawsuit is settled. Once you decide the time is right for you to buy outside of Milwaukee, by taking these three easy steps, you will be in a much better position to get the home that you want on terms that are beneficial to you as a buyer. About the Author: P.O. Greg Szablewski (Ret.) is both a licensed Real Estate Broker with Your Home Buying Agency LLC and a loan officer with White Oak Mortgage LLC. I invite you to call me at any time at 414-870-6102 or email me at: greg@whiteoakmortgage. net or [email protected] with any questions or visit www.representingthebuyer.com November 2013 November 2013 25 26 November 2013