Tom Golonka- SliverLake Financial, Gena Boyden, Co-Owner of Cheeks Luxury Skin Clinic
GRAPHIC DESIGNERS
Char Grass
ADVERTISING INQUIRIES
Phone: 802-490-1308, 802-447-7567
Email: Ads@VermontMaturity.com
Website: VermontMaturity.com/Advertise
Vermont Maturity, published six times per year by Vermont News and Media, LLC, reaches readers through mail and newsstand copies. Distribution covers Chittenden County, including Burlington, South Burlington, Essex, Colchester, Shelburne, Winooski, and Williston. Additionally, Vermont Maturity is available in Southern Vermont, specifically in Bennington and Windham Counties. Stay Connected, Stay Informed
The publisher makes no representation concerning any product or service advertised in this publication. Vermont Maturity and VermontMaturity.com serve only as mediums for sellers to reach potential buyers and do not warrant the accuracy of any advertisement. Vermont Maturity makes every effort to eliminate typographical errors but assumes no responsibility for misspelling names from handwritten copy. All editorial items submitted are subject to editing and alteration at the sole discretion of the publisher. The design and format of this magazine are protected by the copyright laws of the United States of America. Reproduction of this publication, in whole or in part, is prohibited without express written consent of the publisher.
POSTMASTER
Please send address changes to Vermont News and Media, 70 Landmark Hill Drive, Brattleboro, VT, 05301
Table of Contents
That’s where hospice comes in
By Danielle M. Crosier, Vermont Maturity magazine
A ARP Vermont Ad vocates to Prote ct Consumers
for Cr yptocurrenc y K iosk Fraud
Machines that exchange cash for cr yptocurrency, known as cr yptocurrency kiosks, are popping up all over the countr y You can find them in supermarkets, convenience stores, gas stations, restaurants, liquor stores, and even laundromats. But these ATM look-alikes are prime vehicles for scams that often target older adults. The Internet Crime Complaint Center reported a 99% increase in cr yptocurrency kiosk complaints in 2024, with a total of 10,956 complaints. Of the roughly $246.7 million losses involved in the complaints, $107 million belonged to those over the age of 60.
In 2024 and 2025, AARP Vermont advocated successfully at the state level to strengthen the regulations and consumer protections on cr yptocurrency kiosks. This includes legislation that places a moratorium on new virtual currency kiosk operators, daily transaction limits, scam warnings, refund options for losses due to fraud, and other regulator y efforts.
Criminal scammers are always looking for the quickest way to get money from their victims. As awareness and protections around other payment methods increase, cr yptocurrency kiosks have become their tool of choice B ecause these kiosks look similar to regular ATMs, they seem more legitimate to victims who are directed to them. If you are asked to make a transaction using a cr yptocurrency kiosk to address an urgent financial matter, it is most likely a scam. For more information, visit states .aarp.org/vermont/cr yptocurrency
That’s where hospice comes in
By Danielle M. Crosier, Vermont Maturity magazine
RUTLAND — For nearly 80 years, the Visiting Nurse Association & Hospice of the Southwest Region (VNAHSR) has been providing a wide range of care options and supports for Vermonters with chronic or terminal illnesses, delivering service “with compassion, dependability, and expertise” to people of all ages.
The non-profit, Medicare-certified, home health and hospice organization was originally founded in Rutland County and has since expanded to include “about 90%” of Bennington County and, more recently, Franklin County.
“We first started in 1946 in Rutland City,” recounted Chief Clinical Operations Officer Nicole Moran, “and then, in the 90s, we acquired hospice in Bennington County. And then, we acquired Dorset Nurses Association. In 2014, we acquired Bennington VNA; in 2017, we acquired Manchester; and then, in 2024, we acquired Franklin County. The mission is the same, and it’s to get the best community service and community healthcare out there – to as many people as we can that need it.”
A service provider with the Visiting Nurse Association & Hospice of the Southwest Region monitors in-home patient care.
Nicole Moran, chief clinical operations officer of the Visiting Nurse Association & Hospice of the Southwest Region (VNAHSR).
VNA & Hospice of the Southwest Region Service Area
Arlington
Bakersfield Belmont
Bennington
Bomoseen
Brandon Castleton
Chittenden
Clarendon
Cuttingsville
Danby
Dorset
Enosburg
Fairfax Fairfield
Glastenbury
Highgate
Hubbardton
Hydeville
Ira
Killington
Manchester
Mendon
Middletown
Springs
Montgomery
Mount Holly
Mount Tabor
Pawlet
Pittsford
Pownal
Poultney
Proctor
Richford
Rupert
Rutland City
Rutland Town
Sandgate
Shaftsbury
Sheldon
Shrewsbury
St. Albans City
St Albans Town
Sudbury
Sunderland
Swanton
Tinmouth
Wallingford
Wells
West Haven
West Rutland
Woodford
Franklin County
Rutland County
Bennington County
Map of current VNAHSR service area.
The acquisition of Franklin County will lead to a name change and rebranding campaign in the future, Moran teased, as the name Visiting Nurse Association & Hospice of the Southwest Region no longer rings true.
“Franklin County is not in Southwest Vermont; the name doesn’t apply anymore,” laughed Moran, but declined to reveal the proposed name change just yet. Whatever the new name will be, and whatever the revised mission statement will read, it will emphasize care.
Employing approximately 75 caregivers dedicated strictly to hospice throughout the state – nurses, physical therapists, occupation therapists, speech language pathologists, social workers, spiritual care workers, aides, nurse practitioners, and medical doctors – VNAHSR is one of the state’s largest non-profit home health and hospice providers.
With four main branches in Rutland, Bennington, Manchester, and now St. Albans, each branch follows the same protocols and procedures, with subtle differences based on the territory served and the varying staffing models that are based on volume.
Moran, who is not simply an administrator but who also has extensive expertise in patient care, worries about whether those in the communities that VNAHSR services fully understand the role that hospice can play in end of life care. And, she worries for good reason.
“Hospice,” said Moran, “it’s so underutilized and, because the length of stay for hospice patients is so low, we would love to see patients referred to hospice earlier, so that they get that full benefit.”
“And, we want to convey to the community the importance of having conversations about end of life, particularly advanced care planning and where hospice can kind of support and allow patients to die with dignity and peace – and in wherever place they call home,” explained Moran.
However, Moran expressed concern that conversations on death and dying are often “like the elephant in the room.” They’re uncomfortable. They’re awkward, and they’re ebay to push aside. There is an
Solo Beauty
avoidance of conversations about end of life wishes, choices, and care plans – and that is troublesome. Moran believes that the avoidance of these conversations is prevalent in our culture – not just the culture of Vermonters, but for us as a nation. For Moran, she believes that it simply represents hope.
“No one wants to talk about death and dying,” said Moran, gazing out the window of her corner office in Rutland. Outside, the warm breeze was wrestling with the bows of the trees, the grasses in the field. “We’re all going to die, you know? We’re all terminal. But, we can’t talk about it as a culture. And, I think there’s a lot of reasons why. Our medical system is so heavily focused on fix, cure, treat. Fix. Cure. Treat. Throw medicine at it. Throw a treatment at it. And, it feels almost never ending. I think people assume that there’s always going to be one more treatment to do. There’s going to be one more medicine to try. And, I think providers in general aren’t good about having those conversations early on in the disease process.”
ABBIATI MONUMENTS
Providing the example of congestive heart failure, Moran noted that the caregivers of VNAHSR bear witness to this “very common diagnosis.”
“We see that a lot,” said Moran. “It’s a terminal illness, but it can last upwards of 10 years.”
What Moran would like to see is for providers to have that initial conversation at diagnosis, and say, “this is a disease that we can treat – but you will eventually succumb to it,” rather than fixating the conversation so heavily on treatment options. That in itself is a difficult conversation to have. Perhaps an even more difficult one to have, though, is with family members and chosen caregivers.
Pulling from her time as a nurse in the intensive care units (ICUs) of Rutland Regional and Dartmouth, Moran knows the story well, “It just feels like there’s always something else to try.”
Now, in her role with VNAHSR, Moran wonders how to make that cultural shift – that shift that says, “It’s okay to plan for letting go, and it’s okay to talk about dying.”
“The statistic is that something like 75% of people want to die in their own home,” explained Moran. “The reality is that very few die in their own home. So – how can we shift that culture, and get people to start having these important conversations.”
What Moran would like to see happen is for the dialogue to open, even if it feels uncomfortable at first. Moran would like to see that dialogue open for everyone, no matter their age or health.
“Getting people to talk about what they want and what they don’t, what they wouldn’t want in different scenarios, is important. Advanced care planning, getting your wishes on paper and also talking about it, is so important,” said Moran, adding that what we want at one stage of life can change as we age. “What I want right now at 44 is probably different than what I’m going to want at 74. So, I think getting people comfortable with the fact that we are all going to die – and that none
of us are immortal – and identifying what’s important.”
“If that’s being at home, dying with dignity and respect and surrounded by the people and the things that they love – then, you know – that’s where hospice comes in.”
According to Moran, hospice is underutilized across the country –specifically in the state of Vermont.
“Our utilization is about 42% of patients that would have been eligible to actually receive the service,” said Moran, shaking her head, and adding that she believes it is because people are largely unaware of what the organization does, are unaware of how to access it, or have not had those initial conversations with family and friends and potential healthcare proxies.
“We often get that referral for hospice at that 11th hour,” pointed out Moran, “and that’s when patients are actually dying – whereas hospice can be for six months, or longer. Being a caregiver is challenging, said
The care and support that is provided by members of the Visiting Nurse Association & Hospice of the Southwest Region is comprehensive and holistic.
Moran, and when that falls solely on the individuals and their families, it places an undue burden upon them.
There are eligibility criteria, Moran said, and anyone can put in a call to hospice for an assessment.
“Ultimately, it should be the providers having that communication,” pointed out Moran. “And, ultimately – in order to admit a patient to hospice – we have to have that provider order. However, families can reach out to us, and ask us to do an evaluation. Sometimes, a provider is not going to see what we see. We see a fair number of people advocating for themselves, or for a family member. They just say, ‘I would like someone to come out and evaluate my mom, or my sister, for hospice care.’ And, we do evaluations visits and assessments free of charge.”
The assessment would entail a nurse visit to the home, and a thorough one-on-one evaluation, “So, the nurse will go out and do that head to toe physical assessment and talk about the goals of care, what’s important to them and then, obviously, compare that with their medical eligibility – based on their diagnosis.”
A service provider with the Visiting Nurse Association & Hospice of the Southwest Region monitors in-home patient care.
If the evaluation shows that the individual is “not quite ready,” Moran said, VNAHSR staff will then continue to check in, keeping that individual and family on their radar, and touching base from time to time to see how things are progressing. But, Moran pointed out, “At least a family member can have a point person.”
Additionally, the organization has been lucky to find partners with another home health and hospice organization in Rutland, where the two companies can provide unbranded and collaborative educational outreach to the community. This outreach helps to inform the population of the work the two companies are doing, the services offered, and how to access them. It also helps open up that conversation about advanced care planning.
There is also a lot of misinformation out there, Moran stated, and she fears that it further complicates the message. Many people believe, she said, that hospice is “a place that people go to die.”
“In the State of Vermont, there is only one hospice facility – and it’s in Colchester, Vermont. But, hospice can be in your own home, or wherever you feel you want to die. Most people want to die in their own homes, but the challenge is making sure that they have the support, the equipment, the medications that they need to be comfortable up until the end – and that’s where hospice comes in. It includes all of those things – medications, hospital bed, oxygen, wheelchair, commode, etc.”
It’s relieving the family caregivers from navigating those challenges that can make all the difference, especially when it comes to providing high quality end of life care. VNAHSR staff are as well versed in navigating the healthcare system as they are in providing compassionate and experienced care.
“Access to the hospice benefit is a right for every patient,” added Moran, “and we encourage people to ask those questions and advocate for themselves.”
Caring for those in hospice care involves many deep conversations, added Moran. It involves a lot of question-asking – especially questions that involve the individual’s readiness to enter that last phase of life. Trained care providers can guide individuals
through the process to ensure that it supports whatever the wishes of the patient are. These conversations involve medical decision-making, end of life supports, counseling for the patient and the family, and more.
According to Moran, many people want to fight that fight right until the very end. Others, fed up with the discomfort of prolonged treatments, simply want peace of mind – to “wave that white flag,” so to speak.
“To wave the white flag is to say that you are ready to accept the fate that has been given to you, and that you want to allow nature to take its course and use the tools that hospice can provide to help guide you through that,” said Moran. Those tools revolve around the expertise of care that hospice specializes in. “Nursing, obviously, is a big part of the hospice benefit, specifically managing symptoms and helping educate family members and the patient on how to effectively manage whatever symptoms they’re having.”
Other tools involve trained social workers, to help with any sort of psychosocial stressors, “You know, family dynamics are always fun, and they get even more fun at
the end of life. I mean, I think when stress is high, people react very differently. So, how can we support that patient in the family from that perspective, helping them gain access to resources if they need it, like long term care benefits through Medicaid, spiritual support, etc.”
Moran noted that spiritual support is different for everyone, “It doesn’t have to be religious. I mean, my spiritual environment is outdoors. That’s where I go. Helping people connect with that, identifying any conflicts and helping guide them through that – that’s what hospice can do.”
In addition, hospice services are supervised by a specialized provider, “We have a medical director that oversees all of our hospice patients, and they help guide and support the treatments that we do for the pain and the symptoms – so guiding us as far as medication dosing, and helping us determine what that patient needs to be comfortable.”
Moran asks people to close their eyes in this moment – and ask themselves what would happen if they suddenly
lost the ability to make health care decisions for themselves. Who would know what they wanted, and who would they want making those decisions? That is the planning that needs to take place now, Moran said, and those are the conversations that need to be had. And, knowing when to make that call to hospice for planning or care is also important.
“[Hospice care] is unique in the fact that it’s probably the only sector of healthcare that is so individualized, and so comprehensive and holistic at the same time,” said Moran. “We have a lot of ability to adjust the plan of care based on what the patient needs. And, that’s one of the great benefits – it’s not cookie cutter, you know? It’s really focused on that patient and the family and helping them identify their goals – and helping them get there. And that flexibility that we have is, I think, probably one of the greatest strengths of the hospice program.” VM
To find out more about the hospice care and planning that VNAHSR offers, visit https://www. vermontvisitingnurses.org/hospice-care/.
We offer:
•Ind iv idua lized pl a n of care to meet your loved one’s specific needs
•2 4-hr specia lized dement ia nursing care
• A Ded icated Geriatric Medic al Director on-site
•Residential care & nursing home l icense so you r loved ones can age in place
•Daily special iz ed activ it ies – 7 day s a week (9 a.m.-7 p.m.)
By Keith Neil-Owner of Champlain Tours, 802-540-0055
Let’s be honest. When most people think of a European river cruise, they imagine a floating hotel filled with 150 strangers, buffet lines longer than the Danube, and a daily sprint to beat Brenda from Boise to the last seat on the tour bus. Non, merci.
ubmitted by Keith Neil-owner of Champlain Tours, 802-540-0055
Enter Champlain Tours and their boutique barge cruises through the sun-drenched valleys of France (2026) and Belgium (2027), where the only crowd you’ll battle is the vineyard staff pouring your third glass of local rosé. These small-ship voyages are privately chartered, fully customized, and limited to just a few dozen guests. That’s right — this is your floating château. And unlike those mega-ships, your barge doesn’t need a zip code or a traffic report to dock.
This isn’t a tour — it’s a lifestyle. Picture yourself drifting down the Saône or the Douro, gliding past ancient castles and sleepy stone villages. You’re nibbling on local cheeses hand-selected by someone who looks like they are cheese. Lunch? A five-course riverside feast prepared by an onboard chef who trained at a place where butter is worshipped. Dinner? A candlelit affair paired with wines from vineyards you just pedaled through on your complimentary e-bike. Exercise and Merlot? It’s practically a wellness retreat.
And who’s making all this magic happen behind the scenes? Only the superhero dream team of travel: Keith, Kim, Jennifer, and Trevor — a.k.a. the Fantastic Four of hassle-free luxury. They don’t wear capes (though Keith has been known to sport a stylish scarf in Burgundy), but they do possess the extraordinary powers of teleporting your luggage, curating off-menu gelato stops, and producing lastminute castle access like it’s just part of their daily baguette run.
They’ve eliminated the typical travel stress — no frantic transfers, no “who’s got the tickets,” and certainly no 5 a.m. wake-up calls. With Champlain Tours, you’re not getting there — you’re already there. Fully present. Fully pampered. Possibly slightly tipsy on port wine.
So if you’re craving Old World charm without Old World logistics, come aboard. This is luxury unplugged, reimagined, and made just for you and your circle. Book now — or risk being stuck behind Brenda on that mega-ship. Again. Check out champlaintours.com for the BURGUNDY À FLEUR D’EAU - A Private French Canal Voyage, July 29 - August 9, 2026. Keep an eye out for Art, Heritage, and Flavors on a Cruise along Belgian Canals, featuring HALLE - STREPY-THIEU - MONS - PÉRONNES-LEZ-ANTOING - OUDENAARDEGHENT in 2027. With only 20 spots, you can afford to wait!
See our ad on page 19!
Retiring in Vermont:
More than just dollars and cents
By Tom Golonka -SilverLake Financial
As a fellow Vermonter, I know how special it is to call this state home. From the quiet strength of the Green Mountains to the close-knit communities in our towns, Vermont offers something unique. But when it comes to retirement, deciding whether to stay or move isn’t just financial—it’s deeply personal.
That said, your financial life still plays a big role. A strong retirement plan isn’t just about savings—it’s about where and how you want to live, and how your resources support that vision.
Here are some key areas to consider as you plan your next chapter.
Vermont Taxes: Think Holistically
Yes, Vermont taxes most retirement income, including Social Security (though lower-income retirees may get partial exemptions). That alone pushes some to consider relocating to states like Florida or New Hampshire, where retirement income isn’t taxed. But don’t look at income tax in isolation. Many low-tax states offset savings with higher sales taxes and auto and home insurance costs. Vermont’s sales tax is moderate, and in many towns, real estate remains more affordable than in popular retirement markets.
Riehle Family picture on Savage Island, Vermont
The goal is to assess your full financial picture. What are your fixed expenses? How will they change in retirement? Taxes matter—but so do healthcare, community, and lifestyle.
Do Your Savings Support Your Lifestyle?
Every retirement looks different. Some dream of travel or wintering in warmer climates. Others are happy staying close to family or enjoying Vermont’s outdoors year-round.
Whatever your goals, your income—Social Security, pensions, retirement accounts—needs to match. Don’t overlook lifestyle costs like home maintenance, heating, or seasonal hobbies. If you’re considering a second home or moving, compare living costs carefully.
Planning for inflation, healthcare, and long-term needs can help avoid surprises later.
Jeff Steele sailing an 18-foot skiff on Mallets Bay
Make Your Home Work for the Years Ahead
Vermont homes are full of charm—but many weren’t built for aging in place. Narrow stairs, small bathrooms, and steep driveways can become problems over time.
Now’s the time to assess: Can your home be adapted? Simple changes like first-floor bedrooms or bathroom upgrades can go a long way. For others, downsizing to a smaller, more accessible home may be smarter and more cost-effective.
Selling a larger home may also free up equity for other priorities in retirement.
Selling Your Home? Know the Tax Angle
If selling is part of your plan, be sure to consider capital gains. The IRS allows most homeowners to
exclude up to $250,000 ($500,000 for married couples) of gain on the sale of a primary home, assuming you meet basic requirements.
Still, some gains may be taxable, depending on your home’s appreciation. A tax advisor can help you understand timing, your cost basis, and any strategies to reduce the impact.
Don’t Overlook Long-Term Care
Long-term care is often underestimated—and expensive. Medicare covers little, and whether it’s inhome care or assisted living, costs can add up fast.
Vermont has strong community resources, but relying on them alone isn’t a full plan. Explore whether long-term care insurance, hybrid life policies, or earmarked savings fit into your broader strategy. And talk with loved ones. Clear preferences reduce stress down the road—for you and them.
At the Core: What Really Matters?
Ultimately, retirement is about more than finances. For some, a lower-tax state and warmer climate is the right move. For others, Vermont’s lifestyle—its trails, values, and sense of place—is worth every extra dollar.
Like many others, I have chosen to live in Vermont. SilverLake Wealth Management has also kept our company roots in Vermont, enabling us to provide jobs and services to others who remain in Catamount country while also serving others in 40 States. Some things are not all about dollars and cents
There’s no right answer—just what’s right for you. VM
Tom Golonka is a CFA charterholder as well as a CERTIFIED FINANCIAL PLANNER practitioner. He currently is the Chair of the Vermont Pension Investment Committee (VPIC) and Trustee of the University of Vermont Health Network Board.
NOR THERN STAGE , BY R AIL OCTOBER 11, 2025
Join us as we travel by Amtrak to White River Junction. Enjoy some time to explore the village of White River Junction before heading over for a theatrical production at the Nor thern Stage. Afterwards, chat with your new friends about the show at a catered dinner at the historic Hotel Coolidge. The show...
Come From Away music, book, and lyrics by IRENE SANKHOFF & DAVID HEIN directed by CAROL DUNNE
What’s included
• Orchestra seats
• Free -time before the show
• Catered Dinner
• Full-time tour manager
• Round-trip Amtrak
DINNER INCLUDES:
Plated Green Salad and Homemade Rolls - ser ved at the table On the Buffet –
Herb Stuffed Chicken Breast medallions of skinless chicken breast with bread herbed stuffing and a light chicken gravy presented with rice pilaf and a hot vegetable Pasta Prima Vera penne pasta tossed with a myriad of vegetables finished with parmesan cheese
Desser t - Coolidge Par fait ser ved at the table ice cream and a special chocolate/toffee cookie Coffee/Tea/Decaf and Punch
What’s not
• Gratuities
• Dinner home
Departure times
*Arrive at least 20 mins early *Photo ID required for Amtrak
9:15 am St. Albans Train Station: 40 Federal St.
9:4 4 am Essex Junction Train Station: 29 Railroad Ave.
10:10 am Waterbur y Station: US Highway 2 & Park Row
10:25 am Montpelier Train Station: Junction Rd & Shor t Rd. 10:59 am Randolph Train Station: Salisbur y St & Depot Sq
PRICE: $199
*Balance due at reser vation
*3% credit card convenience fee
More than a meal: How Bennington County Meals on Wheels builds community
In Bennington County, two simple locations—one in Bennington, the other in Arlington—are quietly doing something powerful every day. They’re not flashy. They don’t make headlines. But they make meals. They serve neighbors. And they hold space for connection. These are the Bennington County Meals on Wheels Community Meal Sites. But food is just the beginning.
A Place to Gather
At a time when more Vermonters are aging into retirement than ever before, these meal sites are meeting a rising need—not just for nutrition, but for human connection.
“The meal is the reason people come,” says Deb, a volunteer, “but the community is the reason they stay.”
It’s a simple idea: gather for lunch, sit together, talk, eat, laugh. For many seniors, this daily ritual is a lifeline. Social isolation is a real and growing threat, especially in rural areas. Without regular interaction, seniors face higher risks of depression, cognitive decline, and poor health outcomes. A warm meal shared with others can do more than nourish—it can heal.
At both the Bennington and Arlington locations, the doors are open to any older Vermonter who wants a place to sit down and enjoy a meal with neighbors. There’s no pressure, no red tape, just an invitation to come as you are.
Made Fresh, Every Day
Unlike some programs that rely on frozen or prepackaged food, Bennington County Meals on Wheels prepares every meal fresh, daily. It’s real food, cooked with care by people who understand the importance of both nutrition and dignity.
The meals are balanced, hearty, and designed to meet the specific dietary needs of older adults. But just as important, they taste good. Fresh ingredients and local sensibilities guide the menu, making each plate a reflection of the community it serves.
The kitchen is a busy place—chopping, simmering, baking, packing—but it hums with purpose. Preparing more than 51,000 meals a year requires dedication and coordination, and the team delivers. Whether the meal is being enjoyed at a community table or delivered to a homebound older Vermonters, it’s made with the same attention to quality and care.
Facing the Future
Vermont’s senior population is growing rapidly. As more residents age into retirement, the demand for services like Meals on Wheels will only increase. Already, many older adults in Bennington County are
facing the dual challenges of food insecurity and social isolation.
The rising cost of living, limited mobility, and shrinking support networks make it harder for older Vermonters to shop, cook, and maintain regular social contact. Meals on Wheels isn’t just filling plates—it’s filling a gap in the fabric of daily life.
The community meal sites in Bennington and Arlington are on the front lines of that effort. They are places of dignity, routine, and belonging—small but essential defenses against the quiet dangers of aging alone.
More Than a Service
It’s easy to think of Meals on Wheels as a delivery program. But in Bennington County, it’s something more. Its lunch shared with friends. It’s a volunteer remembering your birthday. It’s a place where your name is known and your presence matters.
These sites don’t just serve meals—they create community. They remind us that aging isn’t a problem
to fix, but a stage of life that deserves respect, support, and connection.
And as Vermont continues to age, this kind of community support will become even more critical.
How You Can Help
The success of these programs relies on local support. Volunteers, donations, and community awareness all help keep the doors open and the food coming. Whether you have an hour a week or a few dollars to spare, there’s a role for you to play in sustaining this vital service. Because when we invest in our elders, we strengthen our entire community.
If you’d like to get involved you can… call us at 802-442-8012
go online at www.mowbennington.org
visit us at 124 Pleasant Street, Bennington VT
Bennington café hours: Mon – Fri 11am – 1pm
Arlington café hours: Tues & Thursday 12 – 1pm
Age Gracefully, Treat Intentionally
By Gena Boyden, Co-Owner of Cheeks Luxury Skin Clinic
At Cheeks, we believe your skin can look radiant and feel strong at every age—and summer is the perfect time to give it a seasonal boost. For clients over 50, we focus on treatments that are both effective and noninvasive,
helping to stimulate collagen, reduce wrinkles, and support long-term skin health.
Two of our most-requested services this year? Exion RF Microneedling and Emface—advanced technologies that deliver incredible results with minimal to no downtime.
Exion RF Microneedling uses a combination of radiofrequency and artificial intelligence to target deeper layers of the skin without damaging the surface. It’s a powerful option for those concerned with skin laxity, fine lines, and crepey texture—especially around the jawline and neck. What makes it ideal for mature skin is that it stimulates your body’s natural production of collagen and elastin over time,
offering firmer, more hydrated skin with each treatment.
Emface, on the other hand, is like a workout for your facial muscles. Using synchronized RF and HIFES™ technology, it lifts and tones the cheeks, brows, and forehead—no needles, no downtime. Many of our clients love that it improves facial volume and firmness in a natural way, with results that continue to improve over several sessions.
Paired with sun protection and a hydrating homecare routine, these treatments are safe, sciencebacked, and designed to support the skin’s natural function— without looking “overdone.”
This summer, we invite you to experience what modern skin rejuvenation really looks like. Whether it’s a full facial refresh or a subtle lift, your skin deserves to feel strong, supported, and beautiful—at every stage of life. VM
Your Other Trip Companions— Technology & AI
By Carolee Duckworth
Picture this: You’re standing in Florence’s Santa Maria Novella train station, tickets to Rome in hand, when an announcement crackles over the loudspeaker— entirely in rapid Italian. Your heart skips. Is that about your train? A delay? A platform change?
know what questions to ask and what to do with the answers.
Welcome to the AI-powered travel revolution, where technology transforms from a few somewhat useful apps to a full range of AI-enhanced services and intelligent
Twenty years ago, this moment might have triggered panic. Today, with artificial intelligence in your pocket, it becomes merely a minor hiccup. You open Google Translate, tap the microphone icon, and within seconds you understand: “The 14:30 train to Rome will depart from platform 12 instead of platform 8.” Problem solved!
For years, we’ve had helpful travel apps. GPS navigation replaced paper maps. Online booking platforms simplified reservations. Currency converters eliminated mental math. These traditional tools made travel more convenient, but they still required us to
agents that together provide everything you’ll need for an independent and no-worries trip. You’ll be carrying your solutions in your pocket.
Revolutionary AI: Your Intelligent Travel Assistant, Starting with Planning
Claude AI and ChatGPT travel planning revolutionizes trip preparation. Instead of spending hours researching restaurants, opening times, and
transportation connections, describe your preferences and constraints to an AI assistant:
“I’m visiting London for five days, staying on Leicester Square. I have mild mobility issues, love art and theater, prefer lunch over dinner, and want to experience authentic local culture over popular tourist haunts.”
Within moments, you receive a personalized itinerary that considers your specific needs, complete with backup plans for rainy days.
AI & Tech to Conquer 5 Big Fears About Independent Travel in Europe
As we’ve explored in previous articles, gentle travel is about embracing adventure while honoring our needs for comfort and security. Technology and AI bridge that gap beautifully, addressing five major concerns that keep many seniors from pursuing their travel dreams.
1. WILL I FIND THE RIGHT ACCOMMODATIONS?
I need to be perfectly located so I’ll be able to “walk out the door and be there.” And I absolutely must have an elevator to get to my room and AC to be comfortable. Also, a balcony would be nice for relaxing after a full day.
Booking.com. Use Map View to “fly over” your options and find the exact location to serve you best.
Then select the specific room you want. Filter for elevators, AC and bed types.
2. WILL I KNOW HOW BEST TO GET AROUND ONCE I GET TO EUROPE?
I need options that include boats, trains, drivers and flights to ensure I will have an easy time getting between destinations.
Omio (formerly GoEuro) to compare trains, buses, flights and ferryboats.
RometoRio to answers the question “How do I get from here to there?” for any two points on Earth,
comparing all transport options with estimated costs and travel times.
Connecto provides on-demand drivers for longer distances, perfect when you need to get from that missed train connection in Marseille to the small coastal gem of Cassis.
3. WILL I BE ABLE TO TALK WITH PEOPLE AND CONNECT?
I’m not fluent in the language of the country I’m visiting. But I need to be able to order from menus, communicate with drivers and hotel clerks, converse with shopkeepers and connect with locals.
Google Translate remains the gold standard. Point your phone’s camera at a street sign, menu, brochure or train arrival/departure board and voilà—French becomes English before your eyes. Select Conversation for real-time audio translation between you and a local, turning language barriers into bridges.
2. WILL I KNOW HOW TO GET WHERE I’M GOING AND HOW LONG IT WILL TAKE TO GET THERE?
I need to be able to get places, know how long it will take to get there and if I should walk or ride. I well remember the angst of feeling lost. I need confidence that I can find my way without stress.
Google Maps is essential, but download offline maps for each destination before your departure. The app’s public transit integration shows you exactly which bus, train, or tram to take, including walking directions to stops and real-time arrival information.
5. WHAT IF I HAVE A HEALTH ISSUE WHILE I’M AWAY AND NEED A DOCTOR’S ADVICE?
I worry that health concerns while traveling would be overwhelming. What if I need reassurance and practical solutions while I’m abroad?
JustAnswer.com provides round-the-clock access to 12,000+ verified experts, including doctors. When you reach out and explain your problem, you will be matched with an expert who specializes in your situation. Talk, text, chat, whichever you prefer, and even send photos of the problem area for their review. You’ll get a fast response in minutes, and follow-up.
Getting Started: Embrace the Revolution Gradually
Begin with one AI-powered app before your next trip. Practice using Google Translate’s Photo feature with the menu at the Italian restaurant down the street. Experiment with Claude AI for basic trip planning. Ask AI to explain local customs or suggest activities that match your interests and stamina.
Looking Ahead
AI technology empowers us to travel more confidently and independently than ever before. The world becomes more accessible when language barriers dissolve, navigation becomes intuitive, and problems get solved before they escalate.
Use AI to handle logistics, language challenges, and routine decisions, freeing your mental energy for appreciating art, engaging with locals, and savoring experiences. With these digital tools as your travel companions, you’re equipped to embrace gentle travel with confidence. The world awaits, and technology ensures you’ll navigate it with grace, security, and joy.
Coming Next
Technology empowers us to travel more confidently, but the heart of gentle travel remains human connection and cultural immersion. In our next article, we’ll explore how to make the most of your European adventure by adjusting how you think about packing and creating lasting memories that extend far beyond the journey itself. VM
RESOURCE BOX
Carolee Duckworth is an avid traveler who has designed and written about dozens of “great trips.” Among her many books, available on Amazon, are: Your Great Trip to France, Your Great 5-Day Trip to Paris and Your Great 5-Day Trip to Loire Chateaux. Her website (GreatTripGuide.com) offers a growing selection of day-by-day trip plans, with links for all bookings to be made in advance.
Struggling to find the right solution to apply lotion and wash your back? can help you!!
By Kathe D’Alfonso
Finally, a USA-made product made with an ergonomic design that was patented by from Rochester, New York. She has a designed an applicator for washing your back and applying lotion. Her applicator helps many people who are suffering with arthritis, MS, who are living alone, and have shoulder issues, enabling them to reach right over your shoulders, mid back, lower back, and their feet in seconds. It comes with a mitt or mitts, depending on what you purchase, that can be washed and dried numerous times, and they are available in so many colors! If you have searched long enough and tried other products on the market, it is time to try Solo Beauty and experience what everyone is saying about this great product.
Since you can wash, dry, and reuse the mitts, they are perfect and they last super long! It has become a very popular product in upstate New York, and now Kathe wants everyone to see her applicator that can solve the problem of reaching those difficult areas. You will no longer depend on someone else to help you in the shower or applying lotion. This product works! The applicator is very lightweight and has a distinct angle which is perfect for all individuals. If you are struggling and want to know more, Kathe is always there to help and explain her product and can ship right to your door. See Solo Beauties’ ad on page 9 VM
Visit www.solobeautyroc.com for more information and how you can purchase this great product!
The emotional side of downsizing: How seniors can cope with the challenges of letting go
By Ben Durant, SRES Real Estate Broker
Downsizing is a significant life transition, often accompanied by a mix of emotions. For many seniors, the process isn’t just about moving to a smaller space—it’s about saying goodbye to a lifetime of memories, treasured possessions, and the familiarity of home. The emotional weight of downsizing can be overwhelming, but with thoughtful preparation, a supportive mindset, and the right strategies, the journey can be less daunting and more empowering.
Understanding the Emotional Attachment
It’s natural for seniors to feel emotionally attached to their homes and belongings. Every piece of furniture, every book on the shelf, and every trinket in the cabinet may represent a special memory or milestone. Letting go of these items can feel like losing a part of oneself, making the process deeply personal and sometimes difficult. This emotional connection is particularly strong for those who have lived in the same home for decades, raised families, hosted celebrations, and weathered life’s ups and downs within its walls. The key to navigating this transition is recognizing that the memories live within the person, not the possessions.
Strategies for Coping with the Emotional Challenges
1. SHIFT THE PERSPECTIVE FROM LOSS TO GAIN
more stress-free way of living, opening the door to new experiences, travel, or more time with loved ones.
2. START SMALL AND TAKE YOUR TIME
The downsizing process doesn’t have to happen overnight. Tackling one room at a time, or setting aside a few hours each week for sorting, can make the process more manageable. Beginning with items that hold less sentimental value—like duplicates or rarely used household goods—can help ease into the transition.
3. PRESERVE MEMORIES IN MEANINGFUL WAYS
For many seniors, it’s difficult to part with items that hold sentimental value. One helpful approach is to create
COMMUNIT
Y& CONNECTIONS FOR A CAUSE
Paradise Inn Courts (BEHIND THE INN) 141 Main Street, Bennington, VT 05201
• Entry Fee* $40 per person
• Start Time 9 am (3.0 - 3.25)
• Start Time 1 pm (3.5 - 4.0)
SATURDAY, SEPTEMBER 20 TH RAIN DATE—SUNDAY, SEPTEMBER 21ST
Free lunch will be served for all players from 11:30 am — 12:30 pm
THE HOTEL VERVANA COURTS (BEHIND THE HOTEL) 141 Main Street, Bennington, VT 05201
PRIZES WILL BE AWARDED *All proceeds benefit Meals on Wheels of Bennington County. Our mission helps older Vermonters lead happy, healthy lives by providing nutritious meals at home and at our 2 congregate meal sites in Bennington and Arlington. MEALS ON WHEELS SERVICES ALL TOWNS IN BENNINGTON COUNTY Address
Instead of focusing on what’s being given up, seniors can think about what they’re gaining: less maintenance, lower expenses, and a space that better suits their current lifestyle. Downsizing can lead to a simpler,
• Entry Fee* $40 per person
• Start Time 9 am (3.0 - 3.25)
• Start Time 1 pm (3.5 - 4.0)
FREE LUNCH WILL BE SERVED FOR ALL PLAYERS FROM 11:30 AM — 12:30 PM
PRIZES WILL BE AWARDED
*All proceeds benefit Meals on Wheels of Bennington County. Our mission helps older Vermonters lead happy, healthy lives by providing nutritious meals at home and at our 2 congregate meal sites in Bennington and Arlington.
email of participants
ENTRY FORMS can be picked up at Meals on Wheels — 124 Pleasant St., Bennington, VT 05201 — 802-442-8012.
Info for who to reach out to INCLUDING phone numbers and or email
a memory book or digital archive. Photos, notes, and stories can capture the essence of cherished possessions without having to physically hold onto them. Passing down heirlooms to family members or donating special items to meaningful causes can also bring a sense of fulfillment.
4. LEAN ON FAMILY AND SUPPORT NETWORKS
Downsizing can feel isolating, but it doesn’t have to be. Involving family members or close friends in the process can provide both emotional support and practical help. Additionally, working with professionals such as Senior Move Managers, Estate Planners, or an SRES Real Estate Broker can make the process smoother and more structured.
5. EMBRACE THE NEXT CHAPTER WITH OPTIMISM
Seniors should remind themselves that downsizing isn’t just about letting go—it’s about making space for new possibilities. Whether it’s moving to a community with more social opportunities, freeing up resources for travel, or simply living with less clutter, the process can be viewed as an exciting fresh start.
Downsizing in Vermont: Finding the Right Fit
For seniors in Vermont, the housing landscape offers a variety of options tailored to different needs. From cozy cottages in picturesque towns to active senior living communities with social amenities, Vermont provides welcoming spaces for those looking to simplify their lives without sacrificing comfort.
An SRES Real Estate Broker can help navigate the transition, ensuring seniors find homes that align with their priorities—whether it’s accessibility, location, or financial feasibility. Understanding the local market and resources can make downsizing less stressful and more strategic.
Conclusion
Downsizing is a deeply personal journey, and it’s okay for seniors to feel a mix of emotions throughout the process. The key is to approach it with patience, a support system, and a mindset that embraces new beginnings. By reframing the experience as an opportunity rather than a loss, seniors can find empowerment in simplifying their surroundings and embracing the next chapter with confidence. VM
BIO
Ben Durant is a Senior Real Estate Specialist and the proud owner of the Durant Agency. With a passion for helping Vermont’s seniors and Boomers, Ben is dedicated to guiding clients toward housing solutions that fit their lifestyles, needs, and future goals. His expertise ensures a smooth transition, whether downsizing, relocating, or finding the perfect retirement retreat.
Ben lives in Williston with his wife and three children, enjoying the charm and community of Vermont. Connect with him at Durantagencyvt.com or give him a call at 802-355-6688 to explore your best real estate options.
