Vermont Maturity December 2019 Issue

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Champlain Tours Offers Guided Tours in Vermont and Around the World VERMONT MATURITY December 2019 Issue


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Table of Contents

Vermont Maturity

For Vermonters Age 50 and Older

RTN PUBLISHING, INC. Phone – 802.332.3254 Robin@VermontMaturity.com www.VermontMaturity.com

PUBLISHER & PRESIDENT Robin Nichols

VICE PRESIDENT & OFFICE MANAGER Terri Nichols

CONTRIBUTING EDITORS Ben Durant Aaron Glosser Eric Hopper Clover Whitham Joshua Nichols

Champlain Tours Offers Guided Tours in Vermont and Around the World by Eric Hopper

4

GRAPHIC DESIGNERS Char Grass

IT & WEB DESIGN Mark Chaney

Skiing in Vermont: Big Ideas and Quirky Characters by Clover Whitham

Do You Need to Take a Dietary Supplement?

10

Aging in Place Through Universal Design by Ben Durant

22

Holiday Gifts for Gardeners by Melinda Myers

14

The Vermont Republic by Joshua Nichols

by Brigitte Harton, RD, CD, NBC-HWC

16

10 Benefits of Weightlifting for Age-Related Muscle Loss for Seniors

Invest in Your Family and Community by Aaron Glosser

18

Holiday Scams Abound. Be Prepared! by Elliott Greenblott

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by Nick Rizzo

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ADVERTISING & EDITORIAL INQUIRIES Phone – 563.557.7571 Fax – 563.557.7641 Robin@VermontMaturity.com Vermont Maturity is published times per year by RTN Publishing, Inc. and is distributed without charge to qualified subscribers in Vermont. Nonqualified reader subscription costs are $39 per year for United States residents. No international subscriptions are available. Subscription requests must include name, address, phone number and email address. The publisher makes no representation concerning any product or service advertised in this publication. Vermont Maturity and VermontMaturity. com serve only as a medium for sellers to reach potential buyers and does not warrant the accuracy of any advertisement. Vermont Maturity makes every effort to eliminate typographical errors and assumes no responsibility for misspelling names of people from handwritten copy. All editorial items submitted are subject to editing and alteration at the sole discretion of publisher. Design and format of this magazine is 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 Maturity, 6170 Forest Hills Drive, Asbury, IA 52002-9349.


Vermont Maturity Cover Story

Champlain Tours Offers Guided Tours in Vermont and Around the World by Eric Hopper

Champlain Tours, based in Burlington, Vermont, offers all-encompassing tours that range from day trips to multi-day trips. Their mission is to provide planned, escorted tours inclusive of flights, hotel, meals, and admissions. Champlain Tours also offers custom tours, giving more control to the traveler. From guided tours in Vermont to tours all around the world, Champlain Tours

his vast knowledge of international travel and

is there to make your travel experience enjoyable and

founded Champlain Tours. Keith still escorts many

simple. This is a company that takes the headache out

of their trips. In his words, “I love my clients, I love

of organizing and planning a trip, allowing the traveler

to travel, and I love my job!”. After traveling with

to fully enjoy his or her traveling experience. Each tour

Champlain Tours, you might agree.

offers the flexibility of traveling as a group, with options

What sets Champlain Tours apart from other

for individuals to explore on their own. Regardless of

tour companies is the individual attention given to

your travel goals, your Champlain Tour Escort will be

each client, on each tour. They customize most of

with you every step of the way providing security, ease,

the itineraries and are accessible during the entire

and overall peace of mind.

booking process, “We joined Champlain Tours on one

The owner of Champlain Tours, Keith, was born

of their tours, but flew from San Francisco...all prepared

and raised in Vermont. For ten years, he worked for

by Keith”, says Jim H. “What impressed us the most was

the State Department leading delegations all over

getting a call from Keith the morning of our flight to

the world, with focuses on Germany, Ireland, and

tell us that our flight had been canceled, and to provide

China. After returning to Vermont, Keith embraced

us with our new flights that he had rebooked.” “A crisis

4 | December 2019 | VermontMaturity.com


occurred and was resolved before we were ever aware!”

Tours reputation for quality, all-inclusive tours that

“Keith is definitely our go to when it comes to travel now!” intrigued Beverly, but, rather, the mission of this special

Service Project Tours Just about everyone in Northern Vermont seems to know Beverly Robtoy. She is an octogenarian and longtime resident of Enosburg, Vermont. She often leaves people wondering what the town puts in the water to create a person with such a youthful exuberance and zest for life. Robtoy is truly a treasure to the community and exemplifies the character of a Vermont native who cares about others through kindness, civil duty, and just a touch of tenacity. Last year, she contacted Champlain Tours to inquire about the tour to Mozambique. It wasn’t necessarily the grand adventure promised or Champlain

tour. Champlain Tours partners with the Wassmuth’s Center for Human Rights to offer various service project tours around the world. What caught Beverly Robtoy’s interest was the “Each One, Teach One” Wassmuth Center donor-supported program that provides the yearly fees to fund a team of village girls living in the Gorongosa National Park bordering villages through their five years of secondary school.

Wassmuth Center for Human Rights The mission of the Wassmuth Center for Human Rights is to “promote respect for human dignity and Vermont Maturity | December 2019 | 5


diversity through education and to foster individual responsibility to work for justice and peace”. The center achieves this mission by providing educational programs for teachers and students, engaging in community leadership, partnering with business and industry, and advocating for human rights.

Each One, Teach One Each One, Teach One is Wassmuth Center’s donorsupported program that pairs a village girl with a sponsor who commits to paying the annual secondary school fees through high school graduation, typically five years. The annual fee is $480 per student. Beverly Robtoy’s trip included sponsoring one of these girls. Other local supporters, like Joan Andrews of Waterbury, who was unable to travel to Africa, also made donations to the Each One, Teach One program. For the young ladies living in the border villages surrounding the Gorongosa National Park in Mozambique, the Each One, Teach One program enables dreams to come true.

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Donor supported programs like Each One, Teach One provide the empowerment of education. Empowerment through education changes attitudes and practices. A girl who completes 10 years of education is six times less likely to be pushed into an early marriage before she turns 18. Education as a vessel for change can improve social standing, transform individual lives, empower girls to understand and claim their rights, and equip girls to choose and create their own futures rather than those imposed on them. Educating girls has a positive impact on communities, as evidenced with lower maternal mortality, improved child health, lower birth rates, job opportunities for women, and an overall economic boost in the village. Champlain Tours has also partnered with the Wassmuth Center to offer service tours to Cambodia, Vietnam, Morocco, and Israel.

Upcoming Trips from Champlain Tours 422 Blair Park Road, Williston, VT 05495 WillistonPlace.com

6 | December 2019 | VermontMaturity.com

With its unmatched service and experience, Champlain Tours offers the most straightforward,


stress-free travel options. The following are just brief descriptions of some of the upcoming trips offered by Champlain Tours.

Champlain Tours specialize in providing stress-free, escorted tours so travelers can immerse fully in the trip’s experiences.

Scotland (April 29 – May 6, 2020) Stunning scenery awaits you on this tour. You’ll cruise along pretty islands on picturesque Loch Lomond, and follow the “Road to the Isles,” with its breathtaking hills, green woodlands, and spectacular beaches. You’ll visit the Isle of Skye, with some of Scotland’s most

Hawaiian Island Cruise (February 13-23, 2020)

spectacular scenery, be on the lookout for the mysterious Loch Ness monster in the Highlands, and drive through Cairngorms National Park, with its sub-arctic

This unique 7-day cruise will give you overnights in both Maui and Kauai, as well as visits to Oahu and the Big Island of Hawaii. Extra excursions include trips to Pearl Harbor, Haleakala Crater at Sunset, secret waterfalls of Kohala, and more.

mountains and varied wildlife.

Philadelphia, PA (April 12-15, 2020) A fully escorted tour to historic Philadelphia (one of the United States’s most visited cities). Highlights of Vermont Maturity | December 2019 | 7


this trip include visits to the Liberty Bell, local museums, Independence Hall, Longwood Gardens, and more.

Branson Music Tour (May 14-19, 2020) This amazing trip to Branson, Missouri has a packed itinerary, including 2-3 shows per day. Enjoy a blend of country, bluegrass, gospel, and rock’n roll music.

Paris and the Beaches of Normandy Seine Riverboat Cruise (May 24-June 2, 2020)

Calling all lighthouse enthusiast! Come with Champlain Tours to visit majestic beacons and hear the salty tales of Maine’s maritime history. Ride on a Maine lobster boat and see the Maine coast from atop Cadillac Mountain in Acadia National Park. Explore Kennebunkport and Bar Harbor, and enjoy a private lighthouse tour near Portland. When it comes to finding an all-inclusive travel package, it’s hard to compete with Champlain Tours. They specialize in providing stress-free, escorted tours so travelers can immerse fully in the trip’s experiences. Unlike many other tour/travel companies, Champlain Tours publishes its prices inclusive of transportation,

This fabulous river cruise combines time in France’s

hotel, meals, and admissions. Tours offer the flexibility

unparalleled capital with beautiful scenery along the

of traveling as a group, with options for individuals to

Seine River and the picturesque and historic region of

explore a bit alone.

Normandy.

Escorted group tours have many advantages,

Lighthouse & Lobster (September 14-18, 2020) 8 | December 2019 | VermontMaturity.com

including seeing attractions you might miss on your own, getting VIP access to events with no lines, and,


in many cases, a less expensive price because of group rates for hotels and other venues. The ultimate goal for Champlain Tours is to make your travel experience

Winters can be long and a bit lonely.

stress-free and unforgettable. Their customizable tours and service project tours are just examples of how Champlain Tours not only makes traveling the world better, but also makes the world a better place VM . For more information, call 802.540.0055, Email champlaintours@outlook.com or visit Champlaintours.com.

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Skiing in Vermont: Big Ideas and Quirky Characters by Clover Whitham

Skiing is an integral part of Vermont’s identity, and rich history and eccentric characters are as much a part of the sport as the mountains and snow. Sixty years ago, some form of a ski tow could be found in about two out of every three towns. A skier’s experience ranged from a rugged yank up a private hill to a ride in a futuristic gondola.

Al fresco picnics were part of the fashionable ski scene at Sugarbush Resort, Courtesy Sugarbush Resort

The history of skiing and snowboarding in Vermont fills many books, websites and hobbyist historians’ time.

or perhaps most beautiful - ways to traverse down. Was

The New England Lost Ski Areas Project, a massive

it the stem-Christie? Reverse-shoulder Austrian style?

undertaking by Jeremy Davis with the help of many who

The major resorts all had ski schools, courting clientele

shared their memories and memorabilia, documents

with promises of the best learning experience.

roughly 100 ski hills that have since closed in Vermont alone. Eight of Vermont’s 20 or so currently operating alpine ski resorts opened in the 1950s. The next decade could be called the peak of Vermont skiing. In 1966, there were 81 ski areas in operation, the highest number at any one time, according to Davis’s analysis of old Vermont Tramway Inspection reports. So what was it like to ski in Vermont in those days? One might think sliding down snow on slopes formed 350 million years ago would be basically the same today. Yet even the mechanics of skiing were rapidly changing. There were competing methods on the best 10 | December 2019 | VermontMaturity.com

Every Vermont ski area, currently open or now closed, has a fascinating and often quirky story to tell. Here are just a few.

Small Starts, Big Ideas Quirkiness fills Mount Snow’s early history, starting with its very name. Most visitors will assume the moniker was chosen as a sort of advertisement for what it offers. In fact, the resort is named for the farmer, Reuben Snow, who once owned the land on which the resort was built.


in the know could take a private bus from midtown Manhattan each Friday evening up to Vermont. The bus was piloted by a “very attractive white haired man, named Johnny McBride, who does TV and fashion modeling when he’s not driving the bus,” according to a 1963 article in Sports Illustrated. Sandwiches and white wine were served for dinner. Sugarbush was clearly the place for the good-looking crowd. A note in the Winter 1964 issue of Vermont Life Magazine says: “High fashion hairdresser Robert Verdi of New York is expected back at Sugarbush ski area this winter in his paisley decorated jeep. … Weekends during the ski season he sets up shop at a local lodge, and practically provides trailside coiffeur service for wellgroomed lady skiers.”

A Piece of the Alps Magic Mountain in Londonderry bills itself as a retro mountain, evoking the “soul of skiing” from those

Mount Snow’s founder, Walt Schoenknecht, was full of drive and big, unconventional ideas. Mount Snow opened in 1954. Six years later, the Boston Globe called it “the World’s Largest Ski Area.” Ten years after its founding, Mount Snow boasted a colorful and first-of-

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its-kind skis-on gondola.

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The next year, Schoenknecht installed a 350-foot fountain in Snow Lake, which created a giant statue of ice in the winter. The ice grew large enough to ski on.

Ben is dedicated to problem solving the unique issues facing Vermont's greatest generations.

One outlandish idea thankfully never came to pass: Schoenknecht wanted to enlist the Atomic Energy Commission in a plan to explode an underground

Call Ben today for a free consultation.

nuclear bomb to improve terrain.

Mascara Mountain Sugarbush Resort, which also opened in ‘58, was dubbed “Mascara Mountain” for the elite and fashionable clientele it intentionally attracted. Those

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Vermont Maturity | December 2019 | 11


according to the resort’s own history, “In the early days Magic was equally famous for its nightlife, whether it be the Abracadabra Lounge, on-mountain Swiss feasts or Dostal’s bar.” Many of the state’s larger resorts emulated European resorts in their architecture, entertainment and even staff. It was common for these fledgling ski resorts to build their credibility and reputation with the help of skiers and instructors from the venerable Alpine countries. Before it was even built, Jay Peak enlisted Walter Foeger, an Austrian ski racer who coached Spain’s national team. Jay Peak’s early success is in part credited to Foeger’s “phenomenally successful Natur Teknik, a A woman skis during the 1970’s, Courtesy of Vermont Ski Association

early days. It was founded in 1960 by Hans Thorner, a

method of teaching modern skiing to beginners, fast,” according to a 1964 Vermont Life article about the resort. Skiing Heritage Journal credits Foeger with no

Swiss-born ski instructor, and two years later the public

less than a revolution in snowy far northern Vermont.

was swishing down the steep slopes. Hotels imitating

Foeger “orchestrated a dramatic plot worthy of a

those found in the Alps were built at the base, and,

Wagnerian opera in which the bold hero propels Jay to

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But you can’t get much more retro than Northeast Slopes in East Corinth, a ski hill that lays claim to the oldest continually operating rope tow in North America. It still operates today on the power of volunteers who run the area as a nonprofit.

More great ski history can be found at these resources: `` “A mountain love affair -- the Mad River Glen story,” by Mary Kerr

`` “Killington: A story of mountains and men,” by Karen D. Lorentz

`` New England Lost Ski Areas Project: www.nelsap.org `` Vermont Ski and Snowboard Museum, https://www. vtssm.org

`` The New England Ski Museum, Gondola at Sugarbush Resort in the 1970s, Courtesy Sugarbush Resort

http://newenglandskimuseum.org VM

the level of top eastern ski resorts and triggers a solid rural renaissance to boot.” Jay Peak grew from isolated mountain wilderness into a thriving resort with 40 trails under Foeger’s management. “The technique proved so effective that by 1960, droves of people were driving up to Jay Peak from as far away as Philadelphia, and the mountain’s ski pro found himself teaching classes of more than 50 soon-to-be skiers,” according to a history written by JJ Toland, Jay Peak’s current director of public relations.

Retro is Still In Skiers can still get a feel for those early days of the skiing boom at a few resorts in Vermont. Like Magic Mountain, Mad River Glen prides itself on being a throwback ski area where the terrain and its iconic single chair - one of only two still operating in North America - are the main attractions.

Vermont Maturity | December 2019 | 13


Aging in Place Through Universal Design by Ben Durant

Vermonters tend to be fiercely independent, and dedicated to community and tradition. These ideals define us as a population and seem to grow stronger

Understanding Universal Design Universal Design has become the standard best

as we age. It is these values that tend to make us want

practices for building homes that are well suited for

to age-in-place; staying in our current homes through

aging-in-place. It is by definition is the design of

dedication, and love for the homes that have given us

buildings, products or environments to make them

years of shelter and have been a part of the family.

accessible to all people, regardless of age, disability

As a Senior Real Estate Specialist dedicated to

or other factors. Architect, Ron Mace coined the

working with Vermonters, I have the unique vantage

phrase Universal Design back in ‘85. Ron was stricken

from hearing from people that are ready to break free

by polio in his youth and spent most of his life in a

from the bonds with their current home, and find a

wheelchair. Out of this grew his desire to make the

better abode. The common phrase that I hear that

built environment accessible to all. These concepts go

tries to describe this is “down-sizing.” But down-sizing

well beyond wheelchair accessibility however and cover

doesn’t adequately describe what these folks are after;

the broad spectrum of qualities of home building that

it’s not a change in size, it’s a change in design - a design

make aging-in-place more successful. The stated core

that incorporates Universal Design.

principles of Universal Design are: ◆ Equitable use ◆ Flexibility in use ◆ Simple and intuitive ◆ Perceptible information ◆ Tolerance for error ◆ Low physical effort ◆ Size and space for approach

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and use Practically speaking, these seven principles boil down simply to easy and safe to use for everyone; exactly what we all need as we age. The list of design ideals is quite long but some of the ways higher profile ways that these design practices show up in real estate


that feature Universal Design include: single-level living

website at NAHB.com and search for their Aging-In-

where all major home functions exist on a single floor,

Place Remodeling Checklist. VM

entrances without stairs as barriers, smooth floors with easy rolling surfaces and reduced tripping hazards, lever handles for easier opening doors rather than twisting knobs, and finally, high quality lighting, to name a few. When Universal Design is executed well, the design elements blend in seamlessly while making it possible to age-in-place easily, safely, and gracefully. One option many consider is to adapt an existing home to incorporate some of the Universal Design

Ben Durant is a Senior Real Estate Specialist® and Owner of Transitions Real Estate. He is dedicated to helping Vermont Seniors and Boomers find their best housing solutions. Ben lives with his wife and three children in Williston. He can

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elements. This may be very possible in some homes,

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but many times, it may make more sense to start fresh. Vermont’s current housing stock is some of the oldest in the country and it’s simply not possible or cost effective to incorporate 21st Century ideal building standards into the classic 19th century classic architecture that Vermont is known for. The reality of it is that the homes we’ve loved for years, and perhaps raised our families in, may or may not be the best homes for us to spend our twilight years in. Perhaps your best home option is one that is loaded with options that will allow you to age-in-place well. For more information on Universal Design, check out the Universal Design Living Laboratory at UDLL. com or the National Association of Home Builders

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The Vermont Republic by Joshua Nichols

The Story of When Vermont was an Independent Country Today, the United States of America stands fifty strong. The creation of this union was no simple matter— not every colony embraced the opportunity to join the United States. Texas is a famous example, having existed as the Republic of Texas between 1836 and 1846 before joining the Union. Lesser known is the Hawaiian Kingdom, which existed for over 100 years before being annexed by the United States in 1898. However, the honor of being the first secessionist state in North America goes not to Hawaii or Texas, but Vermont. The Vermont Republic arose from confused beginnings. King George III, the current monarch of

the Kingdom of Great Britain, had issued land grants to nobles residing in the American colonies after defeating France in the Seven Years’ War (which actually lasted 9 years!) New Hampshire and New York had received such grants, and the local governments quickly dispatched families to settle the land. It soon came to light that both New Hampshire and New York had claims to the same land. Settling families were forced into confrontation, and minor turmoil gripped the Green Mountains until January 15, 1777. At that time, Ethan Allen, leader of the Green Mountain Boys Militia and recipient of a New Hampshire land grant, founded the Vermont Republic in defiance of New York land claims. Allen’s brothers, Ira and Levi, were also heavily involved in the Green Mountain Boys and the founding of Vermont. Initially called the Republic of New Connecticut and commonly known as the Republic of the Green Mountains, the Vermont Republic was founded with the

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intent to rejoin the Union after the matter of land rights had been settled. In the interim, the Constitution of Vermont was drafted with the help of Dr. Thomas Young, a member of the Sons of Liberty and involved organizer of the Boston Tea Party. It was markedly progressive for the time, taking inspiration from the Pennsylvania Constitution and allowing all men to vote regardless of property status. Additionally, the Vermont Constitution outlawed adult slavery, setting male slaves free at 21 and releasing female slaves at 18. Vermont’s progressive history can be seen today in Bernie Sanders, one of Vermont’s senators and an outspoken champion of progressive causes. The Vermont Republic’s declaration of independence was largely ignored by the fledgling colonies. They had much more pressing issues at hand—the Revolutionary


War was in full swing. The Green Mountain Boys had previously assisted colonial troops in the war effort, famously taking Fort Ticonderoga on May 10, 1775 with soon-to-be turncoat Benedict Arnold. As land conflicts with New York continued despite the war, the Vermont Republic’s opinion of the Union shifted from support to neutrality. Royalists and other supporters of the crown fled to Vermont for safe haven during the war, and even after the war’s conclusion in 1783, the Allen brothers continued to foster trade relationships with British Canada. In 1787, Ethan Allen, the once-hero of Fort Ticonderoga, presented a memorial to British subjects detailing Vermont’s willingness

was reached. Any claim to the present state of Vermont

to become a subject of the British crown once more,

was ceded by New York in return for $30,000, which

asserting that Vermont had 15,000 armed men ready to

translates into slightly over $837,000 in today’s money. In

resist any attempt made by the newly founded United

present dollars, Vermont paid New York $87 per square

States to subjugate Vermont.

mile. On March 4, 1791, Vermont was officially admitted

In the end, British negotiations fell through and

to the Union as a free state opposing the slave state

parley with New York began in its place. The negotiations

of Kentucky, officially ending the sovereign Vermont

between the Vermont Republic and New York were much

Republic. VM

more successful, and on October 7, 1790, an agreement

Joshua Nichols is a Vermont Maturity contributing editor.

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Invest in Your Family and Community by Aaron Glosser

Why do you invest? For many people, here’s the answer: “I invest because I want to enjoy a comfortable retirement.” And that’s certainly a great reason, because all of us should regularly put money away for when we’re retired. But you can also benefit by investing in your family and your community. Let’s start with your family members, particularly the younger ones. How can you invest in their future? One of the best ways is to help send them to college. A college degree is still a pretty good investment: The average

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lifetime earnings of a college graduate are nearly $1 million higher than those of someone with a high school degree, according to a study by the U.S. Census Bureau. To help your children or grandchildren pay for

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any college, university, vocational school or other postsecondary education, you may want to open a 529 savings plan. With this account, withdrawals are federally tax free, as long as the money is used for qualified higher education expenses, including those from trade and vocational schools. (However, if you withdraw some of the earnings on your account, and you don’t use the money

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for qualified expenses, it will be taxable and can also incur a 10% federal tax penalty.) Plus, you retain control of the funds until it’s time for them to be used for school, so if

18 | December 2019 | VermontMaturity.com


your original beneficiary chooses not to pursue some type of higher education, you can name a different eligible beneficiary. Another way to invest in your family is to help your adult children avoid feeling obligated to provide financial assistance to you. For example, if you ever required some type of long-term care, such as an extended stay in a nursing home, could you afford it? The average cost for a private room in a nursing home is more than $100,000 per year, according to a study by Genworth, an insurance company. And Medicare typically pays very few of these expenses. So, to avoid burdening your adult children – while also preserving your own financial independence – you may want to consider some type of long-term care insurance. A financial advisor can help you determine what coverage may be appropriate. Moving beyond your family, you may want to invest in the social fabric of your community by contributing to local charitable, civic, educational or cultural groups. Of course, now that we’re in the holiday season, it’s the perfect time for such gifts. Furthermore, your gift will be more appreciated than in years past because one of the chief incentives for charitable giving – a tax deduction – was lost for many people due to tax law changes, which raised the standard deduction so significantly that far fewer people chose to itemize deductions. However, you might still be able to gain some tax benefits from your

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charitable gifts. To name one possibility, you could donate financial assets, such as stocks that have risen in value, freeing you of potential capital gains taxes. In any case, contact your tax advisor if you’re considering sizable charitable gifts. Saving for your retirement will always be important. But don’t forget about investing in your family and your community – because these investments can provide satisfying returns. VM Aaron Glosser is a certified financial planner for Edward Jones. He can be contacted at 802.655.5512 or Aaron.Glosser@edwardjones.com. His office is on Water Circle in Colchester.

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Vermont Maturity | December 2019 | 19


Holiday Scams Abound. Be Prepared! by Elliott Greenblott

Is it a scam or a legitimate fund raiser? As the holidays are here, so too are the unending emails, letters, and telephone calls soliciting donations. While most of

physical address? Can you verify the information with a call-back to a verified phone number? While many large charities use employees or

these are legitimate, it is necessary to apply common

volunteers to raise funds, a growing trend is the use

sense and reason to your responses and willingness to

of professional fund-raisers to contact the public for donations. This approach is used by small non-profits that do not have adequate staff or volunteers to conduct fundraising on their own. You may have been contacted by one of these fund-raising groups by phone – a professional police or firefighter’s association. In studying the topic, I reached out to Christopher Curtis, Chief of the Public Protection Division of the Vermont Attorney General’s office. Chris noted that there are no prohibitions on association or non-profit fundraising. These activities can include “boot” coin drops by volunteer firefighters or sophisticated letter, email or telephone campaigns. But Chris also notes that non-profits must be registered as such with the office of the Secretary of State. In addition, professional fundraisers must register their campaigns and pay a fee to the office of the Attorney General.

donate. Fundraising and charity appeals are usually

As a potential donor, you may also want to know

designed to evoke an empathetic or sympathetic

if your donation is tax-deductible as an IRS 501(c)

response by triggering emotions can be powerful.

(3) organization. Two additional conditions apply to

Unsure about this; consider the relatively recent increase

professional fundraising. The solicitor must disclose

in the number of television fund raising advertisements

in a “clear and conspicuous manner” that he or she

for hospitals or animal rescue programs. In deciding

is a professional fundraiser and what percentage of

whether or not the appeal is a scam, do a little

the donation actually ends up with the charity. The

research. Where is the charity located? Do they have a

caller often does not immediately volunteer this information and it may be necessary to ask him or her

20 | December 2019 | VermontMaturity.com


directly. I was recently solicited for a donation to a

where the entire donation can be applied to the needs

regional law enforcement non-profit. I asked the two

of the group or community. Also, to see if a charity is

questions – are you a professional fundraiser and how

legit, go to Charitywatch.org to look them up or contact

much of my donation goes to the organization? The

the AARP Fraud Watch Network Help Line at 877-

answers – yes, I am a professional; the group receives

908-3360 for advice, resources and tips. Questions,

14% of the donations collected. I contacted two groups

comments, concern? Contact me at egreenblott@aarp.

using professional fundraisers for their feedback. Both

org. VM

were aware of the limited amount of money that would be received, but also felt that without the use

Elliott Greenblott is a retired educator and the Vermont coordinator of the AARP Fraud Watch Network.

of professionals they would face financial difficulties. This leads to the question – are these fundraisers committing a scam? Whether or not you agree, these are not scams as long as they meet the State requirements for fundraising. Your decision to respond to the solicitation is yours to make but if you decide to contribute, apply the following considerations. The safest form of payment is credit card;

Aaron Glosser, CFP®

never pay with gift cards. Payment

fundraiser will not ask you to make

IRT-1848E-A

by check is less safe, but still offers some protection. (A legitimate

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your donation with a gift card or a wire transfer). Request that you be sent a donation form or flyer. Above all, don’t be afraid to tell the caller –

Holly Lemieux Attorney at Law

NO! If all of this seems a bit too complicated and too much of a roadblock to making contributions there is another approach to take. Disregard the solicitations and check out the groups that operate in your community. A direct donation to the local volunteer firefighters, library, or senior center can provide much needed support

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Vermont Maturity | December 2019 | 21


Do You Need to Take a Dietary Supplement? by Brigitte Harton, RD, CD, NBC-HWC

Everyday it seems like a new product pops up on store shelves that promises to give you more energy, less pain, or even guarantee a longer life. You may have seen these products or heard from family members about how well they work and wondered if you should take them. But are they worth the money, safe or even needed?

Understanding Dietary Supplements Dietary supplements are substances that might contain vitamins, minerals, herbs, amino acids, fiber or other plant chemicals. People take dietary supplements to add nutrients to their diet or to lower the risk of health problems like osteoporosis. In order to understand the role (if any), of dietary supplements, it’s important to understand what vitamins and minerals are and why you need them to stay healthy. Vitamins and minerals are essential nutrients, which means your body cannot manufacture them but needs them to survive and thrive. They have different functions in the body such as boosting immunity to fight infections, keeping your nerves, bones and cells healthy; and helping your body get energy from food. The Best Way to Ensure You Get Essential Nutrients Reading the word “essential” may have you worried about the potential of not getting enough. Rest assured that if you follow the Dietary Guidelines for Americans you are likely getting all the nutrients your body needs. 22 | December 2019 | VermontMaturity.com


However there are certain circumstances in which taking additional vitamins and minerals may be needed- more on that coming up. Eating a variety of foods such as fruits, vegetables, whole grains, legumes, lean protein sources including fish and seafood, as well as low-fat dairy foods is the best way to ensure you are getting all the nutrients you need. Moreover, eating real food has other advantages over pills such as: Providing a mix of nutrients that help each other get absorbed more easily. For

get enough. Other sources include some

Magnesium plays a part in many body processes like glucose and blood pressure regulation.

example, fats help you absorb certain vitamins better such as eating a green salad with some olive oil-based dressing. Nutrient-dense foods contain other important

forms of tofu, dark-green leafy vegetables, soybeans, canned sardines and salmon with bones, and calcium-fortified foods. Vitamin D is the “sunshine vitamin” because the body makes it from sun exposure. In Vermont, it can be difficult to get enough sunshine to meet your needs. Vitamin D works in conjunction with calcium to promote bone health and strength. Good sources include fatty fish, fish liver oils, fortified milk and milk products, and fortified cereals. Vitamin B12 absorption can decrease as you get older. A deficiency may occur even

if you consume enough through food. Vitamin B12 helps keep blood cells and nerves in tip top shape. Good

substances such as phytochemical, antioxidants, and

sources include meat, fish, poultry, milk, and fortified

fiber that cannot possibly be included in one pill (or

breakfast cereal.

several pills for that matter). The scientific evidence is not conclusive in regards to

leading to cell and tissue damage) is not replicated by

Something To Think About

supplements. Additionally, some high-dose antioxidant

James A Meunier, director

the effectiveness of antioxidant supplements. It seems that the benefits associated with antioxidants found in food (protective substances that slow down a natural process

supplements have been linked to health risks.

Vitamins and Minerals for People Over 50 People aged 50 and over do need more of certain vitamins and minerals than younger adults. Your doctor or a dietitian can help you figure out if you need to change your diet to ensure adequate amount or if you need to use a supplement, especially for the following nutrients: Calcium is a mineral that is necessary for strong bones and teeth, so there are special recommendations for older adults who are at risk for bone loss. People who consume at least 3 portions of dairy foods daily should

CHANGING OR REVOKING A WILL Having written a will, there will probably be occasion to change or add to it as your life circumstances change. A will may be changed by adding a page or two, called a codicil, which must be prepared with the same formality, including witnesses, as the will itself, and should be attached to it. If the changes are important or extensive however, it is probably best to simply rewrite the will. Codicils have a way of getting misplaced, particularly when their

content is not to the liking of the person finding the will. A will may be revoked in several ways. Writing a new will revokes an old will, if it says it does. A later will, without a declaration of revocation of an earlier will, revokes the earlier will to the extent it is inconsistent. In certain states, certain situations (marriage, divorce, birth) automatically alter or revoke a will. The best thing is to check with your attorney as your situation in life changes.

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Magnesium plays a part in many body processes

the safety of a dietary supplement with the FDA before

like glucose and blood pressure regulation. It is found in

they sell it. The manufacturers are responsible for the

dark leafy greens, nuts, seeds, legumes, whole grains and

safety of their products, and the FDA does not evaluate

fortified breakfast cereals.

it before the product is sold. Further, the FDA does not

The Bottom Line If you’re considering taking a dietary supplement, consult with your doctor first. Some supplements may affect the way your medications work. They can make them more or less potent. Your doctor may advise you to take a supplement if you suffer from a certain medical condition or follow a restricted diet because of allergies for instance. It’s important to realize that unlike prescription and over-the-counter medications that are closely monitored for safety and effectiveness by the Food and Drug Administration (FDA), dietary supplements do not have that level of scrutiny. On the contrary, the FDA does not regularly test what is in dietary supplements, and companies do not have to share information on

Seniors Living Well A locally owned nonprofit. Providing Residential Care, Rehabilitation and Continuing Care, and Memory Care Northfield, VT • (802) 485-3161 • Mayohc.org 24 | December 2019 | VermontMaturity.com

check whether claims made on supplement packages are accurate. Which means when you buy a dietary supplement that promises to give you more energy, you are taking the manufacturer’s word for it. Put differently, the supplements on store shelves are not necessarily safe, may not do what the package says they do, and may not contain what the label says they contain. Remember food first! Getting a variety of nutrientdense foods such as fruits, vegetables, beans and legumes; low-fat milk and dairy foods; whole grains, lean meat, poultry, fish and seafood is your best bet for getting the nutrients you need. VM Brigitte Harton is a consultant registered dietitian at Age Well and a Board Certified Wellness Coach. You can reach her at bharton@agewellvt.org . For more information about the services Age Well provides call 800.642.5119 or visit AgeWellVT.org.


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10 Benefits of Weightlifting for Age-Related Muscle Loss for Seniors by Nick Rizzo

As age increases, muscle mass and strength decreases. From age 50 muscle mass begins to decrease by 1-2% annually. In your 50s, muscle strength starts to fall by 1.5% and from age 60 and older it begins to decrease by 3% annually. 26 | December 2019 | VermontMaturity.com


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Resistance Training Benefits For Endurance & Efficiency

Weight Training Benefits on The Cellular Level

Not only will you be building muscle, your overall

These endurance and efficiency improvements had

endurance will have a boost as well. Weightlifting improves the endurance of the muscles themselves, aerobic conditioning, and walking speed. Participants also demonstrated an increase in VO2 max. The max amount of oxygen you can use during exercise. These improvements in endurance were also seen by increasing cycling economy and the overall gross efficiency, the amount of energy produced in relation to the total energy used. Think about gross efficiency as trying to start a fire. If you did it by rubbing sticks together it will take a great deal of energy to produce the fire. In comparison, just flicking a lighter and holding it on for a little requires less energy. The greater the gross efficiency the more energy produced in comparison to the energy used.

some support on the molecular level. Support came from higher levels of blood lactate concentrations, hemoglobin, and capillary-to-fibre ratios. The increases in blood lactate and hemoglobin both play roles in increasing performance capacity. While the increased capillary-to-fibre ratios allow for greater delivery of nutrients and oxygen to the muscles. All together empowering muscles to perform optimally.

How Strength Training Improves Lifting & Life Long-term lifting is the best way to prevent agerelated muscle loss from ever becoming an issue. One study found that strength-trained masters athletes (older adults with long-term strength training) have an overall higher muscle force-generating capacity

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and level of overall functional performance. Physically active adults with a consistent level of recreational activity were significantly outperformed by “The Masters”. So what if you weren’t ahead of the curve and have limited to no experience in weightlifting? Don’t stress, you don’t need to hit the gym five times a week for hours at a time. In fact, one study took the guesswork out for you. They even took it a step up by studying this in osteosarcopenia obesity. This is a new geriatric syndrome that is a combination of osteoporosis, sarcopenia, and increased fat mass. What they found was that by doing 1 set of exercises three times a week were enough to provide increases in strength, skeletal muscle mass, and decreased body fat over 12 weeks. Increasing that to 3 sets of exercises three times a week resulted in a dramatic boost in results. This all makes weightlifting a valuable way to improve the overall quality of life and functional independence of those who are suffering from severe age-related muscle loss or sarcopenia.

The Verdict Weightlifting is an effective treatment to prevent, slow down, or partially reverse age-related muscle loss/sarcopenia. Don’t forget about fending off the detrimental health issues that come with it as well. VM Nick Rizzo is the Director of Training & Fitness at RunRepeat.com Vermont Maturity | December 2019 | 29


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The Arbors at Shelburne teams up with Vermont Department of Health

Staff members at The Department of health participated in Dementia Live™, a simulated experience of what it must be like to live with dementia. The goal is to bring a greater understanding of how someone living with dementia feels. The training was provided by Cathy Michaels, Director of Community Relations at The Arbors in coordination with Rhonda Williams, Chronic Disease Prevention Chief at VDH. Several sessions were attended by staff from multiple departments including surveillance, communications, and home visiting just to name a few. Rhonda stated after the training, “What an educational and moving experience. Cathy created a safe and professional space for people to share their insights on multiple levels, applicable to use as a workforce and as caregivers.” Michaels stated, “We look forward to our continued relationship with DOH. There is so much more to be done around awareness and support of families caring for a loved one with dementia.” For more information on the Arbors at Shelburne call 802.985.8600 or visit ArborsAtShelburne.com.

Better Living Audiology Offers South Burlington and Middlebury Locations

Better Living Audiology is now serving patients in both South Burlington and Middlebury, Vermont. Services are provided by Dr. Julie Bier and Dr. Corey Gibeault , Doctors of Audiology. Dr. Bier opened Better 30 | December 2019 | VermontMaturity.com

Dr. Corey Gibeault

Dr. Julie Bier

Living Audiology in March 2014 in South Burlington and opened the Middlebury office in the fall of 2017. Dr. Bier was previously an audiologist at the University of Pittsburgh, University of California at San Francisco, and UVM Medical Center. She grew up on a small farm and apple orchard outside of Pittsburgh, PA. and enjoys biking, running, gardening, and anything involving animals. Dr. Gibeault was previously employed at the UVM Luse Center. She is a native Vermonter, growing up in Mendon and enjoys spending time at the lake, at her pool, shopping on Church St, and hanging out with her dog Holmes and new puppy Tobi. Better Living Audiology is the only clinic in Vermont offering the Lyric, a 100% invisible hearing aid worn 24 hours per day for months at a time. Their focus is on a patientcentered approach to hearing healthcare. They sponsor many community organization and events including: Vermont Public Radio, Vermont Public Television, The Flynn Theater, and the Burlington Discover Jazz festival among others. Dr Bier says that “Every patient is an individual, and treatment is tailored to each person’s needs and lifestyle.” Better Living Audiology is open in South Burlington Monday through Friday 8:00 to 4:00 and in Middlebury Monday through Thursday 8:00 to 4:00. Appointments can be scheduled by calling 802.651.9374 for the South Burlington office and 802.989.7210 for the Middlebury office. For more information, visit BetterLivingAudiology.com. VM


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