Vermont Maturity September-October 2020 Issue

Page 1

September/October 2020 Issue

VERMONT MATURITY

Ryan D. Goslin, DDS, PC

Vermont Fall Foliage Tours When Facing Illness, Take Control of Finances Reducing Food Waste 101 VermontMaturity.com

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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

Ryan D. Goslin, DDS, PC by Eric Hopper

6

GRAPHIC DESIGNERS Char Grass

IT & WEB DESIGN Mark Chaney

ADVERTISING & EDITORIAL INQUIRIES Phone – 802.332.3254 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 Fall Foliage Tours by Clover Whitham

14

When Facing Illness, Take Control of Finances by Aaron Glosser

17

A Positive Mindset is Key to a Successful Move by Ben Durant

23

The SECURE Act: Glass Half Full or Empty

by Jennifer R. Luitjens, Esq.

26

Reducing Food Waste 101

by Brigitte Harton, RD, CD, NBC-HWC

19 TM VERMON

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Vermont Maturity Cover Story

Ryan D. Goslin, DDS, PC

I don’t do anything on any patient that I wouldn’t feel right about doing on my own family

by Eric Hopper

P

roper oral health and hygiene go a long way toward good quality of life. Perhaps the best way to ensure healthy teeth and gums is to visit a dentist who not only understands the importance of preventative dentistry, but also understands a patient’s personal

goals and desired results. Ryan D. Goslin Dentistry and Implantology, located in Williston, VT, has a straightforward mission: to make sure its

patients have a fun and enjoyable dental experience. This is accomplished by providing excellent clinical care, while taking the time to get to know the patients on a personal level. According to registered dental hygienist (RDH) Meghan Obuchowski, “We take the time to get to know our patients and to understand their concerns and what their desired outcomes are. We provide individualized treatment for each patient.”

6 | September/October 2020 | VermontMaturity.com


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This “personal touch”, combined with the latest in technology, innovative treatments, and time-tested therapies, allow Dr. Goslin and his expert team to provide the ultimate in dental care. Dr. Goslin and his team are always humbled by the positive feedback they receive from patients. Here are what a couple of patients had to say about their experiences with Dr. Goslin: “My experience with Dr. Goslin and his staff was wonderful! I came in as a new patient and it was obvious that Dr. Goslin actually reviewed my records BEFORE he saw me - my experience with past doctors is that they come in and quickly scan my records in front of

felt no pain throughout the procedure! This team of

me, asking questions as they go along. I also appreciated

professionals also created a culture of calm, efficient,

the fact that he wasn’t trying to “up-sell” services (teeth

friendly interactions. We even managed some laughs

whitening, braces, etc.) as that was a common theme

and interesting conversations! Thank you!”

at my old dentist and one of the reasons why I left that

Dr. Goslin and his staff strive to go above and

practice. My first appointment was excellent and I am so

beyond their patient’s expectations, creating another

glad I made the switch!”

reason to smile. It is not uncommon for a new patient to

“It is hard to imagine that a day at the dentist could be a delightful day. I felt cared for and relaxed that I was receiving state-of-art dental care. Amazingly, I

leave the office thinking or saying, “I can’t believe going to the dentist can be this much fun”.

About Dr. Goslin Dr. Goslin improves his skills and knowledge-base through continued education. He earned his Fellowship with the Academy of General Dentistry (AGD) in 2006. A Fellowship in the Academy of General Dentistry (FAGD) is one of the highest awards a dentist can receive. In fact, only about 6% of general dentists are awarded the distinction of Fellows. In the years since, he has more than 1,000 hours of continued his education, which puts him within reach of a Mastership with the AGD. In 2014, Dr. Goslin was inducted as a Fellow of the International Congress of Oral Implantologists. Dr. Goslin has also given lectures on implants, nutrition, and oral health at the Yankee Dental Congress in Boston, MA, the largest dental conference in New England. Attending courses that focus on techniques and procedures, investigating new materials and technologies, and employing new insights into patient relations help Dr. Goslin and his team stay up to date

8 | September/October 2020 | VermontMaturity.com


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Preventative Dentistry

and relevant. They believe this is the key to delivering the best and most reliable care to their patients. Every step of each procedure has been researched and

As the old saying goes, “an ounce of prevention

evaluated. As Dr. Goslin often says, “I don’t do anything

is worth a pound of cure”. This saying couldn’t be

on any patient that I wouldn’t feel right about doing on

truer when discussing oral health. Virtually all dental

my own family”. Every concern and question raised by

problems can be successfully prevented in their early

patients is treated with respect and answered as fully

stages with the help of diligent oral hygiene, regular

and as often as needed. His experience, combined with

checkups and cleanings, and other important preventive

his education in multiple facets of dentistry, allow Dr.

care.

Goslin and his team to offer a wide range of treatments. From fillings to tooth whitening, crowns to dentures, tooth removal to implant placement, cleanings, gum procedures, Invisalign orthodontics, and smile makeovers, Dr. Goslin and his qualified team provide all this under one roof. The following are just some of the treatments and/or procedures a patient can receive at Ryan D. Goslin Dentistry and Implantology:

Periodontal Care Services Periodontal care helps stop disease progressions and maintains the health of your mouth. Dr. Goslin offers a few different periodontal care services, including:

LASER PERIODONTAL THERAPY The laser energy is focused in the periodontal pocket and kills the destructive bacteria that causes gum disease.‍

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PERIO PROTECT TRAYS

SMART TECHNIQUE FOR KIDS AND THE ELDERLY

Perio Protect Trays are a non-surgical treatment

A technique that halts decay and seals teeth using

for periodontal disease. These trays are custom made

two products: silver diamond fluoride (SDF) and glass

for each patient and are designed to deliver medication

ionomer cement (GIC) sealant/restoration in a single

under the gum-line in the area that brushing and

appointment, without numbness or drilling.

flossing cannot reach.‍

ARESTIN THERAPY Arestin is a tetracycline-based antibiotic that is placed below the gum-line into a periodontal pocket. The reduction of the bacteria enables your body to start to heal itself.

Fluoride Treatment and Remineralization Techniques Years of dedicated research have demonstrated a clear link between safe exposure to fluoride (a naturally occurring mineral) and healthier, stronger teeth that are less prone to decay.

Restorative Services “Restorative dentistry” is a term dental professionals use to explain how they replace missing or damaged teeth. Fillings, crowns (aka caps), bridges, and implants are common restorative options. Restorative services help bring back a natural smile and prevent future oral health issues.

INDIRECT GOLD FILLINGS There is a reason it is called the gold standard. Nothing lasts longer or is more biocompatible in the mouth than gold. Many dental professionals turn to Dr. Goslin to perform their gold restorations as they

Vermont Maturity | September/October 2020 | 11


know of his proficiency in this area and appreciate the

are typically used to replace missing teeth. They work

longevity of gold.

by placing a socket in the jawbone where a rod can

Prosthetic Dentistry Prosthetic dentistry provides a variety of lifelike replacement teeth so you can once again enjoy a beautiful, youthful smile after suffering from tooth loss.

Technological Advances Dr. Ryan Goslin applies the latest dental technology to improve every aspect of a patient’s dental experience. Some of the most recent advancements in dental technologies used by Dr. Goslin include: digital x-rays, Intra-Oral Cameras, 3D Cone Beam Imaging, and powerful laser treatments.

be attached to support a fabricated tooth or bridge. Implants can restore your oral function and fill in missing gaps where teeth were lost.

Cosmetic Dentistry Cosmetic dentistry can range from whitening, realigning teeth, or gum tissue re-contouring to bondings and veneers. The mode of treatment depends on the patient’s needs and expectations, as well as the dentist’s expertise and recommendations.

Financial Options As a courtesy to his patients with dental insurance, Dr. Goslin and his team process all necessary paperwork

Dental Implants

to file claims on the patient’s behalf to maximize his

In addition to his other services, Dr. Goslin performs dental implants in-house. Dental implants

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or her benefits. For all patients, regardless of insurance status, Dr. Goslin and his team will do everything they can to help a patient afford the treatment he or she needs and/or wants. Many of us put off dental work because of our busy schedules or we feel like our teeth are too far gone to save. Some of us are just too embarrassed to have someone look at our teeth, but Dr. Goslin and his team can help achieve a healthier and more confident smile. A healthier mouth and a confident smile equate to a better quality of life. For patients who are tired of feeling like a number, or who like being able to stay at one office for most of their treatments, or who want personalized treatment options, a completely different dental experience awaits at Ryan D. Goslin Dentistry and Implantology. VM

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Vermont Fall Foliage Tours

Y

by Clover Whitham

ou’d be hard pressed to find an unworthy

This three-hour tour (without stops) is about as

foliage drive in Vermont given that even

Vermonty as you can get. It starts in the state capital

the interstates cut through rolling hills and

and takes you to postcard-perfect Woodstock, through

overlook idyllic valley villages. But there are

mountain towns and back up the iconic Vermont Route

several famed routes that will squeeze the best of what

Vermont has to offer into one calendar-worthy drive.

100. And of course, it has covered bridges. In Montpelier you can start by admiring the

Make time to take in the views at scenic lookouts, gather

recently redone Ceres statue atop the golden dome of

a picnic at a village store or even stretch your legs on a

the statehouse, and visit the shops and restaurants of the

hike. Foliage season varies year to year, but the state’s

country’s smallest state capital. Hit the road by heading

Foliage Forecaster tool can help you determine when

south on Vermont 12 toward Northfield. In Northfield

each region should experience peak color,

you’ll find five public covered bridges, three in close

Covered Bridge Tour MONTPELIER TO WOODSTOCK AND KILLINGTON, 140 MILES

proximity on Cox Brook Road. The other two are the Slaughter House Bridge (Slaughter House Road) and the Stony Brook Covered Bridge, also known as Moseley Covered Bridge, on Stoney Brook Road.

Vermont Maturity | September/October 2020 | 13


Continue on Route 12 south to Woodstock, which

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also boasts some more lovely covered bridges: the Lincoln Covered Bridge on U.S. Route 4 near the Lincoln Inn and Restaurant in West Woodstock; Middle Bridge on Mountain Avenue near the intersection with North Park Street in Woodstock; and the Taftsville bridge near the intersection of Vermont 12 south and U.S. 4. To loop back to Montpelier, from Woodstock, take U.S. 4 west to Killington, where you can pick up Vermont 100 north. This official scenic byway runs along the eastern edge of the Green Mountain Forest through picturesque and historic towns. Attractions to consider on this loop are the Capitol District in Montpelier and Roxbury Gap, a mountainous, partially dirt road will take you to an elevation where you can look down on the foliage unfolding below. In Northfield, take 12A to Roxbury where you’ll find Warren Mountain Road, which turns into Roxbury Mountain Road. Additional attractions include Marsh-Billings

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Rockefeller National Historic Park at 54 Elm St., in Woodstock, Billings Farm and Museum at 69 Old River Road in Woodstock and Moss Glen Falls, a waterfall along Vermont 100 in Granville.

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ideal vantage points from which to take in the foliage

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and the town. When you’re ready, head for the hills by

Middlebury to Appalachian Gap tour, 70 miles This loop takes you from the pictorial college town

taking U.S. 7 south to Vermont 125 east toward East Middlebury, also known as the Robert Frost Memorial Drive. Just past the village of Ripton you’ll find the Robert Frost Interpretive Trail, an easy hike dotted with

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Frost’s poems on trailside plaques. Further east along Vermont 125 is the Texas Falls Recreation Area, another opportunity to immerse yourself in the foliage and stop for a picnic. The Texas


Falls Nature Trail loop is about 1.2 miles long and takes about 1 hour to complete. A hike isn’t necessary to find great photo opportunities, though. Parking is at the Falls Observation Site. Continue the drive east on Vermont 125 to Hancock, where you take a left on Vermont 100 north, another scenic highway through the valley towns of Granville and Warren. After about 20 miles on Vermont 100 you’ll find Vermont 17, also known as the Appalachian Gap Road. At the peak of the gap road you’ll find stunning vistas of the valley and mountains, as well as access to the Long Trail. You may even catch a glimpse of Lake Champlain and the Adirondack Mountains to the west on a clear day. To head back, wind your way west down the Appalachian Gap Road to Bristol. You can stay on Vermont 17 back to U.S. 7 or take Vermont 116 as an alternate route to U.S. 7. Take U.S. 7 south to Middlebury. Attractions to consider include the Robert Frost Interpretive Trail, the Texas Falls Recreation Area and Bristol Falls, also known as Bartlett Falls.

Islands to Mountains BURLINGTON TO THE CHAMPLAIN ISLANDS TO MT. MANSFIELD, 110 MILES The Champlain Islands offer a foliage backdrop unlike any other in Vermont and are an easy drive from Burlington. From the city, travel north on U.S. 7 to the junction with U.S. 2 at Chimney Corner in Colchester, then take U.S. 2 east to South Hero, the first of the island towns. Before crossing the water you’ll drive through the Sand Bar National Waterfowl Management Area and pass Sand Bar State Park. You can follow U.S. 2 to the northernmost island town of Alburgh, where you’ll find Alburgh Dunes State Park with one of the longest natural sand beaches on Lake Champlain. Head back to mainland Vermont via Vermont 78 east. On the eastern shore of the lake you’ll find Missisquoi National Wildlife Refuge, a preserved wetland habitat for migratory birds. Head back south either on Interstate 89 or the more rural route, U.S. 7, to St. Albans City. Visit the shops, restaurants and a history

Something To Think About

Albans you can head south to Burlington or head east for

James A Meunier, director

From St. Albans take Vermont 104 south to Fairfax

LENGTH OF CONDOLENCE CALL There is no strictly prescribed ritual for making a condolence call. It seems sensible, however, to plan on no longer a call than one plans on for a hospital visit — that is, not more than fifteen minutes. That should be enough time to express condolences, to speak a few words of comfort and commendation of the decedent, to offer help, and to say good-bye. At the same time, you should try and be flexible. One can often tell from the mourner’s behavior whether

or not there is a wish for a longer visit. Though it is sometimes hard to gauge the true feelings of the bereaved, the sensitive individual can usually do this. If the mourner appears to wish a longer visit, and if it is possible for the caller to remain longer, that may be the kind thing to do. If the caller cannot remain longer, but a longer visit seems desired, it would be appropriate to give an assurance of a return call, and that call should be made.

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museum in this small downtown for a pit stop. From St. more mountainous foliage backdrops in contrast with the lakeside vistas of the Champlain Islands. then on to the village of Cambridge. In Cambridge take Vermont 15 west to Underhill. These foothills towns hold views of Mt. Mansfield, or stop for a hike at the Underhill State Park which sits at the base of the mountain. Take Vermont 15 west to U.S. 2/U.S.7 to return to Burlington. Attractions in this loop are Battery Park Overlook at Park and Battery streets and Burlington Waterfront Park at 10 College St.in Burlington: enjoyburlington.com, St. Albans Museum at 9 Church St. in St. Albans City, Sand Bar State Park, Dunes State Park, Missisquoi Wildlife Refuge and Underhill State Park. VM Clover Whitham has been a journalist at Vermont newspapers for more than a dozen years and is now a freelance writer and editor near Burlington.

Service to Five Generations Vermont Maturity | September/October 2020 | 15


When Facing Illness, Take Control of Finances

I

by Aaron Glosser

n light of the coronavirus pandemic, virtually all of us have considered health-related issues. But for people facing a serious, chronic illness, such as Parkinson’s disease, multiple sclerosis, diabetes or

cancer, health concerns are an everyday matter. If you’re

fortunate, you may never be afflicted with such maladies, but the future is unpredictable. Of course, going through

these health challenges brings physical and emotional concerns – but also financial ones. How can you prepare for them? Essentially, you’ll need to consider four key areas: investments, insurance, legal arrangements and taxes. Let’s take a quick look at each of them:

Investments You’ll likely need to draw on your investments for at least some of the expenses associated with your illness. So, within your portfolio, you may want to establish a special fund devoted entirely to these costs, whether they be health care, modifications to your home, transportation and so on. A financial professional can help you choose investments for this fund, as well as make recommendations for your overall investment strategy, including techniques for boosting your income, such as adding investments that can provide an income stream that kicks in when you think your costs will rise.

Insurance Depending on your health status, you may be able to collect Medicare earlier than the traditional starting point at age 65. Even so, you’ll likely need to supplement 16 | September/October 2020 | VermontMaturity.com


it with additional coverage. But you may also want to look beyond health insurance. For example, you might be able to purchase a “chronic illness rider” that allows you to tap into life insurance benefits while you’re still alive. Or you might consider adding a “long-term care rider” to a life insurance policy; this rider offers financial benefits if you ever require daily care that you can’t provide for yourself. And some foundations, states and drug companies offer programs that can help pay for some costs that your insurance won’t cover.

Legal Arrangements

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If you haven’t already done so, you may want to establish the legal documents most appropriate for your situation, such as a durable power of

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attorney for finances, which gives someone the authority to manage your financial affairs if you become temporarily incapacitated, possibly due to flare-ups of your chronic disease. Once you’ve recovered, you regain control of your financial decisions. You might also want to consider a health care proxy, which appoints an individual to make medical decisions for you if you can’t. In creating or revising these documents, you’ll need to consult with your legal professional.

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Taxes

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You might qualify for Social Security disability payments, which, like other Social Security benefits, are taxable, so you’ll need to be aware of what you might owe. But you might also be eligible for some tax breaks related to your condition. If you still itemize tax deductions, you may be able to deduct some medical expenses, as well as certain home improvements, such as wheelchair ramps, bathtub grab bars, motorized stairlifts and so on. Your tax advisor may have suggestions appropriate for your situation. Dealing with a chronic illness is never easy. But by considering how your illness will affect all aspects of your life, getting the help you need, and taking the right steps, you may be able to reduce the financial stress on you and your loved ones. 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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Reducing Food Waste 101

Y

by Brigitte Harton, RD, CD, NBC-HWC

ou’ve probably seen the statistics: food scraps and yard debris make up nearly 1/4 of a typical Vermont family’s waste; at restaurants and cafeterias, food scraps can be over half

the waste, according to the Vermont Department of Environmental Conservation. By enacting a state

law that bans food scraps from the trash, Vermont is on track to make a significant positive impact on our environment. Not only does food waste in landfills increase the production of methane (a potent greenhouse gas), but by composting, the food is “recycled” and nutrients are added back to the land. But the benefits are not just for the environment.

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A likely benefit to composting or saving food scraps for proper disposal is to be an eye-opener about the amount of food waste happening in your household. If composting and saving food scraps is a chore, there are ways to reduce your food waste such as buying less food, ensuring your food remains safe to eat as long as possible with proper storage, and re-purposing your leftovers.

Buy Just the Amount of Food You Need Do you shop when you’re hungry? Or without a list? Do you get tempted by end caps with specials at the grocery stores? It can be easy to add items and end up with too much food. Often that extra food goes bad before it can be eaten and ends up wasted. To avoid this, try these strategies:


Avoid Grocery Shopping When Hungry We’ve all been there: everything is appetizing and you end up making impulse purchases of items you don’t necessarily need. This situation can be costly for your wallet, your health, and the environment.

Plan Your Meals Planning your meals for the week will help you better estimate what you need to buy. Make sure to do an inventory of your refrigerator, freezer, and pantries when planning so you can use what you have on hand before buying more food.

Stick to Your List Once your meal plan is complete, use it to make

importantly, stick to the list! If the items “on special” in end caps are not on your list, leave them behind!

Store Food to Prevent Waste When food is stored correctly, it lasts longer. This starts as soon as you return from the grocery store. Make sure to store all food items right away, starting with frozen and refrigerated items. If you’re unsure how to store certain fruits and vegetables to maximize freshness, check out these websites for tons of useful information about food storage and tips to reduce food waste: SaveTheFood.com and ScrapFoodWaste.org.

Re-Purpose Leftovers If you’re in the habit of making a little more food than you can eat at one sitting, you may end up with lots of leftovers. Using them is a great way to minimize food

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waste and save money. The following ideas are ways to

browned. Use your day-old bread to make yummy

handle or transform your leftovers.

French toast.

Casseroles or Larger Dishes

Pasta and Rice

Move leftovers to individual size containers for

Leftover pasta and rice can be added to soups,

freezing. Most casseroles freeze well and will give you

casseroles, vegetable dishes or turned into a pasta/rice

meals for up to 3 months. Make sure to label the meals

salad. You can also freeze leftover pasta and rice for later

with the date and contents!

use.

Bread

Fruit

If your bread, hot dog, or hamburger buns are

Leftover canned or fresh fruit make great additions

getting a bit old, transform them into bread pudding

to salads, cereal, oatmeal, yogurt, smoothies, pudding,

or let them dry out to make your own bread crumbs. If

cottage cheese, or pancakes/waffles. Use it in baked

there’s only one or two hot dog or hamburger buns left

goods such as muffins or quick breads. Overripe

in the bag, make some cheesy toast by spreading with a

bananas can be used in banana bread and muffins or

little butter or soft margarine, topping with cheese and

frozen for use in smoothies.

broiling in the oven until cheese is melted and lightly

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Vegetables

use them within the next two days. When reheating

Add leftovers cooked or raw vegetables in soups,

they reach an internal temperature of 165ºF. Freeze

salads, omelets, pasta dishes or jarred pasta sauce, and

leftovers right away, not after they have been sitting

casseroles. Leftover baked potatoes can be cut up and

in the refrigerator for a while. They can be frozen

pan-fried, added to soup, or made into a twice-baked

for up to 2-3 months. Need more ideas? Check out

potato. Chopped raw onions, celery, and green peppers

LoveFoodHateWaste.com for fun recipes using your

can be frozen in freezer bags for use in omelets, soups,

leftovers.

leftovers such as meat and casseroles, make sure

So if the idea of collecting and disposing of food

stews, or casserole.

scraps seems daunting, use all these strategies to

Meat/Poultry/Seafood

reduce your food waste! Your wallet, health, and the

Slice leftover meat or poultry and make sandwiches. Leftovers can be shredded or cubed to add in tacos, enchiladas, stir-fries, soups, and salads.

Remember Safety First! Leftovers can spoil quickly, so take care to preserve

environment will thank you! 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 such as Community Meals, Meals on Wheels, Care Coordination, and more call 800-642-5119 or visit AgeWellVT.org.

nutrients and keep food safe to eat. Immediately place leftovers in covered containers in the refrigerator and

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Vermont Maturity | September/October 2020 | 21


A Positive Mindset is Key to a Successful Move by Ben Durant

W

hat’s more stressful than the idea of spending a week in jail; for 1 of 10 Americans, moving and selling a home is considered more stressful than jail-time. As a Senior Real Estate Specialist, I spend 52 weeks a year doing my best to

take the stress away. Yes, moving is hard. Plain and simple and it can get harder with each decade that passes. But I’ll let you in on some of my pro-

tips that can make your next move/transition easier and less stressful. This article is my first of three articles in series on my best tips for a successful down-size or right-size transition for boomers and seniors.

22 | September/October 2020 | VermontMaturity.com


Focus on a Positive Mindset

it helps to pick a

Establishing a positive mindset early is by far the

life and emulate what

positive person in your

Establishing a positive mindset early is by far the most important tip that I can pass along to you.

most important tip that I can pass along to you. Easier

they would do. For

said than done, right? Start by imagining yourself high

me that person would

above looking at the big picture of your life. I’ve helped

be my grandmother

countless clients through this and it’s important to

Helen who was known

start by knowing everything will work out well in the

for saying “you catch

end and the best possible outcome will be found. In the

more bees with honey.”

middle, there will be problems but they will be worked

Helen was born 113

out. Sometimes the problems are big and sometimes

years ago and came

they are small. But eventually, all the problems go

from a different time,

away. It’s how we perceive and deal with problems that

but she was an incredibly positive role model in my

can make a transition graceful.

life. I remember talking to her about this when I was

Besides, what other option is there than to be

in my most pessimistic teenage years. She explained

positive? Stressing out over problems can bring out

to me that when she was in a difficult situation, rather

the worst in us. Stress almost never fixes anything and

than reacting, she’d imagine standing at the pearly gate

normally makes matters worse. But remaining positive

and reflect down on the situation, and she’d know just

can be difficult when we are overwhelmed. Sometimes

how to act. Aside from religious connotation therein, the simple perspective of looking at a situation from

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www.WickAndMaddocks.com Vermont Maturity | September/October 2020 | 23


a distant overview, as others would see it, is enough

Show them this article if you have to. Your spouse or

to help people make a thoughtful decision of how to

family is likely the most important member of your

proceed in a calm and positive manner.

team and likely the most difficult to control. Get out in

Beyond staying positive ourselves, it’s equally important to assemble a team that is calm and positive. Seek the help of others including family, friends, a real

front of the issue before it becomes stressful, and you’ll likely nip it in the bud. To conclude, moving will undoubtedly add stress

estate agent, attorney, and moving specialist that brings

to our lives, but dealing with stress in our lives is

calm and positive approach to your life. When you

inevitable. We cannot eliminate stressful situations

consider your prospective team, reflect on how they

entirely, but we can choose how to react to them.

affect a room. Do they charge it up, or calm it down? A

Choosing to react in a positive way is by far the best

calm, positive team will make your life better and help

way and will almost certainly yield the best outcome.

you weather any storm. If you interview a professional

In the next two entries to this series, I’ll discuss

to help you with the transition, imagine what it’d be

some of my tips on how to stay organized and how to

like to go to the movies with them, and then imagine

let your new space guide your move. In the meantime,

the theater if someone yells “fire.” Is that person still

practice that positive attitude until its pandemic proof!

the right person to have at your side? If you’re transitioning homes with a spouse, or other family member, have the “stay-positive” talk early.

24 | September/October 2020 | VermontMaturity.com

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 be contacted by calling 802-355-688 or visiting Transitionsvt.com.


The SECURE Act: Glass Half Full or Empty by Jennifer R. Luitjens, Esq.

There is no doubt that the SECURE Act of 2019,

withdrawals for the plan-owner’s beneficiary. But,

signed into law on December 20, 2019, as part of the

should you panic? Well, that may depend upon whether

spending package, revolutionizes the treatment of many

you are a glass-half full or glass half-empty personality

retirement benefits, particularly in the area of required

type.

HERE’S WHAT YOU NEED TO KNOW IN BASIC TERMS: No changes to required minimum distributions (RMDs) for plan participant/IRA owner if you were over age 70 1/2 on 12/31/19.

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Vermont Maturity | September/October 2020 | 25


status, which may include: surviving

Holly Lemieux

spouse, minor child (until age of

Attorney at Law

majority), disabled individual, and individual not more than 10 years younger than plan participant Major changes for all other “designated beneficiaries” —full withdrawal of all retirement funds by 10th anniversary of plan owner’s

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death, but no RMDs for years 1-9 Confused? Bottom line is that Congress has removed the “lifetime stretch” for most beneficiaries of retirement benefits. Accounts must be withdrawn—and applicable income taxes paid— within 10 years of the account owner’s death. If you’re a glass half-full type: tax benefits still exist for the plan owner even increased ones for those who can delay RMDs until age 72. Plus, the “stretch” was a loophole for many decades. However, the rubber band has regained its elasticity, and beneficiaries can no longer defer taxes (“stretch”) at the same pace. Concerned? Consult your tax advisor and estate planner as you may need to make changes to your beneficiary designations and trust or will documents.VM Attorney Jennifer Luitjens, Esq. is partner at Jarrett & Luitjens Estate and Elder Law in South Burlington Vermont, practicing exclusively in elder law and estate planning. You can visit their website at VermontEstatePlanning.com.

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Vermont Maturity | September/October 2020 | 27


Estate Planning & Elder Law THAT’S ALL WE DO.

Champlain Tours has eliminated

Financial Advisor at SeaComm,

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opportunities. Guests with new and

retirement situation, define your

existing bookings through March

financial goals, determine your

31, 2021 now have the ability to

life insurance needs, and provide

cancel for any reason and receive

general investment advice. To

vouchers equal to 100% of amounts

schedule an appointment with

paid, and a zero cancellation fee

David at our South Burlington

(cancellation insurance is not be

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refundable.) If a vendor cancels

0566 ext. 804, or email him at

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SeaComm Offering Free Personal Financial Advisor

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Free Subscription to Vermont Maturity Vermont Maturity is mailed free of charge to qualified recipients age 50 and older in the Chittenden County area. Vermont Maturity offers a wide range of local and regional coverage on topics important to boomers and seniors, including local stories and news plus articles on finance, travel, fashion & beauty, business, caring for aging parents, grandparenting, careers, health & fitness, food, and things to do.

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Standing! By Gary Richter

T

here it is, I’ve said it, “The S-Word.’ Standing. As benign and innocent as we may think this (in)activity is; it’s a killer. Well, overstating it a bit, but there are those who tell us they wished they died, rather than tolerate lower back pain, leg fatigue and other maladies, ultimately due

to standing. Just ask your friend or neighbor working in manufacturing at GlobalFoundaries, an operating room nurse, anyone working retail, your mechanic, or your child’s teacher. They’ll tell you what podiatrists, physiotherapists, anatomy and physiology textbooks have known forever – humans were not designed to stand. The root of this evil, from an engineering perspective, is that our primary support structure (spine) is not centered up the middle of ie gg ved! u A pro Ap

our bodies. Combine that, with the disproportionately dense weight up high on top of our necks (head), also not centered. Our back, backside, shoulders, hamstrings (back upper legs) are all constantly under tension, are tense, working to keep us from falling forward. What happens if we totally give in to Newton? That is, let gravity take affect? We fall forward. If we’re smart enough to throw our leg out, it’s called walking. Ah, now we’re talking. During that activity, reasonably healthy human feet have built in mechanisms that help us maintain our valuable arches within our feet, balance, absorb shock and propel this off kilter organism. But we must be walking or running to activate these mechanisms. When we stand, they are totally ineffective. So what’s the solution? Unquestionably, the most important defense is muscle balance and stretching. Complimenting this, and something many of us find easier to be disciplined about, is wearing solid footwear, with upgraded footbeds to take over when

our intrinsic mechanisms are inactive. Upgrade footbeds take the form of 100% custom orthotics for $250-$800, worth every penny, or semi-custom solid over the counter ones for $40-$120. All must be firm and robust enough to support a human in gravity. The short list of reputable brands are available from your podiatrist or a quality, specialty footwear retailer.

Gary Richter is a manager of New Balance Williston in Maple Tree Place. Gary has a B.Sc. in Kinesiology. His colleague Sara LaBarre is a board certified pedorthist, practicing locally for 12 years. Sara works with local health professionals, transforming their footwear and orthotics to maximize their mobility. Between the two, they have 55 years of experience at all levels of the industry.

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