AUGUST 2020
VOLUME 13 NO. 3
FROM THE EDITOR'S DESK By Pieri Hayes
Hello Del Webbers Hotter than I would like it for July, but this is the weather in paradise. Just a brief shower in the afternoon to cut some of the humidity would be nice. This is my second editorial. The first one was statistics on the virus and perhaps you don’t want to hear that anymore, so I scratched that. From the number of photographs that I received, to replace the calendar, it has been a good year for gardens. I have also gotten other types of photographs from people I haven’t received from before. Let me say thank you and keep them coming. We can always use and love to highlight some of the photographic talents we have here in the hood. In these troubled times, many pictures of beautiful flowers can’t help but lift spirits. Feel free to email me with suggestions for large features, like the flowers this month, until we have our magazine back to normal numbers. I’ll let this magazine speak for itself and sign off asking that you please stay safe and healthy.
FIND THE CARDINAL Don’t forget to look for the cardinal this month. Remember that it will be hidden and once you find it, write your name, phone number and location of the cardinal on a slip of paper and deposit it in the “Where’s the Cardinal” official container at the front desk of The Resort. Deadline for entries is the 5th of the month. A name will be drawn out of all of the correct locations and the winner will be awarded a $10 Publix gift card and their picture proudly displayed in the next Resident News. (Of course, the cardinals on this page and in the monthly calendar don’t count.) While The Resort is closed, entries can either be emailed to dwc.newsletter.prh@gmail.com or can be left in the box by my front door at 481 Eastern Isle Ave.
or Call: 843.899.2709
E-mail: DWCBMag@gmail.com
To place your ad in our next issue please contact:
Steve Mitchell - Account Manager/Treasurer
Until next month -
July's winner was Roland Ouellette of Oyster Bay. He found the cardinal (with a magnifying glass) on page 24 in the trees on Washington state postcard. There were 7 entries and 2 were correct.
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FEATURES
AUGUST 2020 • VOLUME 13 • NO. 3
1...................... From the Editor 1...................... Cardinal Winner 3..................... Lifestyles Update 3..................... Republic Services - Where Are You 4..................... An Untimely Death 6..................... Mega Ship Cruising 8..................... Bonsai = Trees In Pots 9..................... Berkeley County Animal Shelter
Cover painting by Donald Paczynski
16................... A Veteran's Story Publications Committee:
17................... Photographer's Corner Bob Durand
24.................. Reevaluating History
DESIGN
26.................. Conversation With A Gecko
Pieri Hayes, Chairman/Editor Ken Weisenberger, Vice Chairman Stephen Mitchell, Treasurer/Account Manager Barry Hassel, Cover Design
26.................. Professor Switenko's Corner 28.................. Thursday Mornings With Bill
Layout & Design by:
31................... Birthdays & Anniversaries 34.................. Financial Collumn Del Webb Cane Bay Resident News printed by:
CLUB NEWS 11....... Kennel Club
21...... Cane Bay Players
12...... Pickleball Courts
22..... Bookworms
12...... ADWC Donates 14...... ADWC Annual Report
Deadline for submissions for the August 2020 edition of the Resident News Magazine is July 15 at 5 PM.
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Resident News is published monthly by the Del Webb at Cane Bay Publications Committee (herein referred to as the DWPC) and is made possible by the support of our resident contributors and our advertisers. Please send your comments or questions concerning articles or editorial policy to the Editor (Pieri Hayes) at dwc.newsletter.prh@gmail.com. Advertising queries should be directed to the Marketing Director, Steve Mitchell at DWCBMag@gmail.com. The DWPC neither guarantees nor endorses any of the products and services advertised in the publication. All submissions should be sent to DWC.Newsletter.PRH@ gmail.com. Once received, all materials become the property of the DWPC. Submissions may be edited for length and clarity. The final decision on the appropriateness of submissions for inclusion in Resident News remains with the DWPC. Views expressed in the Resident News do not necessarily reflect the views of the members of the DWPC, the Del Webb at Cane Bay Association, Inc., The Del Webb at Cane Bay Association Board of Directors, or AAM and assumes no responsibility or liability for the accuracy or completeness of the statements made within the publication. Final newsletter content is based solely on the discretion of the Resident News Editorial Staff. Articles should be no longer than 700 words in length without the prior approval of the Editor. Submissions not received by the 15th at 5 PM, will not be published without prior approval of the Editor.
www.DWCtoday.com
LIFESTYLES UPDATE
By Mindy Jones
JULY 2020
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hank you to all the residents who came out to support the farmer’s market and the drive-in movie last month. The rain held off for both events and the turnout was great! We will keep you updated as we are in the process of planning these again for August. On July 13th, we had a Red Cross blood drive which filled up quickly. With the blood that was collected, they were able to save up to 84 lives! Our next blood
drive will be on Monday, September 14th. We hope you have been enjoying the many food trucks we have had in the community throughout July and we have more scheduled for August. Also, if you love making crafts and think residents would love to buy your items, sign up for the Summer Craft Sale scheduled for August 15th. Keep checking the weekly emails for updates on all upcoming events and food trucks.
Lifestyle Director
August 1 - Bits-n-Bytes 8:30 AM – 11 AM. August 4 - Jonny Poppers 4:30 PM – 6:30 PM August 11 - Rolled Quesadilla 4:30 PM – 6:30 PM August 18 - A Lotta Ciabatta 4:30 PM – 6:30 PM August 25 - Oh Yahh BBQ 4:30 PM – 6:30 PM
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REPUBLIC SERVICES – WHERE ARE YOU? By Dick Standring
O
ur Republic Services barrel is among the hundreds recently left at the Resort’s parking lot. Here are three photos. I contend that our collective annoyance constitutes a peaceful demonstration.
To reserve your ad space in our next issue please contact:
Steve Mitchell - Account Manager/Treasurer
E-mail: DWCBMag@gmail.com Call: 843.899.2709
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AN UNTIMELY DEATH By Tom Jones - History Forum Writers Group
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n early 1923, President Warren G. Harding came down with the flu. Seldom in the best of health, he regularly suffered shortness of breath, chest pains, and difficulty sleeping. Not to be deterred though, he forged ahead with his “Voyage of Understanding” tour designed to gauge public sentiment and to explain his administration’s policies, perhaps in hopes of seeking a second term. On June 10, Harding’s train left Washington first for St. Louis where he gave a speech broadcast live over radio. From there the train traveled to several other cities. In addition to speaking engagements, Harding met with various dignitaries and provided many photo opportunities for the press. Harding also did some sightseeing, including stops at Yellowstone and Zion National Parks. Several persons accompanying him commented on his swollen lips, puffy eyes, and tired demeanor. However, Dr. Charles E. Sawyer, his personal physician, pronounced him fit and “in splendid trim.” On July 4 Harding and his entourage boarded the USS Henderson bound for Alaska. Upon returning July 27, the Henderson collided with another ship in dense fog. The next day while giving a speech at the University of Washington, Harding misspoke several times and appeared to lose his balance. After another appearance that evening, he went to bed early complaining of abdominal pain. Dr. Sawyer, a practitioner of homeopathic medicine, claimed it was the result of eating bad seafood and administered one his many purgatives. White House physician Dr. Joel T. Boone felt that Harding was suffering from an enlarged heart. Boone arranged for two other physicians to examine Harding in San Francisco. Harding and his group arrived in San Francisco on July 29 and registered at the Palace Hotel. By July 30, Harding’s temperature had reached 102, and he had developed pneumonia. This forced the 4 I RESIDENT NEWS
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cancellation of the remainder of his California appearances. By August 1, Harding was feeling better and seemed on his way to recovery. On August 2, 1923, Harding was in bed while Florence, his wife, was reading him a flattering article from the Saturday Evening Post. At approximately 7:30 PM, he said to Florence, “That’s good, go on,” and suddenly he shuddered and died at age 58, two years beyond the life expectancy of males in 1923. Sawyer attributed death to cerebral hemorrhage. Boone and the other attending physicians reluctantly agreed with Sawyer’s assessment and indicated death due to apoplexy. Harding’s sudden death raised lots of questions, especially after Florence’s death in 1924. First, there was concern about Sawyer’s diagnosis of Harding’s death and the begrudging agreement of the other doctors. Second, Florence insisted on no autopsy and the embalming of her husband as soon as possible. Third, she allowed no one to handle the glass from which Harding was drinking and poured its contents down the sink. Gaston Means wrote a book, The Strange Death of President Harding, in 1930 in which he claimed Florence Harding had slowly poisoned her husband throughout the trip for several rea-
sons. First, Harding was a heavy drinker, even serving alcohol in the White House though Prohibition banned it. Second, Warren Harding was a notorious womanizer, and Florence knew it. Harding had fathered a daughter with his mistress, Nan Britton, and although denying it, he had Secret Service agents deliver her child support until he died. Carrie Fulton Phillips, another longtime mistress, received hush money from the Republican National Committee. Harding loved sex so much he said that if he were a woman he would be pregnant all the time. Third and more importantly, Florence knew that Harding’s administration was rife with political scandal that would reflect badly on the President. Charles Forbes, director of the Veteran’s Bureau, and others close to him had sold government supplies to private individuals, pocketing the money. Attorney General Harry Daugherty and other members of the “Ohio Gang” were involved in numerous financial irregularities. The most important, though, was the Tea Pot Dome scandal orchestrated by Interior Secretary Albert Fall. Historians have concluded the once popular President died of a heart attack not poisoning, but Harding’s reputation was irreparably tarnished by the scandals which came to light after his untimely death. www.DWCtoday.com
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WHAT MIGHT MEGA-SHIP CRUISING LOOK LIKE IN THE FUTURE? By Tom Gannon, Lynn Travel Inc. Summerville, SC and New Hope, PA
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am going to peer into my crystal ball and see what cruising on mega-ships may look like in a couple of years. I am only considering the following lines and the number of ships in their respective fleets is in parentheses: Carnival (25), Celebrity (11), Disney (4), Holland America (15), Norwegian (17), Princess (20), and Royal Caribbean (25). Let’s do the math. At present the combined maximum capacity of all of the ships in the lines mentioned above is 383,000 passengers. To put things in perspective, most suites accommodate more than two passengers and many typical cabins have a berth for a third and, even in some cases, a fourth passenger. So far only Carnival has talked about selling some of the ships and they claim to have a buyer for six vessels and will close the deal probably before this article is published. The 55, plus, age group has been the “bread and butter” for the cruise industry in the post “Love Boat” era. I do not believe that this will be sustained. They will have to appeal to a different demographic such as Millennials. What are my predictions? The Caribbean and Mexico will continue to be the prime destinations with Alaska and the Mediterranean in third and fourth position. Cruises, in general, will be shorter to account for more children onboard and parent’s vacation schedules. The onboard experience will be emphasized, where in the past many travelers were looking to what would happen off the ship in terms of history, culture, sightseeing, etc. Entertainment will not be so Broadway oriented and instead will feature more Vegas style entertainment, with magicians, comics, impersonators, and America’s Got Talent type of acts. Many will be based in ports and not on the ships. Dance clubs and discos will be pervasive. Quiet spaces on the ships and libraries will be less important and casi-
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nos will be expanded significantly. Many of us have looked at the food as a major reason to take a cruise. By many reports, the quality of the food on the mega-ships has declined considerably. Just think of preparing 6.300 dinners a night on one of Royal Caribbean’s largest ships. The 8 oz fillet mignon, a staple on ships, is closer to 4 oz today. It will be harder and harder to find gourmet cuisine, so don’t plan on Chateaubriand,
Beef Wellington, Veal Osso Bucco, Lamb Shanks, Duck, etc. As fine dining declines we will see more options that are on a TGI Friday or Carolina Ale House menu: ribs, chicken tenders, pulled pork, chicken parmesan, fried seafood, and steaks. Umbrella drinks will be more in evidence than estate bottled wines. To attract younger passengers and parents with children, the Royal Caribbean model will be utilized on more and more ships, with zip lines, rock climbing walls, go cart tracks, bumper cars, rope courses and the North Star, which is a glass-enclosed pod akin to a London Eye capsule, but smaller. It is attached to a giant mechanical arm that lifts the pod up and down over the side of the ship. According to cruisecritic.com, the
experience is a cross between a modern Ferris wheel (the London Eye) and a ski resort gondola ride. Personal services will be less in evidence for hair styling, facials, wraps, massages, nails, etc. Options for exercising may be enhanced, though. Just as hotels never close for renovations, you can expect that drydock will only be used for major overhauls or structural changes. Cabin and public area restorations will take place continuously, meaning that a portion of a deck may be closed on your sailing. This happens to some degree now but expect it to become more pervasive in the short term, as the ships that housed large crews for up to three months try and refurbish while they keep sailing. The mega-ships will try and compete with the smaller ships on coastal sailings in Alaska, New England, Canada Maritimes, the St. Lawrence, and California, but I would recommend these itineraries on boutique lines or the equivalent of a river cruise line. Celebrity and Holland America will be the last to abandon the traditional model of cruising. And with only 26 ships, it may be possible to continue with only a few modifications. As pricing comes down to try and fill the cabins, you can expect more “nickel and diming,” and a decline in food, service, and entertainment. Bargain pricing will be pervasive, but be wary. Think what will happen if you have to cancel. At first, the pricing on Viking Ocean and their new North American “river” ships, along with Crystal, Oceania, Regent Seven Seas, Azamara, Silversea, Windstar, American Cruise Line, and American Steamboat/Victory may seem expensive, but they offer much better value, especially in terms of the food and off-ship experiences because they can navigate to many remote venues offering amazing excursions. Travel will be much different in the next three years and may be forever changed.
www.DWCtoday.com
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BONSAI = TREES IN POTS By Don Paczynski
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he ancient art of growing trees in small containers has become a world phenomenon. Growing Bonsai is more than a hobby, it’s an art. Originating in China more than two millennia ago, the interest in growing Bonsai has shown tremendous growth in recent years. The word Bonsai derives from the Chinese words meaning a potted tree: Bon means Pot and Sai means Tree. Not every tree grown in a pot can be considered as a Bonsai. It must have several distinctive elements to qualify as a true Bonsai. One of which is the artistic shape; it must be
Indoor Ficus
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diminutive in size, and a true Bonsai must be a small-scale replica, in a pot, of a fully grown tree that you might see in nature. I have been growing Bonsai for quite a few years although my military career, interrupted my attempts as the many moves prevented me from keeping the trees I grew at times. Now that I am somewhat able to remain in one place, I brought several Bonsai from my previous home on Lake Murray to Del Webb and have added a few more starter trees that I am currently training to achieve the look of a tree in nature. Keeping and growing Bonsai is a fascinating art and hobby. There are many good sources for information on how to get started in the hobby and Cascade - Juniper about 40-50 years old several good on-line nurseries that sell everything you need, from the special tools to young and full grown Bonsai. It is best to read all you can find on keeping Bonsai, so you know what you’re getting into before buying your first tree, be it indoor or outdoor, as each has specific requirements. Most Bonsai are outdoor types but there are several that belong indoors and are easy to care for. Watering the plants correctly is critical and one of the first things that one must be aware of for the needs of the plant you select. I am willing to help anyone get started in the hobby and lead you to the best sources for information and/or plants if desired. Maple about 15 years old
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BERKELEY COUNTY ANIMAL CENTER DONATIONS By Carol and Marty Ryan
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he homeless dogs and cats and puppies and kittens at the Berkeley County Animal Center send you lots of tail wags and purrs for your generous donations of food and supplies that make their lives much more comfortable and safe while they wait for the day they will all go to their forever homes. Please continue your generous donations that are really needed as we all navigate these distressing times. You can drop off your donations at the home of Carol and Marty Ryan, 361 Oyster Bay Dr. They will deliver them to the Center.
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Day and Evening Hours
Jean’s Pet Watch 843-482-0926 843-696-2926
Jean Grulke
A Del Webb Resident 111 Sea Lavender Lane • Summerville
gobrown33@aol.com
Email:info@canebaypetsitting.com website: www.canebaypetsitting.com
Michelle Chesny Your Perfect Dog Walker and Cat Sitter is Just a Phone Call Away!
843.900.4117 cell 843.934.7003 DEL WEBB RESIDENT
Lydia Maiorano, LMT, BCTMB Del Webb Resident
401.935.3030 MASSAGE THERAPY
Swedish & Deep Tissue Massage Compassionate Touch Practitioner BCTMB Board Certified Licensed Massage Therapist
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PET CORNER SPOTLIGHT
Brock
Sponsored by Del Webb Kennel Club By Sandy Mann
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e have a retired dog in the Hood! Meet Brock, a 3-1/2-year-old Greyhound who lives with his people, Mike and Beverly Giffon, on Regatta Way. Yes, at the ripe “old” age that he is, he is retired after running 49 races. His first race was May 26, 2018 at the Palm Beach Kennel Club in Florida. His last race was at the same venue on July 27, 2019. In that year, CTW Let’s Party (his racing name) won 8 races. Mike and Beverly found him through the Greater Charleston Greyhound Rescue. They were specifically looking for a Greyhound because of the breed’s temperament, “couch potato-ism,” and nonshedding attribute.
Not really wanting to use his racing name, the name Brock was chosen. It was chosen because Mike is an avid baseball fan and liked the fast runner from the 70s, Lew Brock. Brock has some cute favorites—marshmallows and Jamaican crackers (like saltines, but not salty.) His favorite plaything is a pickleball which he can have with close supervision because if he swallowed it, he would be in big trouble! He is a creature of habit and starts yipping each night between 6 and 6:30 to let his people know it is time for a potty break/walk. He is fortunate to have an invisible fence around his house, which he takes full advantage of and will be seen doing a minute to 90 seconds of sprinting, followed by a nap. He is quite the handsome fellow as you can see. Apparently, the Giffons encountered two other greyhounds on the “historical” side of the community, so he doesn’t hold the “only one in the Hood” title. Mike says he believes the other greyhounds are a bit older. Maybe we will find out their story someday. If you see Brock out walking, say hello. He welcomes greeters (and probably hopes for treats!)
Want your pet spotlighted in DW Magazine?
For inquiries about the Kennel Club, please
Contact Sandy Mann (843)482-0927
contact Vivian McCormack at (843) 814-8322
sandymanndy324@gmail.com
Rubiclippers@aol.com
Lizzi Law Firm Christopher D Lizzi , Esq.
Serving the Low Country for 25 years
843-797-0222
843-851-5959 after hours lizzilawfirm@aol.com DIVORCE • DUI • CRIMINAL • WILLS CONTRACT DISPUTES • WILLS • PROBATE BRING THIS AD AND GET A SIMPLE WILL FOR $75.00 • POA FOR $50.00
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CLUB NEWS
PICKLEBALL COURTS GET A MUCH-NEEDED FACE LIFT By Jo Ann Ewalt
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fter a number of years of near-constant use (the Pandemic-induced court shutdown notwithstanding), the Pickleball courts were showing their wear. During the first week in July, both courts received a complete resurfacing with a textured acrylic coating made especially for coating asphalt, concrete, or existing acrylic pickleball court surfaces. The courts reopened on July 8th with 30 club members on hand under cloudy skies to celebrate the improved courts and new nets and wind screens. The festivities included opening remarks by club President Ralph Ross, and an impassioned speech by Ed Martin about Pickle-
Bright colors and sharp lines improve play on the resurfaced courts.
ball at Del Webb Cane Bay, past, present, and future. That was followed by a rousing toast to good luck and good health by Jim Chadwick, who also hit the first serve to Ralph Ross. After speaking with the contractor who did the resurfacing, Ralph distributed a reminder of do’s and don’ts designed to keep the courts in great shape for years to come, along with keeping Pickleball
Jim Chadwick toasts the resurfaced courts and raises a beverage in honor of Pickleball and the good play and good health of club members.
players safe. These include: • Be extra cautious when first playing on the resurfaced courts because they will feel different than the old courts. The courts seem to grip players’ feet more strongly and consistently than the old courts. • Always wear appropriate shoes on the courts. • No gum chewing while playing (yes, Ralph is talking to you and you know who you are!). In addition to being a choking hazard while on the courts, gum can damage the surface. • Only pickleball equipment should be placed on the courts, fences, and gates. • Always use appropriate materials such as carpets, towels, and damp mops when drying the courts after inclement weather. Metal instruments will damage the courts. Of course, all players are expected to continue social distancing, sanitizing, and bringing lawn chairs to facilitate distancing. Equally important during the summer heat is Ralph’s final plea: hydrate, hydrate, hydrate folks!
CLUB NEWS
ALPHA DELTA WOMEN’S CLUB DONATES $1,100 TO LOWCOUNTRY ORPHAN RELIEF By Cheryl Ray
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n February 2020, Alpha Delta sold tickets for our March Left, Right, Center Game which was canceled due to the virus. Recently Alpha Delta ask the Del Webb residents that bought tickets if they would like us to donate the $1,100 we raised from LRC to Low Country Orphan Relief. Everyone said yes!!! What amazingly generous people Del Webb Christina Lope, Lowcountry Orphan Relief, residents are. accepting a check from Nancy Douthwaite, Thank you Del Webb. President of ADWC. 12 I RESIDENT NEWS
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CLUB NEWS
ALPHA DELTA’S WRAP-UP REPORT FOR THE YEAR Pat Jontos & Cheryl Ray
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lpha Delta Women’s Club (ADWC) enjoyed a good year despite having fundraising, volunteer and social activities cut short due to the COVID-19 pandemic. Zoom board and membership meetings made it possible for us to stay connected. Our 38 members raised $8,400 in our year which ended June 30, 2020. The beneficiaries were: Ronald McDonald House MEALS , Lowcountry Orphan Relief, Lowcountry Food Bank in Charleston, Dorchester Children’s Advocacy Center, Hill-Finklea Detention Center women’s garden project in Moncks Corner, the food bank at Helping Hands of Goose Creek, and Hope’s House (Women’s Shelter) in Summerville. Alpha Delta also organized a Food Drive in the Del Webb Community which ballooned into a major effort due to the support of Del Webb Clubs and residents. In the end, Del Webb donated $6,200 and 968 pounds of food to help feed hungry people. YEA!!!! Again, with the help of the Del Webb residents we donated school supplies to Eagle Harbor Ranch for Boys. The school supplies were also taken to an organization that donates school supplies to teachers and schools from low income areas. Our first Children’s Winter Coat Drive supplied 80 children in need of winter coats. Every year Alpha Delta makes Holiday Cookies for the boys at Eagle Harbor Ranch. We also took cookies to Berkeley County Sheriff’s Department, Berkeley County Emergency Management, Whitesville Fire Department, and our local EMT’s. What a great year. Very fulfilling. We would not have been as successful as we were in helping children and people in need without the help of Del Webb residents.
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THANK YOU DEL WEBB!!! We work hard but we also enjoy social time. We started our new year with a luncheon in July at Pat Jontos’ house. In lieu of our December meeting, we had a festive holiday luncheon at beautiful Camellia Manor in Holly Hill. In January, we had an old-fashioned pajama party at Jane Brown’s house. Attendees brought pajamas (40 pair!) for Lowcountry Orphan Relief. Our meetings are mostly business, so this is time for us to get to know each other. This is a wonderful group of women! We hope to be meeting again soon in the Market Room in The Resort on the second Thursday of the month at noon. Please join us and find out about what we have planned for the year. We welcome all women who enjoy volunteering for the benefit of women and children. For more information, please call any one of our board members. We’re looking forward to another great year!
THE RESULTS OF OUR RECENT ELECTION: Nancy Douthwaite President Jacquie Kasprowski Vice President Marie Clutter Secretary Barbara Norris Treasurer Other members of our Board: Pat Jontos Past President Jane Brown Parliamentarian Cheryl Ray Philanthropic Committee Chair A warm welcome to our new Board members.
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A VETERAN'S STORY By Howie Snyder as told to Greg Slempa
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oward 'Howie' Snyder's decision to join the US Navy in 1958 resulted in a career that took some interesting turns through the years. While in high school he mainly focused on the mechanical trades. He graduated from Allentown High School in Pennsylvania in 1957. He completed basic training at the Great Lakes, Illinois Training Command. Placing well on the basic battery score indicated that he should pursue further instruction to be a nuclear power engineer as an Interior Communications Electrician on the Navy's nuclear class submarines. Not knowing if he had the ability to succeed at this level the recruiter said if you don't pass all of your schooling you'll end up on a 'bird farm' (aircraft carrier). He served on the USS Sarda (SS488) submarine, part of the WW II fleet in Groton, Connecticut for initial submarine qualification prior to being assigned to the nuclear submarines. A similar sized submarine is on display here at Patriot's Point, the USS Clamagore. Howie recalled how the subs would make runs from Connecticut up to Halifax, Nova Scotia and back, sometimes racing to see who would get back to port first. Attending nuclear power school 60-1 (first class in 1960), it lasted six months and covered basic arithmetic to calcu16 I RESIDENT NEWS
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lus and nuclear physics taught by MIT professors. It was definitely like drinking water from a fire hose for the amount of instruction he received. After that school he furthered his studies at the Nuclear GE Prototype in West Milton, New York, graduating seven months later. He then served on the Commissioning Crew of the Thomas A Edison, SSB(N)-610 (Nuclear Ballistic Missile Submarine) for 9 years. When the submarine USS Thresher, SSN-593 was lost at sea in 1963, the Edison was the first Fleet Ballistic Submarine to enter Charleston Naval Shipyard. This overhaul was initiated to correct those systems that failed on the USS Thresher. An interesting fact he told me about the that "Whatever came in there we fixed it, Edison was that it was the only submarine anything and everything!" from tugboats, with a piano on it. I wonder what sonar to Coast Guard vessels, to submarines. would have picked up when someone was In 1973 he served on the USS Fulton AS11 (submarine tender) for three years. The Fulton left in 1976 for overhaul in Charleston. According to Howie this is when he fell in love with Charleston, preferring it a lot more than Connecticut. He retired from the Navy November 30, 1978 while stationed here at the Naval Weapons Station as a Chief Warrant Officer-3 (CWO-3). playing it? That piano is now in the SubHe furthered his career working for Lifemarine Museum in Connecticut. In 1961 he cycle Engineering for 25 years. He then personally met Pres. John F Kennedy when worked in Pearl Harbor Naval Shipyard for the president decided to tour the sub. three years and in Norfolk Naval Shipyard, Howie was involved with requirements and Virginia for two years working in the Elecadvice from the president's doctor in de- trical Design Departments. In 2011 Howie signing and building the elevator in four finally retired. Living in North Carolina, days that would safely bring the president South Carolina, and Florida over the years aboard. That elevator is also at the Subma- Cherie, his wife of 40 years and he moved rine Museum in Groton, Connecticut. to Del Webb in November 2019. There were two crews alternating on Life is a journey and the Edison, designated as the blue crew it was my pleasure and the gold that would be swapped out to speak with Howie every three months. In 1969 he rose to the Snyder and have him rank of Commissioned Warrant Officer share the details of his from his present rate of Chief (E7) Interior impressive career, one Communications Electrician. As a CWO that he said he truly he served as the Electrical Branch Head enjoyed. Thank you so of the Submarine Support Facility in Gro- much for your service and welcome to ton, Connecticut for three years relating Del Webb! www.DWCtoday.com
PHOTOGRAPHERS CORNER Submit your photos for consideration in Photographers Corner to: dwc.newsletter.prh@gmail.com
Clematis (Ranunculaceae) - By Sandy Yohman
FYI - The calendar of events will return when The Resort operations return to normal.
Butterfly on Hibiscus - By Pieri Hayes
Ixora (Rubiaceae) - By Sandy Yohman
Zinnia - By Suzanne Wallace
Baptisia Purple Smoke, Achillia Paprika & African Iris - By Carlene Kulisch & Karen Dougherty
Amaryllis - By Mary Cummings
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Yellow Dahlia - By Suzanne Wallace
Orchids - By Carol and Marty Ryan
Praying Mantis on Curcuma - By Pieri Hayes
Wisteria Tree - By Carlene Kulisch & Karen Dougherty
Zinnia (Asteraceae) - By Sandy Yohman
Passion Flower - By Sandy Mann
Rose - By Sandy Mann
Day Lily - By Phyllis & Bob Ryan
Southern Spider Lily (Hymenocallis) - By Sandy Yohman
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Hibiscus - By Michael LiBassi
Yellow moonbeam coreopsis - By Suzanne Wallace
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Butterfly Bush and butterfly - By Sue Kohut
Flowers - By Suzanne Wallace
Crocosmia - By Carlene Kulisch & Karen Dougherty
Flowers - By Suzie Redfoot
Flowers - By Suzie Redfoot
Easter Lilies - By Ed Mattie
Daylily - By Sandy Mann
Hydrangea - By Sandy Mann
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Storm Clouds - By Sue Kohut
Galilee - By Michael LiBassi
Geese in a row - By Rich Dailey
Botany Bay - By Ronnie Price
Sunset - By Sandy Yohman
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Foggy Sunrise over Del Webb - By Marty Ryan
August 2020
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CLUB NEWS
LIP SYNC SHOW #3 By: Karen Trujillo
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he Cane Bay Players will be presenting a FREE, outdoor Lip Sync show on August 13th, 14th, and 15th. The location for the show is outside the west end of The Resort. Audience seating will be on the lawn between the building and the dog park, so bring your lawn chairs and blankets. The shows will start at 5:30 PM and will feature 17 Lip Sync acts and 2 dance acts. Two dance floors will be set up for anyone in the audience who would like to dance during and after the show. The show will end at approxi-
mately 7:30 PM, and CBP will continue to play dance party music from 7:45-9:30 PM. The show is FREE!! The CBP “Tarnished Ladies” will circulate before the show, during intermission, and after the show to collect donations. As an added bonus, the Corn Hole Club will be selling hotdogs, hamburgers, snacks, and drinks before the show until the end of intermission. Social distancing rules will apply for seating, dancing, and dining. Come out and enjoy some good food and good entertainment!
CANE BAY PLAYERS PLAN FOR “SENIOR FOLLIES” By Joanne Hawkins
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he Cane Bay Players are optimistically planning for a fall play, despite the growing cases of COVID-19. You might think that’s crazy, but when you consider that it takes about 8 weeks of planning and rehearsals to put on a play, the CBP want to be ready with a fall production if the pandemic has been contained by then. The play is “Senior Follies,” a comedy by Billy St. John. The story takes place in a retirement community much like Del Webb. The plot centers around a newly retired couple who have moved to the community to swindle the residents of their retirement money. The brother-sister duo charm wealthy retirees through romantic and very funny interludes. But a few suspicious residents investigate and, well, I won’t reveal how it ends. There are nine characters in this two-act show: five women and four men. Auditions will be held in the Piccolo room in the Resort on Tuesday, Septem-
ber 1st, from 6 PM to 9 PM, Thursday, September 3rd, from 1 PM to 4 PM, and Sunday, September 6th, from 6 PM to 9 PM. Any Del Webb resident that would like to participate is welcome to join the Cane Bay Players by coming to any of the auditions. If you are interested in auditioning for a role in the play, contact me at 843872-7118 or email me at jebhawkins429@ gmail.com to get a copy of the character descriptions and audition pages. The Cane Bay Players are always looking for new members to be involved as actors or in a supporting role. If you have a desire to perform, or you have an interest in working with scenery construction, props, costumes, makeup, sound and lights, publicity, prompting, or ticket sales, CBP would love to have you on the team. If you have no experience in the theater, no problem! This is where you can get involved and learn among friends. The annual membership fee in CBP is $15.
Performances are planned for Wednesday, October 28th through Sunday, November 1st. Five performances will allow us to space out the chairs to meet social distancing requirements, and still entertain the large crowds we typically have had with only three shows. The play will be directed by Dennis Miskewicz; stage managers are Joanne Hawkins and Lynn Karlson. Rehearsals will be held three days per week, at various times, based on room availability. Of course, all that is contingent upon The Resort being open for rehearsals in September-October. And if it isn’t, the Cane Bay Players will push this production into next year. Stages are dark all over the world, and theater companies everywhere are hopeful that soon this pandemic will be over and live entertainment can resume. The Cane Bay Players are no exception. Whenever the time comes that theaters can reopen, the Cane Bay Players will be ready!
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CLUB NEWS
BOOKWORMS by Susan Kohut
Necessary Lies by Diane Chamberlain Synopsis: (Back cover) It is 1960 in North Carolina and the lives of Ivy Hart and Jane Forrester couldn't be more different. Fifteen-year-old Ivy lives with her family as tenants on a small tobacco farm, but when her parents die, Ivy is left to care for her grandmother, older sister, and nephew. As she struggles with her grandmother's aging, her sister's mental illness, and her own epilepsy, she realizes they might need more than she can give. When Jane Forrester takes a position as Grace County's newest social worker, she is given the task of recommending which of her clients should be sterilized without their knowledge or consent. The state's rationalization is that if her clients are poor, or ill, or deemed in some way "unfit" they should not be allowed to have children. But soon Jane becomes emotionally invested in her clients' lives, causing tension with her new husband and her supervisors. No one understands why Jane would want to become a caseworker for the Department of Public
Health when she could be a housewife and Junior League member. As Jane is drawn in by the Hart women, she begins to discover the secrets of the small farm— secrets much darker than she would have guessed. Soon, she must decide whether to take drastic action to help them, or risk losing a life-changing battle. Necessary Lies is the story of these two young women, seemingly worlds apart, but both haunted by tragedy. Jane and Ivy are thrown together and must ask themselves: How can you know what you believe is right, when everyone is telling you it's wrong?
Review: Rating: 8.4 Our Bookworms’ discussion took on a different form in July. Thanks to Barbara Jordan who set us up for a Zoom meeting, many of our members met online to discuss Necessary Lies. Although we missed being together in person, it was great to see each other and share our ideas. Barbara Stewart did a great job leading our discussion. She gave us some background information on the author, who was a former social worker herself. Barbara also shared with us some details about the Eugenics program, which was an involuntary sterilization program. We felt that the book was informative and well-written. Many of us read the book in only a few days. It was an easy
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read and quite the page-turner. As always, we enjoy reading a book that enlightens us about something that we were totally unaware of. The author certainly presents us with an ethical dilemma, and we found ourselves questioning ourselves what we would have done. It really made us think. Some of the members even decided to do further research into the eugenics program. The main characters, Ivy and Jane were very well-developed. Ivy was an amazing young woman. She was a hard worker and did her very best to take care of her family. Jane was an enthusiastic social worker straight out of college. However, she was a bit naïve. We did admire her care, concern, and compassion. Although we liked the way that the author tied things up at the end of the book, we were left with some questions and felt that there were some gaps. We were left wanting more. So, if you are looking for another interesting book to read during this Covid-19 time, the Bookworms recommend Necessary Lies. It will give you something to think about. Our September book is And Then There Were None by Agatha Christie. Our meeting date is September 22nd. At this time, we are unsure whether we will meet in person or by Zoom again. If you would like information about the meeting, please send an email to Barbara Jordan at bjordan917@homesc.com.
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REEVALUATING HISTORY By Jeremy Stork
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ppression comes in multiple forms and occurs repeatedly at many levels; no civilized society should sanction the degradation of any segment of its population. As a white northerner, I never gave any thought to Uncle Ben, Aunt Jemima, Colonel Sanders, Eskimo (pies), or sport’s Indians and Redskin’s productdepictions. They were just brand iconography to me, not racist depictions; but if some people take offense and companies, fearing loss of revenue, change their iconography, I’ve no problem with that. When it comes to Confederate statuary, I have mixed feelings. After the war, Robert E. Lee was opposed to any monuments as they “keep open the sores of war.” With the Smithsonian Magazine, in 2018, stated that, "over the past ten years, taxpayers have directed at least $40 million to Confederate monuments— statues, homes, parks, museums, libraries, and cemeteries—and to Confederate heritage organizations." Many of these existing statues, both in the North and South, were funded by the United Daughters of the Confederacy, an organization founded in 1894 to “tell of the glorious fight against the greatest odds a nation ever faced, that their hallowed memory should never die.” In its 1913 annual national convention, they unanimously endorsed The Ku Klux Klan. The Civil War ended over 150 years ago, and these statues belong in museums, not public spaces. These men valued state over country and fought against the union. Honoring them is questionable, and to argue that these statues represent history, ignores that we have few monuments to King George III, General
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Cornwallis, or Benedict Arnold. Suitable museums can properly display each statue and evaluate and comment on these American’s contributions—positive and negative. Similarly, it’s time to retire the Confederate Battle Flag. One certainly has the freedom to wave it around, but why needlessly offend people—unless that’s what you’re trying to do! Norseman Leif Ericson explored North America’s northeastern coastline nearly five centuries before Christopher Columbus, yet Columbus is credited with discovering the New World. He had a good
press agent, but lately he’s getting abuse, as his horrible side is revealed, and his legacy questioned. While he discovered and claimed much territory for Spain, he could be cruel and ruthless whenever his crewman, settlers, or natives resisted his authority. A Spanish historian told journalists "Even those who loved him had to admit the atrocities that had taken place." Again, statue removal to a museum is appropriate, but renaming all cities, rivers, and streets named after him, is probably a bridge too far. Perhaps it’s unfair to evaluate historical figures against today’s standards instead of those of their own era. The Egyptians, Romans, and Greeks had
slaves and much of human history relates to conquest and the subjugation of the conquered. Changes in thinking happen slowly, sometimes at a glacial pace. Our government’s ill-treatment of the indigenous Indians, Eskimos, and west-coast Japanese is not something to be proud of, nor should it be swept under the rug and forgotten. History is important and we will not serve our country or its citizens by ignoring it or viewing it through rose-colored glasses. So, is it time for a general reevaluation of the names of public buildings and facilities? Are the individuals that they honor, on balance, worthy of that honor or are they lost in time’s mists? Is there a worthier individual that can be remembered— someone closer to our time, to whom people can relate? It’s certainly food for thought. If we value where we are as a nation, then presidents such as George Washington, Thomas Jefferson, Andrew Jackson, Ulysses Grant, and Teddy Roosevelt must be honored, for the good they did—creating, expanding, defending, and preserving the country—far outweighs the bad attributed to them. Finally, some things can’t be put in museums and must instead rely on teaching moments. It makes no sense to talk of dynamiting the Mount Rushmore or Stone Mountain memorials, for, unlike statues, these are unique historical artifacts that once destroyed can never be replaced. By destroying them, we’re attempting to obliterate some references to our history, and that never bodes well for those attempting it. So, we should ponder long and hard before any irreversible actions are undertaken.
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CONVERSATION WITH A GECKO OR GREEN ANOLE (as you erudite people would say) By Arlena Withers
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n my back patio Gecko and I were hanging out. I don't know why he was attracted to me, after all I wasn't green. Anyway, he sat or slung out on an opposing chair and I began talking to him. This is what lockdown does to one. Well, it wasn't so much of a dialogue, since I was doing all of the talking, but he seemed to be listening. Sometimes he closed his eyes dreamily as I continued my discourse on bugs and things I knew would interest him. He even turned his back to me as if I had gone on too long with my monologue, after all, I was having a tequila over ice with a segment of lime which tends to encourage my solitary soliloquies -oh- that's redundant. More of this later. We both noticed a spectacular green gecko who had jumped on the patio push-
ing out his fabulous, enormous red chest to attract another less brilliant species who leapt into the blue liriope surrounding my patio. I wondered if my friend (oh, dear, has lockdown done this to me?) had noticed and yes, of course, he had. Happily, however, he chose my company over the splendor in the grass we had both observed. So, as a reward, I offered him an ice cube from my drink (yes, coated with lime-based tequila). He approached tentatively, gave a lick and spit it out. Take notice, you alcoholics, this guy has taste. He did linger to lash out at the flies that were circulating around the remnants of eaten hors d'oeuvres. I watched how my pet caught them on the fly, so to say. So I encouraged him to have a drink to wash down that amazing meal
and scooted a tequila-laced ice cube in his direction which he investigated and began to imbibe. Ah ha! There was the beginning of a great friendship. I would drink and he would lap. After all, he was already living rent free in my house under one of the buttery colored sidings. Encouraged by his audacity, I placed an ice cube on the arm of his chair, but he wasn't having more of this and leapt over the puddle. I swear I have observed all this. My garden seems to attract animals and reptiles that think I am monumentally impassive. So, here I sit with Gecko who is now on MY chair, listening and doing his job in this symbiotic relationship; I attract flies and he, my cold-blooded reptilian friend, eats them.
PROFESSOR SWITENKO'S CORNER 1 The height of a person is not the same when they go to bed as it is when they wake up. When they get up, are they taller or shorter? 2 If a doctor told you to not eat more than approximately 90% of an ordinary hen egg, what would his reason be? 3 There are many words we use to describe the way a person walks. For example, we say that one man wobbles; another man may strut. Can you list at least 15 synonyms as you can for walk? 4 What unusual phenomenon is capable of speaking in any language known to man? 5 What are the only directions an ordinary compass will not indicate? 6 What is the possible number of straight lines necessary to draw a five-pointed star such as the one on the American flag? 7
What common motorized means of transportation in New York City (there are more than 50,000 of them) carries almost three times as many passengers daily as all the city’s trains, buses, subway cars, and automobiles combined?
8 When you are thirsty, there is nothing like a can of cola. Besides COLA, can you think of 25 things to drink that begin with the letter C? (No brand names.)
See page 33 for answers
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THURSDAY MORNINGS WITH BILL By Richard Standring
Years ago, Mitch Albom wrote a best seller, Tuesdays with Morrie. I used to work with his twin brother in Bloomfield Hills, MI. There’s a weekly event that might interest you that has some similarity to Mitch’s story. Thursdays with Bill. If you’ve ever met Bill Vroman, he can fool you. First impression, he’s a very critical guy. Until you get to know him and you realize he’s done some great things in the past of which he’s very proud. He moved here from Baltimore and lives on Tugboat Lane. To everyone’s surprise, he plays a mean organ.
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e met six and a half years ago at a Writers’ Circle meeting here in Del Webb. It’s a mixed group with varied interests in writing. Bill Vroman has a PHD in economics, taught at several colleges in the Baltimore area (including Johns Hopkins Univ.), wrote a few textbooks and had a weekly newspaper column. Those are just a few of his academic credentials. In addition to teaching, he took time off to consult with companies in trouble. I write fiction, poetry, essays, and short stories, so it seemed we had little in common. My casual approach to subjects was somewhat in conflict with his more critical views. Yet I respected his opinions and he seemed to add some structure to the meetings. Respect and humor prevailed. And still does. New members rotate in and out as their various needs are served. I’m not exactly sure what prompted our first get-together. I know I was surprised to learn that Bill also had a musical background. He played trumpet and had his own band when he was 14. He also played guitar and banjo. Later, he fell in love with organs. His present organ looks like the instrument panel of a Boeing 747. (see pix) He plays classical music all the while smiling. None of this would have surfaced during our Writers’ Circle meetings. I enjoy listening to the music and we talk about the importance of music in our respective lives. We both love classical music and it frequently serves as background in our sessions. That first Thursday morning casual meeting became a ritual that continues. Bill told me of his accomplishments turning companies around. I would interject some of my experiences touring factories when I was a publisher of three industrial magazines. Along the way, we talked about the problems and solutions to managing people. I had a sales staff I had to keep motivated while creating new marketing programs. It became clear to me that we had a few things in common. We discovered that we both lived in
Cookeville, TN, but at different times. Bill was teaching at Tennessee Tech University. And I happened to know, and play golf with Angelo Volpi, the university’s then president. Small world. Eventually we got around to investing as a subject. Bill is an avid investor while my activity with the stock market is on a lesser level. Never-the-less, we discussed the oil industry, where it seemed to be going and what prompted some of the changes. This led us into discussions about the economy in general and world markets. We generally agreed when talking about the political arena and speculating about the future. Bill’s background comes into play in these discussions and I become the student. I don’t mind, because it’s a learning experience. On occasion, I’ll mention some of my flying experiences and Bill becomes fascinated, making comparisons to moments when a critical decision was necessary. He indulges my recollections just as I indulge his. Suffice to say, we’ve retold a few stories. Recent Supreme Court decisions is always fodder for debate, as is the current pandemic. We’ve talked about our respective backgrounds and our earlier years. Bill grew up on a farm and enjoyed a close relationship with his grandfather who had a railroad career. I grew up on a small private airport where my father taught students to fly. My grandfather was an engineer on the B & O Railroad and died before I had a chance to know him. Freedom and discipline became one of the subjects we explored. While still in high school, Bill had a ’48 Ford convertible and later, a ’49 Ford he modified. Those were cars I only dreamed of ever owning. In contrast, after getting my pilot’s license in 1965, I started flying, then buying a series of different aircraft. Over a 30-year period, I owned 13 different planes. Flying provided plenty of adventure, some of which became subject matter for some of my stories. And, it gives www.DWCtoday.com
me a chance to counter some of Bill’s numerous successes. And, of course we talk about writing. I let Bill critique some of my work and appreciate his enthusiasm. He gives me encouragement which I appreciate. I find myself thinking, if I had been a student in one of his classes, I would have learned quite a bit about managing people. We compared many situations where there was a problem to be solved. It’s fascinating stuff when you can say, “Been there, done that.” Every session ends with something new learned. Over time, I’ve had the pleasure of meeting Bill’s two successful sons, David and Mark. Also, all his beautiful granddaughters. His “fingerprints” are there and he’s understandably proud of his brood. My wife, Marcia and I were invited to celebrate Bill’s 80th birthday recently. It was a fun event. Because I know Bill well, I was able to zing him in a playful manner with: Celebrating 80 Hey Billy, Billy, Let’s get a little silly, Lots of friends in the room, Don’tcha know. Once “Professor Bill”, That’s now, “over the hill”, Play some music, play until, They clap their hands, and they will, Don’tcha know. Reaching 80, a big win, Savor it, give us that famous grin, Play the music, we all love it, Don’tcha know. So, we’re asking for Billy, To play and to play, Because, 85 is now approaching, It will be here one day, Don’tcha know. So, after six and a half years of friendship, we’ve had this ongoing meet every Thursday morning for approximately two hours to discuss the human condition in every aspect imaginable. My wife often asks, “What do you two talk about?” We never seem to run out of subject matter, do we, Bill?
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BIRTHDAYS 1 1 2 2 2 2 3 3 3 4 4 4 5 5 6 6 7 7 7 7 8 8 9 9 9 9 9 11 11 11 11
Friedman, Philip Olson, Hal Clutter, Vaughn Pointon, Harr Shaw, David Wise, Barry Bolduc, Shirley Dyne, James McNerny, Nancy Budzichowski, Gene Mazyck, Rubystene Parker, Wanda Munoz, Carol Pearson, Jan Luyendyk, Donna Willis, Bob Chesny, Michelle Hunt, Judd Johnson, Linda Scheller, Linda Fritsch, Dennis Hubbell, Barbara Brown, Jane Jackson, Marvin Nassif, Janet Porter, Wayne Sanders, Kathy Ardrey, Marylou Clark, James (Dave) Donahoue, Terry Freas, Chuck
August 2020
11 11 12 14 14 14 15 15 16 16 16 17 17 17 17 17 18 19 19 19 19 19 20 20 21 21 22
LaMonica, Vinny Ross, Eilean Silvestri, Christopher Harris, Charlie Menz, Walter Moses, Martha Grindell, Bea Moore, Jimmy Kline, Jesse Schmid, George Stewart, Barb Burgsteiner, Nina Burkett, Linda Gluck, Ellen Gworek, Jim McLaughlin, Anabel Redfoot, Suzanne Cartenuto, Al Mattie, Alina McMillan, Dan Watson, Robert Wells, Elizabeth Bumgardner, Butch Ring, Edith Norris, Wayne Pitzner, Larry Rocco, Ann
ANNIVERSARIES 1 3 4 4 5 5 5 5 6 7 8 8 10 12
Munoz, Michael & Carol Frosch, Michael & Blumberg, Jane Becchetti, Rich & LouMay Mills, Robert & Joy Conder, Terry & Carol ErFurt, Harold & Patti Hoener, Bud & Marcia Yaeger, Steve & Bradley, Carolyn Rice, Darryl & Denise Harris, Charlie & Sue Lamb, John & Gloria Pernick, Steven & Elyse Annunziata, Pat & Adrienue, Kadashaw Coughenour, Don & Karen
If your birthday or anniversary is not listed, please contact Ken Weisenberger at kwweisenberger@gmail.com 23 23 23 23 23 23 23 23 24 24 24 25 26 28 28 29 29 29 30 30 31 31 31 31
Ayres, Lynn Baglio, Linda Chidichimo, Michael Rovner, Arnold Valeri, Cathy Wachter, Harold Wamsganz, Diane Watson, Victoria Fields, Fran Pitts, Rita-Conley Rimes, Joanne Benson, Janet Flum, Henry Whetstine, Lynn Wulf, Bud Cross, Sandra Madden, Pace Polis, Carol P. Allen, Ed Jones, Thomas Enes, Martin Mykytyn, Jennifer Rosen, Joanne Trovato, JoAnn
August 2020 12 13 14 16 16 16 16 17 18 18 18 18 18 19
Harnett, Jim & Becky Gillis, Jim & Carolyn Richard, Miles (Dusty) & Sharon Gellis, Barry & Anita Quinones, Samuel (Sammy) & Tricia Schwab, Jim & Sandy Whetstine, Don & Lynn Petrolito, Thomas & Linda Audia, Phillip & Kim Malone, Richard & Marsha Parker, Jack & Wanda Wilson, James & Nancy Zuklie, Bob & Judy Hunt, Judd & Nancy
19 Weidman, Steve & Nancy 20 Gamer, Al & Carole 21 Smith, Ken & Susan 21 Zinko, Bob & Fran 22 Ruge, Irene & Dick 24 Gannon, Tom & Irene 26 Friedberg, Allen & Naomi 28 Kohut, Joe & Sue 28 Thur, Ira & Rita 29 Brian & Gerri Coffee 29 Gula, Michael & Rosalind 29 Johnson, Than & Kathryn 31 Ezell, Bob & Dee 31 Ward, Jim & Doll
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PROFESSOR SWITENKO'S CORNER Answers to quiz on page 26
1 They are taller. 2 He does not want you to eat
the shell.
3 Stroll, saunter, march, amble, hike,
promenade, traverse, pace, toddle,
totter, stagger, move, mosey, gait,
stride, tread, ramble, perambulate.
4 An echo. 5 Up and down. 6 Five. 7 Elevators.
cider, cocktail, cassis, cordial,
curacao, cream, chamomile tea,
coconut milk, chicken broth,
champagne, café au lait, cognac,
club soda, cappuccino, consommé,
condensed milk, crème de menthe,
crème de cacao, crème soda,
cooler, cherry, juice, cranberry juice,
carrot juice, celery juice, cod liver
oil, cold duck.
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MANAGING WITHDRAWALS CAREFULLY CAN PROTECT RETIREMENT INCOME by your local Edward Jones Financial Advisor.
T
he investment world contains different types of risk. Your stocks or stock-based mutual funds could lose value during periods of market volatility. The price of your bonds or bond funds could also decline, if new bonds are issued at higher interest rates. But have you ever thought about longevity risk? Insurance companies and pension funds view longevity risk as the risk they incur when their assumptions about life expectancies and mortality rates are incorrect, leading to higher payout levels. But for you, as an individual investor, longevity risk is less technical and more emotional: it’s the risk of outliving your money. To assess your own longevity risk, you’ll first want to make an educated guess about your life span, based on your health and family history. Plus, you’ve got some statistics to consider: Women who turned 65 in April of this year can expect to live, on average, until age 86.5; for men, the corresponding figure is 84, according to the Social Security Administration. Once you have a reasonable estimate of the number of years that lie ahead, you’ll want to take steps to reduce your longevity risk. For starters, try to build your financial resources as much as possible, because the greater your level of assets, the lower the risk of outliving them. So,
during your working years, keep contributing to your IRA and your 401(k) or similar employer-sponsored retirement plan. Then, as you near retirement, you will need to do some planning. Specifically, you will need to compare your essential living expenses – mortgage/ rent, utilities, food, clothing, etc. – with the amount of income you’ll get from guaranteed sources, such as Social Security or pensions. You do have some flexibility with this guaranteed income pool. For example, you can file for Social Security benefits as early as 62, but your monthly checks will then be reduced by about 30 percent from what you’d receive if you waited until your full retirement age, which is likely between 66 and 67. You might also consider other investments that can provide you with a steady income stream. A financial professional can help you choose the income-producing investments that are appropriate for your needs and that fit well with the rest of your portfolio. After you’ve determined that your guar-
anteed income will be sufficient to meet your essential living expenses, have you eliminated longevity risk? Not necessarily – because “essential” expenses don’t include unexpected costs, of which there may be many, such as costly home maintenance, auto repairs and so on. And during your retirement years, you’ll always need to be aware of health care costs. If you have to dip into your guaranteed income sources to pay for these types of bills, you might increase the risk of outliving your money. To avoid this scenario, you may want to establish a separate fund, possibly containing at least a year’s worth of living expenses, with the money held in cash or cash equivalents. This money won’t grow much, if at all, but it will be there for you when you need it. With careful planning, adequate guaranteed income, a sufficient emergency fund and enough other investments to handle nonessential costs, you’ll be doing what you can to reduce your own longevity risk. And that may lead to a more enjoyable retirement.
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