MARCH/APRIL 2019
SPRING EDITION
Pipes and parades: Behind the scenes with the Greater Scranton Black Diamonds Pipe Band
A bridge to the past:
Seniors Speak:
Is everyone really Irish on St. Patrick’s Day? TS_CNG/GOODTIMES/PAGES [G01] | 03/06/19
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Restoration project in Nicholson goes full steam ahead
Health care watch:
Mental health and older adults
contents
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In thIs edItIon: FeatureS
coluMnS
Mental health and older adults............ 4 Depression is a major health problem among
today’s grandparent ............................ 2
older adults. Learn the warning signs.
Basic estate planning............................ 3 Washington Watch ................................ 7
renovating the railroad station........... 6, 10 Nicholson project is underway after extensive fundraising.
green space ........................................... 15
Pipes and parades ................................. 8-9
travel
Behind the scenes with the Greater Scranton Black Diamonds Pipe Band.
tennessee trip ....................................... 12
improving your sleep............................ 12 Have trouble catching Zs? Check out these tips.
Estate planning for snowbirds............. 13
coMMunity seniors speak ........................................ 13
Good tIMes FoR senIoRs a tiMEs-sHaMroCK PuBLiCation
149 penn avenue Scranton, pa 18503 EditoriaL | 570-348-9185 advErtising | 570-348-9100 Managing editor Elizabeth Baumeister x3492 advertiSing SaleS Manager alice Manley x9285
contriButing WriterS: duane Campbell, david deCosmo, Bob gelik, Cheryl M. Keyser, Ed and Eleanor rogers and Jack smiles
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Good Times for Seniors is a publication dedicated to informing, serving and entertaining active older adults in Lackawanna and Luzerne counties of Pennsylvania. It publishes six times per year — winter, spring, early summer, late summer, fall and a holiday edition. Circulation of this issue is 61,000 copies to more than 125,000 readers aged 55 and over. Advertising rates and deadlines available upon request. Publication of advertising contained herein does not necessarily constitute endorsement.
on tHe cover: Bagpiper Mark Jenkins, left, and drum major rich Bowen at band practice.
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TODAY’S GRANDPARENT
Spring 2019
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Learning from them BY DAVID DECOSMO
grandchildren don’t usually come fully grown. But we have one who did. our daughter welcomed a 16-yearold exchange student from italy to her home and we immediately accepted her as an “exchange grandchild.” it was apparent she accepted us as well. We grandparents are usually happy and proud to share our life learning experiences with the grandkids. We should be mindful that sharing is a two way street. our natural grandkids have been teaching us how to operate today’s electronic devices for several years. they’re a great aid when it comes to identifying contemporary recording artists. they even know most of the lyrics we can’t always hear, or understand. our italian guest shared some of her sicilian traditions like the popularity of card and bingo games at Christmas. Who knew bingo originated in italy? We also learned a little about how grandparents are regarded in her world. it’s an impression we’d like to believe is shared here.
We grandparents are usually happy and proud to share our life learning experiences with the grandkids. We should be mindful that sharing is a two way street. in italy, grandparents are revered as the roots of the family tree. they are seen as giving life, strength and direction for the generations that follow. Even if unseen, their influence is always there and is as strong as the roots that hold the family tree in place. those of us who are grandparents have the responsibility of making and keeping those roots strong while we’re here. this is a good lesson for all to learn. Hope all your news is good. David DeCosmo is a former television news reporter. He and his wife host tours for TravelWorld.
Basic estate planning BY BRENDA D. COLBERT
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determine whether the financial power of attorney will be immediately operative or whether the agent will have no authority to act unless and until you are determined to be incapacitated. Many people question whether it is necessary to have a last will and testament as part of their estate plan. In Pennsylvania, when someone dies without a will, the commonwealth determines who will receive the deceased’s assets and who will manage the estate of the deceased. Many families are surprised when a loved one passes away to discover that Pennsylvania law does not always provide for the distribution of the estate in the same way that they know the deceased would have wanted assets to pass. A basic estate plan may also contain a long-term care planning component. The goal of this is to preserve assets even if the need for long-term nursing home care occurs. Long-term care planning can be done in advance of the need for planning or even if a crisis situation arises. As part of an advance plan, a carefully prepared irrevocable trust can be used to shield assets from the cost of nursing home care. If prepared properly, the irrevocable trust could provide flexibility in the planning. It is never too late, however, to protect assets. With the help of a certified elder law attorney, a single or widowed person should be able to protect 50-60 percent of his or her estate from the cost of nursing home care, even after admission to a skilled nursing facility. A married applicant can protect considerably more assets. In many instances all marital assets can be protected for the benefit of the healthy spouse.
state planning is the term used to describe planning for the possibility of future cognitive and/ or physical incapacity, a long-term care need and death. It is a general term, but each individual estate plan is as unique as the person for whom it is being prepared. There are, however, certain essential estate planning tools that should be a part of every person’s estate plan. The financial power of attorney and health care power of attorney and/or living will are essential to ensuring that financial and medical decisions can continue to be made during a lifetime, even in the event of an incapacity. The last will and testament memorializes, in writing, an individual’s wishes for after death to ensure that assets pass to loved ones upon death. A health care power of attorney is a writing made by an person to designate another person to make health and personal care decisions for him or her. The health care power of attorney should include an expression of your wishes concerning end-of-life medical interventions. A financial power of attorney is a powerful document that allows you to appoint an agent to manage your financial and legal affairs in the event that you become incapacitated and unable to handle these on your own. The purpose of the financial power of attorney is to ensure that your values are respected and your intentions and financial goals will be met by the person of your choosing. Ideally, you should appoint both primary and successor agents. In addition, you should give careful consideration to the “gifting” and other potential estate planning authority that the agent will have under the financial Brenda D. Colbert of Colbert & Grebas, P.C. is a certified elder law attorney. power of attorney. You will need to
“Each individual estate plan is as unique as the person for whom it is being prepared. There are, however, certain essential estate planning tools that should be a part of every person’s estate plan.”
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Mental health and older adults
■ Noticeable changes in mood, energy level or appetite ■ Feeling flat or having trouble feeling positive emotions ■ Difficulty sleeping or sleeping too much ■ Increased worry or feeling stressed ■ Anger, irritability or aggressiveness ■ Ongoing headaches, digestive issues or pain ■ A need for alcohol or drugs ■ Suicidal thoughts ■ Feelings of guilt, worthlessness or helplessness ■ Loss of interest or pleasure in hobbies and activities —National Institute of Mental Health
by Cheryl M. Keyser
A young woman would complain about her mother, who was still mourning the death of her husband 12 years later. This is such a life-changing event, that for those who have not experienced it often find if difficult to understand. But the depression that it brings as a consequence may need medical attention. Depression is a major health problem among older adults. It is part of a spectrum of mental and behavioral problems that are often considered signs of aging. But according to the National Council on Aging, even though one in four older Americans experience such problems, “it is not a normal part of aging.” An unfortunate consequence of this is that older adults do not receive the appropriate treatment. According to the American Psychological Association (APA), mental and behavioral problems will affect 15 million individuals over the age of 60 by the year 2030. The main concerns of health care professionals are the consequences on the body that mental problems can cause. They are not only the obvious ones, such as suicide, but ancillary conditions, such as heart disease, diabetes and stroke. As the National Institute of Mental Health (NIMH) notes, “depression can make it more difficult for someone to care for him- or herself and to seek treatment when needed.” And even today, when there is a greater understanding of this issue, medical professionals may still dismiss such problems as related to the aging process itself. Depression is a real illness which affects everyone in a different way, but it is treatable, is the key point that the NIMH tries to convey. People who suffer from depression are not acting, not looking for sympathy, they are experiencing a life-changing fact - whether it be the loss of partner or a retirement which is often accompanied by a lower economic status, or the face in the mirror which reflects more lines and creases. There is no way to predict how someone will react to a major
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problem in his or her life. As the NIMH notes, sadness is often associated with depression, but someone with depression may not experience sadness. But that does not mean this isn’t a real illness which can lead to problems related to physical well-being, mental issues and social functioning. Older adults in this situation are also candidates for abuse, which can take many forms – from financial, to physical, or even sexual. Estimates seem high suggesting that one in six older adults will deal with some form of abuse. This can come from anyone from family members to con artists. It can also lead to depression or the feeling that one has lost control of his or her life. According to the World Health Organization, it can also leave long-lasting psychological consequences. Adding to the problem is the fact that many physicians are not mental health specialists and are not conversant with the issues involved. One general practitioner handed a patient a two-page list of symptoms of depression and asked him to check
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Warning signs of depression
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off those which applied. In another case, a psychological specialist, gave a patient a questionnaire to fill out. The first questions was “have you ever been depressed?” According to Life Senior Services, “primary care physicians fail to diagnose depression 50 percent of the time” and “researchers estimate that up to 63 percent of older adults with a mental disorder do not receive the services they need.” What lies in the future with this kind of limited knowledge? One source calls for more training of health care professionals in mental health issues, substance abuse and suicide prevention, as once identified these conditions can be treated as successfully as younger people. An accompanying problem is the lack of Medicare coverage for mental health problems. While Medicare usually covers 80 percent of the cost for a physical health problems, for mental health it reimburses only 50 percent. For many individuals living on a limited income, this can be a financial challenge. There is bipartisan legislation
in Congress (H.R. 884) which would allow clinical psychologists to be included in the definition of “physician” under Medicare regulations. According to the American Psychological Association, this change would “allow psychologists to see Medicare beneficiaries independently in all covered treatment settings.” Currently, for psychologists to see Medicare patients, they need the presence of a physician. This would also expand the treatment by psychologists to be provided in outpatient rehabilitation facilities, partial hospitalization programs and other venues outside a psychologist’s primary office. For older adults, this is especially important because it would improve coverage for services under Medicare, provide more opportunities for treatment and encourage the attention of the medical profession to this problem. For more information, visit the National Institute of Mental Health website at nimh.nih.gov.
Retirement Remains Americans’ Top Concern If your retirement plan doesn’t: Increase payments when the stock market index increases; Provide lifetime income for yourself and your spouse; Protect the account balance when the stock market decreases; Allow periodic lump sum withdrawals; Return the unused balance to your beneficiary;
Then call for the booklet that explains how to convert or implement such a plan. 800-962-9543 GOOD TIMES FOR SENIORS TS_CNG/ADVERTISING/AD_PAGES [ADG05] | 03/06/19
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Renovating the railroad station by Jack SmileS
“My love for history and for Nicholson,” she answered. “When I grew up there were Visitors to Nicholson Borough will four grocery stores. Now we don’t have one. soon be able to step through a portal and At Farmers Supply you could buy everybe transported more than a century-and-a- thing from furniture, to farm equipment to half into the past. nuts and bolts. There were creameries, feed Well, they will really step through the stores and two hotels. It’s where we came doorway of a 165-year-old rail station on from. It was a very neat little town. We’d Route 11. Restored as close as possible to like to create something like that again.” it’s original condition, it is renamed the The renovated train station, or depot, Nicholson Tourism Center at the Historic was built by the Liggett’s Gap Railroad, one Delaware, Lackawanna and Western Railof the first railroads in the area, in 1849road Station. 1850. It was the largest and busiest depot on The restoration began in January after the Liggett’s line from Scranton to Great four years of planning and fundraising Bend. by the Nicholson Heritage Association’s When the renovation is done, the depot (NHA) members and chair Marion Sweet. will be a companion piece to the borough’s At 81, Sweet is not slowing down when it famous railroad bridge, the Tunkhannock comes to promoting her beloved hometown Viaduct, which was the largest steelof Nicholson where she grew up and lives. reinforced concrete structure in the world She graduated with the borough’s last when it opened in 1915 and is still a tourist high school class in 1954, before the school attraction. merged with Lackawanna Trail. PHOTO COURTESY OF JOSH STULL What drives her? The sun illuminates the bridge with the station in the foreground. Please see Railroad, Page 10
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Washington Watch BY CHERYL M. KEYSER
Dr. Jeff Williamson, chief of geriatric medicine at Wake Forest University in Winston-Salem, North Carolina, noted “I think we can say this it the first disease-modifying strategy to reduce the risk of MCI (mild cognitive impairment).” High blood pressure is an issue in 60-70 percent of the general population. The patients in the study were 50 years of age and older and came from different ethnic backgrounds. MCI is an important factor in studying Alzheimer’s. Dr. Maria C. Carrillo, chief science officer for the Alzheimer’s Association, said, “MCI is a known risk factor for dementia and everyone who experiences dementia passes through MCI.” According to the Alzheimer’s Association, the study “was not definitive” but “there was a positive trend.” This was partially due to the fact that the study did not continue long enough. Ninety percent of the high blood pressure medications used in the study were generic. For more information, visit alz.org.
An 80-year-old man living in California had several caregivers from a local agency. While that seems normal, the women who provided his care described a different situation. They were repeatedly groped and subject to lewd comments about their bodies and ethnicity. Although they complained to the home health agency for which they were working, it did nothing. So the women took their case to the Equal Employment Opportunity Commission (EEOC), and won a settlement of $340,000 to be paid to five caregivers. The agency will also provide anti-harassment training to employees. The EEOC attorney noted “harassment is not part of a caregivers job description.” This is an important resolution to this issue, as home health aides are the fourth fastest growing occupation in the country. As one of the caregivers, Rashon Sturdivant said, “while we take care of people, we also deserve to be treated Increased protection with respect and dignity, and the laws Immunization for long-term care protect us from harassment even when residents is receiving increased attenthe workplace is inside someone’s tion, thanks to a recent summit and home.” For more information, visit eeoc.gov. white paper sponsored by the Gerontological Society of America (GSA). Alzeimer’s and high blood pressure “Immunization in long-term care is The correlation between Alcritical as we are dealing with indizheimer’s and high blood pressure viduals at great risk for getting the flu, has become a major area of research, pneumonia, shingles and associated leading to a decision to intensify the complications,” said GSA past presiinvestigation with the Alzheimer’s Asdent, Barbara Resnick, Ph.D, R.N. sociation putting up $800,000 to support She also noted such immunizations the continuation of a four-year study, apply not only to patients, but also to known as “Sprint Mind.” staff.
Other recommendations from the summit include: ■ Increase mandatory staff vaccinations ■ Implement mandatory resident vaccinations ■ Make vaccinations a mandatory condition for hiring ■ Publish vaccination rates on websites ■ Increase the use of renewal consent documents. For more information, visit geron. org.
Health costs – a budget breaker Frightening news regarding the cost of health care in the not too immediate future comes from the Employee Benefit Research Institute (EBRI). Its study found that from 2011-2018, Medicare beneficiaries needed substantial savings to pay for program premiums, such for Medicare Parts B and D, deductibles, out of pocket prescription drugs and other health care expenses. This does not take into account any costs for long-term care which is not covered by Medicare. It predicts “more responsibility for health care costs” will have to be taken care of by Medicare beneficiaries.
For more information, visit ebri.org.
Drug prices hit hospital pocketbooks
Three national organizations representing hospitals and hospital pharmacists agree that “continued rising drug prices, as well as shortages for many critical medications, are impacting patient care and putting strains on hospital budgets.” They went on to refer to the present situation “as a drug spending crisis” affecting both patients and hospitals. Most serious is the comment of Chip Kahn, president and CEO of the Federation of American Hospitals, who noted, “relentless drug price increases and all too frequent shortages of critical medications are eroding the capacity of hospitals to provide our patients needed care.” This is so serious, that one in four hospitals have to find alternative therapies and cut staff. For more information, visit aha.org.
Did you know? According to the Federal Aviation Administration (FAA), there are close to 5,000 pilots over the age of 80 still flying.
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Pipes and parades Black Diamonds Pipe Band a longtime staple of Scranton Saint Patrick’s Parade by bob Gelik
Since the mid-1990s, the Greater Scranton Black Diamonds Pipe Band has been a reliable presence in the annual St. Patrick’s Parade in Scranton. When the parade steps off this year on Saturday, March 9, Bill Hetherson, pipe major, will once again will be in the line of march with the Black Diamonds, just as he has been since the early years of the band’s existence. The band performs at various events – sometimes in full force and other times as a small group – throughout the year. But what could be termed “the St. Patrick’s Day season” is the band’s busiest time of year. In addition to the Scranton and Pittston parades, the Black Diamonds plan to perform at the Friendly Sons of St. Patrick of Lackawanna County and of Pittston dinners as well as the Society of Irish Women’s dinner and some pub tours. Hetherson, 55, recalled the Pittston parade about two years ago was held despite bitter winter weather. The parade’s coordinators, he said, had about seven bands lined up. “Two of them dropped because of the cold,” he said. “It was probably under 20 (degrees) with a very high wind. It was wicked. “Most of the people ... were not even able to play their bagpipes. Sound wasn’t coming out for most of them. A few of us were able to play, but sound was a big problem.” Roger Whitaker, 86, of Harford, one
of the band’s founding members, ticked off several more-pleasant memories. “We were invited to play at the dedication of the World War II monument in Washington, D.C.,” he said. That was in the spring of 2004, a year after the band played at the inauguration of Pennsylvania Gov. Ed Rendell in January of 2003. The band has played at the U.S. Military Academy at West Point five or six times for a military tattoo, he said. “That was pretty special,” he added. “We also played at one of their football games.” During an appearance by Joe Biden at a Friendly Sons dinner at Genetti’s in Dickson City, band members posed for photos with the then-vice president, who gave them vice presidential commemorative coins. Whitaker also said the band participated in the Tartan Day parade in New York City when actor Sean Connery was grand marshal and led 60 pipe bands to Central Park. Whitaker said he was about 60 when he started taking lessons in bagpipe playing in the early 1990s. In 1994, he and three other people who were taking lessons from the same teacher wanted to start a street band to march in parades and perform. The instructor did not have an interest in doing so. Dickson City’s Eagle Hose Co. firefighters had a band at the time, he said, so they joined up with them. “We’ve been practicing here ever since,” he said. Hetherson said the following year Tom Nolan, who was a pipe major
“It (the sound of a pipe band) is a very visceral experience. You really feel it in your chest, especially when there’s a bass drum pounding, and then the pipes playing, too.” Bill Hetherson, Pipe major, Greater Scranton Black Diamonds Pipe Band
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BOB GELIK / FOR GOOD TIMES
Roger Whitaker is a founder of the Greater Scranton black Diamonds Pipe band. from Amityville, Long Island, and the original band members joined up. Nolan was experienced in how marching pipe bands play and operate. Hetherson also got involved in 1995 with the group after he and a friend were talking about their “mutual love for bagpipe music.” Both started taking lessons. “Once I learned to play well, I advanced to instruction. … I was also given the position of pipe sergeant, which is second in command of the pipe rank,” he said. “I was pipe sergeant for quite a while, probably most of the time from ’95 to 2006, so I was kind of learning the ropes at that time.” He became pipe major in 2006. The popularity of bagpipe music and a pipe band is based on several things, Hetherson believes, including its unique sound and a mystique. “It is a very visceral experience,” the Archbald resident said. “You really feel it in your chest, especially when
there’s a bass drum pounding and then the pipes playing, too. “People are always asking how you play them. They wonder about bagpipes and bagpipers.” Though many of the band’s members can lay claim to Irish ancestry, Hetherson is quick to point out, “you don’t have to be Irish to be in a pipe band. We’ve got Irish, we’ve got Scottish. I’m half Italian.” Also illustrating this are Jimmy Losavich, pipe sergeant, who is half Polish, and Mark Sujkowski, drummer and business manager, who is all Polish. Formal musical training is no more a requirement than heredity. Hetherson said he played guitar in a high school rock band and continued playing into his 20s. He played by ear, without lessons. Though he stopped playing in that band about 30 years ago, he continues “strumming guitar at home for (his) own pleasure.” Please see Pipes, Page 9
Older Adult Meal at St. Luke’s Monroe Campus
BoB Gelik / For Good Times
Drum Major Rich Bowen leads the band in a marching drill. FROM PAGE 8
In the Black Diamonds, he said, a good portion of the members have some musical backgrounds, while others have none. The band is also diverse in its members’ jobs and careers. “We have an orthodontist in the band. We have a sheriff ’s deputy in the band. We have what I do (business systems analyst for MetLife in Want to join? Clarks SumThe Greater mit), executive scranton Black types,” Hetherdiamonds Pipe son said. “Some people drive Band is always trucks. ... One looking for new guy is a wellmembers. The known motorband rehearses cycle mechanic every Tuesday in the area.” He added this from 7-9 p.m. at the eagle Hose diversity is a Co. in dickson good thing and it adds a fun City. For more nature to the information, visit group. blackdiamondHetherson spipeband.com. said his goal is for the band to “look good as well as sound good.” At a recent rehearsal, the time he spent on the music seemed to be matched by time coaching younger players about marching in place, always stepping off on the same foot and getting the bagpipes up and down in a precise, coordinated manner. “I want that to be sharp,” he said. “I want the sound to be as good as we can get it and then have fun afterward.” Bob Gelik is a retired Times-Tribune copy editor.
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Members of the Black Diamonds Pipe Band performed during the 2018 Pittston City St. Patrick’s parade.
100 St. Luke’s Lane Stroudsburg PA 18360
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FROM PAGE 6
Sweet said the station renovation project would likely not have been a success if it weren’t for another Nicholson native and passionate advocate, Josh Stull. “Thank God for Josh,” Sweet said, “Oh how I wish he lived closer.” Stull, who lives in the Washington D.C. area and works for the United States government in the Department of Agriculture, is a member of the National Historic Site. And the tiny borough of 700 residents is lucky he is. Stull did the grant-writing for the project. In 2012 , he wrote the application for a $25,000 Pepsi Refresh Project grant, which covered more than half of the purchase price for the station when the NHA bought it in 2012 from an electrical contractor who was using it for storage. With the Wyoming County Commissioners agreeing to sponsor the renovation project, Stull wrote the application for a Pennsylvania Department of Transportation (PennDOT) Transportation AlternaPhotos courtesy of Josh stull tives Program (TAP) grant for preservation A ticket window in the passenger room. and rehabilitation of the historic train to the depot in the 1990s and found reams station, awarded in 2014. The winning of paper work in cabinets. He learned the bidder was Perry’s General Contracting, D, L & W had two different color schemes Dunmore, with a base bid of $1,154,000. over the years, including a Brewster (forest) While this is more than the original grant amount awarded, PennDOT is fully funding green with red trim. Stull, who gets back to Nicholson when the work to complete the project. he can and plans to retire there, said the ul“Though the grant money is funneled timate goal of the project is to link the area’s through PennDOT,” Stull said, “it’s federal railroading and transportation attractions, funding, and we have to be compliant. including the Martins Creek Viaduct, the Things had to be done – a historical review, Viaduct Valley Way Scenic Byway, Starrucca environmental review a feasibility study.” The grant also requires the renovation to Viaduct, Steamtown National Historic Site, preserve the original architectural integrity Anthracite Heritage Museum and Iron Furnaces, Electric City Trolley of the station as much as posMuseum, Lackawanna Coal sible. For example, workers Want to help? Mine Tour, D&H Gravity are carefully taking out the Railroad Depot Museum and tax-deductible three-inch thick floor boards Honesdale: the birthplace of to be sent out for restoration donations can be American Railroad. and then reinstalled. made by check and Despite the grants, the “It’s still in good shape, mailed to P.o. Box NHA still needs to raise considering it’s age,” Stull 496, Nicholson, PA, money for long-term stabilsaid of the depot. “The ticket 18446 or online ity of the project and for booth, the agent’s office, the the TAP grant requirement passenger waiting room via PayPal at nicholfor NHA provide a match to and the freight scale are still sonheritage.org. cover inspection costs. Taxthere, though when they deductible donations can be widened Route 11, they had made by check and mailed to P.O. Box 496, to shave off some of the roof and take off Nicholson, PA, 18446 or online via PayPal at the external ticket window. nicholsonheritage.org. The original station had no indoor The website also has a comprehensive plumbing. The renovation will have to history of Nicholson, written by Stull, powinclude a handicap-accessible bathroom ered by statistics explaining in detail how and handicap access at the entrance. Even so, the station will be restored as close to its vital Nicholson was to the rail and dairy original condition as possible, right down to industries and how the D, L and W station was the center of activity in the borough the color scheme. – something Sweet, Stull and the NHA memStull, who is a rail fan and rail memobers are working hard to recreate. rabilia collector, said he was given access
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A freight scale.
Marion Sweet with a donated George Ray photo album of the Pennsylvania Cut-Off.
Women in Retirement: Unique Financial Challenges & Opportunities BY CHRISTOPHER SCALESE Financial planning should be a personal experience as unique as each individual, based on their specific goals, needs and priorities. That said, there are a number of common financial factors impacting women as a demographic today that are important to recognize, both in terms of challenges to overcome as well as distinct opportunities.
away from work as a caregiver (either for children or aging parents) or other contributing factors, less income today can also mean less Social Security in retirement; this leads to an even greater importance on personal savings to fund retirement goals.
Women have continued to make increasing strides toward equality over the past century, from holding a record number of seats in Congress to owning nearly 40 percent of privately held firms in the U.S. according to the National Association of Women Business Owners in 2018. Unfortunately, however, there are still areas that are far from equal.
Living longer: According to The Social Security Administration, a woman age 65 today can expect to live on average until 86.7, as compared to 84.3 for men. This means a retirement plan needs to last for the long haul, and if married, also provide provisions for the unfortunate possibility of going from two incomes to one at some point during retirement. It is critical to find a financial advisor that encourages participation from both partners, so they are equally comfortable with the relationship and feel ownership and confidence in their plan.
Earning less: On average, a woman today still earns 80.5 cents for every dollar a man earns according to the US Census Bureau. Whether this is due to time
Less confidence in investing: According to a recent Fidelity Investments® Survey, only nine percent of women think they make better investments than men (despite their
LIFESTYLE CHALLENGES
results to the contrary!). Many of those surveyed were also less likely to ask for help because they didn’t know where to start, didn’t feel they had enough saved or didn’t make time for it to be a priority.
annual returns. These differences may seem small-between both saving more and earning more-the difference can compound significantly over time when saving for retirement.
LIFESTYLE ADVANTAGES
Focused on planning: Rather than chasing returns or stock picks, women have a tendency to plan based on goals, timelines and lifestyle needs. They trade less frequently and typically are more risk-averse, all of which can be beneficial characteristics for a portfolio, especially at or near retirement.
Despite these statistical setbacks and perceptions, women have a number of distinct opportunities when it comes to managing finances for retirement, as their choices also inherently tend to align with strong returns and financial best practices. Better at saving: The same Fidelity study showed that women averaged 9% of their salary went to savings (as compared to 8.6% for men) in workplace retirement accounts. And for outside accounts, including IRAs and brokerages, women averaged 12.4 percent compared to 11.6 percent for men. Have higher returns: While only 9% of women thought they made better investments than men, the women surveyed actually earned 0.4% higher
While women’s confidence as investors has not kept pace with their impact and influence on the overall economy, their often-innate approach to finances can provide many long-term advantages to money management. By recognizing their mounting economic power and identifying their distinct financial planning needs, women can feel empowered on their path to financial independence. Like anything else in life, the single best way to increase confidence is by seeking out information, and the best time to start is now.
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Travel to Tennessee BY ED AND ELEANOR ROGERS
ium, Graceland and the Country Music Hall of Fame. For sightseeThey say the Good Times Travel ing, there will be a paddlewheel boat Club goes to Tennessee quite often. cruise on the Mississippi and guided That’s true; the Volunteer State has tours of each of the three cities. more to offer than most places within Elvis’ Graceland is the most a bus ride from Northeast Pennsylfamous rock ‘n’ roll residence in the vania. world. Welcoming more than 650,000 The club is going again in a couple guests a year the estate is the most months and this time the itinerary famous home in America after the has been expanded to include Elvis White House. It is on the National Presley’s Graceland in Memphis, the Register of Historic Places and a state’s top tourist attraction. designated Historic Landmark. In addition, the group will stop In addition to visiting Graceland, in Chattanooga, home of two of the one can’t go to Memphis without a world’s best aquariums, and Nashtour along Beale Street where many ville for a performance of the Grand of the city’s music venues and 117 Ole Opry. barbecue joints are located and The nine-day trip, arranged by visiting the National Civil Rights John Madden of TravelWorld, is Museum at the Lorraine Hotel where scheduled for May 1 to 9. The comMartin Luther King Jr. was assassiplete package has been priced at nated in 1968. $1,899 per person. While in Chattanooga, the Good Madden said there are still a Times group will stay at the historic few openings available for the trip, Cho-Cho Inn which is located at the which will be made in a deluxe former Southern Railway Station. motorcoach. There is no flying inThe station served as many as 50 pasvolved. senger trains a day. It became famous People interested in joining the when the Glenn Miller Orchestra group should call TravelWorld ofrecorded a song of the same name fices in Scranton (570-342-5790) or during World War II. Kingston (570-288-9311) as soon as In Nashville the travelers will stay possible while space is still availat the Opryland Hotel, a renowned able. resort that, in addition to luxury The group will leave Scranton and rooms, features an indoor river on Wilkes-Barre early on the morning which guests can ride in flatboats. of May 1 and spend the first night The Drury in Memphis will be a in Virginia. Then there will be two new experience for some Good Times nights each in Chattanooga, Nashtravelers. One of its most popular ville and Memphis. The final night features is the “kickback” with comwill be spent in Virginia. plimentary hot food and cold beverThe package includes all transages – beer, wine, mixed drinks and portation, hotel accommodations soft drinks – every evening beginning and breakfast every morning. In at 5:30. addition, there will be five dinners The trip will be hosted by Ed and including one at the Nashville Night- Eleanor Rogers who have invited life Theatre. many Good Times readers to join Madden also arranged premium them on the latest adventure to some tickets for the Grand Ole Opry, and of the most interesting and exciting admission to the Chattanooga Aquar- travel destinations.
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Tips for improving your sleep
Do you regularly have trouble sleeping? You’re not alone; in fact, this is a common problem among seniors. Fortunately, there are a number of things you can do to catch more Zs. HABITS TO ADOPT
helps to clear your mind and ward off anxiety. HABITS TO AVOID ■ Excessive napping. Don’t extend your daytime naps past 20 minutes, and don’t take naps after three o’clock.
■ Creating a bedtime routine. A sensible going-to-bed routine is essen■ Consuming too much caffeine. tial for getting a good night’s rest. A Particularly in the evening, avoid period of relaxation allows your body foods and drinks that over-stimulate to prepare for sleep. the senses such as coffee, cola and chocolate. ■ Reserving your bedroom exclusively for sleeping. Only head to ■ Oversleeping. If you wake up your bedroom when you feel tired. early, don’t remain in bed too long. It’s natural to assume that more sleep ■ Implementing a healthy lifeequals more rest but in reality, sleepstyle. Be sure to eat a healthy diet, ing in tends to increase fatigue. get plenty of exercise and engage in mentally stimulating activities. Still short on Zs despite adopting these habits? Then consult with a ■ Journaling before you go to medical professional. In particular, bed. If your thoughts tend to run you may want to ask your pharmacist amok as you lay in bed at night, try if the medication you’re taking could jotting them down on paper. This be affecting your sleep.
Seniors Speak BY BOB GELIK
Several members of South Side Active Older Adult Community Center talked about past and present celebrating of St. Patrick’s Day, and their thoughts on the adage that “Everyone’s Irish on St. Patrick’s Day.” Dorothy Gioglio, 65, South Scranton A recent transplant from Long Island, New York, she said, “I would cook the corned beef and cabbage. I’m a sucker for the cabbage, actually. And Brussels sprouts, I love it all. It’s tradition. Corned beef and cabbage goes with St. Patty’s Day. Might be the only day you make it, but you know you’re going to make it, regardless of what nationality you are.” On the “Everybody’s Irish” adage: “Oh, yes, everybody’s Irish on St. Patty’s Day. Look around. How many people do you see wearing green?” Pat Harrington, 70, South Scranton “I live next door to Kelly’s Pub and Eatery in South Side. I put my order in (for several ham and cabbage dinners) early in the morning. In the afternoon, I go and pick my dinners up and take them to people: My friend, he can’t drive or anything right now so I’ll take a dinner to him. I’ll get one for my son. I’ll pick up about six orders (including one) of course, to my brother next door.” On the “Everyone’s Irish” adage: “I think so, although I’m not.”
Theresa Volski, 91, South Scranton “We’d go out for supper (ham and cabbage) and have a couple of drinks. That’s the day you have it–not corned beef, ham. “When I was a waitress at Smith’s, the people from the parade used to come in, the bands and all that. We had a great old time (with the bag) pipers from Brooklyn and New York City, Philadelphia. That was a day we all celebrated. Everybody was happy, happy.” On the “Everyone’s Irish” adage: Noting she’s “100 percent Polish,” she said, “Yes. We always wear green. Since we were kids we always wear green. Everybody’s Irish.” Pat Straub, 71, Petersburg Section of Scranton “I buy myself a half a dozen of green carnations for St. Patrick’s Day.” “We invite all of our friends and we all have ham and cabbage. We have, like, Irish Soda Bread to go with it. My one friend … used to buy the ham. He bought that every year. That was his thing. He didn’t care about the cabbage. The other one liked the cabbage and not the ham,” she said with a laugh. “It was an all day (event). I used to make a big vat of it. There were so many
people, and we had fun.” On the “Everyone’s Irish” adage: “Yes, they are. I’m half but I’m whole on St. Patrick’s Day.”
Joe Nieroda, 84, South Scranton Before his wife, Marianne, died about a year and a half ago, they “used to go out for dinner or get together with a group of friends,” he said. “We used to go up to the Waldorf Club on East Mountain (for) dinner, couple of beers, that was it. Some people would sing Irish songs. I didn’t know any Irish songs, but I chimed in.” On the “Everybody’s Irish” adage: “Yes. Around here it’s a tradition. Almost everybody wears green.”
Joe Cutonilli, 90, South Scranton A widower, he doesn’t do anything special these days but he recalled, “Back in the old days, my wife would cook cabbage and stuff (ham and cabbage). I didn’t go out too often on St. Patty’s Day. We might’ve went to Thomas’s Bar down there on Cedar Avenue. They used to have ham and cabbage on St. Patty’s Day. They had a special on St. Patty’s Day.” His late wife, he added, was Irish and Welsh while he’s Italian. On the “Everybody’s Irish” adage: “Yeah, I go along with the holiday.”
Estate planning for snowbirds BY ATTORNEY MATTHEW J. PARKER
It’s that time of year when thoughts of living in a warm client appeal to those of us stuck in the frigid northeast. People who are blessed with the opportunity to spend part of their year in Florida or another warm climate may be interested in some of the estate planning issues that arise when you take on the status of “snowbird.” The first question is, “in what state do you intend to reside?” Your residence is typically determined by the amount of contacts you have with the state. Do you vote, pay income taxes, insurance or have other state connections such that they outweigh the state you visit during part of the year? That state of residence will have a lot to do with the documents you should obtain. Most of my clients still consider themselves Pennsylvania residents although they spend several months of the year in Florida. Therefore, they have Pennsylvania documents such as a will, power of attorney or health care power of attorney that reflects Pennsylvania law. If they permanently move to Florida, they should visit a Florida attorney to have new documents done. Some clients ask if they should have two sets of estate planning documents – one for each state. While this is possible, there is a risk of conflict between them. Therefore, most clients only have one set. Powers of attorney can be used across state lines for most transactions. If you have real estate that you purchased in a second state, you may want to consider a revocable living trust to deal with the settlement of your affairs in the non-resident state. For example, if a client of mine has real estate in Florida, I would want him or her to consider a revocable living trust to avoid probate in Florida when he or she dies. Please see Easter, Page 14
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FROM PAGE 13
If the client doesn’t have such a document, his or her family will need to retain an attorney in Florida to handle the probate process with regard to the property in Florida. This can be a timeconsuming and expensive process that could be easily avoided with a revocable living trust. Lastly, make sure you have multiple originals, or at least copies, of your powers of attorney for financial and healthcare decision-making that you can take with you when you travel. There could be a crisis that occurs as you travel from state to state, requiring the use of those documents. Having the powers of attorney with you along with contact information for your agents, will allow the hospital or other medical provider to contact your agents when a decision about your care or finances needs to be made. Matthew J. Parker is a principal of the law firm of Marshall, Parker & Weber, LLC with offices in Wilkes-Barre, Scranton, Williamsport and Jersey Shore. For more information visit paelderlaw.com or call 1-800-401-4552.
9-DAY TRI-CITY TENNESSEE TOUR for seniors
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Green Space: Marching into spring by Duane Campbell
You have heard before how much I enjoy spreading mulch in March. You start with a ragged, dead garden strewn with the debris of fall and winter and finish with an attractive and protected bed, rich brown dotted with bright green sprouts of emerging plants. You get to greet these plants one at a time, cleaning out the crown here, clipping old dead growth there, dividing that one, moving this one, digging back the runners of those that had much too good a season last year, offering all their first feeding. Biting into the first sun-warmed tomato is a thrill, but this pales compared to seeing new green – the promise of flowers – after five months of dirty brown and gray. Clipping back the bushel-sized cascade of dead stems of the Saponaria, soapwort to the Latin-averse, I found a teacup-sized clump of new shoots. It’s hard to believe that in June, this will again be a lush cascade completely covered with a solid mass of long lasting pink flowers. It was my first venture into pink. The name, both names – SAPonaria and soapwort – come from the ancient practice of making a mild soap from the sap. I’ve never tried. Maybe I can find an Axe body wash plant. This is the plant you see pouring over walls in those pictures of European gardens. It is dead-easy, given well-drained soil and a whole lot of sun. Since it is tap rooted, you can’t divide it. But this also means it behaves itself, staying where you put it instead of crawling all over the county as do many wall plants. The Sweet Woodruff was a mistake. Planted out front and cowed by a an elderly maple, it was a gentleman, spreading slowly. Then I moved a piece to the lush soil and sun of my perennial border. It settled in and overran peonies, geraniums, iris and several flowering shrubs. It has to be controlled, and now. Before the victimized perennials get too big to work around. So every March I have been teasing out large mats, sliding a spading fork underneath, loosening, ripping and filling my compost bin. I know I won’t get it all, and it will reach far and wide by fall, promising a reason
Sea kale is tasty enough to eat, pretty enough for the flower border.
Species crocus volunteering in the euphorbia myrsenites is a beautiful accident.
to get out in the early spring sun. Two clematis planted last spring are waking up, and tiny sprouts are emerging at the soil line and the promise of more along the stems. This is not a plant for instant gratification. The first season’s spindly sprouts hardly seem capable of enduring our Northeast winters, and I had to tie orange marking ribbon on stakes so I could find them this spring. Soon they will make some more respectable – if tangled – growth. Older clematis have grown enough to become a real pruning problem. There are three specific ways to prune a clematis depending on just what variety it is. For the first couple of years, I undertook the job with purpose, taking a book on clematis out into the garden, clipping paragraph by paragraph. Now I just trace each stem in the tangled mass back to two big buds and snip. It takes time, but it is time enjoyably spent under a warm March sun. Sort of. I’m beginning to wonder, though, what hedge shears might do. All the clematis get a particularly generous dose of mulch, about six inches, with a small void left right around the crown. They like cool roots below, and mulch serves as insulation from the hot sun above. The Crambe just sits there, a few brown lumps on the ground with only a sliver of green peeking out. It is hard to believe that in June, that hint of green will be four-foot leaves on a hulking plant the size of a Volkswagen, with a flower head eight feet high like a cumulus cloud. Crambe is a genus with only two species. That one is in the ornamental
border. Another smaller one, Crambe maritima, commonly called sea kale, is in the vegetable garden, though it is pretty enough for the flower border. This is a plant that should be in every garden, but it isn’t. The earliest eating out of the garden, weeks before the asparagus pops up, it has a crisp, nutty flavor, outstanding in salads or prepared in any way you would fix asparagus. Sea kale needs a bit of attention in late February or March, but not much. It must be blanched. So I put large pots over each clump with a piece of duck tape over the hole. When the pale sprouts reach six or eight inches, they are ready to snap off and eat. Hostas are still sitting there, looking dead, but they aren’t. They just don’t like to wake up early. I don’t blame them. But with a little hand rake I clear last year’s leaves and other debris. I feed them and mulch around the outside of the clump, with a thin layer of mulch over it. Irises have sprouted, and they get similar cleaning, feeding and mulching. They also get a sprinkling of Preen weed preventer to prevent weed seeds from germinating. If you wait until they start growing, they are almost impossible to get out of an iris patch. Iris should be divided every two or three years, and it is best done in fall for those who do things on time. For the rest of us, it can be done in March. With a spading fork, lift the surface tubers, shake the soil off and break them apart. Scoop out a shallow saucer of soil, spread the spidery roots out, and cover them. The top of the tuber should be right at the surface.
march gardening is so easy that even a cartoon character can manage it.
All this is easy sweat-free work, especially on a cool March day, and no strain on winter-withered muscles. Ornamental grasses are a different matter, with massive deep roots made from titanium, and if I can avoid dividing them, I do. But sometimes I can’t. I try to find a part that has formed a peninsula off the clump and with a trowel I dig a hole a foot deep next to it. That gives me room to wield a pruning saw and cut through the isthmus. Then with a spading fork, or more likely a pick, I haul the detached piece out. If it is a large piece, I cut it into hamburgersized pieces and pot them up. My favorite perennial, Euphorbia myrsinites, doesn’t go to sleep in winter. It is one of the few that maintain their top growth. Though it doesn’t look happy, it is at least something beside brown stubs in winter. But some of the stems died back and need to be removed. New sprouts are coming up from the crown. One patch is planted where there once were species crocus, which returned. Often the species crocus, unlike the more common Dutch crocus, bloom in early March, even late February. Together they are lovely, as accidental parings often are. The euphorbias reseed abundantly but not obnoxiously. Seedlings pop up everywhere. Some I just leave where they are. Some I dig up and pot for placement elsewhere, if I figure out where. Clean up the litter. Spread the mulch. Move on. It looks great from the chair in my study. Yeah, I like March.
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