Primetime April 20, 2016 by Daily Press Media Group

primetime 55-PLUS IN HAMPTON ROADS

things to get you off the sofa

Boat clubs bring the luxur y of ownership within reach

April 2016

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whatâ&#x20AC;&#x2122;s inside PrimeTime staff

Cover stor y: 20 things to do with your grandkids >>

editor Shana Gray designer Bethany Bogacki

Look no fur ther for child-friendly events and activities on the Peninsula. Page 11.

photographers Joe Fudge Jonathon Gruenke Judith Lower y Adrin Snider

Make the most of your money Our financial columnist breaks down active vs. passive investing and what the difference could mean for your por tfolio. Page 26.

<< Step to it! A combination of exercises can help prevent or improve common ailments of age, such as ar thritis. Page 29.

adver tising Sheila Logan contributors Jackie Grant Alison Johnson Jo-Ann Mahony Susan Miller Cover photo iStockphoto

Life of luxur y >>

PrimeTime is a product of the Daily Press Media Group, located at 703 Mariners Row, Newpor t News, VA 23606.

Joining a boat club and navigating for some dock and dines could elevate your level of adventure this summer. Page 19.

This magazine is published quar terly and inser ted in the Daily Press and The Virginia Gazette. Reach us at 757-247-4600.

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sow seeds in your garden and mind These activities will teach you about nature, world

A photo of tulips. (Photo courtesy of Tori Brock and the Garden Club of Virginia) Pictured to the right is Japanese maple. (Photo courtesy of Bridget Bryant.)

By Jo-Ann Mahony Tour some gardens, tour some homes. Virginia Garden Week: April 23-30, vagardenweek. org As predictable as nature’s schedule, April brings one of Virginia’s signature events, Virginia Garden Week, to the Peninsula, now in its 83rd year. Included in this year’s tours are Hampton, Newport News, Norfolk and the Williamsburg area. On April 27, the HamptonNewport News tour is on Fort Monroe from 10 a.m. to 5 p.m. continued on page 7

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Visitors can tour the Chamberlin Hotel and Paradise Ocean Club. Lunch is available at both places but not included in the ticket price. Several homes on historic Fenwick Road are featured as well as Old Point Comfort Lighthouse and The Casemate Museum, which has Jefferson Davis’ prison cell still on display. For further information: Hampton-Newport News@vagardenweek.org The Williamsburg tour on April 26 includes a walking tour of the College of William and Mary, The Garden of the Cedars Bed and Breakfast and the “Art in Bloom” exhibit at the Muscarelle Museum of Art. Make sure to take a look at the Earl Gregg Swem Library and a few of Williamsburg’s other art museums. For more information: Wiliamsburg@vagardenweek.org. continued on page 8

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Inspired? Try your own. Spring Plant Sale: Bluebird Gap Farm, April 30, 9 a.m.-2 p.m. Add to your garden, or start a new one, by attending the plant sale put on by Hampton Master Gardeners, a nonprofit volunteer organization, at Bluebird Gap Farm, 60 Pine Chapel Road in Hampton. Free admission, and to buy plants, cash, check or credit card are accepted. For easier shopping, bring your own wagon, cart or wheelbarrow. Rain date is May 1. For more information, visit hamptonmastergardeners.org. If you miss out on the plant sale, visit Countryside Garden Center at 220 E. Mercury Blvd. in Hampton, a fullservice garden center with a unique womenâ&#x20AC;&#x2122;s gift boutique. Herbs, perennials, trees and shrubs are some of the centerâ&#x20AC;&#x2122;s offerings. Organic products are a specialty. A landscape designer is on staff for consultation. For more information, visit countrysidegardens.biz. continued on page 9

Pictured is the Anne Spencer garden in Lynchburg. (Courtesy of Roger Foley)

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McDonald Garden Center at 1139 W. Pembroke Ave. in Hampton offers annuals, perennials along with herbs and vegetable plants. Playground equipment, garden ponds, and lawn and garden equipment can be found at McDonald. For more information, visit mcdonaldgardencenter.com. Head to the classroom Hampton Roads offers several opportunities for continuing education. Three venues in the immediate area with courses in late spring include: The College of William and Mary in Williamsburg offers courses including Virginia’s Freedom of Information Act, Project Management Made Easy and Developing a Photographic Eye. A lecture, Successful Aging in Our Community, is

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scheduled for April 28, from 11:45 a.m. to 1:15 p.m. Participants may bring their lunch, and bottled water and soda are available. For more information, visit wm.edu/cwa. Osher Institute’s Lifelong Learning Society at Hampton University offers classes in late April and May. Classes include computer; genealogy; beginning, intermediate and advanced Spanish; and beginning, intermediate and advanced quilting. For more information, call 757-727-5434 or log on to bit.ly/1WrX8HG. Christopher Newport University’s Lifelong Learning Society invites further knowledge with two five-week sessions in the fall and two five-week sessions in late winter and early spring. There are classes for three weeks in June, such as art, writing, computer, painting and watercolor. For more information, call 757-269-4368 or log on to lifelonglearning.cnu.edu.

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cover stor y | 20 things to do with your grandchildren

spend time

together By Alison Johnson

Make some memories across the Peninsula

Looking for a fun spot to take the grandkids? Try the Virginia Living Museum in Newport News, above, or Bluebird Gap Farm, left, in Hampton. (Top file photo by Joe Fudge. Left file photo by Judith Lowery)

Peninsula is full of fun places for kids â&#x20AC;&#x201C; and kids at heart! Here are 20 lesserknown, educational and/or inexpensive options for grandparents and their grandchildren to enjoy together: continued on page 12

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cover stor y | 20 things to do with your grandchildren continued from page 11

AIR POWER PARK. This outdoor roadside museum displays vintage aircraft and experimental space launch vehicles from the 1950s and ’60s; it also has a playground and indoor museum with a children’s area. Free; 9 a.m. to 4:30 p.m. daily; 757-727-8311; 413 W. Mercury Blvd., Hampton; visithampton.com. BASS PRO SHOPS. The outdoorsman’s store also features a 19,000-gallon aquarium, rock-climbing wall, archery range and virtual reality arcade. Free; 9 a.m. to 9 p.m. Monday through Saturday and 9 a.m. to 8 p.m. Sunday; 1972 Power Plant Parkway, Hampton; 757-262-5200; basspro.com. BLUEBIRD GAP FARM. This 60-acre farm has about 150 domesticated and wild animals, an antique display barn, a playground, grills, picnic tables

and a short walking trail. Free; open 9 a.m. to 5 p.m. Wednesday through Monday; 60 Pine Chapel Road, Hampton; 757-825-4750; hampton.gov/bbgf. BUCKROE BEACH PARK. Located on the Chesapeake Bay, Buckroe has gentle surf, picnic shelters and a playground. Free; 7 a.m. to sunset daily; 100 S. First St., Hampton; 757-850-5134; hampton.gov/ parks. CASEMATE MUSEUM. Displays of Fort Monroe’s rich history include the room where Jefferson Davis, the president of the Confederacy, was imprisoned. The fort also has nature trails, beaches, a marina and restaurants. Museum free for self-guided tours, $3 for guided tours; 10:30 a.m.-4:30 p.m. Tuesday through Sunday; 20 Bernard Road; 757-788-3391; fmauthor ity.com/visit/casemate-museum. continued on page 14

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At the Casemate Museum in Hampton, one can find the room where Jefferson Davis, the president of the Confederacy, was imprisoned. The fort also has nature trails, beaches, a marina and restaurants. Entrance into the museum is free for selfguided tours, $3 for guided tours. (Photo by Joe Fudge)

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cover stor y | 20 things to do with your grandchildren

The carousel in downtown Hampton is among only 170 antique wooden merry-go-rounds nationwide. (File photo by staff )

continued from page 12

HAMPTON CAROUSEL. The downtown carousel, near the Virginia Air & Space Center, dates to 1920 and is among only 170 antique wooden merry-gorounds nationwide. Rides $1; April-December 11 a.m. to 8 p.m.Tuesdays through Sundays; 602 Settlers Landing Road; 757-727-1610; visithampton.com. HAMPTON HISTORY MUSEUM. While relatively small, the museum showcases four centuries of history and has kid-friendly exhibits on pirates and explorers. $5 adults, $4 seniors, active military and NASA, AAA members and children 4-12 (younger than 4 free); 10 a.m. to 5 p.m. Monday through Saturday and 1-5 p.m. Sundays. 120 Old Hampton Lane; 757-727-1610; hamptonhistorymuseum.org.

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JAMESTOWN-SCOTLAND FERRY. Take a scenic 15-minute ride from Jamestown to Surry, where College Run Farms – open from late April to October – sells homemade ice cream and pick-your-own produce. Ferry free; check schedule online; 2110 Jamestown Road; 1-800-VA-FERRY; virginiadot.org. MID COUNTY PARK. A 19-acre park in James City County that’s home to Kidsburg – a large playground designed as a miniature Jamestown colony – picnic shelters, sand volleyball, tennis, basketball, a fitness trail and a Vietnam Veteran Memorial Statue. Free (with some rental options); sunrise-8 p.m. October to April; sunrise to 10 p.m. May to September; 3793 Ironbound Road; 757-259-5360; jamescitycountyva. gov.

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cover stor y | 20 things to do with your grandchildren continued from page 14

NEWPORT NEWS PARK. Itâ&#x20AC;&#x2122;s more varied than most people know: 7,500-plus acres, with mountain biking, paddle boating, archery, disc golf, aeromodel flying field, Discovery Center and Japanese peace garden. Free (with some rental and activity options); sunrise-sundown daily; 13560 Jefferson Ave.; 757-886-7912; nnparks.com. PENINSULA PILOTS BASEBALL. Come summer, head to historic, family-friendly War Memorial Stadium to watch college baseball players and eat ballpark food. $5 general admission; 1889 W. Pembroke Ave., Hampton; 757-245-2222; peninsulapilots.com. PENINSULA SPCA & PETTING ZOO. Help support homeless dogs and cats by playing with barnyard animals. $2 for ages 2 and older; 11 a.m. to 4:30 p.m. Monday to Wednesday; 11 a.m. to 4:30 p.m. Friday; 10 a.m. to 4:30 p.m. Saturday; 523 J. Clyde Morris Blvd. Newport News; 757-5951399; peninsulaspca.org. RIVERVIEW FARM PARK. Riverview includes the popular Fantasy Farm Playground, a learning garden, skate park, picnic shelters, paved walking trails and, in the winter, a popular sledding hill. Free; sunrise-sunset daily; in-

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Help support homeless dogs and cats by playing with barnyard animals at the Peninsula SPCA & Petting Zoo in Newport News. Itâ&#x20AC;&#x2122;s $2 for ages 2 and older. (File photo by staff )

tersection of Menchville and Young roads, Newport News; 757-8867912; nnparks.com. SANDY BOTTOM NATURE PARK. A 456-acre park with two lakes, hiking and biking trails, fishing, a playground and a nature center with special programs and tours. Free (with some rental fees); sunrise-sunset daily (nature center 9 a.m. to 4:30 or 6 p.m. depending on season); 1255 Big Bethel Road, Hampton; 757-825-4657; hamp ton.gov/parks. U.S. ARMY TRANSPORTATION MUSEUM. This Fort Eustis museum showcases planes, helicopters, trains and thousands

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more cool artifacts from Colonial times to the present. Free; 9 a.m. to 4:30 p.m. Tuesday to Sunday (closed Mondays and federal holidays); 300 Washington Blvd., Besson Hall, Fort Eustis; 757-8781115; transchool.lee.army.mil. VIRGINIA LIVING MUSEUM. Come enjoy indoor, outdoor and hands-on exhibits starring a variety of rehabilitated wildlife. Admission $17 for adults and $13 for children ages 3-12 (memberships available); 9 a.m. to 5 p.m. daily (outdoor areas close at 4:30); 524 J. Clyde Morris Blvd., Newport News; 757595-1900; thevlm.org. continued on page 17

continued from page 16

WALLER MILL PARK. This Williamsburg park offers boating and fishing on a 360-acre lake, hiking trails, a dog park, picnic shelters, cornhole equipment and a disc golf course. Park entrance free (some rental and golf fees); open daylight hours with seasonal variability; 901 Airport Road; 757-259-3778; williams burgva.gov. YANKEE CANDLE VILLAGE. One of the world’s largest candle shops includes a year-round Holiday Park, musical entertainment, candy and make-yourown candles and wax molds. Free; 10 a.m.-9 p.m. Monday through Saturday and 10 a.m. to 6 p.m. Sunday; 2200 Richmond Road, Williamsburg; 877-6166510; bit.ly/1woGAED. YOGI BEAR’S JELLYSTONE PARK. This

Yankee Candle is one of the world’s largest candle shops. Gloucester Point campground, about 5 miles from historic Yorktown, includes a Water Zone (pool and two 70-foot-long slides), inflatable jumping area, concessions, basketball, volleyball and fishing and crabbing piers. Day passes free for children younger than 3; $12 for ages 3 to 17 and senior citizens 60 and older; and $15 for adults (call ahead to check availability), seasonal camping rates; check hours online; 3149 Campground Road; 804-642-4316; jellystonegp.com. YORKTOWN BEACH. Swim, boat, fish, picnic and shop at this 2-acre beachfront at the foot of the Coleman Bridge. Bonus for grandkids: one of the shops is a Ben & Jerry’s. Free; 425 Water St.; 757-890-3500; yorkcounty.gov.

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luxur y

all aboard eniors having spring boat dreams could be visualizing the rivers, lakes and bays, and wondering how to fit a boat into a retiree’s schedule. One way to indulge that fantasy is by joining a boat club, a more affordable — and convenient — option than actually owning a boat. From pontoons to cruisers and sailboats, enjoying a boat has never been easier. One business offering this service is Carefree Boat Club, with locations at Two Rivers Marina in Williamsburg, Hampton’s Blue Water Marina and Long Bay Point Marina in Virginia Beach. Carefree Boat Club, part of a national franchise, started in 2002 in Virginia. The franchise has grown in response to boaters who do not want to deal with the issues that come with boat ownership. Members generally pay a one-time initiation fee, and then monthly dues. Once established, members can reserve a boat, pay for gas and go. Those with more freedom to schedule boating during the less hectic midweek will find uncrowded waterways and ports of call throughout Hampton Roads. Karen Merkel, membership director for the Hampton and Virginia Beach locations, said that several of their members are retired,

Club brings affordability, convenience to boating By Susan Miller

Carefree Boat Club started in 2002 in Virginia. (Photo courtesy of Susan Miller)

and one avid boater started as a complete novice. Merkel said the boat club offers full training and licensing for members through the Virginia Department of Game and Inland Fisheries, and includes both classroom and on-the-water experience in sessions with a certified trainer. The club also fully insures each member, as well as the crafts. Kevin Bonnema, general manager of Carefree Boat Club, said that benefits of a boat club include the value — the cost is typically one-third of actual boat ownership. Membership is valid in 43 loca-

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tions across the country, allowing senior citizens the flexibility of traveling and using watercraft at other locations. The process includes the security of knowing that the crafts are well maintained and that dock staff are there to assist. Carefree Boat Club member Mary Ann Biagetti, a retiree who joined in 2012, says that she “always loved the water but never had the time or opportunity to get certified or own a boat.” Now she says she “enjoys the water from the water.”

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resource list

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ant to park your boat and grab a bite, or would you like to check out the boating while firmly seated at a restaurant? These local docks and eateries provide ample opportunity for both.

Why drive to dinner when you can boat?

The Crown Plaza Marina Hotel, 700 Settlers Landing Road, Hampton, is situated on the Hampton River. The hotel provides hungry and thirsty boaters with three choices: an outdoor pub, Oyster Alley; an indoor pub, Latitude 37; and Regatta Grille, which offers a full-service menu. Hampton Public Piers, also located in downtown Hampton, offers boaters a number of restaurants to choose from within easy walking distance of the piers, including Marker 20, The Taphouse, Musasi and The Grey Goose. For more information about the public piers call: 757-727-1276 or visit downtownhampton.com. The Deadrise at 100 McNair Drive is located at the entrance to Fort Monroe in Hampton. The restaurant offers dining on the outside deck or inside the restaurant. The menu contains plenty of seafood, and patrons can expect great sunset views. You can enter the deck and restaurant by stairs or the elevator. For more information, call 757-788-7190. continued on page 22

The dock at Riverwalk Landing in York County. (Photo courtesy of York County)

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resource list continued from page 21

Warwick Yacht and Country Club, 400 Maxwell Lane, Newport News. Located on Deep Creek at the junction of the James and Warwick rivers, the clubhouse features a dining room and bar, open to members and members’ guests, from 5-10 p.m. Tuesday through Saturday. The Yacht Pub is open May to September, from 11 a.m. to 8 p.m. Sunday-Thursday and until 9 p.m. Fridays and Saturdays, and is available to members, members’ guests and nonmember boaters. For more information, visit wycc. com or call 757-930-0561. continued on page 24

Children learn how to sail at the Warwick Yacht and Country Club in this file photo. The Yacht Pub, located at the club, is open May-September. (File photo by Adrin Snider)

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resource list The Tiki Bar at Paradise Ocean Club at Fort Monroe in Hampton serves drinks to customers enjoying beach views. It also offers pools and a private beach. (File photo by staff )

continued from page 22

Kingsmill Marina on the James River is a full-service marina including 15 transient boat slips, which have water and power connections. The James Landing Grill features lighter fare, as well as steak and seafood. Golf and tennis are available along with spa and facial treatments, as well as access to Kingsmill Resort restaurants. For more information, call 757253-3919. Smithfield Station encompasses not only a dining destination, but also a hotel boasting luxury accommodations, retail shopping and a marina. The hotel is open seven days a week for lunch and dinner and serves up a variety of items on their menu. Lunch is served from 11 a.m. to 4 p.m. daily, and there’s a Sunday breakfast buf-

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fet from 8 a.m. to noon. Dinner is served from 4 to 9:30 p.m. Monday through Thursday, from 4 to 9 p.m. Sundays and from 4 to 10 p.m. Fridays and Saturdays, according to its website, smithfieldstation.com. The restaurant can be reached at 757-357-7976. The Barking Dog, located at 4330 Kecoughtan Road, offers casual dining on the deck overlooking Sunset Creek, perfect for warm summer evenings. The menu features hot dogs, burgers, sandwiches and seafood. The eatery is open from 11 a.m. until 9 p.m. weekdays and until 10 p.m. on weekends. For more information, visit facebook. com/thebarkingdogva or call 757325-8352. Captain Chuck-A-Muck’s Sandbar and Grill, at 21088 Marina Road, Carrollton, is a fam-

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ily-owned restaurant and has been featured on “Diners, Drive-Ins and Dives.” The casual eatery offers dining inside or outside on the deck overlooking Jones Creek. The menu offers plenty of seafood, as well as steaks and salads. For more information, visit captainchuck-amucks.com or call 757-356-1005. Paradise Ocean Club, located on Fort Monroe at 490 Fenwick Road, offers a tiki bar and fastserve food bar, as well as pools and a private beach. The tiki bar has a variety of food options, including seafood and burgers, and the snack bar features sandwiches, fries and chicken tenders. The club hosts a Sunday brunch weekly from 11 a.m. to 2 p.m. For more information, visit paradiseoceanclub.com or call 757-317-1234. continued on page 25

continued from page 24

Surf Rider at 105 Rens Road in Poquoson is one of seven Surf Riders in Hampton Roads and is located at Whitehouse Cove Marina. The menu features sandwiches and burgers, as well as seafood. The Hampton Surf Rider is located at 1 Marina Road, near Blue Water Yachting Center, a full service marina with 200 boat slips for rent. For more information, visit surfriderrestaurant.com. Call the Hampton eatery at 757-723-9366 and the Poquoson restaurant at 757-868-0080. Riverwalk Landing in historic Yorktown puts you in easy walking

distance to a variety of restaurants, including Water Street Grille, the Carrot Tree, Duke of York Island Grille, Umi Sushi, Riverwalk Restaurant and Yorktown Pub. And for dessert, there’s even a Ben & Jerry’s. You can also expect to find shopping and events nearby. Check yorkcounty.gov/tourism for more information. York River Oyster Co., at 1809 Yacht Haven Road in Gloucester Point, overlooks the York River and is located at the York River Yacht Haven. The menu offers plenty of oysters, of course, other seafood items, as well as pasta and pizza dishes. The restaurant is open from 11 a.m. to 6 p.m. Sundays, and 11:30 a.m. to 8 p.m.

Wednesday through Sunday. Visit yorkriveroysterco.com or call 804993-7174. Owens Marina in Poquoson at 259 Mingee St., in Poquoson, is right off Bennett Creek and White House Cove. The casual dining restaurant serves breakfast, seafood and burgers, as well as seafood, according to their Facebook page. Outdoor seating is available, as well as inside. Hours are from 6:30 a.m. to 9 p.m. Sunday through Thursday, and 6:30 a.m. to 10 p.m. Fridays and Saturdays. Reach them at 757-8688407. Compiled by Jo-Ann Mahony and PrimeTime staff.

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ver heard two investment gurus arguing about active versus passive investing? Probably not, because most people will walk away, change the channel or turn the page. For many people, the debate between active and passive investing may seem pointless to get involved with, but even the most laid-back investor should have a basic understanding Will Miller of the differences. The heart of the matter in this debate depends on how stocks and bonds are selected for a portfolio (there are other securities, but we will stick with stocks for now). Active investing involves a manager or group of managers who select individual stocks for an investment they manage. These managers believe the stocks they purchased will go up faster in price, earn more and therefore make more money for the portfolio than stocks not purchased. Using a team of analysts, sophisticated computer screening tools and his or her own experience, the manager believes a select group of hand-picked stocks will propel an investment to have a higher return than a benchmark of stocks like the Standard & Poor’s 500. Many active portfolios are judged for success on whether or not they had a better return than the S&P 500 index. Supporters of active investing often argue that there are opportunities to exploit in various stocks that will earn them an extra return. Passive investing is the exact opposite of active investing. A passive investment seeks to replicate an index like the S&P 500 and will invest in all 500 of the companies represented in that index. The pas-

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sive investing school of thought believes there is too much information on stocks for any person or group of people to consistently find stocks that will outperform. Passive investing also costs much less since there are no managers or analysts to pay. “Why pay for something that is unlikely to happen in the first place?” argue fans of passive investing. The million-dollar question for everyday investors is: “Which one is best?” There are fervent supporters for both types of investing who generate a lot of noise for their respective argument. That can make it even harder for an investor

to decide. The first criterion should be which method of investing will work best for your situation. The biggest factor in favor of passive investing is its very low cost. Costs are always important but not the only factor in deciding. Very few of us buy goods or services based solely on cost. Volatility, which means how much and how quickly an investment moves up and down, is also critical. This is even more true for those using their investments as a paycheck in retirement. For those who do your own investing, you may have already decided which method is best for you. If you don’t want to evaluate your options by yourself, hiring the

right person is critical. Make sure the individual you consult with is licensed to charge a fee and can offer you both active and passive options for your situation. At the end of the day, both active and passive investing have their advantages. Tailoring them to your objectives is key. Miller is a financial adviser with 16 years of experience who currently works for Raymond James in Hampton Roads. Opinions expressed are those of the author and are not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. For informational purposes only and does not constitute a recommendation. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market. Index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual

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health & wellness

Yvonne Bailey works out at the Victory Family YMCA in early March. A combination of aerobic workouts, strength training and flexibility exercises can help prevent or improve ailments such as arthritis, osteoporosis and dementia. (Photos by Jonathon Gruenke)

working smarter Staying active is key to staying healthy, which means regular exercise is as crucial as ever, experts say By Alison Johnson

ear of injury can keep many people from exercising as they get older. The irony is, not staying active is about the worst thing they can do for their bodies. A combination of aerobic workouts, strength training and flexibility exercises can help prevent or

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health & wellness Tips to consider to avoid injur y Daniel Ballin, a physical therapist and executive director of rehabilitation for Riverside Health System, offers some steps you can take. Ask for initial guidance from a doctor or trainer. Steer away from exercises that could be risky with a preexisting condition. Gradually increase the length and intensity of workouts. Take the time to warm up, cool down and stretch. “Variety is important, too,” Ballin adds. “If you don’t do the same type of exercise ever y day, you’re not always stressing the same parts of your body.”

continued from page 29

thing active almost every day, she adds: “Consistency, consistency and consistency breeds success.” trainer, steering away from exThe best workouts for injury preercises that could be risky with a vention depend on the person. For pre-existing condition, gradually those with arthritis or in recovery increasing the length and intensity from joint surgery, nonweightof workouts, and taking time to bearing activities such as cycling or warm up, cool down and stretch, aquatics are protective and build says Daniel Ballin, a physical mobility. The water also is a great therapist and Executive Director of place for people with shaky balRehabilitation for Riverside Health ance, as are low-intensity group System. classes like Tai Chi or the YMCA’s “Variety is imBrains & Balance, portant, too,” Ballin which helps build core adds. “If you don’t strength to prevent falls. do the same type of Older adults with exercise every day, brittle bones usually you’re not always Consistency, benefit from including stressing the same some weight-bearing consistency parts of your body.” Some seniors and consistency activities to maintain bone strength, perhaps never stop being breeds success. walking instead of runactive (or beatning. Trainers recoming younger com— Franki Pivarnik, mend keeping a slower community wellness petitors in grueling pace at the beginning director at Victor y events). In general, and end of a walk — say, Family YMCA though, older adults a five or 10-minute should consult a warm-up, a brisker pace doctor to make for 20 to 25 minutes sure they have no exercise restricand another five to 10 minutes of tions based on medical history, cool-down time. said Franki Pivarnik, community Daily walks helped Yvonne wellness director for the Victory Bailey of Hampton recover quickly Family YMCA in York County. from a 2003 surgery to repair a Trainers and wellness coaches heart defect. also can help direct people to the Now 60, Bailey goes to the best classes, teach proper techYMCA five or six days a week for niques for weights and resistance about two hours, taking challengmachines and offer advice if an ing classes, walking on treadmills exercise causes discomfort. “The and riding stationary bikes. old saying, ‘No pain, no gain’ is not true,” Pivarnik says. And intensity is less important than doing somecontinued on page 33

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health & wellness

You don’t have to be afraid of exercise. If you go at your own pace, it benefits ever y aspect of your life. It’s never too late. — Yvonne Bailey After surgery in 2003 to fix a heart defect, Yvonne Bailey of Hampton started taking regular walks. Now she goes to the YMCA five or six days a week for about two hours.

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Yvonne Bailey works out at the Victory Family YMCA, where she takes classes, walks on treadmills and rides stationary bikes.

continued from page 31

Nothing has hurt her heart; in fact, it has only gotten stronger. “You don’t have to be afraid of exercise,” she said. “If you go at your own pace, it benefits every aspect of your life. It’s never too late.” No matter a person’s age, strength training is an important way to rebuild muscle mass criti-

cal for independent living, Ballin says. People lose about 10 percent of muscle mass each decade after age 40, which increases the odds of falls, joint instability and other serious health issues. “I recommend people connect with a trainer when they first start strength training,” Ballin said. “It doesn’t have to be a long-term investment, just a way to have some early supervision.” A healthy diet

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and good sleep habits also contribute to safe and effective exercise, he added. Of course, older adults should consult a doctor if something hurts and use the RICE technique — rest, ice, compression and elevation — especially in the first 48 hours of pain. “Listen to your body,” Pivarnik says. “We are on a journey to better health, and it is a lifelong process.”

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websites such as AARP. There are themed cruises as well, for hobbies including photography, cooking, music, ecology and sports, to name just a few.

A shipâ&#x20AC;&#x2122;s size can be an indication of what the cruise may be like, said one report from USNews.com. Some of the smaller lines carry about 300 passengers, while the larger lines have room for 2,000-6,000 travelers. These megaships may have

several pools, water parks, rock climbing walls and Broadwaystyle entertainment. Midsize ships, such as the fleet from Holland America and Celebrity Cruises, which can carry 1,0002,500 passengers, focus on a continued on page 42

The the 930-passenger Viking Star cruise ship. (Courtesy file photo)

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page 41

travel continued from page 41

more intimate environment. Carole Meacham, a former Hampton Roads resident who says she frequently vacations aboard cruise ships, said she has found Holland America offers “easier to navigate hallways, (which is good for wheelchairs and scooters) and is geared toward seniors with onboard activities, such as novice and experienced computer classes, culinary demonstrations, floral arranging, a movie theater with large seats and different movies daily, blues club with nightly music, a piano bar and main stage entertainment, and, of course, excellent food and service.” Meacham says they have smaller cabins if you are a solo traveler. There is also a special lounge area that is a great place to mingle with others traveling alone, she said. Other worry-free ideas If you’d rather stay a bit closer to home, bus tours are an excellent way to see the area and discover new locations to explore later. Bus tours can take a few hours or be an all-day adventure. Some companies offer one- or two-week motorcoach tours specializing in various areas of the country, such as Tauck Tours, which covers the U.S. from east to west with their multiday itineraries, and also offer tours in Europe and other parts of the world. Many offer senior discounts as well.

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Whether you choose a cruise, bus tour or train travel, the most important tip of all is just relax and have fun. Your church group could charter a bus for a one-day trip to the casinos or a major city venue for a sports event or theater performance. Many tour bus companies are accommodating to the needs of your particular group. Some companies in Hampton Roads offering motorcoach getaway packages and one-day tours include Fun Tours in Virginia Beach, Agape Travel and Tours in Chesapeake and Oleta Tour and Travel in Williamsburg. AAA travel offers its own bus tours to a number of destinations. There are also train package tours with Amtrak working in conjunction with key tour operators. These cover a wide variety of domestic destinations and Canada. Some of their excursions include an escorted 10-day tour from Seattle to Salt Lake City with stops in Yellowstone National Park, Glacier National Park and Jackson Hole, Wyo., along the way for about $4,000. Hotel accommodations are included, as well as transfers between train stations and hotels, 15 meals, sightseeing tours of the parks and escort services. Less extravagant tours include threeday tour packages of Niagara Falls, including two-nights stay in a

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hotel and two admissions to area attractions for less than $150; or a four-day New Orleans package for a few hundred dollars, which includes three nights at a hotel, one dinner, and tours of either the bayou, steamboat jazz cruise or a Hurricane Katrina tour. Check with Amtrak for more tour packages. People 62 and older receive a 15 percent discount on the rail portion of the vacation packages. On cross-border services between Amtrak and Rail Canada, there is a 10 percent discount for passengers 60 and older, according to the Amtrak website. For passengers with disabilities there is accessible seating, bathrooms and bedrooms in at least one car on all trains, and all lounges and dining areas also are accessible. Amtrak also offers an auto train for those who want their automobiles with them at their destinations, but it does have limited locations. For more information, visit amtrakvacations.com since pricing and locations vary for this option. Whether you choose a cruise, bus tour or train travel, the most important tip of all is just relax and have fun.

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Trustees Have the Keys to Your Kingdom Written by: Walt Zaremba

ith so many estate plans centered on trusts, selecting the right trustee is key to creating a trust that works. Implementing a trust can be an indispensable estate planning tool. There are myriad reasons to incorporate trusts as part of your estate plan, including privacy, avoidance of probate, full management of personal finances, monitoring of investments and tax-saving techniques. Selecting the right trustee to execute your plan is critical — maybe even as important as the terms of the trust itself. The first consideration? While it is not uncommon to appoint a family member who is also a beneficiary, if your heirs can’t get along, it is often better to appoint an unrelated third party to serve as trustee. It’s also important to let your beneficiaries know of your choice of trustee before you die. Important qualifications when selecting your trustee: • Administrative skills and knowledge. Your trustee must perform a lot of different tasks, such as safeguarding assets, collections, reinvestment and distribution of income, document interpretation, bill paying and many others. • Investment expertise. Your trustee must implement an investment program that satisfies the requirements of all the trust beneficiaries. In today’s changing and volatile investment environment, this is a big responsibility. • Tax and accounting skills. A trustee is required by law to maintain detailed and accurate records, as well as submit reports to the trust beneficiaries and the IRS. In addition, trustees make decisions as to what course of action will have the most beneficial tax results for the trust and beneficiaries.

• Know what you don’t know. Trustees should be willing to hire the expertise they need to manage the trust professionally. Just “winging it” when making investment decisions, ignoring complex tax rules and failing to meet important filing deadlines is not acceptable. • People skills. As mentioned, trustees must be able to communications with all kinds of personalities. Part of that ability comes from the trustee’s ability to cultivate a warm relationship with both the creator of the trust and thereafter its beneficiaries. Communication among all parties is important so that the stated trust purpose and needs of the beneficiaries are met. • Integrity. The most important qualification for a trustee is to abide by his or her fiduciary duty and keep high business standards. A trustee is expected to be loyal and treat each beneficiary fairly and impartially. While it may appear that I have limited my discussion to the qualifications of a good trustee, these qualities are no less important when choosing the executor of your will. Should you choose to do nothing, it is unlikely the administrator of your intestate estate (no estate plan) will be held to these standards. We’d be happy to discuss these suggestions further. Call our office to schedule a complimentary consultation or click the link below to register for one of our complimentary seminars on this topic. References: Wilmington Business (December 15, 2015) “Selecting the Right Trustee” Reuters (June 16, 2011) “Help! Our executor cost us $129,000”

123 Bulifants Boulevard | Williamsburg, VA 23188 | www.zarembalaw.com

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events calendar The Reset 1 p.m. April 23

Community Group Walk Noon April 20 Newtown, 4301 New Town Ave. Elite Health and Fitness and Coldwell Banker Commercial, Brooks Real Estate is sponsoring a walking group, which meets at noon ever y Wednesday in front of Legacy Hall in Newtown. The figure-eight walking route is 1/2 hour and is open to the public. Details: EliteHealthnFitness.com/Events.

Renova Wellness, 129 W. Virginia Beach Blvd. At The Reset, we’ll look at ever y aspect of wellness. You’ll hear from experts and get biblically based, practical information. You’ll also get tools and tips to help you create the life you want to live. Details: 4hgreset.eventbrite. com.

Peninsula MS Support Group 10 a.m. April 22

VisionWalk 1 p.m. April 24

Virgil I Grissom Librar y, 206 N. Willow Court. We are an Affiliate of the MSF Independent Support Group Network. Activities var y weekly from guest speakers, doctors and other professionals to art, exercise, music, games and ever y once in a while, going to lunch together, bowling or another activity. Hope we will see you there! We will have lunch together ever y week so bring your lunch — we will have coolers to put them in.

Neptune’s Park, Virginia Beach Oceanfront. Please join for a 5K walk with the Foundation Fighting Blindness and help make the world a brighter place for millions of Americans with retinal diseases. Register atFightBlindness.org/ HamptonRoadsVisionWalk.

Family Fun Day & Vendor Fair 10 a.m. April 23 Williamsburg Christian Retreat Center, 9275 Barnes Road. Providing Christ-centered programs, ser vices and retreat facilities in a peaceful setting to encourage fellowship, growth and renewal. Come have fun with a day of free hayrides, zip line, giant tree climb, archer y, slingshot and face painting. There will be a pig roast fundraiser for lunch. Details: 4eventplanning.com/wcrc2016.shtml.

Downsizing Workshop & Market Real Estate Update 3 p.m. May 12 Verena At The Reser ve, 121 Reser ve Way. This is your one stop shop to come and learn ever ything you want to know about downsizing, senior living and the various options and ser vices associated. Free admission and free parking. Details: facebook.com/ events/243567869311181.

Summer Social June 4

Hike for Hospice Noon April 23 Governor ’s Land, 2700 Two Rivers Road. A 2-mile walk followed by a Celebration of Life. Walk to celebrate the memor y of loved ones, in honor of someone or just to support Hospice House. Walk as an individual or form a team. There will be music, food, raffles, silent auction and more. Details: williamsburghikeforhospice.org.

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Elk’s Lodge, No. 366, 95 Tide Mill Lane. Start off summer early with a social and bazaar with some of the greatest local vendors. Each guest receives a free popsicle. Details: 4eventplan ning.com/summersocial2016.shtml.

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