OutreachNC Magazine September 2017

COMPLIMENTARY

SEPTEMBER 2017 | VOL. 8, ISSUE 9

Setting Sail for Retirement Serving the Sandhills & Southern Piedmont

OutreachNC.com 1 | O USEPTEMBER T R E A C H2017 N C |. C OM

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OutreachNC.com | SEPTEMBER 2017

hello, WE ARE YOUR

NEIGHBORS. SEPTEMBER 2017 | OutreachNC.com 3 Sandhills: (910) 215-9700 Triad: (336) 272-4400 www.pestmgt.com

features SEPTEMBER 2017

24 3 Regions: Multiple Retirement Options

by Rachel Stewart

29 Finding the Community That Fits

by Jennifer Webster

36 Setting Sail for Retirement

by Carrie Frye

42 Give with Confidence

by Jennifer Webster

47 Carolina Conversations with Eight-time Olympian and Equestrian J. Michael Plumb

by Carrie Frye

54 Honoring World War II Veteran Series: Carroll Underwood

by Jonathan Scott

58 The Economics of Retiring

Carrie Frye 4by OutreachNC.com | SEPTEMBER 2017

Retire N.C. Issue

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OutreachNC.com 5

departments September 2017

16

The breezes taste of apple peel.

The air is full of smells to feelRipe fruit, old footballs, burning brush, new books, erasers, chalk, and such.

The bee, his hive, well-honeyed hum, and Mother cuts chrysanthemums.

Like plates washed clean with suds, the days are polished with a morning haze.

—JOHN UPDIKE, “SEPTEMBER”

20 advice & health

64 life

10

Ask the Expert

by Amy Natt, MS, CMC, CSA

16

Cooking Simple

by Leslie Phillip

12

Law Review

by Tyler Chriscoe

20

The Reader’s Nook

by Michelle Goetzl

14

Caregiving

by Mike Collins

53

Resource Marketplace Find the resources you need.

18

Tech Savvy

by Dan Friedman

64

Over My Shoulder

by Ann Robson

22

Nutrition

by Laura Buxenbaum, MPH, RD

62

52

Brain Health

by Karen D. Sullivan, PhD, ABPP

Grey Matter Games Sudoku, Word Search & Crossword Puzzles

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Generations

by Carrie Frye & Michelle Goetzl

COVER PHOTOGRAPHY

BY CARRIE FRYE

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magazine extras

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articles

• Shoulder, Knee, Foot, Elbow Pain and Trigger Points

• Nutrition/Weight Loss

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from the editor

S

eptember hath arrived bringing a change of season, and the perfect time to explore the many offerings of our great state as life’s season changes with our “Retire N.C.” issue.

This month, we explore the three regions—Mountains, Piedmont and Coast—the latest trends in choosing a retirement community, the economics of retiring and the importance of making a financial plan, as well as how to make the journey a healthier and happier transition.

We sit down for our Carolina Conversations with eight-time Olympian and equestrian J. Michael Plumb at JMP Farm in Southern Pines to talk about his love of horses, training all ages and the sure footing he found in the Sandhills.

Some prefer wind in their sails and call a boat home sweet home with a home port and a traveling spirit. We meet one Southport couple who has lived on a boat for nearly two decades and gain their expert tips if life on a boat makes your retirement wish list. To provide me with the full experience, David and Haila invited me to spend the night and day aboard the aptly named sailing vessel Traveler with them and Shelly Cat in Deep Point Marina. I hope that I earned my sea legs, as it is a true gift to be able to meet new folks and have them open their homes and hearts to me. It is an experience I will not soon forget and gives me yet another reason to return to my favorite N.C. destination of Southport to visit new friends.

Thanks David and Haila, as this editor is still smiling!

It turns out that I have even more to smile about with the announcement of not one but two National Mature Media Awards for Editorial in a local/state magazine. We strive to provide the best quality content each and every month, so it is a great honor to have our efforts recognized. We have a wonderful group of contributing columnists and dedicated writers, and I can never thank them enough. Showcasing the people and places in our region and across our state is our goal, and I am so grateful to be a part of this team. A special thank you to our publisher, Amy Natt, whose idea to create a start-up magazine eight years ago and passion for older adults makes OutreachNC possible and brings joy to this journey!

As always, this issue is packed with information to help you age successfully, so thank you so much for turning these pages with us. Co-editor Jeeves is ready to take over the desk for his cat nap. Until next month...

—Carrie Frye

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OutreachNC.com | SEPTEMBER 2017

Editor in Chief Carrie Frye | CarrieF@OutreachNC.com Contributing Graphic Designers Stephanie Budd, Nikki Lienhard, Jonathan Scott Contributing Proofreaders Ashley Eder, Michelle Goetzl, Kate Pomplun, Rachel Stewart, Jennifer Webster Contributing Photographers Katherine Clark, Rachel Garrison, Sondra Honrado Diana Matthews, Mollie Tobias Contributing Writers Laura Buxenbaum, Tyler Chriscoe, Mike Collins, Dan Friedman, Michelle Goetzl, Leslie Phillip, Ann Robson, Jonathan Scott, Rachel Stewart, Karen D. Sullivan, Jennifer Webster

Y Publisher Amy Natt | AmyN@AgingOutreachServices.com Marketing & Public Relations Director Susan McKenzie | SusanM@AgingOutreachServices.com Advertising Sales Executive Ashley Haddock | AshleyH@OutreachNC.com 910-690-9102 Advertising Sales Executive Butch Peiker | ButchP@OutreachNC.com 904-477-8440 OutreachNC PO Box 2478 | 676 NW Broad Street Southern Pines, NC 28388 910-692-9609 Office | 910-695-0766 Fax info@OutreachNC.com

www.OutreachNC.com

OutreachNC is a publication of The entire contents of OutreachNC are copyrighted by Aging Outreach Services. Reproduction or use without permission of editorial, photographic or graphic content in any manner is prohibited. OutreachNC is published monthly on the first of each month.

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advice

Our Aging Life Care ProfessionalsTM will answer any aging questions you may have.

Email us your questions! info@OutreachNC.com

ASK THE EXPERT

Safety First When Coping with Caregiving and Dementia

by Amy Natt, MS, CMC, CSA I recently hired a caregiver to assist my mother at home. Mom has dementia and has been experiencing increased memory loss in recent months. She has always kept a gun in her home and is adamant on keeping it now. The caregiver does not feel safe being in the home with a firearm. How can I approach this with my mom so it does not become a huge argument?

You have touched on a very important issue that many families will face. Our population is aging, and people are living longer, which combined with the prevalence of dementia in our 85-plus population (the fastest growing sector) is a cause to address safety and the right to bear arms. Gun ownership often provides people with a sense of safety and independence, so taking that away can feel very threatening and create feelings of vulnerability.

However, guns and dementia are a bad combination, and families should be proactive in removing firearms when they present a safety risk.

According to the National Alzheimer’s Association, the judgment, skills, memory, perception and reasoning that a person needs to safely operate a firearm decline as the dementia progresses, and training they once had can fade away. Those who are experiencing dementia also have difficulty

with orientation and recall and may become fearful if they don’t immediately recognize the person (caregiver) in the home. If you combine this with the increased risk of depression, it is clear that any firearm can create an unsafe environment and safety risk for a person living with dementia.

The Department of Veterans Affairs also encourages families to “get rid of the guns” in a home where someone with dementia is living.

How to do this can be the more challenging part of your question. The first suggestion is to have this conversation with your mom, before the disease progresses, and encourage her to voluntarily allow you to take the gun. You might want to have her physician or another family member present during the conversation for support. You can contact your local law enforcement agency, if you do not feel safe handling the gun. If there is still a great deal of resistance, here are some other suggestions:

Readers may send questions to Natt, an Aging Life Care ProfessionalTM, certified senior advisor and CEO of Aging Outreach Services. She can be reached at amyn@agingoutreachservices.com .

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“ ” Alzheimer’s caregivers are heroes.

—LEEZA GIBBONS

• Remove all ammunition and make sure trigger guards are in place, then lock the gun in a fireproof safe or gun cabinet.

• Keep the keys for any safe, cabinet or trigger guard in a separate location where she cannot access them.

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• Suggest that a family member she trusts store the gun for her.

• Have a family member that she trusts ask to “borrow” the gun and have your mom write herself a note that she has agreed to this.

• Insist that the gun needs to be serviced or cleaned by an outside service and offer to take it in for her.

• Remember to talk to your local law enforcement agency about the firearm removal or transfer, so that you can be sure to address the legalities of the process. It is a conversation as difficult as taking the car keys, but one that is necessary and equally dangerous if not addressed.

ScotlandHealth.org SEPTEMBER 2017 | OutreachNC.com 11 500 Lauchwood Drive | Laurinburg, NC 28352

advice

L AW R E V I E W

Do I Need a Trust?

by Tyler Chriscoe

A

s with any estate planning advice, the best course of action varies from person to person. It is important to talk openly with a professional estate planner about your assets, your family and your desires. There is no “one size fits all” in estate planning.

What is a trust?

A trust is a device to manage property. The owner of property transfers it to the trustee to administer for the benefit of the beneficiary. Generally, the trustee is selected because the beneficiary cannot manage the assets on his or her own. An example is a beneficiary who is a minor.

Will a trust save money by avoiding probate?

One of the reasons you may think you need a trust is that it will save you money by avoiding probate. However, probate isn’t as expensive as you may think. In North Carolina, there is a fee of .004 multiplied by the value of probate assets.

However, these fees are limited to a maximum of $6,000, regardless of the size of your estate. Therefore, merely avoiding probate costs is usually not a good reason to have a trust.

What are the downsides to having a trust?

A major problem is that people don’t fully understand the downsides to having a trust. For example, a trust is required to file annual tax returns for its entire term, which costs both time and money to prepare. Also, trusts may face a higher federal income tax. If earnings are retained in the

trust and there is more than $12,500 in the trust, then it will have to pay at least 39 percent in federal income tax, not including North Carolina state taxes.

When is a trust a good idea?

There are several valid reasons to have a trust. One is when you have a child or relative that is not good with money and needs someone else to look after them. Many parents have children they want to provide for but do not want to give them a one-time lump sum of money for fear that they will immediately spend the entire sum. Here, the trustee would hold the property and disburse it to the children (beneficiaries) in the manner that the parent directs.

Another reason to have a trust is the second marriage scenario. The spouses want to provide for each other while also providing for their children from a prior marriage. A trust can be structured to accomplish this goal.

These are just a few aspects of trusts that should be considered in estate planning. As always, a tailored fit estate plan to meet your unique needs is crucial to ensure that your desires are fulfilled.

Chriscoe, an attorney with Robert S. Thompson, PA in Southern Pines, can be reached at 910-692-2244.

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OutreachNC.com 13

advice

CAREGIVING CAN MAKE LIFE CRAZY!

Balance Caregiving and Retirement with Help from a Therapist

by Mike Collins

R

etiring and caregiving at the same time are like juggling a chainsaw and a loaded pistol. If you think this is overstating the case, consider that retirement and a variety of issues relating to our families are consistently ranked in the Top 10 most stressful events in life.

So, here’s a simple suggestion: You need therapy.

No, really.

If you are smarter than most you’ll meet with a therapist if: • You are retiring in the next six months (even if you are not staring down the barrel of caregiving).

• You can see the caregiving experience coming in the next six months.

• You have just been informed by a doctor or life event that you are now a caregiver.

Why see a therapist if you are retiring? Because, you may have a wonderful idea of what retirement is like— I’m not at work!—but research indicates that at least half of retirees experience a variety of anxieties and stresses, including depression, within 10 months of retiring. Why not identify some of the issues that could cause you problems before they are on your doorstep?

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OutreachNC.com | SEPTEMBER 2017

If you see a caregiver experience coming and you are like most of us, you’ll do one of three things: start planning, resist planning and start worrying, or decide to put it out of your mind (good luck!) until it happens.

A good therapist can help you with all three options.

I’ve said it before in this column, I’ve had an emergency room doc look me in the eye and tell me, “No, your mother isn’t going back to her home. We are admitting her and after a few days she’ll go into a care unit for a few weeks. Then she’ll need some type of 24-hour care, from then on.” It’s like being told you’re taking a physics exam in two hours…and you’ve never had a physics course. If you get the type of news my brother and I heard five years ago, you need to schedule an appointment with a therapist as soon as possible.

Believe me.

Understand that the term “therapist” is most commonly used to describe a counselor. You are looking for the therapist who might be the difference between you maintaining a sense of balance during your experience, and you standing at the corner of heartbreak and depression with your head in your hands.

Here are seven simple tips for finding a therapist who can help.

1

Ask your friends. If you have friends or family who have seen therapists for whatever reason, ask for a name. Simply tell them you’re trying to get ahead of a challenge and are putting together a list of names for future reference. I promise, some may joke with you, but they’ll admire you for thinking ahead.

2

Ask a therapist. You would not call an optometrist and ask about stomach pain. Therapists, like physicians, focus on different areas an issues. Tell whomever you talk with what your challenges are and let them suggest colleagues.

3

Go online and do your research. In some cases, therapists and therapy practices may have websites or individual profiles. You may see comments and reviews. You will probably be bewildered with the alphabet soup of titles, qualifications and the services provided. They will range from licensed clinical social worker (LCSW) or licensed social worker (LSW), to a licensed professional counselor (LPC) or psychologist (PhD or PsyD).

4

Ask if they offer a free consultation, such as a phone call or a brief visit. You’ll get a feel for how they communicate.

Can you envision talking with this person and being very honest about your life, for 45 minutes a week, for at least a few weeks? Granted, this may sound simplistic, but trust your gut. If they are open to a short visit check out their office, appearance and communication style (do they make eye contact?). This isn’t etched in stone, but someone who is careless and disorganized in their workplace and personal life may be the same in relation to the relationship you have with them.

5

Have a list of questions. From a practical point, the first question is, “Have you worked with someone facing the same challenges I’m facing?” Ask them what they think about your situation and how they might help you. Find someone with applicable experience.

6

Don’t settle. Resist pressure to go with the first therapist you see.

Find someone who you trust and with whom you believe you fit.

After a few visits, if you don’t believe you fit, say so. Maybe you don’t fit, or maybe the conversation has moved into areas in which you are not comfortable. It may point to areas you need to explore.

Your Single Source for Events in "The Pines"

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Who pays? Whether you are employed, or not, find out what your health insurance might cover.

In today’s world, with so much helpful information available, utilize all of your resources to better cope with life’s most difficult situations.

Collins is the producer of the video, “Care for the Caregiver,” winner of a National Caregiver Friendly Award. For more caregiving tips, visit www.crazycaregiver.com . ©2017 Mike Collins

LOG ONTO

www.ThePinesTimes.com Contact Sue@ThePinesTimes.com or call 910 639 9909

SEPTEMBER 2017 |

OutreachNC.com 15

COOKING SIMPLE

Tomato Pie

by Leslie Phillip Photography by Katherine Clark

T

omatoes are one of nature’s finest foods, in my opinion.

The unique flavor and the variety of dishes which can be made with them is endless.

I usually make this pie at the end of the summer when tomatoes are most plentiful.

Phillip, chief egg breaker and owner of Thyme & Place Cafe in Southern Pines, can be reached at leslie@thymeandplacecafe.com or 910-684-8758.

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OutreachNC.com | SEPTEMBER 2017

Ingredients • One homemade or frozen pie shell • 3-4 large tomatoes, (featuring White Oak Farm Mountain Merit tomatoes) sliced, and drained in a colander for 15 minutes

Home Care for a Better Quality of Life

• 2 tablespoons Dijon mustard, plain or grainy style • 4-5 fresh basil leaves, chopped thinly, or 1 tablespoon dried basil • ¼ cup Parmesan cheese • ⅓ cup Panko bread crumbs, may use regular if that’s what you have on hand

Directions

Preheat oven to 350 degrees. Remove pie shell from freezer and rest at room temperature for 15 minutes. If using a homemade shell, roll out and place in glass pan.

Spread mustard on the bottom dough of the pie pan and sprinkle with bread crumbs.

Place sliced tomatoes in a circular pattern in the shell, trying to fill the voids with pieces of tomatoes. Sprinkle with basil, bread crumbs, Parmesan cheese. Add a second layer of tomatoes, basil, bread crumbs and Parmesan cheese. Top with a third layer, adding the remaining basil, bread crumbs and Parmesan cheese. For a crispy top to your pie, add even more bread crumbs and cheese, and dot with butter.

Bake for 30-45 minutes, depending on the juiciness of the tomatoes. Enjoy!

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advice

T E C H S AV V Y

Tips to Avoid Common Credit Card Scams

by Dan Friedman

T

hese days, scammers are using a variety of tactics to obtain users’ credit card information. Below are a few methods they use, as well as tips to avoid them.

Skimming Skimming occurs when a thief uses an electronic device called a skimmer to steal your credit card information. Skimmers are made to look like regular card readers, and they snap on top of existing ones at places like ATMs, gas pumps and cashier stations. The only way to truly tell if a skimmer is being used is to gently pull on the card reader. If it doesn’t pop off, odds are good that it’s not a skimmer.

Phishing Phishing is when someone obtains your credit card information by disguising an email, message or website as legitimate when it’s actually not. Look for the following signs before clicking a link or typing information: • Emails asking for sensitive information: Banks will never send emails asking you to respond with passwords or other personal information.

• Misspelled URLs/slightly altered logos: Phishers re-create websites and change elements you might not catch at a glance.

• Nonsecure websites: Only enter sensitive information on a website if its URL begins with https://.

Public Wi-Fi Networks If you’re using the Internet through a public Wi-Fi connection that doesn’t require a password (like one at a coffee shop or store), you’re probably using an unencrypted network. This makes it possible for someone to see the websites you visit and even the information you type into certain forms, including credit card numbers. To stay safe, use only encrypted networks (those requiring a password) when entering sensitive information.

Spyware Spyware is software that gains information about your computer activity without your knowledge by making its way onto your computer when you download harmful software or visit attack pages. The best way to prevent and eliminate spyware is to use antivirus software and avoid clicking links and downloading files you can’t trust.

Even when taking all of these measures, there’s always a risk that your credit card information could still be stolen. It’s a good idea to check your bank account regularly for any unfamiliar or suspicious activity.

Friedman is an instructional designer with GCFLearnFree.org, a program of Goodwill Community Foundation and Goodwill Industries of Eastern North Carolina Inc. For more information, visit https://www.gcflearnfree.org/thenow/ .

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OutreachNC.com | SEPTEMBER 2017

CHEF'S FEAST

at P I N E H U R S T

Tuesday, October 24, 2017 | 5:30pm – 8pm Pinehurst Members Club Join the Food Bank for the second annual Chef’s Feast at Pinehurst.

Enjoy an upscale evening of food featuring local chefs and their signature dishes.

Proceeds will provide food for over 41,000 food-insecure individuals in the Sandhills area.

Purchase tickets for $60 (ends 10/1) at chefsfeastnc.org and Food Lion stores in Moore county.

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OutreachNC.com 19

life

THE READER’S NOOK

“A Man Called Ove” and “Marshall: A Statesman Shaped in the Crucible of War”

O

Book Reviews by Michelle Goetzl

ve is a 59-year-old curmudgeon. He has staunch principles, strict routines and a short fuse. He lives a very rigid, structured life and expects the rest of the world to run the same way.

This is how Fredrik Backman’s sleeper hit, “A Man Called Ove,” begins. As this surprisingly endearing book unfolds, you come to realize that Ove’s heart isn’t two sizes too small but rather quite amazingly large.

It is easy to judge a book by its cover. Those around Ove have decided that he is a heartless, old grump. His wife, Sonja, had been the soul of the couple, but her death six months earlier left Ove utterly alone.

Backman slowly allows readers to get to know Ove by taking them back in time to watch him develop into the man he is now. By alternating between the past and the present, all of Ove’s idiosyncrasies begin to make sense, and the man inside comes to life. Ove is completely heartbroken over his wife’s death and at the same time is being confronted with the idea of no longer being relevant.

The final straw for Ove seems to come when he retires from work. As his new neighbors shake up his life, they won’t allow him a moment of peace. One by one, uninvited guests start coming into his life and take up residence in his once orderly existence. Slowly the angry man next door becomes the kind-hearted soul that only Sonja had been able to see before.

“A Man Called Ove” is a charming novel that gives us an escape from the noise of the world around us. While Ove’s prickly behavior and rigidity start out as annoying and exhausting, he slowly wins the reader over and by the end, he just makes you smile.

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ne of Pinehurst’s most celebrated residents, Gen. George C. Marshall, will be honored in The Given Tufts Fall Colloquium on Sept. 21 in the Cardinal Ballroom of the Carolina Hotel.

The program features presentations by two speakers, each of whom will focus on several aspects of Marshall’s life. Rachel Thompson, a Marshall scholar and author of “Marshall: A Statesman Shaped in the Crucible of War,” is one of the distinguished speakers.

Thompson’s biography follows Marshall from childhood adventures through two world wars and the rebuilding of Europe. Thompson weaves aspects of Marshall’s personal and private life into the patriot’s record of enormous contributions to America and the world.

“One purpose for writing this new biography is to help the reader appreciate the energy, commitment and dogged determination that it took for him to accomplish all that he did during 50 years of service to this country,” Thompson says.

As Major General Clair F. Gill, U.S. Army, Retired said in her review of the 2014 book, “Thompson’s biography of Marshall should be on every young military officer’s reading list. His is a life that the finest should aspire to follow. Even in the six decades since his amazing contributions, Marshall remains relevant.”

For more event information, visit www.giventufts.org.

Goetzl writes an online blog—“Books My Kids Read.” She loves books and sharing that love of reading with children. She can be reached at booksmykidsread@gmail.com .

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health

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NUTRITION

Reasons to Add Yogurt to Your Diet

A

by Laura Buxenbaum, MPH, RD, LDN

ccording to the 2015 Dietary Guidelines for Americans, we’re consistently falling short on our intake of vitamin D, calcium and potassium. Nutrition research shows the easiest way to add the health benefits of dairy to your diet is to enjoy three servings of dairy foods daily.

A commonly cited reason for hesitation when it comes to dairy foods is lactose intolerance.

People who are sensitive to lactose often avoid milk and assume all foods made from milk contain equal amounts of lactose. This is where yogurt saves the day. Here are the top five reasons why you should eat more yogurt, whether you are sensitive to lactose or not.

1

Lactose Free The production of yogurt and its pourable cousin kefir involves the fermentation of milk using healthy bacteria. These bacteria break down the naturallyoccurring sugars in milk (lactose), making yogurt more digestible for lactose-intolerant individuals.

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2

Helps Digestion and Fights Infection Both yogurt and kefir are rich in what are known as probiotics which are the friendly bacteria that promote good digestion and boost the immune system, fight infections and counter harmful bacteria in our stomach and intestines that may make us sick. Think of your intestines as a large parking lot. The more spaces filled with good bacteria, the less room for bad bacteria.

3

Builds Better Bones Many in our country suffer compromised bone health due to inadequate intake of bonebuilding calcium. Research indicates that probiotic-rich foods like yogurt enhance absorption of calcium and other minerals.

4

Prevents Kidney Stones Calcium supplements are a common culprit in the formation of kidney stones, yet many women use supplements to meet their calcium needs. The calcium found in dairy foods, like yogurt has been identified as a protective factor against the formation of kidney stones.

5

Accessible and Acceptable While other types of food with probiotic value do exist, dairy products, such as yogurt and kefir, are the main sources of probiotics in the American diet, with yogurt being the most popular. Yogurt is readily accessible, inexpensive, acceptable across cultures and religions, and versatile to suit most taste palates.

Flavored yogurt can be a sweet treat for all ages that provides highquality protein and necessary vitamins and minerals.

So how do you get more yogurt into your daily diet to promote optimal health? The simplest way is to build your bowl backwards, whether be it a bowl of cold cereal, hot cereal, or yogurt.

Start with heart-healthy nuts that fill the cupped palm of your hand, then add a plentiful amount of fiberrich fruit, like berries. Add yogurt or kefir and top with a small quantity of raw oats, cooked oats or cold cereal of your choice. This combination will leave you feeling full and satisfied with the vitamin D, calcium, and potassium that are too often lacking in our diets.

Consider these other easy ways to add yogurt to your diet: • Use yogurt in place of sour cream in recipes and when serving meals.

• Top whole-grain frozen waffles with a dollop of yogurt, fresh berries and a drizzle of honey.

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Buxenbaum, MPH, RD, LDN, assistant director of nutrition affairs of the Southeast United Dairy Industry Association, Inc., can be reached at 800-343-4693 or lbuxenbaum@sedairy.org .

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Multiple Retirement Options

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ith diverse geography and old Southern charm, North Carolina is a state with something for everyone, especially retirees. Here’s a closer look at the three distinct state’s regions to call home sweet home.

The Mountains

With breathtaking scenery and winding roads through the Blue Ridge Parkway, there are both mid-sized and small towns that appeal to today’s retirees with affordably priced dwellings. The higher elevations actually offer mild weather throughout the year, and with multiple lakes and state parks peppered within the mountains, it makes a perfect locale for those who love hiking, biking or running to stay fit. Asheville, one of the mountain region’s stand-out cities, also has an eclectic and artsy vibe for retirees looking for a mix of charm and cosmopolitan sensibilities.

The Piedmont A plateau that stretches as far south as Alabama and up through New Jersey, the Piedmont takes up 300 miles of North Carolina. Cosmopolitan cities such as Charlotte, Raleigh, Durham, and the Triangle region offer big-city living and culture for those wanting music, art and fine dining to factor into their schedule, as well as a wide variety of older adult apartments and communities. Other cities nestled within the foothills include Greensboro, Winston-Salem and High Point. These cities are tech-savvy and feature fabulous getaway options, including Pinehurst Resort, vineyard tours or pit-cooked barbecue.

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The Coast Is the ocean calling? The North Carolina coast is picture perfect for retirees who want to kick back on the beach or a short drive further inland to hit the links for a game of golf. Retirement living options abound throughout this region, with retirement communities, traditional standalone homes, and RV communities up for consideration. Water-based activities for coastal lovers include boating, paddling, diving and fishing. The small beachside towns can be the picture perfect location to enjoy sun, sand and seafood.

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Ready to Make the Move?

If you’re considering putting down fresh roots, the following steps can ensure you’re ready.

1. DO YOUR RESEARCH. The first step to finding the best place to retire is to have a look at all that’s available.

Sites like TopRetirements.com and Eretirements.com are a good place to start your search. If you’re looking at retirement communities, request materials or an appointment to discuss in depth.

2. TAKE A TRIP. Once you’ve settled on a couple of locales, it’s time to see it with your own eyes. Book a weekend away in the city or region to get a feel for what it’s really like. If you’re planning on moving somewhere you’ve visited many times, take a harder look at amenities, such as healthcare options, public transportation, pet care and grocery shopping. Is everything within close distance to where you want to live?

3. ASK FRIENDS. Many of your other friends may be considering moving or have already moved. Pencil in a coffee date to discuss how they made the big move or what they wished they’d done differently.

4. CONSIDER YOUR FINANCES. Retirement often means living on a tighter budget. Can you live comfortably in your new town without dipping into your savings?

Will you be selling your other home and can you put that toward your expenses? Does the city you’re moving to have second career or volunteer opportunities?

5. DOWNSIZE YOUR DWELLINGS. Moving means packing, so now’s a good time to declutter your current home sweet home. Clean out your attic or basement for a start and look for ways you can streamline your style if you’re wanting to move to a smaller place.

SEPTEMBER 2017 |

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Finding the

Community That Fits

by Jennifer Webster Photography by Rachel Garrison, Mollie Tobias and courtesy of Scotia Village

H

ousecleaning seems like too much â&#x20AC;&#x201D; not just on Monday, but every day. Or maybe your mug gets cold in your hands as you think about how you used to share a pot of tea with your wife. Sometimes, we decide itâ&#x20AC;&#x2122;s time to seek community. But where? With whom? How to choose, pay and make the move? Luckily, there are a host of experts to help out.

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What are the options?

Whether to stay in your existing home or move is often the No. 1 question to deal with when it comes to planning for your second 50. The possibilities are nearly endless depending on your interests, wants, needs and goals, or in the event of an unanticipated health crisis. Options range from choosing a home in a neighborhood subdivision to the other end of the care spectrum as needs change.

• Independent Living: These can be 55-plus neighborhoods with active community groups, such as a Del Webb community, with planned neighborhoods, cottage-sized homes and a common clubhouse that may offer everything from a fitness center, restaurants, shopping, chapel and activities that are surrounded by lush landscapes.

While independent living may be a perfect option depending on your stage of life by providing amenities, activities, meal plans, no maintenance,

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and safety and security features, the one thing missing is any aspect of health care.

• Assisted Living: When your loved one is having trouble coping with the activities of daily living, such as dressing, bathing or eating, the next level in the continuum of care is assisted living.

• Memory Care: These communities provide specialized facilities and dementia-trained staff to serve the needs of their residents. Individuals must have a primary diagnosis of dementia or Alzheimer’s disease.

• Skilled Nursing Care: Skilled nursing care facilities provide both long- and short-term rehabilitation services and care for those with more serious health concerns. Nursing staff is available around the clock, and therapy services are provided on-site.

• Continuing Care Retirement Communities: Some may choose the option that provides the complete continuum of care in a continuing care retirement community (CCRC), meaning all levels of care are available on one centralized campus.

What questions should I ask?

Maybe you—or your parent or another older adult you love—feels lonely at home, or is having trouble managing day-to-day affairs. Maybe you just want to downsize.

Do you talk to a social worker? A Realtor?

Luckily, the conversation often comes to you. In the Sandhills, venues from churches to hospitals to the chambers of commerce may have information about retirement communities. Sherri Williams, facility marketer at Southern Pines Gracious Retirement Living, notes that her job is to seek out people asking just such difficult questions.

“I get to know the direct inquiry base, and I also make connections with different organizations that have ties to what we’re trying to do for older adults,” she says.

“I develop programs and events to invite people to see our community.”

If you haven’t made a connection with someone, seek out a professional who works with older adults. Realtors, social workers, care managers and many other professions offer specialized coursework and certifications in helping aging adults.

“Hire an Aging Life Care Professional™ to help you navigate the process,” advises Jennifer Tyner, lead care manager at AOS Care Management.

Tyner’s own experience—almost 20 years working with older adults, including Alzheimer’s care—reflect the depth of knowledge of the aging life care profession.

“We help with appropriate level of care for placements,” she says. “We also find financing options for different levels of care.”

Because they work directly for their clients or family members, Aging Life Care Professionals can stay with clients as they move between different settings, focusing on what best meets the needs of the individual at all times.

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Security, independence or both?

People seeking retirement living try to balance the amount of independence they want and the level of care they need. These aren’t neatly arranged steps; some people go for a long run every morning but want to eat meals in a communal setting or need medication reminders. Others may use a wheelchair but eagerly volunteer as a computer guru at their church.

Most people have common sense regarding their own needs and abilities, notes Julie Tampa, marketing director at Penick Village, a life plan community in Southern Pines.

“It’s usually pretty straightforward,” she says. “Most people recognize when they need some assistance.”

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However, people may need reassurance that they’ll find the help or freedom they need. In those cases, says Norman Clingerman, director of sales at Scotia Village, a life plan community in Laurinburg, just ask! Often, you’ll be pleasantly surprised.

“If they want to be independent and worry about restrictions, I tell them, ‘As long as it’s safe and legal you can do it,’” he says. “Whatever you do in your home now, you can do it here. People live here and work full-time. We also have lots who love to volunteer. You can be as busy as you want, or not busy at all.”

In fact, community life may help many people become more independent. For one thing, the stimulation of company, activities and wellness programs may encourage them to become more active, improving their health.

For another, support and companionship may give them courage to do things they might not otherwise try.

Perhaps they felt hesitant to volunteer alone but happily join a group of volunteers.

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What are potential residents looking for?

Today’s boomers and lost generation adults seek a range of services in any retirement setting. Access to health care is a must. The ability to stretch one’s wings—a jog through a green space or a stroll into town—is also important to many. Some want cozy settings; the “tiny house” movement applies to retirement settings, too. Others, of course, want gracious interiors with plenty of space, along with being pet-friendly.

Opportunities to volunteer are also highly desirable as well as access to cultural opportunities and places of worship. Location still matters. People retire to Southern Pines for the natural and social scene as much as they do for the amenities found in any one assisted living or retirement community, Tampa notes.

Up-to-date technology is a must for many older adults.

So is self-determination, such as sitting on the grounds or building committee for a community.

“People ask for Wi-Fi most often,” Tampa says. “Our residents love that our IT director and his staff are right here to help them when they have issues ...We did some focus groups recently, and more people said having access to our decision-makers is more important than anything else we asked about.”

CONTINUED PAGE 34

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Most retirement communities are paid for privately, through savings, an insurance policy or the sale of a house. It’s wise to plan ahead for the expense, and also to leverage existing resources wisely, advises Kay Beran, CRS, CRB, certified residential broker and member of the Certified Residential Specialists. As a Realtor who focuses on moving older adults, she encourages them to think about their current home as well as their future residence. They may want to get their house inspected, or make changes that increase its value, such as modernizing HVAC systems.

“I advise people to make a plan for themselves,” she says. “Start early in the process—some clients may need two years to sell a home. My clients and I discuss their situation and timeline, and they methodically take care of what needs to be done. We pace ourselves financially to pull together a good house to sell by the time they’re willing to move.”

She encourages people to form longstanding relationships with Realtors who understand their goals and plans.

“Make sure you have someone you can call on a regular basis, because circumstances can change rapidly, especially with health issues,” she says. “If we already have a relationship, we can help clients act quickly.”

Finally, how does it feel?

Every expert on communities for older adults advises visiting and getting to know a potential new home. Two communities with identical amenities may differ in the attentiveness of the staff or the camaraderie of the other residents. And, needs may change.

“Aging Life Care Professionals offer advocacy in the community to ensure clients are receiving the quality care initially promised,” Tyner says. “We educate families on realistic expectations for an older adult living in a care facility, and we can provide resources and activity planning to ensure quality of life.”

In the end, though, the decision-maker is the person who is going to live in the community, along with his or her close friends or family. That’s why “feel” is so important. Professionals who value long-term relationships spend their time educating their potential clients and encourage everyone to visit potential communities early and often. Finding a community takes time and careful selection—and it’s worth it.

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Setting Sail for Retirement

by Carrie Frye

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Photography by Katherine Clark and courtesy of Haila MacKay

H

eading toward the Bald Head Island ferry terminal in Southport, as Deep Point Marina comes into view, 82 slips with boats of all sizes and kinds punctuate the docks along the mighty Cape Fear River. As the setting sun spreads its colors across the sky, most visitors are returning from a day trip or vacation visit.

For Haila MacKay, David High and their feline companion, Shelly Cat, however, the marina slip where sailing vessel Traveler docks is simply home sweet boat.

Having met in Southport in 1999, life on the water was their plan from the very beginning. High, a North Carolina native, grew up in the commercial fishing industry and as a rigger, had already made his home on a boat. It was a larger transition from land life for MacKay, a freelance writer and native of the Lower Hudson Valley in New York.

“I was just happy to have a beach in my life when I came to Southport,” MacKay says. “I had never been on a sailboat, but we’ve been doing this for 18 years now, we work as we need to and are enjoying this life.”

Their boating life is aboard S/V Traveler, named for Robert E. Lee’s favorite battle horse, a 1971, a 37-foot FinnRose with classic lines and one of only 25 of its kind in existence. Built in Finland with exquisite teak and mahogany harvested from South America, the sailboat’s aquamarine accent color was MacKay’s choice.

The positives of being a live-aboard—sunsets, sunrises, dolphin sightings, freedom, sailing on the open water—make it sound idyllic, but there is plenty of work involved, too, and a few trade-offs to consider.

“The No. 1 consideration for anyone thinking about retiring to a boat,” High says, “is weather. When living on a boat, you are at the mercy of the weather, and schedules don’t work or matter.”

Back inside and out of the weather, closet space and storage space in general are at a premium. The couple has a shelf organized with a few favorite books, and another where they’ve tucked a small 12-inch TV. The dining table converts to a queen sleeper for guests.

A compact kitchen provides a three-burner stove, but the refrigerator is vintage and more of an ice box, so MacKay often orders meat at the grocery store and asks the butcher to flash freeze her selections for longer storage life.

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“We are at the forefront of green living with two small solar panels and a wind generator,” High says, “so we have two sources of alternative energy, and the whole boat runs Despite the small space, cooking is still a joy for MacKay, off a drop cord.” like making a fresh batch of conch fritters.

The work of the boat does not diminish the couple’s first Counter space is limited, so rather than occupying what love and the tie that binds them, which is travel. they do have with a coffeemaker, High makes his own special “The traveling part is what hooks you,” MacKay says. blend of a strong “cowboy coffee” each morning on the “We stick to the ICW (Intracoastal stovetop with espresso.

Waterway), because going offshore is Once coffee drinking concludes, round-the-clock work, and someone maintenance and upkeep, not unlike always has to be at the wheel.” the responsibilities of a house, are constants on a boat and top the “It’s about a 10-day trip to St. Augustine (Florida),” adds High couple’s to-do list. regarding one of their favorite ports “If your career is not anything of call. mechanical, it is worth taking some Their trips have been up and down classes, as there always seems to be the East Coast, having gone as far something that needs attention that’s —DAVID HIGH south as the Bahamas. A stay at the mechanical,” High says. “Like my Gangplank Marina in Washington, D.C. allowed as many Grandpa said, ‘There ain’t no Ace Hardware in the middle museum visits as possible, while the boat was anchored with of the ocean.’” a view of the Washington Monument.

Both MacKay and High are handy and utilize their skills “We got our metro passes and spent a good month there,” on the boat, whether it’s working with canvas, sanding and MacKay says, “and we could have stayed longer.” applying new paint or varnish, tightening up screws on the boat’s wind generator, or whatever needs tending.

“We go somewhere, and if we like it, we stay awhile,” High adds.

They do appreciate that life aboard their sailboat is also a CONTINUED PAGE 40 greener lifestyle.

CONTINUED FROM PAGE 37

“A perfect day on the water is 75 degrees and the wind at 10 to 15 knots.”

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Retiring to a Boat Travelogue Tips from the S/V Traveler • Take a class on safe boating procedures at your local community college or through the U.S. Coast Guard Auxiliary, or take sailing or boating lessons to gain experience, knowledge and an understanding of the different types of boats to determine what type of boat is the best fit.

• Getting mail can be a challenge with no physical address for live-aboards, so enroll in a mail forwarding service for boaters.

• Consider your spouse or partner’s feelings and comfort when choosing a boat, as sailboats are not flat boats and create a different boating experience from a motorboat.

• Use boating resources like Cruisers’ Net, www.cruisersnet.net , for helpful advice, tips and to connect with other boaters and services.

• Don’t fall into the trap of storing all of your belongings once you make the leap to retire to a boat. If planning for the long-term, downsize accordingly to avoid paying unnecessary fees.

• Consider your pets thoughtfully before making the move to a boat with a pet who may need room to run. “Dogs are not as surefooted as cats, so it can be a major problem that is unfair to the animal when it is not a good fit,” High says.

• Marina facilities are important and varied, so check out ratings and reviews, and look for amenities, such as a pool or laundry facilities.

• Use local library resources, advises High, who’s a fan of Hemmingway and reading in general.

• Three favorite marinas for the S/V Traveler are Port Royal Landing in Port Royal, South Carolina, Gangplank Marina in Washington, D.C. and Boot Key Harbor Anchorage in Marathon, Florida.

• Purchase tow insurance. “BoatUS is the best $150 a year you will ever spend,” High says, “and at some point, you will need a tow.”

SEPTEMBER 2017 |

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CONTINUED FROM PAGE 38

One such trip led to work at a marina in St. Augustine for two years until Southport finally called them back home.

“Sailboaters tend to be free spirits,” High says. “When we sailed down to Powell Cay in the Bahamas, it was like being on your own private island, or at least, we owned it for a week.

You get to travel with your own home, on your own budget, and everyone sees the same sunset.”

Another trip to the Bahamas included a call for extras for the filming of “Pirates of the Caribbean 2,” for which High was quickly chosen. Unfortunately, hurricane season had other plans, so his screen debut as a pirate will have to wait.

Until then, High is content with his role as captain with the couple’s Siamese cat, a rescue from one of their dockings at Southport Marina, as his chief navigator.

What has changed as the couple has spent more time on the boat is the tempo. They’ve slowed down a bit and are pondering their future goals.

“We are still going to do the Great Loop,” MacKay says, “and start in Florida, go up the East Coast and up the Hudson River, across the Great Lakes and down the Mississippi River into the Gulf of Mexico.”

However, on which boat their travels lead them along the Great Loop or back to the Bahamas remains to be seen,

since they know aging in place on a motorboat can make life on the water less of a physical endeavor.

“After 18 years on a boat, a motorboat is less work, and our sailboat has a six-foot draft, so with the next boat, I would like to have a two and half foot draft, a power boat with a flybridge (open deck above the main cabin),” High explains. “It’s just the natural progression to change boats to fit your needs.”

An interior that offers a bit more space with a larger refrigerator tops MacKay’s kitchen wish list.

Regardless of the type of boat parked in the slip or anchorage, a constant for this boating couple is the sense of community they have found among their fellow boaters.

“You’re not bona fide unless you have a boat card,” High says offering his own for Traveler.

“We have made so many good friends through boating,” MacKay adds. “I keep two books of boat cards, one for marinas and one for people.”

Setting sail as a lifestyle is a decision both MacKay and High are happy to have embarked upon, sharing a love for the water and letting the beauty of the sunrises and sunsets outweigh any passing storms.

“I do love the life,” High says with a quick grin.

“He’s my anchor,” MacKay adds. “As long as we can travel, we’re happy.”

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GIVE WITH CONFIDENCE

by Jennifer Webster

Whether it’s a one-time donation to your alma mater or a trust to support your favorite animal rescue society, make sure you’re giving wisely.

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If you’ve been hardworking and lucky enough to enter your Second 50 with a little extra money “to lend and spend,” you know the pleasure of being able to give to a good cause.

Sometimes, the cause is as simple and important as providing for family. Other times, you may have the wealth and inclination to give to something larger than yourself and your immediate kin. But, how do you choose? And, how best to steward your resources and give as wisely as possible?

Selecting a Charity Hundreds of organizations do good work! Some do their work on a large scale—think hospitals, religious organizations and universities. Others serve very specific needs. Here at OutreachNC, we’ve covered groups as unique as The Bicycle Man Community Outreach, an organization that donates bikes to make a difference in the lives of community members in the Fayettteville area, and the Food Bank of Central and Eastern North Carolina.

As you evaluate where best to give, one of the first things to consider is how much of its donations a group spends on its mission. According to Charity Navigator, a group should spend at least two-thirds of its funds on the mission it exists to fulfill. (Charity Navigator also ranks a lot of large charities on its website, www.charitynavigator.org.)

Other aspects to consider include the financial health of the organization, whether your gift will be tax-deductible, how effective the organization is at fulfilling its mission and, of course, how nearly that mission matches your own values and purpose for donating your funds.

If you don’t know the answers to these questions, do some research! Look at the organization’s own website, of course, but also use independent evaluation services. Also, read reporting about the group by reputable news sources and accrediting bodies. For instance, you can see how a hospital is doing in terms of patient safety by visiting The Leapfrog Group website, www.hospitalsafetygrade.org.

Nothing beats a personal investigation, adds Robin Nutting, CLTC, financial associate with Thrivent Financial.

“Follow your heart,” she says. “Give your money and time to the cause that’s the most important to you.

For a local charity, you can visit and participate in their work hands-on, or see what kind of ‘feel’ you get by visiting and asking questions.”

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SEPTEMBER 2017 |

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Overseeing Your Gift

Some organizations are set up to help you navigate the giving process; think about universities or hospitals that have foundations devoted to fundraising. Other times, you may need assistance.

Mia Lorenz, an attorney with Lorenz & Creed Law Firm, PLLC, helps clients make these initial contacts and set up giving plans, if necessary.

“The first thing I ask is if you’re comfortable talking to the charity or organization to which you want to donate,” she says, noting some donors prefer to remain anonymous. “If not, I can reach out on your behalf. I can help identify the aspects of your charity you wish to support, and find out whether you can direct the use of your funds or if all giving goes to the general fund.”

Planned Giving

You can set up your gift in a number of ways. A one-time donation or cash gift is simple and may be tax-deductible, if the recipient is an eligible entity. Ongoing generosity may take the form of a trust or planned giving.

“Estate planning suggests documents to be activated upon death,” Lorenz says. “But a planned giving course of action can also be initiated while you’re alive.”

For instance, Nutting suggests creating a “bucket of generosity” savings account into which you place a few dollars every pay period.

“At the end of the year, you may have several hundred dollars to give away,” she says. “Ask your human resources department if your company can provide a match, which will increase the impact of the gift.”

Sometimes, people with large taxable estates plan their giving so as to alleviate tax burden; they may make donations during their lifetime with an eye to reducing estate taxes, and then leave more to their favored charity when they die. A planned gift can also refer to a donation made upon death as part of a will.

“If your planned giving is to be triggered by your death, you need to make sure your estate planning documents are in order early,” Lorenz says.

“Those include your primary will or your trust.”

It’s also important to have an executor who understands your wishes and has the ability to carry them out. He or she should be honest, organized and possess good communication skills, but an executor need not be a legal or financial expert, Lorenz says.

Setting Up a Trust

A trust, Lorenz explains, is a particular kind of planned giving, one designed to hold assets while you are living and smoothly transition their administration to a trustee.

“Once a trust is signed, during your lifetime, you’re the trustee,” she says.

“You’re in charge. During your lifetime, it’s a way to manage assets. You name a successor trustee in the trust document, and they take over when you become incapacitated.”

A trust contains provisions similar to a will, directing the use of funds.

However, a trust does not go into probate upon death. Your trustee begins, or continues, to administer your trust without interruption.

“There is a streamlined procedure for when you pass away, in that you don’t have to go to the courthouse for things in the trust to be carried out,” Lorenz says. “You need a death certificate to act as successor trustee, and beyond that, you have to do very little except keep good accounting and do what the trust says.”

Excellent trustees are essential. Because their work is ongoing, they require more dedication and skill than executors of a will. In fact, Lorenz suggests identifying several trustees so as to distribute the burden—for example, you might select a financial expert to oversee your trust’s funds and a person with a background in law to address the legal aspects of your trust. Or, a single relative may be appointed as trustee with the understanding he or she will seek out the appropriate professional help when necessary.

As an alternative, Lorenz suggests identifying a corporate trustee, such as a bank or trust company. These groups will not have a personal stake in administering your trust and can carry out your wishes for a regular fee.

Too Good to be True Plenty of scammers pose as charities. They may approach you by mail, email, phone call or in person. Sometimes, they’ll spend time building a relationship. In the case of any charity, learn all you can before giving.

“Perform your due diligence and research the foundation,” Nutting says.

“If you’re not computer savvy, give the task to a younger family member and have them check into it. When it comes to your parents, do your part in protecting them. Look through their mail if necessary. Make sure they aren’t being taken advantage of by scammers who know how to tug on heart strings to open purse strings.”

There’s nothing wrong with being skeptical when it comes to giving. Research and planning simply demonstrate good stewardship of your resources— meaning more goes to a mission you wish to support.

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CAROLINA CONVERSATIONS with Eight-time Olympian and EQUESTRIAN J. MICHAEL PLUMB

by Carrie Frye | Photography by Diana Matthews

I

n equestrian circles, J. Michael Plumb is well-known for his success in both team and individual eventing, capturing bronze, silver and gold medals in the Olympics on a ride that lasted from 1959 to 1992. He was also the first equestrian inducted into the U.S. Olympic Hall of Fame.

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Plumb, 77, is still dedicated to horses and riders, making his home, stables and training facilities amid towering longleaf pines off May Street in Southern Pines’ horse country at JMP Farm.

A Long Island native and the grandson and son of horsemen, Plumb has carried on the family tradition, excelling as a both a rider and trainer, before settling in North Carolina.

Inside the JMP Farm barn office, the dark wooden walls layered with tack—bits, bridles, halters, reins—Plumb discusses staying in the saddle and providing skills to students of all ages.

ONC: Tell us about your JMP Farm.

JMP: I bought this place in 1999. I have 10 acres

here, and I run a boarding stable. I teach people.

I train horses; that’s what I do. Prior to that I was involved in the Olympic games, and I was lucky enough to make my living while I was allowed to be an amateur training horses. So, that’s what I have done all my life … train horses.

What do you enjoy most about training?

I enjoy the horses. I like being around them. I like trying to figure out how I can make them understand what I want to do, and I am finding that I have to be part of their brains, figuring out how to be friends with them. It sounds a little corny, but it really makes a lot of sense by being able to set the rules but also have them be a part of it. It’s the only way it’s going to work out between me and the horses, and it also works with the kids and grownups, of which I work with all ages right now from age 12 to 71.

What’s an average day on the farm for you?

It takes me from the beginning of the day from 6 o’clock in the morning until the schoolteacher I train arrives around 5:30 to ride here. So, it’s an all-day thing. It can be a challenge, but teaching and training are my focus.

Is there a secret to your longevity with horses and staying active?

I have my health, which is pretty good. I am glad to have it. I can still ride. I have to be careful, because 48

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I know that if I get hurt, I can’t do a big part of my job, which is to get on. I am lucky that way, because I can get on and ride and show people how to do what I am telling them to do, rather than just be on the ground telling them what to do. I am going to lose that pretty soon, although I don’t feel like it. So, that gets me in trouble, because sometimes, I think young, but the body doesn’t always correspond to the mind. So, I have to be very careful of that. I have had plenty of falls, and a lot of them right there out in the ring, doing almost nothing, but I’ve become a little cautious. My instinct is to be a little impetuous, and I have to be careful about that. My britches get a little overblown, my ego gets big, and the horses always let me know and put me in my place.

Is there a favorite kind of horse that you prefer?

No, not really. I have to figure out how I am going to get along with them, how I can get my message across to them and how I can get my message across to the people I am training. It’s very difficult to teach, but it’s easy to ride. I never really gave it a lot of thought. Now, I really have to give it a lot of thought, because I have to explain it to other people how to do it.

You said that you have one horse that is yours?

Yes. A lady in town here a couple years ago bought 40 horses from an outfit in New Zealand who sent the horses to a Hong Kong racetrack. She bought 40 of them, turns them out in New Hampshire somehow, and they were for sale. And so she brought some down here, and I bought one. He has a brand on every side of him. It’s taken quite a long time and it’s the only one that I have. I about have him broke on my terms. So now, I have to probably show him a little bit, so I am a little scared, because I want him to be perfect. We call him Brumby, since he’s a New Zealand horse. He’s quite a nice horse, but he’s got a mind of his own. So, it’s me trying to produce yet another one to be as famous as I can make it.

And you grew up around horses?

Oh yeah, my grandfather was a horseman, and my father was a horseman. I tried to teach my kids to be horsemen. One of them is, and two of them drive racecars.

CONTINUED PAGE 50

“

I am still doing what I love to do. I want people who come here to feel like they come away with a better understanding about how to ride and how to take care of horses.

”

—J. MICHAEL PLUMB

SEPTEMBER 2017 |

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CONTINUED FROM PAGE 48

Can you tell us about your Olympic experience?

Well, we started in 1959 actually. The year before the Olympic Games is the Pan-American games normally, and that was in Chicago. When I was 18, I went to Chicago, and I didn’t know what I was doing. And I would say to you, for many Olympics, I really didn’t know what I was doing, compared to what people do now and what I do now.

I was very fortunate to know how to ride, to have had plenty of horse experience fox hunting. My father was a huntsman in Long Island. He was also a steeplechase rider. So, I grew up in Long Island around horses, and so my first Olympics was in Rome, and I was 19, and I really didn’t know what I was doing. I was at prep school in Millbrook, New York, and I was playing football. I was the quarterback, and I weighed about 215. That’s heavy for a quarterback, and it’s also heavy for an event rider. During those days, you had to be 165 pounds, and now that rule is gone. I think I was maybe 15th on a horse that was loaned to me by one of my father’s friends, a fox hunting friend.

I have to thank my family for that and lots of supporters, people donating horses for me. In 1972, I rode a horse called Free and Easy. He had a bowed tendon to start with, but we finished. We won a silver medal there. We did well.

At the Olympic Games in 1972, we had a very good coach named Jack Le Goff. That’s when eventing really took hold in the United States. Jim Wofford, Michael Page, Kevin Freeman, Bruce Davidson and Ben Arthur Torrance all contributed, and I was a part of that group. That was a group that was there for quite a long time. I guess the last was the World Championships in 1986, when we went to Australia. Jack coached at the Los Angeles games, and we won the gold medal there. So, I was a lucky boy, and that’s what I say to everybody, because I was. My family put me in a position where I was in the right place all the time.

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Do you still follow the Olympics now, and how has eventing changed?

Oh sure. People are much better riders now, there are more of them and horses are more difficult. There is now the short format, and the long format is gone, and I am glad it’s gone. You have to have a really good show jumping horse and a really good dressage horse and thoroughbred horse.

On the courses in Rio (for the 2016 Olympics), you had to jump little narrow jumps a lot, so you had to be a very good rider. A lot of people had trouble, but the answer was that the riding has to be correct and accurate. It’s not just a bold, fit horse, but it has to be a bold, fit, well-trained horse and a focused rider.

That’s what I teach here, and I am hard on riders.

Is there anything that you want to instill in riders as a major point?

They need to follow directions, they need to have good manners, they need to be good sports, and, of course, they have to have some talent. It’s my job to give them the skills. They have to have the will, and I give them the skills. I like to see them develop a relationship with a horse so that they can actually feel when it’s good and when this horse is part of them. If I can teach that, and they say you can’t teach “feel,” but I’d like to be able to teach that. You can teach details and skills, but then the good ones have to have a feel, and if you can teach that, they can go on and do whatever they want.

What led you to North Carolina?

I wanted to be in a place where the footing was good for the horses always.

I knew that the footing was going to be good for the horses with this sandy footing. So, why did I end up here? For that! When we have some bad weather, I have that ring, which I had built and is artificial. That is a ring that I can use every day, whether it’s sleeting, raining, snowing or frozen. I have missed maybe six days in almost 20 years. That’s the good part about this countryside, because whatever the weather is, there is always some ground around to work the horses.

Do you have any goals for your Second 50?

It’s been a long time, but I don’t feel like it’s been a really long time. I am still doing what I love to do. I am a little worried about when I can’t ride anymore.

For me, the last 50 will be more satisfying. I appreciate it more. I want people who come here to feel like they come away with a better understanding about how to ride and how to take care of horses. If they want to go to the next level, then I am able to direct them to that. I think there is a place in our world to sort of set the table for people to go and do what they want to do. I want to make that work for all kinds of people. I want to think I can handle anything, whether it’s a horse that’s 18 hands with a schoolteacher riding, to a 13-yearold girl who has a pony that I can handle. So, it’s an all-purpose barn, an allpurpose facility.

When I was 50, it was 1990. Right then, at that point, I was immature as you can imagine, and the Olympic Games part of my life was starting to end. So now, I have fun. I have an owner involved with me, who was an owner of my horses in 1992, and she offers some of her services to some of the young people in my program, which is great. I thank all the people who have been around me, who have given me that feeling that my teaching mattered.

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health

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Making a Healthy Transition to Retirement

by Karen D. Sullivan, PhD, ABPP

R

etirement ranks 10th on the list of life’s most stressful events. Keep in mind positive life events can also be highly stressful (getting married is No. 7 on the list). Like most things in life, everyone is a bit different in how they approach the milestone of retirement.

Social scientists think the adjustment to retirement is largely dependent upon how meaningful a person’s occupation was to them. If a person labels their job as highly stressful and just a means to a paycheck, retirement is more likely to be a welcomed transition. For these folks, retirement can herald the beginning of a new era of lowstress and more time to pursue healthful hobbies and interests. For the person who derived a lot of personal fulfillment from their job and genuinely enjoyed the hustle and bustle of a demanding occupation, the unstructured days of retirement can feel lacking in meaning and lonely without the camaraderie of co-workers and the pursuit of daily goals.

Context matters, inside and out.

Research tells us that two additional factors influence one’s adjustment to retirement: the context in which a person retired and personality.

If you were asked to retire due to an “age policy” or poor health, chances are you will find retirement more depressing than exciting. If the decision to retire was yours, you will likely adapt much better than if you felt you were “forced out” due to circumstances beyond your control.

People with certain personality characteristics, most notably those who are high in competitiveness and assertiveness, have more difficulty adjusting to retirement, because work offers a constructive outlet for these traits.

Why the let down for some?

Retirement as a life event carries a lot of expectations of relief and joy, but for some, retirement brings unexpected, unpleasant changes in how we feel. Work provides us with a structure to our day. It offers us a

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built-in social life. We have a title and job duties. It makes us feel important.

Without these supports, some can find themselves with the retirement blues or an adjustment disorder. An adjustment disorder is a psychological condition when someone experiences a group of symptoms, including feelings of sadness or hopelessness, along with physical symptoms, like unexplained headaches and fatigue.

An adjustment disorder is not as serious as clinical depression, but it can reduce quality of life and make you feel less interested in the hobbies you were looking forward to pursuing.

Talk about how you feel.

Even though we have a lot of stereotypes about how people should act and feel once they retire, there are no rules for how you have to feel. Research suggests most people have mixed feelings about this life transition: a combination of positive and negative emotions. Talking about how you really feel with trusted friends can make you feel less alone and normalize any feelings of stress you may have. Chances are they have similar feelings as you.

Consider talking to a professional.

If you think you may have the post-retirement blues, especially if they last more than a few months, consider talking with a mental health professional. For many, expressing any conflicting feelings you may have about retiring with a trained person who cares can be very beneficial. Counseling can offer the benefits of time and space to figure out how you want to make the most out of this next phase of life.

Dr. Sullivan, a board-certified, clinical neuropsychologist at Pinehurst Neuropsychology, can be reached at 910-420-8041 or by visiting www.pinehurstneuropsychology.com .

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Honoring World War II veterans Series «»

carroll underwood

by Jonathan Scott Photography by Mollie Tobias

A

month before Carroll Underwood shipped out of Pittsburgh in early 1944, the American press let the world know about the Bataan Death March. While on a journey that would eventually take him to the Philippines, where the events had taken place, the news—and the shock—was still fresh in Underwood’s mind.

Everyone who followed events in the Pacific knew that the Americans and Filipinos had lost the Battle of Bataan in 1941. Gen. MacArthur wanted to defend Manila by preventing the Japanese from taking the Bataan Peninsula, which formed protection over the bay where the capital city was located.

By that point in the war, Americans also knew that victors in a battle would take prisoners of war. They knew that conditions for POWs could be harsh. It wasn’t until three years later that our nation knew the extent of the atrocities that had been committed on those captured in Bataan.

Japanese Gen. Masarharu Homma had won the battle against the Americans and Filipinos. The number of combat personnel and civilians the Imperial Army had captured exceeded 90,000, overwhelming the Japanese capacity to get them out of the way in time for another assault.

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CONTINUED FROM PAGE 55

It was said that Homma hadn’t wanted to mistreat the prisoners, that it was his subordinates who were responsible for the infamous 60-mile march through blistering jungle mountains, during which tens of thousands died. Whatever the truth of Homma’s claim, it made no difference to those who were brutalized, tortured, killed or died from the suffering. And it made no difference to the Allied troops who would one day convict Homma of 43 counts of crimes against humanity.

Underwood first saw the Philippines from the deck of the U.S.S. Landing Ship Tank (LST) 667. This 18-year-old from Newton Grove in Harnett County, North Carolina, was technically an electrician’s mate, but sometimes he was called on to man a 20mm anti-aircraft gun. LSTs moved slowly and were easy targets. Fortunately, by the time the ship received orders to go to Lingayen Gulf in early 1945, they had suffered no casualties.

Most of the time, Underwood didn’t know the purpose of the missions or the reasons for landings until it was necessary to be told. On this particular day, it became clear that the ship had been sent to pick up POWs. Underwood, like the rest of America when it learned about the Bataan Death March, hadn’t been prepared for the extent of the horror.

What Underwood saw couldn’t be conveyed in newspaper photos or by a newsreel.

The full impact could only be absorbed by seeing it firsthand. That day Underwood saw the reality of the Bataan Death March. The men coming aboard LST 667 seemed like walking skeletons. Their skin was nearly transparent. The impact of the sight would haunt Underwood the rest of his life.

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Carroll Underwood, of Newton Grove, earned the Leyte Operation Medal, Luzon Operation Medal, Liberation of Philippines Medal, Presidential Citation for the Philippines, Asiatic Pacific Medal and American Campaign Medal over the course of his military career.

He holds a photo of his ship’s landing at the Lingayen Gulf during his World War II service.

The duties of the men of LST 667 had been made clear. They were simply to talk to the survivors, most of whom seemed happy— at least as happy as they could be in their emaciated condition. The POWs said they couldn’t believe how big the guys of LST 667 looked. What they meant was—in comparison to their own withered, gaunt condition. Still, it had been made clear that the POWs were not to be fed. Bringing them back to health would have to be done under medical supervision.

The daring rescue mission of the POWs earlier that year, led by Lt. Col. Henry Mucci, had suffered casualties, but whatever the danger to the victims of the Bataan Death March, it was better than waiting for death at the hands of their captors.

There was reason for those sick and abused men to feel happy onboard LST 667.

LST 667 would continue on to pick up another group of survivors of Bataan on the island of Mindanao. The ship would take part in 10 invasions. There were some close calls, but when the war ended, the ship had lost no men.

Underwood, 91, returned home, where he would eventually have a career with the phone company, got married and had one son. In 1978, he returned to Newton Grove, where he lives today.

SEPTEMBER 2017 |

OutreachNC.com 57

R

etirement has its own meaning for each person or couple, but whatever your dreams of freedom entail, one factor that requires consideration is how to fund these personal aspirations. The open road of retirement is best taken with a map and a plan, so that when the detours or roadblocks of life occur, preparation pays off and keeps your convertible on course with the wind in your hair.

“The first step in retirement planning is to have a plan,” says Tim Hicks, RICP®, APMA® financial advisor of Hicks & Associates in Southern Pines. “Many people view their retirement readiness by the value of their 401(k) or paying off the mortgage on their home. While important, those items should not be viewed in silos. They must be incorporated into a comprehensive financial plan that provides a systemized method of how to convert assets into lifetime income.”

Determining and growing that retirement income is also extremely personal, factoring age, longevity or outliving your money, health and long-term care, savings and a plethora of other calculations. Consider these tips from your 40s to 80s from financial experts to turn your retirement dreams into your funded reality.

The

ECONOMIC$

of Retiring

by Carrie Frye

58

OutreachNC.com | SEPTEMBER 2017

40s

Develop a long-range financial plan.

important factors in retirement planning, including health, longevity in your l “Examine family, income need, future income sources and the projected assets needed to supplement your income to develop a long-range plan in your 40s,” says David Calloway, CFP® , CLTC®, financial consultant with the Greater Triangle Group of Thrivent Financial in Raleigh.

your 40s, save 10-15 percent of your income for retirement,” says Jack Taylor, vice l “In president and financial advisor with Scull-Taylor-Kornegay Group and BB&T Scott &

Stringfellow in Raleigh. “It’s a tough time because many people are also raising children and thinking about college expenses. You can’t borrow for retirement like you can for college, so it’s important to start or continue saving for retirement.”

your family by addressing the fundamentals of a plan, such as a will and life l “Protect insurance,” Hicks says. “Based on your income, evaluate the need for additional life and disability insurance not provided by your employer.”

l Contribute to a 401(k)—at least to the employer match—and determine if a traditional or Roth IRA may be appropriate.

50s

Expand portfolio despite being sandwiched between raising children and caring for aging parents. this point, it’s imperative to focus on retirement, because the finish line is near,” Taylor l “Atsays.

“As you age, you typically want to reduce risk in all parts of your life but especially in your investment portfolio. This is where it’s a good idea to start adding fixed income to the portfolio and reduce exposure to equities. Fixed income doesn’t typically provide the returns that equities provide, but fixed income is more stable and predictable.” whether your employer allows after-tax savings l “Determine contributions to your employer-sponsored retirement plan, and

take advantage of those tax-deferred opportunities,” Hicks says. a financial professional to weigh options on l Consult pensions and lump sum payouts for your individual needs and situation.

CONTINUED PAGE 60

SEPTEMBER 2017 |

OutreachNC.com 59

CONTINUED FROM PAGE 59

60s

Re-evaluate the plan and determine when to begin taking Social Security.

your 60s, you’re at retirement or very near l “In retirement, so many clients have a balanced

portfolio with equal or close to equal allocations between equities and fixed income,” Taylor says.

“We like to use a 4-5 percent withdrawal rate for clients which means, if you have $500,000 in investments, you can withdraw $20,000-$25,000 annually and maintain the principal level.”

you haven’t already, consider hiring an expert l “If to double check your planning,” Hicks adds.

“While you may have been doing the planning all of your life, there’s a lot at stake when you hang up the cleats.”

70s & 80s

Focus on preservation. with a planner to develop an efficient asset l “Work distribution process that minimizes taxes and takes advantage of all retirement accounts, such as tax-deferred, tax-free and taxable,” Hicks says.

their 70s and 80s, most of our clients still l “In have balanced accounts, but many have more

money allocated to fixed income, because they don’t want to take as much risk anymore,” Taylor says. “Most clients are more concerned with preservation of principal rather than growth.”

your plan, and develop a legacy plan,” Security income increases 8 percent each l “Monitor l “Social Calloway says, “that considers the tax impact to a year you delay past Full Retirement Age (FRA) up to age 70,” Calloway says. “For a married couple, consider taking the smaller of the two Social Security incomes, and allow the larger SSA income to increase. The person delaying his or her SSA income may be able to draw on the spouse’s work record using the ‘file restricted’ provision. The payout is approximately 50 percent of the drawing spouse’s FRA income. Another consideration is longevity. Are you in good health, and do you expect to live to or beyond the break even age?

The break even age is the point when the total cumulative dollars received is the same. For example, if your SSA income is $1,500 per month, at 66, then the income is $1,980 per month or 32 percent higher at 70. You will need to live to 82 to receive equivalent cumulative income.

GET

surviving spouse and heirs.”

The Longevity Factor Lastly, with the rising life expectancy, planning for longevity is even more crucial. With that, long-term care costs come into play, too.

“A 40 year old today has a life expectancy of 43.6 years (until age 83.6),” Hick says. “Individuals who are 84 today have a life expectancy of 8.1 years (until age 92.1). Therefore, if you are 40, it’s not enough to plan for the money to last until age 84. We must plan for an age beyond this. Hence, life expectancy is one of the most important assumptions in the planning process.”

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OutreachNC.com 61

GREY MATTER See Grey Matter Puzzle Answers on Page 64

ACROSS 1. Beauties 5. River to the Rio Grande 10. Christian name

62

14. ___ vera 15. Appeared 16. Halftime lead, e.g.

17. Late 19. “Buona ___” (Italian greeting)

OutreachNC.com | SEPTEMBER 2017

Actor Aeroplanes Again Assumed Catches Choir

20. Queen, maybe 21. To administer extreme unction to 22. Cheapskate 23. Mouse catcher 24. No longer in

Collect Comes Contribution Daily Disease Dispute

Dressed Echoed Exhaust Exist Expect Exports

Forgive Gauge Gears Grain Hangs Heights

Issues Legend Match Milky Music Opera Panel Posted Raise Relationship Rides Riots Rooms Rules Shark Sheep Ships Showed Snake Spine Strap Their Thunder Tubes Twist Uncle

26. Soft-shell clam 9. “Comprende?”

30. Sideways 10. Things wanted or 34. Dermatologist’s needed (from Latin) concern 11. Bad day for Caesar 35. Dust remover 12. Shrek, e.g.

37. Dress down 13. Back 38. Clear, as a disk 18. “Yes, ___” 40. ___ de deux 22. Allots, with “out” 42. Hair parlor 23. Possible source of 43. Come by salmonella poisoning 45. Bug 25. Bar bill 47. Be inclined 26. Asparagus unit 48. To order again 27. Bakery offering 50. Indian ponies 28. A Muse 52. Arrangement 29. 50 Cent piece 54. Battering device 31. Rattling sounds in 55. ___ of roses chest 58. Like thin oatmeal 32. Agreeing (with) 60. “Hold on a ___!”

33. Advances 63. Demoiselle 36. Gangster’s gun 64. Holiday flower 39. Downy duck 66. Length x width, for a 41. Amniotic ___ rectangle 44. After expenses 67. Computer acronym 46. Partial paralysis 68. “Star Trek” speed 49. Wrinkled or ridged 69. Cattail, e.g.

51. Its motto is “Lux et 70. Athletic events veritas” 71. Sundae topper, 53. Bounty perhaps 55. Biology lab supply 56. Radial, e.g.

57. Certain surgeon’s DOWN “patient” 1. Apple variety 59. Condo, e.g.

2. Brio 60. Antares, for one 3. Lion’s share 61. Cork’s country 4. Undertake, with “out” 62. Crime boss 5. Bob Ross 64. “Polythene ___” 6. Coastal raptor (Beatles song) 7. Past tense of can 8. Bony 65. Couple

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63

life

OVER MY SHOULDER

It’s Great to be Retired in N.C.

by Ann Robson

R

etirement decisions rank right up there with getting married, buying a house, having children and building a career. Life is not coming to an end. You are getting a chance to live the way you want, where you want.

My husband and I started thinking about retirement about five years before actually doing it. At first, our discussions were vague. Where would you like to go? What do you want to do? What lifestyle suits us best? I found a Rand McNally guide to retirement planning, and that helped us zero in on more specific things. The guide had a page in the beginning with a series of questions about what was important to you in a new location. I copied that page, and my husband and I answered the questions separately. It surprised me that we answered 19 of 20 questions in the same way.

We were living in a suburb of Detroit at the time, so my first concern was “safety and security.” His was “cultural activity.”

When I asked him why he chose culture, he said that if a place offers diverse cultural activity, it likely has a lot of interesting things that go along with that. Hmmm, he was right.

Next step in the questionnaire was to match our answers to places that might be of interest, then to narrow that list to five spots. We wanted to stay close to the East Coast, as most of our family lives in the eastern part of Canada. We discovered that North Carolina had a similar climate—four seasons with winter being short and bearable.

We took a road trip with our list of five places as destinations. We ruled out Hilton Head and Columbia, South Carolina, before heading to Hendersonville, North

GREY MATTER ANSWERS

CROSSWORD

64

OutreachNC.com | SEPTEMBER 2017

Carolina, where friends lived. Next, we came to Moore County, where Pinehurst was first on our list. After a day with a Realtor, we, quite by chance, found Whispering Pines.

It was close to love at first sight. We found a lot that backed onto one of the golf courses and decided to buy it and build.

Whispering Pines was a hidden gem in 1994 when we were looking. We liked that we could get to the Triangle area (which was one of the five places on our list) in reasonable time for any cultural, sporting or shopping trips and still come home to our peaceful respite in the pines. We began construction in late 1996 and moved in June 1997.

It’s one of the best decisions we’ve made.

We had moved several times but never had a choice of location. Retirement gave us that freedom. Many may prefer to age in place close to family, friends and familiar surroundings. Some choose to leave “home” and find a new home. One piece of important advice for those who have not moved often: try to find a place where there are other “transplants.” You’ll have an immediate bond with them.

Another truth is to retire to something, rather than think you are retiring from your life as you know it. We now marvel that we’ve been retired in North Carolina for 20 years.

WORD SEARCH

Robson is the author of “Over My Shoulder: Tales of Life and Death and Everything In Between.” She can be reached at overmyshoulder@charter.net .

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he Memory Cafe concept provides a social experience for those who have dementia and their family member. A husband and wife can come by the café and socialize with other couples who are sharing a similar journey.”

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The Memory Cafe is a drop-in event and open to the community, providing a safe, understanding and compassionate environment to interact with others and enjoy a cup of coffee and great conversation. *Those with dementia must be accompanied by a family member or friend. Hosted by Thyme & Place Cafe, coffee and tea are provided, and light fare will be available for purchase. No registration required.

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SEPTEMBER 2017 |

OutreachNC.com 65

Generations

by Carrie Frye & Michelle Goetzl

OutreachNC asked adults and children our September question. Share your answer on our Facebook page.

What do you want to do when you retire?

Live at the beach on Oak Island. —Dawn, 58 Wake up when I want to, not when my alarm goes off! —Jennifer, 55

Move and travel. We’ve talked about selling the house, purging possessions and traveling for a year or so before settling closer to the beach. We may even spend a few months near Taos, New Mexico, and see what it’s like to live “off the grid.” After all that is out of our systems, we will settle down, maybe. —Jillaine 60

Get ice cream.

—Sydney, 5 Go on vacation! That’s fun all the time!

—Caroline, 7

Play, but I don’t know what it feels like to be that age. —Asher, 5 Relax, see Broadway shows and travel.

—Judy, 10 Take vacations! —Lauren, 10 Probably stay around the house, go shopping and go see Mt. Rushmore. —Virgie, 9

Grow organic vegetables on my own plot of land! —Spencer, 50

Stay home and play with my kids. —Greta, 5 Travel the world. —Stella, 10

Travel frequently to the beach and mountains, and go fishing more often.

Have fun, have fun and have more fun!

—Layla Joyce, 7

That’s too far for me!

—Mark, 58

—Bryce, 5

I want to retire now!

—Michelle, 55

More cat naps.

—OutreachNC Co-editor Jeeves, 4

You only retire when it’s work and you don’t love what you do, so I will continue to share what is not work that I get up every day to do— Pilates! —Katherine, 59

66

Relax in a tropical place.

—Collin, 9

Fix stuff like Bob (our neighbor) and drive golf carts.

—Tyler, 4

Live in Southport on the waterfront and just relax and enjoy each day. —Paul, 66

Golf. —Charlie, 6

Do volunteer work with church mission projects and travel more. —Kathy, 55

Relax and just have fun.

—Emily, 7

OutreachNC.com | SEPTEMBER 2017

Meet Your Village Family Dentists

Anuj James, DDS General Dentist IV Sedation

Michael Knowles, DMD General Dentist

Faith McGibbon, DDS Pediatric Dentist

Terrance Smith, DDS Prosthodontist

Bradley Ryan, DDS General Dentist IV Sedation

Grant Wiles, DDS General Dentist

Mit Patel, DDS General Dentist

Lauren Brannon, DDS General Dentist

Lawrence Bullard, DDS General Dentist

Plummer Ray Chavis, DDS General Dentist

Annie Floor, DDS General Dentist

Molly Guy, DDS General Dentist

Gary Hall, DMD General Dentist

Ken Harrel, DDS General Dentist

Herald â&#x20AC;&#x153;Bearâ&#x20AC;? Hughes, DDS General Dentist

Andrea Jacobs, DDS General Dentist

P.W. Jessup, Jr., DDS General Dentist

Ronald Katz., DDM General Dentist

Garrett McDaniel, DDS General Dentist

Daniel McInnis, DDS General Dentist

Kushan Patel, DMD General Dentist

Meredith Smith-Wiles, DDS General Dentist

Sunny Yu, DDS General Dentist

Oral Surgeon, Cosmetic Surgeon

Elda Fisher, DMD, MD

John Kent, DMD Oral Surgeon

Brett Alvey, DDS Orthodontist

Richard Burke, Jr., DMD Pediatric Dentist

Pawandip Singh, DDS General Dentist

Trina Collins, DDS Pediatric Dentist

Anne Dodds, DDS Pediatric Dentist

Fayetteville (910) 485-8884 Eastover (910) 437-0232

Jordan Olsen, DDS Pediatric Dentist

Hope Mills (910) 424-3623

Dental Health Assoc.

(910) 486-4180

Raeford (910) 875-4008

Daniel Ravel, DDS Pediatric Dentist

Nathan Abramson, DMD Prosthodontist

Buzz King, DDS Prosthodontist

St. Pauls (910) 446-1130 Laurinburg (910) 276-6640

For more information, visit us online at: www.vfdental.com

SEPTEMBER 2017 |

OutreachNC.com 67

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