VIRGINIA CONNECTOR - NORTH END - APRIL 2022

North End EDITION

APRIL

MAGAZINES

CONNECTOR

2022

STOP us ing po s tc a rds

CUSTOMIZED

TO YOU & YOUR FARM

BEAUTIFUL

FULL-COLOR DESIGN

your

personalized

neighborhood magazine

JANET JONES XYZ REALTY

CALL US: (757) 567-9354

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Where the Atlantic Ocean and the city of Virginia Beach promises visitors a unique chance to "Live the Life." With pristine natural wonders, freshly-caught seafood, freshly-picked local ingredients and a vibrant downtown and arts district, Virginia Beach provides appeal for all visitors, while consistently ranking among the country's best beach destinations.

We hope you'll enjoy our 'spring season' Virginia Beach features in this issue, courtesy of Virginia Beach CVB "Live the Life" visitvirginiabeach.com

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INSPIRED MEDIA | APRIL 2022

springtime in Virginia Beach

Chesapeake Bay meet, the coastal

We believe people will talk about Connector Magazines, and appreciate the stories we bring to you.

In this issue you will find contributions from your local real estate expert and neighbor, Kelly Klaers. From adorable photos of her two little ones, to the amazing little bookstore setup photo, Kelly has gone out of her way to help make Salem Lakes Connector a joyful and valuable resource.

Hello Virginia!

I am very excited to launch our first issue of Connector Magazines here in Virginia Beach!

Virginia Beach is a community where people know their neighbors, run into friends at the post office, and help during times of need. It’s a place of ideas, and lots and lots of talent.

People here dream big, from small shop owners to artists, students, and more. These are people you might know or want to meet, and they are all part of the fabric of this community. Our mission is to help our readers connect with each other.

This will be a voyage of discovery, for us and for you.

We believe there are so many good stories to tell, and we want to inform and make a difference. We want to give our readers a deeper look into our community while supporting and promoting our wonderful local business owners— where you can get the goods and services you want and need while connecting with the people “behind the sign.”

Later this year Connector Magazines will be seen by thousands of readers in other parts of our great state, but I couldn’t think of a better place to start and call home than right here in Virginia Beach.

Connector Magazines are based on a concept we call Backyard Networking, which includes a deeper dive into supporting our local community, including our local businesses. Why go outside the area, state, country or online for business when we likely have a professional right in your neighborhood?

If you are reading this magazine and aren’t from Salem Lakes, know that we will be expanding into your neighborhood very soon. Please feel free to contact me with any suggestions, article ideas, events, local businesses you think should be featured, or anything else, to ensure that we're delivering the resources you want and enjoy!

I am honored and elated for the opportunity to promote our amazing community.

Thank you,

Michelle Westberry

CONNECTOR MAGAZINES

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INSIDE THIS ISSUE WHAT IS CONNECTOR MAGAZINES?

COVER STORY

Connector Magazines are custom-designed publications connecting affluent neighborhoods with locally owned businesses.

▶ surf artist rick romano

We help local and regional businesses target and penetrate the most affluent buyers in the marketplace. We do this by partnering with residents and HOAs of upscale neighborhoods and provide them with their own exclusive, high-end monthly magazine.

YOUR LOCAL REALTOR® ▶ This could be you!

SPRING PROJECTS ▶ time to repaint? ▶ paint or replace — DIY

Connecting Community with Commerce We select neighborhoods based on a matrix of demographic information, including number of households, family net worth, median home price, location and appeal to potential advertisers.

Our marketing and advertising philosophy is penetrative marketing. We are a print media source that radically changes traditional target marketing to keep up with the times — known as micro-target-marketing.

▶ don't try this at home!

VIRGINIA BEACH IN SPRING! ▶ 48-hour foodie tour ▶ annual events you won't want to miss

Because of the unique relationships and partnerships we have with the communities we serve, we don't just "target" a certain area or demographic, we are invited in by the homeowners to penetrate it.

High Impact Exposure With Zero Waste = 100% Reach

SPRING INTO HEALTH ▶ confused about CBD oil? ▶ spring cleanse ▶ vegan vs plant-based

IN EVERY ISSUE ▶ expert advice ▶ local events ▶ things to do

Connector Magazines is published by Inspired Media LLC. Reproduction or duplication of any part herein requires written permission from publisher. All information included herein is correct to the best of Publisher's knowledge as of publication date. Corrections should be forwarded to Publisher at connect@indie-pub.com for consideration. Paid advertisements or advertorials contained herein are not endorsed or recommended by Publisher and do not reflect Publisher's opinion or political or religious views; therefore, Publisher shall not be held liable for business practices of advertisers. Publisher not liable for images or content accepted in good faith.

FOUNDER/ SALES & MARKETING Michelle Westberry

STAFF SUPPORT Paw-ssistants to Michelle Westberry

PRODUCTION/GRAPHICS Dana Grizzél

PUBLISHER Brad Weber Inspired Media LLC TO ADVERTISE CONTACT Michelle Westberry

(757) 567-9354

Michelle@ConnectorMagazines.com

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INSPIRED MEDIA | APRIL 2022

Tucker ♦ Cersei ♦ Macie

Our Experts & Contributors LOCAL Experts

Established local businesses offer expert advice

REAL ESTATE

PAINTING

"YOUR NAME HERE"

Kevin Pineda

XYZ REALTY

(757) 555-55555 ♦ realtorjane.com realtorjane@yourcompany.com

FLOORING

PINEDA CUSTOM PAINTING

(757) 352-0597 kevinpaint2@gmail.com

TREE SERVICES

Sales Office

Steven Griffin & Xander Shield

TIDEWATER FLOORING

INTEGRITY TRI-CO LLC

(757) 524-4433 tidewaterflooring.com

(757) 381-3313 OR (757) 778-3884

CRAWL SPACES

YOGA & WELLNESS

CRAWLSPACE MEDIC

VIBING WITH GAIA

Nicole Papageorge

Tom Jackson

hello@nicolepapageorge.com vibingwithgaia.com

(757) 500-9045 crawlspacemedic.com

INSURANCE — MEDICARE

HEAVY HAUL TRANSPORT

INTEGRITY INSURANCE

MTM INTERNATIONAL

Dale S. White

(757) 650-2500 daleswhite@integritymedicareva.com

LOCAL Contributors bring you relevant, local neighborhood news

"YOUR NAME HERE" Real Estate Agent XYZ REALTY

Melissa Hedayatpoor

(404) 914-4866 operations@shipMTM.com

MIKE STANLEY Seniors Lending Specialist Thrive Mortgage

Are YOU an Expert in Your Industry?

Contact us today to see how you and your business can become a recognized Expert in Your Neighborhood MICHELLE WESTBERRY (757) 567-9354 CONNECTOR MAGAZINES

5

dog park rules: 4 important tips to remember With people adopting pets more than ever, dog parks have become a hot commodity. In major cities like New York, some people are spending big bucks for exclusive dog park memberships.

With people adopting pets more than ever, dog parks have become a hot commodity. In major cities like New York, some people are spending big bucks for exclusive dog park memberships.

You may have noticed that your own local park is more crowded than usual, and you may have noticed that not all pet owners and their pups are on the same page with behavior.

You may have noticed that your own local park is more crowded than usual, and you may have noticed that not all pet andwe’ll theirgo pups aretips on on thehow sametopage behavior.

In owners this guide over be awith stand-up dog park participant.

InSCOOP this guideTHE we’llPOOP go over tips on how to be a stand-up dog park participant.

I mean, this without saying — but please pick up after your dog. Imagine this scenario: You let your Scoop thegoes poop

dog poop, you don’t pick up the poop, another dog — or their pet owner — tramples through it…and…well, we’ll let your imagination do the rest.please Dog poop contains countless bacteria parasites that could I mean, this goes without saying — but pick up after your dog. Imagine this and scenario: You let your dogcause poop, other dogs if they come contact You — cantramples avoid allthrough of this it…and…well, calamity by picking your you don’t picktoupget thesick poop, another dogin— or theirwith pet it. owner we’ll letup your dog’s droppings.

(AndDog you’ll avoid the stink eye from other petparasites owners that too.)could cause other dogs to get sick imagination do the rest. poop contains countless bacteria and if they come in contact with it. You can avoid all of this calamity by picking up your dog’s droppings. (And you’ll avoid theAN stink eye ON fromYOUR other pet owners too.)

KEEP EYE PUP

Everyone thinks their dog is amazing — and your dog IS amazing — but that doesn’t mean your dog is Keep an eye on your pup always well-behaved at the park. Maybe your super chill dog at home suddenly gets aggressive when around other dogs. Or maybe they get a little…let’s call it “over-excited.” Either way, other pet owners

Everyone thinks their dog is amazing — and your dog IS amazing — but that doesn’t mean your dog is always wellmight not love your dog getting up in their dog’s business, and they’ll expect you to have a handle on behaved at the park. Maybe your super chill dog at home suddenly gets aggressive when around other dogs. Or them. And the same goes for you and your pet — you have the right to speak up if your dog is receiving maybe they get a little…let’s call it “over-excited.” Either way, other pet owners might not love your dog getting up beexpect calm, you understanding, andon respectful. workfor great everyinunwanted their dog’sattention business,too. and Just they’ll to have a handle them. AndDog the parks same goes you when and your pet — one is paying attention. you have the right to speak up if your dog is receiving unwanted attention too. Just be calm, understanding, and respectful. Dog parks work great when everyone is paying attention.

MAKE SURE YOUR PUP IS VACCINATED AND FIXED

Make your AND fixed vital that participants are inoculated Becausesure dog parks are apup placeis forvaccinated pups to congregate, it’s absolutely and fixed. This will help prevent the spreading of diseases between dogs and surprise puppies in a few

Because months.dog parks are a place for pups to congregate, it’s absolutely vital that participants are inoculated and fixed.

This will help prevent the spreading of diseases between dogs and surprise puppies in a few months.

BRING THE LEASH

Bring the leash Though it’s usually ok for your dog to run free like the wind at a dog park, that doesn’t mean they should be off-leash while walking to and from the park. Many cities and states have some form of leash law that

Though it’s usually ok for your dog to run free like the wind at a dog park, that doesn’t mean they should be offrequires to be control when in public.

But states regardless of laws — of it’sleash not only good etiquette toto leash whiledogs walking to under and from the park.

Many cities and have some form law that requires dogs have your dog on-leash when in public, it’s much safer too.

Please remember, even if your dog is well bebe under control when in public. But regardless of laws — it’s not only good etiquette to have your dog on-leash haved off-leash, will mimic your remember, behavior and think it’s dog OK is forwell their “less perfect" pup to be off-leash. when in public, it’s others much safer too. Please even if your behaved off-leash, others will mimic your behavior and think it’s OK for their “less perfect" pup to be off-leash.

The next time you visit the dog park, remember these simple yet important codes of behavior and have fun!

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INSPIRED MEDIA | APRIL 2022

dog-friendly beaches Your four-legged family members are always welcomed in Virginia Beach and we want them to enjoy a paw-sitively perfect vacation with you! From the ocean to the bay, and all the dog parks and hiking trails in between, whether swimming, hiking, fetching or joining you for a stand-up paddle (SUP) boarding lesson, we love seeing coastal pets make the most of their visit. Before you travel, be sure to familiarize yourself with the seasonal restrictions and as always, be mindful of keeping your fur-baby on a leash and cleaning up after them Pets are welcome to vacation in Virginia Beach all year long.

SPRING & FALL/WINTER

Fido must don a leash and human companions are required to clean-up after their furry friend. For the safety of all patrons on the beach, canine and human alike, please supervise your pet carefully when off leash and only unleash on the sand with reliable voice command and recall.

With pet lovers in mind, many Virginia Beach hotels, resort properties and businesses are eager to host you and your K-9 companion. Pet-friendly accommodations range from hotels, motels and luxurious beach rental homes. Be sure to call the property directly to book your pet-friendly reservation. Customize your pet-friendly vacation by reviewing the options below to ensure a paw-sitively perfect vacation in Virginia Beach!

Before Memorial Day and after Labor Day weekend Allowed on public beaches and boardwalk area anytime

SUMMER

FOR FUN THINGS TO DO WITH YOUR DOG IN THE SPRING ON VIRGINIA BEACHES VISIT:

Friday before Memorial Day through Labor Day weekend

visitvirginiabeach.com/explore/pet-friendly

Restricted in the following areas: Beaches before 10 a.m. and after 6 p.m. Pets are limited to frolic on the north end of Virginia Beach above 42nd Street and the south end of Virginia Beach in the Sandbridge area before 10 a.m. and after 6 p.m.

Boardwalk 6 a.m. to 10 a.m. only. During summer season, dogs are also allowed on the boardwalk from 6 a.m. to 10 a.m. only.

CONNECTOR MAGAZINES

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About the Cover Art Local surf artist Rick Romano beautifully depicts the lighthouses of South Hampton Roads on the Chesapeake Bay

As a lifetime admirer of lighthouses, sea life, everything centering around fishing piers, surf artist Rick Romano was inspired to create this collage of lighthouses, grouping together some of the most famous lighthouses in the country.

Rick Romano's list of commissioned works is practically endless. He has been one of the most sought after local artists in the Hampton Roads area for such commissions, including large-scale murals, art work outfitting for corporate buildings, residential art work layouts and consultations. Rick first gained national recognition in 1980 when he was commissioned by the Worrell 1000 Coastwise Catamaran Race Team

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INSPIRED MEDIA | APRIL 2022

to create its first official race poster. Several of his works were selected by Surfing Artists International and distributed by Bruce McGaw Grahpics, Inc. He was voted Best Local Artist in 1996 by Hampton Roads residents. Rick often gives of his time and talents to his community. He spent many years as Artist in Resident at a number of local elementary schools and has donated his art works to charities since the 1980s.

Surf Artist Rick Romano wins first place on the water and on the canvas!

A

midst his passions in surfing and football, there was art. A native of Virginia Beach and a 1950s child of the oceanfront, Rick became well known for his surfing talent at an early age, entering local contests and dreaming of surf daily. He would be the first to introduce VA Beach to stand up paddle boarding in the early 2000s and is still surfing the waves today. Rick was also a football star at First Colonial High School and went on to play at Ferrum College — National Champions and training grounds to a number of pre-NFL players. Rick studied art during college and returned to the ocean and home in VA Beach to begin his formal art career. He took on jobs within the local newspapers and was hired to provide a weekly sketch of life depicted in the Hampton Roads area. He was very active in community art happenings, judged art shows and The City frequently requested art works for events and commemorations.

About the Artist

B

ut big waves were calling Rick to journey west, so in the mid '90s he took up residency in Hawaii. What was once a surfing fantasy became a reality and would prove to become a huge influence on his art works. Rick's obsession with big wave surfing translated through his art works in a series of oversized wave scenes that have captured the attention of surfers all across the world. These works take surfers to a place in every surfer's mind of what the epic surf scene should look like. Rick spent a handful of years on Maui and made his way back to the VA Beach area and slowly migrated south to the Outer Banks NC, where the waves are just as big as Hawaii on certain days!

C

onnect with Rick for more information on how to commission his art or to purchase one of his art works.

VISIT HIS WEBSITE: rickromano.com CONNECTOR MAGAZINES

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EXPERT Painting - Residential

Pineda Custom Painting ♦ INTERIOR PAINTING ♦ EXTERIOR PAINTING

4 signs that it's time to repaint your home's exterior

♦ DRYWALL REPAIR ♦ PRESSURE WASHING ♦ FINISH CARPENTRY

Call us now to schedule your exterior painting for this spring time

CUSTOM RESIDENTIAL

Repainting your home can be disruptive and expensive. But sometimes letting the project go, even a couple of years longer, may result in costly damage to your home. Paint is the first line of defense against the elements.

PAINTING

SIGNS THAT IT'S TIME TO REPAINT:

pinedacustompainting

ARE YOU AN EXPERT IN YOUR INDUSTRY? Contact us today to see how you and your business can become a recognized Expert in Your Neighborhood CONTACT MICHELLE WESTBERRY (757) 567-9354

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INSPIRED MEDIA | APRIL 2022

WEAR & TEAR Even a little cracking, peeling or bubbling are signs that you should get a professional evaluation. If you're seeing gaps where the house is pulling away from windows or cracked caulking, this needs attention.

FADING Faded paint can make your house look bad. Even though there may be no physical damage happening, your house can still become a neighborhood eyesore.

SELLING! Increase your curb appeal! and potentially increase your profit at the closing table. Consult with a professional and spruce up that paint job before listing.

FATHER TIME Even if you don’t see these signs, if you can’t remember when your house was last painted, or it’s been 10 years or more, it's a good idea to get a professional evaluation to avoid hidden damage.

DIY Painting vs Replacing From the moment we purchased our home, I loved our kitchen – the layout, appliances, quality and functionality. What I didn’t like was the color of the dark cherry wood cabinets. It made the kitchen look small, dark and uninviting.

W

e enquired about the costs to replace the existing cabinets. Quotes ranged from $9,500 to $13,500. Having just moved houses, our budget was drained, and we concluded this had to be a DIY job. It took weeks of research, reading blogs and watching YouTube tutorials until we gathered the courage to purchase paint, glaze and varnish.

After 12 weeks, we finally put back the last painted cabinet door.

The result was what looked like a brand new kitchen. I have not once regretted our decision to paint the cabinets ourselves. Even now, two years later, with an active 7-year-old and two 70lb dogs, the cabinets look great without a paint-chip in sight.

However, painting the cabinets has been a long project, greatly disrupting

our family time together.

We learned during the process that, depending on the paint used, it can be hard to achieve a 100% perfect surface look. We decided to use an antique stain (I love the shabby-chic look), which conveniently covered the odd, visible brush

because it’s the latest DIY craze, but because we could avoid sanding the cabinets. Our house features a large open-plan layout, so we didn’t relish the idea of having sawdust in every nook and cranny.

Other types of paint, such as latex and oil

Our house features a large open-plan layout, so we didn’t relish the idea of having sawdust in every nook and cranny. strokes. If you aim for a slick, glossy look, painting the cabinets can be a challenge and replacing may be the better option.

What paint is best for cabinets? That greatly depends on a number of aspects. We opted for chalk paint. Not

based paints, require sanding to achieve lasting coverage. One bit of advice: don’t skip painting the insides of doors and cabinets. At the time, it may seem like a time-saver, but imagine how much you’ll regret this decision

every time you open a cabinet for years to come.

Other considerations are the age or quality of your kitchen. If your cabinets are solid and well-working, there is no reason why painting wouldn’t spruce-up your kitchen. But, if you are already unhappy with the functionality or sturdiness of your cabinets, a coat of paint is unlikely to change that.

Considering the money we have saved, I can only recommend painting vs. replacing.

But I loved our kitchen to start with, which had good quality cabinets.

Thankfully, we had the patience to complete the task. I’m already planning my next project – painting my bathroom cabinets.

CONNECTOR MAGAZINES

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DON’T TRY THIS AT HOME

REMODELING PROJECTS BEST LEFT TO THE EXPERTS D-I-Y.

In the fields of home renovation and repair, these letters are thrown around pretty casually.

Homeowners are always looking for new ways to stretch a dollar, but the fact is not every home job can or should be done independently.

In addition to the risk of home damage and personal injury, the cost of operating autonomously can actually be greater than that of hiring a professional.

Experts buy their materials in bulk and can often get them at reduced rates.

Additionally, any faulty work that needs to be corrected adds to the bottom line.

So what projects are best left to the pros? Only you know your full abilities, but here are a few things to consider before biting off more than you can chew.

1.

4.

2.

5.

Electrical Wiring. House fires, electrical shock, hefty fines and failure to pass home inspection are just a few of the risks associated with DIY electrical work. GFIs, phantom voltage, busbars, pigtailing … there are just too many ways to go wrong.

Natural Gas Pipes. Improper work in this area could literally explode in your face. Avoid it at all costs and hire a trained expert for gas appliance repairs and installation as well as other related work.

Roofing. If you make even one error, you compromise “the roof over your heads” putting everything within your home at risk.

3.

Plumbing. Yes, there are simple jobs, such as toilet installation, but the vast majority of this work involves a complicated network of pipes and drain lines that, if installed incorrectly, could result in leaks causing mold, structural damage and other major problems.

Asbestos Removal. Older homes (built between 1940 and 1980) often contain this harmful building material.

Specialized equipment and training are crucial to the removal process, otherwise you could put yourself at risk for a life-threatening illness.

Remember that most of these jobs require permits, licensing and certifications. These safeguards are put in place for your protection. Respect them.

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INSPIRED MEDIA | APRIL 2022

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EXPERT - Medicare Dale S. White

Greetings! I am grateful to be one of the experts in the launch of Connector Magazines.

I have been serving the financial needs of Tidewater since 1976. I began my work as a Medicare Specialist Agent in 2005 when the expanded benefits to Medicare beneficiaries were approved. Since then, I have been blessed to serve over two thousand in my hometown community in determining which Medicare plan would best meet their needs.

I begin my complimentary consultations with a very beneficial cost benefit analysis using the Medicare Options pages from the Medicare & You book. I have found that most folks I have worked with over the last seventeen years do not understand Medicare like they deserve to do. Most have worked for 40 or more years, paying into Medicare Part A with each paycheck. Once you go on Medicare Part B, typically at age 65, or at retirement, you will pay a monthly premium for the remainder of your life. I believe that Medicare beneficiaries deserve to understand their options in order to help them obtain the plan that best suits them. Most beneficiaries have been paying for this benefit since their first paycheck and will continue to pay for it until they receive their last social security check.

The Medicare Options pages provides a highlight of the two basic options for a Medicare beneficiary. Medicare Part A & B; Medicare Part D; and a Medicare Supplement or Medigap plan or a Medicare Advantage plan which combines Medicare A; B & D + Extra benefits into an all-in-one plan – Medicare Part C. The second page does a very helpful job of explaining the highlights and the risk reward relationship between the two options.

After going through this process and comparing the options to any current coverage available, the Medicare beneficiary is much more prepared to make an informed decision as to which option, and then which Medicare plan, will best serve their needs. This is always a complimentary consultation, as the plan you enroll in compensates the agent.

If you would like to schedule a complimentary consultation, please contact me (757) 650-2500 OR daleswhite@integritymedicareva.com I look forward to hearing from you and empowering you to make the most of your Medicare benefits.

YOUR HOMETOWN INSURANCE GROUP— SPECIALIZING IN MEDICARE COVERAGE FOR OUR NEIGHBORS IN & AROUND HAMPTON ROADS

NO COMMITMENT FREE healthcare assessment Medicare explained in clear terms to help you understand ALL coverage available to help meet your unique healthcare needs Dale S. White began work as a Medicare Specialist Agent in 2005 when the expanded benefits to Medicare beneficiaries were approved. Since then he has served over 2,000 in his hometown community in determining which Medicare plan best meets their needs.

DALE S. WHITE (757) 650-2500 FREE Consultation daleswhite@integritymedicareva.com CONNECTOR MAGAZINES

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Alternative financing in the baby boomer purchase market

T Mike Stanley, NMLS# 265369

Regional Reverse Sales Manager, Thrive Mortgage

he Home Equity Conversion Mortgage (HCEM), an FHA-insured loan, was passed

by Congress and signed into law by President Ronald Reagan in 1988. The HECM was originally designed to allow baby boomers ages 62 and older to refinance to tap into a portion of their home equity to supplement their retirement, and health care needs as they entered their retirement years.

With the HECM refinance a boomer could use a portion of their home’s equity and not be required to pay any principal or interest payments for as long as they lived in the home as their primary residence. In 2009, FHA restructured the HECM program to allow boomers to be able to purchase a home to better meet their need (so they could thus sell their current home).

This home may have been a two-story one with bedrooms upstairs on a large lot and lots of upkeep, in other words where they raised their children but no longer meeting their empty nester housing needs.

Here are some baby boomer demographics: • Currently, there are 79 million baby boomers in the United States.

• Baby boomers are turning 65 at a rate of 10,000 per day for the next 15 to 18 years.

• Baby boomers currently have $10.19 trillion in home equity.

• 60% of boomers 65 + have their homes paid for.

• Twenty-seven percent will downsize (right size) during their retirement years to be closer to family and friends and to reduce housing expenses.

In 2009, FHA restructured the HECM program to allow boomers to be able to purchase a home to better meet their need (so they could thus sell their current home).

With the original HECM refinance the boomers had to leave a percentage of their equity to absorb the deferred interest charges, so the lender could recoup the deferred interest when the last borrower no longer lives in the property. They can use the cash-out for any reason they wish and not be required to make any monthly principal or interest payment until they leave the property.

The HECM purchase works along the same principle, but with the HECM purchase the borrowers are required to put a down payment equal to the

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amount of equity left in the refinance. The amount of the down payment is determined by the purchase price of the property, the current interest rate at the time of the purchase, and the age of the youngest borrower.

The youngest age for a HECM borrower must 62 62 for the HECM purchase loan.

Let’s use this scenario. A boomer has a home valued at $300,000 (free and clear) and wants to sell the property to purchase a $250,000 condo that meets the current needs and lifestyle. Normally, they list and sale the current property, use $250,000 from the proceeds of their current home and has $50,000, a straightforward cash purchase.

With the HECM purchase on the same scenario, at 74 years of age they would only be required to have an estimated down payment of $125,000. Do the HECM purchase on the additional $125,000, and they have $175,000 of the original proceeds to supplement retirement or health care needs.

They are not required to pay principal or interest provided they live in the property.

This is a second option for this same 74-yearold client. They list and sell the property, and (hypothetically) they have $300,000 cash in hand.

With the HECM-for-purchase option at 74 years of age, they can use the full $300,000 as a down payment to purchase a $600,000 home. The agent’s commission just doubled, and the client spent the same amount in cash. Win for all!

With all HECM loans, whether refinance or purchase, the borrowers are required to meet FHA guidelines and pay property taxes, homeowners insurance, and keep property in livable condition.

The younger they are the more they need to bring to closing, and the older they are the less required to bring to closing. Closing cost is included into their down payment.

You may be thinking this sounds too good to be true, but it’s not! By the way, prior to 1988 before becoming the FHA-insured HECM loan, it was referred to as a reverse mortgage and may still be referred to as this. How times have changed! ⌂

Hampton Roads REALTOR® • February 2022

INSPIRED MEDIA | APRIL 2022

healthy mind

CBD OIL FOR A HEALTHY MIND

M

odern medicine is retrieving cannabis from the depths of stigma. If we fix a few laws, CBD (cannabidiol) will continue taking brain health to exciting new places.

The World Health Organization has deemed CBD as safe to use–there are no known adverse side effects unless it's used with certain medications, like statins.

CBD oil comes from hemp flowers and can be made using different techniques depending on the desired end product.

Hemp is harvested and cured before the flower is removed, then it’s ground up and placed in a solvent, like alcohol. The solution is evaporated, leaving raw CBD oil behind!

Many CBD products are made into edibles, like chocolate or gummies. It's also available in sublingual tinctures, vape pens, cigarettes and transdermal patches.

Most consumers take CBD to treat chronic pain, insomnia and anxiety. Studies proving the effectiveness of using CBD to treat these ailments in humans are slim to none. Studies on animals show promise, but human trials are often prevented by drug laws.

The most conclusive research on CBD is related to seizures--specifically childhood illnesses like Dravet syndrome and Lennox-Gastaut syndrome.

CBD reduces or completely eliminates seizures where ant-seizure medications have failed.

THE ENDOCANNABINOID SYSTEM CBD interacts with our bodies in a unique way. If we think of our body as a radio, the endocannabinoid system (ES) is the knob that brings us out of the static and back to a clear station for our brain, immune and endocrine systems. This system helps the body maintain homeostasis with

the help of endocannabinoids produced by neurons. Both THC (the psychoactive compound in cannabis) and CBD produce phytocannabinoids which mimic the endocannabinoids we make. This could explain its reported effectiveness with pain management and memory.

LEGAL OR NOT? Stigma associated with cannabis is to blame for the delay in medical research. Lack of research makes it hard to reclassify cannabis to encourage federal legalization, but its drug class limits medical studies. Cannabis research is trapped in legal muck.

CBD reduces or completely eliminates zure seizures where anti-sei d. medications have faile

Hemp-derived CBD is legal in most states and can be purchased online, but proceed with caution if you live in states that are unfriendly to all things related to cannabis--like Idaho, Nebraska, and South Dakota. Though many states have passed laws legalizing cannabis for recreational or medical use, it is still illegal on the federal level--this includes CBD. Confused? Rightly so. The process of a blanket legalization of CBD has been messy, but the future looks green.

CONNECTOR MAGAZINES

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Ayurvedic Spring Cleanse Spring brings new growth and regeneration, the perfect time to practice self-care and refresh your mind and body in preparation for the warmer months. Ayurveda offers a gentle and time-tested method for cleansing and detoxifying. These seasonal changes are ideal for cleansing the body, as you are already undergoing transition.

Disclaimer: Listen to your body; should you experience extreme dizziness, weakness, or lightheadedness, gradually transition off the cleanse. If you have questions or concerns, always consult with an ayurvedic practitioner or your healthcare provider.

A 3–7-day Kitchari cleanse is best. Why? Kitchari is made of rice and mung dal and contains carbs, fats, and proteins, making it a well-rounded, easy-to-digest meal. Rather than having your body use energy to digest and break down foods, this allows the body to cleanse and renew any accumulated toxins built up from the colder months. Sip warm water and eliminate caffeine, alcohol, processed foods, and other stimulants during your cleanse. A Kitchari cleanse is a mono-diet because you only eat one food for a set period. Should you need a snack, you can consume sunflower seeds or nuts and may add warm, fresh vegetables to your Kitchari.

vibingwithgaia.com

For a full Kitchari recipe, please visit my website:

Happy cleansing!

Nicole Papageorge

| Vibing with Gaia

Some benefits of your cleanse may be: Improved skin Reduced cravings Improved sleep Balanced digestion Relaxed nervous system & calmer mind Increased energy levels Overall well-being When transitioning out of the cleanse, gently reintroduce one or two new foods per day. Your body has become used to a more simplified diet. An example would be to add whole-grain bread, eggs, fresh fruits, etc. It's best not to overwhelm your digestive fire. An ayurvedic spring cleanse is a great self-care practice that is gentle yet powerful, almost like hitting the reset button.

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INSPIRED MEDIA | APRIL 2022

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AYURVEDA

Health Consultation Ayurveda is a 5,000 year old holistic medical system originating in India, known as the sister science of yoga.

It is designed to bring the body back to its original state of balance in order to heal from ailements. Our services are donation based and we strive to integrate healthy alternatives with a holistic approach, into your daily routine. LET’S CONNECT.

www.vibingwithgaia.com

Vegan vs. plant-based Is a plant-based diet the same thing as a vegan diet?

Both meal plans have made headlines for their health benefits in recent years and while they are similar, there are some key differences: Vegan diets eliminate all animal products, while plant-based diets do not necessarily eliminate animal products, but focus on eating mostly plants, such as fruits, vegetables, nuts, seeds and whole grains.

With a vegan diet, you eliminate all animal products, including dairy, meat, poultry, fish, eggs and honey. Some people choose to follow a vegan diet for ethical, environmental or health reasons. While going vegan can have health benefits, there are some pitfalls to avoid.

Just because something is vegan doesn’t mean it’s healthy.

If you’re vegan, you can still technically eat vegan cookies, potato chips and other vegan junk food, which can be high in calories and low in nutrients. It is recommended to stick to whole foods as much as possible.

With a plant-based diet, you can decide whether or not you want to consume animal products, and the focus is on eating mostly foods that come from plant sources. Plant-based diets also emphasize eating whole foods, meaning the food has undergone little — if any — processing and is as close to its natural state as possible.

which is right for you?

Plant-based foods include vegetables, fruits, whole grains (such as quinoa), plant-based oils (such as avocado oil), nuts and seeds.

It's always a good idea to consult with your physician before introducing a new food program, particularly if you have an underlying health condition or have had weight loss surgery, which can affect how your body processes nutrients.

When building your plate, aim for 50% veggies, 25% whole grains and 25% lean protein.

If you are not eating meat or other animal proteins like eggs, try beans or quinoa for plant-based protein. If you occasionally eat meat, it is recommended that you stick to lean meat, fish or poultry.

Adding healthy fats — such as avocado oil when roasting veggies, a sprinkle of slivered almonds on your oatmeal or sliced avocado on your salad — will help you feel full for longer.

If you eat plenty of vegetables, fruits, healthy fats and whole grains, you should still get a good chunk of your daily vitamins and minerals because plant-based foods are high in many nutrients.

As with any dietary plan, mapping out your meals can help you stick to a vegan or plant-based diet.

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When you only have 48

good eats in Virginia Beach

hours to spend in Virginia Beach, you have to be strategic to make sure you can try some of the best eats in town in a short amount of time. Here are some top spots to eat your way through town in true Virgina Beach fashion.

48-hour foodie tour

Day One

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8:30am

9:30am

11:30am

AMERICAN BREW Serving up locally-roasted Three Ships Coffee, this place does it with style. They also have a great selection of bourbon, you know...if it’s going to be that kind of day.

CITRUS You can basically get any breakfast food you want here and they do it right. You can’t go wrong with the Citrus Pancakes, which were featured on the Food Network’s Diners, Drive-Ins, and Dives, but sometimes we just go for the Citrus Signature Homemade Bloody Marys.

THE STOCKPOT If you’re here during the colder months, or really any time of year, stop in for a cup of one of the homemade Soups du Jour, which change daily. You can thank us later.

INSPIRED MEDIA | APRIL 2022

REPEAL BOURBON 1:30pm & BURGERS Unbeatable burgers and more bourbon out of a small, cozy speakeasy in the Resort Area. Need we say more?

Oh, and 1:30 is definitely not too early for a Manhattan here.

6:30pm TAUTOG'S Seafood done to perfection in an old seaside cottage. This is what you came for, right?

WATERMAN'S 9:00pm SURFSIDE GRILLE You can’t come to Virginia Beach and not try an Orange Crush — freshly squeezed oranges, vodka, orange liqueur with a splash of lemon-lime soda. It’s paradise in a cup and Waterman’s did it first.

Day Two 8:30am 10:30am

12:00pm

1:30pm

BAD ASS COFFEE COMPANY The name speaks for itself.

BAY LOCAL EATERY This is some serious can’t-miss comfort food. The Bay Local Bennie is topped with fried oysters, poached eggs and bacon. No matter what you get, throw in a side order of tots!

THE BACK DECK Another great spot for some Orange Crushes, this outdoor eatery offers up an unbeatable view of the Lynnhaven River.

THE LANDING Fine dining at its finest. You really can’t go wrong with anything on this expertly prepared menu, which puts an emphasis on fresh, local ingredients. For a nice night out, look no further.

3:00pm

6:00pm

GRINGO'S TAQUERIA & 8:00pm BACK BAY BREWING CO Gringo’s Tacos make for the perfect late night snack. Pair that with the fact that they’re located directly next to one of our favorite local breweries, and we’re sold. Try a fish taco and wash it down with the appropriately-named Gringo Cerveza.

48-hour foodie tour

TASTE UNLIMITED With a huge selection of sandwiches and local sides, Taste is the perfect stop for a soul-satisfying lunch. We like the Hilltop with extra house dressing — simple and delicious.

Tip: take it to-go for the perfect picnic at nearby Chic’s Beach.

SONOMA WINE BAR & BISTRO Want a large selection for an afternoon glass of wine? Done!

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Virginia Beach

ANNUALEVENTS

january

Whales and Wildlife Virginia Aquarium Sea Adventure Virginiaaquarium.com 757-385-3474 Rudee Tours Winter Wildlife Cruise Rudeetours.com 757-425-3400

february

april

Virginia Arts Festival Vafest.org 757-282-2800 Historic Garden Week Tour Vagardenweek.org East Coast She Crab Soup Classic LIVEonAtlantic.com 757-385-7873

may

Polar Plunge Polarplunge.com 757-962-1575

Atlantic Coast Kite Festival LIVEonAtlantic.com 757-385-7873

Virginia Beach Restaurant Week Dineinvb.com 757-422-4420

march

Shamrock Marathon Weekend Shamrockmarathon.com 757-412-1056

Beach Music Cruise In LIVEonAtlantic.com 757-385-7873 Virginia International Pan Festival LIVEonAtlantic.com 757-385-7873 Warbirds Over the Beach Militaryaviationmuseum.org 757-721-7767 Neptune's Spring Wine Taste Neptunefestival.com 757-498-0215

CHECK visitvirginiabeach.com for the most current information on events.

Events may be added and ALL events subject to change.

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INSPIRED MEDIA | APRIL 2022

Pungo Strawberry Festival Pungostrawberryfestival.info 757-721-6001 Salute to Summer LIVEonAtlantic.com 757-385-7873 Monsters on the Beach LIVEonAtlantic.com 757-385-7873

june

Patriotic Festival A Celebration Of Our Military Patrioticfestival.com 757-486-7744 Boardwalk Art Show & Festival Virginiamoca.org 757-425-0000 North American Sand Soccer Championships Sandsoccer.com 757-368-4600 Latin Fest LIVEonAtlantic.com 757-385-7873 Ynot Wednesdays?

Sandlercenter.org 757-385-2787 Sandstock A Tribute To Rock & Roll LIVEonAtlantic.com 757-385-7873

july

october

december

Chalk The Walk Artsplosion LIVEonAtlantic.com 757-385-7873

Africana Virginia Beach Boardwalk Festival Africanavirginiabeach.com 757-324-3694

Last Night On The Town Lastnightonthetown.com 757-490-7812

Ynot Wednesdays?

Sandlercenter.org 757-385-2787

Virginia Beach Craft Beer Festival LIVEonAtlantic.com 757-385-7973

Holiday Lights Merry Mile LIVEonAtlantic.com 757-385-7973

East Coast Surfing Championship Surfecsc.com

Halloween Town & Treat Vabeachtowncenter.com 757-965-5452

Virginia Beach Funkfest Beach Party LIVEonAtlantic.com 757-385-7873

Whales and Wildlife Virginia Aquarium Sea Adventure Virginiaaquarium.com 757-385-3474

Virginia Beach Christmas Market Emgshows.com

Stars and Stripes Explosion LIVEonAtlantic.com 757-385-7873

august

Ynot Wednesdays?

Sandcenter.org 757-385-2787

september

American Music Festival LIVEonAtlantic.com 757-385-7873

Holiday Parade At The Beach LIVEonAtlantic.com 757-385-7973

Biplanes and Triplanes Airshow Militaryaviationmuseum.org

november

Rudee Tours Winter Wildlife Cruise Rudeetours.com 757-425-3400

Holiday Lights Merry Mile LIVEonAtlantic.com 757-385-7973

Vacations by Land or by Sea

Neptune's Fall Wine Festival Neptunesfestival.com 757-498-0215 Neptune Festival Boardwalk Weekend Neptunefestival.com 757-498-0215

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Princess Cruises Royal Caribbean International Norwegian Cruise Line Celebrity Cruises Holland America Line Carnival Cruise Line And More!

CALL TODAY

FOR THE BEST LAND AND CRUISE PACKAGES AVAILABLE AND ASK ABOUT SPECIAL OFFERS!

Bill Brown

Travel Advisor - Franchise Owner

(757) 707-1233

www.brownvacationtravel.com bill.brown@cruiseplanners.com @brownvacationtravel

BillBrown CruisePlanners

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ONE CALL FOR HEAVY HAUL

ORGANIZED DISMANTLING

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