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The River Region’s 50+ Lifestage Magazine
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January 2022
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The River Region’s 50+ Lifestage Magazine
BOOM!, The River Region’s 50+ Lifestage Magazine
Contents
January 2022
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Volume 12 Issue 7
You are never too old to set another goal or to dream a new dream.”
C.S. Lewis
Thought Relationships Taste Inspiration
page 16
Humor Advice Health Community
“Though no one can go back and make a brand new start, anyone can start from now and make a brand new ending.”
Carl Bard
11 Cosmetic Surgery, Baby Boomers: Dr. Blake Raggio 12 Publisher's Column 16 How to Deepen Connections With Your Grandchildren 18 How to Bathe a Cat -Nick Thomas
Happy New Year!
19 FREE WILL 22 Biscuit Pot Pie 27 Trips to Take in 2022
Features 24 Minority Entrepreneurship in America
30 Essential Documents End-of-Life Planning
38 Putting Off Retirement Might Help Ward Off Dementia
42 Travel Experiences with Jeff Barganier: A Grand Getaway
Departments 44 This and That A variety of TIDBITS
58 Greg Budell SOYLENT NIGHT
page 58
28 Nimblewill Nomad, Oldest to Trek the Appalachian Trail 33 American Founders: How People of African Descent Established Freedom 34 Life in a Box Workshop with Susan Moore
page 42
36 AUM OLLI Begins a New Year page 11
40 Late Winter Pruning By Mallory Kelley 41 Master Gardener Classes 44 A New Experience: Bald Eagle Awareness Weekends
page 24
page 52
page 30
page 45
page 46
46 Improve Your Mood in the New Year 50 How to Safely Earn More on Your Savings 52 BOOM! Cover Profile
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page 61
page 28
page 18
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60 Dry Body Brushing BenefitsTracy Bhalla 61 Caregiving Support
BOOM! The River Regions 50+ Lifestage Magazine is published monthly by River Region Publications, P.O. Box 6203, Montgomery, AL 36106. The phone number is 334.324.3472. Copyright 2022 by River Region Publications. No part of this publication can be reproduced without written permission from the publisher. Opinions expressed in BOOM! The River Regions 50+ Lifestage Magazine are those of the authors and do not necessarily reflect the view of the owners, nor do they constitute an endorsement of products and services herein.
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Dr. Blake Raggio, Facial Plastic & Reconstructive Surgeon
Cosmetic Surgery Amongst Baby Boomers
The Cosmetic Plastic Surgery Trend Self-improvement takes it shape in many forms, whether it be dieting, exercising, meditating, reading, or picking up a new hobby. With that said, there is one self-improvement element that has become more mainstream over the last two decades—Cosmetic Plastic Surgery Procedures.
Whether it be due to a culture where appearance seemingly drives societal norms (e.g., Hollywood), or where “selfies” and virtual meetings (e.g., Zoom) have become more commonplace, one thing is for sure, that is Cosmetic Procedures have become increasingly popular over the last several years, especially for baby boomers. According to The Aesthetic Society’s National Databank of Statistics, nearly 1.5 million cosmetic surgical procedures were performed in the year of 2019, marking a 6.2% increase as compared to 2015. Similarly, there has been a 13.3% rise in non-surgical cosmetic procedures since 2015, with nearly 3.1 million procedures having been performed in 2019. What about the Baby Boomers?
injectables such as botulinum toxin (e.g., Botox, Dysport, Xeomin, Jeuveau) and a wide variety of dermal fillers from
Another reason for Baby Boomers’ increased participation in Cosmetic Procedures includes the widespread use of social media (e.g., Facebook, Instagram), which has opened the door for easier sharing about one’s Aesthetic Plastic Surgery “experience.” This added familiarity and comfortability with cosmetic procedures promotes an increased participation by the older adult population. reputable companies such as Allergan (Juvederm), Galderma (Restylane, Scuptra), and Merz (Belotero, Radiesse), to name a few. Why are Cosmetic Procedures so popular amongst older adults? Cosmetic Surgery has become a widely accepted practice for older adults, including men and women alike, and there are many reasons for this increasing popularity over the last several years.
Older adults (ages 51 and up) represent a large portion of patients undergoing cosmetic procedures, constituting 39% of the aesthetic surgical patient population. In fact, nearly 571,000 cosmetic surgical procedures were performed in this older population, with some of the most popular procedures being Facelift, Eyelid Surgery, and Liposuction, amongst others.
For one, the social stigma that used to surround the field of aesthetic plastic surgery is nearly gone. This is especially true as more and more people, including older adults, are focusing on their outward appearance as it relates to their health and self-improvement. Perhaps the Baby Boomers’ understand what scientists have known for years, in that attractive people tend to be more successful in life.
Regarding non-surgical therapy, older adults underwent nearly 1.5 million procedures in 2019, representing roughly 47% of the non-surgical aesthetic patient population. Among these nonsurgical interventions, some of the most common procedures performed included
For instance, data suggests more attractive people tend to be more successful in the workplace. With that said, Baby Boomers often engage in cosmetic procedures to remain competitive in the workplace where younger colleagues tend to dominate.
The River Region’s 50+ Lifestage Magazine
For other older adults, an improved appearance may restore their confidence and help improve their love-lives.
Whatever the reason, the Baby Boomers represent a large portion of patients who continue to experience all the wonderful benefits associated with undergoing cosmetic procedures to improve or maintain one’s appearance. What if I am interested in a cosmetic procedure? Whether you are considering a facelift to look your best for your daughter’s upcoming wedding, or whether you are interested in receiving filler under your eyes to look less tired, you should consult with a physician who has specialty training in the area you are looking to improve. Furthermore, ensure your doctor is well versed in both surgical and non-surgical facial rejuvenation procedures, so that you are guaranteed a comprehensive evaluation. Lastly, choose a surgeon whom you trust. There is nothing more important than the relationship you have with your physician. In Good Health, Dr. Blake Raggio Facial Plastic & Reconstructive Surgeon
Alabama Plastic and Reconstructive Surgery
334-373-3611 www.ALplasticsurgery.com Dr.Raggio@alplasticsurgery.com R ive r Re gio n Bo o m . co m
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Publisher’s Letter
Find Your Challenges Are you better off today than you were a year ago? What's changed? Have you achieved more? Have you become a better version of yourself? Have you tried to implement any self-development? Do you even care about improving yourself?
The mission of BOOM! is to serve the folks of the River Region age 50 plus with information and ideas to inspire new experiences, better quality of life and new beginnings.
Publisher/Editor Jim Watson 334.324.3472 cell/text jim@riverregionboom.com
Contributing Writers Danielle Barbieri Cindy Barganier Jeff Barganier Tracy Bhalla Greg Budell
Barbara Danza Christine Davis Leslie Hunter-Gadsden Polly Hardegree Jeremy Keil Mallory Kelley Craig Miller Susan Moore Dr. Blake Raggio Nick Thomas
Cover Photography Photography by DiAnna Paulk photographybydiannapaulk.com
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Jim Watson, 334.324.3472 jim@riverregionboom.com
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Jim Watson, Publisher jim@riverregionboom.com
Usually, I examine my state of being about this time of year. My successes, my flaws, my relationships, my hopes, my dreams, my failures, my mortality…You may do the same in one form or another. God willing, I want to know what’s next and in so doing I want to challenge myself to have a say in the outcomes.
This year will be filled with challenges because I’m not getting any younger, but I am getting better at thinking about life and what I want from my effort at living it. I will stretch my boundaries and explore new experiences and new achievements. I think the aging process requires challenges to help us be our best, whether it’s a new purpose or a new goal, or maybe it’s a new dream to share, either way I hope you have a new year full of positive challenges to help you grow and appreciate the value of our precious time. This month’s issue has much to read and enjoy, beginning with our cover profile, Polly Hardegree. Polly is an executive with River Bank & Trust and was part of the founding team when RBT was started in 2006. She has been in the banking industry for 48 years and as a woman, she had to meet many challenges to achieve the level of success she has achieved. She has been a pioneer and role model for many women through the years. Also, her strength at building relationships with her customers has served her very well in her executive roles with River Bank & Trust. Polly loves her family (she and husband Don have been married 53 years), especially her grandsons! I enjoyed getting to know Polly in this month’s feature and I’m sure you will too. There are many more good reads for your reading pleasure including a little trip the Grand Hotel in Point Clear, Alabama from our Travel Writer Jeff Barganier. He simply inspires me to get up and go when I read his features. My friend Greg Budell has brought back his experiences with a movie we all saw back in the 70’s and it appears to resemble our present world, Greg walks us through the comparison, eerie indeed. Other topics we’ve covered this month include avoiding retirement to avoid Dementia, yikes! A few tips on how to have a deeper connection with the grand kids and Nimblewill Nomad, Oldest man to Trek the Appalachian Trail. For the new year, we have a few tips from the experts on how to improve your mood in the new year, you know who you are:) There’s more good reads so please take a few minutes and enjoy the experience; it was created for you. Thanks to all of our readers and your feedback. We’re looking forward to making a contribution to the art of aging well again this year. Until then remember, Find your challenges and grow!
Jim
334.324.3472 cell/text
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By Barbara Danza
How to Deepen Connections
With Your Grandchildren Babysit
Few relationships are as special as those between grandparents and their grandchildren. If you’re blessed with grandchildren, if your grandchildren are blessed to have you as their grandparent, make the most of this gift by adding some intentionality to your relationship. Here are a few simple ways to deepen your bonds with your grandchildren.
Your children could use help, no matter the ages of your grandchildren. The simplest way to ensure you’re spending time with your grandchildren is to offer to babysit. Allowing their parents to do their Christmas shopping, sending them out to dinner, or simply giving them a day or two to catch up on life will be appreciated more than you may realize and will be a joy for you and your grandchildren.
Share Your Stories
Take out that old box from the attic, the slide projector from the garage, the photo album from the shelf, or the home videos from long ago and share them with your grandchildren. Toss aside any worry that you’ll bore them. They’ll delight in seeing their grandmother or grandfather as a young woman or man. They’ll see themselves in your experiences and the lessons you learned. Whether your story is about a cake you once made that went awry or your military service—the big and small stories alike are all big to your loved ones. Sharing stories strengthens the fabric of the family. So, tell your stories, share your memorabilia, entertain every question that springs up, and do so often.
Ask for Help
You could probably use some help around the house, in the garden, or out running an errand. Involve your grandchildren. Show the little ones what you’re up to and allow them to help in whatever way they can. A toddler can hold a flashlight while something is fixed or mix the ingredients after they’re added to a bowl.
As your grandchildren get older, know that asking for their help is good for them and allows them to show their respect as well as to contribute to the overall well-being of the family. You can take joy in thanking them with a plate of freshly baked cookies or a simple hug. Helping one another is what family members do. Don’t hesitate to kindly enlist the help of your grandchildren, for you and for them.
Single Each One Out
Designate special days for each of your grandchildren to visit or go somewhere with you. Spending one-on-one time with your grandchild will allow both you and your grandchild to get to know one another as individuals. Ask them about their interests, allow them to choose some of the activities you do, teach them something new, and answer all of their questions. A special day with your grandparent all to yourself is the stuff lifelong memories are made of.
Travel Together
Few experiences allow for undivided attention among participants like a travel adventure. Plan a vacation with your children and grandchildren so that you can all experience something new together—away from the distractions of everyday life. This is also a nice idea for grandparents who live far away from their grandchildren. Meet up in a central location and take in the sights together as a family.
Be a Pen Pal
Speaking of grandchildren who live far away, in addition to video chats and the times you do get together with your grandchildren throughout the year, establish a pen pal relationship with your grandchildren. You may not realize what a delight it is for the modern child to receive physical mail at home. They’re used to all digital communication, so sending on a simple note or a box filled with treats—and requesting a response in kind—can become a delightful family tradition to uphold throughout the years. Source: www.theepochtimes.com
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Jest a Moment
How to Bathe a Cat
With the New Year comes parties, celebrations and, for some, the inevitable hangover. So if you’re looking for an effective morning-after remedy, try bathing a cat. When that cute, cuddly furball hits the water and transforms into a murderous bitingclawing demon, you’ll be astonished how quickly that nauseated ‘just let me die’ mood is replaced by the desire for self-preservation. Since bathing a cat is not without risks, here’s a 13-step guide to prepare for that Man versus Beast aquatic confrontation, based (more or less) on painful personal experience:
Step 1: Find cat. This may seem a rather obvious initial step, but cats can be particularly resourceful at devising stealth tactics should they suspect a dunking is imminent. So check the stairs, behind the sofa, in the clothes dryer, up the chimney, in your neighbor’s sock drawer, Mars. Step 2: Place cat in sink/bath. At this point, suddenly realizing you’ve forgotten the cat shampoo bottle, fetch it and return. Step 3: Find cat and place in sink/bath, again.
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By Nick Thomas
Step 4: Softly repeat comforting phrases like “good kitty.” But be aware that the sole purpose of such verbal reassurances is to build your self-confidence and resolve since they will have absolutely no pacifying effect on the animal.
Step 5: Place cotton balls in cat’s ears. This is not to prevent water getting in, but to avoid further frightening the cat from your screams. Step 6: Turn on faucet, pouring water and shampoo over cat. Attempt to lather. Step 7: Remove cat from head and return hissing, scratching, wailing animal to sink/bath. Reach for towel to wipe soap and blood (yours) from face. Step 8: Find cat. Again. Step 9: Slip on wet, soapy floor while attempting to replace enraged cat back in bath/sink.
Step 10: After regaining consciousness, find cat again. Step 11: Return drenched, soapy, howling, cat to sink/bath. Lather, rinse, towel dry, and release. Step 12: Crawl to phone and call 911 to request assistance. While waiting for ambulance, disinfect any area where excrement may have been deposited; also check if the cat left any. Step 13: Relax, and welcome in the New Year – while being carried out on stretcher. Nick Thomas teaches at Auburn University at Montgomery in Alabama, and has written features, columns, and interviews for many newspapers and magazines. See www.getnickt.org.
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Biscuit Pot Pie
The ultimate comfort food! So cozy + so darn good! It combines two of the best things: a creamy, oh-so-cozy, hearty pot pie filling and flaky biscuits.
Ingredients: _ 1/4 cup unsalted butter _ 1 sweet onion, diced _ 2 carrots, peeled and sliced _ 2 celery ribs, diced _ 3 cloves garlic, minced _ 2 teaspoons chopped fresh thyme leaves _ 1/4 cup all-purpose flour _ 1/4 cup dry white wine* _ 2 1/2 cups chicken stock _ 1 cup half and half _ 3 cups shredded rotisserie chicken (or turkey) _ 1 cup frozen peas _ 2 tablespoons chopped fresh parsley leaves _ Kosher salt and freshly ground black pepper, to taste _ Flaky Mile High Biscuits (made ahead of time) Directions: 1) Preheat oven to 350 degrees F. 2) Melt butter in a large stockpot or Dutch oven over medium heat. Add onion, carrots and celery. Cook, stirring occasionally, until tender, about 3-4 minutes. Stir in garlic and thyme until fragrant, about 1 minute. 3) Whisk in flour until lightly browned, about 1 minute. 4) Stir in wine, scraping any browned bits from the bottom of the stockpot. 5) Stir in chicken stock and half and half. Bring to a boil; reduce heat and simmer, stirring occasionally, until thickened, about 6-8 minutes. 6) Stir in chicken, peas and parsley; season with salt and pepper, to taste. Top with biscuits. 7) Place into oven and bake until bubbly and biscuits are heated through, about 8-10 minutes. 8) Serve immediately. Source: www.damndelicious.net
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The State of Minority
Entrepreneurship in America By Leslie Hunter-Gadsden
There's no doubt that the pandemic has had a huge effect on small businesses in America. But minority entrepreneurs — and more specifically, minority entrepreneurs over 50 — have faced particular challenges, as well as some opportunities. 2020 produced a surge in the creation of Black-owned businesses. Overall, people of color represent about 32% of America's population, but only 18% of its business owners. The racial difference in entrepreneurship is especially true among older owners. A recent survey by Guidant Financial and the Small Business Trends Alliance showed that while 46% of white small business owners are boomers (age 57 to 75), only 28% of minority business owners are. Minority ownership took a serious hit at the height of COVID-19, according to the Federal Reserve Bank of New York. From February through April 2020, the number of Black-owned small businesses fell 41%, Latinx small business ownership dropped by 32% and Asian ownership by 26%, while the number of white businesses slid by just 17%. Minority Entrepreneurship and the Pandemic Over the past 10 years, however, Latino entrepreneurs "have started small businesses at a higher rate than any other demographic," Time magazine recently noted. The news for Black entrepreneurs lately has been both positive and negative. According to the Ewing Marion Kaufman Foundation — which studies entrepreneurship in America — 2020
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MV Escapes Concierge owners Carol Bliss Furr (left) and Donna Wilmarth (right) Credit: Courtesy of MV Escapes Concierge
produced a surge in the creation of Black-owned businesses; about one in 250 Black adults started a new venture during that pandemic year. However, the New York Fed found that declines in revenue and employment between 2019 and 2020 were most severe for small businesses owned by people of color. And, according to the U.S. Census Bureau, Black Americans own just 2% of small businesses with more than one employee. For Carol Bliss Furr and Donna Wilmarth, Black entrepreneur partners who are over 65, staying in business during the pandemic has required flexibility. They own MV Escapes Concierge, which specializes in event planning, staging rental properties and weddings on Martha's Vineyard in Massachusetts. "Some of the corporate events that we thought we would do got pushed away by clients until 2023 due to COVID," said Furr. Spreading the Word About Black-Owned Businesses Networking through local social organizations plus word of mouth helped MV Escapes Concierge create and grow a client base. Being in the 2021 Martha's Vineyard Black Owned Business Directory, developed by local entrepreneur India Rose, also helped MV Escapes Concierge stay afloat.
All the retailers in Rose's directory got a decal to put in their windows showing that they were Black-owned businesses. Said Rose: "After the Black Lives Matter marches, everyone wanted to seek out and support Black businesses, and that has continued." Furr, a former dean and fundraiser at Roxbury Community College, said she and Wilmarth — former program coordinator at the Harvard Business School — started their business with their own savings. "We did not want to get into borrowing a lot of money," said Furr. Entrepreneur and business consultant Rose says access to capital is "the biggest hurdle" for most Black-owned businesses. Rose found that the pandemic provided an opening for some minority entrepreneurs like her. In 2020, she opened what she calls a motivational sportswear and accessory company, Sideline Sports. "Due to the pandemic, a lot of businesses were closing, but it was also creating an opportunity for online and brick and mortar businesses as retail space became available," Rose noted. Hilary Mason King, the Black sixtysomething founder of the sixyear old company Creative Moves in The River Region’s 50+ Lifestage Magazine
Cleveland (which helps older adults relocate and downsize), says the lessening dangers of the coronavirus lately have been a boost for businesses like hers. "We've grown over the past year. I think initially people were afraid of moving due to COVID," said Mason King. "Now people are moving again, toward either assisted living or from houses to condo apartments." Like Furr and Wilmarth, Mason King bootstrapped her business. "I didn't seek any capital loans," she noted. Helping People Find Black-Owned Businesses Identifying minority-owned businesses is the startup brothers Michael and Bryan Sadler plan to launch in January 2022. They hope to create a free, national electronic platform to find, share and review companies that are Black-owned or Black-allied. "We want to be a single solution provider to people who want to find Black businesses through our platform — the Black Business Co. or BBCO," said Michael Sadler, 31. "What I've found is that there is a ton of passion from the fifty-plus age group in starting businesses." He thinks the platform could be especially useful for older minority entrepreneurs. "What I've found is that there is a ton of passion from the fifty-plus age group in starting businesses," he noted. The future for minority-owned small businesses is hardly bleak, but experts say there are several roadblocks to success. A 2021 report by the New York Fed put it this way: "Firms of color continue to face structural barriers in acquiring the capital, knowledge, and market access necessary for growth." These small businesses, the researchers said, "tend to have weaker banking relationships, The River Region’s 50+ Lifestage Magazine
experience worse outcomes on credit applications, and are more reliant on personal funds," noting that minority entrepreneurs face disproportionate challenges compared with white business owners. "When we think about the loans and capital needed, many of the companies that are run by minorities just don't have the same situation as businesses run by white-identifying owners," said Nakeisha S. Lewis, associate dean and diversity, equity and Inclusion ambassador at the Opus College of Business, University of St. Thomas in St. Paul, Minn. (EIX, the Entrepreneurship Innovation Exchange at the university's Schulze School of Entrepreneurship, is a funder of Next Avenue.) And, Lewis added, "the folks who get the venture capital [funding] tend to not be women, Black or Hispanic." According to the Minority Business Development Agency (MBDA), over the last 20 years, minority-owned businesses received an average of $3,379 in new equity investments, less than half the $7,858 of white-owned businesses. And a McKinsey & Company report found that just 29% of Black small-business owners are approved for bank loans while 60% of white entrepreneurs are. Advice for Minority Entrepreneurs Over 50 Lewis offered this advice for entrepreneurs of color who are 50 or older (which could be equally applicable to older white entrepreneurs): keep current with the way customers prefer to pay and what matters to them when choosing where to spend their money. "What if a customer doesn't use cash or a credit card, but wants to use Apple Pay or Google Pay?" she said. It's important to be able to serve him or her. Also, Lewis said, "nowadays, consumers who are millennials or Gen Z want to know the social consciousness of a company — what's going on behind the scenes." So, she noted, older entrepreneurs need to ask themselves:
"What are the levers they need to pull to engage with these customers?" If a business uses recycled material or volunteers with a nonprofit, for example, that's something they need to communicate to potential customers, Lewis said, because it might bring added value to their business. Lewis urged 50+ minority entrepreneurs to work on ways they communicate their branding, too. "You need to understand what you bring to the marketplace," she said. Finally, Lewis advised people of color who are hoping to become entrepreneurs to take advantage of local and national resources that can help start, and grow, a business. "Particularly after the murder of George Floyd, more institutions are making more of an effort to help minority entrepreneurs," she said. See if there is a targeted Chamber of Commerce for local minority businesses, Lewis said. And, she recommended, get free mentoring from SCORE — the national organization of retired business executives affiliated with the U.S. Small Business Administration. Mason King credits some of her business' success to the time she spent tapping into the Chamber of Commerce and Cleveland's SCORE mentors. But she also credits referrals to bolstering her company's growth. "Word of mouth is still very important in East Ohio, especially when family members are trying to help older relatives who may be frail," said Mason King. "They want someone they can trust. They are happy to see a minorityand woman-owned business." Leslie Hunter-Gadsden is a journalist and educator with over 25 years experience writing for print and online publications. She has covered business and a variety of topics for several consumer and trade publications and media outlets including Next Avenue, Black Enterprise magazine and Sisters from AARP newsletter. Source: www.nextavenue.org
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83-Year-Old Man From Alabama the Oldest to Trek the Appalac
M.J. Eberhart, 83, carefully makes his way through large rocks wh Hayes on the Appalachian Trail. (Robert F. Bukaty/AP
An 83-year-old man from Alabama started walking when he retired more than a quarter-century ago—and has never stopped. M.J. “Sunny” Eberhart strode into the record books as the oldest hiker to complete the Appalachian Trail. Eberhart, known by the trail name Nimblewill Nomad, acknowledged that despite having tens of thousands of miles under his belt, the trail was tough going at his age, leading to quite a few spills on slippery rocks. “I’ve a got a couple of skid marks on me, but I’m OK,” he said in a recent interview. “You’ve got to have an incredible resolve to do this.” Jordan Bowman, of the Appalachian Trail Conservancy in Harpers Ferry, West Virginia, confirmed that Eberhart is the oldest to finish the trail. The man with flowing locks and an impressive beard actually hiked farther than most who traverse the 2,193-mile trail that runs between Georgia’s Springer Mountain and Maine’s Katahdin. He started his hike in February at his home in Flagg Mountain, Alabama, adding hundreds of extra miles to the route. The journey represented a modest distance, relatively speaking, for someone who has trekked 4,400 miles from the Florida Keys to northern Quebec, which he completed in 1998—an adventure that he even
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chronicled in a book, “Ten Million Steps,” which was eventually published in 2002. He later hiked from Newfoundland in Canada to Florida for an even greater distance, and then more modestly from Chicago to California on Route 66.
a Becomes chian Trail
However, on this hike, Eberhart said he was feeling his age. His reflexes aren’t hile descending Mount what they once were, so P Photo). he tried to limit himself to eight hours of hiking a day. On a recent day in New Hampshire, he took a tumble and bloodied his elbow. A hiking companion asked if he wanted to take a break, to which Eberhart responded: “Do you think if I complain about it, it will go away?” The elderly man had begun his wanderlust in earnest after retiring as an optometrist in Florida in 1993. His first major hike coincided with a search for peace after lugging emotional and mental baggage that involved a divorce and losing the respect of his children, he said. He eventually found his peace and forgiveness. “You can seek peace. That doesn’t mean that you’re going to find it. I persevered to the point that the good Lord looked down on me and said you’re forgiven, you can be at peace,” he said recently during a break near the Maine-New Hampshire border. “It’s a profound blessing. It’s as simple as that.” With the hike over, Eberhart will return to his home at Flagg Mountain, the southernmost mountain topping 1,000 feet in the Appalachians, where he serves as caretaker of a fire tower and cabins built by the Civilian Conservation Corps. Source: www.theepochtimes.com Editor's Note: Jeff Barganier wrote about Nimblewill Nomad when he shared his story about The Pinhoti Trail in north Alabama, read more here, https://tinyurl.com/y6plaaez The River Region’s 50+ Lifestage Magazine
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By Danielle Barbieri
Essential Documents
End-of-Life Planning
Of all the things that most of us postpone, end-of-life planning must be at the top of the list. Who wants to think about the end of their life when it hasn’t happened yet and could be years away? The sobering fact is that an accident or illness can happen at any age and scrambling to put end-oflife documents in place during a time of crisis can lead to family conflict and disagreement over your wishes. Not only is advanced planning complicated, but to make things more challenging, every state has different names for similar documents. Still, the goal is the same — to allow you to state what you or your family member wants for healthcare interventions and who is designated to carry out those wishes. The documents we will discuss will also serve a dual purpose of guiding your family during times of medical and financial need. We will conclude with some tips on having these challenging conversations about preplanning with your loved ones. Advance Directives The term advance directives cover a group of documents that ensure your medical treatment decisions are followed if you are no longer able to communicate. The inability to communicate could be due to severe dementia, a medical event, or unconsciousness. These documents should be reviewed yearly or as often as needed according to your changing health or family status. 1. Living Will A living will is a document that outlines the specific medical treatment you want and don’t want if you are unable to communicate. In some cases, you may prefer to let a trusted family member make those medical decisions outlined in your healthcare power of attorney. For urgent or unusual circumstances, such as for a terminally ill or very frail older adult, you may want to consider a Physician’s Order for Life-Sustaining Treatment (POLST). A doctor must sign the POLST (or MOLST in some states) to be valid.
2. Healthcare Power of Attorney This document designates someone as your health care proxy or power of attorney to make any medical treatment decisions if you cannot make them for yourself. In some states, the healthcare power of attorney will act as a HIPPA release allowing you to obtain healthcare information to assist in a loved one’s care. Some healthcare power of attorney documents also allow you to designate a legal guardian should you be deemed incapacitated. 3. HIPPA Release A release of your rights under the Health Insurance Portability and Accountability Act (HIPAA) allows the loved ones you designate to access your medical information. Some healthcare entities will require a separate release for each facility. Estate Planning Documents Estate planning documents allow you to designate someone to make financial decisions on your behalf if you cannot while alive or after your death. 1. Financial Power of Attorney You may need a financial power of attorney for your aging parent sooner than you think, and without it, you will be immobilized in your efforts to help. For example, imagine if your parent has dementia and succumbs to fraudulent activity or a scam. It will be tough to intervene on their behalf without legal authority.
2. Will You can create a will to ensure all of your property, money, investments, and other possessions are given to the people you choose. A handwritten will is acceptable in some states, but you should check the legal status of such a will with an estate planning attorney. Understandably you may be confused about the difference between a will and a trust. 3. Trust There are different types of trusts, but the primary purpose is to allow you a vehicle in which to place all of your assets to avoid probate court. The trustor or grantor is the person who sets up the trust, and the trustee is the person or entity responsible for managing those assets according to the wishes of the trustor. 4. Funeral and Burial Arrangements If you don’t designate what burial arrangements you want after death, it can cause family conflict. Not everyone holds the same values and principles around death and dying. If you want a cremation, you should put it in writing. The same goes for an earth burial. Spell out any specific funeral services or celebrations. Some people opt for a pre-paid plan to lock in pricing and take the burden off of their loved ones left behind. How to Have the Conversation Getting things started with end-of-life planning can be rocky. It is almost always better to start the conversation as early as possible while your loved one has the capability and capacity to make decisions. Let’s start with some tips for starting and continuing the conversation. • Be Respectful You may encounter resistance when beginning discussions of end-of-life planning. Resistance may be due to a reluctance to talk about the end of life. Reassure your loved one that you don’t think they are about to die! You simply
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want to discuss ways to ensure that their wishes are honored. It is not about taking away their independence. Many people don’t understand that discussions alone are irrelevant. Everything must be in writing. Discussions are a means to an end: the creation of written documents that express the person’s wishes in as much detail as possible. • Give Examples A general conversation about advance planning and beneficiary designations might not be productive: give specific examples of situations where you may need to step in to advocate for your family member in case of an accident or illness. These examples will create possible scenarios that will clarify the value of endof-life planning. • Have Several Conversations Try not to expect to build Rome in a day. End-of-life planning is complicated and emotional. Accept that the process will take patience and anticipate having several conversations, but keep the ball rolling. Sharing the Information Now that you and your family have completed the hard work of getting endof-life documents in place, where should they go? If you have the option of an online portal to keep these documents safe and accessible, it can be a great way to give access to family members in a time of need. Many advance directives have a contingency person if the primary designated person can’t perform their duties. That person needs access as well. Paper copies are also a must for healthcare providers and hospitals. Every healthcare provider needs a copy of the advance directives. Also, consider copies of all financial documents for a financial advisor and estate planning attorney. If the advance directives are locked away in a safe and the designee is out of town during an emergency, that could create a significant problem. End-of-Life Planning for Peace of Mind The greatest benefit of starting your end-of-life planning is peace of mind, for you and your loved ones. We encourage everyone to take a few moments and think through this process as we begin the New Year.
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Help Wanted: Community Development Director, Haven Memory Care on Halcyon Come Join our Team! At Haven Memory Care on Halcyon, we are committed to providing the highest level of Alzheimer’s and dementia care for our residents. As an employee you can look forward to excellent benefit options, below are just a few: • Competitive Pay • Paid Training • Open Interviews, Walk-Ins Welcome • Generous PTO Plan (Paid Holidays) • Overtime Pay • Health/other insurance •Retirement Plan • COVID-19 Precaution(s) Position Purpose: The Community Development Director’s primary responsibility is to establish a relationship with new prospects and their influencers to facilitate a tour, reservation and successful move into the specialty care assisted living environment it is vital that this person
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have a high-level energy, is motivated and outgoing personality. The position responsibilities and activities are at all times conducted with professionalism, integrity through words and actions reflecting the values of Haven at Halcyon. Primary Duties and Responsibilities: • Directs and implements the organization’s advertising and promotional activities. • Analyzes target market information to identify and recommend effective marketing approaches. • Identifies new market segments that will benefit from company products.
• Prepares effective advertising campaigns based on market research. • Maintains knowledge on emerging products and services. • Collaborates with senior executives to develop growth plans for the organization. • Forecasts, drafts, implements, and oversees the department’s operating budget. • Performs other related duties as assigned. Experience Required: • 3 year(s): Marketing and public relations experience in a healthcare related environment. Prior leadership experience a PLUS! Education Required: • Bachelors or better in Marketing or healthcare-related field. To apply visit https://tinyurl. com/2p888uk6 and search Community Development Director.
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American Founders: How People of African Descent Established Freedom in the New World American Founders reveals men and women of African descent as key protagonists in the story of American democracy. It chronicles how black people developed and defended New World settlements, undermined slavery, and championed freedom throughout the hemisphere from the sixteenth thorough the twentieth centuries. While conventional history tends to reduce the roles of African Americans to antebellum slavery and the civil rights movement, in reality African residents preceded
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the English by a century and arrived in the Americas in numbers that far exceeded European migrants up until 1820. Afro-Americans were omnipresent in the founding and advancement of the Americas, and recurrently outnumbered Europeans at many times and places, from colonial Peru to antebellum Virginia. Africandescended people contributed to every facet of American history as explorers, conquistadores, settlers, soldiers, sailors, servants,
slaves, rebels, leaders, lawyers, litigants, laborers, artisans, artists, activists, translators, teachers, doctors, nurses, inventors, investors, merchants, mathematicians, scientists, scholars, engineers, entrepreneurs, generals, cowboys, pirates, professors, politicians, priests, poets, and presidents. The many events and mixed-race individuals included in this book underscore that black and white Americans share the same history and, in many cases, the same ancestry. American Founders is meant to celebrate this shared heritage and strengthen these bonds. www.newsouthbooks.com
WIN THIS BOOK Text "I Love to History" to 334.324.3472 then you'll be entered to win a copy of “American Founders”
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Use the Pandemic to Get Organized-Life in a Box Workshop
Are your records organized? If something were to happen to you would it be easy for loved ones to take over your affairs or settle your estate? Would they know where to find all your necessary healthcare information, legal documents, passwords, and PINs? Would they know how bills are paid and how sources of income are credited to your bank account?
Not to worry. Every January, we conduct a workshop at the Montgomery Moore Wealth Management office called Life in a Box. We give you a step-by-step approach to gather all relevant records, so they are all contained or referenced in one fire-resistant box. We will conduct the 2022 webinar at noon on Wednesday, January 26th. For further information and reservations, please call 334.270.1672, or email sarah@moorewealthmanagement. com. If you miss the webinar, we also offer free consultations that are without obligation. The ten categories we cover in detail include healthcare, estate planning, tax records, investments and bank accounts, liabilities, insurance, military records, personal identification documentation, deeds and similar documents, and a miscellaneous
Financial Thoughts with Susan Moore
By Susan Clayton Moore, J.D.
Principal of Moore Wealth Management, Inc.
one that covers pet information, house maintenance, etc. In addition, we go over what to keep where, for example, in a safe deposit box, fire-resistant box at home, in a file cabinet or with your attorney or financial advisor. For example, it is advisable NOT to keep the only original of your will in your safe deposit box and we will tell you why. Another example is your passport. A copy of the passport should be kept in the safe deposit box, but not the original, and we will tell you why. We also go over ways to manage technology. If something were to happen to you, loved ones need to be able to access electronic as
well as paper records. To do so, they have to know passwords and PINs. We go over electronic means to store passwords and PINs so loved ones can access them in an emergency and help protect you from identity theft.
Make one of your new year’s resolutions to get your records organized. Our webinar and method is designed to help you get your Life in a Box organized. We make it easy so once organized, it is easy to keep it that way! Susan Clayton Moore, J.D., is a financial advisor and wealth manager of Moore Wealth Management, Inc.., with offices in Auburn, Montgomery, and Alexander City, AL. Susan has under advisement over $170 million (as of 3.31.2021) in brokerage and advisory assets through Kestra Financial and has been a financial planner for over 38 years. Contact Susan at 334.270.1672. Email contact is susan@moorewealthmanagement.com. The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra Investment Services, LLC or Kestra Advisory Services, LLC. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney or tax advisor regarding your individual situation. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Kestra IS or Kestra AS are not affiliated with Moore Wealth Management, Inc. https://bit.ly/KF-Disclosures
Life in a Box Workshop January 26th, Noon, Call today and register, 334.270.1672
Topics include: healthcare, estate planning, tax records, investments and bank accounts, liabilities, insurance, military records, personal identification documentation, deeds and similar documents, and a miscellaneous one that covers pet information, house maintenance, etc.
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AUM OLLI Begins a New Year AUM OLLI had a successful term in the fall of 2021 with the return to in-person classes that adhered to safety protocols. Building on that accomplishment, the schedule for the 2022 Winter Term contains a wealth of options in all three categories – study/discussion, active, and hands-on (creative). Enrolling in AUM OLLI in this new term allows members to fulfill New Year’s resolutions to become active physically, mentally, and creatively. Options for developing physically include Tai Chi for Pain Management, line dancing, hiking, and birding. Each of these three classes has a different approach for physical demands, so members should read the course descriptions carefully. The “mental” courses are art studies at the museum, an art history course, and a course that will focus on issues of the Middle East region. The brain bowl option also presents mental challenges
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for the participants. Since these courses are offered at different times, members can really challenge themselves and take all the discussion courses. There are at least two courses that bridge the mental and creative categories: Photography – Practicing the Art of Seeing and the writing workshop (which studies writing with the option of “publishing” a memoir-like selection at the end of the term). With the return of in-person classes, AUM OLLI has been able to offer more hands-on (do-it-yourself) courses. On the schedule are: jewelry, using pieces of torn paper to create art, pine needle basket weaving, and painting with watercolors. As with the “mental” category of classes, the hands-on classes are offered at different times. Participants can really challenge themselves creatively by taking more than one of the options. However,
this category has limits on openings, so people need to register early in the process. Registration opened on December 08, 2021, at noon, so late registrants may go onto a waiting list. AUM OLLI members cannot only learn new things, develop new skills, and become active, but they can also make new friends and become part of communities. Some of the classes are going to lunch together in addition to meeting in the classroom, even when classes are not in session. Lunch presentations and scan QR code for more field trips are also scheduled. See the catalog for details. Go to the website www.aum.edu/olli for a detailed look at the 2022 Winter schedule.
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By Craig Miller
Putting Off Retirement Might Help Ward Off Dementia
We've all heard someone say it: they've decided to keep working beyond retirement age to "keep their mind sharp." Now, that widely held notion has some science behind it. Three researchers at the Max Planck Institute for Demographic Research in Germany have released a study showing measurable differences in cognitive decline between those who bow out of the workforce earlier versus later in life. Some of the differences were stark. "Oh, it's absolutely substantial," says Jo Mhairi Hale, a sociologist at the University of St. Andrews in Scotland and the lead author on the study. Hale's team drew its data from the massive Health and Retirement Study, an extensive ongoing trove of information of 20,000 Americans maintained by the University of Michigan. What the Study Found About Cognitive Decline The authors didn't try to pinpoint an optimal retirement age — that would depend heavily on individual circumstances — but their results do suggest that generally speaking, sticking it out until age 67 (vs. retiring between age 55 and 66) can ward off the type of cognitive decline suffered by people with Alzheimer's disease. "The three of us who wrote the paper are not suggesting that it's paid work per se that is protective against cognitive decline. We think it's cognitive engagement." Subjects in the study averaged a onethird reduction in typical cognitive declines observed in people aged 61 to 67. What's more, the positive effects can be enduring, say the authors, lasting from age 67 at least through age 74.
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Beverly Farr doing a "brain-training" exercise on her computer (Credit: Courtesy of Kristin Farr)
Hale says one surprising finding was that it doesn't appear to matter what kind of work you do — whether it's highly brainintensive or nearly mindless. It all helps. In fact, the cognitive benefits may not be related to paid employment at all. "The three of us who wrote the paper are not suggesting that it's paid work per se that is protective against cognitive decline," Hale told Next Avenue. "We think it's cognitive engagement." That idea is borne out by some of the specific findings of Hale's team, including that just having a life partner offers some protection against decline. "What if you retire at age sixty but you're a grandparent and part of your daily activity becomes grandparenting?" muses Hale. "Or you're an active volunteer. Or you work part-time as a museum docent or whatever. Does that provide the same sort of protective effects against cognitive decline? I would guess that it does." The thing that matters, Hale said, "is cognitive engagement, not that you get a paycheck for your cognitive engagement."
A 75-Year-Old Finding Ways to Challenge Herself Case in point: Beverly Farr of Richmond, Calif. At 75, she's been retired from her work as an educational researcher for more than five years, but that doesn't mean she's slowed down. On the contrary. "I just liked being active and I wanted to stay active," says Farr. "And I think a little part of that was the idea of keeping your mind active and, you know, just being active in general." That she has done. Today, Farr juggles church activities with being a courtappointed advocate for foster youth. She's also taken on the daunting task of presiding over the homeowners' association of her 488-unit condo complex. As if that weren't enough, when her brother, Roger, died in 2019, Farr took over managing his boutique research firm part-time. She especially credits the often thankless homeowners' association work for keeping her on her toes.
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"It just energized me," Farr says. "It just gave me a lot of energy and a lot of excitement and drive about getting things done."
adaptability and flexibility. I think that has consequences for brain health."
Irving says the Max Planck results help affirm earlier research, including one 2018 study that found Hale notes this kind that "positive age of engagement beliefs" can be a buffer appears to benefit A recent study shows there's men and women science behind staying busy to against dementia, even in those genetically alike, even though keep your mind sharp... predisposed to ageprior studies have related cognitive loss. shown that men tend to be more dependent on their Irving points to other research that jobs for their personal identity and social suggests factors such as purpose, networks. It also applies across racial and connection and lifelong learning are on a ethnic differences. par with body mass index, smoking and exercise as determinants of longevity. "I wasn't surprised at all," says the Milken Institute Center for the Future of "Having some sense of challenge, having Aging's Paul Irving, after reviewing the a reason to wake up in the morning — study's findings. (He's also a Next Avenue Influencer in Aging.) best defined as purpose," says Irving, whose 2014 book, "The Upside of Aging," emphasized the importance of the The Importance of Purpose "P-word." "Meeting other people and engaging with other people is stimulating," Irving "This notion of purpose throughout life, says. "Work can be challenging and but particularly the realization of purpose can provide opportunities for learning. later in life, just couldn't be more A changing environment requires
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important," says Irving. "And that can be achieved in many ways. We all define our own purpose, and it might be family or community activity or volunteering. But work can very much be part of that." People who feel a sense of purpose, are engaged and continue to involve themselves in the world, Irving adds, tend to be happier and healthier. "And the corollary benefit is that they're continuing to provide value — their wisdom and judgment and experience — which benefits all of us, young people as well," notes Irving. Hale's major takeaway from her team's results: " I think what we could say is that you need to stay cognitively engaged, like basically forever, as long as you can. And honestly, that's not about doing crossword puzzles. I mean, do your crossword puzzles, but cognitive engagement needs to be seen much more broadly. Our paper suggests that full-time work is one way to do that." Source: www.nextavenue.org Free Subscriptions, www.RiverRegionBoom.com
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Master Gardener's Perspective
Late Winter Pruning
If you have not been out in the cold to prune your landscape plants and wondering if this is even the time to do it, then hopefully this information will be of help. Whether or not you should prune now depends on the plant, so be careful, not all plants should be pruned at the same time of year. Pruning at an incorrect time will remove buds that are already in place for next year’s flowers.
Ornamental shrubs and trees, which bloom in late winter and early spring should not be pruned until after the spring-blooming cycle is complete. These plants bloom on “old wood” or growth that occurred in the summer and fall of last year so pruning them now will remove all of the buds and this result in no flowers. Examples of plants that would be considered spring blooming are: Forsythia, Camellia, Spirea, and Azaleas. These should be pruned right after they flower and definitely before June as they will begin to set new buds for next year’s flowers. If the shrub or tree flowers in late spring, summer, or fall, this means it blooms on “new wood” and the buds or flowers have occurred throughout the spring. These plants should be pruned once they go dormant into the winter before they leaf out the following spring. Examples of these are: Crape myrtle trees, Gardenia, Lilac Chaste –Tree, Butterfly Bush, and Clematis.
The best guideline for pruning is to follow the May rule. If a plant blooms before May 1 prune it as soon as its flowers are spent. Early spring flowers, before May 1 are produced on last year’s “old wood” growth and pruning in spring removes the current bloom buds. If a plant blooms after May 1, prune it when the plant is dormant, in the late fall or winter. Summer flowers produced after May 1 are on “new wood” growth. Pruning stimulates new growth and greater flower production for the following year.
By Mallory Kelley
Exception to the May Rule: All Hydrangeas (summer bloomers) should be pruned immediately after flowering. During the late fall and winter months is the time to prune to the ground and discard all of the dry, spent plant material of ornamental grasses, annuals and perennials. As for bulbs, after spring bulbs stop blooming you can remove the spent flowers but leave the foliage until it begins to turn brown and die down. The bulbs need this foliage as it is used for growth of the bulbs and to make “food” in the bulbs for them to store up until next spring. For more information on types and styles of pruning such as renewal pruning, cane pruning, and tree pruning please feel free to visit the following site: www.aces.edu/Tallapoosa/ landscape-gardening/PruningOutline.htm Mallory Kelley, a Master Gardener Regional Extension Agent Alabama Cooperative Extension System. For more information on becoming a master gardener, visit www.capcitymga.org or email capcitymga@gmail.com.
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Travel Experiences with Jeff and Cindy Barganier
A Grand Getaway The first Grand Hotel at Point Clear, Alabama was built in 1847 as a rambling two-story building with 40 rooms. Since the resort’s inception, www.grand1847.com it has survived numerous fires and storms— landed in hurricanes like Fredrick in ‘79 and Katrina Shangriin ’05 closed the Grand down only to see la before it revived bigger and better. In 1882, room shipping rates were about $2 per day, and you out to hot could stay at the Grand a whole month spots like for 40 bucks! Today, the 405-room resort Iwo Jima remains a top-tier venue with a nightly aboard rate below $400. The Grand stands out big ships. when compared to similar resorts like the Even High Hampton in Cashiers, North Carolina so, long that raised its rates into the stratosphere following a recent multi-million-dollar renovation. Following its own 3-year facelift of the entire resort, the Grand has been rebranded as the “Grand Hotel Golf Resort & Spa” and is part of the Robert Trent Jones Golf Trail. I’ve stayed at the Grand Hotel many times over the years but have never really focused on this resilient Alabama resort property’s remarkable history. The WWIIera barracks I experienced at Fort Dix, New Jersey in the early 70’s didn’t hold
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as home to the Confederate State’s 21st Alabama Regiment and as a base hospital
a candle to the Grand’s attractive guest rooms used as WWII training barracks. Those guys must have thought they’d
before WWII, this “Queen of Southern Resorts” served
during the War Between the States. Confederate soldiers who died at that hospital following the Siege of Vicksburg, Mississippi in 1863 are buried in Confederate Rest Cemetery near the resort. Each day at 3:45 PM, the Grand’s unique history is highlighted. A procession commences by the Main Lobby fireplace and culminates with a Civil War-replica cannon firing on the edge of Mobile Bay at Cannon Park. It’s a grand tradition whereby the resort pays tribute to our
military with a resounding salute to US veterans and their families, honoring them for the great sacrifices they’ve made for our nation. History alone makes the Grand worth visiting. But there’s so much more. We enjoyed walking among the 141 live oaks on the grounds. These majestic oaks covered in Spanish moss and “resurrection” ferns enhance the resort’s
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https://camelliacafe.com special beauty and ambiance; and make for excellent photo ops. (Live oak wood is incredibly tough and durable. The naval vessel USS Constitution was nicknamed “Old Ironsides” after her live oak hull survived repeated cannon fire during the War of 1812.) Plan your visit in October and you may be treated to some beautiful Monarch butterflies on their annual 3,000-mile journey south from Canada to the Yucatan Peninsula’s Sierra Madre Mountains. They stop at Point Clear to rest and feed, gaining weight and energy for flight across the Gulf of Mexico, navigating by the sun and Earth’s magnetic forces. Entomologists believe they may recognize the area’s milkweed, seaside goldenrod and red clover by color and scent. Educators even bring their students to the Grand this time of year to observe these stunning creatures and report sightings to a national tracking register. We also enjoyed long strolls along the much-improved bay boardwalk with friends Lee and
Carrie Meriwether. These walks were especially nostalgic to Cindy. “As a child, I used to delight in walking the boardwalk on the bay with my parents. I’d never seen houses that beautiful with yards that seemed to spread forever under sprawling live oaks. I was amazed that each home had its own pier and many had dining areas surrounded by tiki lights on the bayside of the boardwalk. I envisioned my own future family living in one of them, kids running barefoot to the shore to check crab traps while the adults sipped sweet tea at sunset. I think that’s when I first fell in love with architecture. To this day, the boardwalk has not lost its charm. And while I may never live in one of these homes, I still enjoy visiting and dreaming,” she says. The Grand’s several dining venues have excellent food. Especially, Sunday brunch is an amazing smorgasbord with live music. Be sure and make reservations. Also, Fairhope is just a short drive and has excellent restaurants. We found the Camellia Café on Section Street a cozy choice with fine dining minus the snooty,
and a local favorite as evidenced by the number of prom dates in attendance. The interior has a clean, contemporary esthetic with white walls, stained openslat ceiling, and modern art displayed. Reservations are a must here, too. You won’t find fresher fish. Ours was hickory grilled to perfection. (The dessert menu was quite tempting but we had to pass due to full tummies.) This whole area is one big chill pill for me. I could sit for hours and watch the birds in flight over the water or study the majesty of the ginormous oak outside my balcony or sip a favorite beverage as the sun sinks into Mobile Bay. I could read a book, write a book, or bike along the bay and look the look…whatever that means. It rhymes. Go with it. And while the Grand is super interesting and scenic, it’s not the only good lodging option. Fairhope has a quaint downtown Hampton Inn, and there are B&B’s, too. Next trip, I may well stay elsewhere. Either way, it’ll be a grand getaway.
Jeff S. Barganier is a novelist, travel writer and manager of Cindy Barganier Interiors LLC. He travels far and wide upon the slightest excuse for something interesting to write about. Contact: Jeffbarganier@knology.net. Instagram: @jeffbarganier. Visit: www.jeffbarganier.com.
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i
This & tHAT
A New Experience: Bald Eagle Awareness Weekends
Have you ever experienced the breathtaking beauty of bald eagles soaring on wings that spread six feet from wingtip to wingtip? Did you know that bald eagles were added to the federal endangered and threatened species list in 1967? Though they were on the brink of extinction, through conservation efforts and environmental education, bald eagles were removed from this list in 2007. For 35 years, Lake Guntersville State Park’s Eagle Awareness Weekends has been educating thousands of park guests about these amazing creatures. We hope you will join us for the 35th Annual Eagle Awareness Weekends 2022. Participants of these weekends enjoy guided eagle watching, close encounters with live bald eagles and other raptors, Scan QR with phone and memories to last a lifetime! https://www.alapark.com/ parks/lake-guntersville-state-park/eagle-awareness
ASF 50th Anniversary Season: Macbeth and Little Shop of Horrors
MACBETH — FEB. 3–24, 2022, By William Shakespeare Dunsinane’s power couple embarks on a blind ambition tour of betrayal and bloodletting when Scottish nobleman Macbeth is told by witches that he will become king one day. This supernatural battle between fate and will is one of the Bard’s most action-packed tragedies. For more info visit www.asf.net
Scan to Order ASF Tickets
LITTLE SHOP OF HORRORS — MAR. 3–APR. 3, 2022, Music by Alan Menken | Lyrics and a Book by Howard Ashman. In this deviously delicious sci-fi rock musical, meek floral assistant Seymour Krelborn stumbles across a new breed of plant he names “Audrey II” (after his coworker crush). This foul-mouthed, R&B-singing carnivorous plant promises unending fame and fortune to the down-andout Seymore as long as he keeps feeding it … . From the Tony and Oscar award-winning creators of Aladdin, Beauty and the Beast, and The Little Mermaid. Visit www.asf.net
Local Financial Advisor Offers "Life in a Box" January Workshop Every January, we conduct a workshop at the Montgomery Moore Wealth Management office called Life in a Box. We give you a step-by-step approach to gather all relevant records, so they are all contained or referenced in one fire-resistant box. We will conduct the 2022 webinar at noon on Wednesday, January 26th. For further information and reservations, please call 334.270.1672, or email sarah@moorewealthmanagement.com. If you miss the webinar, we also offer free consultations that are without obligation. The ten categories we cover in detail include healthcare, estate planning, tax records, investments and bank accounts, liabilities, insurance, Susan Clayton Moore, J.D. military records, personal identification documentation, deeds and similar documents, and a miscellaneous one that covers pet information, house maintenance, etc.
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The River Region’s 50+ Lifestage Magazine
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A New Experience: South Walton Beaches Wine & Food Festival Wine, charity and fun converge for The Northwest Florida Beaches Ultimate Wine Week. South Walton Beaches Wine and Food Festival takes place April 21 – April 24, 2022 in Grand Boulevard at Sandestin (not to be confused with the Sandestin resort or Sandestin wine festival). With more than 600 quality wines to taste over four days, this annual award-winning charity event delivers a wine experience unparalleled among Northwest Florida wine festivals. Grand Boulevard at Sandestin and South Walton become the epicenter of the wine world during the last weekend of April as these two organizations team up to host some of the preeminent vintners from around the world. A dazzling roster of dozens of celebrity winemakers, distillers, chefs and brewmasters converge in South Walton, Florida to wine, dine, educate and entertain guests as part of the three-day celebration of wine during the South Walton Beaches Wine & Food Festival held each April throughout Grand Boulevard. Make your plans to join us now and be prepared to sip more than 600 wines presented by knowledgeable wine industry Scan to Order Tix insiders, savor delectabale small bites from our Nosh Pavilions, led by the best restaurants South Walton has to offer, and stroll the beautiful boulevard. For more info visit www.sowalwine.com.
The Capri and ASF Present A View From The Bridge A VIEW FROM THE BRIDGE introduced by Justin Blanchard, Actor, Alabama Shakespeare Festival, Sunday, January 9 @ 1:00pm. Shown in partnership with Alabama Shakespeare Festival. Filmed live onstage from London’s West End. Following its smash-hit original broadcast, the Young Vic’s ‘magnetic, electrifying, astonishingly bold’ production of A View from the Bridge returns to cinemas due to audience demand. This stunning production of Athur Miller’s tragic masterpiece won a trio of 2014 Olivier Awards including Best Revival, Best Actor for Mark Strong (The Imitation Game; Tinker, Tailor, Soldier, Spy) and Best Director for Ivo van Hove. The great Arthur Miller confronts the American dream in this dark and passionate tale. In Brooklyn, longshoreman Eddie Carbone welcomes his Sicilian cousins to the land of freedom. But when one of them falls for his beautiful niece, they discover that freedom comes at a price. Eddie’s jealous mistrust exposes a deep, unspeakable secret – one that drives him to commit the ultimate betrayal. This play is shown without intermission. A View From The Bridge Tickets Available Online www.capritheatre.org
Capital City Master Gardeners Association Lunch & Learn @ The Armory, Capital City Master Gardener Association presents Lunch & Learn, the 1st Wednesday of Every Month from 12-1 pm. They will meet at Armory Learning Arts Building, 1018 Madison Ave., Montgomery 36104. Mark your calendars, January 5, “Backyard Birding”, Tyson Farmer, Wild Birds Unlimited, will be presenting the program, “Backyard Birding”, join us to find out how to identify various birds in our own area and learn some new and different ways to entice birds into your back yard. Also, February 2, “Small Space Gardening”, Glenn Huovinen, Elmore County Advanced Master Gardener, will be presenting the program, “Small Space Gardening”, if you have a tiny back yard or limited areas for gardening, this program is for you. Discover some new ideas for growing flowers, fruits and vegetables, etc. all around your house. This will be fun! Plan to wear your mask and socially distance, as mandated by the City of Montgomery. BRING A SACK LUNCH, FREE PROGRAM, WATER PROVIDED, For information, please contact the Montgomery County Extension Office 334.270.4133. Also visit www.capcitymga.org. The River Region’s 50+ Lifestage Magazine
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Betty, we'll miss your wit and common sense...and your life giving attitude! Betty White seemed to have it all figured out. The television icon died at the age of 99 on December31, just days shy of her 100th birthday. The "Golden Girls" alum often spoke about the upcoming milestone and had promoted it with a cover story on People magazine. Throughout her later years, the star was often asked what contributed to her longevity, as not only did she outlive many of her contemporaries, but she continued working until she died. In 2018, White spoke to Parade magazine, revealing that the secret to her long and happy life was, in part, her consumption of foods she enjoyed, such as vodka and hot dogs – "probably in that order" – rather than restricting her diet. Of course, White also credited her happiness to a positive attitude as well. "Enjoy life," she told Parade. "Accentuate the positive, not the negative. It sounds so trite, but a lot of people will pick out something to complain about, rather than say, ‘Hey, that was great!’ It’s not hard to find great stuff if you look." Just a day before her death, White shared a statement with Fox News via her rep regarding her longlasting happiness. "I've always been a cockeyed optimist," said the star. "I got it from my mom. I'm gonna stick with it."
Want to improve your mood in the new year? Here's what experts recommended Start a gratitude journal. This only takes a few minutes. Recording positive things about your day, whether major achievements or simple pleasures, can reduce stress, improve sleep and even foster better relationships by building a sense of empathy. Take five deep breaths. Not only will this make you feel calmer, but it will also help you digest your lunch better.” Drink water. Water is the essence of us and what we need in order for our micronutrients and functions to operate. Label what you’re experiencing. “Name it to tame it” is a phrase coined by Dan Siegel, a professor of psychiatry at the University of California Spend time outdoors. Even when it’s cold outside, spending time outdoors in nature breathing fresh air is good for the body and mind. Mindfulness in nature can boost your mood and even short walks are better than nothing. Spend a few minutes stretching. “Even if working out is too much for you to commit to, stretching still releases the same endorphins, which decreases a person’s perception of pain. Call or visit a friend. Be intentional about spending time with the people that matter most. A good conversation
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over a cup of coffee can change everything about the day. Give acupuncture a go. Studies have shown that acupuncture can help to decrease stress and anxiety. Ask for help when you’re overwhelmed. “Asking for help is not a sign of weakness, and people innately want to help one another,” said David Rakofsky, a psychologist and president of Wellington Counseling Group in Chicago. Remind yourself that someone else’s mood is not your responsibility. “Don’t take things people say or believe personally,” said Andrea Dindinger, a San Francisco-based licensed marriage and family therapist. Volunteer (bonus if it’s with animals). Volunteering has been shown to reduce stress. And according to the Human Research Animal Bond Institute, research has demonstrated human-animal interactions help decrease symptoms of PTSD, depression, anxiety and more. Plant a garden. “Gardening helps with mood, concentration and focus,” said Shannon Lawrence, an acupuncturist and yoga instructor in California. Watch a funny movie. “Smiling and laughing are positive for your
mental health.” Perform an act of kindness. “Generosity is key to our positive mental health,” DeHoff said. “An act of kindness towards others may help you understand your own difficulties, increase empathy and gain some perspective.” Be mindful of your social media use. Decrease in their negative emotions, most say they feel like a burden has been lifted off of them and that they feel freer. Create a relaxing bedtime routine. Stress and anxiety are two of the most common reasons for poor sleep. Meditate. Even on the busiest of days, finding just five or 10 minutes to meditate can be beneficial. Talk to a therapist. You don’t need to be in crisis to benefit from therapy. Mental health experts can help you manage stress and find ways to cope with problems that are affecting your daily life.
The River Region’s 50+ Lifestage Magazine
BOOMERS, share your stuff with BOOM! We Love to Bring BOOMERS Together, send info and pics to jim@riverregionboom.com
JANUARY IS THYROID AWARENESS MONTH According to the American Thyroid Association approximately 20 million Americans have some form of thyroid cancer. It is important to discuss, because 60% of those with a thyroid disease are unaware of their condition. Let’s discuss what the thyroid is and its function. We will also cover the warning signs and screenings available. If you have any questions or concerns regarding your thyroid, please contact your doctor and/or schedule an appointment with an endocrinologist. What is the thyroid and what is its function? The thyroid gland is a butterfly-shaped endocrine gland located in the lower front of the neck. The role of the thyroid is to make thyroid hormones. These hormones are secreted into the blood and then carried throughout the body. The Thyroid controls the body’s metabolism, increases heart rate and affects how fast things move through the body such as food, bone loss and sugar. It is thought to be the most important endocrine organ! Thyroid facts: • Women are 5-8 times more likely than men to experience thyroid problems. • 1 in 8 women will develop a thyroid disorder in her lifetime. • The cause of thyroid problems is largely unknown. • Cardiovascular diseases, osteoporosis and infertility are serious conditions that can occur if thyroid disease goes undiagnosed. • It is important for pregnant women to be diagnosed and treated adequately. If not, risks include miscarriage, preterm delivery, and severe developmental problems in their children. • Most thyroid diseases are life-long and can be managed with proper medical attention. • Thyroid nodules are very common and are present in 60-70% of middle-aged women. • Most thyroid cancers respond to treatment, but a small percentage can be very aggressive. Early warning signs of thyroid problems: • Overactive thyroid: Racing heart rate, Palpitations, Anxiety, Insomnia, Nervousness, Weight loss with increased appetite, Excessive sweating/heat intolerance, Muscle weakness. • Underactive thyroid: Fatigue / sluggishness (mental and physical), Cold intolerance, Constipation, Hair loss, Weight gain, Depression. Signs of thyroid nodules/cancer: • An unusual lump or swelling in the neck. • Other warning signs include a new cough, hoarseness, swollen glands and a new persistent cough. www.thyroid.org
Alabama Allergy & Asthma Clinic PC, Joins AllerVie Health
Formerly Alabama Allergy & Asthma Clinic PC, AllerVie Health provides the most comprehensive allergy and asthma treatment in Montgomery, Alabama. Our board-certified allergists have experience treating a variety of allergies, asthma, and related immunological disorders, which can limit people’s ability to live the lives they love. We put our patients at the center of everything we do and are committed to setting and delivering the gold-standard in allergy and immunology services to those in our care. Looking for a local allergist who understands the common pollen issues affecting those in and around Montgomery? In need of a doctor to help treat immunological disorders such as hereditary angioedema and FCAS? Call us today to schedule an appointment with a Montgomery allergist who can help you feel your best and reclaim your life! J. Allen Meadows, MD, was born in Ozark, AL, and raised in the Marietta GA. Even as a high school student, Dr. Meadows wanted to become an allergist under the mentorship of his J. Allen Meadows, MD own allergist, Jerry Vanderpoole, MD. After completing his medical training, he returned to Montgomery, the home of his wife Charlotte, to establish a new allergy practice in July 1991. He was in a community-based solo practice for 30 years until he proudly joined the AllerVie family in July 2021.
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MPAC Presents CATS
CATS is the longest running musical in Broadway history, debuting in 1982 and finally closing on Broadway in September, 2000. Written by famed composer Andrew Lloyd Weber (Joseph and the Amazing Technicolor Dreamcoat, Evita, The Phantom of the Opera) and based on T.S. Eliot's Old Possum's Book of Practical Cats, this musical still remains a favorite with audiences nationwide. CATS tells the story of the Jellicles, a tribe of cats who assemble for their annual junkyard ball where they announce the cat that will be reborn. "Memory," the show's most memorable song (sung by the character Grizabella) quickly became a pop vocal favorite and has been recorded by over 150 artists including Barbra Streisand, Barry Manilow and Judy Collins. The show's appeal also appears to be universal, as it has been translated into over 20 languages. As time and ticket sales have proven, CATS is undoubtedly one of the most beloved stage musicals of all time. Wednesday, February 16th. For tickets www.mpaconline.org
Gogue Performing Arts Center Presents Beautiful: The Carole King Musical For six years, Beautiful, the Tony- and Grammy award-winning Carole King musical, thrilled Broadway audiences with the inspiring true story of one woman’s remarkable journey from teenage songwriter to the Rock and Roll Hall of Fame. Now, Beautiful is making its way across the country! From the string of pop classics King wrote for the biggest acts in music, to the life-changing, chart-busting success of her landmark 1971 album Tapestry, Beautiful takes you back to where it all began—and takes you on the ride of a lifetime. Featuring more than two dozen pop classics, including “You’ve Got a Friend,” “One Fine Day,” “Up on the Roof,” “You’ve Lost That Lovin’ Feeling,” “Will You Love Me Tomorrow” and “Natural Woman,” this crowd-pleasing international phenomenon is filled with the songs you remember—and the story you’ll never forget. Broadway Series: Beautiful: The Carole King Musical performed in the Gogue Performing Arts Center, Woltosz Theatre, Saturday, January 29, 2022, 7:30 p.m. and Sunday, January 30, 2022, 2 p.m. For tickets visit https://goguecenter.auburn.edu/
Gogue Performing Arts Center Presents An Evening with Branford Marsalis
Saxophonist Branford Marsalis is one of the most influential and revered figures in contemporary music. The National Endowment for the Arts Jazz Master, Grammy Award winner and Tony Award nominee is equally at home performing concertos with symphony orchestras and sitting in with members of the Grateful Dead. After more than three decades of existence with minimal personnel changes, this celebrated ensemble is renowned for its uncompromising interpretation of a kaleidoscopic range of both original compositions and jazz and popular classics. An Evening with Branford Marsalis performed in the Gogue Performing Arts Center, Woltosz Theatre, Sunday, February 20, 2022, 7:30 p.m. For tickets visit https://goguecenter.auburn.edu/
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The River Region’s 50+ Lifestage Magazine
Caregiver of the Month Spotlight:
ANGELINA JIMOH
Martin Luther King, Jr. Reflections Breakfast One of Auburn University at Montgomery’s most cherished traditions, the Martin Luther King, Jr. Reflections Breakfast, will be held on January 18, 2022, at 8 a.m. This year’s featured speaker is AUM alum Brigadier General Terrence Adams, and the event will take place in Taylor Center 221-223 and 230. Breakfast will be served at 8 a.m., with the program beginning at 9 a.m.
Angelina has been with HomeCare Assistance since October of 2021! During this time, she has made a great impression on every client and family member alike. Her compassion for the job is unmatched and everyone becomes her extended family. Angelina is a team player, that embodies both hard work and dedication.
“Thank you for continuing to build meaningful relationships. We Salute you for a Job Well Done!!” For more information visit www.homecareassistancemontgomery.com
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The River Region’s 50+ Lifestage Magazine
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By Jeremy Keil
How to Safely Earn More on Your Savings them at some local financial institutions or by mail • You can’t hold I bonds in an Individual Retirement Account (IRA) • There shouldn’t be any fees from your investment advisor for buying and holding I Bonds
Adding U.S. savings bonds known as I bonds (now paying 7.12%) can be smart for your retirement mix Many people approaching retirement are concerned about today's low interest rates and high inflation, worrying that savings and investments won't keep up with rising costs. If this sounds like you, I suggest considering adding a type of U.S. savings bonds known as I bonds to your retirement mix because they're now paying a safe, high return far better than you can get elsewhere. An I bond is a savings bond just like the kind your grandparents may have given you on your birthday growing up, with a unique twist. Instead of providing only a fixed rate of interest the way traditional EE savings bonds do, an I bond also has a built-in inflation component that gets added every six months. That's very valuable in today's economic environment with inflation running around 5.4% or so. If you buy an I bond between November 2021 and April 2022, you'll get a 7.12% rate for the first six months. That means if you put $100 into I bonds now, you'll have about $103 six months later, and you'll get a new interest rate after that, tied to the inflation rate at the time. What Are the Details About I Bonds? While I bonds are paying 7.12%, today's
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average 12-month bank certificate of deposit rate is just 0.14% and money market savings rates average 0.08%. • An I bond keeps earning interest for 30 years • You must hold an I bond for 12 months or more • You can buy I bonds online through the government’s website TreasuryDirect.gov or you can buy paper I bonds using your federal income tax refund • Electronic I bonds come in any amount for $25 or more; paper I bonds are sold in five denominations: $50, $100, $200, $500 and $1,000 • If you cash out within the first five years, you lose the prior three months’ interest • Every six-month anniversary of your purchase, the I bond’s inflation rate is adjusted up or down • Your I bond can never lose value • You can only buy $10,000 in electronic I bonds per person per year and up to $5,000 in paper I bonds per person per year • If you own electronic I bonds, you can redeem in the TreasuryDirect application; if you own paper I bonds, you can cash
What About That Early Withdrawal Penalty? Some people are concerned about paying a penalty and losing the prior three months' interest if they cash out of I bonds sometime after 12 months. But since you'll earn today's high interest in the first six months, your "penalty" won't touch that, so your 12-month return will be at least 3.56% if you buy the bonds by April 2022. Why You May Want to Put I Bonds in Your Emergency Fund Many people have an emergency fund; money they can access "just in case." Why not put a portion of your emergency fund money into I bonds, perhaps slowly at first (because you can't touch it until 12 months), so your rainyday funds will earn more interest than alternatives like bank CDs and savings accounts? If it turns out that CDs or savings accounts start paying a great rate of interest again — which doesn't seem likely anytime soon — you could easily cash out the I bonds and switch your money back to bank accounts.
The River Region’s 50+ Lifestage Magazine
Since I bonds will never lose money, you won't see any price fluctuations while you hold them and you can cash out without any drop in principal. Can I Bonds Replace Other Bonds in Your Portfolio? Many people are concerned about other U.S. government and corporate bonds that now have low interest rates and could lose value after inflation and potential interest rate increases (when interest rates rise, bond prices typically fall). That's why you could consider swapping in I bonds to replace some bonds you currently own that don't offer inflation protection. Since I bonds will never lose money, you won't see any price fluctuations while you hold them and you can cash out without any drop in principal. How to Buy I Bonds Here are the nine steps to purchase electronic I bonds: 1. Go to www.TreasuryDirect.gov 2. Click “open an account,” choose TreasuryDirect, then “apply now” 3. Choose the type of account you’ll get, most likely a personal one 4. Fill in your info, including the bank account you’ll use to fund the account 5. Create your password and reminders (you’ll get your username soon) 6. Check your email, get your account number and go back to TreasuryDirect. gov to login 7. After you receive a “one-time passcode” by email, enter it on the Treasury site’s “virtual keyboard” 8. Once you’re in the account, click “BuyDirect,” then Savings Bonds — I bonds 9. Enter the dollar amount you want to purchase, how you want to do it (date and frequency for successive purchases or the date for a one-time purchase) and click submit. Source: www.nextavenue.org
The River Region’s 50+ Lifestage Magazine
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BOOM! COVER PROFILE
Polly Hardegree
"I love building relationships with my customers" This month’s cover profile is a unique woman who has spent 48 years becoming one of the best banking executives in the River Region. Her name is Polly Hardegree and she is an executive with River Bank & Trust. Polly was part of the founding team for River Bank & Trust in 2006 and has continued to make RBT a community focused financial institution through her ability to build relationships with her customers. A rare quality, especially in our “everything’s online” world. When Polly started in the banking business in the early 1980’s she had to forge her own path because it was a male dominated business. She was determined to achieve success in the banking industry, and she has, for herself and the women that followed. Polly is not only a leading local banker but a community volunteer with a passion to serve. She has been involved with Montgomery Museum of Fine Arts, Baptist Healthcare Foundation, MACOA, Hospice of Montgomery, National Kidney Foundation, and American Heart Association. When it comes to her passion, it’s her family, especially her grandsons, Parker and Connor. They have filled her heart with lots of love. We are grateful for Polly sharing her unique story with us this month. We enjoyed getting to know her and hope you will too. BOOM!: Please give us a brief biography, i.e. where you’re from, education, what brought you to the Montgomery area, did you raise your family here, schools, married, family, etc? Polly: I was born and raised in Anniston, Alabama. I attended Saks High School where I met my future husband, Don Hardegree. Shortly after our son, Jason, was born, we moved to Birmingham, where I started my banking career at National Bank of Commerce as an assistant to the Executive Vice President. In 1975, my husband was transferred to Montgomery and I accepted a job at Alabama National Bank as Administrative Secretary to their Executive Management team. This is where we raised our son, who attended Jefferson Celebrating their 53rd wedding Davis High School anniversary at the Beau Rivage before attending in Biloxi, MS Auburn University.
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I am grateful to have my family live close by. BOOM!: You have been part of the banking industry for 48 years, please share how you got started in in the banking industry? What is it that kept you in it all those years? As a woman, were there unique challenges during your career?
Polly & Don Celebrating New Year's Eve at Arrowhead County Club
In 1990, I graduated from Alabama Banking School at the University of South Alabama. In addition to my husband and son, my small family is made whole by my two grandsons, Parker Hardegree and Connor Owens.
Polly: After moving from Anniston to Birmingham, I started working for a physician’s practice. After a year, I decided that working in the medical field wasn’t for me so I started looking for a job. I had been thinking Polly and Don on their cruise about to Alaska banking for quite some time and decided to pursue any opportunities available. I The River Region’s 50+ Lifestage Magazine
interviewed at several banks but was offered a job at National Bank of Commerce. I worked there until 1975 when we moved to Montgomery. I love building relationships with my customers and knowing that I have helped them with their financial needs, whether it was a loan, checking account, or sound financial advice. Knowing that my customers depended on me and trusted my advice made me enjoy my job even more and I never wanted to do anything else.
Polly and Don with their son, Jason Hardegree, and grandsons Parker Hardegree and Connor Owens, celebrating her mother Betty Brooks' birthday
I was able to learn skills I would use all throughout my years of banking. After joining Alabama National Bank and continuing the community banking culture until they merged with a larger bank, I learned how important is was to be able to make local decisions, especially when you get to know your customers. Clients do not like having decisions for their financial needs made by people they have never met, especially if that decision-maker is in another city or state. Prattville is just up the road, and that is as far as I have to go if I need additional assistance. I have included a picture of our CEO, Jimmy Stubbs, and Ray Smith, President of River Financial Corporation. Both of these men have helped make my job enjoyable and have been great supporters Son Jason Hardegree, of my role at River Bank Christmas 2021 & Trust, which is truly a great place to work and bank.
I have had several unique challenges during my lengthy plus investment services banking career. I had to overcome the until I retired from that bias that comes with being a woman bank in 2005. in the management side of banking. At one point in my career, the department I had been working in had an opening for a manager. I was the most senior person working in that department and had brought in more business than anyone 2. Re-circulating money back in the else, including previous community was and still is an important managers. Of course, I was initiative of River Bank & Trust. Deposits hoping I would be considered made by customers are used to make for the position. However, I loans to individuals that will was told at that time by the improve their lives while loans President of the bank that to businesses and churches because I was a woman and will improve our communities. Polly, Don, and their grandsons Connor and Parker all the other managers were Our goal is to also support celebrating Christmas, 2021 men who had more degrees, I would community organizations BOOM!: In 2006, you were never be the manager. He even went such as the United Way, the part of the founding team so far as to say that he knew, “I was Montgomery Museum of for River Bank & Trust, The the horse that pulled the cart” in my Fine Arts, two main goals were to department but I would never be the MACOA, the 1) establish a communitymanager and I needed to accept that, Alabama focused financial institution mainly because of the reaction of my Shakespeare that would support local male counterparts. I was devastated and Festival Grandson Parker decision making and 2) thought my dreams of ever becoming and many Hardegree re-circulate money back a part of the management team was more, which into the communities it serves, could you over. However, my dreams did come is made explain to our readers why these 2 goals true within a few months when a new possible with were the most important? President came in and immediately local banking made me the department manager. It and profits Polly: 1. National Bank of Commerce was 1980 when I was promoted to Senior remaining in (my first banking job) was a community Vice President and I remained the head the area. Grandson Connor Owens bank with only 50 employees. It was of the Wealth Management department a wonderful way to start a career and The River Region’s 50+ Lifestage Magazine
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BOOM!: In the past year you were promoted at River Bank & Trust to Montgomery County President while you already held the position of Executive Vice President and the bank's Wealth Management/ Retail Banking Manager. With so many important roles can you describe what your primary responsibilities are at River Bank & Trust?
heart disease, and Polly: My husband and I have been hospice care, so on several trips with friends over the I know first hand years. We have also had the pleasure how important of going on trips with the Alabama it is to have Bankers Association. Two of our favorite organizations that trips with the ABA were to Bermuda help raise funds and Colorado. We were accompanied for research and by our grandson, Parker, and that provide families made the trip even more special. I the care they love making memories with my family need. Over the and seeing their enjoyment. Taking a past few years, I cruise is my favorite thing to do. We have been a board have been on several cruises but my member and past very favorite itinerary was a cruise we president of the took to Alaska with friends - it was Montgomery fantastic! The wilderness, scenery, food, Museum of Fine and the helicopter and train rides were Arts, Baptist the absolute best. We hope to travel Healthcare to Europe after my retirement in a few Foundation, years. MACOA, Hospice of Montgomery, BOOM!: What are you most passionate Don Hardegree showing Real Men Wear Pink National Kidney about? Foundation, and American Heart Association. I sleep well Polly: No doubt, FAMILY. I didn’t know at night knowing I had a small part in how full my heart could be until I had Polly: My primary responsibilities are helping someone in need. a son and then grandchildren. When to oversee our Wealth Management they were small, program, which consists of Private BOOM!: With a busy we had fun going to Banking and Investment Services life, how do you like the beach, lake, zoo provided by River Financial Services. to spend time with and did I mention I also serve as the liaison and contact family and friends? McDonald’s? As they between the bank and several of our get older, they have third-party vendors that are crucial to Polly: My family and other interests than our operations. In addition to that, I friends love Lake hanging out with assist in the management and training Martin so we spend their grandparents of our 19 office locations, as well as a lot of weekends at but we still find time planning customer and bank events. the lake. We own to enjoy the lake My primary focus, however, is fostering a house there and together, as well as unexpected and unsurpassed hospitality enjoy having guests family gatherings throughout our footprint as our number as often as possible. throughout the year. one goal. My husband and I I am also passionate also love to travel, about time spent BOOM!: Community service is an go to restaurants, with my son, mother, important part of your life in the River and play cards. My sister and other Region, what organizations do you give mother and sister extended family. your time to and more importantly, live in Anniston and please share with our readers why I enjoy visiting with BOOM!: How do you community service is so important? them. We always like to relax and wind find a way to have down from a hard Polly: I love our community and want to fun and shop ‘til we day’s work? help agencies provide services people drop. Polly and Don on a trip to need or care they cannot afford. I know Polly: I enjoy Greenbrier in West Virginia it takes time away from work and family BOOM!: What are reading, watching but it is worth every minute. My own some of your favorite travel experiences? movies, and having dinner with friends family has been touched by cancer, Favorite vacation spot? Any travel and family. Some nights a margarita is kidney disease, rheumatoid arthritis, dreams planned? added for my enjoyment and relaxation.
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The River Region’s 50+ Lifestage Magazine
BOOM!: What is it about living in the Montgomery/ River Region area that you like? What do we need more of?
BOOM!: What are some of the future challenges you’re contemplating for River Bank & Trust? For yourself?
Polly: Advancement Polly: I love the of technology and opportunity continuing to build to be a part of a staff dedicated a continually to giving our growing customers first class community. service, as well as When we moved being considered here in 1975, trusted advisors. anything north of the bypass was all For me personally, pasture land and being able to look at it now! It balance my time Polly and Don at River Bank & Trust's offers shopping, with work and 2021 Christmas Party great restaurants, family has always entertainment, and housing. I do think been something I struggle with. I also we need more educational opportunities know that keeping abreast of new for our children and we definitely need technology will be a challenge since it a hospice home for people who do not advances so have the financial resources or family quickly. members to care for them after being diagnosed with a terminal illness. BOOM!: Many people over BOOM!: As you’ve aged, can you 50 experience describe what it means to “age well”? a renewed sense of Polly: To be happy, healthy, and willing purpose, new to enjoy life to the fullest. I have always goals, etc. heard, “You are only as old as you feel” How would and I choose to feel young – I don’t put you describe off ‘til tomorrow what I should do today this sense because tomorrow I might feel old. Just of renewal keeping up with my grandchildren and in your life? staff at work keeps me feeling young at Any advice heart. for the rest of us seeking BOOM!: Give us three words that renewal? describe you? What are your thoughts on Polly: Honest, dependable, humorous. retirement? BOOM!: Do you have any hobbies or other activities that grab your attention? Polly: I love to cook and try new recipes. If they turn out well, I like to invite friends and family over to sample the finished product. Appetizers are my favorite thing to experiment with.
The River Region’s 50+ Lifestage Magazine
renewed purpose, make sure you are happy doing what you are doing. Don’t wait years to make a change: do it now. It is never too late to try something new, something that makes you happy to wake up every morning and work at with a passionate heart. My goal is to retire in a few years and maybe work part-time in order to ensure a smooth transition to the person who will someday take over my position. This way, I will have the best of both worlds; I can stay in touch with my customers while spending more time with my family. BOOM!: Would you please describe your relationship with your grandchildren? What do your grandchildren call you and your husband Don? Polly: I have a great relationship with my grandchildren. Connor is attending AUM and Parker is at Auburn University, which allows us to see each other often. They are truly a blessing to both me and my husband and we love spending time with them. We can’t imagine life without them in our lives. They call us Poppy and Mimi.
BOOM!: Polly, you have been married for 53 years to your husband Don. Your length Polly: At of marriage this stage Polly with Ray Smith, President and Jimmy Stubbs, is both rare of my life, I CEO of River Financial Corporation and precious, feel a sense especially in a society where almost of purpose to pass along to others everything is disposable. Would you the knowledge I have gained over the please share your insight on making past half-century. I also want to spend marriage work the way it’s supposed to? more time with my husband and family and travel more. If you are seeking a
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Polly: We were very young, right out of high school, when we married in 1968. I guess we knew from the beginning that we were meant to be. Our first date was a church social and we never dated anyone else. As everyone knows, marriage can be hard if you don’t work at it. We, like most couples, have had good times and bad but we took our vows very seriously and worked together through any challenges that came our way. You have to be able to give and take, laugh and cry, and learn to forgive the other’s faults. I cannot imagine life without Don – he is definitely my support system. He has always had my back throughout my career, cooking when I had to work late, doing laundry, housework, and taking our son to ball practice so I could attend meetings after hours or finish work projects that fell outside of a 9-5 routine. God has blessed us throughout our marriage and we will forever lean on Him for guidance. I hope we share many more happy years together.
We want to thank Polly for sharing some of her unique story with us this month. Thanks also to DiAnna Paulk for her quality cover photo of Polly, taken in the Blount Cultural Park. If you have comments or would like to consider doing business with Polly you can contact her through River Bank & Trust at 334.290.2673 or phardegree@river.bank or visit www.riverbankandtrust.com. If you have questions, comments, or suggestions about our cover profiles, including nominating someone, please send them to Jim Watson at jim@riverregionboom.com.
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Polly Hardegree, River Bank & Trust, Executive Vice President, Wealth Management / Retail Banking Manager, & Montgomery County President (photo by Chrietzberg Photography)
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The Mayor of BOOMTOWN
SOYLENT NIGHT
By Greg Budell
"A true story from the Greg files"
I’m so old I remember drive-in movies! For the unacquainted, these were large open paved (mostly) lots where we’d park our leaded gas cars to watch a movie on a huge screen toward which all hood ornaments were aimed. Audio was piped into cars by large, rusty-smelling speakers we hooked onto a slightly rolleddown window. In Chicago, we had the bonus of rusty-smelling heaters, also hung on the car window, whose burning red coils fed heat into the vehicle during winter months. Then, most cars got 8 MPG so they couldn’t run through the length of a movie. While wood-paneled station wagons filled with BOOMer kids were a part of the drive-in population, a sizeable segment were hormonigized teens of driving and sexploration age. I experienced both. Once of driving age, the outdoor theater (for sophisticates) was the destination for dating couples seeking “privacy”. Because nothing says privacy like making out with your date in the middle of several hundred vehicles parked next to each other.
City has become overpopulated with 40 million people and pollution has caused the temperature to be risen and all natural resources have been destroyed, leaving 40 million people starving”.
Most of the movies were “B” caliber (or less). When things got romantic- because nothing says romance like bucket seats and a stick shift- no one felt guilty about missing the movie. That was the point. Missing the movie, for about $2 a car. Even with those space-age heaters, most vehicles bore a thin film of steam on the inside of windows to keep gawkers from enjoying your personal love show. It was at the Sheridan Drive-in in 1973 my future first wife and I went to “see” a film called “Soylent Green”. I remember little from that night other than it seemed like a dark movie projecting a dire future for America in the year- are you ready for this? 2022! At the time, 2022 seemed a million years away but it is here. The official description of Soylent Green says this: "The year is 2022. New York
So, how visionary was Soylent Green? New York City has a population of 8,230,290 give or take. The metro area (including NYC) is 3 times that. The city and suburbs are hemorrhaging population because for many, life in NYC has become unlivable. Not because of pollution but politicians, a different type of pollutant. By the movie’s estimate, the total is well below 40 million. The air in New York and most of America is far cleaner than it was in 1973. In fact, New York water is the best. The politicians have become far dirtier, and, in that regard, NYC has become like the city portrayed in Soylent. Going back to disgraced former Governor Cuomo, pols have used Covid as an excuse to limit freedoms and regulate behavior, much like the movie. Everything in Soylent requires permission or approval. Soylent’s higher-ups live great lives. The people get what the Soylent government grants them. Vaccine passport, anyone?
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New Yorkers, for generations have retired to Florida but the exodus has become a dam break. Florida real estate prices are going up daily with the massive influx to a far freer state. Soylent starred two legends. For one, the iconic Edward G. Robinson, Soylent was his farewell. In the movie’s version of 2022, people (sick, or sick of Soylent life) are allowed to choose a peaceful passing while a projector plays pre-chosen images. Robinson’s Sol Roth dies to a screen of blue skies and golden flowers, long gone by 2022. The other legend was Charlton Heston. I was lucky to have interviewed him in 1995. He was promoting a book he’d written, and I was honestly kind of shocked when his publicist scheduled him on my talk show in West Palm Beach. He couldn’t have been more charming, affable and real. Ben-Hur in my studio! I asked some good questions but never found the opportunity to let him know how much steam my girl and I generated during Soylent Green. In Soylent, Heston plays a cop. It’s a powerful gig in a society portrayed as oppressive, minus all the joys of life. Heston’s Detective Thorn shares a rare 2022 treat with Robinson’s Sol. Strawberry jam. It’s not like we’re seeing stretches of empty grocery shelves heading into
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2022. Oh. Wait a minute. We are. The 2021 word of the year is “supply chain”, another polluted, politician created and perpetuated crisis. Soylent is about a company of that name that produces a food product called “Green”. With 40 million to feed, there’s no time to be fussy. SPOILER ALERT. After his friend Roth chooses euthanization, Detective Thorn follows the body and sees it loaded into a Soylent Company truck. To his horror, Thorn learns the deep, dark secret of Soylent Corporation. They are taking the dead and turning them into “food”. Heston’s memorable (and yes, mocked) finale is Thorn screaming “Soylent Green is made out of people. MADE OUT OF PEOPLE!”. He tries to warn the citizens of their 2022 reality. It is a dark movie. At the time, the premise of Soylent Green seemed the hysterical vision of someone who saw polluted air as our demise in 50 years. My concern in the Soylent “prophecy” is the authoritarian, joyless, miserable existence portrayed in the movie. More and more we’re being given “permissions” to go about our lives, something never required previously. At 2021’s end, 79% of covid omicron patients have been vaccinated yet politicians seem hell bent on having us bow to the restrictions that didn’t work 2 years after “2 weeks to flatten the curve”.
Maybe these mandates will drive the resurrection of the drive-in movie! Soylent would be a great starter movie. It might make people, uh, think? Take a closer look at what’s happening in the world around them? That could only be a good thing. This magazine will continue into its second decade. That’s cool too. We’ll convene here in a year to learn the end of this 2022 drama. SPOILER ALERT- This magazine is MADE UP OF BOOMERS! BOOMERS! (If you have a comment on this column, email me at gregbudell@aol.com. It's still fun to hear from new people!) Greg Budell lives in Montgomery with his wife, Roz, Stepson, Sho, and dogs Hershey and Briscoe. He’s been in radio since 1970, and has marked 16 years in the River Region. He hosts the Newstalk 93.1FM Morning Show with Rich Thomas, Jay Scott & Jessie Lynn, 6-9 AM Monday-Friday. He returns weekday afternoons from 3-6 PM for Happy Hour with sidekick Rosie Brock. Greg can be reached at gregbudell@aol.com.
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Smart Health - Nature's Way - Tracy Bhalla
Dry Body Brushing Benefits Dry brushing is something I had heard about decades ago, but never actually knew anyone who did it. Over the years, however, I kept seeing it in magazines and I would see the brushes for sale in health stores – long handled ones for the body, small super soft ones for the face, so eventually I took the plunge about a year ago and started giving it a go. I have to say I wish I’d started earlier. On my face particularly, I love the effect. No need for exfoliation anymore, my skin is super soft, and it is super simple to do. For the body, a firm bristled brush is used to basically sweep the skin from toe to head, always brushing towards the heart. Some people do choose to use a little body oil on the brush as it can make your skin very dry. I prefer to add the oil to my skin afterwards as I find it easier to keep the brush clean and hygienic that way. Part of the beauty of the practice is that it takes up no more than a few minutes each day, which makes it easy to become part of your daily routine. It’s like a mini-spa treatment every day! Its origins are believed to come from Ayurvedic medicine, but many cultures have used skin brushing to cleanse and beautify the skin, including the ancient Greeks and the Japanese. Many experts agree that dry brushing has many benefits. First of all it is gently exfoliating, removing that top layer of dead skin cells on a daily basis. After a dry brushing session your skin will feel softer and smoother. It also increases circulation, leaving skin looking more radiant. Finally, it is also said to be invigorating and energizing, which could be due to the increased circulation effect It should be pointed out that dry brushing is not the right option for everyone – you should never dry brush over eczema,
psoriasis, rashes, wounds, sunburn or any other skin irritations.
abrasive for your face, consider using a soft washcloth instead.
Equally, if your skin starts to get irritated by the process of dry brushing either scale back the frequency and the rigorousness or stop altogether. The most common problem is brushing too hard or using a brush with bristles that are too stiff. Both of these issues can be remedied very easily, of course.
Keeping your brush clean is also critical to your skin health. Keep it dry in between uses, clean every few days. You can use a mild soap and water, just be sure to let it dry out completely before using again. Or you can use corn starch – rub it into the bristles well and shake out excess. A small amount of rubbing alcohol can also be used.
The nice thing about dry brushing is you don't need much to get started—just a brush. And since dry brushing has become popular, brushes are easily found. Try your local health food or beauty supply store or search online. Most dry brush experts recommend a natural bristle brush. These are made from plant sources like jute, sisal, even cactus fibers. Don't be tempted to buy a brush with super stiff, hard bristles. Firmer bristles don't mean better dry brushing. If it feels like you're running a wire grill cleaner across your skin, get a different brush. Your brush should never leave red marks, abrade the skin, or feel uncomfortable. The brush you use for your body won't work for the face. Instead, you'll need a smaller brush with much softer bristles. If even soft-bristled brushes are too
The dry brushing process isn't complicated, so don't be too worried about getting it "right." Once you've done it a few times, you'll develop a technique that works for you. Some proponents suggest doing your dry brushing in the morning, rather than before bed, because of its stimulating and energizing qualities. Do whatever is convenient for you. Use light smooth strokes, working from your toes up to your head. Do the front and back of each part of the body in turn, but do not brush any one spot more than twice. Remember the whole process should take just a few minutes. If you are doing your face as well, do this at the end (or some days I just do my face) and remember to switch to the face brush. The frequency of repetition is up to you, whatever you feel comfortable with. Maybe start with once a week and build up to once a day if you feel that’s right for you. Whatever you choose, you should feel good when doing it and afterwards your skin should feel soft and smooth.
email: nyrbhalla@gmail.com I web: us.nyrorganic.com/shop/tracybhalla I www. LogHouseAromatics.com Tracy Bhalla, independent consultant with NYR Organics and founder of LogHouseAromatics.com; after 25 years of using homeopathic remedies, it was time to take charge and complete my Aromatherapy Certification, which I achieved April 2020 and since founded LogHouseAromatics.com as a source for useful essential oil and general natural health information and a place to purchase certain products. email: nyrbhalla@gmail.com I am here to answer any questions you may have.
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Caregiving Support Cindy lives 500 miles away from her 89-yearold mother. She is becoming increasingly concerned about her mother’s safety as she is becoming more forgetful. She is worried about her mother living alone and wonders if she is taking prescribed medication and eating a well-balanced meal. Cindy knows that her mother does not want her to worry as her mother has often said she does not wish to be a burden. With these growing concerns about her mother’s welfare, Cindy realizes she needs a professional to help her to determine what kind of help her mother needs while allowing her to maintain her independence. The solution, A Geriatric Care Manager. Geriatric Care management emerged because of demographic shifts in the United States. These shifts included the lengthening of the average life span and the trend for families to scatter across the U.S. Geriatric Care management offers a solution to the long-term care needs of older adults as they strive to “age in place” and maintain their independence. The services offered by Geriatric Care Managers can give sons and daughters “peace of mind” as they continue to pursue their career. In addition to peace of mind, the resulting service can be a true blessing for parents and other family members as well. An estimated 2.5 million families can benefit from geriatric care management
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services. A Geriatric Care Manager can typically spend Approximately 5 to 10 hours per month assisting older clients and their families in arranging personal care services, monitoring the quality of care, and solving everyday problems related to home healthcare services, transportation, housekeeping, home maintenance, meal preparation, medication management, respite care and many other services. The Geriatric Care Manager can help families find answers to these questions: 1. Where can I find appropriate services to address the needs of my parents? 2. How can I be assured that my parents are eating a well-balanced meal? 3. Does my mother or father get confused regarding when to take their medication or the proper dosage? 4. How can I be assured that my parents are living in a safe environment? 5. Are my parents living a meaningful and productive life? 6. Is my parents’ health in jeopardy? 7. Are my parents’ finances being handled appropriately? A Geriatric Care Management-service can assist families with addressing the needs of older adults through a systematic personalized process.
By Christine Davis, BA, MS
These services may include: 1. Planning for the long-term care of parents. 2. Locating services, resources, supplies, and equipment for parents. 3. Evaluating and arranging for delivery of home healthcare and personal services. 4. Arranging and monitoring nonmedical services such as meal planning/ preparation, housekeeping, laundry care, companion care and a host of other services. 5. Assistance in scheduling medical appointments. 6. Evaluating assisted living, nursing facilities and other living arrangements. 7. Identifying the supports needed for parents to “age in place” and maintain their independence. 8. Assisting in facilitating the transition from medical facilities to other living arrangements. 9. Referral to legal resources to assist with preparation of documents including advanced directives such as health care representative, power of Attorney and living wills. 10. Benefits planning and assistance 11. Long distance caregiving. Fees for services are generally based on an hourly rate or individuals may qualify for other public funding A Geriatric Care Management Service can offer a wide array of services to ensure that older adults age in place gracefully while simultaneously maintaining their independence in the least restrictive setting possible. ABOUT THE AUTHOR: Christine Davis, BA, MS, is a Licensed Social Worker (LSW) in the State of Indiana. She has over 40 years of experience providing consulting services to older adults and people with disabilities. She is the author of “The Self- Directed Caregiving Guide. www.CrisLincare.com
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