SCORES & OUTDOORS: Lady bugs make their appearance

Roland D. Halleeby Roland D. Hallee

While at our granddaughter’s home on Sunday, I noticed many lady bugs in the window on the north side of the house. Unusual, in a way. They like warmth. That made me think:

Ladybug, ladybug, fly away home
Your house is on fire and your children are gone
All except one, and that’s Little Anne
For she has crept under the warming pan.

The ladybug as immortalized in the still-popular children’s nursery rhyme. They have been, for very many years, a favorite insect of children. But what about these little bugs that appear in our houses at certain times of the year?

Well, they come from the beetle family Coccinellidae, and are found worldwide with over 5,000 species, with more than 450 native to North America.

It is known by numerous names, but only in the U.S. is it called a ladybug. Other names include ladybirds, God’s cow, ladycock, lady cow and lady fly. Scientists increasingly prefer the name ladybird beetle, as ladybugs are not true bugs.

Coccinellids are small insects, and are commonly yellow, orange, or scarlet with small black spots on their wing covers, with black legs, head and antennae. A common myth is that the number of spots on the insect’s back indicates its age.

For the sake of this column, let’s refer to Coccinellids by the commonly-known name, ladybug.

A few species are considered pests in North America and Europe, but they are generally considered useful insects, as many species feed on aphids or scale insects, which are pests in gardens, agricultural fields, orchards and similar places. These insects were introduced into North America from Asia in 1916 to control aphids, but is now the most common species as it is out-competing many of the native species. While predatory species are often used as biological control agents, introduced species of ladybugs out-compete and displace native insects, and become pests in their own right.

Ladybugs are brightly colored to ward away potential predators. Mechanical stimulation — such as by predator attack — causes reflex bleeding in both larval and adult lady beetles, in which an alkaloid toxin is exuded through the joints of the outer shell, deterring feeding. Ladybugs are known to spray a toxin that is venomous to certain mammals and other insects when threatened.

These insects overwinter as adults, aggregating on the south sides of large objects such as trees or houses during the winter months, dispersing in response to increasing day length in the spring. Eggs hatch in three to four days from clutches numbering from a few to several dozen. Depending on resource availability, the larvae pass through four phases over 10-14 days, after which pupation occurs. After a moulting period of several days, the adults become reproductively active, and are able to reproduce again. Total life span is one to two years on average.

Predatory ladybugs are usually found on plants where aphids or scale insects are, and they lay their eggs near their prey, to increase the likelihood the larvae will find the prey easily. A larva uses its sharp jaws to crush an aphid’s body and sucks out the aphid’s juices.

The most common plants where you will find ladybugs include any type of mustard plant, such as other early blooming nectar and pollen sources, like buckwheat, coriander, red or crimson clover, and legumes, and also early aphid sources such as bronze fennel, dill, coriander, caraway, angelica, tansy, yarrow of the wild carrot family, dandelions and scented geraniums.

These insects are sensitive to synthetic insecticides.

Many cultures consider ladybugs lucky. In many countries, including Russia, Turkey and Italy, the sight of a ladybug is either a call to make a wish or a sign that a wish will soon be granted.

In Christian areas, they are often associated with the Virgin Mary, and the name that this insect bears in various languages in Europe corresponds to this. Though historically many European languages referenced Freyja, the fertility goddess of Norse mythology, in the names, the Virgin Mary has now largely supplanted her.

For example, freyjuhoena (Old Norse), and Frouehenge (Norwegian) have been changed into marihone, which corresponds with Our Lady’s Bug.

Although the ladybugs are beneficial insects to have around, they still gather the curiosity of children. In the animated film, A Bug’s Life, Francis the Ladybug (voiced by Dennis Leary) is an aggressive beetle and the clown in P.T. Flea’s circus. The contrast between him being a male and a “lady”bug, is a recurring joke in the film.

Don’t squish that ladybug, it will keep unwanted insects off your plants, and even entertain the children and grandchildren.

Roland’s trivia question of the week:

In 2018, which Red Sox player appeared at catcher, first base, second base, left field and right field?

Answer can be found here.

FOR YOUR HEALTH – The Cleaning Season: Dust Your Ducts

To make it easier to breathe clean at home, have your HVAC system inspected regularly.

(NAPSI)—When you breathe a sigh of relief after giving your home its annual thorough cleaning, you may be breathing in more dust, dirt, and pollution than you realize — unless you’ve also gotten the HVAC system cleaned.

A Hidden Problem

Through normal living, people generate a great deal of contaminants, such as dander, dust, and chemicals. These get pulled into the HVAC system and re-circulated five to seven times a day, on average. Over time, this causes a build-up of dirt in the duct work.

Some people are more sensitive to these contaminants than others. Allergy and asthma sufferers, as well as young children and the elderly, tend to be more susceptible to the types of poor indoor air quality that air duct cleaning can help address. Also, some homes may be more susceptible to certain pollutants, including places with pets, smokers, or remodeling projects.

An Answer

Fortunately, it’s easy to deal with. The experts at the National Air Duct Cleaners Association (NADCA) say HVAC systems should be inspected and cleaned regularly by a reputable, certified HVAC professional.

The ones who are NADCA members possess general liability insurance, are trained and tested regularly, sign on to a code of ethics, and must clean and restore your heating and cooling system in accordance with NADCA standards, so they provide a high level of security.

Learn More

For further facts on having healthy air in a healthy home, visit www.BreathingClean.com. To find a NADCA member nearby, go to http://nadca.com/en/prosearch/all and enter your zip code.

I’M JUST CURIOUS: Mothers Day special to me this year

by Debbie Walker

By Mothers Day this year (May 10) I will be a great-grandmother. It’s funny but it seems like yesterday I was waiting to become a grandmother in this same time period. Deana was pregnant and upset because her baby wasn’t due until after Mothers Day, but her husband would be celebrating his first Fathers Day that year.

Guess what! Babies don’t care about “due dates,” they come when they are ready. You guessed it. Mothers Day Deana had been a mother for about 24 hours. Tristin was born on May 9 that year.

And now it’s another Mothers Day and my daughter will be a grandmother this time. Tristin and Chris will be celebrating their child, Addison Grace, who is due May 1.

In the meantime, I found another book. This one is Humor for a Woman’s Heart, compiled by Sheri MacDonald. It has the chapter titled You Know It’s a Mothers Day When….

  • A delivery man appears at your door with a dozen red roses and he’s not lost.
  • Your children tell you how wonderful you are, and they are not setting you up for an allowance increase.
  • You get served breakfast in bed (up ‘til now the only way for you to get breakfast in bed was to sleep with a Twinkie under your pillow).
  • You get thanked for all the little things Mom’s do throughout the year like cooking, cleaning, helping with homework, saving the universe ….
  • But most of all, you know it’s Mothers Day when your family tells you what a loving, kind, warm-hearted person you are, and no one brought home a new pet!

Another chapter I would like to share with you is 11 Tips to Surviving Swimsuit Shopping. It is fast approaching the time to bite the bullet and go buy a new bathing suit. Here are your tips:

  1. Begin fasting as soon as you set your shopping date.
  2. Select store based on dimness of their lighting.
  3. Get a pregnant friend to accompany you.
  4. Check for suits tagged with bust-enhancing, waist- nipping, thigh slimming features. Ask salesperson to point out section with “all of the above.”
  5. Tell yourself it’s your underwear that’s making the suit look so bulky.
  6. Tell yourself these are “trick mirrors.” You are really much slimmer in real life.
  7. Convince yourself that suits with built in shorts are not dorky. They are chic.
  8. Try on all 17 styles the store carries. head for a dimmer store.
  9. Remind yourself that round is the most aesthetically pleasing shape in nature.
  10. Practice sucking in your thighs.
  11. On your way home with the all-black, waist-nipping, thigh-trimming suit, celebrate by stopping at ye olde ice cream shoppe. Order the banana split. But skip the whipped cream. It is, after all bathing suit season.

Let me know what your thoughts or concerns are at DebbieWalker@townline.org.

You know me, I am just curious. Thanks for reading.

On a more serious note: We are all involved in this health concern, some more than others. Think of others and the help they might need. With people being asked to stay at home there will be more cases of depression. Again, think of others and how you can help.

REVIEW POTPOURRI: Placido Domingo, Dean Martin, Gene Krupa

Placido Domingo

Peter Catesby Peter Cates

Miscellany!

Placido Domingo

Opera singer Placido Domingo, who’s 79, has tested positive for coronavirus. We can all hope he will be fine, as people even older are recovering from this. But we need to continue with the suggested safety steps, too.

While on the subject of Domingo, I have some of his recordings – various complete operas, single arias, and three tenors collaborations with Pavarotti and Carreras. He also has had a long, professional singing career and seems to have paced himself, as opposed to some singers who ruin their voices earlier. His Cavaradossi on the Leontyne Price Puccini’s Tosca set conducted by Zubin Mehta is a good introduction to his artistry.

Dean Martin

Dream with Dean
Reprise LP, August 1964 release.

Dean Martin

Dean Martin was a singer of talent, even if not on the same level as Frank Sinatra. He phrased with intelligence, suavity and an astute sense of timing.

This album featured him in a small jazz combo setting, accompanied by four very fine instrumentalists – guitarist Barney Kessel, pianist Ken Lane, bassist Red Mitchell and drummer Irv Cottler. Dino sang such staples as My Melancholy Baby, Fools Rush In, I’ll Buy That Dream and a scaled down, subdued Everybody Loves Somebody plus eight additional selections. And it can be heard on YouTube.

Gene Krupa and His Orchestra

It’s Just a Matter of Opinion; That’s My Home
Columbia, 37067, ten-inch 78, recorded mid-1940s.

Gene Krupa

Gene Krupa (1909-1973) was a truly gifted musician on the drums who expanded their boundaries from mere rhythm to outstanding artistic virtuosity on the 1930’s hit recording, Sing Sing Sing, by Benny Goodman’s orchestra. At various times during the ‘40s and ‘50s, Krupa led his own orchestra and recorded a number of 78s for Columbia Records.

Both sides feature the very good jazz singer, Buddy Stewart (1922-1950), who is joined in It’s Just a Matter… by Carolyn Grey, who was heard often during the big band days. The songs are not well-known staples but they are quality listening in their vocal and instrumental arrangements.

Krupa played frequent battles of the drums with friend Buddy Rich in concert and recording. He also struggled with heroin addiction but overcame it. Buddy Stewart was killed in a car accident at 27 while on a road trip to New Mexico to be with his wife and child. Carolyn Grey is still living at 98.

INside the OUTside: Mild winter cuts ski season prematurely short

Paule Bergeron, center, account executive for Québec City Tourism, speaks with CVOA members during a ski trip to Québec City recently. (photo by Dan Cassidy)

Dan Cassidyby Dan Cassidy

What was turning into a lackluster ski season beginning with mid-to-late December and running into March, the ski area of choice, Sugarloaf Mountain had put out a tremendous amount of coverage from their snow guns covering trails from January to mid-February when all snowmaking hoses and guns went silent.

Thanks to the weather, occasional snow showers kept the trails in pristine condition, thanks to groomers that kept the corduroy slopes in top shape.

While ski conditions were in great shape, unfortunately, Mother Nature didn’t help much as wind, cloudiness and low light made it more difficult to enjoy the runs.

In mid-February, about 20 (CVOA) Carrabassett Valley Outdoor Association skiers and snowboarders ventured to Québec City for four days. The group was spearheaded by Peter and Judy Weston. Our lodging was at the Manoir Victoria right at the entrance of the “Old” City where the Winter Carnival was being held. The hotel provided a large conference room for our convenience to enjoy Happy Hour each evening.

Our first day on the slopes was spent at Mount Saint Anne, where we enjoyed fresh snow, wonderful trail conditions and pristine views of the Saint Lawrence River and Québec City that was visible towards the south.

Our second day we traveled north to LeMassif, a great ski resort that is about to get much larger, thanks to a new Club Med hotel that is under construction along with several condos along the shore of the Saint Lawrence River, and due to open next season. Also, right at the river’s edge are railroad tracks that transport passengers from Québec City through Le Massif and onto Bay Saint-Paul, a beautiful four-season village. Le Massif is also the training slopes of the Canadian Ski Team.

Our third resort that we visited was Stoneham located about an hour to the north-west of Québec City. Although it snowed all day, it seemed that the ski conditions improved while we were there. On this particular day, trails were not crowded and the snow was very light.

Our last evening at Happy Hour, I invited Paule Bergeron, business development account executive of Québec City Tourism, to tell our group about all the many things that Québec has to offer, both winter and summer. She informed us about all the wintertime activities that included skiing, ice skating, snowshoeing, attending the many outdoor activities during their huge winter carnival right into spring and summer with all the carnivals, paved biking trails, boating, museums, hiking and many other activities.

Clean your ski gear

So now, with plenty of snow still lingering in the mountains of Maine, but with no lifts turning and gatherings not allowed due to an unseen virus that has destroyed many thousands of lives, I’ve already taken down cleaned and stored my on-the-roof ski box, cleaned my skis, boots and all my ski gear and stowed them away until next year. Just a note on putting ski gear away, be sure to pull your inner boots out of the exterior boots, wipe them down, apply a light coating of powder inside the inner boots and store. That way, you’ll be sure the inner boots will be dry and ready for next season.

As soon as temps rise and the predicted snowstorms melt away, it will be time to get out the bike and do some serious riding to stay in shape. Be sure to check out all the parts of your bike, check the brakes, lubricate and make sure your tires are in good shape.

Hope to catch up with you on some bike trails and really hope this COVID-19 gets busted! Stay healthy and stay safe!

SOLON & BEYOND: Hopefully, April scheduled production will still happen

Marilyn Rogers-Bull & Percyby Marilyn Rogers-Bull & Percy
grams29@tds.net
Solon, Maine 04979

Good morning, dear friends. Don’t worry, be happy!

Instead of all the bad news out there, I’m going to start with a wonderful message I received on our family website from my daughter in law, Sherry Rogers. “In a society that has you counting money, pounds, calories, and steps, be a rebel and count your blessings instead. (Peter started this family website several years ago, and it has made this mother very, very happy!) I hope you all like its message, Thanks, Sherry.

Received an e-mail from Diana Perkins on March 9, but hadn’t put it in until the date of the event was closer. Now I’m going to print it and hope when the time comes, it won’t have been canceled. A travelling Production Company will be giving their annual live drama presentation of Heaven’s Gates and Hell’s Flames at the Riverside Assembly Church, 32 Water Street , Fairfield, on Sunday April 26, Monday April 27, and Tuesday April 28, at 7 p.m., show times. Free admission! For more information call (207)453-7342. All are welcome!

She ended her note with the following words, which really made my day! Dear Marilyn, I read your column religiously and enjoy all your news. I hope that this can be used in your column when the appropriate week is closer. If this cannot be used in your column, please let me know the appropriate person to contact to have this announced in our area. Thanks for all the good information that you share with readers.

The following information is from Angela Stockwell: Dear Readers, The March newsletter is ready for viewing. With the spread of coronavirus throughout the world and into Maine, the library is closed to the public until April 6. Many of the articles within the newsletter may mention event dates and deadlines which may have been postponed or canceled. Please check the MCS Library Facebook page for updates at www.Facebook.com/MargaretChaseSmithLibrary. The staff is working from home and technology will allow us to keep abreast of inquires.

Featured in the newsletter are articles about the essay contest and National History Day in Maine, the newest exhibit, our newest staff member, new leadership, as well as a visit by “Flat Stanley.” A reminder to “Save the Date” for May 22 for the annual Maine Town Meeting. As Dr. Richards reminds us in his “Directions” article, “Wash your hands and sneeze into your arm. Take care and stay well. ” Again, my thanks for that information.

And now some news from Happy Knits in Skowhegan; Dear Yarn Friends, At a time when it seems like the world out there is changing from one hour to the next, one thing we can rely on is our own connection to each other. That won’t change, even if we have to adjust our lives temporarily to keep each other safe and healthy.

From the time being, we have decided to suspend our group knitting activities (Tuesday nights and Thursday afternoons) for the sake of our patrons and staff. This is a temporary measure, and will resume as soon as we hear that it is safe to do so.

As yarn and fiber users, we all have our handwork to fall back on if we need to hunker down at home for a bit. In that way we are so much more fortunate than others. If we have to slow down our human interactions for awhile, we still can reach out to each other in other ways. Let’s keep in touch.

There is only room for a short one of Percy’s memoirs this morning. I don’t know who wrote it. It was on a small piece of paper that I had printed it on… “Old gardeners never die, they just lose their bloomers!”

GARDEN WORKS: Getting through times of change

Elisabeth, 14, in an office in Babelsberg, Germany, in 1954. (contributed photo.)

Advice from a survivor of WWII

Emily Catesby Emily Cates

Well, folks, I was planning on writing another article in my series about good finds from seed catalogs, but with everything happening with COVID-19, I figured it would be prudent to write about something more relevant. In this new era of uncertainty and social distancing, many of us appreciate helpful information on how to get through it all.

While unprecedented to most of us in modern America, these circumstances are surprisingly similar to events experienced by those in our area nearly a century ago during the Great Depression, and also by folks who made it through World War I – World War II in Europe and beyond. In this article I will share with you a few things I gleaned from discussions I’ve had with my mother-in-law, Elisabeth, who survived World War II and lived for decades in Communist East Germany (DDR) before a dramatic opportunity in 1969 led her to Maine. While her story could fill an entire book, I’ll try to highlight the weightier points, and add a few that other family members have pointed out to me.

One of the first things she mentioned was how grocery shopping in the past week or two reminded her and family and friends back home of grocery stores in the former DDR. Many shelves now, like then, are empty as shoppers engage in panic-buying and hoarding. Back then, you had to buy something when you saw it, since you never knew when or if you’d see it again. However, she remarked how unnecessary it is for shoppers here to behave this way, since our infrastructure — unlike the DDR’s — is intact and operating.

Yes, Elisabeth thinks it’s always a good idea to be stocked-up on necessities at all times, but preferably before a crisis, so that others who have a real need are able to obtain their groceries. “You’re not going to starve to death,” she says, “since even if your food gets stolen, you can go outside to your garden and also find edible weeds. You might not get what you want, but you will find something.” I’ll take that advice, since it comes from someone who oftentimes refused to eat so that her little sister would have food.

Another point she mentioned was how useful it was to have a garden. With her thick accent, she affirms: “Plant lots of beans and peas; plant carrots, beets, and other root vegetables.” In the aftermath of World War I, in the winter of 1919-1920, many inhabitants of Continental Europe, including Elisabeth’s father, had mostly turnips to eat. Every recipe you could imagine was made with turnips, including turnip jam. Naturally, when other foods became available, few folks ever wanted to even think about a turnip again. While one could argue we’re not — yet — in the same situation here, the point is to never underestimate the power of root vegetables to sustain humankind through turbulent times. How much better, though, to have a nice variety of them, rather than just one!

As they were able to, many folks in Post-World War II Europe did what they could to get by. Those that had the room and circumstances took advantage of every opportunity to be self-sufficient, including raising chickens, scooping up horse manure from the street for the garden, and bartering. Regarding sweets (from which many of us would be hard-pressed to abstain), Elisabeth’s parents had a huge washtub in their cellar in which they boiled down sugar beets for syrup because they couldn’t obtain granulated sugar. They would have this syrup as a sweet treat once a week and for special occasions. They also raised goats for milk and meat, but on one occasion they fell in love with the baby goat, and after Oma spent hours preparing a roast of it, nobody in the family could eat it. They gave the roast to their neighbor.

The last thing that comes to mind from our conversations is the importance of a meditative space in stressful times. Oftentimes overlooked, but equally important, is the mind-healing properties of a garden. When everything around us seems to crumble, the natural world reassures us of the bigger picture. In the garden we share a place where we can be nourished, grounded, and guided. May we never lose sight of what really matters, and be there for each other no matter what comes our way.

In closing for this article, I’d like to hear your thoughts. What do you think would help us get through tough times? Please leave a comment on our website or Facebook, or email me at EmilyCates@townline.org.

Take care, be safe, and best wishes for the Springtime.

SCORES & OUTDOORS: Life seems to have slowed down

Ice free Webber Pond.

Roland D. Halleeby Roland D. Hallee

Well, here we are. All stuck in the same place. I realize the severity of the COVID-19 coronavirus that has now taken a strangle hold on all of our normal every day lives.

But, after speaking with several other people, with the media blitz we are getting from the news, it is becoming a little much. I understand that it is suggested that we all stay in our homes, until this passes, so as to not spread the virus any more than is occurring.

Last weekend, I spent many hours in my garage, at home, while processing the maple sap I gathered during the previous week. That is always a promising time of year. The gathering of maple sap, and converting it to that sweet, homemade maple syrup, usually, in my mind anyway, marks the end of winter. At least it’s within sight. I even took the time to clean my car from the winter grime and clutter that accumulates inside the car, by what seems like mysterious ways. Where did all those receipts and cough drop wrappers come from?

The day was Saturday, and it was quite a pleasant day, save for the cold wind that would gust up from time to time. One thing I did notice was that my neighborhood, which is located in the middle of the city of Waterville, was quieter than normal. Far less vehicular traffic than in the past. No buses nor children walking home from their daily schooling. Not a sniff of diesel fuel in the air.

Oblivious of the coronavirus outbreak were the numerous birds that visited our feeders which hang from our side porch. In and out, all day long, going about their normal routine.

Squirrels scurrying about, from tree to tree, down the driveway and across the street. A never-ending process of survival. I did notice, however, that winter, and even the spring’s strong winds, had dislodged a nest from high in one of my pine trees. Do squirrels begin to build new nests, or do they bunk in together in someone else’s crib?

On Sunday, a beautiful day of sunshine without a cloud in the sky, my wife and I decided to take a Sunday drive. Something we had not done in quite some time because there was always something else to do. With our church suspending all Sunday Masses for the foreseeable future, we took advantage of the extra time to get out of the house. After all, we would be in our car, and have no physical contact with any other human beings.

We decided to do the circular drive through the towns around China Lake. Rumors had it that ice was out.

We proceeded out of Winslow and toward China on Rte. 137/202. As we approached the head of the lake, it was, “nope, ice is not out yet.” Let’s go take a look at Three Mile Pond and Togus Pond. “Eureka, ice out at both locations.” There is hope after all.

The last destination would be our lake, where we spend the summers, Webber Pond. Sure enough, ice is out on Webber Pond, except for a small portion in the east cove. Historically, that will disappear quickly as winds shift the ice.

After arriving home, we sat and discussed our little excursion of the day.

It reminded us of the “good ol’ days.” Being able to go for a Sunday drive without the problems of heavy traffic. Hardly anyone on the roads.

It almost seems like since the outbreak of this virus, life has actually slowed down.

It is interesting, though, to observe Mother Nature, at its finest, continue at its own pace, with all the wildlife going about their own routine.

The bears are awakening from their winter slumber, as are skunks, raccoons, and something I saw in the road on Sunday that I was not able to identify while driving back to Waterville along Rte. 201. Soon, we should begin to see opposum, woodchucks and other species that go into partial hibernation during the winter months.

Spring is all around us, and we anxiously await the warmer days and the time when this virus has become history and part of our memories.

Stay safe. Think about the coming of warmer weather, and the emminent all out war against black flies and ticks.

ICE OUT
DID YOU KNOW?

Ice out has been recorded on China Lake since 1874. In the 132 years between 1874 and 2005, ice went out in March on only four occasions – 1901, 1902, 1953, and 1981. In the 14 years since, March ice out has also occurred four times, 2006, 2010, 2012, and 2016. Should ice go out before next Wednesday, it will mark the fifth time in 15 years.

You could make a good case for climate change.

Roland’s trivia question of the week:

How did former Red Sox shortstop Nomar Garciaparra get his first name?

Answer can be found here.

AARP OUTREACH: Financial planning for the future

by Japhet Els

Three glass Ball jars were arranged on the kitchen table. From my perspective as a nine-year old, they seemed large. One jar was labeled, “College Fund.” Another, “Short-Term Savings.” And the last jar, “Long-Term Savings.” My mother was pretty straight-forward and the labels reflected her simplicity in teaching the basics of money.

“With each dollar you earn, you’ll have to put at least 25 cents into the college jar. And another 25 cents into the long-term saving jar. After that, it’s up to you.” I didn’t realize it then, but my mother was teaching me the habit of how to save money. Three jars. Three goals. Three ways to build some security for the future.

I was lucky. Not everyone is taught these lessons early on, but it’s never too late to learn.

Maine is facing a retirement savings crisis that could put us on the financial mat in the near future. One-third of Mainers 65-plus rely entirely on their Social Security check which averages just $1,100 a month. The average working Maine household has just $2,500 in retirement savings. That’s not a nest egg. It’s barely an emergency fund. Shockingly, 46 percent of all private sector workers in our state don’t have access to a retirement savings program through their workplace, often because they work for a small business that doesn’t have the time or money to shoulder that burden.

The coming wave of financial insecurity will not only stress Maine families, but important programs like Social Security and Medicare, too.

Retirement savings participation hasn’t changed much in more than 40 years. Despite education campaigns and awareness efforts, there’s been only a slight increase in the number of workers putting money away in a retirement account since the 1970s.

So what can be done? It’s not just about educating younger workers, or giving them a “kick in the pants” to do the right thing. We know what works when it comes to saving for the future. U.S. workers are 15 times more likely to save for retirement when we can do so through our own paycheck. We’re 20 times more likely to do so if that savings is automatic.

The good news is there’s a solution and it is building momentum. LD 594 is a bill currently working its way through the Maine State House. It would establish a public-private partnership allowing any Mainer not currently offered a retirement program through their workplace to start saving for their future. Here are the key parts of the bill that we think make it a “no brainer:”

  • No requirements or burdens on the small business owner including no liability and no matching requirement.
  • Smart government opens up new markets, enabling businesses to connect with underserved consumers. LD 594 would finally allow small business employees the chance to save with approved financial institutions who are currently out of reach for the typical Maine worker.
  • Portable: The employee retirement account follows the employee from job to job making it easier to save for seasonal workers and part-time workers.
  • Education: Each employee who participates will learn the value of saving for the future, even if at first the savings are small.

Helping more Mainers save for retirement is a rising tide that lifts all boats. This isn’t just a personal finance issue, it’s a state and community finance issue. Maine spent $28 million on vital social services for older Mainers in 2016. This number will only go up as more and more Mainers age with fewer and fewer dollars saved for retirement. If we can make it easier for more working Mainers to save for the future, it will mean more savings for taxpayers in the future.

The bottom line is we can either pay a little today or a lot tomorrow. We can either work on smart policy to modernize retirement savings in the nation’s oldest state, or we can point the finger at educators and parents while doing nothing to address the problem.

We (and you, dear Reader) can do something. Call and email your local state legislator and urge them to support LD 594. It’s common sense legislation for Maine workers, and common sense savings for Maine’s future.

We may be the oldest state, but we’re primed to lead the way on the most important issues facing our multi-generational communities. We owe it to those who’ve helped shape the Maine of today through hard work and grit, to continue to develop and build the Maine of tomorrow.

Japhet Els is Outreach Director for AARP Maine.

FOR YOUR HEALTH: Seven Myths You May Mistakenly Believe About Long-Term Care

Preparing for a pleasant retirement should include considering a long-term care planning solution.

(NAPSI)—As you develop your retirement plans and think about how a potential need for long-term care may impact those plans and your loved ones, certain misconceptions may prevent you from taking action.

So—let’s dispel these seven common long-term care myths:

Myth #1: I’ll never need long-term care.

According to the U.S. Department of Health and Human Services, almost 70 percent of Americans turning 65 today will need some type of long-term care in their remaining years.1

Myth #2: Government programs will cover all of my long-term care expenses.

Medicare pays for nursing home care, but only a portion of the costs for a maximum of 100 days and only if the three-day hospital stay requirement has been met. And, while Medicaid covers certain long-term care costs, it’s intended to be a safety net for those with limited or minimal income and assets. To qualify for benefits, you must spend nearly all of your savings and reduce most of your assets before the government will step in to help.

Myth #3: My family will take care of me.

The financial, physical, and emotional stress that full-time caregiving may place on families can be overwhelming. Sometimes the best way to take care of a loved one needing long-term care is to ensure they have access to professional care. With advances in home care services, many people needing long-term care are actually able to stay at home, with or near family, and still receive the professional care they need.

Myth #4: I can pay for my long-term care out-of-pocket.

In 2018, nursing home costs averaged more than $91,000 a year nationally.2 The majority of Americans would quickly deplete their retirement savings if they needed care for an extended period of time. Even if you can afford to cover long-term care services out-of-pocket, consider the benefits of sharing the risk and costs using a long-term care planning solution such as insurance.

Myth #5: I am better off waiting until I am closer to retirement to obtain long-term care coverage.

Generally, it is best to plan for long-term care in your 40s or 50s when you are younger and more likely to be healthier and insurable (underwriting is required). Also: premiums are generally lower when you are younger. Your insurability can change any time and a need for care can arise at any age, so purchasing coverage earlier can be a wise decision.

Myth #6: Long-term care coverage is just too expensive.

Long-term care coverage options have evolved to meet most any need, with some options starting at $100-$150 per month per person. Plans can be personalized to suit your budget and discounts may be available to partners and spouses. Even a small policy can help reduce the financial and emotional burden of a long-term care event and provide access to valuable benefits.

Myth #7: Long-term care policies only cover nursing homes.

Long-term care solutions may offer valuable benefits that allow you to stay in your home for as long as possible. Some even reimburse family members for providing care. Long-term care solutions can also help cover the cost of adult day care centers, assisted living facilities, and nursing homes as care needs evolve.

Some of these misconceptions may have prevented you or a loved one from creating a plan to address future long-term care needs. It’s important to take a step back, consider your financial plan and desired future care, and how you want to address it with you and your loved ones in mind.