THE MONEY MINUTE: Enjoy every age, they’re all good

by Jac M. Arbour CFP®, ChFC®
President, J.M. Arbour Wealth Management

Something I enjoy in life more than most things is sitting and chatting with a voice of experience. I recently had a conversation with a friend who is going strong at 91 and certainly has that voice. She was blessed to share a marriage with the love of her life that lasted up until his death earlier this year; they had celebrated 73 years together.

My friend keeps a calendar with important dates, and I felt fortunate when she mentioned that I had a birthday coming up (which let me know I made the cut). “How old will you be this year, Jac?”

“Thirty-five,” I responded.

She sat back in her chair and, with a big smile, reminded me that I have a whole lifetime ahead of me. “Oh, to be 35,” she said. She reminisced for a few moments, and joked about how all the women in her friend group use to lie about their age in an attempt to stop the aging process altogether. She looked at me (just a bit more seriously, but not really), then came the voice of experience: “There is no reason to hide your age,” she chuckled. “They are all good, and you should enjoy every age.”

Later, we were going through a bunch of old things in my friend’s basement, each with a vivid memory attached to it, and she asked if I would carry a number of things upstairs. So, without hesitation I picked them up and, taking two steps at a time as I always do, ran up the stairs to place them where she had asked. When I was halfway up the stairs, I heard her say, “Oh, to be able to go up the stairs like that.”

It’s amazing how much we take for granted or don’t think about simply because we have never been older than we are right now. We don’t know what we don’t know, as they say, or what we haven’t yet experienced. Life itself is clearly one of the greatest teachers, but so too can be those who have been there already.

I hope that, wherever you are on your journey, you stop to acknowledge where you are now. Every point is good. No matter what.

Here is what I promise: There is a difference between communicating and connecting. Aim for the latter, and the voice of experience is something you might get to hear.

See you all next month.

Jac Arbour CFP®, ChFC®

Jac Arbour is the President of J.M. Arbour Wealth Management and can be reached at 207-248-6767.

Investment advisory services are offered through Foundations Investment Advisors, LLC, an SEC registered investment adviser.

Give Us Your Best Shot! for Thursday, October 31, 2019

To submit a photo for this section, please visit our contact page or email us at townline@fairpoint.net!

SPECTACULAR: Stephanie Vinson, of China, photographed this spectacular sunrise over China Lake recently.

COLORFUL: Tina Richard, of Clinton, captured this fall foliage scene from the gazebo, in Fairfield.

FOR YOUR HEALTH – Medicare Enrollment Season Is Here: 5 Tips To Make Sure You’re In The Right Plan

(NAPSI)—Medicare’s Annual Enrollment Period runs from October 15 to December 7, 2019. This is your yearly chance to shop for insurance coverage that best meets your needs. People covered by Medicare will have even more plans with a host of new benefits to choose from for 2020.

Here are five things to keep in mind for Medicare’s Annual Enrollment Period.

  1. Review your 2020 coverage options. Medicare Advantage plan details change each year, so the policy that was the least expensive or best match for you in 2019 may not be right for 2020. Changes to premiums, deductibles and co-pays can be costly. A recent eHealth analysis of people using eHealthMedicare.com to compare Medicare plans found that fewer than one in ten were enrolled in the lowest cost plan for their personal prescription drug regimen. Those who switched to their optimal drug plan stood to save an average of $900 per year.
  2. Look out for drug coverage changes. It’s common for insurance companies to tweak their list of covered drug and prices. That can mean higher out-of-pocket expenses. Check to make sure that the medications you need are still covered by your plan in 2020, and pay close attention to any special rules you need to follow to get the most coverage for your medications. Online tools, including eHealthMedicare.com’s prescription drug coverage comparison tool, can help you find the best option for 2020.
  3. Make sure your doctors are still covered. The doctors and hospitals that participate in your Medicare plan’s network often change each year as well. Make sure your preferred providers are covered under your current plan or any new plan that interests you. The amount you’ll pay when you get care from a doctor or hospital that does not participate with your plan will be higher than what you’ll pay if you stay within your plan’s network, and some health insurers won’t cover out-of-network providers at all, except in an emergency.
  4. Compare benefits. Along with price comparisons, be sure to review the full range of services and benefits offered by competing Medicare plans. These can include everything from preferred pharmacy and mail-order prescription discounts to dental, vision, hearing and even fitness benefits. And for 2020, many Medicare Advantage plans will offer supplemental benefits that provide additional assistance to people with chronic illness, such as non-emergency transportation, virtual medical visits, caregiver support, nutritional counseling and meal delivery, and air conditioning, among others.
  5. Work with a professional to understand your choices. To make sure you’re viewing a wide range of plans available on the market, work with an expert in Medicare products that represents more than just one insurance company. It doesn’t cost anything extra. A licensed agent can help you understand and make sense of all your options and select coverage that best matches your needs, budget, and lifestyle.

I’M JUST CURIOUS: Those crazy November “holidays”

by Debbie Walker

It is almost over, all these holiday reminders. Hope you have found some new holidays to look forward to, let me know the special ones to you.

Nov 2: Book Lover Day – This should be my birthday! It is a day for finding a comfy seat either in the sun or shade, depending on your liking. Find that place to relax with a good book.

Nov. 3: Housewife Day – Thank all the ladies who stay home and tend to the house and family. It was the way of things some years ago when one income could support a family. The “good ole days.”

Nov. 6: Marooned Without a Compass Day – I would say the GPS has changed things for some of the compass carrying folks. When I drove to Ohio the first time my 28-year-old granddaughter said, “Nana, how did you find your way to Steve’s with no GPS? I introduced her to the Atlas and Compass. And they don’t need batteries nor Wi-fi!”

Nov. 7: National Men Make Dinner Day – This is to give the ladies a break from some daily chores. (This includes cleaning dirty dishes, clean off table and sweep the floor). It is also to encourage men who don’t know how to cook to learn!!

Nov. 8: Chaos Never Dies Day – If you think your life is chaotic today, just wait until the holiday season arrives!

Nov. 11: Veterans Day – It is to honor all members of the Armed Forces who served this country valiantly. Thank you all.

Happy Birthday Brother Blake. Rest in Peace.

Nov. 13: Sadie Hawkins Day – Do you remember Al Capp’s “L’il Abner Cartoon”? Sadie Hawkins Day started because the Mayor of Dogpatch wanted to marry off a daughter. The only way this girl was going to get a guy was by catching him in a race! Catch him and he must marry you!

Nov. 15: Clean Out Your Refrigerator Day – Use this day to clean out the refrigerator from top to bottom. Use the old saying for your guide: “When in doubt, throw it out’!

Nov. 20: Absurdity Day – Celebrate this in an absurd manner. Find things to do that are somewhat, if not wholly, illogical. Have fun with it. Have a wonderful, mind boggling and absurd day!

Nov. 27: Pins and Needles Day – This was the name of a pro-Labor play on Broadway on this day in 1937. This is a “Pins and Needles” Day when you are waiting for a special event. Relax and enjoy!

Nov. 29: Buy Nothing Day – On the day after Thanksgiving in recent years, people have celebrated the day by insane shopping for Christmas. Buy Nothing Day is to promote a little bit less craziness and a few less gifts to celebrate the Christmas holidays. We have gone crazy in debt for this holiday.

Nov. 30: Stay at Home Because You are Well Day – Celebrate this with caution. Your job may depend on it. Good Luck

I’m just curious which holidays you will choose to celebrate. Let me know how you did, please. This information came from a website called Holiday Insights. I hope you enjoyed the column. Contact me at dwdaffy@yahoo.com.

REVIEW POTPOURRI: Tchaikovsky Symphony No. 6

Muir Mathieson (1911 – 1975), Scottish conductor, film score composer and director of musical documentaries, pictured while conducting, 1954. (Photo by Baron/Getty Images)

Peter Catesby Peter Cates

Tchaikovsky Symphony No. 6

“Pathetique”; Muir Mathieson conducting the Sinfonia of London. Camelot CMT 102, stereo LP, recorded 1958.

Peter Ilyich Tchaikovsky’s 6th Symphony was given its world premiere on October 28, 1893, nine days before he died at 53. He wrote a letter to his nephew that year describing his feelings about what would be his last work :

“It would not surprise me in the least if this Symphony meets with abuse or unfavorable criticism. It would not be the first time. I myself regard it as the best and most sincere of all my works. I love it as I have never loved any other of my musical offsprings before.”

As in so many of his major works – the 1st Piano Concerto, Violin Concerto, Swan Lake and Nutcracker ballets, Romeo and Juliet, 4th, 5th and Manfred Symphonies etc.; – the composer so brilliantly poured his entire heart and soul into the Pathetique Symphony (his own meaning of the word vaguely hinted at as ‘private and personal’.). He also utilized the entire range of dynamics from softest to loudest.

The Symphony has been performed and recorded infinitely countless times; I have scads of different performances ranging from A-plus to bad. It has never gone sour for me and even the worst performance has something interesting.

Muir Mathieson (1911-1975) was best known for composing soundtracks for English movies and conducting those of other composers. This recording is superb and stands out in a very distinguished catalog; it can also be heard on YouTube but the Symphony’s four movements are posted separately.

WOH to host live Metropolitan Opera

The Waterville Opera House is hosting live links from the Metropolitan Opera in New York City. The next one is Puccini’s Madame Butterfly on November 9. I attended Puccini’s last opera Turandot on Saturday, October 12, and Massenet’s Manon this past Saturday, October 26.

Highly recommended. Check the Waterville Opera House website for times.

SOLON & BEYOND: Teacher-less painting classes continue at adult ed

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

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

The 30th annual craft fair , hosted by North Anson Snowmobile Club, on Saturday, November 2, from 9 a.m.to 2 p.m., at Carrabec High School, in North Anson. There will be hot food, donuts and pies for sale along with over 70 crafters!

I copied the above information from a poster on the wall at Griswold’s. It is really a great opportunity to find Christmas gifts and many other things for yourself or friends.

I have always had a table there from the beginning, but this year I listened to friends and family who convinced me that maybe I should slow down a bit! And so I passed on my space to my granddaughter, Amanda Walz, who has been making lots of different goodies. I will be there helping her some, and will have a few things that I have made. Hope to see you all there!

And the above is all the recent news I could round up, so many of you have been asking me how many years I have been doing the teacher-less project at the Skowhegan Adult Ed classes. I really don’t know for sure but I found some information on a poster I had made about that club. It was an article I had written for The Town Line back on April 13, 2006, about this, with a picture they had taken of club members at that time. (That was a meeting when we were going to come up with a name for this club, so it had been going on for some time before that.)

These are the words I used in the newspaper article: “For the past few years I have been taking the oil painting classes at Skowhegan Adult Education and enjoying them immensely. Peggy Riley was the teacher and I had learned many new techniques through her instruction, and had made many new friends. Peggy decided that she wouldn’t be teaching when the January sessions started up again, and when I saw that the classes weren’t going to be offered for that semester I was disappointed.

(The article was too long to get in this column so this is a shorter version of the one that was printed.) I came up with the crazy idea of having a teacher-less painting club. I went to the administrator’s office and asked them if they would let me do this with a teacher-less person running it. Was very, very happy and pleased when they gave their permission.

When I arrived the first night I was given the attendance folder with M. Rogers, instructor, on the cover. The word “Instructor” went to my head a little, and one night when one of the members was misbehaving, I gave him a push and he nearly fell over, bending his glasses in the near fall. Since then I don’t rule with an iron hand!

Some people would not agree with that statement, I’m pretty sure! I have stressed, (without any violence) that I would prefer that there wouldn’t be any discussions on two topics, politics and religion while we are there so that those who love peace while they paint, can enjoy their stay there! Have had a fear that that is probably against “Freedom of Speech,” but I do know it can get pretty rowdy and loud with some discussions!

And now back to the picture and write up about this teacher-less painting class! Members at that meeting were Suzanne Currier, Shirley Foxwell, Linda Sullivan, Gerda Pilz, Betty Dow, Dana Hall, Linwood Turcotte, Peter Foxwell, and me. The column ended with these words: “We meet every week for three hours of relaxation in a pleasant atmosphere and I know I look forward to our Monday night sessions. I’m pretty sure the other nine members feel the same way. I am so happy that the Skowhegan Adult Education had enough faith in us to try this experiment with a teacher-less club, and my thanks go out to them.”

And now for Percy’s memoir: Enthusiasm may mark the difference between success and failure. Undertakings entered into half-heartedly often lack the extra or the plus that can lift them over the hurdle. A whole heart comes with confidence and with belief in what you are doing. As St. Paul said, “Whatever you do, put your whole heart and soul into it, as into work done for God.”

COMMUNITY COMMENTARY: Question 2 makes people with disabilities part of the election process

by State Representative Bruce White

Election Day is right around the corner. At the polls, you’ll see two ballot questions that come from our work in the Legislature. The first asks if you’d like to authorize a $105 million bond for transportation infrastructure projects, things like road and bridge repairs. The second question comes from a bill I submitted last session and aims to make the political process more inclusive and accessible. This bill had bi-partisan support in the legislature.

Question two will read, “Do you favor amending the Constitution of Maine to allow persons with disabilities to sign petitions in an alternative manner as authorized by the Legislature?” This would allow persons with physical disabilities who cannot sign their own name to use an alternative method to sign citizen’s initiative petitions and people’s veto initiatives.

Alternative signatures for people with physical disabilities are already approved for the purposes of voter registration, change of party enrollment, candidate nomination petitions and Maine Clean Election Act forms. This question simply expands the existing provision and helps ensure all Maine residents are given the opportunity to participate in our political system.

The original idea for this bill came to me from the Secretary of State’s Office, and I was immediately excited and honored to sponsor the legislation. By allowing people with disabilities to use a signature stamp or authorize another resident to sign on their behalf, we’re getting more Maine voices involved in solving the issues our state faces. I look forward to you all having the opportunity to weigh in on this matter on Nov. 5.

AARP SCAM ALERT – ID Theft: What to do next

We take a lot of precautions to protect our personal information, but we’re not the only people responsible for our data. So many different entities have our personal information it’s hard to keep track of. Our banks, health providers, email TV and Internet provider, retailers and more all have our data and many of them have been hacked. The reality is that most Americans have already had their identity compromised. So what can we do to protect ourselves after the fact?

Here are three steps to protecting yourself after your personal information has been stolen.

1) Sign up for credit monitoring that will alert you if someone tried to open an account in your name.
2) Place a free security freeze on your credit to help stop identity thieves from opening new accounts in your name.
3) Establish online access to all of your bank accounts, credit cards and retirement accounts and check them frequently.

Be a fraud fighter!  If you can spot a scam, you can stop a scam.

Visit the AARP Fraud Watch Network at www.aarp.org/fraudwatchnetwork  or call the AARP Fraud Watch Network Helpline at 1-877-908-3360 to report a scam or get help if you’ve fallen victim.

SCORES & OUTDOORS: Squirrels in the compost pile

Noisy, plentiful acorns; obscure beech nuts

Roland D. Halleeby Roland D. Hallee

While preparing breakfast last Saturday, I glanced out the kitchen window towards my recently cleaned up garden plot. As I looked around I noticed some movement, and commented to my wife: “I think I have a title for a new country song, ‘There’s a squirrel in the compost pile.’”

I’m not sure how that translates to pickup trucks, bass boats and lost loves, but I’m sure it has a place in there somewhere.

Anyway, that prompted me to ask myself what could be in the compost that would interest a squirrel. After all, it has nothing more than plant stems, vines from squashes and various roots and stalks. There were a few tiny, fledgling fruits from these items that didn’t have a chance to mature, but that would be it.

Then my mind rewound to the recently closed down camp, and the food sources out there. Nearby there is a large oak tree and a mature, but fairly young beech tree. Most of you have probably heard acorns when they fall from the trees, and land on something substantive. They sound like gunfire, exploding bombs or branches falling. They make quite a loud noise. The presence of Beech nuts, on the other hand, are hardly even noticeable.

Wildlife that consume acorns as an important part of their diets includes birds, such as jays, pigeons, some ducks and several species of woodpeckers. Small mammals include mice, squirrels and several other rodents – ahh, squirrels. Large mammals include pigs, bears, and deer. Acorns are in high demand.

Acorns are attractive to animals because they are large and efficiently consumed or cached. They are rich in nutrients and contain large amounts of protein, carbohydrates and fats, as well as calcium, phosphorus and potassium, and the vitamin niacin.

Acorns are too heavy for wind dispersal, so the spreading of the seed is dependent on animals like the squirrels who cache the nuts for future use. Squirrels scatter-hoard the acorns in a variety of locations in which it is possible for them to germinate and thrive. On occasion, the odd acorn may be lost, or the squirrel may die before consuming all the acorns it has stored. A small number of acorns may germinate and survive, producing the next generation of oak trees.

As far as humans go, acorns have frequently been used as a coffee substitute. The Confederates in the American Civil War and the Germans during World War II, which were cut off from coffee supplies by Union and Allied blockades, respectively, are particularly notable past instances of this use of acorns.

As far as the beech nuts go, again going back to camp and the beech tree near our site, there doesn’t seem to be much activity by squirrels in the area of the tree. Of course, the beech nut seems to defy gravity. It is a small nut with soft-spined husks. Although it is high in tannin content, they are bitter. The nut can be extracted by peeling back the husk, but your fingers may hurt dealing with the spines. Maybe that is why they are not that attractive to squirrels.

Nowhere in all my research did I find any reference to wildlife that feast on the beech nut.

Beech trees are better known for other things than producing a source of food. The Beech bark is extremely thin and scars easily. Carvings, such as lovers’ initials, remain because the beech tree is unable to heal itself.

On a different note, slats of Beech wood are washed in a caustic soda to leach out any flavor and is used in the bottom of fermentation tanks for Budweiser beer. This allows a surface for the yeast to settle, so that it doesn’t pile up too deep. Beech is also used to smoke Westphalian ham, various sausages and some cheeses.

The American beech tree occurs only in the eastern United States and southeastern Canada. It is believed that it was found coast to coast prior to the Ice Age. Now they can only be found east of the Great Plains. You will rarely find the beech tree in developed areas unless it is a left over of a forest that was cut for land development.

The beech tree is also temperamental. Some trees never produce nuts while others only spawn edible nuts in certain years.

So what was that squirrel – I could not discern whether it was Martha or Stewart, my two resident rodents – looking for that day? Probably just window shopping.

Roland’s trivia question of the week:

With the World Series going past October in recent years, who was the first MLB player to hit a home run in November?

Answer can be found here.

FOR YOUR HEALTH: Debunking Common Medicare Part D Myths

(NAPSI)—It’s important to evaluate your Medicare Prescription Drug Plan every year. Your plan benefits can change, including your prescription drug coverage, premiums, deductibles and pharmacy benefits. As you do your research, you may run into a few misconceptions. Walgreens vice president of specialty and retail pharmacy operations Rina Shah debunks five common myths about Medicare Part D.

Myth 1: Your Medicare prescriptions cost the same at all pharmacies.

Fact: You often pay less on copays when you fill a Medicare Part D-covered prescription at a preferred pharmacy in your plan’s network. These savings can quickly add up.

Myth 2: Medicare Part D and Medicare Advantage plans can require you to fill prescriptions by mail.

Fact: Medicare prevents plans from requiring patients to use a mail-order pharmacy exclusively.

Myth 3: Once you pick a plan, you don’t need to review it each year.

Fact: Changes in the prescriptions you take, plan design and coverage may cause your existing plan to no longer be right for you. Your insurance provider sends a letter that describes any changes to your plan. It is important to review these changes as they could impact your total cost.

Myth 4: It’s a good idea to pick a plan that a friend recommends.

Fact: While your friends may have good recommendations, their prescriptions and doctors are likely different from yours. Because copays for drugs are an important part of the overall Medicare costs, what works for your friend may not be the right choice for you.

Myth 5: Changing your plan means you must change your pharmacy.

Fact: Getting a new plan doesn’t always result in having to use a new pharmacy. When evaluating your plan options, always consider your preferred pharmacy as an important part of your evaluation.

When you start to research coverage, make sure your pharmacy of choice is in your plan’s preferred network. Walgreens is a preferred network pharmacy with many plans nationwide, which means you can save money on your copays.

For more information on tools to make prescription management easier, visit Walgreens.com/Medicare.