FINANCIAL MATTER$ – IRA withdrawals: how much is too much?

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

People are living longer and, thus, living longer in retirement. This is both the good news and the bad news. Sure, living longer is a great thing, but in the world of financial planning, it is causing concerns for a number of retirees. One of the questions we are consistently asked is “will I have enough?” It’s a great question! Once you consider how many people are living into their late eighties or early nineties, the volatility of the markets, and how investment risk is now in the lap of the investor more so than ever (due to fewer pensions), it is understandable why so many people are wondering if they will outlive their money.

So what is the right amount to take? There are many things to consider and there is no simple answer. If you have an advisor, I suggest you review the following talking points on an annual basis to help derive the best answer for you:

Time Horizon: How many years do you plan to receive an income from your investments? Things such as health and the timing of the income payments should be considered and discussed annually.

Investment Objective: Are you focused on the growth of the account or more so on income? Maybe you are focused on a combination of the two. Maybe you are focused on something completely different. Clarifying the answer to this question will help determine the allocation of your portfolio and help answer some questions that pop up when discussing the following talking points.

Risk Tolerance: Conservative, Moderate, Balanced, Growth, and Aggressive. Which of these categories best suits you? What is aggressive to one person might be conservative to another and therefore, makes it important to understand what is truly meant by each of these categories. Have your advisor explain the expectations of each.

Target Rate of Return: Are you looking for slow and steady and higher predictability, or are you shooting for the moon and ready for a ride? Higher rewards often times means increased risks, which can lead to seemingly lower consistency when it comes to income planning.

Legacy Plans: Do you want to spend your last penny on your last day or do you want to leave something to the loved ones or to a charitable organization? Knowing how much you want to leave behind is a major factor when determining how much to spend while alive.

Consider discussing these topics and others with your advisor. Any of them is a good place to start the conversation. If we can be of any assistance to you in anyway with the above, or any concerns you may have with your retirement planning, please reach out for a free retirement planning consultation. As always, I hope this helps you and your family to make better financial decisions. See you next month.

Trivia Question: How many days does a person have to complete an indirect rollover of an IRA? A. 180 days B. 90 Days C. 60 days, or D. 30 days

Answer can be found here.

Jac M. Arbour, CFP®, ChFC®, is president of J.M. Arbour Wealth Management, 77 Water Street, Hallowell, ME 04347; phone: 207-248-6767 | cell: 207-431-3376 | fax: 207-620-7264; www.jmarbour.com; www.facebook.com/jmawealth.

FOR YOUR HEALTH: Flu-Fighting Facts

(NAPS)—The flu is nothing to sneeze at. According to the Centers for Disease Control and Prevention (CDC), influenza has resulted in between 9.2 million and 35.6 million illnesses annually since 2010. The best way to stay out of such statistics, the CDC says, is for everyone who is eligible and at least 6 months old to get a flu shot as soon as the vaccine becomes available.

To help, all CVS Pharmacy and MinuteClinic locations have the vaccine available seven days a week with no appointment needed.

Study Shows

That may be just as well, since the annual survey, conducted online by Harris Poll on behalf of CVS Pharmacy [1], found that two-thirds of those surveyed get a flu vaccine every year or plan to get one this year, a 5 percent increase from last year.

One reason so many are flocking to get the shot is the knowledge of last year’s flu season—which according to the CDC had flu levels that were the highest observed since 2009. Twenty-two percent of those surveyed[2] say that knowledge of last year’s severe flu season makes them more likely to get a flu shot this year. On a similar note, among the 27 percent of parents of children under 18 whose child did not get the flu vaccine last year, 26 percent say they are more likely to get their child vaccinated this year after learning about the notably high flu levels during last year’s flu season.

The percentage who get vaccinated at a pharmacy stayed at 22 percent, but the percentage of employed adults who get vaccinated at their workplace fell from 22 percent to 15 percent while those who got vaccinated by a health care professional rose from 44 percent to 48 percent.

The survey also found that doctors’ opinions (39 percent), where insurance is accepted (38 percent), and convenience (33 percent) rank among the top three factors in determining where to go for the shot. The flu vaccine is a preventive service under the Affordable Care Act, so it’s fully covered and available at no cost through most insurance plans, including Medicare Part B.

Nurse’s Advice

“Surprising to many, it can actually take up to two weeks for the flu vaccine to build immunity,” explained Angela Patterson, Chief Nurse Practitioner Officer at MinuteClinic. “Because of this, CVS Pharmacy recommends patients get their flu shot as soon as the vaccine becomes available to ensure patients are the most protected before flu season peaks. Furthermore, influenza strains tend to change each year, so it’s very important to get vaccinated annually to make sure you are protected.”

What Else You Can Do

Here are four suggestions:

1. Stay home if you’re sick. The survey found that two out of three respondents would still go to work if they had flu-like symptoms.

In fact, flulike symptoms haven’t stopped some people from going out in public in general:

  • 28 percent have gone to the supermarket
  • 12 percent have picked up a child from school or day care
  • 10 percent have taken public transportation.

2. Wash your hands often with soap and water. If soap and water are not available, use an alcohol-based cleansing gel.
3. Avoid touching your eyes, nose and mouth. Germs spread this way.
4. Clean and disinfect surfaces and objects that may be contaminated with germs.

Learn More

Consumers can visit www.CVS.com and www.MinuteClinic.com for further information and to find a nearby pharmacy or clinic. Customers get a $5 off $25 coupon when they get the shot at CVS Pharmacy or MinuteClinic.

[1] Survey was conducted in the United States by The Harris Poll on July 12-16, 2018, among 2,020 adults ages 18 and older.
[2] U.S. adults surveyed who did not get a flu shot last year.

SCORES & OUTDOORS: Moose hunting season is underway; what is the status of the herd

Roland D. Halleeby Roland D. Hallee

The Maine moose hunting season is underway. It has not always been that way.

The moose hunting season was reintroduced in 1980 on an experimental basis, when 700 permits were issued to residents. At that time, the Maine Department of Inland Fisheries & Wildlife estimated the moose population to be in the vicinity of 20,000 – 25,000 animals.

A campaign was begun in 1983 by a group of moose lovers to place the moose hunting question on a referendum ballot. The initiative failed. The legislature subsequently gave the DIF&W the authority to establish the number of moose permits handed out each year, while maintaining control of the moose lottery.

In 2002, for the first time in 21 years, state wildlife biologists recommended reducing the number of permits, for fear that the moose population may have been on the decline. There had been a high level of calf mortality with the culprit possibly being the tiny blood-sucking ticks that have become so numerous in recent years. Ticks killed more than half of the moose calves in northern New Hampshire during a peak year. It was feared the same was happening in Maine.

After expanding for most of the 20th century, the moose population of North America has been in steep decline since the 1990s. One solution to this problem is for the legislature to allot more funds so more research can be done regarding the density of the moose population. Something they have failed to do.

This year, Maine issued 2,500 moose hunting permits.

In northeastern North America, the moose’s history is very well documented: moose meat was often a staple in the diet of Native Americans going back centuries, with a tribe that occupied present day coastal Rhode Island giving the animal its name. The Native Americans often used moose hides for leather and its meat as an ingredient in a type of dried jerky used as a source of sustenance in winter or on long journeys. Eastern tribes also valued moose leather as a source for moccasins and other items.

The moose vanished in much of the eastern U.S. for as long as 150 years, due to colonial era over-hunting and destruction of habitat.

European rock drawings and cave paintings reveal that moose have been hunted since the Stone Age.

Moose are not usually aggressive towards humans, but can be provoked or frightened to behave with aggression. In terms of raw numbers, they attack more people than bears and wolves combined, but usually with only minor consequences.

When harassed or startled by people or in the presence of a dog, moose may charge. Also, as with bears or any wild animal, moose that have become used to being fed by people, may act aggressively when food is denied.

A bull moose, disturbed by the photographer, lowers its head and raises its hackles. Like any wild animal, moose are unpredictable. They are most likely to attack if annoyed or harassed, or if approached too closely. A moose that has been harassed may vent its anger on anyone in the vicinity, and they often do not make distinctions between their tormentors and innocent passers-by.

Moose also tend to venture out onto highways at night. In northern Maine, especially, moose-vehicle collisions are common. The problem with that is the center of mass of a moose is above the hood of most passenger cars. In a collision, the impact crushed the front roof beams and individuals in the front seats. Collisions of this type are frequently fatal; seat belts and airbags offer little protection. In collisions with higher vehicles, such as trucks, most of the deformation is to the front of the vehicle and the passenger compartment is largely spared.

Moose lack upper front teeth, but have eight sharp incisors on the lower jaw. They also have a tough tongue, lips and gums, which aid in eating woody vegetation. A moose’s upper lip is very sensitive, to help distinguish between fresh shoots and harder twigs. A moose’s diet often depends on its location, but they seem to prefer the new growths from deciduous trees with a high sugar content, such as white birch.

Moose also eat aquatic plants, including lilies and pondweed. (We could sure use a few of them on Webber Pond). Moose are excellent swimmers and are known to wade into water to eat aquatic plants. This trait serves a second purpose in cooling down the moose on summer days and ridding itself of black flies. Moose are thus attracted to marshes and river banks during warmer months as both provide suitable vegetation to eat and as a way to wet themselves down. Moose avoid areas with little or no snow as this increases the risk of predation by wolves and avoid areas with deep snow, as this impairs mobility.

So, moose are a vital commodity to Maine, and we must do what is necessary to preserve them, and continue to harvest them responsibly.

Can anyone answer this question? If you have a legal moose hunting permit, you are on your way to the hunt, and you collide with a moose and kill it – and you survive – does that count as your moose, or can you continue to the hunting zone and claim a second moose?

Roland’s trivia question of the week:

When was the last time the New England Patriots lost three games in a row?

Answer can be found here.

I’M JUST CURIOUS: The meaning of “Unity”

by Debbie Walker

One of the definitions for the word Unity is ‘harmony.’ If the town fathers named the town of Unity for its harmony I’ll bet they never pictured this past weekend. The Common Ground Country Fair is the ultimate of proof of unity (harmony) in their little town.

Once a year, the third weekend of September, MOFGA sponsors the Common Ground Country Fair, in Unity. MOFGA is the Maine Organic Farmers and Gardener’s Association (Website is www.mofga.org/the-fair/schedule). If you weren’t able to attend and are curious that website is full of information.

It seems a lot of people look forward to the experience of the fair. In fact last year it is said that 60,000 people from all over the country were on those grounds. If you look up their website your questions as to ‘why’ will be answered. The content is amazing.

There is education of value to many different ages and interests. There are demonstrations to peak a curiosity into a possible serious interest. There are many activities for children of all ages. There are foods you may never have experienced before. There are also entertainers.

Unity is a small town surrounded by small towns. Sixty thousand people affect each one of these towns. It looks to me like this fair may be a little inconvenient, three days a year, for residents due to traffic, however it is great for the merchants of Unity. The surrounding town’s merchants must also enjoy the extra business brought their way with them doing little to no marketing for such. Today I saw something else.

On a day I was out riding without my yard sale/thrift store shopping buddies (and I was on my way to a meeting) I couldn’t believe all the yard sales set up in private yards and parking lots! Just think, all that traffic and they didn’t have to advertise. If I think of it next year I will try to remind everyone of the fun to be had at the Common Ground Country Fair or in surrounding towns!

I’m just curious about one activity. Who would and why would anyone want to be part of the Harry S Truman Manure Pitch contest? (It was listed on their site!)

In the spirit of the weekend I am adding these little jokes I found in Blum’s Farmer’s and Planter’s Almanac:

Gardening is cheaper than therapy……………and you get tomatoes.
A weed is a plant that has mastered every survival skill except for learning how to grow in rows.
How well is your garden going to grow? ………. Only thyme will tell.
Why did the gardener quit? ………… His celery wasn’t high enough.
Why didn’t anyone laugh at the gardener’s jokes? …………..They were too corny.
What’s the gardener’s favorite sport? …………..Squash
Why was the gardener so busy over the weekend? …….. He had a really long Honeydew list.
Garden Wisdom: ……. The best way to garden is to put on a wide brimmed straw hat and some old clothes. And with a hoe in one hand and a cold drink in the other, tell somebody else where to dig.

OK, OK, now I am just curious if I will be allowed to write again! Thanks for reading, don’t forget about our website and please send me any questions or comments to dwdaffy@yahoo.com.

REVIEW POTPOURRI: Yellow Rolls Royce/Umbrellas of Cherbourg Excerpts

Peter Catesby Peter Cates

Yellow Rolls Royce/Umbrellas of Cherbourg Excerpts

Cinema Sound Stage Orchestra, Somerset records, LP, 1965.

Rare photo of D. L. Miller

The 1964 films, Yellow Rolls Royce/Umbrellas of Cherbourg generated original musical sound tracks. The above release had no connection with the originals. The Cinema players were hired by D.L.Miller, a fascinating businessman worthy of a biography while the group consisted of Hamburg Philharmonic musicians.

The Ray Charles Singers

Miller created Somerset because of the huge demand and success of of other labels’ low priced LPs. He then scouted for talent among a variety of superb musicians – conductors Sir Adrian Boult, Horst Stein, Hugo Rignold, singing group the Ray Charles Singers etc. His arguably most well known 101 Strings, recorded a pile of albums that sold millions and are still popular.

Riz Ortolani

Film composers Riz Ortolani (1926-2014, Yellow Rolls Royce) and Michel Legrand (1932, Umbrellas) have left sizable legacies. Their music on this record is imbued with charm and carefree gaiety. Interestingly, Ortolani plagiarized a passage from Alexander Borodin’s Polovtsian Dances for one of the Yellow RR tunes. While I generally like Le­grand’s music better for its consistently beautiful qualities, I was eager to hear Ortolani’s excerpts because of my previous lack of any familiarity with him. What I heard was okay but with a few bland moments.

Michel Legrand

All in all though, the record can be heartily recommended to film music connoisseurs and any other interested collectors.

It has been out of print for many years yet copies are listed for sale on Amazon.

 

 

 

 

SOLON & BEYOND: News from the Solon Elementary School

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

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

My thanks go out to the Solon Elementary School person who sent me the Solon School Newspaper to share with you. Welcome To New Staff: We want to welcome two new social workers to our school. Beth Higgins has worked in RSU #74 for a number of years. This year she will work at Solon, Garret Schenck, and Carrabec High School. Lacey Frost is a new social worker who will work at all four district schools. She previously worked as a social worker at MaineGeneral Medical Center.

Another new staff member at our school is Elaine Jillson, who joins our Special Education Department as an educational technician. Mrs. Jillson worked at Carrabec Community School before coming to Solon.

We also welcome Heidi Day, our new physical education teacher. Mrs. Day has taught P.E. for eleven years at Noble High School in Berwick. She is a Carrabec graduate who got her degree at UMF.

Natalie Costello will work as a math interventionist for the first 12 weeks of the school year through a STEAM Grant that RSU #74 wrote in collaboration with RSU #13 and RSU #59. Ms. Costello will work with students in grades 4-6 to help boost their math skills. She will work in Bingham for the second 12 weeks of the year and in Madison for the last 12 weeks.

At Solon Elementary School, we welcome back Ms. Annie Griffith as our preschool assistant teacher. Miss Annie worked with us two years ago and took last year off to spend with her new baby. We are glad to have her back this year.

Open House will be held at Solon Elementary School on Wednesday, September 26, from 6 – 7 p.m. Enjoy refreshments, visit the classrooms, and shop at the PTO Book Fair.

Solon Elementary School has a very active PTO, which has provided lots of special activities and items for our students over the years. Please consider joining the PTO. For information, contact PTO President Alicia Golden or the school.

The PTO generally meets on the second Thursday of each month, at 6 p.m.

Remember to send in your box tops for education labels! Every box top helps the PTO raise money for school activities.

The PTO is looking for new parents to join them. They look forward to new members from our new families.

Have been very upset about the proposed CMP Corridor lately, and looked up some old clippings I had saved. One of them isn’t too old, it was from the Maine Sunday Telegram, September 24, 2000, and the headline is; Flagstaff: Maine’s most unusual lake. Paved roads, burned trees and other remains of two towns lie beneath the man-made lake’s shallow waters. It was written by Michelle Pavitt, and I am going to print some of her observations. She says she was surprised “to learn that Flagstaff Lake is a man made water body. But I would never have guessed that the lake was the watery grave of two former towns. CMP bought Flagstaff residents’ property, buildings were either moved or simply razed. Before flooding the 18,000-acre flowage area, woods crews clear cut the region, then set unauthorized fires to finish clearing the timber. The land remained in that barren state through the winter of 1950. By spring thaw, the towns were submerged under 12 feet of water.”

Must stop there for now in order to get Percy’s memoir in this weeks’ column. I know how much many of you like his words of wisdom! The hottest places in hell are reserved for those who, in a period of moral crisis, maintain their neutrality. by Dante Alighieri (ca. 1300).

MESSING ABOUT IN THE MAINE WOODS: Cooking on the trail with a makeshift stove

by Ron Maxwell

Eating and drinking outside are some of my favorite parts of being in the woods. I love a fire but in many places one cannot have an open fire. Without a fire, the easiest way to make water safe, to heat coffee or cocoa or to make food in the woods is to use a small camping/hiking stove. These stoves can be expensive – my favorite cost me $80 – but well made stoves can be created at home from common items and are as efficient as commercial stoves. Read on to learn how to build a stove to heat food, from the can the food was purchased in.

Last school break I commandeered the kitchen table and retested all the various stoves I have made. “Past me” thought them all clever at the time, but “present me” is finding the sheer numbers a trifle excessive. Most are made from food/drink cans, because “past me” did not want to buy an expensive store-bought model. All can be put into one of three basic categories: solid fuel burning, liquid fuel burning and wood burning.

Solid fuel burning stoves burn fuel tablets. I saw some in town in the camping aisle, and a quick internet search yielded many results, like Coghlan’s Solid Fuel Tablets (72 pack for $15.) I have some fuel tablets in a small baggie in the bottom of my pack because they are light to carry and could be put in the bottom of any empty can to be burned. I never got into the habit of using them as a primary source of heat because I was more interested in making stoves that burned liquid fuel. I carry them now for that time when the liquid fuel runs out on trail or to start a fire in extreme weather.

An example of a homemade stove, from Pinterest.

Liquid fuel stoves are an easy build and there are plans everywhere online. (The one pictured came from the Pinterest website.) They are also just plain fun to make and use. You have many options to fuel such a stove, from Everclear (an alcohol of 151 to 190 proof) to Naptha (the off-brand version of the fuel used in zippo lighters). For my stoves I use HEET, the gas line antifreeze that draws water out of your car’s fuel system. It can be bought at most gas stations, burns cleanly and is inexpensive.

It is easy to make a simple stove of your own. Remove the top of an empty aluminum drink can and use a hole punch to make holes at even intervals around the top third of the can. Fill the bottom third with liquid fuel. After setting the fuel alight, wait a couple minutes to give the stove a chance to heat up. Put your kettle on the can, making sure to cover the top of the can with the bottom of your kettle. The heat in the stove will turn the liquid fuel to gas which ignites and exits the holes just like the flame of a gas stove. If you put the kettle on your stove and it goes out, it was not warm enough and you need to let it burn longer before putting the kettle on next time. Be sure to shield the stove from the wind, and it will work great.

I have since moved from using any old can because those designs had no way to extinguish the stove other than allowing it to run out of fuel. The missing piece was a cover that would cut off the oxygen of the burner. What was needed was two cans, one slightly smaller than the other so that I could use the larger to cover the smaller. So I went to Hannaford and grabbed cans, going from aisle to aisle comparing sizes. I found that a Vienna Sausage can fits inside a small tomato sauce can nicely which makes the Vienna Sausage can the burner and the sauce can the cover that extinguishes the stove.

When possible, a small fire is my favorite pastime in the woods, and my cooking method of choice. However, careless use of fire and a need to protect our common land has changed the public opinion of open fires. The result is that sometimes you cannot have a fire. Those times are why I always carry what is called a wood gas stove.

A wood gas stove has a center that is very efficient with fuel so its only fuel is twigs and sticks. It burns in a way that forces the fire’s smoke to be recirculated in the stove, meaning the stove burns without smoke once it comes to operational temperature. Since it is a stove, it can be used where an open fire is illegal. And since it burns small sticks one does not need to carry large amounts of firewood or worse yet, harvest large amounts of any wood. I pick up pencil sized sticks along the way and those, plus an occasional small branch, are enough fuel to run the unit. My stove is a Toaks titanium 750 ml pot and wood stove combo set which I bought because pot and stove nestle together, taking up small space in pack.

You do not have to buy such a stove, because a simple wood gas stove can be made with two cans, one smaller than the other. The smaller is the burn chamber: punch holes in the bottom of the can and a ring of holes around its top rim. The larger can only needs its top removed, a ring of holes punched around its top rim and a hole the size of the smaller can cut in its bottom. Put the larger can upside down on the table, and put the smaller can, bottom first, in the hole in the larger can’s bottom. Fill the small can with twigs and set it alight. After a minute of burning you should see the smoke no longer leaving the stove, but rather being pulled back in to be burnt again. If that last paragraph was too much, you can get a great tutorial on YouTube in a minute of searching.

All three types of stove mentioned above are easy to use, to make and to fuel. The first time you fire up one of your stoves, it needs to be done in the open air. Burning reused cans releases a noxious gas the first time burned. After the first burn the can is safe and you can enjoy the use of your homemade stove. Making and using a stove you have made will satisfy that need to be self sufficient and have a cost effective way to replace broken equipment in the field. And being self sufficient while saving money and looking clever is a great way of messing about in the Maine woods.

INside the OUTside: Sugarloaf, Sunday River making plans for early snow season

It won’t be long before the snow guns come alive and cover the slopes of Sugarloaf, Sunday River and other ski trails in Maine. (File photo by Dan Cassidy)

by Dan Cassidy

It’s been quite a warm summer overall and I was just reading a couple articles from our local ski areas in western Maine. Now I’m sure you remember how really hot and humid it has been over the past couple of months … but you may have forgotten the winter we endured last season. Let me remind you … it wasn’t only “cold” … it was downright freezing, along with more snow than we’ve had over the past couple years … beginning in early December, right into mid-May! Kind of forgot that didn’t you!

Well, as mentioned, a couple of the reports from our ski resorts are calling for an early beginning, hopefully the making of another great season!

While Sugarloaf and Sunday River had a great summer of golfing, fat biking, hiking Appalachian trails or visiting the Maine Huts and Trails, canoeing and riding some of the zip line runs, vacation days are coming to an end. I recently heard that the two Maine resorts are aiming to begin snowmaking in less than 100 days, give or take!? WoW!

Sunday River is one of Maine’s largest and most visited ski slopes in the east. The mountain is spread across 870 accessible acres that spreads across eight interconnected trails. We’ll keep you posted on new equipment, trails and events as snow season gets closer.

Maine Ski Hall of Fame Induction ceremony scheduled

The Maine Ski Hall of Fame is planning their 16th annual induction dinner Saturday, October 27th at the Grand Summit Hotel at Sunday River Resort beginning at 4:30 p.m.

The induction ceremony includes seven members to the Class of 2018. They are Karen Colburn, Leon Akers, Anne Dowling, Norman Libby, David Stonebraker, Kristina Sabasteanski and Warren Cook.

Reservations can be made by contacting Ski Maine Association at (207) 699-3121, or visit www.skimaine.com/hof. Dinner tickets are $65.00 per person. Special lodging rates are also available.

Get ready and get going!

For now, there are several things you can do to be ready for opening day. First, get moving and get into shape, get your skis out of storage, get them tuned and waxed, get those boots out and clean them up.

Some weather reports are indicating that we’re due for an early start to the winter, with ample snow before the Christmas holidays. It’s closer than you think!

Give Us Your Best Shot! Week of September 27, 2018

To submit a photo for The Town Line’s “Give Us Your Best Shot!” section, please visit our contact page or email us at townline@fairpoint.net!

EAGLE PAIR: Tina Richard, of Clinton, captured these eagles from her favorite trail in Winslow.

SPECTACULAR SUNSET: Michelle Flewelling, of Clinton, snapped this spectacular sunset over Webber Pond, in Vassalboro, on September 8.

ERIC’S TECH TALK – Kids and social media: What to know

by Eric W. Austin

Probably the most invasive aspect of the technological revolution in the last two decades is the ubiquity of social media in our daily lives. From entire articles in the New York Times devoted to the 280 characters tweeted by the president during his morning absolution, to the fact that Facebook is the most popular source of news for millions of Americans, it’s impossible to escape the influence of social media.

Children born after the new millennium have grown up with a daily digest of this bite-sized brain spill. How is it affecting them, and how has their use of it changed over time?

A new study released this year tries to answer some of those questions. This survey of teen social media use was sponsored by Common Sense Media, a nonprofit which describes itself as “the leading independent nonprofit organization dedicated to helping kids thrive in a world of media and technology.”

The survey of 1,141 adolescents between the ages of 13 and 17 is a follow-up to an earlier study the organization did of 1,000 teens back in 2012. Each survey was conducted on a separate and random cross-section of teens of different ethnicities, socio-economic backgrounds and geographic locations, proportional to their representation in the U.S. population.

Common Sense Media aims to “empower parents, teachers, and policymakers by providing unbiased information, trusted advice, and innovative tools to help them harness the power of media and technology as a positive force in all kids’ lives.”

Their website is very well organized, and I highly recommend it to parents and teachers trying to navigate the increasingly complex web of social media services available online.

According to the new study, although the number of teens who use social media, about 81 percent, hasn’t changed from the survey done six years ago, other factors, such as frequency of use, have changed significantly.

courtesy of the Carlson Law Firm

In 2012, only 34 percent of teens surveyed said they use social media more than once daily. Today that number has more than doubled, with 70 percent now saying they access social media multiple times per day. In fact, 34 percent of teens report using social media several times an hour, and 16 percent admitted to using it “almost constantly.”

Some of this increase, according to the researchers, may have to do with a substantial increase in teens’ access to mobile devices. Teens with smartphones has more than doubled in the last six years, from 41 to 89 percent and – if you include those who access social media from a non-phone device, such as an iPad or Android tablet – that number rises to 93 percent.

Facebook as the dominant social media site has also declined dramatically in the six years since the last survey was taken. In 2012, 68 percent of teens listed Facebook as their primary social media site. In the latest study from 2018, that number has dropped to only 15 percent, with Snapchat rising to the top with 41 percent, and Instagram at 22 percent.

One 16-year old respondent, when asked who she still talks to on Facebook, responded, “My grandparents.”

Along with organizing teen respondents according to household income, ethnicity, age and gender, the survey administrators also rated each teen on something called a social-emotional well-being (SEWB) scale. This “11-item scale measures attributes related to SEWB in adolescents as identified by the National Institute for Clinical Excellence (such as happiness, depression, loneliness, confidence, self-esteem, and parental relations).”

Teens were presented with a series of statements regarding these topics, and asked whether they thought the statements were “a lot,” “somewhat,” “not too much,” or “not at all” like them. Then, each teen was assigned to one of three groups depending on their responses: the high end of the scale (19 percent of respondents), the medium group (63 percent), or the low end of the SEWB scale (17 percent).

There were significant differences between groups organized on this SEWB scale. For example, nearly half of those surveyed on the low end of this scale, 46 percent, said social media is “extremely” or “very” important to their lives, compared to just 32 percent of those rated at the high end of the scale.

While an overwhelming majority of teens surveyed indicate social media has had a positive impact on how they feel about themselves, those on the lower end of the SEWB scale were more likely to report a negative experience. For instance, nearly 70 percent of those on the low end report feeling left out or excluded on social media, compared with just 29 percent at the high end. In addition, 43 percent on the low end reported an experience of cyberbullying online, while only 5 percent in the upper group related similar experiences.

By a high majority, however, even those on the lower end of the SEWB scale report that social media has had a greater positive effect than a negative one on their lives. In fact, according to the survey, those at the lower end are actually more likely to say social media has a generally positive effect on them.

There have been some other important changes over the last six years as well. Whereas in 2012 “face-to-face” was still the preferred method of interacting with their peers, the most recent study has seen the number of teens preferring face-to-face contact drop from 49 percent to 32 percent. Texting is now the most popular method of communicating, with 35 percent of teens listing it as their number one way to connect with friends.

And teens seem ahead of the curve when looking at the dangers of social media addiction. Fifty-four percent of respondents concede that social media “often distracts me when I should be paying attention to the people I’m with,” up from 44 percent in 2012. As well, nearly half (44 percent) admit to being frustrated with friends for using their devices when they are hanging out together.

It should also be noted that 33 percent of teens expressed a desire that their parents spend less time on their own devices, a 12-point increase from 2012.

And with all the controversy about the power big tech companies have to sway public opinion, kids have already figured this out, with 72 percent of teens thinking tech companies manipulate users to get them to spend more time on their platforms.

Teens also expressed a mixed record on self-regulation when it comes to putting down their devices at important times, with 56 percent saying they do so: for meals (42 percent), visiting with family (31 percent), or doing homework (31 percent).

The teens surveyed were also asked about cyberbullying. 13 percent admitted to having “ever” experienced bullying online. Nine percent said they had been bullied online “many” or “a few times”, with the rest saying “once or twice”. Twenty-three percent of teens surveyed claim to have tried to help a classmate who was cyberbullied, either by talking to the individual, reporting the situation to an adult, or posting positive comments online to counter negative content.

According to the study, the most important aspect of social media for teens is the ability it gives them to express themselves creatively. More than one in four, 27 percent, of respondents said social media was an “extremely” or “very” important avenue for creative self-expression.

In an open-ended comment section on the survey, one 17-year old girl wrote that “[s]ocial media allows me to have a creative outlet to express myself,” while a 14-year old African-American girl said, “I get to share things I make.”

Several conclusions were highlighted by the researchers in their report. Overall, teens seem to find social media a generally positive addition to their lives, and there doesn’t seem to be any clear link between increases in depression rates and social media use.

Also, teens seem extremely savvy when it comes to the addictive nature of social media, and the attempts by tech companies to rope them into using it, more so perhaps than their parents. However, as with drug use, those on the lower end of the social-emotional well-being scale are more vulnerable to its negative effects.

Social media, whether it’s Facebook, Twitter, Snapchat, or something else that has yet to come along, is here to stay, a permanent remodeling of our social context, like television in the 1960s or radio before that. It has its negative and positive effects, like everything else, and it’s up to parents to guide their kids in using it wisely, and developing healthy habits that will carry them into adulthood.

Eric W. Austin writes about technology and community issues. He can be reached by email at ericwaustin@gmail.com.