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VITAL INFORMATION FOR A VITAL LIFE ®
Pantano Real Estate
Your Community
Resource
CBD Oil: The Stretch IRA is Dead. The 10 Commandments
A Primer Your Plan B of Caregiving
Page 5 Page 6 Page 12
MARCH 2020
E D I TO R S’ L E T T E R
D E LAWAR E • MAR CH 2020
VITAL INFORMATION
FOR A VITAL LIFE®
S
pring is finally here! Even though we really haven’t had very
much of a winter (I think my spring bulbs started popping up in
January), I’m still always so hopeful about the new beginnings the EDITOR IN CHIEF
season brings. That’s why we thought what better way to continue our Karyn Cortez
Vital Life series on growth and new knowledge than by helping you karync@vitalmagonline.com
to train yourself to look at the people, places and things around you
in a brand new light…through photography. Sometimes it seems that C R E AT I V E
people today are so enthralled with taking selfies and documenting every little thing they ART DIRECTOR
do that they’re missing out on really “seeing” the exquisite beauty of the world around us. Heidi Atwell
Check out the resources on page 3 for inspiration for your creativity, go grab a camera (or
your phone) and see what you can see!
C O V E R S T O RY
PHOTOGRAPHY
This month we’re introducing you to Erik Bashford and Holly Henderson-Smith of Pan- Nikki Shaw
tano Real Estate. They’re Delaware’s Certified Senior Real Estate Specialists and your
go-to people if you have any questions whatsoever about buying or selling a home in Dela-
ware. They’re dedicated to helping the community and have the connections to help you Vital! Magazine is
every step of the way! Learn more about them on pages 8 and 9 (and don’t forget to cut out published monthly by
and keep their Resource Corner!) Vital Media LLC.
Articles are intended for
general information purposes
Know anyone who has their medical marijuana card? Don’t get that confused with CBD. only and should not
Although CBD oil can come from marijuana, it can also come from hemp. You don’t need replace your personal
a medical marijuana card to buy CBD oil derived from hemp. It’s non-psychoactive, so advisor’s advice.
you can’t get high. But you can get relief from nausea, sleeplessness and a host of other ail- Any reproduction in part or
ments. Your primer on CBD is on page 5. in whole of any part of this
publication is prohibited
without express written
And finally, as the poem goes: consent of the publisher.
The spring is sprung, the grass is riz.
Wonder where the boidie is. Vital! Magazine
4556 Simon Road
Wilmington, DE 19803
Grab your camera and go find him! 302-544-0684
www.vitalmagonline.com
Happy March!
Karyn and Heidi
Unsolicited material
in the form of article contributions
and community notifications are
welcomed and are considered
intended for publication. Upon
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Expansion of
History in the Making
Family: Make Train Your Brain: The Best U.S. equal opportunity law.
Getting Fit:
5 Financial Grand Plans The Will Power
Lower Interest
Lifelong Place to G
7 Signs l
Work Out Tasks to Tackle
by Year-End for the Holidays to Exercise
RatesCan Ruin
Retirement Learning: et Better
ring: Sel Without Weights Page 12 Page 3 Skills for 2020
It's Time to
Page 5
Healthy Hea nger Page 12 Poor Postu
Page 7
Page 3
y Lead to Po re Can
19
DECEMBER 20
Float Your Wa The Game Cha
6Page
or Health Test Drive
to Fitness Page 5 Your
JAN UARY 2020
BER 201
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t Lasting Lo
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e7 Lives Onve
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2 MARCH 2020
YO U R V I TA L L I F E
ELEVATE The Art of
Your Lifestyle! Photography
March 20th is the first day of spring!
And what better way to welcome
warm weather than to get outside
and photograph Mother Nature in
all her glory? These days it’s all too
common to hear complaints that
people spend too much time taking
pictures of their experiences instead
of living them. The thing is, the pho-
tographs play an important role in you. Why not aim for a part-time gig
allowing people to hold on to memo- on the side?
ries and give the rest of the world a
7
peek into their lives. Photography brings you clos-
er to your natural spirituality.
Why take up photography? It makes Look around at the wonders
your life better! of nature. You simply can’t help but
understand how very small you are
1
Photography affords immor- while considering how very vast and
tality. Don’t believe it? Look majestic the world really is.
at all the old photographs your
8
mom or grandmother had around. Photography lets you see
Some of us are even lucky enough things that you may never
to have photographs of great-grand- notice otherwise. The play of
At The Summit Senior Living we believe parents. What a difference between
the lively, natural photographs to-
colors, the interactions of people and
things, a fleeting moment that will
that every day should be enhanced with day and the stiff, formal pics from a live forever.
lifestyles that are designed with our
century ago!
9
Photography preserves new
residents and their families in mind. Dine
2
Photography documents your and old memories. Think of
journey through life. From the wife or husband who has
out every day, celebrate with activities your childhood pictures to lost a spouse. Or the child who lost
a parent. With pictures not only can
your child’s pictures to your grand-
and events, and let us make a great child’s pictures. From first smiles to they have no fear of forgetting their
loved one’s face, but can remember
impression with housekeeping and first steps to first dates, your life can
be documented and preserved. exactly what was going on when that
maintenance included. picture was snapped, cementing the
3
Photography is a wonderful memory forever.
All our community is missing is you! stress reliever. I mean, really,
how much can you concen- Get started!
trate on that all-consuming problem There are plenty of websites around
Schedule Your FREE Lunch & Tour! when you turn your focus instead to
the petals of a flower, the wings of
that can help you get started without
having to plunk down big bucks for
a butterfly, the graceful curves of a photography classes. Google “Learn
Summit
majestic mountain, or the dimples of photography” or visit these websites
a smiling baby? and use these search terms within
THE the site:
4
Photography inspires your
imagination. Make connec- 1 Canva.com
tions in your world that oth- Search for “20 effective ways to learn
erwise might be lost. Just imagine photography without going to pho-
how the cracks in the sidewalk sur- tography school.”
rounding a couple’s shadow convey
302.635.9024 how solid their connection is, even
in the midst of this crazy, cracked up
2 Adorama.com
Search for “Learn Photography.”
TheSummitRetirement.com world.
3 Adorama.com
5850 Limestone Road, Hockessin, DE 19707
5
Photography as a career is Search for “10 Best Free Online
INDEPENDENT LIVING | ASSISTED LIVING | MEMORY CARE possible for anyone with a Photography Courses.”
true passion for it. There are
Prices, plans and programs are subject to change or withdrawal without notice. Owned and operated by
Discovery Senior Living. Void where prohibited by law. ©2019, Discovery Senior Living, SUMM-0052 5/19 classes, books, and websites to teach You’re off to a great start! Next stop:
you as much as you want to learn. Photoshop and Lightroom. Have
You have your whole life in front of fun!
w w w. Vit a lM a g O nline. co m 3
TO YO U R H E A LT H
How to Check Yourself for the
Deadliest Kind of Skin Cancer
A
n estimated 1 in 54 Ameri- size, color, or other characteristic. Even though only 15 percent of mel- including the ugly duckling sign in
cans are at risk of develop- anomas are nodular, they account self-skin check guidelines. They call
ing melanoma in their life- Nodular Melanoma for 50 percent of melanoma deaths the new criteria DUC, or “Do U C
time. The aggressive cancer begins If you find an irregularity, see a because they penetrate the skin and Melanoma?” It stands for Different
in melanocytes (cells that make the doctor immediately. Completely reach the lymph nodes faster than from other moles, Uneven in any
pigment melanin). Often the first removing melanomas before they other skin cancers. way (which includes the ABCDEs
sign of melanoma is a change in the grow deeper into the skin is a cure mentioned above), and Changes
shape, color, size, or feel of an exist- for melanoma. DUC over time.
ing mole. In 1998, French dermatologist Jean-
Be aware, though, that not all mel- Jacques Grob proposed a new sys- Be vigilant
Protect yourself. Check yourself. anomas meet the above criteria. tem to identify melanomas that slip The good news is that melanoma is
It’s recommended that you have Nodular melanoma, an invasive, past the ABCDEs. Grob observed preventable. The easiest ways to pro-
a dermatologist do an annual skin aggressive form of skin cancer that that people typically produce moles tect yourself include learning your
check. But nobody knows your body grows quickly, can look like a mole that look similar to each other, so a family’s melanoma history, educat-
better than you do, so it’s also rec- or pimple. Nodular melanomas are lesion that doesn’t conform to the ing yourself about detection meth-
ommended that you periodically harder to diagnose because they body’s usual pattern for moles may ods, and protecting yourself from
check your moles yourself. It’s easy don’t fit the traditional ABCDEs of be pre-cancerous or cancerous, even UV rays. That means staying out of
to remember what to look for when skin-cancer detection. They’re often if it doesn’t bear the classic signs of the sun when its rays are the stron-
doing your self-check if you just re- symmetrical, small in diameter, and skin cancer. Grob called it the “ugly gest (between 10:00 and 2:00), be-
member your ABCDEs. The acro- may be only one color. Many are duckling sign.” ing vigilant about wearing sunscreen
nym stands for asymmetrical shape, blue-black, but five percent are pink (and reapplying every 2 hours or after
border irregularity, color variegation or red so they look like infections or Ashfaq A. Marghoob, director of sweating or swimming) and covering
(multiple or uneven colors), a diam- pimples. They can be dome-shaped, clinical dermatology at the Memo- your skin when outside. Just consider
eter larger than the size of a pencil with varying color, although likely rial Sloan Kettering Skin Cancer it an opportunity to stock up on some
eraser (>6mm), and evolving shape, don’t look like your other moles. Center and his associates suggest brand new SPF 50 clothing!
PI C T U R E YO U R S E L F H E R E
4949 OGLETOWN-STANTON ROAD • NEWARK, DELAWARE
PH: (302) 998-6900 • CHURCHMANVILLAGE.COM
4 MARCH 2020
CBD Oil: a Primer
As more states legalize marijuana regulate biological functions such as
usage, cannabis products have be- appetite, sleep, pain responses, in-
come increasingly common. Canna- flammation and mood.
bidiol, or CBD, is one such product.
CBD is a chemical compound of the What are some benefits of CBD
cannabis plant that offers therapeu- oil?
tic properties without the psychoac- As more research is conducted, new
tive “high” typically associated with benefits and uses of CBD are be-
cannabis use. CBD products come ing discovered all the time. CBD
in many different forms, including has therapeutic properties for all
oral tinctures, gummies, and topical age groups. Common uses by older
creams. adults include treatment for:
CBD use has exploded across the ain management. Because
n P
nation, and the 50+ group is no ex- CBD reduces inflammation, it
ception. According to one study, has been shown to be effective for are some helpful steps to take. First, or light golden, depending on the
cannabis use among adults age 50 chronic pain, including arthritis be sure to research the brand or carrier oil used. These products
and over increased by 250 percent and sciatica. company you’re interested in. CBD have isolated and removed the
between 2006 and 2013. Nearly one products can be bought pretty much cannabidiol and mixed it with a
in five Americans over the age of 50 leep problems. CBD can help
n S everywhere, from online stores, carrier oil. Isolates strip out ben-
has used a CBD product, according insomniacs sleep better; alter- farmer’s markets, dispensaries and eficial cannabinoids and fatty
to a recent Gallup poll. even major retailers like Walmart acids that full-spectrum oils con-
nately, it can be microdosed dur-
ing the day to promote alertness. and CVS in some areas. tain, so you may want to focus on
Adults age 65 and above are among full-spectrum oils.
the most medicated population However, before buying any CBD
nxiety and depression. Stud-
n A
group in the U.S. They represent products, be sure to research the dibles: These are food items
n E
ies show that CBD has mood-
12 percent of the total population brand and company. A reputable infused with CBD concentrate,
regulating effects that can safely
but account for more than a third brand will submit each batch to in- including gummies and syrups.
and effectively treat depression.
of the country’s prescription drug dependent third-party testing to Edibles take longer to produce
There’s evidence to believe that
use. As our bodies naturally age, verify the contents and be sure there an effect since they must be ab-
CBD can help treat other mood
older people are more likely to suf- are no contaminants. Also, make sorbed via the digestive system.
disorders such as PTSD and
fer from serious health conditions. sure the plants are hemp and grown
OCD as well.
Therefore, this group could possibly in the USA. While there is currently opicals: CBD-infused lotions,
n T
see the greatest benefit from CBD no federal regulation for CBD prod- balms or patches are applied di-
products. In fact, states that have le- hemotherapy side effects.
nC ucts, the U.S. does have specific rectly to the skin. They can help
galized cannabis including CBD re- Cancer patients were among the farming practices the industry must with surface-level issues such as
liably prescribe fewer opioids, have first group to experiment with med- adhere to. headaches and arthritis.
fewer deaths caused by prescription ical marijuana to treat symptoms
opioids and fewer people in treat- including nausea, vomiting and Until the FDA steps in to issue CBD oil dosage
ment for opioid addiction. loss of appetite. More recent studies guidelines on CBD safety, the onus While a doctor can provide guid-
show that CBD can be equally ef- is on the consumer to stay safe, so be ance for your specific situation, a
Unfortunately, even though many fective for these symptoms. sure to closely read the label. general guide to ensure seniors’ safe-
older adults are taking advantage of ty is to start at 2.5 mg, which is half
the benefits CBD has to offer, not ementia. Several studies have
n D Using CBD the recommended dose for younger
everyone is on board. Many seniors indicated that CBD treatment Oral tinctures, vape pens and edibles adults. Everyone’s metabolism and
may still hold onto outdated stereo- may slow cognitive decline in de- tend to be most popular with older experience is different, so it’s im-
types of cannabis use, not realizing mentia and Alzheimer’s patients. adults. When shopping around, portant to start slowly and gradually
that CBD could significantly im- keep in mind that different forms increase the dose. Older adults are
prove their quality of life. In many Is CBD oil safe? of CBD produce different effects, more likely to be taking other medi-
cases, CBD may reduce or even re- Research has shown that CBD is and the same product can produce cations and may feel the effects more
place pharmaceutical drugs. Here a safe and effective treatment for effects that vary from person to per- quickly due to age.
are some answers to questions you many people. Of course, anyone in- son. Keep an open mind that find-
might have about CBD. terested in using CBD should speak ing the perfect CBD product may be Over the course of a few days to a
with their doctor first, and never a process of trial and error. Here are week, the dose can be increased in
What is CBD? stop taking medication without a a few types of products to consider: 2.5mg increments. Physical symp-
CBD is short for cannabidiol, one of doctor’s guidance. Like any other toms tend to respond more quickly
more than 100 chemical compounds substance, there are some known ral tinctures: CBD oil or hemp
n O to treatment than psychological
found in the cannabis plant. These interactions between CBD and cer- oil usually contains a food-grade symptoms, so be sure to talk with
chemical compounds are called tain medicines or supplements, so be oil such as MCT or coconut oil. A your doctor about your specific
cannabinoids and share a similar sure to have a candid discussion with full-spectrum hemp oil offers the symptoms and a realistic outcome.
molecular structure to the endocan- your primary care provider. benefits of CBD, plus other valu- Never stop taking any medication
nabinoid hormones our bodies pro- able nutrients. without a doctor’s supervision.
duce. CBD can bind to the human Tips on CBD safety
endocannabinoid system, helping With your doctor’s approval, here BD Isolate: These may be clear
n C www.cbdrethink.com
w w w. Vit a lM a g O nline. co m 5
TO YO U R W E A LT H
The Stretch IRA is Dead. Time for Plan B.
By Bob Carlson, Forbes.com abolished the Stretch IRA. Now, second disadvantage of the Stretch IRA to fund their retirement, and
when an IRA is inherited, the ben- IRA was that distributions from Max will have to take Required
R
emember Stretch IRAs? eficiary has to take distribution of an inherited IRA were taxed to the Minimum Distributions (RMDs).
They weren’t really IRAs, the entire IRA within 10 years. That beneficiary just as they would have
but rather a strategy used by means the IRA has to be fully taxed been taxed to the original owner, as The Profits form a trust with their
people who inherited IRAs as ben- within 10 years and the tax-deferred ordinary income. So, in effect, a ben- two children as beneficiaries. Max
eficiaries in order to make the IRA compounding ends. The change also eficiary inherited only the after-tax and Rosie transfer the annual RMDs
last as long as possible to take advan- applies to 401(k) plans and Roth value of the IRA. to the trust. There are no gift and
tage of its tax-deferred compound- IRAs. Congress wants that money estate taxes because of the annual
ing of income and gains. To accom- out of the tax-advantaged IRAs and Fortunately, there are alternatives gift tax exclusion, which is $15,000
plish this, the beneficiary of the IRA subject to taxes. (There are some ex- to shelter your money that some- in 2020. The trust takes out a joint
would have as little distributed from ceptions. The 10-year distribution times deliver better results than the and survivor life insurance policy
the IRA each year as possible. In the requirement doesn’t apply to a ben- Stretch IRA. on Max and Rosie, naming the trust
ideal situation, the investment re- eficiary who is a surviving spouse, as beneficiary. Because of their ages
turns would exceed the distributions disabled person, a chronically ill Alternative Strategies and good health, the policy benefit is
each year, so the IRA balance would person, a minor child or someone If you don’t plan to use most of a tra- more than $1.4 million.
increase over time. The beneficiary fewer than 10 years younger than the ditional IRA during your lifetime,
ultimately could use the IRA bal- original IRA owner.) there might be better strategies than Max and Rosie use the RMDs to
ance to help finance his or her own to keep the money in the IRA. For make annual gifts to the trust that
retirement or to pay for a substantial There were several disadvantages to example, you can distribute the mon- are used to pay the premiums. After
expense later in life. the Stretch IRA. One disadvantage ey, pay the taxes and invest the after- Max and Rosie pass away, no matter
was that the original IRA owner had tax balance. One advantage is that when that is, the insurance company
The Setting Every Community Up a lack of control or influence over the the portfolio can be managed to avoid will pay at least $1.4 million to the
for Retirement Enhancement (SE- disposition of the IRA. The original ordinary income taxes on the income trust, and the trust will use it for the
CURE) Act, which became law owner might have intended for the and gains. Instead, the earnings could beneficiaries or distribute it to them
December 17, 2019, effectively balance to benefit the heirs in the be tax-advantaged long-term gains as called for in the trust agreement.
wiped out this tax-saving strategy. future, but most IRA beneficiaries and qualified dividends. You also The life insurance benefit is tax free
Among many provisions of the Act, distributed and spent IRAs within a could use any losses to offset gains to the trust and also tax free when
one provision of the SECURE Act few years after inheriting them. The to minimize taxes. Your result could distributed to the beneficiaries. The
be a higher after-tax return earned by children also receive any amount
Problem House? investing the money outside the IRA. that’s left in the Profits’ IRA.
Another benefit of this strategy is The life insurance guarantees the
Unwanted Inheritance? Problem Tenants? that when your heirs inherit the as- trust receives more than is currently
Facing Foreclosure? House Needs Repairs? sets, the tax basis of any appreciated in the IRA. The amount the trust
Behind on Payments? Owe Taxes? assets are increased to their current eventually receives doesn’t change
fair market value. When you buy with market fluctuations. Max and
Fair price offer for your house and hold stocks, mutual funds or
other investments, the gains that
Rosie can draft the trust agreement
to direct when distributions will be
accrued during your lifetime never
Call 302-635-0205
made to their children. Of course,
Fas face capital gains taxes. the details depend on individual cir-
Closintg A second strategy was explained to
cumstances and the type of policy
purchased.
me by David Phillips of Phillips Fi-
nancial Services of Gilbert, Ariz. He The bottom line is that if the Stretch
calls it the IRA Leverage Strategy. IRA was part of your retirement and
It’s best explained with an example. estate plan, it’s time to revise your
plan. The SECURE Act just took
Suppose Max and Rosie Profits are away the Stretch IRA from your
age 71. Max has a $1 million tra- heirs and is forcing you to consider
ditional IRA. They don’t need the alternatives. Time to find a Plan B.
9 Things to Give Up
If You Want to Be Happy
1 Complaining 6 Resistance to change
2 Limiting beliefs 7 The need to impress others
3 Blaming others 8 The need to always be right
Delaware’s # 1 House Buyer 4 Negative salf-talk 9 The need for other’s approval
5 Dwelling on the past
No realtors, no commissions, no closing costs, no fees
6 MARCH 2020
Ways to Effectively Use Grandparent-Owned 529 Plans
you’ve earned in your 529 account should be opened in the same state
may barely outweigh the loss in aid. as the grandparent-owned 529 plan
to avoid recapture rules when funds Average Annual Cost of
If the 529 plan is owned by an inde- are rolled over to a different state’s College Statistics and
pendent student it will be reported 529 plan. Key Findings
as a student asset on the FAFSA and n A verage Total Annual
3
will reduce eligibility for need-based Take a distribution later. If the Cost of Public Colleges:
aid by as much as 20% of the asset student will graduate in four $25,290 (in-state)
value if the student does not have de- years, grandparents can wait $40,940 (out-of-state)
pendents other than a spouse, and by until after January 1 of the student’s
as much as 3.29% if the student has second semester of their sophomore n Average Total Annual
dependents other than a spouse. So a year in college to take a distribution, Cost of Private Colleges:
$10,000 student asset means $2,000 after the student has completed his/ $50,900
less financial aid. Note that assets are her last FAFSA. This is because the n T he majority of students
reported as of the date the FAFSA is FAFSA uses the prior-prior year’s in- pay between $6,000 and
filed, unlike income, which is based come and tax information to calculate $15,000 per year in tuition
on the prior-prior year. eligibility. If the student will gradu- for both public and private
ate in five years, families should wait
S
pring can be a busy time of year, schools in the United
A grandparent-owned 529 account until January 1 of the student’s junior States.
especially for families with year to take a distribution.
high-school seniors ready to is not included as an asset on the
FAFSA. However, any withdrawal
4
take the next step to college. In addi- pay for college. Another alterna-
or distribution from a grandparent- Wait until after junior year or
tion to thinking about college accep- tive is to wait until after the student
owned 529 to pay for college could graduation. To avoid the hit to
tance letters, parents (and grandpar- graduates to take a distribution to
reduce the student’s financial aid a grandchild’s eligibility, it’s of-
ents) should be thinking about how pay down the student loan debt.
by 50% because the withdrawal is ten advisable to wait until the grand-
a 529 account can help pay for col- child’s junior year of college (after he
lege when your child or grandchild counted as income to the student
the next time a FAFSA is filed for or she files their last FAFSA) to help savingforcollege.com
may qualify for some level of federal
financial aid. financial aid. This means that a
$10,000 distribution from a grand-
parent-owned 529 plan will reduce
All colleges offering federal need-
aid eligibility by as much as $5,000.
based financial aid require students
to complete the Free Application
for Federal Student Aid (FAFSA). This disparate impact is simply a
Colleges use information from the result of how the FAFSA treats 529
FAFSA to determine a family’s as- account distributions.
sets, including a 529 account, to cal-
culate a student’s Expected Family The good news is there are planning
Contribution. strategies that can help mitigate this
potential impact while coordinating
The value of a 529 plan owned by grandparent-owned 529s and finan-
a dependent student or one of their cial aid effectively. Here are some
parents (529 plans do not allow joint helpful 529 planning strategies:
ownership) is considered a paren-
1
tal asset on the FAFSA. A (rapidly Change account owner. If the
declining…speak to your congres- 529 plan allows, the grandpar-
sional representatives!) portion of ent can change the account
the value of the account will fall un- owner to the parent. This will mini-
der the Asset Protection Allowance mize the reduction in financial aid
(the exact amount depends on the the next time you file a FAFSA.
parents’ age). Any parental assets Check to see if your state will recap-
beyond that amount will reduce a ture state income tax benefits if you
student’s aid package by a maximum change the account owner.
of 5.64% of the asset’s value. This
2
means that if a parent’s 529 account Rollover 529 plan funds.
exceeds the Asset Protection Allow- Grandparents can roll over a
ance by $50,000, his child’s finan- year’s worth of funds to a par-
cial aid award could be reduced by ent-owned 529 plan. If the rollover
$2,820. If the allowance continues occurs after the FAFSA is filed, the
to crash (age 48 is the median age funds won’t be reported as an asset
of parents of college-age children. on the FAFSA (assuming the funds
For these parents, the asset protec- are spent before the next FAFSA is
tion allowance has dropped from filed). Distributions will not affect
$52,400 in 2009-2010 to $6,000 in aid eligibility because the 529 plan is
2020-2021, a $46,400 decrease) the owned by the parent. It’s important
benefits of tax-free investment gains to note, the parent-owned 529 plan
w w w. Vit a lM a g O nline. co m 7
CO V E R S TO RY
Vital: Pantano Real Estate is well-known though, I discovered I received more joy from
A BOUTIQUE in the community. How did your company
get its start?
PRE: Pantano Real Estate was founded over 15
real estate than from human resources, which
led me down a different path. Before becoming a
licensed real estate agent, I worked as a contrac-
BROKERAGE years ago by Paul Pantano. Paul wanted to serve
the greater Wilmington community through a
real estate brokerage that exhibited his values of
tor for bank-owned properties and conducted
home inspections. I began investing in rental
properties in Delaware and New York and to this
DEDICATED TO excellent customer service coupled with sound
real estate decision-making principals. His
journey started in the Trolley Square vicinity,
day, real estate is my passion.
Holly Henderson-Smith: My background is
SERVING THE not far from where he grew up in Wilmington,
and from there his vision grew. Today we serve
thousands of clients throughout the greater
in advertising and marketing. Although I’m a
native Delawarean, I worked in New York 13+
years as a vice president of advertising and mar-
COMMUNITY New Castle County marketplace. As an indus-
try veteran with over 30 years of experience,
Paul also buys what he sells. And not only is he
keting in the fashion industry. After moving
back home and starting a family, I chose to use
my skills locally and got involved in real estate.
invested in our local community, but he’s also The idea of being able to use my background
heavily involved in community service, serving to help people with what may possibly be the
and leading numerous community-centric or- single most important investment in their life
ganizations, all of which contribute to his fresh was a game changer for me. It’s been an amaz-
approach to real estate. ing journey so far, and I haven’t looked back.
I haven’t yet gotten into investing yet, but my
Vital: You use the term “boutique broker- broker’s mantra is “You’ve got to buy what you
age” on your website. What exactly does sell!” So that’s on my list in the near future.
that mean?
PRE: We call ourselves a boutique brokerage Vital: Why are you focused on helping the
not because we keep a small team, but because over-50 market?
we offer an elevated level of service we feel is Erik: I’ve experienced first-hand how difficult
important to many clients. We start by creat- it can be to help a parent downsize while still
ing a detailed plan of action for every client, working full time myself. It was overwhelming.
Pantano Real Estate has been a fix- tailored specifically to their needs. We include When my parents moved to a 55+ community
ture in Wilmington and New Castle services many other agencies charge for, includ- back in 2007, I wasn’t aware of any realtors or
County for over 15 years. The bou- ing custom-designed brochures, minor staging professional services I could lean on to help my
tique full-service firm is known for and professional photography. By offering a parents move from their house into a condo.
more personalized level of service, we really get Now, with the knowledge both Holly and I have,
the relationships agents forge with cli- to know our clients and, in many cases, become the things we’ve experienced and the contacts
ents, and the pride they take in those friends with them. We take on a lot more than we’ve developed, we focus just as much on edu-
relationships. This month we have the just the sale or purchase of a home. We help cating people as we do facilitating their moves.
our clients navigate one of the most important
pleasure of introducing you to Holly transactions they’ll ever make in their lives, in Vital: What makes Delaware attractive to
Henderson-Smith and Erik Bashford, the process creating a bond that remains well so many people?
Pantano’s Certified Senior Real Es- beyond settlement. Holly: Delaware really is a Small Wonder!
tate Specialists. We think you’ll agree: There are so many benefits to retiring in Dela-
it’s easy to see what makes them espe- Vital: How did you two choose the field of ware, it’s hard to know where to start. Delaware
real estate? has always been a popular place for people to
cially well-suited to help Vital! readers Erik Bashford: I was born and raised in New- retire, not only for people who’ve lived here all
with their home buying and selling ark, went to Salesianum and graduated from the their lives, but also for retirees in neighboring
needs. University of Delaware. After college, I began states. Ask anyone who moved here from PA,
a career in Human Resources. Very quickly, New York or New Jersey and they’ll tell you
8 MARCH 2020
our property taxes are nominal compared to their
previous states. Beaches are a short commute no
matter where you live, the cost of living is low, and
of course, there’s the tax-free shopping. That’s
why, over the past decade, we’ve seen the building
of more and more 55+ communities and assisted
living facilities than you can imagine, with plans
to build more in the works.
Vital: Can you tell us more about your mis-
sion to help seniors?
Erik: Nowadays, we more frequently use the
term mature or active adults. People aren’t slow-
ing down; instead they’re very actively enjoying
the fruits of their labor. Our mission is to educate
them on all things real estate so they can make in-
formed decisions that help pull together a compre-
hensive plan of action. Many people we work with
haven’t bought or sold a house in decades. The sale a process. As realtors, we’ve also been to a num- this process and that different people need differ-
or purchase of real estate can be terrifying – just the ber of homes where the need for additional help ent levels of help. In some cases, we advise on the
thought of leaving a home that’s been familiar to and expert advice is apparent. To further support need to hire third-party companies that can as-
them all their lives is unsettling. We understand. We our mission, we spent considerable time further- sist with the process. In other cases, the number
think of ourselves as the backbone of their support ing our education, and we both are proud recipi- of items to address is minimal, so it’s just about
system, connecting them with whomever they need ents of the SRES Certification (Senior Real Estate being a resource for them when it comes to who
to help alleviate the stress. Our network of contacts Specialist). This better equips us with the tools we they should call to remove unwanted items, sell
spans the widest range possible of services, from need to help our clients make life-changing deci- antique furniture, move furniture, and so forth.
move managers to cleanout companies, mortgage sions. After all, their needs, financial means, and But, regardless of the process involved in get-
and reverse mortgage providers to senior living re- available options are different than traditional ting from start to finish, we always emphasize the
ferral services, home health care providers to elder homeowners. Working with an agent who has this positive, knowing that many clients are downsiz-
law and estate planning attorneys, and everything in specific training definitely has its perks! ing because of necessity and not by choice. We’re
between. We hold our client’s hand and do a thor- focused on emphasizing the upside of downsizing
ough job of bringing them up to speed about what’s Vital: When a client invites you into their and looking forward to making new friends. Our
going on in the current market so they can decide home to talk about downsizing, what type of mantra is that saying goodbye to personal items
what’s best for them. And sometimes, the best deci- advice do you give them? doesn’t mean saying goodbye to the memories.
sion for them is to stay right where they are. Erik: Our approach and our advice depends on
so many factors. It’s really a case-by-case basis. Vital: It’s so easy to see you two are not only
Vital: What sets you apart from other realtors Everyone’s circumstance is different. When we compassionate, but dedicated to doing the
when it comes to helping clients buy or sell first meet new clients, we spend time getting to right thing. That’s so refreshing. If readers are
one of, if not the last home they’ll live in? know them on a personal level. It’s very important in the middle of the process of buying or sell-
Holly: Aside from both of us genuinely caring for to us to understand their mindset, for instance, if ing a home, are contemplating a move, or just
our client’s well-being, we both have personal ex- they’re looking forward to downsizing or if they’re want your advice, how can they get in touch
perience dealing with the transition of loved ones struggling with the concept of a move. Our advice with you?
and remember vividly the hoops we had to jump also depends on their next home. For instance, are Holly: We’re always just a phone call (or text or
through to get them settled. The tasks of figuring they moving to another single-family home, a 55+ email) away! I can be reached at 302-298-2836 or
out their options, packing up their life, moving community or an assisted living facility? Down- by email at holly@pantanorealestate.com. Erik
them to a new home, and making sure they do well sizing typically involves some level of selling, giv- can be reached at 302-540-8048 or by email at
adjusting to the new setting are extremely difficult. ing away or throwing away personal items. We ebashford@pantanorealestate.com. We look for-
We’ve been through it. We know what it’s like. It’s understand the need to be compassionate during ward to helping!
RESOURCE CORNER
We’re here to help make your move easier! We’re proud to work with these
local and national resources. Feel free to call us to help you connect.
Real Estate Brokerage:
Erik Bashford, Pantano Real Estate, 302-540-8048
Holly Henderson-Smith, Pantano Real Estate, 302-298-2836
Reverse Mortgages:
Gail Alm, Fairway Independent Mortgage Corporation, 410-868-0423
Elder Law and Estate Planning:
Karla Levinson, www.laurencelevinsonlaw.com, 302-656-3393
William Erhart, www.eaels.com, 302-651-0113
Law Office of Kevin A. O’Brien, www.deestateplan.com, 302-888-2707
Home Health Care and Move Management:
Your Own Home, www.yourownhomecare.com, 302-478-7081
Senior Living Care Referral Service: www.aplaceformom.com, 800-371-5898
Senior Care Referral Service: www.caring.com, 800-973-1540
Cleanout Services:
www.1800GOTJUNK.com, 800-468-5865
Professional Clean Out Services, Inc., 610-872-5902
w w w. Vit a lM a g O nline. co m 9
your health care,
When it comes to
your health care,
experience makes
a difference
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Hospice, our continuum of care services provide the right care
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For more information about our services, please call us.
19334 Wilmington Market Cluster Ad - Vitality Magazine.indd 2 12/19/19 1:52 PMGOIN’ GREEN
Climate is what you expect. Weather is what you get.
How Climate Change Plunders the Planet
We see climate change everywhere— when we grow food is vitally con- such as shellfish and coral, may dustry started to boom. We’re on our
in weather patterns, across farmland, nected to our climate’s normal not have enough calcium to grow. way toward 1.5° C by as early as 2030.
and throughout plant and animal patterns. Worldwide, farmers are n F
orests are more prone to deadly
habitats. In fact, 2015 to 2018 were struggling to keep up with shift- Why a half-degree more is such
infestations. Milder winters and
the four hottest years ever recorded. ing weather patterns and increas- longer summers allow tree-killing a big deal
Here, three critical aspects of an in- ingly unpredictable water sup- insects to thrive. Meanwhile, trees A warmer world—even by a half-
creasingly warmer planet. plies. Farms are more likely to weakened by prolonged drought degree Celsius—has more evapora-
face attacks from weeds, diseases have lower defense mechanisms.
and pests, which affect yield. Ex- tion, leading to more water in the
More heat alters ice, weather This cycle of warmer weather,
treme events also threaten crop atmosphere. Picture a cotton farm
and oceans. weak trees and thriving insects is
yields, such as through flooding that’s been around since 1960, with
According to the United Nations, likely the culprit behind the mas-
or reduced water supply. global average temperatures rising by
ninety percent of natural disasters sive die-off of 70,000 square miles
roughly half a degree since it grew its
are weather-related. These are some n W
armer, polluted air affects our of Rocky Mountain conifers.
health. A warmer atmosphere in- first crop. The increased evaporation
high-profile examples of how the
creases the formation of ground- This is why fighting climate and additional moisture in the atmo-
extra warmth changes climate con-
ditions and weather patterns: level ozone (smog) in polluted change is so urgent sphere has led to 30% more intense
regions. Smog irritates lungs and In just the past few decades, rising rain during heavy downpours in that
n T
he cryosphere—the frozen water part of the U.S. Then a hurricane like
triggers asthma attacks. Smoke temperatures have worsened ex-
on Earth—is melting. A warmer
from wildfires further degrades treme weather events, chunks of ice 2018’s Florence—already strength-
atmosphere causes the planet’s
the air. Extreme summer heat in the Antarctic have broken apart, ened by warmer oceans and higher
snowpack, glaciers and sea and
means more deaths during heat- wildfire seasons are months longer, seas—dumps this excess rainfall on
freshwater ice to melt rapidly,
waves. Warmer freshwater makes coral reefs have been bleached, and the farm. The crops are destroyed.
contributing to unprecedented
it easier for disease-causing disease-spreading mosquitoes are
sea level rise. Melting sea ice
agents, such as bacteria, to grow expanding their territory. It’s how you go from a half-degree of
exposes darker ocean waters,
and contaminate drinking water. warming to economic hardship.
which absorb more sunlight than Earth has already warmed by about
ice—heating the ocean more and n Infrastructure and transportation
1°C since the 19th century, before in- www.edf.org
speeding up a relentless cycle of are at risk. Hot weather, flooding
melting and heating. and other extreme weather events
damage infrastructure, put heavy
nT
he oceans are getting hotter,
burdens on electrical supplies
expanding and becoming more
and disrupt how we travel and
acidic. They are getting hotter
commute.
because they absorb 90 percent of
the extra heat in the climate. This Natural habitats become hostile.
shift causes the oceans to expand,
contributing to higher sea levels Habitats on land and in the sea are
and bleaching coral. Mass coral changing, making them inhospi-
bleaching results in the starva- table for some species, while letting
tion, shrinkage and death of the others move in and take over. Some
corals that support the thousands ecosystems are at risk of collapsing.
of species that live on coral reefs. n T
he ice Arctic animals need is
Meanwhile, nearly a third of car- vanishing. As sea ice disappears,
bon dioxide emissions end up in ice-dependent mammals such as
the oceans, triggering a chemistry walruses and polar bears struggle
change that makes the water more to survive. In 2008, the polar bear
acidic, dissolving the shells of sea became the first animal to make
creatures. The ocean is almost 40 the Endangered Species Act list
percent more acidic than it used of threatened species because of
to be. global warming.
n W
eather is getting more ex- nC
oral and shellfish are suffer-
treme. Heatwaves are more fre- ing. Coral reefs are highly sensi-
quent worldwide. The increased tive to small changes in ocean
evaporation of water is like fuel temperatures. The heat stresses
for storms, exacerbating extreme the algae that nourish the corals
weather events, such as hur- and provide their vibrant colors.
ricanes. Rising sea levels make The algae then leave, and the cor-
storm surges capable of much als eventually starve—an event
greater damage. In more natural- known as bleaching. As coral reefs
ly arid areas, droughts and wild- are home to many other species,
fires are intensifying. such as fish, their collapse would
disrupt the entire ecosystem. A
Human life and prosperity suffer. more acidic ocean also affects the
n C
limate change is a major threat normal calcium balance, mean-
to agriculture. Where, how and ing creatures with calcified shells,
w w w. Vit a lM a g O nline. co m 11C A R E G I V E R ’S CO R N E R
The 10 Commandments of Caregiving
final decisions should take into ac- recommended by her geriatrician,
count how all parties involved can was more appropriate.
best maintain their quality of life.
The Ninth Commandment:
The Fifth Commandment: Stand Your Ground
Educate Yourself Doctors, social workers, and pro-
Knowledge is power. Knowing what fessional caregivers are all just
to expect and what options are avail- people, and though they have been
able makes it easier to cope with the schooled, you know your loved one
challenges one may face. Resources best. Listen to everyone’s advice,
are everywhere: books, websites, and if there’s a problem, don’t let it
forums as well as caregiver support be ignored. It’s your responsibility
groups. Use them. to call attention to the situation. You
are your loved one’s voice.
The Sixth Commandment:
Learn Every Bureaucracy The Tenth Commandment:
How many times have we heard Take Care of Yourself
someone say, “That’s not my re- Caregiver burnout is a constant
By Mimi Pockross, caregiver.com sponsibility”? Whether it’s con- threat. That means eat right, ex-
tacting a physician, working with ercise, get enough sleep and take
T
the Medicare system, managing breaks. Don’t feel guilty about need-
aking care of two elderly parents with differing needs medications, figuring out how home ing time to yourself to read, to shop,
was not an easy task. My on-the-job training came health care works, filing claims with to get a massage. Whether a family
from professionals I met along the way, from living insurance companies or knowing member or friend takes over or you
day to day with the challenges that I experienced, and from who does what at the senior living rely on caregiver respite services,
others who had gone through this “roller coaster ride of care- facility, the more one knows about you can’t take care of someone else if
who to contact and how to proceed, you’re not well yourself.
giving.” This is what I’ve learned. the less frustrated everyone will be.
There will always be ups and downs
The First Commandment: tion, spousal information, birth cer- The Seventh Commandment: in the caregiving process, but if you
Analyze Your Personal tificates, marriage licenses, divorce Stay Fluid follow these commandments, there
Circumstances agreements, financial statements. It is a better chance that when you look
should all be in one place – or at least There are going to be times when back on this stressful time, you will
Everyone is different and every- know where the information can be you will need help and support and have comfort in knowing that you
one reacts to situations differently; found. Many books are available to the answers will not come quickly. did the best you could, both for your
sometimes personalities clash. Some help guide you. I started with one It’s important not to panic and not loved one and for yourself.
of us are deniers and refuse to admit notebook and ended with notebooks get mad. A sense of humor really
that there is trouble. Some of us are for each parent and a file box filled comes in handy if you can manage
needy and expect others to do all with folders labeled by category. to keep yours. If all that fails, take a
the things that we can no longer do. few deep breaths, share the burden,
Some of us are naïve and just plod or, even though it might be hard,
The Third Commandment:
along until there is a crisis. Some of take an hour or two away from the
us know better but keep putting off Communicate situation. I remember once near the
doing anything about the current Whether it’s an ER physician who time of Dad’s passing when I just let
situation until it becomes an emer- needs to know your loved one’s situ- loose on the CNA (certified nurse
gency. Some of us think we know ev- ation, or your loved one who needs assistant) who couldn’t find Dad’s
erything and want to stay in control, to be reassured, or a family member prescription. Turned out it was left
making all the decisions. Start the who may have a differing opinion, life in the mailbox. These things are go-
family conversation early to assess is better if there is a continuing dia- ing to happen; keep in mind you get
personalities, options and who will logue, a respect for different points of more bees with honey.
(or will not) help with what. It will view, and a shared objective.
be a work in progress. The Eighth Commandment:
The Fourth Commandment: Do Your Homework
The Second Commandment: Prioritize Don’t make important decisions
Organize Is it more important to save money without consulting experts or by
Caregivers need all the care recipi- or to have the very best amenities seeking out credible reading materi-
ent’s basic information, not just liv- possible? Is it more important to age als. When my mother became more
ing wills and powers of attorney. It’s in place with home health aides or and more aggressive, the geriatric
social security numbers and comput- to be in a continuing care commu- care manager suggested that Mom
er passwords, keys and home mainte- nity? Is it more important for your needed psychiatric help. When I ran
nance information, medical history, loved one to stay in their hometown this by the head nurse of her demen-
Medicare paperwork. banking infor- or move closer to a child? There are tia unit, she laughed at the thought.
mation, safe deposit box information myriad decisions to be made, so list Ultimately, I felt that employing a
and more. It should include insurance what’s important to everyone in- psychologist would do more harm
policies, important contact informa- volved. At the very minimum, the than good. I decided a sedative, as
12 MARCH 2020By Madisyn Taylor
T
here is a popular misconception that we might be able to just wish our
dreams into being. Maybe on some other level of consciousness this is the
case, but here on earth what we need to do is take action in our lives. Vision
is an important companion to our efforts, but it can’t accomplish anything all by
itself. When we focus on what we want and ask for what we want, we are initiating
a conversation with the universe. Our desires, passionately defined and expressed,
bring about valuable and relevant opportunities, which we then respond to by either
taking or leaving them.
Many of us are afraid to step out into the world and make things happen, and so we
hang back, dreaming and waiting and watching. There are times in life when this is
the right thing to do, but this phase of inaction must eventually give way to its oppo-
site if we are to build our dreams into a reality. This can be really scary, and we may
Take Action
fail and struggle, but that’s okay because that’s what we’re supposed to do. Waiting
for everything to be perfect before we act, or waiting for what we want to be handed
to us, leaves us waiting forever. No one expects us to be perfect, so the best thing we
can do for ourselves is to get out there and take action on our dreams.
In order to make our dreams come One of the hardest parts about having a vision is that when we test it in the laborato-
ry of life, it often comes out looking completely different than what we had in mind
true,we must take action rather than or, worse, it doesn’t come out at all. If you read the life stories of people who have
simply wishing for what we want. brought their dreams into reality, you will hear many stories about this experience.
But you will also hear about hard work, taking action, perseverance, and, finally, the
successful birthing of a dream.
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w w w. Vit a lM a g O nline. co m 13H AV E S O M E F U N
Crossword
One-Skillet
By Dave Fisher
1 2 3 4 5 6 7 8 9 10 11 12
13 14 15 16
Steak and
Spring Veg
17 18 19
20 21 22 23
with Spicy Mustard
24 25 26
27 28 29 30 31 32
33 34 35 36
This mustard sauce is
37 38 39 40 41 meant to have some zing,
but if you want less heat,
42 43 44 45 46 47
swap smoked paprika for
48 49 50 51 the cayenne.
52 53 54 4 servings
55 56 57 58 59 60 61 INGREDIENTS
62 63 64 65
•1 pound boneless New York
strip steak, patted dry
66 67 68 • Kosher
salt, freshly ground
pepper
69 70 71 • 5 garlic cloves, 1 grated, 4 thinly sliced
• 1/3 cup Dijon mustard
©www.mirroreyes.com Answers on page 12
• 1 tablespoon sherry vinegar or red wine vinegar
• 1 teaspoon honey
• 1–2 pinches cayenne pepper
ACROSS DOWN • 1/3 cup plus 3 tablespoons olive oil
1. Prostitute 1. Insulation
• 1 bunch scallions, thinly sliced, divided
5. Boats 2. Wings
• 1 10-ounce bag frozen peas
9. Bright thought 3. Reverent
13. Balm ingredient
• 1 bunch asparagus, trimmed, cut into 1-inch pieces
4. Having toothlike projections
14. Ringworm cassia 5. Request
16. Close 6. Cleave
DIRECTIONS
17. Mountain pool 7. Leg joints • Season steak all over with salt and pepper.
18. Work dough 8. Noshes
19. Bacterium 9. An artless innocent young girl • W
hisk 1 grated garlic clove, 1/3 cup mustard, 1 Tbsp.
20. Exams 10. Accomplishment vinegar, 1 tsp. honey, a couple pinches of cayenne, 1/3 cup
22. Certainly 11. Nobleman oil, and 1 Tbsp. water in a medium bowl to combine; season
24. Laugh 12. Ground forces spicy mustard with salt and pepper.
26. Coil of yarn 15. French farewell
27. Snob 21. Tibia • H
eat a dry medium skillet, preferably cast iron, over medium-
30. Bedroom community 23. Claim high. Rub steak all over with 1 Tbsp. oil and cook, turning
33. Maturation 25. Largest continent every 2 minutes or so and making sure to get color on the fat
35. Clairvoyants 27. Historical periods cap, until medium-rare (an instant-read thermometer inserted
37. Alien Life Form 28. Light purple into the center will register 120°), about 10 minutes. Transfer
38. Coral island 29. Explosive steak to a plate to rest. Pour off oil from skillet, leaving crispy
41. Loving murmur 31. Remunerate bits behind.
42. Fry briefly 32. Sweep
45. Balata tree 34. Mouth (British slang) • H
eat remaining 2 Tbsp. oil in same skillet over low. Add 4
48. Priesthood 36. Fizzy drink sliced garlic cloves and all but about 2 Tbsp. scallions (save
51. Quandary 39. Directed those for serving) and cook, stirring often, until translucent
52. Virtuous 40. Wreaths and softened, about 3 minutes.
54. A cleansing agent 43. Poster color
55. Cheated 44. God of love • A
dd peas and a splash of water and cook, stirring and
59. Extraordinary 46. Whip mashing to break up slightly, until peas are tender, about 5
62. Employ 47. Fatigued minutes. Add asparagus; season with salt and pepper. Cook,
63. Type of drum 49. Lawn cover stirring often, until asparagus is just tender, about 5 minutes.
65. 12 in a foot 50. A boring movie Remove from heat.
66. Anagram of “Rave” 53. Depart
67. One more than 6 55. “Pow!” • Slice steak and shingle over vegetables in skillet.
68. Feudal worker 56. Apiary
69. Plateau 57. Angers • D
rizzle some mustard sauce over steak and top with reserved
70. Marsh plant 58. To endure (archaic) scallions. Serve with remaining mustard sauce alongside.
71. Consider 60. Skin disease
61. Not us www.bonappetit.com
64. Terminate
14 MARCH 2020You can also read
