The Stano Law Firm's online newsletter for September 2018
monthly “You are not alone.”
SEPTEMBER 2018
FROM THE DESK OF
Paul Stano
Just this week, I saw an article from Suze Orman with advice to get long-term care insurance while you’re in your 50s and can afford it. She has also talked about how she has full-time nurses who are caring for her 96-year-old mother. Her regret is that her mother didn’t pay the $2,000 premium when it was time, and now she’s paying $30,000 per MONTH. Here’s what Suze Orman didn’t tell you ... Long-term care insurance is a use-it- or-lose-it product — just like health insurance. No matter what the premium, it’s not better than the options that I’ve put in place for myself. She didn’t tell you that if you have more than $400,000 in your IRA, you can shift $100,000 of that money to a financial product that will not only provide you with money to pay for long-term care, but will also pay out a BENEFIT to your children if you end up NOT entering a nursing home.
THEWORLDTRADE CENTER How the Towers Came to Be
On Sept.11, 2001, at 8:46 a.m., American Airlines Flight 11 struck the north tower of theWorld Trade Center traveling at 470 mph, ripping a hole in the building from floors 93 to 99. At 9:03 a.m., a second plane smashed into the south tower traveling at 590 mph, cutting a gaping hole from floors 75 to 85. Within an hour, the south tower collapsed due to the sheer weight of the building combined with the damage dealt by the impact and the burning jet fuel. At 10:28 a.m., the north tower followed. The rubble and debris from the collapsed towers caused fires and further damage to the surrounding buildings and areas. Within hours, nearly 3,000 people had lost their lives. The attack left the world in a state of terror and grief, and the United States was changed forever. Today, the twin towers’ last day is remembered as the worst terrorist attack in history, but few people know how the buildings became part of New York City’s skyline in the first place. A world trade center pavilion was first hosted during the NewYorkWorld’s Fair in 1939 — the exhibit was dedicated to the slogan“world peace through trade.”The idea for theWorld Trade Center was then abandoned after seven years, until David Rockefeller revived the concept to reinvigorate lower Manhattan. Rockefeller took the reins and continued the project, finding premises near the Fulton Fish Market on the East River, and construction on the $250 million complex began. He also turned to the Port of NewYork Authority for financial support to ensure theWorld Trade Center’s completion, and the first real plans for theWorld Trade Center were put into action. It was then that the Port Authority decided the towers should break the record for the tallest building in the world, beating the 1,250-foot Empire State building. To do this, architect Minoru Yamasaki designed the towers to hold 110 stories each, but they would not have the traditional
-Paul Stano
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glass-and-steel-box design used for most skyscrapers at that time. Instead, Yamasaki worked with structural engineers to come up with a revolutionary design that would disperse the weight throughout. The plan included two hollow tubes supported by steel columns spaced closely together and wrapped
plaza was finished. An estimated 10,000 workers labored to build theWorld Trade Center. The towers had 99 elevators, 43,600 windows, 40,000 doors, and 3,000 miles of electrical wiring, and each building weighed 250,000 tons. They were the tallest buildings in the world until Chicago’s Sears Tower was completed less than a year later. The towers were first attacked in 1993. Down in the basement of the north tower’s parking garage, a 1200-pound bomb was set off. The attack cost six people
features such as battery-powered stairway lights and a separate emergency command center for each building. The towers remained an iconic part of NYC’s famous skyline for another eight years. Today, the towers are gone, but the peace they once symbolized lives on in the tranquility of Ground Zero, and every man, woman, and child who lost their life on Sept. 11, 2001, is memorialized on the stone monuments and through the annual reading of names. As Sandy Dahl, wife of Flight 93 pilot Jason Dahl, said,“If we learn nothing else from this tragedy, we learn that life is short and there is no time for hate.”
in aluminum, while floor trusses connected this shell to the tower’s central steel core. Construction of theWorld Trade Center officially began in February 1967. The north tower was completed in December of 1970, and the south tower was finished in July of 1971, but construction continued for the next two years until the outdoor
their lives, and over 1,000 people were injured. The Port Authority wasted no time in renovating the building; over the next eight years, the company spent $700 million on renovations, including added safety
Prepare Your Garden Autumn Steps for a Better Spring Garden
With fall just ahead, it’s a good time to think about your spring garden. For a beautiful garden next year, begin preparing this fall. Here are a few ways to get a head start!
your bulbs after they’ve been planted. This keeps rodents from digging them up and allows the plants to grow through the gaps in the wire.
KEEP YOUR GARDEN TIDY
PLANTING BULBS
Once you’ve harvested your best fruits and vegetables, go back through and harvest the rest, even if you don’t plan to eat them. Make sure your garden is clear of old vegetables, fallen leaves, and weeds. Leaving decaying plants in or on top of the ground can spread diseases into the soil and attract unwanted pests to your garden.
If you want beautiful flowers in April, you should start planting bulbs now. Many flower bulbs need to be in the ground before winter settles in; this helps activate the bulbs’biochemical process that allows them to bloom. Getting the bulbs into the ground before it freezes allows their roots to grow deep enough to protect them from the biting winter weather. Among the flower bulbs you should plant soon are tulips, daffodils, irises, and hyacinths.
HEALTHY SOIL
CHICKEN WIRE
Pulling up weeds and all of your vegetables can help keep the earth free from rotting plants, but there are other steps you can take to ensure that your soil stays full of nutrients. Pick up a kit to test the pH levels of your soil. Most gardens thrive in soil with a pH of 6.5. Add compost to your soil supply now to give it time to break down during the winter months.
After you’ve planted your bulbs, there’s a risk that uninvited guests will dig them up. There are a few ways you can ensure that your bulbs remain undisturbed throughout the fall. One way is to place chicken wire over
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A Guide to Picking a Post-Career Hobby New and Rediscovered Passions in Later Life
Aside from financial concerns, the No. 1 question that most impending and recent retirees struggle to answer is how they will fill up all their time. While spending time with family and relaxing are priorities for most folks entering the post-career chapter of their lives, these aren’t enough to fill up the bulk of your newly acquired free time. Cultivating a hobby is a great use of your time at any age, but especially during retirement. As Dick Van Dyke once said, “To me, retirement means doing what you have fun doing.” Here are three questions to help you discover a hobby that’s right for you.
financial resources of a professional athlete, there’s nothing stopping you from pursuing a newfound passion at the same velocity as the footballs Bledsoe threw.
DO YOU HAVE A DORMANT PASSION?
Work has a tendency to put our other interests on the back burner. Maybe you painted for pleasure during college but put the canvas away to focus on your career. Perhaps you were once a chess fanatic, and today you find your board gathering dust from lack of use. Now is the perfect time to rediscover those once-beloved activities.
IS THERE A CAUSE YOU WANT TO SUPPORT?
Volunteer work can be incredibly fulfilling, especially when you have the time and energy to devote to it. Many older adults find that giving back to the community adds meaning and purpose to their lives. The best way to figure out how to donate your time is to think about a cause dear to your heart. From there, find a reputable organization that supports said cause, and see what you can do to help.
WHAT HAVE YOU ALWAYS WANTED TO DO?
Discovering new hobbies is just as rewarding as rekindling old ones. Have you ever heard about a pastime and thought, “I’d love to do that, if only I had the time”? Former NFL quarterback Drew Bledsoe opened a winery after retiring from football. While you probably don’t have the
Retirement is the perfect opportunity to throw yourself head-first into something you’re passionate about. So what are you waiting for?
Take a Break!
Late-Summer
PANZANELLA
Ingredients
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1 small loaf French bread, cut into 1-inch cubes (6 cups) 3 tablespoons extra-virgin olive oil
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1/2 red onion, thinly sliced
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1 cucumber, sliced into rounds
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20 basil leaves, chopped
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Salt, to taste
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2 large tomatoes, cubed
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Vinaigrette
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2 red bell peppers, seeded and cubed
Directions
1. In a large sauté pan, set to
your favorite vinaigrette and mix again.
medium-low heat and add olive oil. Add bread and 1 teaspoon
3. Serve immediately or let sit 30 minutes to allow the flavors to meld together.
salt, and toss often for 10 minutes or until toasted.
FOOTBALL TOUCHDOWN QUARTERBACK AUTUMN
EQUINOX LABORDAY BARBECUE SEPTEMBER
HARVEST APPLE STUDENTS HOMECOMING
2. In a large bowl, mix vegetables and herbs. Toss in bread and
Recipe courtesy of LoveAndLemons.com
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INSIDE THIS ISSUE From the Desk of Paul Stano PAGE 1 The Hopeful Beginning and Catastrophic End PAGE 1 Get a Head Start on Next Spring’s Garden PAGE 2 What Have You Always Wanted to Do? PAGE 3 Take a Break PAGE 3 Late-Summer Panzanella PAGE 3 Have You Heard About Mauritius? PAGE 4
MARVELOUS MAURITIUS A Secret Island of Adventure Just over 1,000 miles off the southeastern coast of Africa in the Indian Ocean lies the small island of Mauritius. The island is often overlooked by the rest of the world. Most people are more likely to have heard of the island’s most famous extinct occupant, the dodo bird, than the island itself. This is shocking when you discover howmuch fun there is to be had in this tropical wonderland.
ADVENTURE AWAITS
TASTE THE MEMORIES
plenty of opportunities to learn about the island’s layered past. You can visit one of the historical rummeries or explore Mauritius’ two UNESCOWorld Heritage Sites. You can also check out Aapravasi Ghat, the Immigration Depot, and Le Mourne Brabant. Despite its amazing vacation potential, Mauritius is all but unheard of to people in the United States. This means travelers can find amazing five-star resorts at unbeatable prices! With this in mind, isn’t it time you got to know the island of Mauritius?
Looking for fun in the sun? Start your trip to Mauritius with a hike up the lush Lion Mountain, or take time to snap a photo of the Seven Coloured Earths, where volcanic soil has created sand dunes of seven distinct colors. And what’s a trip to an island without the beach? Beautiful coral reefs surround Mauritius, keeping sharks away from the pristine beaches. Island guests and locals can fearlessly scuba dive around the brilliant reefs, swim with dolphins, kite surf, and find lots of other ways to enjoy the warm ocean waters.
A day spent playing on an island is always better with great food. Influenced by its French, Creole, Indian, and Chinese heritage, Mauritius offers a vast menu of delicious dishes to try, from curry to dim sum. And the rich soil and bountiful ocean provide more than enough fresh fruit and seafood to go around.
WALK THROUGH HISTORY
More than a tropical escape, Mauritius is an island full of history and culture, so there are
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