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OCTOBER 2018
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PATRIOT WEALTH
HOW THE TRIANGLE SPECIAL HOCKEY ASSOCIATION CHANGES LIVES
AND HOW YOU CAN GIVE BACK
When I was growing up, playing hockey had a profound effect on my personal development. Beyond the life lessons I learned from the game, as a youngster, lacing up my skates served as my outlet. I knew that no matter what challenges arose, they would all melt away the second I stepped on the ice. The rink was one place where nothing else mattered. It was just me, the puck, and the irreplaceable bonds I formed with my teammates — relationships I still have to this day. Experiences like these are why I love supporting the Triangle Special Hockey Association (TSHA). We’ve been blessed to serve amazing clients across multiple demographics, and how we became affiliated with this organization is a perfect example. The son of two long-standing people we’ve worked with started this association when he was 12 years old. He latched his ambition to his love for hockey and created
Sled hockey is truly a beautiful sight because it’s an inclusive sport unlike any other; I can’t think of another activity that caters to those disabled with these specific conditions. In fact, many players who take up sled hockey have never played in their lives, but their disability drew them to the sport. The organization does a tremendous job facilitating this, and for those who have no experience but want to learn, TSHA specifically provides training for players to develop essential skills. Their Learn to Skate and Learn to Play programs help anyone with developmental or physical disabilities to understand the fundamentals of skating and playing hockey. The TSHA is hosting an event on Nov. 16 , and we’d love to tell you more about it. It’s a casino night where you can see firsthand how hockey has transformed the lives of hundreds of people of all ages. While anyone can donate from afar, seeing this in person is truly an experience unlike anything else. There will be a silent auction and raffle, as well as Carolina Hurricanes players both old and new in attendance. If you’re interested in more details, contact us or go to the website trianglespecialhockey.org. If you’re looking for alternative ways to help, the organization is always looking for used hockey equipment. Having experience with this equipment, I realize it’s difficult for new players to get started because of the high costs of gear. Currently, the substantial need is for adult- size skates, sticks, gloves, pads, pants, etc. You can email Stu Shaw, the TSHA equipment manager, at stushaw107@ gmail.com for more information. Hockey can be a cost- free experience for these participants if we all work together to donate.
something impactful for the Raleigh community. Most of the participants in this association have limitations beyond their control. Conditions like spina bifida — where the spinal cord develops improperly in the womb — amputees, or other hindrances prevent these players from experiencing hockey in the traditional form.
— Wes White
Investment Advisory Services offered through Retirement Wealth Advisors (RWA), a Registered Investment Advisor. Patriot Wealth and RWA are not affiliated. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.
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HOW TO REWIND LIFE’S CLOCK USING SOCIAL MEDIA THERE’S AN APP FOR THAT?
One of the hardest challenges of aging isn’t coping with the physical changes or new limitations associated with getting older; it’s finding new groups of people with similar interests, especially for empty nesters. Many adults build their peer networks around their children, making them the focal point of conversations with other parents in similar situations. But as children grow older and eventually leave home, parents are forced to adjust to their dwindling social lives. While some adults thrive in meeting new people, many struggle to find ways to connect with their peers. Fortunately, there are apps for that. EASY FACEBOOK FOR SENIORS The mothership of social media can sometimes be more of a maze
than a way to connect with others. Facebook took notice of this and created a simplified version of the app specifically designed for those who want to avoid all the distractions. Ease of use makes the opportunity to connect with others who have similar interests simpler than ever. OURTIME Dating in your 50s can be tricky, especially when many singles are looking for specific
It’s a great way to find new people to share the golden years with.
SKYPE You don’t have to wait for the holidays for your next group gathering; Skype allows you the opportunity to have video chats with anyone who has a smartphone. Maybe your
conversation about the football game got cut short at church, or maybe you never finished your discussion at book club. Whatever the occasion, Skype gives you the option to connect with the
requirements in a partner. Some are seeking casual relationships, while others are looking for someone to grow old with. OurTime is a dating app that allows seniors to find partners with similar values, priorities, and passions.
people around you, even when you don’t feel like leaving the comfort of your house.
THE REAL COST OF ASSISTED LIVING HIDDEN FEES AND ADDED SERVICES
According to the U.S. Census Bureau, the population of seniors is growing. Projections indicate that 56 million seniors will inhabit the country by 2020 and 74 million by 2030. As the number of seniors increases, so does the need for senior living facilities. While you can still find plenty of traditional nursing homes, assisted living facilities have soared in popularity over the years. While this type of community has many benefits for seniors and their families, it can be difficult to parse exactly what you’ll be paying for. The pricing structure and contract details require careful consideration before you decide on an appropriate facility for your loved one.
services included in this cost, but as a rule, you can expect that any extra services will increase the price.
Add-ons for assisted living services can range from basic hygiene needs to medical costs. If your loved one needs help dressing, you can expect an additional fee. The same goes for medication reminders, escorts to meals, incontinence care, and many other services. On-site activities are usually folded into the base rate, but be sure of that before signing. Access to a gym, pool, or pharmacy, for example, may incur extra charges. One advantage of the pricing model of assisted living facilities is that you can add services at any time. Many care facilities house seniors of varying health and ability levels. In the event that your loved one needs more services, they are easy to add to your payment package. However, it’s important that you read the terms and conditions detailing any services you decide to include. Otherwise, you may end up paying for a service your loved one doesn’t need. The most important piece of advice when it comes to the hidden costs of assisted living is to read your contract thoroughly. You can also consult an estate planning or elder law attorney to ensure that you’re fully aware of all charges and possible future costs.
Prices for assisted living facilities vary significantly. Because they offer a slew of services, you need to be fully aware of what you’re paying for. The base price you are quoted will usually include rent, meals, and activities offered on the premises. Some companies may offer a few additional basic
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October is about the changing leaves, pumpkin-flavored everything, and, of course, postseason baseball. Nothing epitomizes the drama in October like a slugger stepping up to the plate in a pressure-filled situation and smashing one out of the park. The crowd roars as the player rounds the bases, fist pumping in the air. But raw emotion sometimes plays just as big a role in the stock market as it does on the baseball diamond. Investors love to be tantalized by a fast-rising stock in hopes of reaping big rewards. While it’s exciting in baseball, getting dazzled by the home runs in the market may be costing you big money. be taken away once it’s on the board. In stocks, that home run can turn into an “out” in a matter of minutes. Cryptocurrencies are a great example. Bitcoin impressed everyone with an astronomical rise late last year. Entire investment portfolios changed overnight to try to capitalize on this stock market slugger in December. By February of this year, the value had plummeted by 75 percent. In baseball, it’s common to overlook the player who frequently gets on base, never strikes out, and plays good defense. These guys aren’t stars, but they are crucial to every baseball team’s success. They’re consistent performers who come in every day and work hard. Your investment portfolio needs stocks that hit singles and perform consistently just as much as it needs the ones that smash it out of the park every time they step up to the plate. Even in baseball, this philosophy proves to be true. Out of the top 10 teams in home runs last season, only three of them made the postseason. Stocks are the same way. You can have a portfolio of home-run-hitting stocks that put up some solid numbers for a brief time, but when those stocks slump, it’s your “team” that takes the hit. Consistent performers over the long haul are just as crucial to developing a well-performing portfolio as they are to assembling a successful baseball team. Contact us today and let us show you how we can build you a portfolio to win it all. CONSISTENCY IS KEY IN YOUR PORTFOLIO The difference between a home run in stocks and a home run in baseball is that in baseball, the run can never SINGLES ARE MORE IMPORTANT THAN HOME RUNS
‘HEADLESS’ APPLES ON HORSEBACK
INGREDIENTS
• 16 very thin slices of pancetta (or cured, unsmoked bacon) • 2 pink lady apples • 3 ounces manchego cheese, 1/4 inch thick • Toothpicks for skewering
DIRECTIONS
1. Core apples and cut each into 8 wedges. Remove rind of manchego cheese and cut into 2-inch sticks. 2. Heat a grill pan or skillet to medium-high. 3. On a cutting board, lay pancetta or bacon slices flat and place an apple wedge and piece of cheese in the center of each. 4. Roll pancetta tightly and skewer with toothpick. 5. Grill until cheese is melted and pancetta or bacon is golden and crispy, about 5 minutes. 6. Drain excess grease on a paper towel and serve hot.
Inspired by Food & Wine magazine
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INSIDE THIS ISSUE
Hockey Is for Everyone PAGE 1
Turn Back Time With Social Media PAGE 2
Hidden Costs of Assisted Living PAGE 2
‘Headless’ Apples on Horseback PAGE 3
Is Your Portfolio Striking Out? PAGE 3
The Surprising Origins of Trick-or-Treating PAGE 4
WHY THERE ARE KIDS ON YOUR PORCH ASKING FOR CANDY
THE HISTORY OF TRICK-OR-TREATING
As Halloween looms and you load up your grocery cart with candy, you may ask yourself, “Why do I provide these spooky gremlins with a sugar high every Oct. 31, anyway?” Well, when your doorbell starts ringing around 6 p.m. this All Hallows’ Eve, you can thank the Celts for this tradition of candy and costumes. Halloween itself is a kind of mishmash of four different cultural festivals of old: two Roman fêtes, which commemorated the dead and the goddess of fruit and trees (not at the same time); the Celtic Samuin or Samhain, a new year’s party
thrown at the end of our summer; and the Catholic All Saint’s Day, designed to replace Samuin and divorce it from its pagan origins. Long before there were young’uns on your porch dressed as Thanos with candy-filled pillowcases in hand, the Celts believed that Samuin marked an overlapping of the realms of the living and the dead. To trick the spirits leaking into our world, young men donned flowing white costumes and black masks — a great disguise when ghosts were about.
The Catholic Church was never a big fan of these pagan traditions, so they renamed it “All Saints’ Day” and gussied it up in religious garb. By the 11th century, people were dressing up as saints, angels, and the occasional demon instead of spirits. Eventually, costumed children started tearing through town begging for food and money and singing a song or prayer in return — a practice called “souling.” But when did they start dressing up as Minions? Starting in the 19th century, souling turned to “guising,” which gave way to trick-or-treating in mid-20th- century America, and the costumes diversified. So put on some clown makeup and a big smile, scoop up a handful of sweets, and scare the living daylights out of ‘em — ‘tis the season!
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