monthly “You are not alone.”
August 2019
FROM THE DESK OF
Paul Stano
HOW TO GET EVERYTHING YOU WANT AFTER RETIREMENT
Have you seen the research that says the earlier you retire, the longer you’ll live? Researchers found that seven years of retirement can be as good for health as reducing the chance of getting a serious disease (like diabetes or heart conditions) by 20%. But retiring early also means dipping into your retirement savings and that feels risky. So, you’re stuck between a rock and a hard place.
I see this with my clients all the time.
They have any or all of these three goals:
1. To take care of each other 2. To leave something to their kids 3. To live comfortably
SUMMER LOVIN’ 6SummerRom-ComsfortheAges
Until recently, it was difficult to do all three unless you had millions of dollars.
But not today.
One of the best cures for a rainy day in the height of summer is a romantic comedy filled with sunshine, sand, and sappy looks. Here’s the litmus test: If everyone has perfect tans, the ocean is in sight, someone flies off to Europe, or any combination of the three, then it’s the one to cure your cloudy mood. The more tropes and cliches, the better. Just grab a big bowl of popcorn, choose one of the movies below, and settle in. ‘SUMMER CATCH’ Starring Freddie Prinze Jr. and Jessica Biel, this 2001 romp is the classic story of “rich girl meets poor boy.” Prinze plays a minor league baseball player who has sworn off women, but one look at Biel’s character, Tenley, changes his mind. Their first kiss happens within 24 hours, and, though baseball threatens to drive them apart, the film wraps up with a classic rom-com airport scene. It’s perfection. ‘MAMMA MIA’ Set on a gorgeous Greek island, this rom-com/musical checks every box on the rainy day litmus test. Designed around a soundtrack of songs from Swedish rock group ABBA, “Mamma Mia” spins the tale of Donna, played by the incomparable Meryl Streep; her daughter, Sophie, played by Amanda Seyfried; and their incorrigible gang of gal pals letting loose on the island for Sophie’s wedding. When Sophie secretly invites three of Donna’s old flames to the
One of the things I’m really excited about (and have in place for myself) is a little-known leveraged financial solution that blows long-term care insurance out of the water. I cover all of that in my FREE monthly seminars — and I invite you to attend and learn more about this and other options, too.
Call today and register: ( 440) 888-6448 or visit StanoSeminars.com
–Paul
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ceremony with the hope of figuring out which one is her father, things get out of control in a hilarious way.
amnesia wipes Lucy’s memory each day, forcing Henry to win her over again and again. Thanks to the Hawaiian setting, there are plenty of beach scenes to go around.
‘SUMMER SCHOOL’ You’ve never seen Mark Harmon of “NCIS” fame look quite like this. Circa 1987, Harmon plays a handsome yet lazy gym teacher whose plans for a summer in Hawaii are cancelled when he’s forced to teach an unruly group of teens remedial English. When he takes his class on one too many field trips and falls for the history teacher, played by Kirstie Alley, his boss issues an ultimatum: Get all of the teens to pass the big test or get fired. ‘THE SISTERHOOD OF THE TRAVELING PANTS’ This is less a single chick flick and more a series of them crammed onto one disc (assuming you still use DVDs). In this movie, a group of four high school friends who are being forced to split up for the summer bond through a pair of magical jeans that fits all of them perfectly. In their disparate corners and countries, each of the four — played by Hollywood darlings Blake Lively, America Ferrera, Alexis Bledel, and Amber Tamblyn — finds love and learns a bit about herself. ‘50 FIRST DATES’ It’s always summer on the island of Oahu, where “50 First Dates” is set, even when it’s technically October. In this alternately sad and heartwarming film, Henry, played by Adam Sandler, and Lucy, played by Drew Barrymore, fall in love despite the fact that car accident-induced
‘THE PARENT TRAP’
Before Lindsey Lohan took over the tabloids, she was the adorable freckle-faced redhead who played a set of twins in “The Parent Trap.” Separated at birth by parents who split up, Annie and Hallie meet at summer camp and come up with the brilliant idea to swap plane tickets
home. Hilarity ensues as the two girls struggle to live each other’s lives and banish evil stepmother Meredith to get their parents back together. With its unforgettable soundtrack, this timeless rom-com will hold a place in your heart for years to come.
RING, RING —IT’S A ROBOT What You Can Do to Protect Yourself From Phone Scams and Robocalls
Two of the most common scams are phone scams and robocalls. These calls are incredibly annoying and can trick you out of valuable information if you’re not careful. While it might seem like these scams are inescapable, there are some precautions you can take to avoid their traps. GIVE THEMTHE SILENT TREATMENT. One thing you can do to avoid these fraudulent, time-wasting calls is to simply hang up. If possible, it is best to not answer at all. It’s always good to have a list of numbers you can reference, so you never have to guess who is calling. Think of it as going one step beyond caller ID. In some cases, answering and then hanging up can actually do more harm than good. Answering the phone gives the scammers confirmation that the number works and that they should try again. Once your number is confirmed as active, it often gets put on an“active number”list that can then be sold to other scammers who market in these types of phone numbers. If you can’t verify who is calling without picking up, don’t answer. Let it go to voicemail. If it’s important, the person will leave a legitimate message and you can respond afterward.
PUT UP SOME DETERRENTS. You can even go a step further and block the calls. Many phone service providers offer call-blocking options, including AT&T, Sprint, T-Mobile, and Verizon. You can sign up for this service in-store or on your service provider’s website. Each service costs about $4 per month. There are also a number of call-blocking apps available on Android and Apple devices, but if you subscribe to a blocking service through your phone provider, these apps are unnecessary. Finally, you can sign up for the Federal Trade Commission’s“Do Not Call” program (DoNotCall.gov). While the Do Not Call program can help cut back on calls, this list is largely ignored by scammers. If you’re getting a ridiculous number of robocalls every day, signing up can offer you some brief respite. Thankfully, Congress is already attempting to fix this problem by making it harder for scammers to call you. But until they are able to pass tough, effective legislation, it is up to us as consumers to remain vigilant and do what we can to keep our personal and financial data safe and secure.
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The Best Meal of the Day
3 WAYS TO MAKE YOUR NEXT BREAKFAST YOUR BEST BREAKFAST!
Breakfast is the meal that fuels your brain and body for the day ahead, so why not make it the best meal of the day? There are simple tweaks that can make your home-cooked breakfast the best breakfast you’ve ever had. Put away the cereal and bust out the skillet because things are about to get truly delicious. Read on!
tray. Start by heating your oven to 350 F. While it heats, line the tray with foil, insert the rack, and lay the bacon over the rack. Cook the bacon for about 15 minutes. Keep an eye on it after about the 10-minute mark to check for your ideal doneness. If you want meatier bacon, take it out just as it starts to brown evenly. If you want crispy bacon, give it a few more minutes. Using this method, the bacon is perfectly cooked, and you have no grease splatters to clean up!
THE SILKIEST SCRAMBLED EGGS
There are many methods for achieving great scrambled eggs, but how does one create the best eggs? The secret is air. In the words of Bob Ross, you have to “beat the devil out of ’em.” Start by cracking a few eggs into a bowl (and add a pinch of salt and pepper, if desired). With a whisk, beat them until smooth. The eggs should start to look light and airy. Then, pour the eggs into a skillet set to medium-low heat . Continue to whisk for a few more seconds. Then, with a spatula, turn the eggs as they begin to curdle. They are done the instant no runny liquid remains. Quickly remove them from heat when they look just underdone and still moist.
THE FLUFFIEST PANCAKES
Say goodbye to packaged pancake mix, because if you want the best results, you need to start from scratch. The recipe you’ll want to use comes from The Kitchn. The recipe is Lofty Buttermilk Pancakes. Take care to note that the yolks and whites of the eggs are incorporated separately into the batter; the result is an incredibly fluffy pancake. Here’s another secret: This
method of separating the yolk and whites can be applied to almost any pancake recipe. Just be sure to follow the Lofty Buttermilk Pancake recipe method for consistent results.
THE CRISPIEST BACON
Cooking bacon can be a messy chore with a lot of cleanup. If you want to avoid this — and still end up with delicious bacon — start cooking bacon in the oven. All you need is a baking tray and a wire rack that fits in the
Take a Break!
SUMMERTIME GAZPACHO
Inspired by CookieAndKate.com
Ingredients
•
2 1/2 lbs ripe tomatoes; cored, seeded, and cut into 1-inch chunks 1 small cucumber; peeled, seeded, and cut into 1-inch chunks 1 red bell pepper; cored, seeded, and sliced into ribbons
•
1 small Vidalia onion, peeled and cubed
• • • • •
1/4 cup basil leaves 1 clove garlic, peeled
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1/4 cup extra-virgin olive oil
2 tbsp sherry vinegar
•
Salt and freshly ground black pepper, to taste
Directions
1. Place a blender andmediummixing bowl on your workstation. 2. Divide the tomato chunks, cucumber pieces, and bell pepper slices evenly between blender and bowl. Place entire onion in blender. 3. Add basil, garlic, olive oil, vinegar, salt, and pepper to blender. Blend on low, gradually raising speed to high until smooth, about 2 minutes. 4. Add blender contents to bowl andmix until just broken up, about 10–20 seconds. 5. Let mixture sit in fridge for a minimumof 2 hours. Transfer to bowls and serve.
AUGUST BACK TO SCHOOL BACKPACK BUS
DOGDAYS FIRST DAY HISTORY HOMEWORK
MATH READING SUPPLIES TEACHER
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INSIDE THIS ISSUE From the Desk of Paul Stano PAGE 1 6 Summer Rom-Coms for the Ages PAGE 1 How to Best Protect Yourself From Scam Calls PAGE 2 3 Ways to Make Your Next Breakfast Your Best Breakfast! PAGE 3 Take a Break PAGE 3 Summertime Gazpacho PAGE 3 Physical Therapy Is for More Than Injuries PAGE 4
BEYONDTHE BREAK
Physical Therapy Helps With Stroke Recovery, Parkinson’s, and More In TV dramas, physical therapists often urge the hero back into action. Usually, their patient has suffered some dramatic injury, like breaking every bone in the right side of their body or losing a leg to a rampaging horse. And while many physical therapists do specialize in helping athletes recover from injuries, applications for the practice go well beyond that stereotype. People battling the aftereffects of a stroke or suffering from long-term ailments like Parkinson’s disease can also benefit from regular physical therapy sessions. In fact, the National Stroke Association lists a physical therapist as a vital member of any stroke recovery team, placing them alongside experts like dietitians, psychiatrists, neurologists, and speech- language pathologists. In those cases, physical therapists are on hand to help stroke survivors with movement and balance issues and to recommend exercises that rebuild strong muscles for walking, standing, and other everyday activities. Parkinson’s disease afflicts the central nervous system and makes movement difficult, and its symptoms can also be mitigated by physical therapy. Denise Padilla-Davidson, a Johns Hopkins physical therapist
who treats people with Parkinson’s, recommends PT to her patients for improving their balance, strength, and flexibility. Specifically, bike or elliptical exercises can help those with Parkinson’s remaster reciprocal patterns (movements from side to side or left to right). There’s also a form of therapy called LSVT BIG, which involves performing exaggerated physical movements, and it can help those with the disease stave off hypokinesia, which is the decrease of movement that becomes more severe as Parkinson’s progresses. Similar physical therapy programs can be adapted for those with other chronic diseases, like multiple sclerosis or Lou Gehrig’s disease, by slowing the disease’s progress and making the people who have them more capable and comfortable. Of course, treatments vary on a case-to- case basis, so be sure to consult your doctor before starting PT.
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