Lake Region Reader March 2019

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Winthrop wins Class C South regional final Lake Region Reader

INDEX Funny Things Kids Say............. 2 Movie Review........................ 4 John McDonald.................... 7 Classifieds........................... 12

FEATURE ARTICLES It’s time to consider end of life planning for Windows 7........... 4 Dental care for the newborn child...................................... 5 Host a sports viewing party to remember.............................. 7 5 smart ways to spend your tax return............................ 10 Reporting the meaning of H.O.P.E. ........................... 11 March is ‘National Nutrition Month’................................ 11 Tracking your fitness goals over the long term....................... 14 Your 401(K).......................... 15 Alabama gulf coast............... 16

Delivery Farm Shares! Get your affordable share before the season begins. May - January Michelle Rooney photo Winthrop’s Cameron Wood goes for a layup in the Class C South championship game held at the Augusta Civic Center Saturday, February 23. Winthrop rolled to a 61-41 after losing to Hall Dale in regular reason play.

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LAKE REGION READER

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March 8, 2019

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Funny things kids say!

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My young son came in from playing outdoors. He happily announced that the neighbors got a brand new car. “What kind of car did they get?” we asked him. “They have a Jesus car,” he replied. It took the family a few minutes to figure out that our neighbors had bought a

Chrysler. – Charlotte Bassett of Hallowell. This conversation took place between my four-yearold grandson and me when I tried to help him with his new pre-school workbook: ME: Circle the pictures that rhyme. That means they

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sound the same. Like log, tree, frog. Which two sound alike? EAMON: Logs and trees don’t have sounds and frogs say ribbit. ME: draw a line to the pictures that rhyme. Here’s a ring and a king. EAMON: The Priness always gets the ring. ME: How about the cake? Do you think it goes with the rake? EAMON: No, it goes with the ant. They eat the cake at picnics. ME: Mouse and house? EAMON: No, houses don’t make sounds, Grandma. ME: Well, that was fun. Let’s put a star on it. – Norma Warden of Auburn.

We told our then six-yearsold grandson that we were going smelting. He had a funny look on his face and asked, “Mimi, why would you want to smell fish?” – Diane Ouellette of Monmouth. My four-year-old greatgrandson said, “Meme, I have a new teacher in my class.” I asked, “Is she the one with the long hair?” He replied, “No, Meme. She has short hair and it stays on her head.” – Sandy Reynolds of Vassalboro. When my youngest grandson was five years old, he went to the communion

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table with his parents. He knew his pastor and knew his name was Linwood. After finishing his bread and then grape juice, he gave a gentle tug on the pastor’s robe. The pastor said hello to him and my grandson said, “Linwood, could I please have some more juice in a bigger cup?” Needless to say, the quiet church had many giggles and smiles! – Smiling Gramma, Charlotte Underwood of

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Farmington. My granddaughter Rachael, two-and-a-half years old, who is usually well behaved, was having an “off” day. Her mother told her that she was tired of telling Rachael what to do. Rachael’s response was, “Well, why don’t you take a nap?!” – Jane Johnson of Auburn

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LAKE REGION READER

March 8, 2019

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RECOGNITION

Area Scouts work toward, receive Eagle Scout recognition

Local Scouts perform more than 6,000 hours of service on road to Eagle Scout AUGUSTA — The Kennebec Valley District finished 2018 with 36 Scouts attaining the highest rank in Boy Scouting — the Eagle Scout. The Scouting district covers five counties (Kennebec, Lincoln, Knox, Franklin and Somerset) sweeping from the Canadian border to the rocky coast. In 2018, there were 141 Eagles from the State of Maine and 52,160 young men across the nation earned Scouting’s lofty award. If all of those Class of 2018 Eagle Scouts wanted to gather to watch the Red Sox at Fenway Park, they would fill up all of the 37,731 seats and spill out onto Yawkey Way. Locally, churches and charities from Jackman to Camden and Wilton to Albion saw Scouts providing more than 6,000 hours of service just through projects led by teenagers hoping to earn their Eagle Scout rank. “This is absolutely amazing,” said Kennebec Valley District Chairman

Submitted photos Brian Hayes stands with his father, Daniel Hayes, of Farmington. Brian organized a clean up for three-mile stretch of Sandy River to mitigate hazards and pollution to benefit environment, fishermen and recreational boat owners. Participants removed many tires, including massive tractor tires and small ATV tires, bags of debris filled with harmful plastics, etc., after securing permissions from the Town of Farmington, State of Maine Department of Inland Fish and Wildlife, and 23 landowners affected.

Peter Logiodice of Pittsfield receiving the praise of the Maine Legislature from State Rep Scott Strom during his Eagle ceremony last summer. Peter’s project was building a wheelchair ramp for a church in Pittsfield. He ended up building stairs and a new deck.

Bruce Rueger of Wateville. “When you think of all the good our Scouts are doing in the community — building handicap ramps, restoring forgotten veterans grave markers, making life easier for seniors and the needy, and building trails — I am truly impressed. It really is heartening, in this day and age, to see a program where young people are taught they have a responsibility to help other people at all times. I am so proud of our Scouts.” The fact that a boy is an Eagle Scout has always carried with it a special significance. The award

of the Eagle Scout service project is to demonstrate hone, learn and develop leadership skills. Related to this are important lessons in project management and taking responsibility for a significant accomplishment. Maine Scouts, by county, who have attained Eagle Scout designation:

is a performance-based achievement, whose standards have been well-maintained over the years. Not every boy who joins Scouts, BSA earns the Eagle Scout rank. This represents more than 2.25 million Boy Scouts, who have attained the rank since 1912. While a Life Scout, a Scout plans, develops and gives leadership to others in a service project helpful to any religious institution, school or the community. In addition to providing service and fulfilling the part of the Scout Oath, “to help other people at all times,” one of the primary purposes

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• M athew Dow, Jr of Albion - Albion Troop 446 – 26 Hours of Service restoring the Albion Historical Society train for educational purposes • Alexander Steward of Augusta - China Troop 479 - 202 hours of service building an outdoor classroom at Lincoln Elementary School in Augusta • M atthew Allarie of Sidney - Sidney Troop 401 - 45 hours of service building a trophy case for the high school music department • N icholas Shelton of Winslow - China Troop 479 - 98 hours of service at Waterville Creates building pottery studio shelves • J axon Roan of Oakland - Waterville Troop 417 - 358 hours of service building and installing cat climbing and exercise structures at PALS no kill animal shelter. • M averick Lowery of Vassalboro - Vassalboro Troop 410 - 208 hours of service building and

improving trails at the Annie Sturgis Sanctuary including installing bridges where needed L ogan Cummins of Monmouth - Winthrop/Monmouth Troop 604 - 971 hours of service at Camp Mechuwana in Winthrop installing a new sign including brick foundation and solar lights. L iam Patrick Rodrigue of Litchfield - Litchfield Troop 698 - 140 hours of service building a U.S. flag retirement fire pit area for the American Legion Post 181 in Litchfield M ichael Littlefield of China - China Troop 479 - 50 hours of service building shelves for the China Food Bank I saac Dearborn of West Gardiner - West Gardiner Troop 613 - 137 hours of service constructing an information kiosk at the new West Gardiner boat launch.

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March 8, 2019

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FEATURED ARTICLE FROM THE EXPERTS

It’s time to consider end of life planning for Windows 7

By Maine Technology Group It is often the case when it comes to computers that some looming date is hanging over our heads. This can take the form of a subscription, or in Microsoft’s case the End of Life. One of these dates that we need to pay attention to is Jan. 14, 2020. Why is this date important? Well the answer is this is when Windows 7 goes EOL. The next question will then be what does EOL mean? The answer is simple: Micro-

soft will no longer support that version of the operating system. This means no more updates or patches. Your machine will continue to run the way it has, however this becomes a security concern because Microsoft is not fixing any newly discovered holes in the OS. The good news is you still have time to plan and work toward fixing this issue: 1. Upgrade — This is only possible if your

machine is capable of doing so. You can search for the system requirements to check. 2. Replace — Planning ahead and identifying what machines need to be changed out should be done before the change, so a budget and timetable can be created. 3. Accept — Not recommended, because this would require you to maintain the security of these machines and the OS by yourself or

ignore and hope for the best. Either way, it is better to plan and prepare and be proactive than to let time pass and have to react because of a compromise. Maine Technology Group specializes in a wide range of services, including tailored IT services and solutions for small and medium businesses and their owners in New England. Contact them at www. mainetechgroup. com.

MOVIE REVIEW

‘Cold Pursuit’ fun if you have patience (Summit Entertainment)

Lucas Allen

In the 10 years since “Taken,� Liam Neeson’s pedigree as this decade’s aging action star remains unmatched. Now he’s doing something different with his persona by starring in a black comedy with some killer action,

“Cold Pursuit.� Director Hans Peter Moland remakes his 2014 Norwegian film “In Order of Disappearance,� with Stellan Skarsgard and Americanizes every aspect of it. In the small town of Kehoe, Colorado, outside of Denver, Nels Coxman (Neeson), hap-

pily married to his wife, Grace (Laura Dern), is a well-known snow plow driver with great respect from the townsfolk. He finds out his son Kyle (Michael Richardson) died of a heroin overdose, though he doesn’t believe his son’s a junkie. As his wife grieves, he

tries to find answers to his son’s death with the help of his ex-criminal brother Ryan (Nicholas Holmes). He discovers that his son was mixed up in a group of drug traffickers led by the psychotic Viking (Tom Bateman). Nels then exacts his revenge by murdering the group’s henchmen one

by one by his own means before dumping each of them in a gorge. Soon enough, his acts end up starting a turf war between Viking’s group and White Bull’s (Tom Jackson) gang from the Denver side. The small

Cold

gPage 13

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LAKE REGION READER

March 8, 2019

Scouts Page 3

• J ack DiGirolamo of Belgrade - Troop 401 Sidney - 93 hours of service building mountain bike bridges for Quarry Road Trails in Waterville • L ucas Eric Lenfest of Smithfield - Troop 453 in Belgrade - 176 hours of service constructing a Veterans Memorial in front of the Smithfield Town office including walkway and granite bench. • N oak Keene of Gardiner - Troop 672 in Gardiner - 101 hours of service upgrading and adding on to the snack shack at the high school soccer field. • Tieran Croft of Sidney - Waterville Troop 417 - 162 hours of service building eight benches for the town of Oakland. • N ivek Boostedt of China - China Troop 479 - 132 hours of service building an outdoor classroom for the China School Forest. • Travis Nadeau of Litchfield - Litchfield Troop 698 - 115 hours of service building a shed to serve as shelter for donated bottles to local charities. • Adam DeWitt of Sidney

Page 5

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- Troop 401 in Sidney - 270 hours of service putting on and promoting a benefit concert to raise awareness for Travis Mills Foundation. Joshua Robert Hoffman of Augusta - Troop 603 in Augusta - 132 hours of service building a small playground at St Michael Roman Catholic School Dawson Poulin of Sidney - Troop 401 in Sidney - 568 hours of service building helmet and baseball bat racks for the Sidney Athletic Association and then rebuilding them after vandals destroyed them a day after they were installed Kai McGlauflin of Sidney - Sidney Troop 401 - 114 hours of service building an awards cabinet and work bench for the Messalonskee High School and Middle School Robotics Teams Tucker Leonard of Palermo - Troop 479 in China - 112 hours of service constructing an outdoor classroom at the Palermo Consolidated School. Eric McDonnell of Augusta - Troop 603 Augusta- 177 hours of service building three benches and picnic table for the Kennebec River

Rail Trail for Augusta. • T ravis John Nickerson of Augusta - Troop 606 in Farmingdale - 81 hours of service gathering items and raising awareness in the community to help those who need help through the Bridging the Gap Center for Resources, Essentials Pantry & Clothing Bank in Augusta. In total, 1,218 items were collected for those in need of essential items. Somerset County: • N athan Bloom of Skowhegan - Skowhegan Troop 431 - 97 hours of service collecting photos and uploading them to help make it easier for those looking for loved ones or working on genealogy. • L ucas Eric Lenfest of Smithfield - Troop 453 in Belgrade - 176 hours of service constructing a Veterans Memorial in front of the Smithfield Town office, including walkway and granite bench. • Austin Wright of Madison - Troop 481 serving Madison/Anson/ Starks - 78 hours of service to demolish and old ramp and build a sturdy handicap accessible ramp at

the fire station • J ackson Dudley of Fairfield - Skowhegan Troop 431 - 80 hours building three new picnic tables at Mill Island Park from materials he solicited in the community. • Peter P. Logiodice V of Pittsfield - Troop 428 in Pittsfield - 267 hours of service building wheel chair ramp for a church in Pittsfield. • Parker Jeffrey Desjardins of Jackman - Troop 497 in Jackman - 153 hours of service building new trophy case and banner for the Forest Hills School • Hunter Edwin William Cuddy of Jackman Troop 497 in Jackman - 161 hours of service making major improvements to the Forest Hills School nature trail including adding benches, plant and tree identification signs and viewing areas. Franklin County: • B enjamin Butterfield of Phillips - Strong Troop 500 - 130 hours of service cleaning and restoring 66 historic gravestones including those belonging to veterans and logged them into findagrave.com

Submitted photo Jaxon Roan of Oakland received his Eagle badge from his mother, Chelsea Roan, during his Court of Honor ceremony last November. Jaxon is a member of Waterville Troop 417. • J ohn Knapp of Farmington - Troop 546 in Farmington 142 hours improving Titcomb Mountain trail signs • H unter Hutchins of Wilton - Troop 518 in Wilton - 176 hours of service building a set of steps and deck and painting three car garage at Kineowatha Park in Wilton • B rian Hayes of Farmington - Troop 594 Farmington - 118 hours of service Knox County: • J ohn Owen Edward Weber of Union - Camden Troop 200 - 52 hours building composting bins for the middle school to

help reduce waste and provide compost for the school • Samuel Dallas Hebert of Rockport and Thomaston - Camden Troop 200 - 150 hours of service providing significant improvements at the Marge Jones Recreational Facility in Rockport, including the fundraising for and installation of a new entrance sign, electronic scoreboard and dugout improvements • Jon Heath of Camden Camden Troop 200 - 112 hours of service constructing signs for a new multi-use trail at the high school including a large trail entrance sign and trail marker signs

FEATURED ARTICLE FROM THE EXPERTS

Dental care for the newborn child

By Joe Dumont, D.D.S. Smile Solutions of Maine

Taking care of a child is a difficult task, and taking care of their oral health is no different. Starting good habits at an early age is important to ensure

your child has good oral hygiene habits once their teeth start erupting. Baby teeth, as well as permanent teeth, are developing during pregnancy, and their first baby tooth should erupt at about six to12 months of age.

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LAKE REGION READER

Page 6

March 8, 2019

www.centralmainetoday.com

FROM THE PAST

Vintage photos of towns in central Maine program set for March 16

READFIELD — Selections of vintage photos from Eastern Illustrating and Publishing Company will be shown at 1 p.m. Saturday, March 16, presented by Kevin Johnson, photo archivist for the Penobscot Marine Museum in Searsport. Johnson will tell the story of the EIPC and present a slideshow of historical views of Readfield in addition to the neighboring towns of Winthrop, Wayne, Fayette, Mt. Vernon, Vienna, Belgrade and Manchester.

According to Johnson, the EIPC was founded in 1909 in Belfast by Rudolph Herman Cassens. He photographed small towns and rural areas from Maine to New York, producing “real photo� postcards that were used for promoting tourism. Cassens’ company produced over 50,000 glass plate negatives between 1909 and 1947 including some of businesses, houses, local landmarks and lakeside scenes in Readfield and the immediate area. Viewers will be taken back

in time to when the roads were not yet paved, horse drawn carriages outnumbered cars, lakesides were less developed and elms lined the streets. The program will be hosted by Readfield Historical Society and will follow their brief annual meeting. It will be held at Asa Gile Hall, 8 Old Kents Hill Road. Refreshments will be served. There is no fee, donations are welcome. For more information, contact readfieldhistorical@gmail. com or 377-2299.

Submitted photo Main Street in Readfield is just one of many photos that will be seen publicly for the first time at the March 16 society meeting.

ENTERTAINMENT NEWS

Theater at Monmouth celebrates 50 years with ‘What Dreams May Come Season’ MONMOUTH — The Theater at Monmouth this summer celebrates 50 years with its “What Dreams May Come Season,� with shows beginning June 22 and running into the fall. The 2019 summer repertory includes Shakespeare’s “Merry Wives of Windsor,� directed by Catherine Weidner and “Hamlet,� directed by Dawn McAndrews; Joe Kinosian and Kellen

Blair’s “Murder for Two,� directed by Adam P. Blais; Ken Ludwig’s “Baskerville: A Sherlock Holmes Mystery,� directed by Matthew Arbour; and Lynn Nottage’s “Intimate Apparel,� directed by Josiah Davis. The family show for 2019 is “The Jungle Book,� adapted by Greg Banks and directed by McAndrews. The summer season opens June 22 with “Mur-

der for Two,� and the family show, which is produced all summer, opens June 29. The fall show, which opens Sept. 13, is Jane Austen’s “Sense and Sensibility,� adapted and directed by McAndrews. “It’s been my personal mission to foster a more diverse, more inclusive, more welcoming environment for audiences and artists alike,� saod producing artistic director McAn-

drews in a news release announcing the shows. “To educate young minds, engage patrons with new and differing points of view, and to program seasons that represent a range of perspectives, beliefs, and circumstances.� Performances are in Cumston Hall, a 250-seat Victorian opera house designed by Harry Cochrane. Since its founding, the theater has rehearsed and per-

formed in rotating repertory, inviting audiences to see the actors in different roles in different shows in one weekend. Each of 2019’s productions features artists “from away� and “made in Maine,� as well as both newcomers and TAM favorites, including Mark S. Cartier, James Noel Hoban and Bill Van Horn. The theater offers special rates or subscriptions for

seniors, groups, those under 30 and educators. For information and a detailed schedule, visit www.theateratmonmouth.org or call the box office at 207-9339999. Finde the theater on Facebook at www.facebook.com/TAMonmouth, follow on Twitter at http:// twitter.com/TAMonmouth, and view photos on Flickr at https://www.flickr.com/ theateratmonmouth.

HEALTH NEWS

Billings accepting new patients in Farmington office

FARMINGTON — Kennebec Behavioral Health has announced that Layla Billings, PMHNP�BC is now accepting new pa-

tients in their Farmington office. Billings has been with the agency for three years, working primarily out of the Winthrop-based

practice. She sees adult patients only and is currently in Farmington on Tuesdays, Thursdays and Fridays with availability for new patients.

Farmington office hours are Monday, Tuesday, Thursday and Friday from 7:15 a.m. to 5 p.m. Kennebec Behavioral

Health was founded in 1960 and also operates clinics in Waterville, Skowhegan, Winthrop and Augusta. For more information, or to

schedule an appointment for any KBH service, call 1�888�322�2136. Information can also be found at www.kbhmaine.org.

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Spring & Summer SPECTACULAR

Host a sports viewing party to remember Amateur and professional athletics are both big business. According to Forbes, the Southeastern Conference, a collective of universities that includes the University of Alabama and the University of Georgia, generated $375 million in television money alone in 2015, collecting another $140 million from football and basketball postseason play. While that’s a hefty chunk of change, and even more impressive when considering the SEC is just one of many conferences in college athletics, it pales considerably in comparison to the National Football League, which Forbes projected would surpass $13.3 billion in total revenues in 2016. Such figures highlight the popularity of both amateur and professional sports. Hundreds of millions of people across the globe enjoy sports, and many are fond of gathering with fellow fans to watch their favorite teams play, whether inperson or on television.

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Viewing parties are a great way to watch the big game with fellow fans, and such gatherings don’t have to require all that much effort on the part of hosts. · Make it a potluck affair. Potluck affairs make perfect sense for sports viewing parties, so don’t be surprised if guests offer to whip up some homemade guacamole or a buffet-style dish for the big party. Encourage this, asking guests to share what they’re bringing with other invitees so there are no duplicate offerings. · Vary the food and beverage menu. Chicken wings and beer might seem like go-to foods and beverages for the big game, but even sports bars are increasingly recognizing sports fans’ desire for healthy foods. It’s still acceptable to serve staples like wings, nachos, chips, and pretzels, but try to provide some healthy fare like celery and salad as well. Even whole-grain pretzels might be more enticing to guests watching what they eat. In addition, provide alternatives to alcohol, such as water, soda and juice, for guests who are abstaining.

ALL SEASON

· Upgrade your television. Projection screens are goto options for many avid sports fans, But projectors and screens may stretch some sports fans’ budgets. A 4K ultra-HD television can be an affordable option depending on the size of the television, and such devices provide incredibly crisp pictures that can make sports fans feel as though they’re inside the stadium cheering on their favorite players. · Purchase a sound system. Today’s televisions are sleek and thin. While that saves space and provides more aesthetic appeal than the bulky televisions of yesteryear, thin designs leave little room for sound tech. As a result, it can be hard to hear what’s going on in the game without a sound system. Sound systems are relatively inexpensive; just make sure to purchase one that is compatible with your television. Sports viewing parties tend to be easygoing affairs that don’t require the level of planning of more formal gatherings.

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FEATURE COLUMN

Here’s the story: A life changer for Perly Leighton John McDonald

It was the dawn of a day that would change his life forever, but as the sun began coming over the stand of pine that lined his lower pasture, he was not yet aware of it. It would be the last time the sun was seen that day; soon the skies would cloud over, and it would begin to snow, then rain, then go back to snow, then change to freezing rain and back to snow. Perly Leighton awoke like always that March

morning and began his daily ritual — put out the cat; put on the coffee; loaded up the parlor stove; fired up the Queen Atlantic in the kitchen; and read his thermometer by kitchen window, the barometer by the bathroom and the precipitation gauge on the deck, entering all their numbers in his well-worn journal. Perly had been keeping track of those numbers for over 40 years and still couldn’t think of one good reason for it. He knew from history that both Thomas Jefferson and Ben Franklin had kept such records throughout their lives and that was fine, but at this point in his life, Perly didn’t think that — for him

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— it was a good enough reason any more. As the weather went from one form of precipitation to another, Perly looked out his kitchen window, across his barren field and knew he was in for one of those March days that push us Mainers right to the edge and almost over it — those days that make us think seriously of living somewhere farther south. After a breakfast of oatmeal and reheated beans, Perly made himself some tea and sat in the rocker by the kitchen stove to drink it and think of something useful he could be doing that day. He tried to put the present weather conditions out of his mind and

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thought instead about the garden he’d been planning to put in this spring. Every year around this time he planned his garden. On this morning he hoped this would finally be the year that the garden he planned in February would, in some way, resemble the garden he planted come Memorial Day weekend. He knew he wanted his peas planted first, but he couldn’t decide if he should plant them early and take his chances with an early May frost or wait till the end of May like the pea-planting traditionalists. He’d always been among the Memorial Day weekend pea-planters in town and over the years had even

been known to ridicule the early-birds of pea-planting society down at the store. On this particular March morning, Perly was feeling more contrary than normal and felt like doing something completely different. Still, it wouldn’t be the timing of his pea-planting that he’d scratch that itch with. Around this time, out of the blue, Perly’s phone rang. The sudden sound of its sharp ring nearly gave him a coronary since Perly wasn’t used to getting calls at such an early hour. In fact, he wasn’t used to getting calls at any hour. His friends knew Perly preferred talking in person and only kept the phone around

for emergencies. On the other end of the line was Wallace Watts, who wanted to talk to Perly about town business. After almost an hour of cajoling, Wallace managed to convince Perly to do something that would — for good and ill — change his life forever. Perly had agreed to run for Second Selectman at the town meeting in March. John McDonald is a storyteller and the author of five regional bestsellers – including “A Moose and a Lobster Walk into a Bar” and “The Maine Dictionary.” Contact him at 207240-8324 / maineauthorjohn.mcdonald@yahoo. com.

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LEARNING

Land trust releases its 2019 lecture series schedule

WAYNE — The Kennebec Land Trust has announced the dates and speakers for its 17th annual Lyceum lecture series. This year’s program is all about Maine’s Insects: Ecology and Conservation. KLT’s popular annual March lecture series is modeled after the early New England lyceums that began in 1826 in Massachusetts. For many years New England lyceums hosted lectures, debates, and concerts for public audiences. The Trust’s Lyceum is supported by Gloria and Lincoln Ladd. This year’s series is sponsored by the Maine Entomological Society. All three March programs are free and open to the public and are held at the Ladd Recreation Center in Wayne.

Maine Aquatic Insects: Ecology, habitats, & conservation Thursday, March 14, 7 to 8:30 p.m. Dr. Hamish Grieg, University of Maine, will speak about the ecology and diversity of aquatic insects; new insights into the insects of Maine’s lesser known fresh wa-

ters; and insect conservation and use as bio-indicators of water quality.

Terrestrial Insects: Conservation, ecology, & threats Thursday, March 21, 7 to 8:30 p.m. Charlene Donahue, retired state entomologist and president of the Maine Entomological Society, will give an overview of the value of insects, speak about the decline of insects, and share tips on how we can reduce human impact.

Interactions Among Plants & Insects: The Complex Web They Weave Thursday, March 28, 7 to 8:30 p.m. Roger Rittmaster, Maine Master Naturalist, will speak about the co-evolution and diversity of plants and insects

in Maine, plant and insect interactions, and the importance of native species in maintaining a healthy ecosystem.

2019 Spring Lyceum Insect Programs Thursday, May 9, 2019 Location: Reynolds Forest, Sidney David Courtemanch and Tom Danielson, biologists, will lead a walk to explore aquatic insects. Streams provide an important microhabitat in the landscape. Saturday, June 1, 2019 Location: Hutchinson Pond, Manchester Join the Maine Entomologial Society to explore the world of insects. Newcomers and more experienced entomologists alike are invited to come and learn about insect identification in this ecologically diverse conservation area. For more information contact KLT or visit http://www. tklt.org/lyceum/.

STUDENT NEWS

Belgrade Lakes Region students on UMaine fall 2018 dean’s list

ORONO — The University of Maine recognized 2,388 students for achieving dean’s list honors in the fall 2018 semester, including many from the Belgrade Lakes Region. Students who received dean’s list honors for fall

2018 completed 12 or more credit hours in the semester and earned a grade point average of 3.5 or higher. Some students have requested that their information not be released, therefore their names are not included.

Area students on the list are: Belgrade: Jack DiGirolamo, Lucy Guarnieri, Sawyer Michaud, Jill Twist. Fayette: Abigail Despres, Ashley Harmon, Natalie Harmon.

Mount Vernon: Dylan Getchell, Zack Holman. Oakland: Andrew Bolduc, Katie Crumrine, Olivia Durkee, Joshua Schaff, Cody Stevens, Emmy Warren. Readfield: Jillian Beland, Kaitlyn Chick,

Karissa Lucas, Ashley Russell, Thalia Sweeney, Kelcey Thornton, Natalie Wicks. Rome: Lilly DeLisle, Jordan Pelletier. Sidney: Kyle Bernier, Daeghan Elkin, Kyle Gleason, Hannah

Hargrove, Taylor Lenentine, Sarah Martin, Katie Mercier, Lauren Mercier, Taylor Poissonnier, Walker Thomas, Brian Tibbetts. Vienna: Brody Looney. Winthrop: Kevin Chamberland, Matt Ingram, Lydia Lavoie.

March is National

Nutrition Month Good nutrition can help prevent disease and is important for good mental and physical health.

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STUDENT NEWS

VETERANS

Belgrade Lakes Region students on Organization provides fly fishing opportunities to disabled veterans UMaine fall 2018 dean’s list

ORONO — The University of Maine recognized 2,388 students for achieving dean’s list honors in the fall 2018 semester, including many from the Belgrade Lakes Region. Students who received dean’s list honors for fall 2018 completed 12 or more credit hours in the semester and earned a grade point average of 3.5 or higher. Some students have requested that their information not be released, therefore their names are not included.

Area students on the list are: Belgrade: Jack DiGirolamo, Lucy Guarnieri, Sawyer Michaud, Jill Twist. Fayette: Abigail Despres, Ashley Harmon, Natalie Harmon. Mount Vernon: Dylan Getchell, Zack Holman. Oakland: Andrew Bolduc, Katie Crumrine, Olivia Durkee, Joshua Schaff, Cody Stevens, Emmy Warren. Readfield: Jillian Beland, Kaitlyn Chick,

Karissa Lucas, Ashley Russell, Thalia Sweeney, Kelcey Thornton, Natalie Wicks. Rome: Lilly DeLisle, Jordan Pelletier. Sidney: Kyle Bernier, Daeghan Elkin, Kyle Gleason, Hannah Hargrove, Taylor Lenentine, Sarah Martin, Katie Mercier, Lauren Mercier, Taylor Poissonnier, Walker Thomas, Brian Tibbetts. Vienna: Brody Looney. Winthrop: Kevin Chamberland, Matt Ingram, Lydia Lavoie.

EDUCATION NEWS

Art society taking applications for scholarship WATERVILLE — The Waterville Area Art Society is now accepting applications for its annual $500 scholarship award to be given to a graduating high school senior who pursues a degree in visual arts, performing arts or music. It is open to students from Waterville, Winslow, Lawrence and Messalonskee high schools, Erskine and Maine Arts academies, and Mid-Maine Technical

Center. Detailed guidelines have been sent to area high schools. Art teachers are requested to submit nominations and include student contact information; a recommendation; information about student’s artistic ability and need; and three photos or video clips of student work. These can be submitted by mail to Waterville Area Art Society, P.O. Box 2703, Waterville, ME 04903-

2703) or digitally to waasmaine@gmail.com. Nominations must be submitted by May 1. Previous winners and former applicants are also eligible to apply again with a former high school or college teacher’s nomination and materials. To receive further information, send email to waasmaine@gmail.com or contact Mary Morrison at 207-872-5843.

AUGUSTA — Back In The Maine Stream is a non-profit organization run by disabled veterans who help other disabled Maine veterans increase their quality-of-life and heal physical and emotional trauma through recreational fishing. The organization is

looking for new members. Monthly meetings cover organizational business and usually include some kind of learning sessions like fly tying, knot tying, rod-building, fishing techniques, discussing upcoming fishing trips, and the usual fishing stories.

Meetings take place at the American Legion Post 205 on Route 17 (396 Eastern Avenue) at 9 a.m., the fourth Wednesday of each month. For more information, call Marc Bilodeau at 207998-3569.

OUT IN THE COMMUNITY

Volunteer Fair at public library

AUGUSTA — Are you looking for an opportunity to help out in your community? Join Lithgow Public Library, 45 Winthrop St., Saturday, March 23, from 9:30 to 11:30 a.m. to chat with more than a dozen local organizations who are looking for would-be volunteers like you. “We get requests from folks all the time who are looking for an opportunity to volunteer,” reports Julie Olson, Lithgow adult services librarian. “There’s clearly a desire in our community for opportunities to help out, and we wanted to give folks the chance to connect with a variety of

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local organizations who are looking for people just like them.” From history, hospice, veterans, animals, conservation, literacy and much more, there is an exciting match for any prospective volunteer. Among many others, the fair will host organizations like the Red Cross, Friends of the

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OPEN TO THE PUBLIC

DOC Acting Commissioner Liberty to speak at Criminal Justice open house March 20 WATERVILLE — Acting Commissioner of the Department of Corrections, Randall Liberty, will speak about the field of criminology in today’s world at Thomas College from 5 to 6:30 p.m. Wednesday, March 20.

Liberty will speak as part of Thomas College’s Open House, free and open to undergraduate and graduate students interested in studying Criminal Justice at Thomas College. After Liberty’s key-

note, a panel discussion with current students, alumni, and faculty at Thomas College will follow. Representatives from the Admissions, Graduate and Professional Studies, Student Affairs, and Student Fi-

nancial Services offices will be on hand to answer questions. Thomas College offers bachelor’s degrees in Criminal Justice and Criminal Justice Administration with concentrations in Corrections,

Homeland Security, Law Enforcement, and Conservation Law Enforcement. In 2018, Thomas College began a Master’s degree in Criminology program. This 30-credit program has rolling admissions and accepts stu-

dents for Fall and Spring start dates. To register for the open house please visit thomas.edu/cj. For more information, visit www.thomas.edu or contact MacKenzie Riley Young at pr@thomas.edu or 207-859-1313.

FEATURED ARTICLE

5 Smart Ways to Spend Your Tax Return!

Are you receiving a tax refund this year? If so, we have five ideas that can positively impact your financial future! Usually, people have good intentions, like saving it for a rainy day or paying down debt; however, many people spend it on things they’d like to have, or they simply leave it in their checking account and it slowly disappears on unnecessary items. This year, we encourage you to make your refund work for you! Here are five ideas that can help you get the most of your tax return:

1.Catch up on overdue bills: The very first thing to do is catch up on overdue bills! You will lessen the risk of further damaging your credit or facing a lien on your property for not paying house taxes, water or sewer bills. Start by making a list of your overdue bills and tackle them one by one (Crossing them off a list feels good, too). Additionally, be sure to pay all insurance policies so they are current. You never know when you may need to rely on that protection! 2.Add to your emergency savings account: Many people rely on high-interest

credit cards or loans if an emergency expense occurs. Depositing most, if not all,

of your tax return to your emergency savings account will help the next time your

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car breaks down or another unexpected bill arises. It will give you peace of mind to have the cash on hand to pay for it. 3.Pay down high-interest debt: Do you have balances on credit cards that carry high-interest rates? Save yourself some money by paying off the balances completely or at least take a set amount of your tax refund and pay down the amount owed. This could save you THOUSANDS of dollars in interest! 4.Open a Roth IRA*: Even if you are contributing to your company’s 401(k) plan, opening a Roth IRA is a wise use of a tax refund. Roth contributions (but not earnings) can be withdrawn penalty and tax-free at any time, even before age 59½. If you are under 59½, you can withdraw up to $10,000 of Roth earnings penaltyfree to pay for qualified firsttime home-buyer expenses, provided at least five tax years have passed since your initial contribution. New Dimensions Federal Credit

Union offers Roth IRAs! Check out our rates here! *Please note: contributions may be limited by tax filing status and income level. 5.Make an investment in your home: Tax refunds can be used to increase the heating or cooling efficiency in your home. Making small energy efficient improvements can help cut down on your oil bill next year! If you are looking to increase your home’s market value, consider asking a local Realtor for suggestions on improvements that would raise the value of your home that will make a difference when you’re ready to sell. Most Realtors will charge a small fee for this service, but it will give you a better idea of how to get the most return on your investment! If you need assistance with making the most out of your tax refund, call Tanya Verzoni, director of financial education at 207-8722771 or email at tverzoni@ newdimensionsfcu.com.

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Health & CATCHING HEALTH

Reporting on the meaning of H.O.P.E.

By Diane Atwood Health Reporter Jack Sullivan knew what it meant to be depressed. He had experienced seasonal affective disorder before but always felt better fairly quickly. About two years ago, things were different. “It just started snowballing and it got way out of control. I was having unbelievable anxiety, then severe depression. I was hospitalized for a little bit and got on a medication that finally worked. I’ve been doing much better.” It’s not just the medication that’s been helping Sullivan. It’s also the support he’s been getting from a group called H.O.P.E. — Healing of Persons Exceptional. The group was started in

1987 by Dr. Ken Hamilton, a surgeon from South Paris. His initial purpose was to help five of his patients who had cancer “get ahold of their lives and face their life-threatening illness.” “It was modeled after instruction I got in medical school in 1962 that I am to promise my patients I will do my best to help them get on with their lives.,” he explained. “It wasn’t until we’d been going for a few months that family members wondered if they could be a part of it, and then somebody with depression wondered and then somebody else with some other disease wondered.” The primary mission of H.O.P.E.was and still is to: • Help people find meaning, value and purpose

in life • C reate a safe place to practice attitudinal healing and letting go of fear and conflict by seeing life in a peaceful and loving way. The core of what Hamilton has tried to accomplish with H.O.P.E is based on the teachings of Earl Nightingale, who coined the phrase “the essence of success.” “Success to Nightingale was the progressive realization of a worthy ideal. All of us are born with one,” Hamilton added. “Life may make it difficult to serve that ideal, but the greatest service you can do for yourself and others is to bring the ideal back and serve it.” Sullivan learned about

H.O.P.E. from his friend, Bob Gaudreau, who has belonged to a group in Portland for several years. It spoke to him. “I started going along because I was looking for some kind of peace, serenity or whatever. As I started to get better on medication, I continued going to the group because I like going,” Gaudreau said. “I like the people who attend and it’s a place for me to go. I think of it as a place of refuge. I know I can be safe, I can discuss anything that’s going on with me and vice versa. There’s a lot of support.” For Gaudreau, belonging to H.O.P.E. led to an attitude shift about his own issues. “I find the group to be metaphysical. It answers

three questions: Where did we come from? Who are we? Where are we going? And I came up with a fourth question. What are we going to do when we find the answers?” Gaudreau related. “H.O.P.E provided answers and helped heal my attitude. I have a mental health challenge called bipolar disorder, but I’m more than a disease — I’m a human being.” The H.O.P.E. group Sullivan and Gaudreau attend is led by Liz Holder, who has her own story to share. “I got sober in 1986. About three or four years later, I started seeking spirituality and discovered attitudinal healing in the form of “A Course in Miracles” by Jerry Jampolsky and Marianne Williamson. That became my passion and I

ran a few groups in New York and in Florida,” she said. “I moved to Maine about (nearly 13) years ago and started counseling at Serenity House. I knew I wanted to start a spirituality group, but I couldn’t call it a Course in Miracles. I needed a format.” Holder prayed about it, and about 10 days later Hamilton showed up at Serenity House wanting to talk to someone about his H.O.P.E. groups. “I said ‘Where have you been all my life?’ He said ‘Waiting.’ And so, that’s how it happened. It is my passion to do these groups and to help people. I’ve seen the miracles of HOPE helping people find

H.O.P.E. gPage 13

FEATURE ARTICLE

March is ‘National Nutrition Month’ so let’s share a meal and eat less Jodi Cornelio

Live Long, Live Well Jodi R. Cornelio, AS, BA, MBA Nutritionist, Personal Trainer and Motivational Speaker jcornelio@turnerpublishing.net

Since March is National Nutrition month let’s look at ways that we can eat less. Here is a simple statement. If you eat less you will weigh less. Downsize even your healthy choices and your body will downsize, too. Here are some tips to help you focus on eating less.

Eating out

1. Share a meal with a

friend. Many restaurants serve one person enough food for two or maybe three meals. Try asking for one meal and two plates. You will not only save money, you won’t feel obligated to overeat. The added bonus to this is that if it’s a date night, sharing can be intimate and you will leave the restaurant without being bloated

and gassy. “Just saying.” 2. If you’re not into sharing, order just an appetizer and a side salad. Most apps are a meal in themselves and the salad will fill you up. 3. Order from the kids menu or the senior section as it is typically a smaller portion. 4. If you order a full

meal box up half of it before you start eating to avoid the temptation to eat it all.

Shrink your portion while eating at home or work 1. U se a smaller plate or bowl at the dinner table. You may have grown up being told to “clean your plate.” The problem is that dinner

plates have gotten bigger. You don’t have to fill your plate to clean your plate. If that’s the case you’re probably overeating. Either downsize your plate or downsize the amount you load onto your plate.

Nutritiont gPage 13

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March 8, 2019

Cold

Page 4 town cops (Emmy Rossum and John Doman) investigate what was going on without realizing respectable Nels is involved. The best way to describe this movie is imagine a Quentin Tarantino film directed by Guy Ritchie. It’s

Nutrition Page 11

2. D ownsize the utensils. Eat with chop sticks instead of a tablespoon or big fork. It will make your food last longer and you won’t be shoveling large bites into your mouth. 3. Learn to eyeball appropriate portion sizes. A serving of meat should be no bigger than a deck of cards. That’s 3 oz. A serving of rice or cereal is the

H.O.P.E. Page 11

themselves under all those layers of conditioning and fear. It’s open to anyone.” Holder guides two groups — both free-flowing in that they talk about anything and everything. She’s careful, though, to keep the focus on attitudinal healing. “Attitudinal healing is basically changing the way you think. By changing the way you think, you can change your entire life,” she noted. “It is healing. I have lupus, and I am a recovering alcoholic and drug addict. My parents died in

a gangster drama with dark comedic moments, but not as quirky as “Fargo” nor as bleak as “The Hateful Eight.” Not to mention, it feels like too much of a slouch for its two-hour runtime. A good cut down to maybe an hour-and-ahalf runtime with a proper balance between genres would’ve helped matters.

If you have the patience, you can still enjoy some of the action and comedy the movie provides. It has a good mix of shocking violence and knee-slapping laughs that might surprise you. Some of it gets pretty absurd, especially in the very end when it gets a little too far-fetched. It becomes one of those movies

where you’re not sure if it was worth watching or it’s a waste of time. Neeson easily carries the film as a simple man using only wit instead of skills to avenge his loved ones. Once again, his gruffness and great voice shine throughout the entire movie. Though she gives a good performance, Dern

is only in the first quarter of the film that can be disappointing for fans of the actress. Bateman’s performance is so silly and over the top, he looks like if Dave Franco was playing Michael Corleone. In the case of “Cold Pursuit,” Neeson fans will indulge while others will likely seek out a rental. Ei-

ther way, it makes anybody curious to seek out the original version that might be worth a look. THE MOVIE’S RATNG: R (for strong violence, drug material, and some language including sexual references) THE CRITIC’S RATING: 2.75 Stars (Out of Four)

size of a small 60 watt light bulb. Baked potatoes should be no bigger than your computer mouse. A serving of vegetables is the size of a baseball. Follow these guidelines and you will automatically have proper portion control. 4. Use smaller single portion containers to store left overs. That way you won’t be tempted to eat more than you need when pulling a bowl out of the refrigerator.

1. M any of us don’t have time to have breakfast making Dunkin Donuts or the local bakery a regular visit. Take notice, those bagels and muffins are supersized. Nowadays, one bagel is equivalent to three bread servings. Eat half of it or better yet share your bagel with a coworker. Same with the muffin and that way you will have extra money to buy your co-worker a coffee, too. 2. Pizza can be loaded

with calories and fat. Ask for less cheese, ask for vegetable toppings instead of the sausage and meats and only have one piece instead of the whole pie. It’s enough to satisfy your craving for this fun food. 3. Peanut butter and nuts. These are great snack foods and good fats, but remember they still have calories and can add up quickly if not controlled. A serving of peanut butter is

the size of a golf ball which is approximately 2 tablespoons, 190 calories and 16 gms of fat. That’s a lot of fat so don’t take a tablespoon and eat out of the peanut butter jar. Likewise with nuts, portion out 20 nuts in a baggy and take that to work or store in your car. Don’t keep the whole canister with you to eat mindlessly and challenge your portion control. Portion control is all

about awareness of the amount of food you are eating. Be mindful and aware in the month of March and hopefully you will develop some lifelong healthy habits and gain friends with sharing a plate along the way.

Jodi Cornelio is CEO of Turner Publishing, as well as a certified trainer and nutritionist.

a car accident, so I’ve suffered severe grief in my life. You can’t change the past, but you can change the way you look at it and you can change what you do with it. You don’t have to let it define you.” No one knows the difference a H.O.P.E. group can make in someone’s life better than Hamilton. He’s helped guide more than 5,000 meetings —at one time, he was doing eight a week. He’s written three books: “SoulCircling: The Journey to the Who,” “The H.O.P.E. Story” with Joyce Murphy, R.N., and “The H.O.P.E. Manual.” He wants to continue guid-

ing groups and to train others to guide their own H.O.P.E. groups. Holder can also train anyone who’s interested. “What I have learned over the last 47 years is to be shared unconditionally with anybody who can use it for the benefit of themselves or another human being,” Hamilton stressed. “So get in touch with me.” You’ll find lots of information on the H.O.P.E.

website, and here are details about the groups that Hamilton and Holder now lead: • First Congregational Church, Haskell House, 17 E Main St, South Paris, Mondays 4 to 6 p.m.; contact Ken Hamilton 207- 890-3673. • Maine Medical Center, Dana Health Education Center, 22 Bramhall St., Room 1, Portland, Wednesdays, 5 to 7 p.m.; contact Liz

Holder 727-420-2964. • P ortland Recovery Community Center, 468 Forest Ave., Portland, Thursdays, 5:30 to 7:30 p.m.; contact Liz Holder 727-420-2964.

For many years, Diane Atwood was the health reporter on WCSH6. Now she is a blogger and podcaster at Catching Health with Diane Atwood, dianeatwood.com.

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March 8, 2019

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RECOGNITION

Local home improvement company earns Super Service award AUGUSTA — All Season Home Improvement Company has announced that it has earned the home service industry’s coveted Angie’s List Super Service Award. This award honors service professionals who have maintained excep-

tional service ratings and reviews on Angie’s List in 2018. “Service pros that receive our Angie’s List Super Service Award represent the best in our network, who are consistently making great customer

service their mission,” said Angie’s List founder Angie Hicks. “These pros have provided exceptional service to our members and absolutely deserve recognition for the exemplary customer service they exhibited in the past

year.” Angie’s List Super Service Award 2018 winners have met strict eligibility requirements, which include maintaining an “A” rating in overall grade, recent grade and review period grade. The SSA

winners must be in good standing with Angie’s List and undergo additional screening. All Season Home Improvement Company has been listed on Angie’s List since 2009. Service company ratings

are updated continually on Angie’s List as new, verified consumer reviews are submitted. Companies are graded on an A through F scale in multiple fields ranging from price to professionalism to punctuality.

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Tracking your fitness goals over the long term

The scale is NOT your friend. It’s evil. It plays tricks on you. It seems like it was designed to de-motivate the average person. It records fluctuating, multiple pounds in the matter of twelve hours. It can reflect weight loss when you have no idea why (good news) and reflect weight gain even though you have stuck to the plan religiously (bad news). When the scale doesn’t budge or moves in the “wrong” direction, how do you know you’re making progress? There are other ways to keep track of progress when you’re trying to stay motivated. The goal of tracking multiple metrics is to

make sure that everything is moving in the right direction. The scale is the most common way of measuring progress, but it doesn’t tell the whole story. The reasons the scale may not reflect real progress include: • Poor sleep • Food in the digestive tract • Hormonal changes • Toxicity (or poor elimination from digestive tract and skin) The scale only measures your overall body weight, not the whole story. Here are some other ways to track progress, leading to better adjustments in your health plan. Circumference measurements. Losing inches

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is without a doubt one of the best ways to increase motivation to adhere to a personalized health plan. A decrease in inches can make us “feel trimmer.” It’s the idea of fitting into our skinny jeans again, or fitting into that old tailored suit that can feel amazing. Three common circumference measurements everyone should know are the waist (around your belly button), hips (around your hip bones), and chest (around your nipples with your arms at your side). When these measurements decrease, you can be sure that you’re losing weight in other areas around your body as well.

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graphed, a photo can reveal a composite story. When you compare the week to week changes you have made, you will have positive reinforcement that you are on the right track.

Bioimpedance Measurement (BIM). This is a technology that has made its way into household scales for good reason. BIM measures your body fat and lean muscle mass by sending an electrical pulse (harmless) through your body. Its accuracy is based on multiple factors including how hydrated you are, what food you’ve eaten, and for women, what phase of their menstrual cycle they are on. Do not measure on a daily basis because you will not see significant body composition changes. Keep track

of your weight on a weekly basis, and you should see a 0.5-2 percent decrease in body fat if you’ve stuck to a clear health plan.

Skinfold measurement and Metabolic Analytics. There is a correlation between where your body stores fat and common stressors on the body. Skinfold measurements allow you to know what’s stopping your body from losing fat and focus on those areas. Metabolic Analytics uses 14 sites around the body to not only calculate body composition, but also to find out why you’re not losing body fat. Often a personalized health plan is more than just exercise and creating a caloric deficit. Getting enough sleep, finding the RIGHT foods for your metabolism,

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and balancing hormones are the other factors that contribute to weight loss. Seeing skinfold sites decrease after you’ve made lifestyle changes is an eye-opener for many clients. They understand that changing body composition is about changing your lifestyle and habits. To get a one-hour consultation with Metabolic Analytics, schedule by emailing bodybybeckles@gmail. com. Everyone will make progress when they ditch their dependence on the scale and take a look at the whole picture. Use these other tools to measure your progress and make the necessary changes to keep moving forward with your weight-loss/ health goals Lanell Beckles is a Certified Strength & Lifestyle Coach. Along with helping people and athletes function optimally through performance training, he also educates and guides people in revamping their metabolism through lifestyle choices to be the best version of themselves.

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March 8, 2019

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AIA Maine makes donation to support UMA architecture program AUGUSTA — The Maine Chapter of the American Institute of Architects recently provided a gift in excess of $10,000 to establish a special fund for the Bachelor of Architecture program at the University of Maine at Augusta. The funding will support a variety of activities within the program, including drawing guest speakers, providing special programing and defraying student conference costs. Additionally, the money will support student schol-

arships and faculty initiatives. AIA Maine President Jesse Thompson and Treasurer John Morris recently presented the check to Staci Warren, UMA director of annual giving and alumni relations. “This was an opportunity to further our mission and support future Maine architects,� said Thompson, “as well as acknowledge the excellent Bachelor of Architecture program available at UMA.� Eric Stark, architecture program coordinator and

an associate professor of architecture at UMA said the gift “will further our ability to teach architecture through engagement opportunities and empower students to explore the built environment in a variety of ways.� AIA Maine has previously supported the program by establishing in 2012 an endowed scholarship, the AIA Maine Centenary Scholarship Fund, for students seeking to study architecture at UMA as part of AIA Maine’s 100-year anniversary.

The Bachelor of Architecture program at UMA is the only five-year professional architecture degree program in Maine, and provides students with a path towards architectural licensure. The program faculty teach architecture through engagement, educating and empowering students to explore, investigate, and analyze the built environment. Engagement brings students into active contact with each other, their coursework, and community partners across Maine.

AIA Maine and UMA photo From left, John Morris and Jesse Thompson, of the Maine Chapter of the American Institute of Architects, present a check to Staci Warren, UMA director of annual giving, that will support the Bachelor of Architecture program at University of Maine Augusta.

FEATURED ARTICLE

Your 401(k): How Should You Be Invested? The markets are volatile, interest rates are rising, both stocks and bonds were down in 2018, and an unprecedented 93% of asset classes experienced a loss. There was seemingly nowhere to turn to make a few bucks in 2018, and it’s no wonder that people want to be especially thoughtful about how they allocate money in 2019, specifically within their retirement accounts. The most important thing to remember when allocating money in a retirement plan is exactly that: it’s a retirement plan, which means that the money is for later. Keeping this in mind, here are a few things to consider when allocating your funds.

Key Considerations Time Horizon: There are two primary timelines to consider. The first is how many years until you will begin using the money in your retirement account. The second timeline is the income period. How many years do you expect to draw on this account? Also, in what fashion will you draw on it, meaning will you take random disbursements, or will you take a set amount each month to supplement other forms of income such as Social Security and/or pensions? The closer you are to retirement and the more you rely on these funds, typically the more conservative you should be

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when it comes to taking on market risk. Investment Objective: Are you aiming for aggressive growth, slow and steady growth, an income portfolio, or will this be a legacy account designed for loved ones? Getting clear on the purpose of this account is important because it will dictate how the funds should be best invested. Risk Tolerance: Any allocation you select is accompanied by numerical measurements of risk, including beta and standard deviation. If you are unaware of these measurements, ask your plan advisor to explain how each relates to portfolio expectations. Once you know, ask yourself if such expecta-

tions align with your needs and goals. Target Rate of Return: The allocation you choose will dictate the returns you receive, and it is these returns, along with your contribution rate (see below), that will determine the value of your account when you arrive at retirement age. This means the rate of return affects the number of dollars you will be able to withdraw each month for the rest of your life. Be sure to speak with your advisor to make sure every decision you make will help to keep you within this target. The longer the time period you have until retirement, the more likely you will be able to hit your goals with small tweaks to the plan.

Contribution Rate: I can’t say it enough. Too many people choose an arbitrary percentage or dollar amount when contributing to their retirement plan. It is important to remember that, one day, you will stop receiving paychecks but will still need money, which means the important question to ask is, How much money will I need? When you are deciding on an amount to invest from your paycheck each pay period, be sure to learn what the account value is estimated to be at the time you retire, based on that contribution rate. Do your best to ensure it is enough to truly meet your retirement income needs. There are many things to

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J.M. Arbour is a comprehensive financial planning and investment advisory firm headquartered in Hallowell, Maine. Lance Gilman is a Veteran, has a fiduciary duty to his clients, and is a proud member of the J.M. Arbour team.

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consider when investing in a retirement account, but these points are a great way to start the conversation. If you ever have questions, please reach out to one of the pros at JMA or discuss with your plan advisor. See you all next month. Jac Arbour CFPÂŽ, ChFCÂŽ Jac Arbour is the President of J.M. Arbour Wealth Management. He can be reached at 207-248-6767. Investment advisory services are offered through Foundations Investment Advisors, LLC, an SEC registered investment adviser.

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