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April 2017

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Essex Heritage Celebrates 20

Years!

Merrimack Valley 50+ Active Life

Features4 Essex Heritage Turns 20!

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Published by Merrimack Valley Parent, LLC

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April 2017


Columns & Departments 6 Ask the Expert: IRA, 401(k), 403(b), 457, and Pension Corner

7 Being Comfortable in Your Skin

8 Spring Home Improvement

12 The North Shore Historian: The Nathanial Hawthorne Memorial

13 April Calendar of Events

The Hawthorne Memorial in Salem, MA - Page 12

‘The Scarf Project’ nurtures the tie between

art and healing by gifting wearable art to

cancer patients The Peabody Essex Museum (PEM) announces a community partnership with Mass General Cancer Center during the run of the museum’s WOW® World of Wearable Art exhibition, on view February 18 through June 11. ‘The Scarf Project | Nurturing the Tie Between Art & Healing’ brings together a leading art museum and a top ranked can-cer care provider to illuminate the healing elements of art and help patients maintain strength, dignity and beauty during the physically and emotionally chal-lenging times.

Designed by Massachusetts art-ist and cancer survivor Bonnie Ashmore, each scarf transforms the molecular structure of chemotherapeutic agents into a vibrant and empowering motif. For each scarf purchased, another will be donated to a patient at the Mass General Cancer Center. The scarves will be sold for $60 at the PEM Shop, Images Boutique at the Mass General Cancer Center in Boston and at the Mass General/North Shore Cancer Center in Danvers. The scarves will also be given to patients at a makeover and scarf tying workshop hosted by PEM and run by Kathleen Gill Bazazi, general manager of Images Boutique, and David Nicholas, an internationally renowned makeup industry expert.

This community partnership is inspired by the globally touring WOW® World of WearableArt exhibition which supports the Breast Cancer Research Trust in New Zealand and features a striking artwork, Beast in the Beauty, which was created as a tribute to women living with cancer and their struggle to maintain dignity and beauty during treatment. This project follows on the heels of PEM’s Dress for Success Boston col-laboration, which collected over 1,000 pairs of shoes for women with limited resources during the run of the Shoes: Pleasure and Pain exhibition.

More information available at: www.pem.org/thescarfproject

OUR CLASSES AT THE BARN1:30-3:00 p.m. or 6:30-8:00 p.m.(Check our website for class dates)

Tuesday, May 2 and 9 : 2-part IRA, 401(k), 403(b), 457. If you are retired or plan to retire, attend our class based on Ed Slott’s book, Retirement Decisions Guide, 125 Ways to Save & Stretch Your Wealth. You will receive his book and answers to your questions. • Set up a Stretch IRA for children and grandchildren. • When to convert to a Roth IRA. • Coordinate IRA withdrawals with Social Security income. Which should you take first and at what age? You will receive the book and an optional follow-up meeting to discuss your financial questions and our recommendations.

Tuesday, April 25 : Gifting, Trusts and Other Tools for Estate Planning and Asset Protection. How to protect your home & other assets from nursing home expenses through proper estate and trust design. Speaker, Ronald Kearns, Registered Nurse, Elder Law Attorney, brings a unique focus to Elder Law. Legal documents, long term care and Medicaid planning questions will be answered.

Call 978-777-5000 for reservations or register online at RetirementCtr.com

THOMAS T. RIqUIER, CFP®, CLUMember of Ed Slott’s Master Elite IRA Advisor Group™

The Retirement Financial Center 10 Liberty Street, Danvers, MA 01923

Phone 978-777-5000 • www.RetirementCtr.comThomas T. Riquier, CFP®, CLU is an Investment Advisory Representative offering Securities and Advisory Services through United Planners Financial Services.

Member: FINRA, SIPC. The Retirement Financial Center and United Planners are independent companies.

Wednesday, May 10 : Social Security (S.S.). How S.S. will affect retirement planning decisions. One of the most important irrevocable financial decisions you will make in your life! • At what age should you apply for maximum benefits. • If you delay collecting, you receive an increase up to age 70. • How does divorce or widowhood affect S.S. benefits. You will receive a S.S. Benefit Analysis and meeting to discuss your choices.

Thursday, April 27: IRA Inheritance Trust. A special Class featuring Thomas T. Riquier, CFP®, CLU, and Attorney Paul Bernstein. An IRA Inheritance Trust will help protect and control your IRA. • IRAs may be the largest asset you pass to your beneficiaries income tax-free. • Protect your IRA in a divorce, lawsuit, creditors, government claims.

THOMAS T. RIqUIER, CFP®, CLU, President of The Retirement Financial Center, and a CERTIFIED FINANCIAL PLANNER™ professional holds Retirement Planning Classes because he believes education is critical to making good financial decisions. With more than 46 years of experience in wealth man-agement, retirement income planning, insurance, and pre-retirement planning, Tom understands the unique financial needs of seniors. At our website, RetirementCtr.com, read our latest class information and Ed Slott’s White Papers.

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In 1996 Motorola sold its first clamshell, flip phone, eventually selling 60 million more world-wide; Art Modell moved his NFL franchise out of Indianapolis to Baltimore in the middle of the night; and the United States introduced its newly designed $100 bill.

Locally, Congress paved the way for the formulation of Essex Heritage, a non-profit organiza-tion that preserves and promotes the history and historical sites of Essex County.

Essex Heritage marked its 20th birthday with a yearlong celebra-tion that culminated with its 20th Anniversary Gala: A Toast to the Trailblazers earlier this month. Essex Heritage celebrated and honored those organizations and people who made Essex Na-tional Heritage Area, one of just 49 heritage areas nationwide, what it is today with an event at the Peabody Essex Museum in Salem.

“We are happy to celebrate the many accomplishments of our friends and partners over the

past 20 years,” commented An-nie Harris, Essex Heritage chief executive officer. “Each nominee contributes to the Essex National Heritage Area’s successes, and we’re thrilled to use this opportu-nity to create greater awareness of this unique place as we plan for our future.”

On average Essex Heritage hosts over 2.7 million visitors annually from 30 countries. Essex Heri-tage’s area encompasses the 500 square mile area north of Bos-ton, which is most of Merrimack Valley, and is made up of 34 towns and cities. More impres-sively, there are 9,968 historical sites and 26 historical landmarks within Essex Heritage’s confines. Given the region’s historical im-portance in the nation’s struggle in gaining independence from British rule, to jumpstarting the Industrial Revolution, one would assume Essex Heritage would be around to celebrate its 40th birthday.

Bets are good it will, but the recent budget plan offered up by the Trump Administration proposes a $1.5 billion cut in funds to the Interior Department, which includes cutting “funding for programs such as National Heritage areas.”

These are spurious threats, and Essex Heritage is undeterred by them. Essex Heritage didn’t turn 20 without a few scares along the way; Essex Heritage is used

to this.

“We note that for the past ten years, every presidential budget has proposed cutting funding for the national heritage area pro-gram. President Trump’s budget is no exception,” said Emily Levin, director of communications at Essex Heritage. “In the end, it is the U.S. Congress, not the presi-dent that passes the annual fed-eral budget. We remain optimis-tic that Congress will once again restore funding for the country’s 49 heritage areas. With a 30-year record of achievement, the national heritage area program is very popular with members of both political parties.”

Essex Heritage continues to con-duct private fundraising to help achieve its mission. It applies for grants to underwrite public programs, leans on an active and generous membership base, and receives corporate support from local businesses and banks.

Those fundraising efforts, gifts and grants are out toward a wide range of initiatives and programs that showcase the throngs of historical sites in Essex County.

One of those initiatives harness-es the power of social media, something that wasn’t even dreamt about when all this his-tory was being made at various places with the county. Last year, as a lead up to the 20th Anniver-sary, Essex Heritage launched

the Find Your Story program, which invited visitors to upload pictures, video and audio record-ings as they toured their favorite Essex Heritage sites. While the overall program was met with limited success, the organiza-tion found the annual picture-sharing, photo contest portion to be a hit.

The photo contest encour-ages photographers of all levels to capture living landscapes, unique places and interesting people of Essex County. The con-test is presented in partnership

with Hunt’s Photo, the Merrimack Valley Planning Commission, and the National Park Service at Salem Maritime and Saugus Iron Works National Historic Sites. Thirteen of the fourteen win-ning images will be selected by a panel of judges and the “People’s Choice Winner” will chosen by public votes via Essex Heritage’s Facebook page.

Another initiative for those looking to get away and rough it for the night is spending an evening at Baker’s Island Light-house. For a fee, members can

book an overnight at the light-house. You’ll be ferried across Salem Harbor in late afternoon and spend the evening gaz-ing at the stars, and if Mother Nature cooperates you’ll have your own beach for use the next morning. There are some restric-tions, and what is brought to the island must be taken off when you leave. Details are available through Essex Heritage’s website.

These programs are just the tip of the iceberg as to the organiza-tion’s offerings. And while the spring and summer are more

suitable for sightseeing, most of the historic sites remain open throughout the year. If you don’t get to these sites this year, Essex Heritage has plans on being around for a long time to accom-modate you.

For more information on Essex Heritage, historical sites within the Essex National Heritage Area or how to get involved, visit:Essexheritage.org

Essex Heritage Celebrates its 20th Anniversary!By Mike Sullivan


Ask the Expert #9: IRA, 401(k), 403(b), 457, and Pension Corner

By Thomas T. Riquier

QUESTION 1: Is it true that I can avoid future RMD requirements by transferring IRA assets to my company’s 401(k) plan? My company does accept IRA assets. I am 72, born in August of 1944. I have been told that my 2017 RMD must be paid prior to trans-fer, but that subsequent years would not be subject to RMD as long as I remain a full time em-ployee and don’t own over 5% of the company’s stock.

ANSWER: It seems too good to be true, doesn’t it? But, yes, that is how

the rules work. If you are still work-ing and do not own more than 5% of the company, you may delay your RMDs until your retirement. If your company is willing to accept rollovers from your IRA, the RMDs on those funds can be delayed as well. The RMD for 2017 would have to be distributed from your IRA prior to the rollover but after that the RMDs could be delayed.By the way, there is no require-ment that you remain a full-time employee. The tax code simply says you must still be working for your employer.

QUESTION 2: I have a question about Inherited IRA RMDs. A father owned an IRA and was taking RMDs when he passed. His daughter inherited it and she took RMDs going forward. The daughter has now passed and her husband inherited it and needs to take RMDs. The compa-ny where it is held says that the calculation now reverts back to the original owner’s date of birth and age. Is that correct?

ANSWER: These rules are a little complicated but, generally, when there is a successor beneficiary, that beneficiary steps into the shoes of the original beneficiary. Here is how it works. When dad died, his daughter inherited his IRA. She could take RMDs from the inherited account using her life expectancy, subtracting one from her original life expectancy factor each year. The inherited IRA has now established the time period over which it must be paid out. Her husband is a successor benefi-ciary. He may continue taking the RMDs from the IRA based on his deceased wife’s remaining life ex-pectancy, continuing the subtract one process. Dad’s life expectancy, as the original IRA owner, does not come into play at all.

We specialize in helping pre-retirees and retirees to live the lives you want—lives you might not be able to have without good solid investment management, advice and a sound understanding of all

your options. Call 978-777-5000 to schedule a no fee appointment for answers to your retirement plan-ning questions.

Email your IRA, 401(k), 403(b) ques-tions to [email protected].

Source: Ed Slott & Company, LLC

The views expressed are those of the author as of the date noted, are subject to change based on market and other various conditions. Mate-rial discussed is meant to provide general information and it is not to be construed as specific investment, tax or legal advice.

Securities and Advisory Services of-fered through United Planners Finan-cial Services. Member: FINRA, SIPC. The Retirement Financial Center and United Planners are independent companies.

Thomas T. Riquier, a CERTIFIED FINANCIAL PLANNER™ professional and President of The Retirement Financial Center, has been helping people with financial questions for more than 46 years. Tom is a mem-ber of Ed Slott’s Master Elite IRA Advi-sor Group™.

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Dr. Stephanie Rittenour

Our office specializes in customized, integrative care for the entire family. We pride ourselves on our detailed approach to care.

We are a family friendly office and strive to help your family optimize their overall health and wellness.

The skin is our body’s largest organ. From a practical point of view, it pro-tects our internal organs from bac-teria and viruses, regulates our body temperature and it’s what makes us, well…us!

Protecting and preserving our skin is something we typically become more aware of as we get older. As our skin ages, it loses elasticity, volume, can change color and texture, and may become more dry.

Some tips for keeping skin healthy include:

• Drink Lots of Water• Avoid smoking and limit alcohol

consumption• Use sunscreen when outdoors• Eat well • Avoid stress• Keep physically active

Visiting a skin health expert such as Medi-cal Skin Boutique in Andover, Mass can assist in keeping your skin looking younger. Modern treatments such as Botox®, Chemical Peels, laser treatments, and Platelet Rich Plasma Therapy are just some of the options available to help you look and feel your best.

While it was noted above that avoiding stress is key to healthy skin – the first visit to a skin health expert could be stressful to some of us. How can you make that initial visit less stressful?

• Do your research – Are the prac-titioners certified? What train-ing do they have?

Don’t be afraid to ask! For example, Stefanie Magnant R.N. of Medical Skin Boutique has a Bachelor’s degree in Business Administration as well as a Bachelor of Science in Nursing. She has been an Aesthetic Nurse Special-ist/Clinical Injectable Trainer for over ten years, is certified by the Esthetics Skin Institute, and is a member of the American Academy of Medical Es-thetic Professionals. In addition, she is certified in each individual treatment techniques she applies and is one of only a handful of New England experts to become trained as a Master Voluma injector by world renowned Dr. Mauri-cio De Maio.

• I trust they are an expert, but I’m still a little nervous!

Don’t be afraid to ask about patient feedback. Often times, patients who have experience with the practitioners are the best source of real, practical advice. They can provide feedback on the personal touch that can contribute to an overall positive experience. In speaking with Medical Skin Boutique, they offered several patient testimoni-als regarding Stefanie:

“Stefanie has an incredible artistic eye and never over treats. People com-ment on how rested and healthy I look yet never know what I’ve had done. She is professional, caring, always on time, and very knowledgeable. Would highly recommend her!” Laurie P, Newton, MA

“Stefanie took the time to listen to my concerns, explain the procedure and what to expect. She has performed my Botox and Filler treatments. Never in

a rush, thorough, and really listens to what you need. If you are a first-timer to Botox or injections, she makes you feel very comfortable!” Crisel , Read-ing, MA

”Fantastic. If it’s your first time or you’re a Botox pro, Stefanie makes you feel comfortable and explains how it will work. She has a great eye and will never make you look fake or frozen. The appointments are always on time and Stefanie is so nice! It has been a pleasure working with Stefanie to look my best self.” Heidi J. Andover, MA

“I HIGHLY recommend Stefanie Magnant R.N. for anyone looking for cosmetic injectables. She is VERY pro-fessional, thorough, competent, cheer-ful, informative, and very good giving feedback for any immediate question or followup. ” Mary, Andover, MA

Taking good care of your skin is a life-time endeavor – eating right, drinking lots of water and limiting sun exposure can contrib-ute to healthy, youthful looking skin. When seek-ing expert advice on skin health, doing your homework can alleviate potential stress involved in choosing the right provider and doing the best for your skin!

Medical Skin Boutique in Andover, MA can be reached at 781-752-9216 or www.medskinbou-tique.com

Being Comfortable In Your SkinThe First Step in Visiting a Skin Health Expert

is to Feel Comfortable

Stefanie Magnant R.N. of Medical Skin Boutique consults with a patient.


Spring Home Improvement Spring Home Improvement

Bathroom remodels are one of the most popular home renovations for individuals who value independence and want to stay in their homes as they age. For these homeowners, achieving a Universal Design Bathroom is of utmost importance. What is a Universal Design Bathroom and what are the benefits? Let us explain…

What Is A Universal Design Bathroom?

The idea behind a universal design bathroom is that your bathroom is ac-cessible to all people—including those with physical limitations. Regardless of you or your guests’ age, a universal design bathroom is great for creating an easy-to-use space that is safe for all walks of life.

Want even better news? According to Remodeling Magazine, a new universal design bathroom can yield nearly a 70% return on investment! This offers an ex-cellent opportunity for homeowners to increase the value of their home while making their bathroom more beautiful and accessible. It’s a safe move to make whether you want to put your home on the market or if you simply want to add a new level of convenience and safety to your bathroom.

Key Characteristics Of A Universal Design Bathroom

When it comes to a universal design bathroom, convenience is key. One of the most convenient aspects of any bathroom is a walk-in tub or zero-threshold shower. But what else should you look for?

Consider The Following Words: Safety, Independence, Peace of Mind, Protec-tion & Therapy

• 100% resistant to mold and mildew with self-purging jets

• Quality materials—Made in the USA, 100% acrylic to prevent chips & cracks

• Wheelchair, walker access and ADA compliant

• Safe non-slip surfaces and grab bars for safety

• Quick drain for safety (look for drainage in 90 seconds)

• Hydro and air massage therapy (walk-in tubs)

• Expert installation in less than 2 days to ensure proper performance and expand the lifespan of your shower or walk-in tub

• Lifetime warranty

The Benefits Of Installing A Zero-Threshold Shower Or Walk-In Tub

Preventing injury in the shower is vitally important, which is one of the reasons why many homeowners choose to install walk-in tubs and showers in the first place. According to U.S. News & Money Report, falls (including those that happen in the shower) are one of the top 5 causes of accidental home injury deaths.

• INDEPENDENCE: A zero-threshold

shower or walk-in tub gives home-owners a sense of independence. Since it’s designed as a walk-in unit, homeowners have an easier time tending to their own personal hygiene needs.

• SAFTEY: Today’s best walk-in tubs and shower units feature a slip resistant tub floor, making it much less likely to lose your footing. Don’t forget that grab bars are yet another critical safety feature key to a universal design bathroom. Lastly, make sure you look at a fast-flowing faucet which drains in 90 seconds or less.

• PEACE OF MIND: They increase the value of your home and yield a 70% return on investment. As well as being worry-free about loved ones taking care of themselves.

• PROTECTION: The self-purging air jets in walk-in tubs also prevent mold and mildew growth—result-ing in a more sanitary environment for bathing.

• THERAPY: As far as walk-in tubs go, the convenience simply can’t be beat. Best of all, walk-in tubs keep water hotter for up to 4 times longer than a steel or cast iron tub. You can choose these units with heated seats for warmth between filling and emptying the tub. The

heated pump is quiet and regu-lated, and the tubs feature a leg massage option and four types of home therapy: air massage, hydro massage, chromotherapy, and aromatherapy. Walk-in tubs truly help enhance your mental and emotional well-being.

Who Should Consider Walk-in Tubs or Zero-Threshold Showers?

While nearly any New England home-owner can benefit from and enjoy a walk-in tub or zero-threshold shower, consider this bathroom upgrade if:

• Your bathroom is old, outdated, or even unsafe.

• Your current bath tub or shower frequently accumulates mold and mildew.

• You want to make a beautiful yet functional upgrade to your home while increasing its value.

• You are concerned about safety for yourself or an aging relative.

• You want an at-home option to decrease physical discomforts that are a result of arthritis, diabetes, and back pain.

• You’re looking for a guilt-free option to manage stress and incorporate relaxation techniques into your daily routine.

• You need a quick turn-around time of less than two days.

We hope you found this information on walk-in tubs and zero threshold showers helpful. If you’re ready to upgrade your bathroom or if you have any questions, please contact Coastal Windows & Exteriors at 978-304-0495 or visit www.MyCoastalWindows.com. We are happy to answer all your questions and even provide you with a free walk-in tub or zero threshold shower estimate. Act now and save $500 off plus a FREE Hur-rycane!

Universal Design Bathroom Allows for Independence and Aging in Place

Dampness in basement floors and foundation walls can lead to a multi-tude of undesirable (and unnecessary) results including:

• Growth of allergens and poten-tially health hazardous molds

• Breakdown of the concrete’s integrity

• Reduction in the concrete’s insula-tion value

• Musty, damp odors• May attract ants, spiders and other

vermin

Since basements tend to have little sunlight, poor ventilation and are often humid, the con-ditions are unlikely to correct themselves – coupled with the fact many basements are the least used area of the house, unhealthy conditions can persist and expand without notice until they reach a critical juncture.

Modern research on the age-old problem of dampness in base-ment floors and foundation walls has yielded high-tech solutions including: electroosmosis and microwave drying. Moisture Prevention and Control (MPC) of Woburn, Mass brought these technologies from Europe where they have been effectively used in Germany and Scandinavia for the past fifteen years. The goal of using these state of the art meth-ods is to permanently solve the problem by addressing the root cause rather than simply treating the current problem.

What is Electrioosmosis?

According to the experts at MPC:

Water will naturally rise upwards from a positively charged area (water molecules in the soil) to a negatively charged structure (your home or

office). It will always travel in that direction. The base of a wall which is at and below grade level carry water molecules with a positive charge, your basement floors and foundation walls are negatively charged.

This causes the water molecules to move upwards into your home. The speed in which this water travels upwards depends on the electromag-netic fields within its range, the width of the material, type of material and

other factors. The key factor here is the water will rise up through your walls and basement floors to a greater or lesser degree.

The Moisture Prevention and Control device causes electromagnetic waves at the correct intensity and shape to cause a diversion of poles. In other words the device will neutralize the positive charge in the water molecules contained in your floors and walls. This in turn will cause the water in your walls to move downwards and out of your dwelling completely. It works as an active repellant constantly pushing dampness and moisture out of your walls. It also is an active prevention so

water never gets in there in the first place. It’s an extremely effective hori-zontal and vertical hydroinsulation.

What is Microwave Drying?

According to MPC:

Microwave drying is based on the absorption of radiation energy. The molecules of water and most resins which are placed in a strong electro-magnetic field start vibrating. The vibration causes the molecules to rub against one another, producing heat. In our devices microwaves permeate into the non-conductive materials,

such as building materials (brick, concrete, sheetrock and wood.), and are dampened slightly as they are distributed within these materials. The water in a wet wall absorbs the microwave energy very efficiently - several thousand times more efficiently than dry material. As a result, a high frequency field, such as a microwave, causes the mol-ecules of water contained in the material to move and rub against one another. As a result of that rubbing, a large amount of heat is produced, which causes the water contained in the wall to evaporate and disappear from it. That is, the drying of the wall is not done through the heat-ing of the material, but by the direct impact of microwaves on the water contained in the wall structure.

Along with destroying the mold, microwave drying will also elimi-nate bacteria, ants & spiders.

If you have allergen, dampness or basement odor problems and would like additional information

on the high-tech methods utilized by MPC, call 781-201-1100 or visit

moisturepreventioncontrol.com

Solving Mold, Allergens and Dampness Problems with State of the Art Technology

Microwave Drying Unit from MPC


Call Now and Start Planning Your Retirement!

978-239-8446• Eliminate your monthly mortgage payment (as long as you live in your home and continue to pay taxes and insurance)

• Receive monthly deposits from your reverse mortgage

• Create a line of credit from your reverse mortgage

With over 10 years of experience specializing in Reverse Mortgages, Dan Collins will help you move through the Reverse Mortgage process seamlessly. Call today for a free, no obligation, in home consultation!

ThE NEw REvERsE MoRTgagE

Dan CollinsNMLs #30130

Continental Funding Corporation (NMLs # 2723)7 Cabot Place

stoughton, Ma. 02072978-239-8446

[email protected]

Personalized and affordable home care services allow seniors to stay safely in their own home, while providing peace of mind to their families. We are available 24 hours a day, 7 days a week, offering a wide range of services.

Call us today for your FREE In-Home Assessment!

Need Home-Based Senior Care?

Tel: 978-764-5296

www.humblehomecareservices.com

Over the course of my career originat-ing reverse mortgages I have watched my clients use the proceeds from their reverse mortgage for a wide variety of reasons. Among the most common uses of these proceeds is for home improve-ments. Many of my clients have lived in their homes for a long time and often there is a need for upgrades to various parts of their homes. Generally speak-ing, I would put home improvement projects into two basic categories: re-quired deferred maintenance and aging in place upgrades. First, let’s take a look at required deferred maintenance.

Required deferred maintenance is the less glamorous side of home improve-ment projects. This type of maintenance includes items such as putting a new

roof on your home, interior or exterior painting, new windows, or possibly even a new furnace in the basement. Although less glamorous, these items can often give the homeowner peace of mind and can sometimes be required by the reverse mortgage lender to be completed as a condition of the reverse mortgage loan. The regulator of reverse mortgage loans is the Department of Housing and Urban Development (HUD). When creating the regulations for reverse mortgages HUD realized that many seniors seeking a reverse mortgage may have been living in their homes for decades and that some of these deferred maintenance items would need to be completed. Often these borrowers do not have the money to do this maintenance before the loan closes so HUD put in place a unique

feature in the reverse mortgage regula-tions that allows the borrowers to close the loan before this work is done. This allows the borrower to access the equity in their home first and do the necessary repairs later. In a conventional “forward mortgage” these repairs would need to be completed before the loan can close.

The second basic category of home im-provement is aging in place upgrades. There are many upgrades that a senior would want to have throughout their homes while they age in place. Many of my customers have upgraded their kitchens and bathrooms with features which will make it easier for them as they get older. A common upgrade in the bathroom is the addition of a walk in shower and handrails. On more than one occasion I have had my clients tell me that they plan on converting one of their downstairs rooms into their master suite and leave the stair climbing to the bedrooms upstairs for their grandchil-dren. Also, a common change that I see is to have the washer and dryer on the first floor. No more going to the base-ment to do laundry!

Not all of the aging in place improve-ments are limited to the inside of your home. Just recently I had a client that was planning on doing quite a bit of work to make her home wheelchair accessible from her driveway. Another client was having a hot tub installed on the new patio he was having built. There really is no limit on the various upgrades

you can do on your home, inside or out, with the proceeds from a reverse mortgage.

With over 10,000 people each day turn-ing 65 there will be an increasing need for seniors to do required maintenance as well as aging in place upgrades. Using the proceeds from a reverse mortgage to make these improvements is a great way for seniors who have their wealth “trapped” in the equity of their homes.

Dan Collins is a Reverse Mortgage Spe-cialist (NMLS # 30130) with Continental Funding Corporation (NMLS # 2723) He has been specializing in Reverse Mort-gages for over 10 years. He has also been featured on the FreeMoneyRadio program and can be reached at 978-239-8446 or [email protected].

For a free copy of The National Council on Aging’s booklet titled “Using Your Home to Stay at Home” feel free to contact Dan at the information provided above and he will get a copy in the mail to you right away. This booklet contains excellent information about a wide variety of op-tions to help senior citizens remain in their homes after they retire.

Using Reverse Mortgages for Home ImprovementsBy Dan Collins

Many construction trends and technologies have been increasing in popularity over the years, but 2017 is expected to be the year that some of these new techniques and design trends start to take over a larger share of the construction market throughout the country. In particular, these new trends reflect the desire of homeown-ers to improve his or her work-life balance.

Prefab Construction Offsite construction, also called modular or prefab, isn’t new to the industry. However, experts predict the building method will grow in 2017 as quality, time and labor concerns make alternatives to traditional construction methods more attractive. It is often cheaper, easier and more consistent to use prefabricated building materials. Not only that, many prefab houses are thought to better built then stick built on site. Since saving time and money is a priority with many architects and developers who can still offer a quality product, many construction experts agree that prefabricated materials are often the way to go.

Communal SpacesCommunity as we used to know it seems gone forever. People are tending to live farther from their families and spend more time at work and on the computer using the in-ternet and, in particular, turn-ing to social media for sense of connection. Because of these factors, though, along with the notion that we NEED meaning-ful contact, people are starting to look for more opportunities to interact with their neigh-bors. Builders are capitalizing on this desire in their designs by including spaces such as neighborhood clubhouses, large outdoor decks adjacent to the pool area, game rooms, and communal gardens. These communal spaces are usually

within easy walking distance of the homes and can be used for all kinds of meetings and events, from neighbor-hood gatherings to family reunions and more. If you are lucky enough to live in one of these communities, it may have the feel of a wonderful block party that never ends. Don’t worry – you can still have your private time at home. Needless to say, this is a good construction trend when you consider today’s population demographic and the benefit to more mature folks of living in a tight nit community. Com-munal spaces for the workplace are also becoming very important for productivity and the well-being of the workforce.

Work Hard, Play HardAs a whole, Americans are spending more time at work and less time relax-ing. Second careers or other part-time jobs have extended many people’s working years, delaying retirement. Because of this, it is becoming more important for homeowners of all ages to have easily accessible recreational

opportunities.

Buyers place a premium on homes or neighborhoods with putting greens, tennis courts, and other amenities such as functional outdoor areas (think outdoor ‘rooms’ kitchens w/ pizza ovens and grills etc.). You need not embrace condo-living anymore– or live in a 55+ community in order to enjoy at-home recreational facilities, since new-construction homes and neighborhoods are being designed for all ages with this convenience and appeal in mind. This desire to further blend socialization and recreation with individual homes and neighborhoods is expected to impact new home de-signs and community plans through-out 2017 and into the future.

Popular Paint Color: TaupeWhile shades of white are still the most popular for painting the walls of a home, taupe has replaced gray as the second-most popular color. Compared with gray, taupe is a warmer tone. Warmer tones tend to make a room

more inviting. Taupe pairs well with hardwood floors and finishes of all finishes, and is expected to become widely used in exterior decorating as well as interior design.

It’s good to know that the construc-tion industry is responding to our collective changing wants and needs. If you would like to discuss any of these trends – or find a new place that embodies these concepts – please contact me. I’m here to help and I love doing it!

The SRES professional designation was created by the Senior Advantage Real Estate Council in 1997 in response to the distinctive needs, factors, and consider-ations for older Americans and became recognized by the National Association of Realtors in 2007. This article was contributed by Corinne McKeown, North Shore Seniors Real Estate Specialist and Broker Associate of Keller Williams Realty with offices in Newburyport, Topsfield, Beverly.

Construction Trends For Our Evolving NeedsBy Corinne Mckeown

Spring Home Improvement Spring Home Improvement


Merrimack Valley Calendar of Events

AprilSaturday, April 1

ARTS/CRAFTS FAIR & BAKE SALEAmesbury: An Arts/Crafts Fair & Bake Sale will take place at the Market Street Baptist

Church, 37 Market Street, Amesbury on Saturday, April 1 from 9:00 am – 1:00 pm. Come to shop from the many crafters and

artisans. The event will take place in the hall at the front of the building-all one

floor – no steps. Please help us spread the word to raise money for our church build-ing renovations. Crafter and Artisans can

reserve a 6-foot table for $20 by contacting the church at 978-388-0930 or [email protected]. Table set-up is Friday 9 am-

noon & Saturday 7:30-8:30 am.

NATURE APPSChild on smartphoneYour smartphone can open a world of nature appreciation! Come learn how to enhance your nature experi-

ence with apps that teach you to recognize plants, help you count wildlife encounters, and show you the best places to hike. Get out into the nice weather...with technolo-

gy! Make sure and bring your smartphone!Date / Time:: Saturday Apr 1, 2017

10:00 AM - 11:00 AM Contact:Anna Gooding-Call 978-686-4080

[email protected]: The Study Room

Nevins Memorial Library, Methuen

KNIT AND CROCHET GROUPCome and talk about your favorite books,

yarns and patterns. Bring your knitting and/or crochet project and make some

progress while we chat!Date / Time:: Saturday Apr 1, 2017

1:00 PM - 3:00 PM Contact:Circulation Department 978-373-1586

x603 [email protected] Public Library

INTRODUCTION TO VOLUNTEERING: SANDY BEACH AND TIDE POOLS

Do you love the outdoors and want to learn more about sharing nature with

others? Come to Joppa Flats and consider becoming an education volunteer! Joppa

Flats presents nature education to schools, groups, and families throughout the

school year’ indoors at schools and out-doors in a wide variety of environments.

Learn how to do what we do, then join us! Taking these training programs is the first step in becoming an education volunteer

for Joppa Flats. Date: Sat, Apr 01, 2017 8:30

am - 12:30 pm Location: Meet at Joppa Flats Education Center, One Plum Island

Turnpike, Newburyport.Fee: $35. Preregistration required.

INTRODUCTION TO BIRDWATCHING

Do you enjoy watching birds but want to improve your ability to identify them?

Learn the basics of field identification, including physical characteristics, behav-

ior, habitat, voice, and more. Following the classroom presentation, we will help

you practice and integrate your identifica-tion skills during our field trip. Our low participant-to-naturalist ratio allows for

lots of individualized attention as we work through the identification of a variety of exciting species. Date: Sat, Apr 01, 2017

9:00 am - 3:00 pm Location: Meet at Joppa Flats Education Center, One Plum Island


SATURDAY MORNING BIRDING

Our experienced leaders will take you to birding hot spots in the Newburyport/

Plum Island area in search of avian activity. Beginners and birders of all skill levels are welcome. Date: Sat, Apr 01, 2017 9:00 am - 11:30 am Location: Meet at Joppa Flats Education Center, One Plum Island Turn-pike, Newburyport.

Fee: $12. No preregis-tration required.

Sunday, April 2DUCKS-R-US

In early April, the coastal waters, rivers,

and lakes of Massachu-setts’ North Shore are wonderful places to

observe ducks. Most of the species that have wintered here are still

present, and many early migrants have returned

to our area. Under fa-vorable conditions, over 20 species of ducks can be observed. During a previous trip, we saw

21 species of ducks and two species of geese. On this all-day adven-ture, we will bird the

Plum Island estuary, the Merrimack River, Cherry

Hill Reservoir, and many sites on Cape Ann in hopes of finding these beautiful birds.

Target species will include harlequin duck, Barrow’s goldeneye, three species of scoter,

and many more.Date: Sun, Apr 02, 2017 9:00 am - 4:00 pmLocation: Meet at Joppa Flats Education

Center, One Plum Island Turnpike, Newburyport.

Fee: $50. Preregistration required.

Monday, April 3PYSANKA WORKSHOP Mon. April 3 ;6-8 p.m.

Kati Bourque will be sharingher knowledge in how to create Ukrainian Easter eggs!

Space is limited/MUST Register! (If enough interest, Kati will do a 2nd session.)Langley-Adams Library,, Groveland

Tuesday, April 4CLASSIC MATINEE

Join us Tuesday mornings in April for clas-sic musicals starring Fred Astaire and Gin-

ger Rogers. Today we watch Top Hat (1935). Date / Time:: Tuesday Apr 4, 2017

10:00 AM - 12:00 PM Contact:Sarah 373-1586 [email protected]

Location: AuditoriumHaverhill Public Library

Wednesday, April 5MOVIE MATINEE: “MOONLIGHT” (R)

April 5, 2017 | 2:30 pm – 4:30 pmJoin us for our Movie Matinees on Wednes-

day afternoons. This week we will be screening “Moonlight” (R) starring Maher-

shala Ali, Shariff Earp, Alex Hibbert, Ashton Sanders, and Trevante Rhodes at 2:30 p.m.

Run Time: 111 min. “Moonlight is the tender, heartbreaking story of a young man’s struggle to find

himself, told across three defining chapters in his life as he experiences the ecstasy, pain, and beauty of falling in love, while

grappling with his own sexuality.” Come and enjoy the theater-like screen and sound system with fellow film buffs.

This free event will be held in the Program Room and all are welcome!Newburyport Public Library

Thursday, April 6BOARD GAME NIGHT

An evening for adults to learn and play board games in the Activity Room.Date / Time:: Thursday Apr 6, 2017

5:00 PM - 8:45 PM Contact:Reference 978-623-8430 [email protected]

Location: Activity RoomMemorial Hall Library, Andover

Wandering through downtown Sa-lem, the fortunate visitor will happen upon the larger-than-life bronzed representation of Nathaniel Haw-thorne, author of “The Scarlet Letter” and “The House of the Seven Gables” , on Hawthorne Boulevard. The author’s countenance, he or she will

notice upon closer examination, ex-udes a sense of solidity and serenity - two words that in no way describe the monument’s own journey from concept to completion.

The impetus for a Hawthorne Memo-rial was provided by the long-defunct

Civic League of Salem. In early 1909, the organization appointed Salem artist Frank W. Benson, activist Harlan Kelsey, architect J. Foster Smith, antiquarian George Francis Dow and four other prominent citizens to a committee that was charged with the task of selecting a sculptor to create a monument to Salem’s most famous native son. Over the next few months, it became clear that Bela Pratt, Frank Benson’s colleague at the School of the Mu-seum of Fine Arts, Boston, was the man for the job. Collaborating with Pratt would be the respected Boston area architect, Clipston Sturgis.

Pratt’s original concept for the Haw-thorne Memorial was a free-standing bronze tablet. The Sturgis-designed borders of the tablet replicated the doorway of a colonial dwelling. Look-ing through that door, the viewer would discern a maiden standing in a garden and, on a wall behind her, the shadow of “the head and shoulders of a figure that might be called the spirit of romance”. But the disap-pointed sculptor and architect were sent back to the drawing board to design and produce a more tradi-tional portrait statue of “the Great Romancer”.

Siting the monument proved to be a more difficult task than the design. Pratt favored the Salem Common, but he and the committee realized it would be met with objections from unidentified “other quarters.” There was also talk of creating a park on a piece of land between Essex Street and the Salem Common and just opposite Union Street where Haw-

thorne was born. Fortunately, when the final decision to use the green space on newly-created Hawthorne Boulevard was made years later, it satisfied the sculptor, who felt the site would “set off the statue fairly well.”

But it was the the financial aspects of the project that would be Bela Pratt’s biggest headache. Initially, commit-tee members told Pratt they expect-ed to raise $50,000, a figure that far exceeded his expectations. But when the frustrated sculptor and the com-mittee finally signed a contract eight years later - by which time almost all the work had been done and he had been paid almost nothing - it was for a paltry $20,000. Of that amount, Pratt would actually receive less than than half before he died of exhaus-tion just a month after signing the contract in 1917.

The balance of the monies due Pratt weren’t raised until the mid-1920s, and it was left to a different commit-tee - the one selling stock to pay for the construction of the Hawthorne Hotel - to do the job. Pratt’s statue was then moved from the Museum of Fine Arts , Boston to Salem where, after a decade and a half of complica-tions and frustrations, it was dedi-cated and presented to the city on December 24, 1925.

The North Shore Historian:The Hawthorne Memorial in Salem, MA

By Jim McAllister

Medical Innovation

Coming in the May Issue


M a g a z i n e


We’re looking for

freelance writers from the

Merrimack Valley & North Shore to contribute to our publications.

Please send a writing sample and

resume to:

[email protected]

AN EVENING WITH TED REINSTEINTed Reinstein returns to the Amesbury

Public Library to talk about his latest book “Wicked Pissed: New England’s Most Fa-

mous Feuds.” From sports to politics, from food to finance, from aviation to engineer-

ing, to bitter disputes over boundaries, New England’s feuds have peppered the

region’s life for centuries. They’ve been raw and rowdy, sometimes high-minded and

humorous, and, in a place renowned for its deep sense of history, often long-running

and legendary.Ted Reinstein, a native New Englander and local writer, offers fascinating stories from the history of New England and brings to

life many of the fights, spats, and argu-ments that have, in many ways, shaped the

region. Reinstein has been a reporter for WCVB-TV Boston’s Chronicle since 1997.

In addition, he is a regular contributor for the station’s political roundtable show and writes a weekly opinion column. He is also

the author of New England Notebook.Space is limited, sign up requred.

This program is funded by the Friends of the Amesbury Public Library. Date / Time::

Thursday Apr 6, 2017 7:00 PM - 8:00 PM Contact: Kim Butler 978-388-8148

[email protected]: Amesbury Public Library

Friday, April 7MOVIE FRIDAY!

1:30- 4:00 p.m. BYO snacksPatriot’s Day; rated R

Langley-Adams Library,, Groveland

Saturday, April 8BOOKS IN BLOOM

April 8, 2017 | 6:30 pm – 9:00 pmJoin us for a joint fundraiser and fun

evening presented by the Friends of the Library and the Horticultural Society. Come view floral interpretations of books created by florists, members of area garden clubs and individuals as you enjoy refreshments and drinks.. These lovely “book and bloom” arrangements will be displayed in the Pro-gram Room and various locations through-out the library. Tickets are $25 and may be purchased at the Main Desk in the Library.

Newburyport Public Library

INTRODUCTION TO VOLUNTEERING: BIRDING PLUM ISLAND

Do you love the outdoors and want to learn more about sharing nature with

others? Come to Joppa Flats and consider becoming an education volunteer! Joppa

Flats presents nature education to schools, groups, and families throughout the school year’ indoors at schools and outdoors in a wide variety of environments. Learn how

to do what we do, then join us! Taking these training programs is the first step in becoming an education volunteer for Joppa Flats. Date: Sat, Apr 08, 2017 8:30 am - 12:30 pm Location: Meet at Joppa Flats Education Center, One Plum Island


THE WONDER AND THE WOW: OLD TOWN HILL AND CHERRY HILL RESERVOIR

Why should kids have all the fun? Lead-ers Lisa Hutchings and Jonathan Brooks

have exciting new destinations picked out along with a few “wow” favorites. These adult trips take us far afield with plenty of time to allow a full immersion experi-

ence with friends and colleagues. We’ll set some time aside during each program for a group meal so we can extend the social

side of learning. You’ll come away with a brand-new enthusiasm for the natural

world around you! Date: Sat, Apr 08, 2017 9:30 am - 2:30 pm Location: Meet at Joppa

Flats Education Center, One Plum Island Turnpike, Newburyport.

Fee: $40. Preregistration required.

Sunday, April 9SHAKESPEARE’S OTHELLO

Friends’ board member and retired educa-tor, Kathleen Dolan, will lead a discussion of Shakespeare’s Othello, using clips from

the 1965 film version, starring Sir Laurence Olivier and Maggie Smith.

William Shakespeare’s birthdate is widely believed to be April 23,1564. The Friends

will celebrate Shakespeare during the month of April, culminating in their annual

meeting on Thursday, May 4, when actor Stephen Collins will perform selected works by Shakespeare. Date / Time::

Sunday Apr 9, 2017 3:00 PM - 4:30 PMContact: Reference 978-623-8430

[email protected] Location:Memorial Hall Library, Andover

EASTERN MASSACHUSETTS HAWK WATCH: PROGRAM ON HAWK WATCHING

Did you know that Plum Island is one of the most significant spring hawk watch-ing sites on the east coast? In contrast to the fall migration when millions of hawks migrate along ridges, flying from thermal to thermal, the spring flight is much more direct and low. Hundreds of falcons and accipiters can be seen winging their way

up the coast in powered flight - often flying less than twenty feet above the ground!

During this workshop, we will first examine the dynamics of fall hawk migration, con-centrating on movement through central Massachusetts. We will then contrast the

spring movement, especially that part that follows the eastern coast up through Plum Island. We will discuss the similarities and

differences in species composition and flight strategies, and also emphasize ways

to identify the different types of hawks that move through Plum Island.

Following the workshop, we will head over to Plum Island for a free field trip, where we will have a chance to observe and put into practice our hawk identification skills. For additional information on Eastern Massa-chusetts Hawk Watch, please visit mass-

bird.org/emhw/.Date: Sun, Apr 09, 2017 9:00 am - 11:30 am

Location: Meet at Joppa Flats Education Center, One Plum Island Turnpike,

Newburyport.Fee: $10. Preregistration required.

Tuesday, April 11TECH @ MHL: IPADS AND TABLETS

Do you have a new (or old!) iPad or tablet that you don’t really know how to use? Or are you looking into getting a tablet but

not sure which one you’d like? Come to our drop-in iPad and tablet program with any

questions you may have about:-general navigation and use of the touch

screen -downloading apps-using library resources on your tablet

Date / Time:: Tuesday Apr 11, 2017 7:00 PM - 8:00 PM Contact:

Reference 978-623-8430 [email protected]: Friends Alcove 2

Memorial Hall Library, Andover

Friday, April 14SCRABBLE FRIDAYS

Scrabble Fridays 10:30-1:30BYO snacks April 14 & 28


Tuesday, April 18CLASSIC MATINEE

Join us Tuesday mornings in April for clas-sic musicals starring Fred Astaire and Gin-

ger Rogers. Today we watch The Barkleys of Broadway (1949). Date / Time::

Tuesday Apr 18, 2017 10:00 AM - 12:00 PMContact: Sarah 373-1586 smoser@haver-

hillpl.org Location: AuditoriumHaverhill Public Library

Thursday, April 20MHL’S THURSDAY MOVIE: MUCH ADO

ABOUT NOTHINGA modern retelling of Shakespeare’s classic

comedy about two pairs of lovers with different takes on romance and a way with words. Starring Alexis Denisof, Amy Acker,

Fran Kranz. Directed by Joss Whedon; 2013; Lionsgate; Rated PG-13; 109 minutes.

Free film screenings in Memorial Hall. Films in this series may not be appropriate for all audiences. Start time varies depending on

the film. Date / Time::Thursday Apr 20, 2017 6:30 PM - 9:00 PM

Contact: Reference 978-623-8430 [email protected]

Location: Memorial HallMemorial Hall Library, Andover

Friday, April 21MOVIE FRIDAY!

1:30-3:30 p.m. BYO snacksLion rated PG-13


MASS SENIOR ACTION COUNCIL, NORTH SEACOAST AREA

On Friday, April. 21, from 10:00 to 11:30, Mass Senior Action Council, North Seacoast area, will meet at the Newburyport Senior Center on High St., meetings are always on

the third Friday. Adults from any, and all Greater Seacoast area towns are invited, you need not be a senior or a member to

attend. Our meetings begin promptly at 10:00 with a very short report from the

previous month, a speaker, and following our speaker, time for discussion, coffee,

and a 50/50 raffle. This Month’s speaker is Fire Chief, Christopher Le Claire, who will be talking with us about Fire safety with

tips especially for older adults.

Saturday, April 22YOU, TOO, CAN COMPOST!

Roots Compost showing off one of their trademark buckets

Your food scraps are worth their weight in gold...or dirt! Whether you have a garden, a

lawn, or just a few window boxes, com-posting can vastly improve the health of your plants. Join Roots Compost for a full rundown of why, how, and what to com-

post. Date / Time:: Saturday Apr 22, 2017

10:00 AM - 11:00 AM Contact:Anna 978-686-4080 x12 agoodingcall@

nevinslibrary.orgLocation: Garden Room

Nevins Memorial Library, Methuen

Monday, April 24GREG MAICHACK:

THE ART OF PASTEL WORKSHOPTHE PASTEL ART OF GEORGIA O’KEEFFE:

MODERN AMERICAN ABSTRACTIONBecome inspired to create beautiful pastel paintings by exploring America’s foremost modernist pastel painter of flowers. Focus-ing on the calla lily, participants will work in tandem with artist, Gregory Maichack, to experiment with hundreds of pastels and to learn pastel handling techniques

O’Keeffe used in her art -- scum-

bling, feathering, blending, slurring, edges, and layer-ing. How layering is accomplished without fixatives

for achieving O’Keeffe’s “clean”

look will be a focus, as well as building an ab-

stract foundation through Leonardo da Vinci’s revolu-tionary drawing

technique.All materials

provided. Space is limited to 16 par-

ticipants. Registra-tion required.

Sponsored by the Friends of MHL.

Date / Time:: Mon-day Apr 24, 2017 6:30 PM - 8:30

PM Contact:

Reference 978-623-8430 [email protected]: Activity Room

Memorial Hall Library, Andover

GENEALOGY CLUBThe Genealogy Club will meet the last

Monday of the month. We will offer sug-gestions for genealogy, offer speakers, and

webinars. Everyone is here to help one another. Date / Time::

Monday Apr 24, 2017 1:00 PM - 3:00 PM Contact: Margie Walker 978-388-8148

[email protected]: Amesbury RoomAmesbury Public Library

Thursday, April 27THURSDAY EVENING BOOK CLUB

Thursday Evening Book Club meets the last Thursday of every month. For more

information ask at Main Desk.Date / Time:: Thursday Apr 27, 2017

6:00 PM - 8:45 PMLocation: Milhendler Room

Haverhill Public Library

Please send any events you would like considered for the Calendar of Events to [email protected]

3rd Annual There’s No Excuse for Child Abuse Walk-A-ThonSaturday, April 8th

Registration 9:30 AM / Start Time 10:30 AMTwo Mile Walk

At Haverhill Police Station 40 Bailey Blvd. Haverhill, MADonation is $5 per walker. Free for adults attending with children.

Entertainment by DJ Davie K -Face Painting - Photo Booth – Refreshments

Contact Meghan McLaughlin [email protected]

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