03.08.2013 Views

My Generation August 2010 - Keep Me Current

My Generation August 2010 - Keep Me Current

My Generation August 2010 - Keep Me Current

SHOW MORE
SHOW LESS

You also want an ePaper? Increase the reach of your titles

YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.

AUGUST <strong>2010</strong><br />

Big spenders


2<br />

July 6–September 30, <strong>2010</strong><br />

* See sales associate for Rebate Form with complete details and qualifi ed models. Only valid at participating KitchenAid Brand<br />

retailers. Rebate in the form of a KitchenAid Brand MasterCard ® Prepaid Card by mail. This promotional event may not be combined<br />

with other offers. Not valid for purchases made at Contract Distributors, Lowe’s, Sears or the Great Indoors. ®Registered<br />

trademark/ Trademark of KitchenAid U.S.A.<strong>2010</strong>. All rights reserved. To learn more about the entire KitchenAid Brand line, please visit<br />

KitchenAid.com. Cards are issued by Citibank, N.A. pursuant to a license from MasterCard International Incorporated. MasterCard is a registered<br />

trademark of MasterCard International Incorporated. This card can be used everywhere Debit MasterCard cards are accepted. Form<br />

No. KM10070079RNCP. Printed in U.S.A 6/10. STM-10134 WPAW<br />

LP Furniture, Appliance & Flooring<br />

54 Bridgton Road, Westbrook • (207) 797-3621<br />

HOURS: Monday - Saturday 9am-5pm


PUBLISHER’S NOTE<br />

No question, boomers rule<br />

Maine is booming. Seriously. According to a<br />

story in this issue of <strong>My</strong> <strong>Generation</strong> by staff writer<br />

<strong>Me</strong>lissa Wood, Maine is second only to Vermont<br />

in the number of baby boomers who live here.<br />

Boomers make up 30 percent of the population in<br />

Maine – and that is very good news for the Maine<br />

economy. Baby boomers make and spend the most<br />

money. That’s not just true of Maine, it’s true across<br />

the country.<br />

And, as Wood points out in her piece, “boomers<br />

don’t follow trends, they set them.”<br />

Think about some of the trends that boomers<br />

are setting as you read the stories in this issue. According<br />

to <strong>Me</strong>g Maiden of the Maine Windjammer<br />

Association, many boomers are chartering sailing<br />

vessels for their summer family reunions. This sure<br />

beats kicking back on the farm in the 90 degree heat.<br />

Read more about the different food, wine, and other<br />

“working” cruises you can take on page 7. If you<br />

are more of a land-lover, check out the interesting<br />

packages that the Inn by the Sea in Cape Elizabeth<br />

has put together for their summer guests. Or, if you<br />

are more inclined to have a “working” vacation, you<br />

may interested in building a piece of furniture for<br />

yourself with the folks at Thos. Moser.<br />

So many options, I want to choose them all.<br />

<strong>Keep</strong> reading and you will learn about specialty<br />

PUBLISHER<br />

Lee Hews<br />

EDITOR<br />

Jane P. Lord<br />

ADVERTISING<br />

MANAGER<br />

Mark Hews<br />

PRODUCTION<br />

MANAGER<br />

Jonathan Morse<br />

DESIGN &<br />

PRODUCTION<br />

Kate Audette<br />

Katie Bell, Joe Cote<br />

Traci Goff<br />

medical testing that only money can buy. Boomers<br />

are the generation that is ordering up a long list of<br />

high-end tests to determine how healthy they are,<br />

how long they will live, and how they can best take<br />

care of themselves based on the test results. Read<br />

more on page 4.<br />

Boomers don’t limit their spending on themselves.<br />

They are spending some of their hard-earned money<br />

on their dogs. The family dog is no longer subjected<br />

to sleeping out on the back porch or chained in the<br />

backyard dog house – boomer beasts are sent to the<br />

fi nest “inns” and day cares that money can buy. And<br />

I know some boomers who have actually put off buying<br />

their own health care so that they can send Max<br />

and Minnie to day care while they work as a downtown<br />

lawyers. This is a national trend, too. Mike<br />

Higgins writes in his story on page 11, “According to<br />

the American Pet Products Association, Americans<br />

spent $45 billion in pet products in 2009, and that<br />

fi gure is projected to rise to $47 billion for <strong>2010</strong>. A<br />

big chunk of that money is from aging, fi nancially<br />

secure baby boomer, who face empty homes after<br />

their children leave, say those in the industry.”<br />

Hmmm, maybe I should have started a doggie day<br />

care business instead of a newspaper company.<br />

Thanks for reading.<br />

Lee Hews<br />

Publisher<br />

mygeneration<br />

1946-1964 THE BABY BOOMER YEARS<br />

A monthly publication by <strong>Current</strong> Publishing<br />

WRITERS<br />

Mike Higgins<br />

Taryn Plumb<br />

<strong>Me</strong>lissa Wood<br />

840 Main Street, PO Box 840, Westbrook, ME 04098<br />

(207) 854-2577 • Fax (207) 856-5530<br />

Email: mygeneration@keepMEcurrent.com • www.keepMEcurrent.com<br />

© <strong>2010</strong>. All Rights Reserved. All logos and trademarks are property of their respective owners.<br />

No part of this publication may be reproduced without written permission from the publisher.<br />

AUGUST <strong>2010</strong> 3<br />

inside<br />

ADVANCED MEDICAL TESTING ........4<br />

BIG MONEY, BIG IMPACT ..................6<br />

HIGH-END VACATIONS .......................7<br />

PAMPERING OUR POOCHES ........... 11<br />

55+ COMMUNITIES .......................... 13<br />

FITNESS ............................................... 14<br />

Cover photo: The Inn by the Sea offers well-heeled boomers and<br />

others opportunities to relax, but also active vacation activities such<br />

as classes on how to grow a garden weigh station, or a guided canoe<br />

or kayak tour. Courtesy photo


4<br />

Advanced medical testing<br />

Cough up a lot of money for these<br />

By Taryn Plumb<br />

We’re all familiar with the regular-old<br />

heckup: the waiting, the johnny, the coughng.<br />

But how about this instead? Full body scans<br />

nd body composition analyses, blood tests<br />

creening for dozens of diseases, EKGs and<br />

AT scans, and intimate, in-depth discussions<br />

ith dozens of specialists and therapists.<br />

It’s called advanced medical testing, and,<br />

articularly geared toward the well-heeled<br />

oomer set, it’s the cutting edge in undertanding<br />

bodily functions, interior makeup,<br />

ancer and disease risks, as well as genetic<br />

oots – if you’ve got the cash for it, of course.<br />

Brace yourself. Prices range anywhere<br />

from $500 to $6,000, depending on your age<br />

and how in-depth you go want to go. And,<br />

although some limited aspects of the tests can<br />

be billed to insurance companies, according<br />

to experts, the bulk of the bill is yours to foot.<br />

Here in Maine, options are limited – but<br />

those willing to take a trip have many more<br />

opportunities to plumb the boundaries of<br />

their own bodies.<br />

In Boston, for instance, Massachusetts<br />

General Hospital offers an “executive physical<br />

program,” comprising several hours of<br />

examination, according to its website.<br />

The extent of the exam is based on the<br />

American <strong>Me</strong>dical Association’s age and gen-<br />

der guidelines, as well as the patient’s medical<br />

history, according to Mass General. But typically,<br />

it includes a comprehensive physical,<br />

colorectal cancer screening, EKG, body composition<br />

analysis, hearing and visual tests, immunizations,<br />

and various lab tests examining<br />

urine, cholesterol, blood sugar, and thyroid,<br />

liver and kidney function. Women also get a<br />

pap smear; men, a prostate exam.<br />

Not extensive enough? Additional components<br />

(subject to extra fees) can include a<br />

mammogram, audiology evaluation, eye examination<br />

with glaucoma screening, nutrition<br />

consult, chest X-ray, cardiac arrest test, dermatology<br />

evaluation, bone density test, and a<br />

colonoscopy, according to Mass General.<br />

When you’ve made the right decision, you know.<br />

Even though we knew it was time, moving to an assisted living<br />

community was one of the hardest decisions we’ve ever had to<br />

make. But I knew we’d made the right choice when we decided<br />

to come here.<br />

I never dreamed it would feel so much like home. And it’s<br />

good to know we won’t have to move again if our financial<br />

situation changes.<br />

We looked at a lot of places. The moment we decided on<br />

the Inn at Village Square, we knew we’d made the right choice.<br />

Inn at Village Square<br />

AN ASSISTED LIVING COMMUNITY<br />

At the end of all this, the patient receives<br />

a confi dential, detailed report, including recommendations,<br />

which can be passed along to<br />

his or her primary care doctor.<br />

Looking to make more of a trip out of it?<br />

Similar all-encompassing physicals can be<br />

had at Johns Hopkins <strong>Me</strong>dicine in Baltimore,<br />

the Cleveland Clinic in Ohio, and the Greenbrier<br />

Clinic in West Virginia.<br />

But if all that’s a little too overwhelming<br />

– or if you prefer to simply focus in on a particular<br />

problem area – try the ScanDirectory<br />

of Boston. Clients can get 64-slice CT scans<br />

using rotating X-rays, virtual colonoscopies,<br />

(Continued on Page 5)<br />

123 School Street, Gorham, ME | 207-839-5101 | www.innatvillagesquare.org


Advanced medical testing<br />

(Continued from Page 4)<br />

and scans of the body, brain, heart, head,<br />

lungs, and carotid artery, according to the<br />

company’s website.<br />

<strong>Me</strong>anwhile, Canyon Ranch in Lenox,<br />

Mass., offers a panoply of intensive blood<br />

tests through the company Biophysical.<br />

For starters, the Biophysical250 is named<br />

for its function – it surveys 250 biomarkers<br />

in the blood that indicate risks for cancer,<br />

hormonal imbalances, metabolic disorders,<br />

and cardiovascular, autoimmune, viral and<br />

bacterial diseases.<br />

Cost? $3,400, according to Biophysical’s<br />

website.<br />

Other tests use biomarkers to scrutinize<br />

sex hormones, fatigue, appetite and obesity,<br />

or changes in aging; a few simply assess<br />

overall health conditions.<br />

But going beyond medical makeup, if you<br />

have more of a historical interest in where<br />

you came from, there’s also DNA testing for<br />

ncestry.<br />

With an at-home cheek swab kit – costng<br />

$245 through www.determigene.com<br />

– lab techs use DNA to hypothesize which<br />

anthropological native region you originated<br />

from, and can also match you with populations<br />

across the globe, as well as identify the<br />

various strengths of those particular populations.<br />

In any case, you’re not likely to come away<br />

saying, “Was that it?”<br />

A closer look<br />

For more information on advanced<br />

medical testing, visit these sites:<br />

http://www.massgeneral.org/executivehealthservices/programs/executivephysicalprogram.aspx<br />

http://www.scandirectory.com/fa<br />

cility/ma//boston-diagnostic-group<br />

http://www.biophysicalcorp.com/<br />

http://www.determigene.com/<br />

detail_ancestry.asp<br />

The Deliciously Sweet<br />

AUGUST <strong>2010</strong><br />

The Hundred Dollar Deal Deal<br />

It’s simple…Get an Auto Loan* with<br />

Cumberland County Federal Credit Union…<br />

Get $100 Cash<br />

Purchasing? We have great rates & the payment you want – period.<br />

Already have an auto loan? Refi nance with us. We’ll do what we can<br />

to lower your payment at an affordable rate.<br />

Call for a today quick and easy loan closing at the branch of your choice!<br />

www.cctfcu.com<br />

Falmouth • 878-3441<br />

Portland • 797-6492<br />

Gray • 657-4777<br />

Windham • 892-3359<br />

*Offer subject to fi nal loan approval, $12,000 minimum loan amount, and 36 months minimum loan term length.<br />

Special offer not available on refi nance of existing Cumberland County Federal Credit Union auto loans.<br />

Offer available through July 31, <strong>2010</strong>.<br />

5


6<br />

By <strong>Me</strong>lissa Wood<br />

Big money, big impact<br />

Boomer spending drives the economy of Maine<br />

Maybe at one time you thought you could<br />

hange the world, or at least wanted to try.<br />

erhaps as an idealistic adolescent you thought<br />

aybe you could do something to at least make<br />

difference, politically, socially or otherwise.<br />

But as a baby boomer, you already are changing<br />

the world.<br />

“Because they’re such a large part of the population<br />

on a national level, they really drive a lot<br />

of the national trends,” explained Amanda Rector,<br />

an economist specializing in demographics<br />

with the Maine State Planning Offi ce.<br />

In other words, as members of this generation<br />

go through the different stages of life, so goes the<br />

nation.<br />

“The baby boom population is so large that<br />

as they enter different life stages the economy<br />

changes to accommodate them,” according to a<br />

population outlook for 2013 to 2028 published<br />

by the Maine State Planning Offi ce.<br />

Just how much power does that mean? “They<br />

are such a large part of the population, if they<br />

decide to retire in one fell swoop, some industries<br />

would have to shut down for lack of workers,”<br />

said Rector.<br />

Thankfully that hasn’t happened, and whatever<br />

they decide to do next, there’s no question<br />

that currently boomers are at the height of their<br />

earning and spending power, a fact with farreaching<br />

effects on the rest of the economy.<br />

“Certainly they have higher earnings than<br />

other age cohorts and buy more things than<br />

other age cohorts,” said Rector.<br />

This holds true especially in Maine, where<br />

boomers make up 30 percent of the population,<br />

which means the state has the second highest<br />

percentage of boomers in the nation after Vermont,<br />

according to the State Planning Offi ce.<br />

Why are there so many boomers in Maine?<br />

Rector said the reasons vary, but include a number<br />

of older boomers who came to Maine’s summer<br />

camps or visited when they were younger<br />

and are now retiring here. At the same time, as<br />

the number of retirees is increasing, the number<br />

A few of the high-end, “distinctive” properties listed for sale in Maine by Town & Shore Real Estate in Portland.<br />

of younger people is decreasing because many<br />

of them are leaving the state to go to college and<br />

fi nd employment elsewhere.<br />

As a broker specializing in high-end, “distinctive”<br />

properties, Susan Lamb of Town & Shore<br />

Real Estate in Portland has helped clients in their<br />

50s and 60s fi nd that dream retirement home in<br />

Maine. In the past couple years, however, she has<br />

seen fewer people coming to Maine.<br />

“I think, as far as spending goes, they’re probably<br />

more conservative than they’ve been in the<br />

past,” she said. “There are many more luxury<br />

homes on the market that might have been purchased<br />

if it were a different economy.”<br />

When they are ready to buy, Lamb has found<br />

low maintenance is a key selling point for baby<br />

boomers.<br />

“Most of them prefer to buy a home that does<br />

not need work,” she said.<br />

Glenna Irvine, a buyer broker with the Landry<br />

Team at Benchmark Residential & Investment<br />

Real Estate on Munjoy Hill in Portland, has seen<br />

a buying trend of second home purchases both<br />

by baby boomers from out of state and within<br />

the state.<br />

“From what we’re seeing, it’s not just people<br />

from out of state, it’s also people who live in<br />

Maine and want a second home closer to the<br />

city,” she said.<br />

Recent clients have included couples from<br />

York and northern Maine, who kept their fi rst<br />

homes but also bought places in downtown Portland.<br />

She said Portland’s East End has proved especially<br />

attractive to these second-home buyers,<br />

who appreciate its mix of homes and old neighborhood<br />

feeling while still being in the city.<br />

“It has a real down-to-earth feel,” said Irvine.<br />

“They want to be in the city, but they also want<br />

to have that closeness of a neighborhood.”<br />

Irvine says many baby boomers – including<br />

fi ve of her clients in the last three months – are<br />

buying condos in the city to be closer to their<br />

adult children. All of the fi ve are from Maine<br />

and tend to use the city as a hub where the<br />

whole family can gather.<br />

“It’s very, very common,” said Irvine. “I think<br />

we tend to have a little bit more of a connection<br />

to our kids.”<br />

Having those kids out of the house has also<br />

changed some of the boomers’ spending habits<br />

when it comes to their vehicles, too.<br />

Clyde Bartlett of Yankee Luxury Auto said<br />

baby boomers, who make up about 50 percent<br />

of his customer base, are mostly buying smaller<br />

SUVs and convertibles for driving around in<br />

the summer.<br />

“They’re graduating from their family vehicle,”<br />

said Bartlett. “Most of their kids have<br />

grown up and gone and now they’re able to buy<br />

that car they’ve wanted all their lives. They’re<br />

fi nally able to get that luxury they’ve been waiting<br />

for.”<br />

More than anything else, however, health<br />

care spending is expected to grow as boomers<br />

reach their retirement years.<br />

“Anecdotally, it’s safe to say that older people<br />

spend more money on health care and so that<br />

is one reason why health care spending is expected<br />

to grow strongly as the baby boomer<br />

generation ages and requires more,” said economist<br />

Joel Johnson, also with the Maine State<br />

Planning Offi ce.<br />

Other consequences include a change in revenue<br />

in both income and sales taxes.<br />

“Right now, baby boomers are in their peak<br />

earning years and at the top of pay ranges,”<br />

said Rector.<br />

This means that the state receives higher<br />

payroll and income taxes from boomers and<br />

will lose that revenue once they retire.<br />

“The other side of that is they’re at their peak<br />

earning years and they’re also buying more<br />

stuff, so the state gets more sales tax revenue,”<br />

said Rector.<br />

And boomers may not retire for a while.<br />

Many may choose to wait until they’re 75 instead<br />

of 65. It’s hard to tell because boomers<br />

don’t follow trends, they create them. And so,<br />

for example, once they do retire, they may decide<br />

to spend their retirement years working for<br />

a nonprofi t as a volunteer or starting up new<br />

businesses – instead of playing golf for the next<br />

20 years.<br />

“The baby boomers have never really done<br />

anything conventionally,” said Rector. “Baby<br />

boomers tend not to follow the same pattern<br />

of behavior as previous generations in terms of<br />

working and thinking about retirement.”


AUGUST <strong>2010</strong> 7<br />

Luxury, not leisure<br />

High-end vacations:<br />

By <strong>Me</strong>lissa Wood<br />

What’s your idea of a Maine luxury vacaion?<br />

It’s probably safe to say that manual<br />

abor isn’t the fi rst thought that comes to<br />

ind.<br />

Indeed, our state has its share of fi ne hoels<br />

and restaurants, island getaways and<br />

eautiful beaches where you can spend long,<br />

azy days lounging in the sun. But it turns<br />

ut that when baby boomers have some<br />

ime off and money to spend in Maine,<br />

any are seeking hands-on, learning expeiences<br />

– even if that experience includes<br />

ome labor – without completely letting go<br />

f luxury, either.<br />

“What I’m fi nding with baby boomers is<br />

that it’s all about the experience,” said Pamela<br />

Hurley-Moser, owner of Hurley Travel<br />

Experts in Portland. “They’re not just going<br />

to sit on a beach. They want to experience<br />

culture, though they want to be pampered<br />

while experiencing culture.”<br />

That is, active baby boomers want to<br />

make the most of their “leisure” time.<br />

“Luxury vacations in Maine may not be<br />

as glitzy as vacations in other parts of the<br />

world, but they tend to be more authentic,”<br />

said Hurley. “The authenticity makes it a<br />

sought-after experience.”<br />

Hurley-Moser doesn’t have to look far<br />

to fi nd one such example of an authentic<br />

Maine “luxury” vacation. Her husband,<br />

David Moser, is the principal designer for<br />

famed Maine furniture maker Thos. Moser,<br />

founded by his father, Tom Moser. The<br />

company offers a “Customer in Residence”<br />

program, where people come from all over<br />

(Continued on Page 8)<br />

Call Gloria Walker at 207-781-4460 for a personal tour.<br />

Eliminate the stress and expense of maintaining a big house<br />

and yard. Simplify your life and enhance your retirement with<br />

the active lifestyle of OceanView at Falmouth - a community<br />

for those 55 and better. We offer a wide variety of customized<br />

cottage homes and apartments in a peaceful country setting, just<br />

minutes from Portland, Maine’s largest city!<br />

Afford yourself the active, stress-free lifestyle you deserve today!<br />

20 Blueberry Lane,<br />

Falmouth, ME 04105<br />

www.oceanviewrc.com<br />

A national historic landmark, the American Eagle was built in Gloucester, Mass., in<br />

1930. The American Eagle was the last fi shing schooner ever built in New England.<br />

Courtesy photo by Fred LeBlanc


8<br />

A private boardwalk through a bird sanctuary leads to a mile of beach at Inn by the Sea. Courtesy photo<br />

when I grow up, I want to be…<br />

Help make the dream a reality!<br />

Start saving for college today.<br />

NextGen is a Section 529 plan administered by FAME. <strong>Me</strong>rrill Lynch, Pierce, Fenner &<br />

Smith Incorporated, a registered broker-dealer, member SIPC, is the program manager and<br />

underwriter. Before investing you should carefully consider the investment objectives, charges,<br />

expenses and risks of investing in the NextGen Plan. You should also consider whether your<br />

or the designated beneficiary’s home state offers any state tax or other benefits that are only<br />

available for investments in such state’s 529 plan. Request a Program Description from your<br />

Maine bank or financial advisor, or call FAME at 1-800-228-3734 and read it carefully.<br />

Open a NextGen account.<br />

Ask your Maine bank, financial advisor, or FAME about Maine benefits.<br />

1-800-228-3734 or FAMEmaine.com<br />

CORE PERSONAL TRAINING<br />

Add Personal Training<br />

to Your Wellness Goals<br />

S•M•P•T<br />

C•O•R•E<br />

• Decrease your blood pressure<br />

• Reduce your “bad” cholesterol level<br />

• Build & maintain healthy bones,<br />

muscles & joints<br />

High-end vacations:<br />

Luxury, not leisure<br />

(Continued from Page 7)<br />

to spend their vacations working in the company’s<br />

workshop building their own piece of<br />

Thos. Moser furniture.<br />

Program coordinator Steve Wyman compares<br />

the Customer in Residence program to<br />

a “fantasy camp” experience where you get<br />

to play with Red Sox players. The difference<br />

is that you have something tangible to bring<br />

home with you at the end of the week.<br />

“You don’t have just memories and you<br />

don’t have just photographs, but you have<br />

something that you built,” said Wyman. “It’s<br />

something they can look at with pride and<br />

show people.”<br />

The cost for the program usually ranges<br />

from $5,000 to $10,000, depending on the<br />

piece of furniture the customer decides to<br />

build, as costs for materials are included in<br />

the price.<br />

During the weeklong “internship,” participants<br />

spend 30 hours in the workshop,<br />

where they build their piece of furniture<br />

with the guidance of one of the company’s<br />

master cabinetmakers as they learn techniques<br />

in fi ne woodworking. The customers<br />

in residence also have a chance to meet Tom<br />

Moser and take tours of his original studio<br />

in New Gloucester.<br />

“The cabinetmaker serves as the guide to<br />

help them build the piece but the customer<br />

does the work,” said Wyman.<br />

Wyman said the 78 people who have completed<br />

the program since its 2007 beginning<br />

have so far have included two Navy Seals, a CIA<br />

agent, an FBI agent, an orthopedic surgeon,<br />

• Boost your energy level<br />

• Reduce the risk of developing<br />

chronic illnesses like heart<br />

disease & diabetes<br />

Please visit www.smpt.biz<br />

(Continued on Page 9)<br />

SOUTHERN MAINE PHYSICAL THERAPY, P.A.<br />

Westbrook - 854-1239 So. Portland - 799-9700


High-end vacations:<br />

Luxury, not leisure<br />

(Continued from Page 8)<br />

and psychiatrist as well as architects, homemakers,<br />

engineers, professors and bankers.<br />

A chief information offi cer from Texas did<br />

the workshop with her father, a retired auto<br />

worker from Ohio, and a professor of neurology<br />

from Purdue and his wife celebrated<br />

their anniversary by building a sleigh bed<br />

together.<br />

At the end of the week, participants say<br />

it’s been “life changing,” said Hurley. To celebrate<br />

the completion of the week, attendees<br />

gather one last time for the a graduation/<br />

signing ceremony where Tom Moser signs<br />

the pieces of furniture made by participants,<br />

which can be quite an emotional event.<br />

“These grown men have tears in their<br />

eyes,” said Hurley. “It’s really quite something.”<br />

To fi nd another example of an “authentic”<br />

Maine luxury vacation, look toward the<br />

sea. The coastline is, of course, what lures<br />

Get more out of life with<br />

a reverse mortgage<br />

This free video from <strong>Me</strong>tLife Bank can show you how.<br />

If you’re a home owner age 62 or older a<br />

reverse mortgage could give you the fi nancial<br />

fl exibility you need. And <strong>Me</strong>tLife Bank—a<br />

<strong>Me</strong>tLife company—has the expertise to help<br />

you get the most from a reverse mortgage.<br />

Call today for your free reverse mortgage video and information<br />

kit—there’s no obligation.<br />

Steve Eastman<br />

Reverse Mortgage Consultant<br />

800-416-4748<br />

®<br />

All loans are subject to property approval. Certain conditions and fees apply. Mortgage fi nancing provided<br />

by <strong>Me</strong>tLife Bank, N.A., Equal Housing Lender. © <strong>2010</strong> METLIFE, INC. R0610110496[exp0511][All States][DC] © UFS<br />

Windjammers sometimes anchor at the head of Somes Sound, near the village<br />

of Somesville on Mount Desert Island, where this picture-perfect foot bridge can<br />

be found. Courtesy photo by Capt. Noah Barnes<br />

many to spend their vacations here. For<br />

some, however, it simply is not enough to<br />

just gaze at it from the shore, but to experience<br />

the thrill of the ocean fi rst hand.<br />

“I think one of the neatest possibilities<br />

is to charter a windjammer for your family<br />

12235<br />

reunion,” said <strong>Me</strong>g Maiden of the Maine<br />

Windjammer Association. “That could be<br />

the ultimate fun way to spend time with<br />

your family.”<br />

The fl eet of tall-masted schooners that<br />

belong to the association can be chartered<br />

AUGUST <strong>2010</strong><br />

Being an Employee Owned Company (ESOP)<br />

means that every co-worker has a vested<br />

interest in you and your vehicle.<br />

200 Narragansett St.<br />

Gorham, ME<br />

(207) 839-2500<br />

495 Presumpscot St.<br />

Portland, ME<br />

(207) 842-2500<br />

631 Elm St.<br />

Biddeford, ME<br />

207) 284-2500<br />

33 Pleasant Hill Rd.<br />

Scarborough, ME<br />

(207) 883-0404<br />

643 Main St.<br />

Springvale, ME<br />

(207) 324-2500<br />

9<br />

with prices depending on the size of the boat<br />

and number of days at sea. Maiden said the<br />

cost for a group of 20 to charter a boat for<br />

four days is about $9,000 to $10,000. Each<br />

cruise includes a captain and crew, though<br />

passengers can also learn how to sail during<br />

the excursion if they want to.<br />

“There’s something for everyone as far as<br />

the activity level,” said Maiden, who said<br />

that passengers can lend a hand, but “it’s<br />

defi nitely not enforced.”<br />

For those who want to go a step further<br />

in their seamanship skills, the schooners<br />

also offer specialty cruises where you can<br />

learn the ins and outs of sailing. Other<br />

themed trips include a knitting cruise, a<br />

chocolate-lovers cruise, and excursions<br />

where time spent on the ocean is also<br />

time spent learning about topics as diverse<br />

as photography, geology, astronomy,<br />

and the subtleties of wines from different<br />

regions of the world. The schooner<br />

Stephen Taber hosts a popular winetasting<br />

cruise where the captain’s wife,<br />

(Continued on Page 10)


10<br />

A rowboat in waiting: guests will catch a ride back to their windjammer after an<br />

island excursion. Courtesy photo by Fred LeBlanc<br />

High-end vacations: Luxury, not leisure<br />

(Continued from Page 9)<br />

Jane Barrett Barnes, leads nightly tastings<br />

and discussions.<br />

“It’s a small, intimate group, and you really<br />

get to learn a lot about wine,” said Maiden.<br />

The wine cruises include meals cooked on<br />

the ship’s woodstove paired with wines. Each<br />

night, the 20 guests sample wines from eight<br />

bottles featuring wines from a different country.<br />

For a six-day tour, the price per person is<br />

$1,138.<br />

Dedicated foodies can also spend their time<br />

in Maine not just sampling the local cuisine,<br />

but also taking part in its harvest and preparation.<br />

Guests at the Inn by the Sea in Cape<br />

Elizabeth – the only place in Maine that has<br />

a certifi cate from Virtuoso, a high-end network<br />

that selects the best of the best of the<br />

best in luxury travel – can catch their own<br />

lobsters or join the inn’s executive chef as he<br />

selects ingredients from Portland markets.<br />

Cruises on the Lucky Catch offer an opportunity<br />

for guests to pull their own traps<br />

and then purchase those same lobsters for a<br />

private lobster bake, at one of the inn’s cottages.<br />

Packages start at $709 per night for<br />

four people. There is an additional $100 surcharge<br />

for a private lobster bake.<br />

The inn also offers a foodie package. Starting<br />

at $755 per night, guests get some one-onone<br />

time with Mitchell Kaldrovich, executive<br />

chef at the inn’s Sea Glass restaurant, who<br />

will shop with guests and then invite them<br />

him into his kitchen, where he teaches them<br />

how to create the evening’s repast.<br />

“He works really hard to fi nd fresh produce<br />

from neighborhood farms or the sea,”<br />

said Rauni Kew, of the Inn by the Sea, who<br />

noted that using local ingredients is important<br />

to the chef.<br />

“He really celebrates Maine food in a big<br />

way. He actually puts the grower and farm<br />

names on the menu to show people where<br />

the food is coming from.”<br />

Active guests can also take classes on how<br />

to grow a garden suitable for wildlife habitat<br />

in their own yards (the inn is surrounded by<br />

both certifi ed wildlife habitat and butterfl y<br />

weigh stations) or take guided canoe or kayak<br />

tours with an Audubon guide to learn about<br />

local wildlife on the nearby marsh.<br />

Ready to relax yet?<br />

Luxury doesn’t always have to mean staying<br />

busy all the time. Guests and day trippers<br />

alike can indulge in some leisure time at the<br />

inn’s spa, which offers an authentically Maine<br />

“Sea Wave” massage for $150. The 90-minute<br />

treatment features an undulating bed that<br />

mimics the ebb and fl ow of marine motion<br />

and sounds of the nearby sea.<br />

“So it’s the ultimate Maine coastal experience,”<br />

said Kew. “You really feel as if you’re<br />

at the beach having that massage.”<br />

Bob Fontaine of Thos. Moser, left, partnered with customer Ted Bryant of<br />

Richmond, Va., to build a Windward One Place in Walnut. Courtesy photo<br />

A lobster feast, complete with corn, potatoes and all the fi xings, is the highlight of<br />

every windjammer cruise. Courtesy photo by Jim Dugan


A dog’s life<br />

By Mike Higgins<br />

Let’s face it, sometimes we all fantasize about<br />

aving a dog’s life.<br />

Think of how good some dogs have it. Their<br />

eals are brought to them and they don’t have<br />

o cook or clean up after themselves. They<br />

on’t have to go to a job, their days are spent<br />

nding a comfortable spot to take a nap and, if<br />

he mood strikes, an occasional bark at somene<br />

passing by. And when everyone comes<br />

ome at night, there’s a walk to look forward<br />

o and maybe even a lap to sit on while watchng<br />

TV.<br />

And today, there are more ways than ever<br />

o pamper your dog, from the typical toys and<br />

reats, all the way to a local doggie day care<br />

hat features luxury suites for overnight guests.<br />

here’s no shortage of ways that local boom-<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

ers can spend money making sure their dogs<br />

have the best life possible.<br />

It’s a national trend. According to the<br />

American Pet Products Association, Ameri-<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

AUGUST <strong>2010</strong><br />

Big-spending boomers<br />

pamper their pooches<br />

cans spent $45 billion in pet products in 2009,<br />

and that fi gure is projected to rise to $47 billion<br />

for <strong>2010</strong>. A big chunk of that money is<br />

from aging, fi nancially secure baby boomer,<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

<br />

11<br />

who face empty homes after their children<br />

leave, say those in the industry.<br />

“People will continue to spend above and<br />

beyond on their pets as the population ages<br />

and pets take the place of children at home,”<br />

according to Small Business Trends, a company<br />

that examines business growth and trends<br />

in the U.S.<br />

In Maine, one company, Planet Dog, has<br />

been around since 1997, and specializes in<br />

products, as their company motto says: “made<br />

for dogs, by dog lovers.”<br />

“We believe strongly that the dog is a member<br />

of the family,” said Jessica Hussiere, a<br />

member of the customer support department<br />

at Planet Dog.<br />

Indeed, Planet Dog has plenty of options<br />

(Continued on Page 12)


12<br />

Big-spending boomers<br />

pamper their pooches<br />

(Continued from Page 11)<br />

for dogs of all ages and sizes, with toys ranging<br />

from soft toys for puppies, to tougher chew toys<br />

for adult dogs and even a line of softer toys for<br />

older dogs.<br />

“There are a lot of pampering options out<br />

there,” Hussiere added.<br />

In fact, some of the pampering options for<br />

dogs are more expensive than products for humans.<br />

For example, one online retailer, which goes<br />

by the apt name “Upscale Pup,” advertises spa<br />

robes for dogs. One robe, the Darling Duckie,<br />

goes for $19.99. A plain robe of similar quality<br />

for humans is advertised on one major retailer’s<br />

site (no names, but think “Tar-jay”) for $16.99.<br />

But, hey, the dog robe has a duckie on it.<br />

While it’s very important to keep your pet’s<br />

nails trimmed, colored nail polish is a little over<br />

the top. But if you want your dog to be on the<br />

cutting edge of canine fashion, Upscale Pup has<br />

six colors of dog nail polish in colors like “fi re<br />

engine red” and “bow wow green” for $11.95<br />

a bottle. Looking at our major retailer, a similar<br />

size bottle of polish costs $4.99, but “bow wow<br />

green” is sadly, unavailable.<br />

But pooch pampering goes far beyond bathrobes<br />

and nail polish.<br />

How about a stay in an upscale hotel?<br />

Portland’s Eastland Park Hotel welcomes pets<br />

for a fee of $30 per night (added to the regular<br />

room rate). But that fee does more than just get<br />

the dog into the door. Each pooch checking in<br />

to the Eastland gets a special edible treat, a toy<br />

to take home, a copy of “The Ultimate Guide<br />

to Dog Parks, Beaches and Trails in Maine”<br />

and a copy of Downeast Dog News. They<br />

even offer dog walking services for those guests<br />

whose human companions want to spend some<br />

extra time out exploring the city.<br />

But what about the times when the dogs<br />

aren’t staying in a hotel, dreaming about room<br />

service Milk Bones?<br />

There’s always doggie day care.<br />

In recent years, doggie day cares have become<br />

a booming business. They are exactly<br />

what their name implies, places where dog<br />

owners who don’t want their furry friend alone<br />

all day can bring their dog to play and socialize<br />

with other dogs.<br />

One such place is Camp Bow Wow in Portland.<br />

A franchise of a national company, Camp<br />

There are more and more options out there for boomers and others to pamper<br />

their dogs, with one such option being doggie day care. These dogs at Portland’s<br />

Camp Bow Wow – with prices starting at $26 a day – are happy to run and play<br />

with their furry friends all day.<br />

Bow Wow is owned by Jill and Gary Mansir,<br />

who turned their love of dogs into a business<br />

two years ago.<br />

Jill Mansir said that she not only owns a doggie<br />

day care, she is also a pet owner herself, and<br />

she knows a thing or two about pampering her<br />

three dogs.<br />

“We buy them special food,” she said. “They<br />

probably have more beds in the house than any<br />

one of us have. They have three beds in the living<br />

room and two beds in the bedroom besides<br />

sleeping in our bed.”<br />

Her dogs also have their own special cookie<br />

treats and they have a large toy box that they<br />

can rummage through.<br />

At Camp Bow Wow, the dogs have all the<br />

comforts they could possibly need. When they<br />

arrive, they are taken to a large indoor/outdoor<br />

play yard, which is separated by the dogs’ size,<br />

so smaller dogs are with dogs of their own size.<br />

A recent visit to Camp Bow Wow found all the<br />

dogs playing and eagerly barking to welcome<br />

the visitors in their midst.<br />

Mansir said that she has seen her share of<br />

lovingly pampered pooches come into Camp<br />

Bow Wow; in fact, some of them are regular<br />

customers.<br />

“We have a handful of dogs come in fi ve days<br />

a week. Some of those dogs get a bath once a<br />

week and a nail trim,” she said. “People are always<br />

spending money on that type of thing.”<br />

A day at Camp Bow Wow starts at $26 for<br />

one dog, and 10- and 20-day packages are<br />

available at a discount. Grooming, which is by<br />

appointment only, ranges from $15-$32, depending<br />

on the size of the dog.<br />

And people who miss their dogs while they<br />

are off having fun at camp don’t have to worry.<br />

They can watch their dogs on a live, streaming<br />

web cam and now even on their mobile phones<br />

thanks to an iPhone application that allows pet<br />

owners to watch the feeds from the cameras<br />

from anywhere in the world.<br />

“A lot of people will spend that $1.95 so<br />

when they go away on trips they get to watch<br />

their dogs,” Mansir said, adding that she also<br />

hears from people who have been keeping track<br />

of their dogs throughout the day. “I can’t tell<br />

you how many people will call and say, ‘I can’t<br />

see my dog on the camera, where are they?’”<br />

she said.<br />

Dog owners with an iPhone can check<br />

up on their dogs from anywhere in the<br />

world on Camp Bow Wow’s iPhone<br />

application.<br />

Some dog owners want nothing but the<br />

best for their dogs and this luxury cabin<br />

at Camp Bow Wow certainly fi ts the bill.<br />

It features artwork, a large bed and even<br />

a fl at screen TV.<br />

Staff photos by Mike Higgins<br />

Camp Bow Wow also has facilities for dogs<br />

that need to stay overnight while their families<br />

are out of town. These range from simple<br />

“cabins,” which are large wire crates with beds<br />

and food and water, which start at $37 per night<br />

for one dog, all the way to the “luxury suites,”<br />

which feature a private room with a large bed,<br />

toys, food and water, piped in music and a small<br />

fl at-screen television mounted on the wall. The<br />

luxury suites start at $46 per night for one dog.<br />

“At night, we pipe in ocean sounds and CDs<br />

that we rotate,” Mansir said.


AUGUST <strong>2010</strong> 13<br />

look better and better<br />

55+ communities<br />

Look around many suburban areas,<br />

nd you are likely to fi nd age-restrictd<br />

communities catering to adults<br />

ho have hit the magical age of 55.<br />

At this age you may be thinking of<br />

etirement or are ready to put in a few<br />

ore years on the job. What you may<br />

e looking for is a home that is less<br />

aintenance, meets your needs (intead<br />

of the needs of kids who have<br />

ong left the nest), and offers conveience<br />

items all in one package. That<br />

s just what 55+ communities, also<br />

nown in some places as “active adult”<br />

r “lifestyle communities,” offer.<br />

Forget preconceived notions about<br />

senior living.” These are not nursng<br />

homes or assisted living facilities.<br />

hey are simply subdevelopments<br />

hat traditionally offer homes and<br />

menities to an age-restricted group.<br />

Some communities will even allow individuals<br />

ages 18 and older to live in<br />

the homes, provided there is at least<br />

one other individual in residence who<br />

meets the age requirement.<br />

55+ housing offers many advantages<br />

to interested individuals:<br />

• Amazing amenities: Active<br />

adult communities are more than just<br />

homes. They typically are built on<br />

a sprawling campus complete with<br />

clubhouse, pools, exercise rooms, and<br />

nature trails. Most offer recreational<br />

activities such as craft classes, movie<br />

trips, card games, and much more.<br />

• Proximity to friends and family:<br />

Active adult homes are cropping<br />

up in suburban areas all around the<br />

country. Their popularity and availability<br />

has grown as more baby boomers<br />

reach age 55. Because of this, in-<br />

dividuals can still live close to friends<br />

and family – and continue all of their<br />

social visits – but have the convenience<br />

of adult living.<br />

• Desireable home designs: New<br />

homes are being built with open fl oor<br />

plans in a variety of styles. Many feature<br />

single-level living, to eliminate<br />

the need for scaling steps. Energy effi<br />

cient materials and many other features<br />

make these homes desireable<br />

and attractive.<br />

• Security and safety: Many communities<br />

are gated with announced<br />

visitors and have private security patrols.<br />

Some are located in close proximity<br />

to hospitals and other medical<br />

care in the event there is an emergency.<br />

•Social gatherings: It’s easy to<br />

meet friends of similar ages and like-<br />

minded interests in a 55+ development.<br />

•Transportation convenience:<br />

If you don’t like to drive, that’s taken<br />

care of in an active adult community.<br />

Transportation to stores, places of<br />

worship, and even doctors’ appointments<br />

can be arranged, with costs<br />

generally covered in monthly association<br />

fees.<br />

• Maintenance-free: For those<br />

who want to forget about snow shoveling<br />

or lawn mowing, 55+ communities<br />

are perfect. Dues cover most<br />

exterior maintenance, such as snow<br />

removal, trash pick-up, lawn/garden<br />

maintenance, pool care, and general<br />

grounds maintenance. Depending<br />

upon the development and ownership<br />

of the home, interior repairs may also<br />

be covered.


14<br />

in style<br />

Sweating it out<br />

By <strong>Me</strong>lissa Wood<br />

All gyms are not created equal.<br />

Sure, most have the basics: cardio,<br />

eights, televisions, an area to stretch, and<br />

hanging rooms and showers that are reaonably<br />

clean for being open to the public.<br />

But then there are places that go beyond<br />

he basics – way beyond. If you have the<br />

oney to spend, some health club and fi tess<br />

options are in a completely different<br />

ealm from your nuts-and-bolts gyms. And<br />

hese days, it’s boomers who are joining up<br />

n record numbers.<br />

According to the International Health,<br />

acquet and Sportsclub Association, older<br />

dults are hitting gyms and health clubs<br />

t a record rate. The group says the numer<br />

of health club members over 55 grew<br />

y 343 percent from 1987 to 2003, while<br />

he number of members in the 35-54 age<br />

roup increased by 180 percent. Colin<br />

ilner, CEO of the International Council<br />

n Active Aging, says that by 2012, “those<br />

umbers will increase even more dramatially.<br />

This is a market that is only going to<br />

row more and more as time goes on.”<br />

At Health Coaches on Free Street in<br />

ortland, going beyond the basics means<br />

roviding highly individualized fi tness<br />

rograms. The facility includes a private,<br />

,000-square-foot fi tness center, where<br />

embers work one-on-one with personal<br />

rainers, as well as on-site massage therapy,<br />

mall group classes and a dietician.<br />

New clients start the program by gong<br />

through an assessment process where<br />

hey are paired with a personal trainer,<br />

ho helps them develop a fi tness program.<br />

or example, a trainer more specialized in<br />

ports medicine may work with someone<br />

raining for a marathon.<br />

“It really depends on what people are<br />

ooking for,” said Mark Holmes, president<br />

f Health Coaches. “We’re really adamant<br />

bout the assessment process.”<br />

He said that often people who come to<br />

the Health Center use it as a springboard<br />

for getting fi tness into their lives. Once they<br />

get started, they can use the tools they’ve<br />

learned to continue their fi tness programs<br />

on their own<br />

“For some people, exercise is new to<br />

them, and they don’t feel comfortable walking<br />

into a gym environment,” said Mark.<br />

Rates for personal training sessions start<br />

at $75 per hour but can go down to about<br />

$60 if purchased in a prepaid package.<br />

Therapeutic massages are $75 for a single<br />

session or $65 each for a prepaid package<br />

of six sessions.<br />

The Body Architect gym and fi tness center,<br />

located in the old J.J. Nissen Bakery<br />

building in Portland’s East End, combines<br />

luxury with cutting-edge fi tness. <strong>Me</strong>mbers<br />

enter through a private entrance in the<br />

back, then take a private elevator to the<br />

top fl oor. Inside, the facility’s stylish interior<br />

looks more like a spa than a gym, with<br />

a modern aesthetic featuring high ceilings,<br />

exposed brick, gleaming hardwood fl oors,<br />

and large windows with 360-degree views<br />

of the city and a huge fi tness deck overlooking<br />

nearby Back Bay.<br />

Owners Stephen and Antonia Anderson,<br />

who are also husband and wife, emphasize<br />

a body-mind awareness approach to fi tness.<br />

Stephen Anderson says he is only one<br />

of 15 people in the United States with a<br />

master’s degree in psychophysical movement,<br />

which combines psychology with<br />

body movement.<br />

“That’s why we wanted an environment<br />

that was conducive to a person’s well-being,”<br />

said Antonia Anderson. “Can you<br />

imagine doing yoga in the evening on the<br />

deck under the stars?”<br />

Equipment of course includes cardio<br />

machines, each with an individual television.<br />

Other amenities include spa-style<br />

showers and a lounge with high-speed Internet<br />

(though they encourage members to<br />

relax). Yes, this is a gym where you might<br />

actually want to hang out for a while.<br />

And the changing room is like having<br />

a spa experience after a workout, with a<br />

floor of pebbles encased in cement that<br />

massage the feet, and rain showers that<br />

feel like standing under a waterfall.<br />

Rates are $95 per month for a primary<br />

membership, and a spouse or other adult<br />

member of the household can join for<br />

$75. Clients can also sign up for sessions<br />

with a personal trainer for $75 per hour.<br />

<strong>Me</strong>mbership includes use of the fitness<br />

center, classes, wellness counseling and<br />

nutritional awareness.<br />

Antonia notes that everyone exercises<br />

for a different reason, whether that is to<br />

relieve stress, rehabilitate an injury, lose<br />

weight, or get in shape.<br />

“We partner with that person to get<br />

them where they want to go, and do it<br />

with compassion and support. Everyone<br />

deserves the best for themselves,” she<br />

said.


AUGUST <strong>2010</strong><br />

Greater Portland Convention & Visitors Bureau Presents<br />

Maine’s premier<br />

food and wine experience<br />

Experience why People magazine, Coastal Living and Bon Appétit regard<br />

Harvest on the Harbor and Portland, Maine as culinary sensations!<br />

October 21-23, <strong>2010</strong><br />

OCEAN GATEWAY • PORTLAND, MAINE<br />

• Grand Tasting on the Harbor • The Ultimate Seafood Splash<br />

• Savory Samplings at The Marketplace • The Perfect Pairing<br />

• Cooking demonstrations • Celebrity guest chefs<br />

• Maine’s own James Beard Award winners<br />

• Maine Lobster Chef of the Year Competition<br />

• Nationally acclaimed cookbook authors<br />

NEW FOR <strong>2010</strong><br />

• Expanded Oceanside Pavilion on Portland’s waterfront • Two tasting sessions for Saturday’s Marketplace • Increased<br />

assortment of wine, beer and spirits from Maine and around the world • Enhanced Saturday Marketplace with hundreds of<br />

Maine-made products, food artisans, epicurean purveyors, live music and cooking demonstrations<br />

HarvestOnTheHarbor.com ATTENDEES MUST BE AGE 21+<br />

15


16<br />

You supply the courage and inner strength.<br />

We’ll provide the best breast care in Maine.

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!