Summer Challenge

We’ve all been there … the weeks leading up to 70-degree weather when it’s time to shed those heavy sweaters and throw on a dress.  Squeezing into last year’s summer outfits, especially a swimsuit, makes you cringe.

Looking at pictures from your past doesn’t help either.

It’s time to kick those post-winter blues to the side and renew your New Year’s resolution.  All you need to do is commit to a six-week body and mind restoration and you’ll boost your self-esteem and confidence—fast!

Fear is one of the biggest excuses I hear as a fitness instructor.  There’s fear of having to get in shape for the summer season.  There’s fear of working out with other people.  There’s fear of being watched.

The reality is that everyone is focused on his or her own workout and getting in shape because it’s what they are committed to.

It’s time to stop being fearful and get fit.  Exercise is the first commitment a person can make.  Finding the time in a day when you’re juggling 15 different tasks at once can seem overwhelming and exhausting.

Everyone feels this way; however, it’s important to stop the guilt and start a weekly exercise schedule that’s realistic.  After starting a routine, you need to commit to it.  Put the book of excuses aside and wake up earlier if you have to.

Stick with your routine and do not give up!  This will not only improve your health, but also your happiness.

Many fit people I know wake up early and exercise before work because of the way they feel throughout the entire day from the endorphins that exercise brings.  Trust me, happiness, energy, and a positive attitude will make you feel more self-confident immediately.

I challenge you to be positive and commit to renewing your New Year’s resolution.  Take the six-week restoration challenge even if it means waking up early.

Summer’s almost here, so stop hiding behind your layers and get into physical and mental shape!

Allison Duxbury is an AFFA qualified fitness professional with over 15 years experience in group and personal training.  After many years travelling the world with her husband Rod, an officer in the British Army, they returned to her roots in Connecticut to bring up their young family and start her business: FitFocused.  Three years later, the business is thriving and her clients range from 9-year-old competitive Irish Dancers to an octogenarian veteran.

Investing For The Rest of Us: The Times They Are a-Changin’

When Bob Dylan released this song on his album of the same name in 1964, the world was at the beginning of a period of great upheaval.  The nineteen sixties was a “game changer” and its imprint is still felt very much today.  These were my teenage years when I knew little about life and less about managing money, but like a lot of people I could sense that things going forward would somehow be different than the past.  I’m getting that same sense today.

I guess there’s no getting past the reality that we – meaning the United States – has been on a spending spree like a drunken sailor out on the town.  The politicians have been able to “kick the can down the road”, but it’s time we need to start paying up.  I understand it’s tough economic times, but all that’s really done is accelerate the problem.

Back in 1964, the national debt was about 55% of the gross national product.  The number one song on the Billboard charts was “I Want To Hold Your Hand” by The Beatles.  Today, the top Billboard hit is “Grenade” by Bruno Mars and the national Debt is 105% of the GNP.  In other words, our musical tastes have taken a somewhat more violent overtone and as a nation we owe more than we earn.

So who cares that the U.S. national debt is $14 trillion dollars and shooting upward like a new Lady Gaga song?  Basically, we all should care and care enough to do something about it.

The problem itself is pretty simple.

A family that spends more than it makes, puts itself in the position of losing the ability to ever pay back what it owes.  It might keep up with debt service for a while, but if it keeps on borrowing to support its lifestyle or if interest rates rise, soon or later the family is going to go into default.

The United States Government is in pretty much the same position with one major exception.  As most of you know, the legal system in this country frowns upon families setting up money printing operations in their basements or garages.  This isn’t true of the Federal Government.  They’re allowed to print as much as they want.  You might think this solves the problem, but really only makes things worse – much worse.  Dollar devaluation and hyper-inflation could easily add to the woes, making it even more difficult to pay off the debt.

Solving the problem comes down to two actions – cutting spending and raising taxes.  You’ve heard all the rhetoric about all Americans “having to share” in the sacrifice. To a lot of Americans, this means to everyone else but them.  Everyone has their sacred cow that is not just desirable, but necessary for life itself.  We can be a selfish nation that will demand that politicians keep in place pet programs.  Having the politicians dependent on the same people for their jobs is not exactly helpful to the situation.

So what’s an investor to do? Is it time to cash in our chips and put everything under the mattress?

The answer is no if for no better reason than the cash in the bedding will just erode in spending power as the dollar devalues.  Instead like every other investment scenario look for where opportunities lie.

The stock market has been on an upward trend and there’s no reason not to ride it as long as there’s a favorable wind.  If it really starts to turn, you can always pull out and go to cash or outright short the market.  Being long term in the market doesn’t necessarily mean that you have to be in stocks every inch of the way.

You should also look at some floating interest rate investments.  When interest rates move up, these will follow that trend.

If you’re looking to raise some cash for these investments, look no further than your munis.  It’s going to be a long hard struggle for the states to get themselves out of their own holes.  Witness Wisconsin.  This is not going to be easy.

I understand that a lot of folks will say that the nation has faced a lot of problems before, but eventually has been able to keep on tickin’ like a Timex watch.  I believe that, too.  But it is time to get our collective heads out of the sand and face the pain and sacrifice coming down the road.  Make no mistake – it will change so many things, including our investment strategies.

“You better start swimming or you’ll sink like a stone. The times they are a’changin’.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing.  All performance referenced is historical and is no guarantee of future results.  All indices are unmanaged and cannot be invested into directly.

Glenn “Chip” Dahlke, a Senior Contributor to The Living Trust Network, has 30 years in the investment business. He is a Registered Representative of LPL Financial with Dahlke Financial Group.  He is licensed to transact securities business with persons who are residents of the following states: CA. CT, FL, GA, IL. MA, MD. ME, MI. NC, NH, NJ, NY.OR, PA, RI, VA, VT, WY.  Securities offered through LPL Financial.  Member FNRA/SIPC. Contact him atchipdahlke@dahlkefinancial.com or at his office in Lyme, CT at 860-434-4261

Shades of Green: Lessons Learned from a Lawn

full_4536Have you noticed the little island of green that now graces the Old Lyme landscape?

The First Congregational Church of Old Lyme’s lawn looks wonderful and the accolades just keep rolling in.  Perhaps there are weightier issues on the minds of most residents, but the story of this little patch of grass underlies a larger issue that is sweeping through the town.

At the juncture of McCurdy Rd., Ferry Rd. and Lyme St., the Congregational Church is the town’s most recognizable architectural gem and serves as Old Lyme’s gateway to the historical district.  It was little wonder that church stewards approached the decision on lawn care with kid gloves.

The church’s Environmental Committee began to explore the idea of organic treatment for the church property.  Because of its prominent geographic location, the committee realized that the church had the opportunity to embrace responsible environmental stewardship and serve as a demonstration plot for integrated organic lawn care.

It was not until the “Church Corner” project was completed that designer and church member Sally McCracken (principle of the firm Sarah Wood McCracken, Landscape Architect) was able to get the ball rolling.

Brand new granite curbs and walks characterized the church corner’s reconstruction, but there was that church lawn … in a condition that could best be described as “spotty.”  In consideration of the church’s desire to move to organic care, Sally hired Roger McNelly of East Haddam Horticultural Services LLC.  For the past year, Roger has gently guided the lawn’s revitalization.

The organic approach undertaken at the church involved specific tailoring based on soil tests performed on the property.  The organic care program has incorporated different limes, fertilizers, gypsum, humates and compost teas.  To control grubs, an insect pathogenic nematode was introduced.  Typically, successful transition to organic care might take several years, but the results just one year into the project have already yielded exciting results.

As a member of both the church’s environmental committee and the town of Old Lyme’s Conservation Commission, I’ve come to see the church lawn project as a microcosm of an issue we are facing townwide.

In keeping with new state regulations, Lyme-Old Lyme Public Schools Facilities Director John Rhodes has guided Region 18 school fields away from the use of chemical pesticides and herbicides.  This has been no small feat considering the incorporation of the new track field and the overuse of our existing fields necessitated by the ongoing high school construction.

At the same time, the town’s Conservation Commission has worked with a town committee chaired by Phil Neaton to address the conversion of all town-owned fields from chemical applications to a sustainable “green” status.

None of these changes come easily and progress seems frustratingly slow at times.  Yet, in a small town with no municipal water system, our aquifers intimately connect us all.  The chemicals sprayed on our neighbor’s lawns find their way to our streams, our lakes, our Sound and … our water wells.

Congratulations to the First Congregational Church, Region 18, and the Town of Old Lyme for taking the initial steps toward making our town a safer and more sustainable place to raise our children.

PS: Stay tuned for the ultimate test for the church lawn … will it survive the “White Elephant Sale” this Friday and Saturday?

Environmentalist Tom Sherer of Old Lyme (left) is a man with a passion for the environment. A member of Old Lyme’s Conservation Commission, he also serves on the First Congregational Church of Old Lyme’s Environmental Committee.

Old Lyme’s Gladd Takes Lead in Ithaca College Opera

Laura Gladd, daughter of Old Lyme resident Donna Gladd, performed the role of Euridice in the recent Ithaca College Theatre production of “L’Orfeo.”

Gladd is a senior vocal performance and music education major in the college’s School of Music.  Her Ithaca College main stage credits include an ensemble member in “The Little Prince,” and an understudy and ensemble member in “L’Enfant et les Sortileges” and various scenes with IC opera workshop.  Her other credits include Third Spirit in “The Magic Flute” and an ensemble member in “Pirates of Penzance” at CRS Barn Studio in Ithaca, New York.

“L’Orfeo” is an opera that retells the classical myth of the newlywed Orfeo and his heroic adventure to the underworld, risking his life in the hope of rescuing his wife.  

Coeducational and nonsectarian, Ithaca College is a nationally recognized independent college of some 6,400 undergraduates and 450 graduate students. Located in Ithaca, New York, it combines the individual attention of a small institution with the resources and offerings of a large university.

The $40K Binge

Only 30% of students enrolled in liberal arts colleges graduate in four years

Some years before the term “helicopter parent” insinuated itself into the lexicon of higher learning, a father and mother took to the road.

Among the flotsam and jetsam of “college necessities” crammed into the Ford Country Squire station wagon was their son and heir who, perhaps for the first time in his 18-year existence, had—at his father’s insistence—organized his own belongings without his mother’s aid.

Roughly an hour into the four-hour trek to school, dad squinted into the rear view mirror, scanned the hodge-podge of electronic and sports equipment and the vacuum cleaner (mother’s one allowed input), and dryly inquired, “Michael, where are your clothes?”

Having put in time a) as an undergrad; b) as a parent of undergrads; and c) as an undergrad professor, I’ve evolved the thesis that parents of college students often confuse the proverbial brake and the spur when dealing both with their students and the institutions they’re attending.

That is, the tendency can be to obsess over picayune details and to snooze at the helm when confronted with issues that may threaten their students’ success and wellbeing.

Reading Craig Brandon’s new book “The Five Year Party” well before the car departs for campus can be a helpful beginning.  Subtitled, “How Colleges Have Given Up On Educating Your Child and What You Can Do About It,” Brandon’s book makes some bold and disturbing accusations.

Among them: That many universities fail to exact minimal standards of scholarship (as in read the material, complete the assignments, participate in discussion); dumb-down grade averaging; and, by becoming de-facto education-free zones, thus over charge parents for under-serving their students.  (The book’s title refers to studies noting that today, only 30% of students enrolled in liberal arts colleges graduate in four years.)

Further, Brandon, a former education reporter as well as a former college instructor, notes that many campuses are so awash in sex, drugs and alcohol that they make National Lampoon’s 1978 classic “Animal House” look like a nursery school romp.

Alas—and here’s where the spur/brake confusion comes in—many Class of 20-Something parents tacitly accept the idea that their kids’ “rites of passage” include such infantile behaviors, and that they’re powerless to do anything about it: as if pulling the purse strings closed was not an option.

At the same time, if parents do get wind of unacceptable or failing grades (it’s an “if” because the Federal Education Rights and Privacy Act passed in 1974 makes grade reports the property of all students over age 18)), the same people who turn the blind eye to their kids flagrant waste of tuition dollars often aim righteous indignation at professors who reward their students’ non-study habits with C’s or D’s rather than A’s or B’s.

Prior to setting off for campus, then, it might be useful if both parents and students examined closely their expectations for the university experience.

To expect hard-working adults to furnish unlimited sex, drugs and rock n’ roll to their progeny at the rate of $40,000-plus-a-year might, for example, be considered a tad excessive.

It’s also reasonable that parents are entitled to some evidence that, in return for hard-earned dollars spent on her behalf, their child is returning that enormous favor and working diligently toward the purpose of college, which is to learn to think.

To exact such minimal standards of a student is hardly helicoptering; it is responsible parenting.

So much for the spur.

As to the brake: It’s also responsible, as Brandon notes, for parents to hold universities to their stated purpose of education.  A trenchant question parents might want answered, Brandon thinks, is how many of a given college’s professors send their children to their own institution.

If the term “responsibility” has cropped up several times in this piece, it’s because I think it’s time that the on-going bad behavior by some universities, students and parents comes to a halt.

If universities, in the quest for enrollment dollars, decline to exact minimal scholastic standards and turn blind, deaf and dumb to outrageous, even dangerous undergraduate behaviors, then they should retool tuition and call it a cover charge, restyle themselves social clubs, and replace professors with professional bouncers.

If students actually confuse “trying hard” with producing decent scholarship, and regard gratification bingeing as a means to that end, then they should defer college until they can discern the difference.

If parents doff their roles as mentors and leave value instruction to high schools and colleges, then parents leave themselves little recourse to demand credible grades, much less adult behaviors, from their offspring.

“Responsibility,” after all, means accepting obligations and making good on them.  It’s about owning our own actions.

And finally—how novel when discussing education—responsibility is about being smart.

Trish Bennett is an award-winning journalist and the former assistant editor of Main Street News.  She holds a master of science degree in journalism and was adjunct professor of media history at Quinnipiac University before relocating Bryn Mawr, Pennsylvania.  Her latest work appears in the up-coming volume of “This I Believe: The Personal Philosophies of Remarkable Men and Women” slated for publication in association with National Public Radio this Fall.  She can be reached at pwbennett@verizon.net