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Boomers & Beyond

Know Your Risks

The investment risk that many people may not know about 
–by Jeff Bucher
PUBLICATION DATE: JUNE 2017

Jeff Bucher

Jeff Bucher

 

 

 

 

 

 

Knowledgeable investors are aware that investing in the capital markets presents any number of risks—interest-rate risk, company risk, and market risk. Risk is an inseparable companion to the potential for long-term growth. Some of the investment risks we face can be mitigated through diversification.

As an investor, you face another, less-known risk for which the market does not compensate you, nor can it be easily reduced through diversification. Yet it may be the biggest challenge to the sustainability of your retirement income.

This risk is called the sequence of returns risk. The sequence of returns risk refers to the uncertainty of the order of returns an investor will receive over an extended period of time.

Sequence of Returns
Averages may hide dangerous possibilities. This is especially true with the stock market. You may be comfortable that the market will deliver its historical average return over the long-term, but you can never know when you will be receiving the varying positive and negative returns that comprise the average. The order in which you receive these returns can make a big difference.

For instance, a hypothetical market decline of 30 percent is not to be unexpected. However, would you rather experience this decline when you have relatively small retirement savings, or at the moment you are ready to retire — when your savings may never be more valuable? Without a doubt, the former scenario is preferable, but the timing of that large potential decline is out of your control.

Timing, Timing, Timing
The sequence of returns risk is especially problematic while you are in retirement. Down years, in combination with portfolio withdrawals taken to provide retirement income, have the potential to seriously damage the ability of your savings to recover sufficiently, even as the markets fully rebound.

If you are nearing retirement, or already in retirement, it could be time to give serious consideration to the “sequence of returns risk” and ask questions about how you can better manage your portfolio.


Jeff Bucher is the President and co- founder of Citizen Advisory Group, a comprehensive financial planning company in Perrysburg. You can contact him at 419-872-0204; email at jeff@citizenadvisory.com; visit at 770 Commerce Dr., Perrysburg; or visit the website at citizenadvisory.com.

Investment Advisory Services offered through AlphaStar Capital Management, LLC. AlphaStar Capital Management, LLC and Citizen Advisory Group are independent entities.

 

Look Ma, No Knees!

Easy breakfast ideas to fuel your workday! 
by Erika D White, Fitness Motivator & Creator of Fitzone
PUBLICATION DATE: JUNE 2017

Erika White

Erika D. White

Whoever coined the phrase “breakfast of champions” obviously has never ridden with me on the way to work; balancing a bowl of cereal while trying to drive with one knee is not easy, nor recommended! Throw in dropping off a kid or two, who also require a morning feeding, and the aggravation of morning quickly minimizes the need for breakfast to be little more than a relaxing glass of wine…whoops, we’re talking about morning, aren’t we? Rewind! …and the aggravation of morning quickly minimizes the need for breakfast to be little more than a relaxing glass of coffee. It was with daily daytime drama that the reality quickly settled in that this “breakfast of champions” fantasy wasn’t quite working out for me. Lying in bed one night, I came up with one of my best ideas ever. I would first, be retiring as the Indie one-knee driving champion; and second, I would be switching to a better alternative for my breakfast routine.

I knew my new and improved breakfast needed to follow the simple rule of the SNAP-E! (Yes, I agree that the “E” is a little vain, but hey, aren’t we all?) Breakfast was now about satiety, nutrition, affordability, portability and being relatively easy. Satiety, because it should be a mortal sin to eat and still be hungry; nutritious, because it is about eating the right foods to fuel the body; affordable, because wine and cute shoes are NOT to be negotiated; portable, because breakfast should be pocket-sized or served on skewers; and easy, because we all need that one thing we can achieve without great effort.

The real reason for breakfast is to fuel the body for whatever activity comes along the way. The right amount of protein, carbs, and fat, aka macronutrients from whole foods, don’t just get you outside the breakfast box, they smash the box. Make breakfast the best part of your day with some of my favorite fuel combinations. Skip the sugary cereals, buttery breads, and processed meats that feed your face and not your body. Don’t forget to cut your portions into mouth-sized pieces along with toothpicks for skewers and divided plates or bowls for portability. And of course, keep your knee off the wheel, your mom will thank you.
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SNAP-E ENERGY
Suggested for the morning when work is away from the desk or on the move

385 Calories
41g Carbs; 11g Fat; 34g Protein

1 medium apple
1 slice whole wheat toast
1 tablespoon almond butter
3 ounces chicken breast
(boneless, skinless)
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SNAP-E SATE
Suggested for the morning when you need to get in control of your hunger

388 Calories
31g Carbs; 15g Fat; 36g Protein

2 extra-large, hard-boiled egg whites
1-70 gram pouch of tuna, any type
(not to exceed 110 calories a serving)
2-3 avocado slices or 1 oz.
3 oz. each, cantaloupe and watermelon
12 raw almonds
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SNAP-E MAINTENANCE
Suggested for a long morning of meetings and/or conferences

330 Calories
34g Carbs; 10g Fat; 27g Protein

1 medium banana
1/8 cup chopped walnuts
1 cup of plain Greek yogurt*
*your best choice is Fage or equivalent;
if the taste is too bitter, add a teaspoon
of cinnamon and a teaspoon of sweetener
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SNAP-E BALANCE
Suggested for the morning where lasting until lunch is not an option

407 Calories
34g Carbs; 16g Fat; 33g Protein

½ cup strawberries
1 cup 0% plain Greek yogurt
½ multigrain light muffin
1 tablespoon chia seeds
1 tablespoon almond butter

More Options
If you have a nut allergy or want a few more choices, foods like salmon, avocado, olive oil, chia seeds, flax seeds, sunflower seeds, olives, hummus, and tahini are great examples of healthy fat substitutions.

For vegetarians and vegans, or anyone looking for more plant-based protein suggestions, foods like tofu, black beans, tempeh, edamame, spinach, and green peas are my favorite choices for their protein content and tastiness.

Fage, or any equivalent brand Greek yogurt, is what I recommend. Focus on the protein and sugar content when comparing to an equivalent. Fage slays the competition with its protein content. One cup, or individual container, ranges from 18-24 grams of protein.

Not a fan of Greek yogurt? I get it. Not everyone likes the creamy, thick texture. Choose a plain yogurt that is low in calories (120 or less), fat (4g or less), and sugar (less than 20g).


Erika D. White is a certified fitness professional who believes in building strong, healthy, ageless men and women.
Connect with Erika at ErikaWhite.net
or every Tuesday at noon on 13abc’s Ask the Expert

PLATES AND PLACES MAY 2017 – ROCKY POINT WINERY

Rocky Point Winery is a stone’s throw away
–by Jennifer Ruple

PUBLICATION DATE: JUNE 2017

 Jennifer Ruple

Jennifer Ruple

 

 

 

 

 

 

RED FERN INN – ROCKY POINT WINERY
111 W Main St
Lakeside Marblehead, OH
(419) 967-5344
redferninn.com

Chris Redfern’s charismatic personality keeps his customers entertained as they wait for their drinks to be poured at his Rocky Point Winery in Marblehead, Ohio. Redfern, and his wife Kim, opened the winery, along with the Red Fern Inn, in the historic 1893 Marblehead Schoolhouse in January 2015. The shift to business owners was a major life change for the couple as Redfern is the former chair of the Ohio Democratic Party and former State Legislator, and Kim was a commercial property investor and a lobbyist.

“I had grown up on Lake Erie; the lake has been in my blood,” said Redfern. “Kim and I were looking for investment properties, and we were looking to fill a niche in Marblehead that was missing. We are not a bar. We’re a winery, and we offer folks a full selection of wine, craft beers and liquor. We’ve built a fun and relaxing environment for adults as well as the whole family, and that was missing in Marblehead,” explained Redfern.

L-R: Unnati Marde, Urvashi Marde Millen and Carrie Millen are served wine by Chris Redfern

Located at 111 W. Main St., just a half mile from the iconic Marblehead Lighthouse, Rocky Point Winery is known for its selection of Midwestern wines. “We use grapes that are grown primarily on North Bass Island, near the Canadian line. There are 65 acres of grapes there,” said Redfern. “We carry 50 additional labels, 25 craft beers, and a wide variety of liquor. We try to focus on Ohio wines and beers, and we have Michigan and Canadian wines and beers as well.”

The patio at Rocky Point Winery is open for the summer season.

For those who’d like a bite to eat with their wine, Redfern mentioned, “We offer a variety of cheese plates, chocolates and crackers. We’ve recently added fresh baked bread, and we are introducing a bruschetta.” The winery also partners with the Marblehead Galley restaurant and nearby Bruno’s Pizza, which will both deliver tableside to guests at the winery.

A newly built 1,200 square foot pavilion is now open for guests to enjoy their wine outdoors under a covered area. “Our goal is to not only accommodate more guests, but to hold a number of special events here like wedding receptions, bridal showers and graduation parties,” said Redfern.

The garden at the winery is a lovely setting to relax and enjoy a glass of wine.

For those wishing to extend their stay in Marblehead, the Red Fern Inn, located on the second floor of the schoolhouse, is a perfect setting for a romantic retreat or for a trip to the lake with the family. The inn features two, 1 bedroom suites and two, 2 bedroom suites.

In addition to cozy accommodations, guests have access to bicycles, a private lounge on the grounds of the winery and several fire pits where they can enjoy a view of the lake.

The Pink Perch boutique offers whimsical and fun gift items.

Before heading home, don’t miss The Pink Perch located right across the street from the winery. The gift boutique is the Redfern’s newest venture. “We wanted to offer a unique gift shop where one can enjoy whimsical gifts and fun items. It’s geared toward the traveling public with a more critical eye.”

The historic Marblehead Lighthouse is 1/2 mile away from the winery.

The winery is open seven days a week through Halloween and features live music on Fridays, Saturdays and Sundays. Plenty of parking is available and bus tours are welcome.

 

Rock Matters JUNE 2017

Truckin’ to Woodstock … 48 years too late
–by Robert Alexander
PUBLICATION DATE: JUNE 2017

Robert Alexander; his dog Chico; and Jeryl Abramson, the owner of Yasgur’s Farm, are at the site of the Woodstock Festival in Bethel, N.Y.

On August 14, 1969, the call went out to Jim and Ed. “We’re leaving in 45 minutes.” I picked them up in my 1969 Volkswagen Squareback, and “The Dharma Bums” were on the road to Yasgur’s Farm in Bethel, N.Y. But somewhere in N.J., I turned the VW around. Warnings on the radio convinced us that the police had closed the roads leading to the Woodstock Festival. Missing the most famous rock concert in world history became a lifelong regret.

Forty-eight years later, I knew what I had to do … road trip to Woodstock. So, Stephanie and I and our loyal companion, Chico, our 100-pound black Lab, packed up the RV and headed east.

Would we find empty, mud-covered fields where the stage stood that once held Joplin, Hendrix, Cocker and Havens? Would we find Big Pink, the home where Dylan and The Band recorded The Basement Tapes? Would we be able to visit Levon Helm’s garage? Or would we find that Woodstock is just a sleepy rural town that once hosted a hippie dream of peace, love and understanding that with time, “didn’t burn out but just faded away?”

Woodstock Legends, a vintage clothing store in Woodstock, N.Y.

After a decade, rock ‘n’ roll had come of age, from Elvis to the Beatles with rockabilly, doo-wop, dance, soul, girl groups and Motown along on the journey. But the 60s were a dark period of American history with the struggle for civil rights, political assassinations and anti-Vietnam War demonstrations. The music expressed the anxiety, paranoia and dissent of the young boomer generation. Rebellion against authority and distrust of anyone over 30, led to freedom marches, peace rallies and dropping out. The Age of Aquarius had begun! The time was ripe for a celebration of love, peace and freedom.

What started as a fundraising concert to develop a rock music studio in Woodstock became a 500,000-participant event that featured sex, drugs and rock ‘n’ roll. From England came The Who, from San Francisco came the Grateful Dead, the Jefferson Airplane flew in, and The Band, well, they were in the neighborhood. In all, 32 different acts performed including Creedence Clearwater Revival, Joan Baez, Country Joe and the Fish, Johnny Winter, Blood Sweat and Tears, and Crosby, Stills, Nash and Young.

After three days and 722 miles, we pulled into Yasgur’s Farm (the site of the Woodstock Festival, 43 miles from Woodstock). Today, there is just a beautiful alfalfa field, a barn and two farmhouses, but the owner, Jeryl Abramson, invited us to come back for the reunion concert on August 11. Maybe we’ll return in 2019 for the 50-year celebration.

Robert Alexander finds Big Pink, the home where Dylan and The Band recorded The Basement Tapes.

On to Woodstock, an idyllic small town featuring art galleries, cafes and shops that attract tourists and rock and folk music fans from around the world. In Saugerties, the neighboring town, we traveled up Overlook Mountain on a dirt road and there it was… Big Pink! My rock ‘n’ roll Pilgrimage was complete.
The Playlist   

  • “For What It’s Worth,” Buffalo Springfield
  • “Freedom,” Richie Havens*
  • “Reason to Believe,” Tim Hardin*
  • “Evil Ways,” Santana*
  • “Going Up the Country,” Canned Heat*
  • “Truckin’(What a long, strange trip it’s been)” Grateful Dead
  • “Bad Moon Rising,” Creedence Clearwater Revival*
  • “Stand!” Sly and the Family Stone*
  • “Piece of My Heart,” Janis Joplin*
  • “My Generation,” The Who*
  • “Somebody to Love,” Jefferson Airplane*
  • “With a Little Help from My Friends,” Joe Cocker*
  • “The Weight,” The Band*
  • “Suite: Judy Blue Eyes,” Crosby, Stills & Nash*
  • “Born Under a Bad Sign,” The Paul Butterfield Blues Band*
  • “Purple Haze,” Jimi Hendrix*
  • “Woodstock,” Crosby, Stills, Nash & Young (written by Joni Mitchell)

*songs performed at Woodstock

Get Grilling!

Fire up the barbecue for Father’s Day
–by Jennifer Ruple
PUBLICATION DATE: JUNE 2017

In honor of Father’s Day, treat your dad or that special man in your life to an al fresco dinner that’s fit for a king. Liz Donaldson, assistant chef at Walt Churchill’s Market in Maumee, created the recipes for this three-course meal that will keep you out of the kitchen and cooking in the great outdoors.  


Red, White and Blue Salad
1 head romaine lettuce, trimmed
Extra virgin olive oil
2 tomatoes, thickly sliced
Salt and ground black pepper
1 large ball of fresh mozzarella cheese, cubed
3 ounces crumbled blue cheese
Balsamic glaze

Brush the romaine thoroughly with olive oil. Oil the tomatoes and season with salt and pepper.
Over medium heat, grill the romaine and the tomatoes until tender, turning frequently.
Remove from the grill and slice the romaine down the middle. Garnish with blue cheese, tomatoes and mozzarella. Drizzle with balsamic glaze.
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Flat Iron Steak with Roasted Vegetables
12-ounce flat iron steak
Extra virgin olive oil
Sea salt and ground black pepper
Minced garlic
Baby potatoes and carrots
Balsamic glaze or Avocado Vinaigrette
Fresh chopped parsley for garnish

In a shallow pan, marinate the steak in oil, salt, pepper and garlic, overnight or at least 2 hours.
Give the vegetables a quick boil just to take the stiffness off. Coat the vegetables in olive oil.
Heat the grill to 375-400 degrees. Grill the steak for about 5 minutes on each side for medium rare.
Remove the steak to a cutting board, cover with a towel and allow to rest.
Meanwhile, place the vegetables on the grill. Close the lid and grill for about 8-10 minutes, turning frequently.
Slice the steak thinly and arrange with the vegetables. Drizzle with balsamic glaze or Avocado Vinaigrette. Sprinkle with parsley.
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Avocado Vinaigrette
2 avocados
1 tomatillo
2 cloves garlic
1 lime, squeezed
½ bunch fresh cilantro
⅔ cup extra virgin olive oil
⅓ cup white balsamic vinegar
Salt and ground black pepper

Combine all ingredients in a blender and process until smooth. Season with salt and pepper if desired.
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Grilled Rhubarb Crisp
5 stalks rhubarb, peeled and cut in ½ inch pieces
½ cup white sugar
Juice from 1 lemon
1 cup flour
1 cup quick oats
1 ½ teaspoons cinnamon
½ teaspoon ginger
¾ cup light brown sugar
½ cup butter, softened, plus more for the pan
Vanilla ice cream for serving

In a bowl, toss the rhubarb with the white sugar and lemon juice. Set aside.
To prepare the crumble, in a bowl, combine the dry ingredients.
Cut in half of the butter.
Rub the bottom of a metal cake pan with soft butter. Add the rhubarb. Top with the crumble.
Place on the grill at medium heat. Grill for 20-25 minutes or until bubbly. Serve with ice cream.
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BOOKS FOR BOOMERS MAY 2017

–by Sue Schafer Manager, Sylvania Branch, Toledo Lucas County Public Library
PUBLICATION DATE: MAY 2017

Sue Schafer

 

 

 

 

 

 

 

Did you know that May is National Hamburger Month? Now is the time to brush up on your barbecuing skills and try some new recipes.


Here are some great books to get you started!

 

 

 

 

 

 

 

 

Bobby Flay’s Barbecue Addiction, Clarkson, Potter Publishers, 2013
By Bobby Flay
Try some of the best grilling recipes from chef-restauranteur and Food Network star Bobby Flay.
BUY HERE
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Fresh Grilling: 200 Delicious Good-For-You Seasonal Recipes, Houghton Mifflin Harcourt, 2014
By Better Homes and Gardens
Celebrate the fresh flavors of summer and the joys of outdoor grilling in a way that is light, healthy and delicious.
BUY HERE
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Grill This Not That: Backyard Survival Guide, Rodale, 2012
By David Zinczenko and Matt Goulding
With a ravenous fan base clamoring for even healthier, affordable options, the authors team up again to redefine America’s favorite pastime: the backyard BBQ.
BUY HERE
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The Grilling Book: the Definitive Guide from Bon Appétit, Andrews McMeel Publishing, LLC, 2013
This is the ultimate summertime grilling companion, featuring more than 350 recipes, full-color photographs, how-to guides, and tips to simplify your grilling life, from the experts at Bon Appétit.
BUY HERE
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Feeding the Fire: Recipes and Strategies for Better Barbecue and Grilling, Artisan Books, 2015
By Joe Carroll
The author makes stellar barbecue and grilled meats in Brooklyn, New York, at his acclaimed restaurants Fette Sau and St. Anselm. In Feeding the Fire, Carroll gives us his top 20 lessons and more than 75 recipes to make incredible fire-cooked foods at home.
BUY HERE
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Meet Virginia – A powerhouse of positive thinking

–by Mary Helen Darah
PUBLICATION DATE: MAY 2017

It’s early spring and I spot her. The other remnants of anything pertaining to the holidays are safely tucked away in their concrete holding cell, known as the basement. The last “hold out” is a wooden angel on my coffee table by a local folk artist. Her outreached arms never tire of holding a small sign that states with hopeful determination, “peace on earth.” I love her chronic optimism and every effort to replace her with a more appropriate spring genre is futile.

I have the living breathing version of my folk art treasure which might explain my unwillingness to part with her. Her name is Virginia Mason. She is an “in your face” reminder of the power of positive thinking. A friend of mine sent her my way thinking, actually knowing, that she would help me through my breast cancer journey.

Breast cancer survivor Virgina Mason, with Mary Helen Darah, is a living, breathing angel on earth.

She showed up on my doorstep one afternoon and announced that we were going wig shopping before the effects of chemo would rob me of my thick blond tresses. As we proceeded through the door of a beauty supplier in the south end, I saw an assortment of dark haired selections, an abundance having the “fro” style. I gently told Virginia that I just didn’t see anything that was sparking my interest. She stared at me and seemed to have an instantaneous epiphany that I was not a woman of color.

We headed to another local shop where a creamy white woman coaxed a foreign object on my head that made me resemble June Cleaver on a bad hair day. As she attempted to fluff me into submissiveness, she rattled off the latest statistical data on the disease that Virginia and I share. As the woman continued to slap percentages on my mortality, I felt as if my hope was being pureed in a blender and liquefied into a thick fear. Virginia locked eyes with me and repetitively declared like a Gregorian chant, “Girl, you will be FINE. You will get through this. Keep the faith.” Miraculously, an odd sense of calm was slowly squeezing out the anxiety that took up residence in every inch of my being. I would love to tell you that I maintained that peaceful state in the months ahead. Who are we kidding, it lasted roughly seven minutes. Through the trials of being injected, stuck in tubes, scanned, drained, and stitched, the panic would once again resurface. When it did, Virginia, just like my wooden angel, would stretch out her arms and remind me that there will be peace.

ROCK MATTERS MAY 2017 – BIRTHPLACE OF ROCK -N- ROLL

Journey to the birthplace of rock ‘n’ roll
–by Robert Alexander
PUBLICATION DATE: MAY 2017

Robert Alexander

Inspired by my new assignment to write a series of articles on rock ‘n’ roll for Boomers & Beyond magazine and to live the music, Stephanie and I decided to pack up the RV. With our traveling companion Chico, a 100-pound black lab, we hit the road to Memphis, Tenn., the birthplace of rock ‘n’ roll.

Paul Simon said it: “For reasons I cannot explain there’s some part of me that wants to see Graceland. Graceland… Memphis, Tennessee. I’m going to Graceland.”

Not wind, nor rain or hail could keep us from our destination: Sun Studio, the forever home of the Million Dollar Quartet: Elvis Presley, Jerry Lee Lewis, Johnny Cash and Carl Perkins. This corner in downtown Memphis is hallowed ground for rock ‘n’ roll fans.

Sun Studio in downtown, Memphis, Tenn.

Next, we visited Graceland followed by a short drive downtown to Soulsville USA, home of Stax Studios where Otis Redding, Sam and Dave, Rufus Thomas, Carla Thomas, Isaac Hayes, The Staple Singers and Booker T. and the MG’s all recorded national hits. America in the 50s and 60s was a segregated society. Rarely did blacks and whites mix, date or marry, but at Stax Studio in Memphis, black and white musicians came together to create and record great music. Rock music matters because it helped break the color barrier.

Stax Museum of American Soul Music in Soulsville, USA

Less than a mile from Soulsville is Beale Street where a visit to B.B. King’s Blues Club is a must. I can tell you that the thrill is not gone. Like Marc Cohn’s song, “Then I’m walking in Memphis, walking with my feet ten feet off of Beale.”

Delta Blues Museum in Clarksdale, Miss.

The next day, we headed south on famous U.S. Route 61 to Clarksdale, Miss., home of the Blues, where Muddy Waters, John Lee Hooker and Sam Cooke were born. Legend has it that Robert Johnson sold his soul to the devil to learn to play the Blues at the crossroads of U.S. 61 and U.S. 49. After a visit to the Delta Blues Museum, we crossed the alley and had a cold brew at Ground Zero Blues Club, partially owned by actor Morgan Freeman.

Robert Alexander and Chico relax outside of Ground Zero Blues Club in Clarksdale, Miss.

After three weeks and nearly 3,000 miles on the road, we were excited to get back home and put some good old rock ‘n’ roll records on our stereo.

Here is my southern music adventure playlist. Have a listen, or better yet, take a trip down south and live the music.

  • “Graceland” – Paul Simon
  • “Blue Moon of Kentucky” – Elvis Presley
  • “Great Balls of Fire” – Jerry Lee Lewis
  • “Matchbox” – Carl Perkins (covered by the Beatles)
  • “Tupelo Honey” – Van Morrison …Tupelo birthplace of Elvis Jackson, Johnny Cash and June Carter Cash
  • ”Walking in Memphis” – Marc Cohn
  • “The Thrill is Gone” – B.B. King
  • “Try a Little Tenderness” – Otis Redding
  • “Soul Man” – Sam and Dave (covered by the Blues Brothers)
  • “Shaft” – Isaac Hayes, “Can you dig it?”
  • “A Change is Gonna Come” – Sam Cooke
  • “I’ll Take You There” – The Staple Singers
  • “Southern Man” – Neil Young
  • “Sweet Home Alabama” – Lynyrd Skynyrd
  • “Boom Boom” – John Lee Hooker
  • “Baby, Please Don’t Go” – Muddy Waters (covered by Them, lead singer Van Morrison)
  • “Cross Road Blues” – Robert Johnson
  • “Crossroads” – Cream
  • “Stuck Inside of Mobile with the Memphis Blues Again” – Bob Dylan

 


You’re Welcome.

PLATES AND PLACES MAY 2017 – FANGBONER FARMS

Get the unexpected at Fangboner Farms
–by Jennifer Ruple

PUBLICATION DATE: MAY 2017

 Jennifer Ruple

Jennifer Ruple

 

 

 

 

 


FANGBONER FARMS

1179 S. Crissey Rd.
Holland, Ohio
fangbonerfarms.com

They say that opposites attract which seems to hold true when you meet the creators of Fangboner Farms Jan Aguilar and Roland Richardson. She’s a midwestern gal; he’s a southern boy. She’s urban; he’s rural. She’s spicy, and he’s sweet. Although, I think they are both pretty sweet.

Jan Aguilar and Roland Richardson with their 1944 Farmall tractor at the entrance of Fangboner Farms.

The all-natural herb farm, located at 1179 S. Crissey Rd. in Holland, Ohio, was planted in 2009. It’s the perfect blend of the couple’s passions – Aguilar’s love of cooking and growing culinary herbs and Richardson’s love of landscaping and farming. Their desire to meld the two created a truly unique and unexpected business.

Cynthia and Jim Nowak check out the candles at the Fangboner Farms open house.

“We’re not really sure how we came up with the idea, but we think it was over a bottle of wine,” laughed Aguilar. “We try to set ourselves apart from everyone else. Our personalities are very different too, and we take a different approach to our business,” she added.

At Fangboner, you will find dried herbs, spice blends, tea blends, soy candles, natural care products and unique gifts, as well as herbs and perennials for sale. “We have close to 40 varieties of perennials and everything is grown in our organic compost,” explained Aguilar. “We call it our Cosmic Compost because it makes everything grow out of this world,” added Richardson.

Soy candles are available in seasonal fragrances such as eucalyptus and lavender; sweet orange with hot chili pepper; and rosemary, mint and lavender

Fangboner Farms is open one weekend a month.
Each month features a different theme and delicious food and tea samples.

Upcoming dates are May 13-14 and June 10-11.
Hours are Saturday 10 a.m. – 5 p.m. and Sunday noon – 5 p.m.

 

Spice blends and dried herbs such as basil and chives line the shelves at the farm.

Lemon Rosemary Loaf
Yield: 1 loaf (12 slices)

“I love the contrast of sweet and savory. And I love lemons. And sweet loaf breads. Add it all together and you get a yummy sweet and savory lemon loaf,” said Aguilar.

½ cup butter, softened
1 cup sugar
2 large eggs
2 tablespoons lemon juice
1 tablespoon grated lemon peel
1 ½ cups all-purpose flour
1 teaspoon baking powder
⅛ teaspoon salt
¾ teaspoon ground rosemary
½ cup 2% milk

Glaze
½ cup confectioners’ sugar
2 tablespoons lemon juice

Heat oven to 350 F. In a large bowl, cream butter and sugar until light and fluffy. Beat in the eggs, lemon juice and peel.
Combine the flour, baking powder, salt and rosemary; gradually stir into creamed mixture alternately with milk, beating well after each addition.
Pour into a greased 8×4-in. loaf pan. Bake for 45 minutes or until a toothpick inserted near the center comes out clean.

Combine glaze ingredients. Remove bread from pan; immediately drizzle with glaze. Cool on a wire rack. Serve warm.
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Snickerdoodle Cookies
These warm sugar cookies with cinnamon remind Aguilar of her grandmother. “I decided to change them up just a bit – Fangboner style. Lavender gives them just an extra special touch – perfect with a cup of tea.”

1 cup butter, softened
1 ½ cups sugar
2 eggs
2 teaspoons vanilla extract
2 ¾ cups all-purpose flour
2 teaspoons cream of tartar
1 teaspoon baking soda
½ teaspoon ground lavender
¼ teaspoon salt
2 tablespoons sugar
2 teaspoons ground cinnamon

Preheat oven to 400 F.

Cream together butter, sugar, eggs and vanilla. Blend in flour, cream of tartar, baking soda, lavender and salt. Shape dough by rounded spoonfuls into balls.
Mix the 2 tablespoons sugar and the cinnamon. Roll balls of dough in mixture. Place 2 inches apart on ungreased baking sheets.
Bake 8 to 10 minutes, or until set but not too hard. Remove immediately from baking sheets.

 
Jennifer Ruple is the author of the blog somedaycowgirl.blogspot.com.

 

Living Small to Live Large

Boomers Embrace Life on the Water
–by Mary Helen Darah
PUBLICATION DATE: MAY 2017

L-R: Chris and Diane Sackett and Steve and Lori Suffety live on their boats, docked at Bay View Yacht Club, year-round.

Chris and Diane Sackett and Steve and Lori Suffety have taken “downsizing” to a whole new level. The couples left their lives in suburbia to live full time on their boats, docked side-by-side at Bay View Yacht Club on Summit Street. “It all started when we joined Indian Hill Yacht Club,” stated Diane. “When we were at home, we wanted to go to the Club, and we didn’t want to go home once we were there. We were having cocktails with friends and they told us they have boats in the water year-round at Bay View. I told them to take us there.” Upon arrival, the couple met Steve and his wife Lori, who live full-time on their boat. “We began to pick their brains about their lifestyle,” recalled Chris. “We filled out an application for Bay View, decided to sell the house and buy a bigger boat. The rest is history.”

Steve and Lori have lived on their boat through two (thankfully mild) Ohio winters. Steve grew up on the water and loved it. “When Lori and I got married 20 years ago we got out of boating,” recalled Steve. “There came a point when I had to get back on the water. At first, it was just me and the kids. I asked Lori to spend time on the boat, and in 2015 we started spending our weekends on the water. In jest she said, ‘We ought to chuck the house thing and live on the boat.’ I felt like the luckiest guy in the world.” Lori feels their new life has made their relationship stronger. “I stayed home and took care of the house while my family was boating. Looking back, I think the house was keeping us apart. It was the perfect time for a major lifestyle change. The kids were getting older and we can now retire earlier while we’re still young,” she stated.

Some major changes and obstacles accompanied the couples’ new boating life. “I really miss having an attached garage and closet space—and that’s coming from a guy,” stated Chris. Both couples had to condense their belongings to fit their new spaces or lack of them. “We had an enormous estate sale and gave away oodles of stuff,” recalled Lori. “It’s a bit daunting to see your possessions go out the door,” said Chris. “The first wave of purging, we got rid of everything we didn’t want or use. Later we got rid of what was least important of what we had left. A third purge is still to come.” Steve and Lori tackled things a bit differently. “We filled up four storage units,” recalled Steve. “Six months later, we got rid of those things as well. It would have been a lot less costly to get rid of things right away. Lesson learned.”

The weather also plays a key role in their new lifestyle. “We had to take my daughter, who was visiting us over her winter holiday, to the airport last year,” said Lori. “The water was over the dock. People don’t realize that there is no stepping out onto dry land to get to the car. The cold water was brutal. There have also been times the wind has blown the water out of the lagoon and we are sitting in mud. Steve failed to mention these potential issues before we moved on the boat.

The four boat dwellers have also cut back on their TV viewing. “Our first year here we didn’t have a TV, and frankly we didn’t miss it,” stated Chris. “We have a TV now and watch Netflix and YouTube, but I find myself looking out the window at the water when the TV is on.”

Diane and Chris Sackett survived an Ohio winter on their boat and are ready for summer.

Support Systems
For the most part, friends and family have been very supportive of their decision. “My two girls were understanding when Diane and I sold our home in Perrysburg,” stated Chris. “My son thought it was pretty cool. He pops in quite a bit,” said Diane. “We get visited a lot. It’s not hard to get people to come for the weekend,” stated Chris.

Steve and Lori Suffety relax on their boat that has elements of their former life in the suburbs.

The Good Life
The side-by-side water dwellers are thankful they took the plunge to boat living. “The best part is not having to pay real estate taxes,” stated Steve. “It’s great not having to pull weeds, plant flowers or mulch before you can enjoy the day. You live life in the present.” His wife, Lori also feels the experience has brought them closer together. “I’m with my husband more than I have ever been,” she said. “Raising our children was wonderful, but I love this time with him more than taking care of a house.” Chris believes that if you have a strong relationship, you will become even closer—emotionally and physically—in a small space. “You need to be your significant other’s best friend or this isn’t going to work,” he stated. “Someday we may need a space for our grandchildren but there are hotels for that!”

The couples feel that it is vital to have a boat club that is another source of entertainment and activities. They feel they have found such a place at Bay View Yacht Club. “I think a few members wondered how long we would last but everyone has been extremely encouraging,” stated Chris. “It’s been helpful having a couple live next door or next ‘dock’ full time,” stated Chris. “We are living large, just in a much smaller place.”

 

 

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