By Susan D. Ament, Esq.

The City of Wilmington, Delaware has issued a substitution to Ordinance No. 09-041 regarding the use of mobile phones within its city limits. Following are some highlights of the new ordinance.

Whereas, the City Council deems it necessary and appropriate to enact provisions regarding the restricted use of a mobile telephone such that no person shall use a mobile telephone while operating a moving motor vehicle or while riding a bicycle unless the telephone or devise is equipped with a hands-free accessory.

The Council of the City of Wilmington hereby Ordains:
Section 1. Chapter 37 of the City Code is hereby amended by adding thereto a new § 37-196 to read as follows:
Section 37-196. Restrictions on use of a mobile telephone; civil offense.
(a) Definitions. For purposes of this section the following terms shall be applicable.
(1) “Hands-free accessory” means an attachment, add-on, built-in feature, or addition to a mobile telephone.
(2) “Mobile telephone” means a cellular, analog, wireless or digital telephone capable of sending or receiving telephone messages without an access line for service.
(3) “Use” means talking, placing, or receiving a call, or attempting to place or receive a call or texting or attempting to send a text, or email on a mobile telephone or other electronic devices.
(b) Restricted use of mobile telephone
(1) No person shall use a mobile telephone while operating a moving motor vehicle or while riding a bicycle in the City of Wilmington unless the telephone or devise is equipped with a hands-free accessory.
(2) The provisions of this section shall not apply to the following:
a. Emergency use of a mobile telephone, including calls to 911, a hospital, an ambulance service provider, a fire department, a law enforcement agency, or a first-aid squad; and
b. Use of a mobile telephone by law enforcement and emergency personnel or by a driver of an authorized emergency vehicle, acting within the scope of official duties.
(c) Enforcement; fine and penalties.
(1) A violation of the provisions of this section shall constitute a civil offense with a penalty of $50, payable to the City of Wilmington Finance Department, Revenue Division.
Section 2. Effective date. This Substitute Ordinance shall be deemed effective on January 1, 2010.

Susan D’Alonzo Ament is a partner with Morris James LLP and has practiced for 25 years representing personal injury victims. Over the years, Mrs. Ament has found that some women don’t understand the crucial need to have adequate automobile insurance coverage in the event of a serious accident. Susan Ament educates women on these needs every day in her practice and in seminars that she presents throughout the year.
Morrisjamespersonalinjurylawyers.com
Se Habla Espanol
302-651-3589

By: Kathy J. Bauers, ChFC Ameriprise Financial

Employer-sponsored retirement benefits, along with other employee perks, are experiencing tough times. The traditional, defined benefit pension plan is facing extinction, leaving more workers to fend (and fund) for themselves to provide for their retirement. The decline can be blamed in part on the Pension Protection Act of 2006, which introduced tougher guidelines to strengthen pension funding rules and improve transparency and accountability. The PPA was created with good intentions; however, the new guidelines also put pressure on employers to build pension funding at a time when coffers have been dwindling.

The fact is, pension plan retirement income, generously calculated based on years of service and attained earnings and adjusted to account for the cost of living, is simply too expensive for most businesses to maintain. The increased requirements around pension plan funding combined with a brutal stock market, shrinking profits and stockholder demand have created an extremely unfavorable environment for the continuation of employer-funded retirement plans.

How bad is it? According to a recent study by Watson Wyatt, the majority of current Fortune 100 companies no longer provide a traditional pension plan to new employees, opting instead to offer 401(k) plans to help employees save for retirement1. And even 401(k) plans are shrinking. With the recent recession, many employers have discontinued the practice of providing a company match contribution for 401(k) plans they offer. However, some employees are concerned about putting all their retirement eggs in the stock market, given the recent depreciation of stock values.

If your employer does offer a pension plan and you are concerned about your company’s future, you do have some protection. The Pension Benefit Guaranty Corporation (PBGC) was created under the Employee Retirement Income Security Act (ERISA) to function as America’s pension insurance program. Funded by employer premiums, the PBGC helps to protect American workers by encouraging the continuation and maintenance of private-sector defined benefit pension plans. The question is, will the PBGC hold up under the weight of excessive claims?

The PBGC covers almost one and a half million Americans whose employers have gone out of business. The recent demise of Circuit City provides an example: 21,000 former workers and retirees of the nationwide electronics retailer based out of Richmond, Va., will receive their pension benefit even after the company’s bankruptcy and liquidation, thanks to the PBGC2.  Fortunately, according to current calculations, the PBGC can manage the current burden of claims, but it will have to address a projected shortfall in the future3.

There are limitations on PBGC guarantees. If you have a sizable pension, a good portion of it may not be protected. For plans terminating in 2009, the maximum guaranteed monthly benefit for a 65-year old is $4,050 for a joint payout and 50 percent for a survivor payout.

Jobs in the public sector are noted for their generous retirement plans, but PBGC does not cover state and local pension plans. Testimony before the Joint Economic Committee indicates most states have sufficient assets available to fund their liabilities right now, and those that are struggling may still have sufficient time to recover and maintain their obligations for the future4.

If we can’t count on a pension plan or our 401(k), there’s always Social Security, right? For the time being, anyway. The Social Security Administration has reassured the public that Social Security is funded sufficiently to provide full benefits through 2037. However, unless changes are made, Social Security benefits will be reduced by 24 percent or more beginning in 2038, creating another compelling reason to take charge of your own retirement savings5.

What can you do to improve your financial position heading into retirement? First and foremost, consult an expert in money matters. A financial advisor can help you evaluate your personal financial situation and identify appropriate retirement strategies, including how to deal with disappearing pension funds. Another helpful step is to contribute to your retirement savings plan that is offered at work, even if your employer no longer offers a company match. The discipline of regular investing and the benefit from compounding savings can work in your favor. Look for ways to diversify your income, savings and investments and reduce your expenses so you are better prepared to live on less. As you continue to save, also consider insurance and investment products to help reduce risk. Market volatility is real, but history has shown us markets do rebound in time.

Kathy J. Bauers, ChFC®
An Ameriprise Platinum Financial ServicesSM practice
Ameriprise Financial Services, Inc.
3520 Silverside Road Suite 27 | Wilmington, DE 19810
Office: 302.543.5784 | Fax: 302.691.5645
Kathy.J.Bauers@ampf.com
www.ameripriseadvisors.com/kathy.j.bauers

We shape financial solutions for a lifetime®

Testimonial:
“Turning my money over to a third party was a difficult decision. I’m single with a grown son and have always been tight-lipped about my finances. I had to trust that the person in charge of my money had my best interests in mind. That was and is Kathy Bauers. I’ve been with her for four years and do not know how I would have made it financially without her. She was my rock who offered great guidance.”
“In this depressed economy and a national distrust of finance people, I’m fortunate to have a wonderful relationship with my advisor, Kathy. It’s one less time-consuming task for me to do; she’s the expert and offers advice best suited for my situation. Thank you, Kathy.”    ~Dianne K. Independent Contractor, Dallas, TX

1 Majority of Fortune 100 Companies Offer Only Defined Contribution Plans to New Salaried Employees, Watson Wyatt Analysis Finds, watsonwyatt.com, May 11, 2009.
2  PBGC Assumes Circuit City Retirement Plan, PBGC.gov, May 27, 2009.
3 U.S. Insurer of Pensions Sees Flood of Red Ink, nytimes.com, May 20, 2009.
4 State and Local Government Pension Plans: Current Structure and Funded Status, Statement of Barbara D. Bovberg, Director of Education, Workforce, and Income Security, United States Government Accountability Office, July 10, 2008.
5 Frequently Asked Questions About Social Security’s Future, ssa.gov, May 11, 2009.

This column is for informational purposes only. The information may not be suitable for every situation and should not be relied on without the advice of your tax, legal and/or financial advisors. Neither Ameriprise Financial nor its financial advisors provide tax or legal advice. Consult with qualified tax and legal advisors about your tax and legal situation. This column was prepared by Ameriprise Financial.

Financial planning services and investments offered through Ameriprise Financial Services, Inc., Member FINRA & SIPC.

© 2009 Ameriprise Financial, Inc. All rights reserved.

By Jim Nacchia, President of Homewatch CareGivers of Delaware

Study examines trends in long-term home health care utilization and points to home health care support as a significantly growing trend.

American Association for Long-Term Care Insurance (www.AALTCI.org) and Homewatch CareGivers, the largest, most experienced international provider of home care for people of all ages (www.HomewatchCareGivers.com), teamed up to conduct a study examining trends in long-term health care and the utilization of associated support services. Among the conclusions of the study is the dramatic growth of people receiving support care at home and the significantly greater percentage of those with long-term care insurance who are able to receive home-based care and stay in the their homes longer.

According to the American Association for Long-Term Care Insurance, approximately 7.5 million individuals currently receive long-term care at home because of an acute illness, long-term health condition, permanent disability, or terminal illness. That compares to only 1.5 million in nursing homes and 1.1 million in assisted-living facilities who receive similar care for the same types of conditions. That means nearly three times more people are receiving care at home rather than in a residential facility.

“Most people incorrectly associate long-term health care with skilled nursing care in a facility when the vast majority of care takes place at home,” explains Jesse Slome, Executive Director of the American Association for Long-Term Care Insurance. “It is clear that the people in today’s society prefer treatment for chronic conditions and issues related to aging in their own home rather than in a residential facility.”

“When possible, home is almost always the preferred setting for people who require care,” says Jim Nacchia president of Homewatch CareGivers. “This is has been a clear and growing trend for more than a decade, as more and better home services have become available. The vast majority of people want to receive support care in their homes in order to maintain independence and quality of life for as long as possible.”

One aspect of the study sought to compare individuals with long-term care insurance policies with those without insurance coverage.  According to the American Association for Long-Term Care Insurance, 8.25 million individuals presently have coverage, and more than 180,000 policyholders are currently receiving benefits.

The study clearly indicated that individuals with long-term care insurance receive significantly more home care, and thus can stay in their homes longer. The difference between the insured and uninsured is significant: 70.6% of those covered received an average of between five and seven days of care each week, while only 35.1% of those without insurance received similar care as often.

Possessing insurance to pay part or all of the cost of home care services enabled individuals to receive care at home for longer periods of time. The study found that 41.2% of those with insurance received care for longer than one year; compared to 29.7% of those without coverage.

“The study confirms what we’ve long suspected, that a basic long-term care insurance plan costing less than $1,000 a year may provide sufficient coverage for those who want care at home and still have the ability to transition to more costly skilled facilities should the need arise,” adds Slome.

According to the Urban Institute, a nonprofit founded in 1968 that conducts research on social and economic issues to foster sound public policy, 21.3 percent of the frail older population receives paid home care services, and it projects that this will increase to 22.3 percent by 2030 and 25.5% by 2040.

“It is vitally important for individuals to recognize the increased likelihood of needing care at some point in their lives, and to plan for that inevitability,” concludes Nacchia. “Having sufficient financial resources or the protection of long-term care insurance are the prime factors for all of us who want to stay in our homes and receive care for as long as possible.”

Testimonials:
“This company works diligently to make sure you have the caregiver that meets your personal needs. They are flexible and the caregivers are excellent. They not only take care of the patient but do so much to take the burden off of me as much as possible. Homewatch makes our life
so much easier. I don’t know what I would do without them.”        ~ Mrs. Reed

“Homewatch CareGivers has given me my role as the daughter back. I can trust that my mom is in good hands.  As they said when we first started, ‘We would only send a caregiver that we would send to our own mother’s house.’ That is truly priceless.”
~ Daughter of Sylvia, Age 88

 “Thank you for giving my parents the opportunity to stay at home longer. They love their assisted independence. Because of Homewatch, they get to do things that I am too far away to help them with. Thanks again!”
~ J. McBride

About Homewatch CareGivers
Founded in 1980, Homewatch CareGivers is the largest, most experienced international provider of full-service in-home care for people of all ages, including seniors, children, veterans, the chronically ill, and those recovering from medical procedures. Caregivers are triple-screened and continually trained and supervised by healthcare professionals to provide reliable, compassionate, and highly skilled services in companion, personal, and comprehensive care. In-home care services are personalized for each client and customized care plans are administered through an international network of 100 franchise owners with 165 territories, which includes 9 international owners with 18 international territories.

 Each office is locally owned and dedicated to ensuring quality of life for clients and peace of mind for their loved ones.
Visit www.homewatchcaregivers.com for franchise, company and caregiver information.

Millions of baby boomers are treading water — holding down full-time jobs, taking care of kids, and watching over aging parents. But Dr. Penny Wolfe, neuropsychologist at the National Rehabilitation Hospital, says that assuming the role of caregiver should come with a warning label: Caution. Too much caring for too long can be dangerous to your health!

“When someone is your responsibility 24/7 it takes a toll, physically and emotionally,” Wolfe says. “It can exacerbate your own health problems, wear down your immune system, and build anger, anxiety and depression.”  Taking a break — a respite — is the best thing you can do for yourself — and has unexpected benefits for your loved one.

When you nurture yourself, you are less likely to feel resentment about the loss of personal space and time — and less likely to react with anger, she explains. And a respite for you can actually be a happy change of pace for your family member, too.  “Interaction with different people is a great way to stimulate the mind and acquire new interests,” Wolfe adds.

“I advise people to plan a regular respite in order to create normalcy and calmness for themselves,” she says. “That can mean anything from a simple coffee break with friends, an afternoon shopping once a week — or a short walk. Of course a week’s vacation could do wonders to recharge your mental and physical batteries — although it may not be possible for everyone. You can either have someone come to your home to relieve you — or find an appropriate short-term, outside placement for your loved one,” Wolfe adds.

Here are some tips to help you find your “required respite:”
For short-term in home respite:
*Solicit the help of a responsible teenager or college student in your neighborhood for an hour or so a week.
*Don’t be afraid to ask other family members for help. Use the senior version of Facebook, at CarePages.com, to keep them up to date and to enlist their support.
*Look for volunteers at your local faith based, community, and other non-profit organizations.
*If your loved one needs professional services, contact local home-care businesses that provide trained staff to cover in home care for
short intervals.

For day services outside of your home:

Check out your local social services office or agency on aging for a list of adult day care centers — centers specialize in specific services from health care, dementia services to social activities. Or visit www.eldercare.gov for more information. For short term solutions: *Check with your nearest Genesis Assisted Living Community or Skilled Facility.

For more information on reducing caregiver stress, and resources for respite care, Wolfe recommends visiting www.helpguide.org. Or contact Genesis at 1.866.745.CARE to inquire about respite facilities in your area.

Heritage at Milford and Heritage at Dover will welcome your questions and offer assistance by providing written information and tours of our facility. Just give us a call. Contact Cheryl Stover at the Milford location at (302) 422-8700 or Beth Jarrell at Dover (302)735-8800. We look forward to seeing you.

The Soroptimist Women’s Opportunity Award is a cash award that is granted to a woman who is a head of household and striving to overcome adversity through continuing her education. The winner of this club award is submitted to the next level of competition, the North Atlantic Region competition. At this level, there are three awards, two for $3,000 and one for $5,000. The winner of the $5,000 award will then compete for a $10,000 National award.  Please contact Mardi Pyott for more information and to submit an application. Her phone number is 302-672-1056.

Violet Richardson Award program honors young women between the ages of 14 and 17 whose volunteer efforts include among other things: helping other disadvantaged girls; fighting drugs, crime and violence; cleaning up the environment; and working to end discrimination and poverty. The program is implemented at the local club level. That award recipient is entered in the Regional competition for a $1,000 cash award and matching $1,000 cash award for the charitable organization of the recipient’s choosing. The Regional winners compete for a $2,500 National level award to the recipient’s volunteer organization. Please contact Mary Ann Steven for more information and to submit an application. She can be reached through email at pmamas@verizon.net.

Applications are now being accepted for both awards and must be postmarked by December 1, 2010. Applications will be reviewed in December, but can be submitted at any time before then. For more information regarding our programs, please visit our national website, www.soroptimist.org or contact the Dover Club at sidover@soroptimist.net

Women Helping Women in Transition:
Divorce/Separation
Monday, February 8, 2010
6:00 pm-9:00 pm

This seminar is designed to benefit women who are thinking of or in the process of separating or divorcing.  It will provide valuable insight into the legal, financial, psychological, and other aspects of separation or divorce. Location: The Outlook Banquet and Conference Center on the top floor of The Duncan Center, 500 W. Loockerman St., Dover. Registration: $35 Scholarship Contribution. To reserve your seat, call 302.697.8070 or eMail WIT@incserv.com. Financial assitance for seminar available by calling 302.697.8070. If you have a financial need that is an obstacle in attending the seminar, please be aware that no one will be turned away due to financial reasons. If you are in need of financial assistance for the conference, please call 697-8070.

Join the fastest growing educational Woman’s Newspaper syndicate in the United States. Minimal Investment Required! With maximum returns, be your own boss, set your own hours, and make your life mean more!

Total Training Provided! If you are interested in developing with us in 2010 in your State, in your County call, References provided.

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The Harmonettes are always looking for women of all ages, from 13 to 99, who love to sing. The chorus sings four-part barbershop harmony and enjoys singing at a variety of venues in Kent and Sussex Counties.

Rehearsals are held from 6:45 to 9:00 PM at 101 S. Walnut Street, Milford, Delaware, 19963 in the First Presbyterian Church. Please contact either Margaret at 302-645-8769 or Ann at 302-335-3052. For more information about the Harmonettes, go to www.firststateharmonettes.com.

The Harmonettes are always interested in finding new members! Think about visiting one of their rehearsals. You might find something there to sing about!

Jim Martin says that the Oxford House soon to open its doors in the Smyrna area is “a viable model that works.” He says it helps people recovering from substance abuse and helps former prison inmates from returning to a life of crime – all without government assistance.
He’s getting to be an expert on this topic, after working with Oxford House Outreach to open several of the 22 Oxford Houses in Delaware.
And that would be quite an accomplishment for someone who was homeless himself – less than two years ago – before moving to an Oxford House in Wilmington.

Martin was once married. He has three children, and he owned a carpentry business for about 10 years. “I think I was a functional alcoholic,” he said. “I drank, but I was able to do what I needed to do.” Then he injured his back.

“The combination of the alcohol and the pain killers sent me over the edge. I lost my business. I lost my marriage. I couldn’t see my kids. I lost everything.” Then he found Oxford House.

What Oxford House gives a former homeless person or prison inmate is an address and the chance to get started at a job, even if the resident is making minimum wage. The required amount for rent and household expenses is usually $100 per week. The housemates also help support each other in the struggle to stay sober, and are charged with the responsibility to evict a resident who is caught using alcohol or drugs again.

Oxford House success stories
Along with himself, Martin knows many people who have used Oxford House to get back on their feet. “Sometimes a mistake with substance abuse can almost be life ending,” said Martin. “Someone does something stupid, gets arrested, and goes to jail. When they get out, where do they go? Employers won’t hire you if you don’t have an address. You need transportation to get to work. Oxford House is giving people the resources to turn themselves into productive citizens again.” Martin said recent studies following Oxford House residents for more than two years found that about 70 percent of Oxford House residents stay sober, compared to about 10 percent of those who had stayed at a traditional government-operated halfway house. “And we’re not costing the taxpayers a dime,” said Martin. “We’re renting these houses ourselves, paying our own way.” Martin can cite dozens of examples of Oxford House success stories.

ABOUT OXFORD HOUSE
The first Oxford House for people recovering from substance abuse was started by a group of men in Silver Spring, Md., in 1975. Now that number has grown to 1,352 Oxford Houses, including some for women, in 44 states. The basic rules for the residents are: everyone pays an equal share of household expenses, decisions affecting the group are decided by a majority vote, and anyone using alcohol or drugs must be evicted.

Jim Martin is organizing the opening of the Oxford House for men recovering from substance abuse on Wheatley’s Pond Road near Carter Road, just outside of Smyrna town limits. A nationwide program, Oxford House has 22 homes in Delaware.

Martin said that anyone interested in the Oxford House program or in applying to live at the home on Wheatley’s Pond Road can call him at (302) 377-0485. More information on Oxford House is also available on the website, www.oxfordhouse.org. Article reprinted courtesy of Smyrna/Clayton Sun-Times: Thu Dec 17, 2009, 11:38 PM EST: www.scsuntimes.com.

By Glenn A. Courtney, President, A.B.O.C. with Ania Macejka, Silhouette Style Consultant

Eyewear Has Come a Long Way – For over 30 years, Vision Centre Optical has been committed to building strong relationships by providing the highest level of service to every client every day.  Our mission is to be at the forefront of cutting-edge technology, emerging trends and styles, and advanced techniques in fitting eyewear. In doing so, we provide an unprecedented experience for each client looking to enhance their quality of life by offering innovative, comfortable and aesthetically pleasing eyewear.

Silhouette, the premier rimless eyewear brand handcrafted in Austria, shares in this philosophy with us. Their fully customizable eyewear collections are the perfect combination of cutting edge technology and timeless design offering clients a tailor made pair of eyeglasses. From their sophisticated frame materials, to captivating hingeless and screwless designs, our clients choose Silhouette time and again.

As a dedicated leader in eye care, we proudly offer expert Rimless Aesthetic Style Consultations. Each unique consultation includes face, eye and brow shape analysis, color harmonization and lifestyle assessments to find the perfect eyewear styles and lens selections for your customized look.

Whether you are looking for an extravagant conversation starter, a luxurious design for that special occasion, or eyewear that is an essential part of your everyday life, you are sure to find the perfect Silhouette at Vision Centre Optical.

Call today to experience a complimentary personalized Rimless Aesthetic Style Consultation with our professional team of experts. You are sure to experience eyewear selection in an entirely unique way.

www.vision-centre.com

For Appointments:
Vision Centre Optical in the Delaware Eye Institute – 302.645.1800.
Vision Centre LTD – 625 S DuPont Hwy, Dover – 302.678.3200.

Publisher’s note: You won’t find a better selection of stylish frames than what you will find at Vision Centre Optical. Shopping for glasses is always fun with the help of their knowledgeable and experienced staff.

By Lisa Harkins, RD, LDN

It is that time of year when people want to initiate some significant lifestyle modifications. Whether one is wanting to lose weight, start exercising, or even quit smoking, all individuals go through what behavior experts call “The Stages of Readiness to Change.” New Year’s is not the only time people go through these stages… and we advise everyone who is thinking about changing their “wicked ways” for some healthy habits to review the following stages and decide: “Where am I in this continuum?”

Pre-contemplation: You are not thinking about changing anything right now. Even though your MD may have referred you to a dietitian or suggested you join a gym, you have yet to make a move.

Contemplation: You are now thinking it’s time to make some changes, but have to weigh all the pros and cons. You say to yourself, “I know I should start eating breakfast, but I just don’t have the time.” The benefits of breakfast are compared with the investment of time.

Preparation: You have finally decided to change some aspect of your eating pattern or incorporate some regular physical activity into your week. You commit to small changes or baby steps. One or two practical goals should be set at this point.  For example, you start snacking on fruit or raw veggies instead of chips or cookies, and you go for a walk at lunchtime. Keeping a food journal or exercise log would be helpful in this stage. Plan ahead and have healthy snacks on hand or ask a co-worker to be your walking buddy.

Action: You have accomplished these small goals and now you are ready to kick it up a notch. Think about other changes you can make, but remember to keep your goals reasonable. Plan for possible issues that might get you off track. For example, spring soccer season is about to start for your son, so you make the following commitments: “I will meet with my trainer before work in the morning so I can spend the afternoon with my son” and, “I will plan to pack some healthy snacks for us to eat on the way to practice.”

Maintenance: You are eating better and exercising regularly. Your new behaviors have become a steady habit. The danger here is boredom with routine, a vacation or holiday that interrupts the routine, or some unforeseen personal challenge that shifts your focus for a time from the routine.  Know this: EVERYONE has setbacks or lapses in behavior. These should NEVER be considered a failure. Think of these episodes as learning experiences and move on. Seek help from a professional (a registered dietitian or a personal trainer) to guide you if you feel overwhelmed. Give yourself a break but DON’T GIVE UP!

It’s NEVER too late to change for the better, and any effort you make to improve your well-being will be worth it. Your health doesn’t just affect you, it affects your family, friends, even your community at large.  Find the courage within yourself to turn thoughts into action. Make a healthy change today!

Lisa Harkins is a Registered Dietition and the owner of Ideal Nutrition and Fitness. She consults for Quest Fitness, located in the Village of Five Points in Lewes. Quest Fitness is a full-service fitness facility that offers personal training, fitness classes, spinning, yoga, pilates, nutritional counseling, youth camps, and seasonal kayak tours, rentals, and sales. Visit www.questfitnesskayak.com for more information.

Ideal Nutrition & Fitness, LLC
Lisa Harkins, RD, LDN
PO Box 684, Lewes, DE 19958
Phone: (301) 388 – 2856
Email: lisa@idealnutritionandfitness.com
Website: www.idealnutritionandfitness.com

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