May 21, 2009

Know Your Finances

Is the massive government stimulus of the last several months laying the groundwork for hyperinflation? Or is the economy so sick that deflation or stagflation is only possible. Let’s define the terms again. Inflation results when the demand for money exceeds the supply of money.

People often define inflation as too much money chasing too few goods, and prices climb. Deflation is the reverse of inflation; and so-called stagflation is when inflation kicks in big time while the economy doesn’t grow at all, it “stagnates”. Stagflation is particularly annoying because things cost a lot more while wages and businesses aren’t growing. Many readers can remember the stagflation of the 1970s that were triggered by the 1973 oil shock.

The best scenario is when we have mild inflation and the economy is growing. Normally, a growing economy results in some degree of inflation. Currently we are experiencing very mild inflation, which is a normal result of the financial crises and credit freeze. But as record amounts of money are injected into the system, one has to wonder what the effect will be.

Of course, no one can predict what will happen. I have read many economists’ arguments for both inflation and deflation.  I will go out onto the proverbial limb and predict that inflation will remain completely mild, less than 2 percent annually, for the next couple of years.

First of all, it will take at least two years for consumers and businesses to get through this de-leveraging period. Second of all, interest rates are so low now that the Fed has plenty of leeway to battle inflation using monetary policy, i.e., increase short-term interest rates. In fact the Fed can also use fiscal policy, and buy back treasury bonds, to increase interest rates.

I do see a risk of high levels of inflation several years down the road, after the economy works off its excesses and shifts into high growth mode again. I envision our economy growing like gangbusters again as I am not in the camp who believes we will follow the Japanese no growth model of the 1990s. We have too much talent eager to innovate and create opportunities within a whole slew of industries: alternative energy, traditional energy, material sciences, nanotechnology, semiconductors, biotechnology, to name a few!

I also am not a proponent of the deflation story that rests its arguments on the fact that the labor market is so weak and commodity prices have been in free fall. My expectation is that commodity prices are primed to begin to recover. We are already seeing significant up-ticks in the price of oil. The labor market may recover on a slower trajectory but it is sure to recover in conjunction with a growing economy. So, my short-term (next 12 months) scenario calls for negligible inflation and slight negative economic growth. My intermediate (1-3 years) scenario calls for mild inflation and mild economic growth. My long-term scenario calls for…oh, come on now…it’s silly enough predicting short-term time frames so I think I’ll climb back from that limb and say that I have no clue about the long-term.

But I am completely clued in and comfortable telling you about the wonders of Treasury Inflation-Protected Bonds. These bonds, issued by the government, have been around since 1997 but have only recently gained some real market traction and liquidity. They pay interest twice a year just like a regular bond. But, unlike a regular treasury bond, every six months the principal value is adjusted upwards (for inflation) or downwards (for deflation) based on the Consumer Price Index. The stated interest rate pays out based on the new principal.

So, for example, let’s say you bought a $1,000 bond that promises a 3 percent interest rate. If the inflation adjustment increases the principal by 2 percent, the new principal amount is $1,020. The 3.0% interest rate payout is based on the new $1,020 amount rather than the original bond cost of $1,000.  Therefore, the interest payment for that period would be $30.60 instead of $30. Now, of course, the numbers start to mean something with the more you invest.  Your income return is inflation adjusted.

One more example: Let’s say you invest $50,000 at a stated 3 percent interest rate.  After two years, perhaps I am wrong and inflation gets pretty ugly quickly, and the CPI adjustment is 7 percent. Instead of receiving $1,500 that year, you will receive $1,605 that year. Be aware that TIPs typically state an interest rate less than the rate of regular Treasury bonds and the difference between the two represents the expected inflation rate.

Another benefit of TIPs is that at maturity, which can be in 5, 10, or 20 years, the bond will return the greater of the original amount or the higher inflation adjusted amount. That means that the TIP is protective against a deflation of the asset value in addition to protecting the income from inflation.

These bonds are best used in tax-deferred accounts because taxes are incurred on the difference between the original issue value and any inflated value each year. This is called “phantom tax”.

Let’s be clear, TIPs are great for any portfolio, but only as a portion of your bond portfolio. Every person has their unique financial situation and their best TIP allocation will depend on many factors. Most portfolios should also include quality stocks or mutual funds for growth.

There are several ways you can buy TIPS. You can buy individual bonds through www.treasurydirect.com or mutual funds made up of different TIPs with different maturities or Exchange Traded Funds made up of different TIPs with different maturities.

I look forward to receiving your questions about TIPs or anything else related to investments, retirement planning, or the economy. Send them to: ellen@ascendcapmgt.com and write “Chadds Ford Live” in the subject line.

Have a happy and safe Memorial Day weekend!

About Ellen Le

Ellen is the Founder and President of Ascend Investment Management. She was born in Philadelphia and has lived in the Delaware Valley for most of her life. When she is not researching investments and managing portfolios, she pursues her interests in tennis, bridge, hiking and art. Beginning her investment career in 1981 as a stockbroker at E.F. Hutton and Co., Ellen now has over 20 years of investment management experience. Prior to founding Ascend in 2006, she managed high net worth assets for many years at Bank of America, Mellon Bank, and most recently at Davidson Capital Management. At Davidson Capital Management, Ellen served as a Senior Vice President and Senior Portfolio Manager of the firm. She managed assets for more than 50 family relationships and was a core member of the firm’s Investment Committee.Ellen earned a BA in History from Brown University and a MBA in Finance & Investments from The George Washington University. She is a member in good standing of the Chartered Financial Analyst (CFA) Institute, which is a global organization dedicated to setting a high ethical standard for the investment profession. Her professional memberships include the Delaware County Estate Planning Council, Women Enhancing Business (WEB), and the Chadds Ford Business Association. She is a docent with the Delaware Art Museum and an active volunteer with the Brown University Alumni Association.

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Joseph A. McGinley of West Grove,

Joseph A. McGinley, 92 of West Grove, died Thursday, May 21 at Jennersville Regional Hospital. He was the beloved husband of Mary Getman McGinley, who predeceased him in 1979.

Born in Chadds Ford, he was the son of the late John and Mary Golden McGinley.

Joseph was a lifelong resident of Chadds Ford and a lifelong member of St. Cornelius Church in Chadds Ford.

He was a retired caretaker for the Bond Family, after 50 years of service.

He is survived by his only daughter, Joan Osborne and her husband Sheridan of West Grove; a sister, Mary Beck of Chadds Ford; four grandchildren, Joseph Cooper and his wife Laura, Sandra Fiumara and her husband Mike, Jerry Osborne and his wife Susan, Keith Osborne and his wife Eva; ten great grandchildren and three great great grandchildren; and by nieces and nephews.

He was predeceased by one sister, Margaret Morgan and two brothers, John McGinley and Edward McGinley.

You are invited to visit with Joseph’s family and friends from 7 to 9 p.m. on Wednesday, May 27 at the Kuzo & Grieco Funeral Home, 250 West State Street, Kennett Square, (phone; 610-444-4116).

Mass of Christian Burial will be held at 10 a.m., Thursday, May 28, at St. Cornelius Church, 160 Ridge Rd., Chadds Ford.  Interment will be in Longwood Cemetery.

Arrangements are being handled by Kuzo & Grieco Funeral Home (610-444-4116) of Kennett Square. To send an online condolence, please visit www.griecofuneralhomes.com.

About CFLive Staff

See Contributors Page https://chaddsfordlive.com/writers/

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Peggy Weaver Thompson of Kennett Square

Peggy Weaver Thompson, 77 of Kennett Square died May 20, 2009 at Kendal at Longwood, Kennett Square.  She was the wife of Donald H. Thompson, with whom she shared 41 years of marriage.

Born in Coatesville, she was the daughter of the late Benjamin J. and Edna Saylor Weaver.

Peggy was a member of the Fieldstone Golf & Country Club in Greenville, Del., the Eastern Star in Reading, and the True Blue and Caledonia Golf Club in Pawleys Island, .SC.

She enjoyed traveling,  painting, and gardening.

In addition to her husband, she is survived by a son, Donald Drew Thompson and his wife Merinda of Royersford; two daughters, Carol Lucic and her husband Edward of Baltimore, Md. and Patricia Morrison and her husband William of Summerville, S.C.; two brothers, Donald and Richard Weaver, both of Coatesville; and by two grandchildren, Michael and Christian Thompson.

A memorial service will be held at 11 am on Saturday, May 23 at the Unionville Presbyterian Church, 815 Wollaston Rd., Unionville.  Interment will be private.

Contributions may be made in Peggy’s memory to the Kendal Employee Appreciation Fund, P.O. Box 100, Kennett Square, PA 19348.  Arrangements are being handled by Kuzo & Grieco Funeral Home (610-444-4116) of Kennett Square and online condolences may be made by visiting www.griecofuneralhomes.com.

About CFLive Staff

See Contributors Page https://chaddsfordlive.com/writers/

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Chadds Ford may need to lead in saving battlefield park

Chadds Ford Township dos not have the money to operate the Brandywine Battlefield Park, but it may need to take the lead in saving the park operations.

Supervisors’ Vice Chairman Deborah F. Love made the comment after a Monday night meeting on the park’s future held at the Brandywine River Museum.

During that meeting – attended by an estimated 200 people, some in 18th century garb – 35 people told state Sen. Dominic Pileggi, state Rep. Stephen Barrar and members of the Pennsylvania Historic and Museum Commission to keep the park open.

Earlier this year, the commission announced it would vote in June on whether to continue funding the site. A PHMC sustainability study recommended the commission turn the park over to the Township.

Love, who spoke at the meeting Monday, said Tuesday that township supervisors have met with members of the commission and with Pileggi and Barrar.

“We’ve agreed to partner with the commission to keep [the park] alive. We’ve met with the senator and had a conversation with Representative Barrar to say that we the township would take the leadership to maintain the jewel that we have in our community,” Love said. “Obviously we’d be looking for partners to do this.”

Those partners being considered include both Chester and Delaware counties and private parties, she said.

Entailed in taking the lead would be some level of funding and organizing some business plan to maintain the park’s operation.

Love said, however, the township can’t afford to run the park on its own.

“We absolutely do not [have the money,]” Love said. “We’re looking at [whether] it’s a contribution from a grant, [or] some set of open space money. We have to look at that, but we know to maintain is going to be a cost and we certainly can’t take the whole bite.”

She said the township has been talking with Pileggis and Barrar to see what funding, through partners, might be available.

Other organizations wanting to keep the park operating – organizations whose representatives spoke during the meeting – include the Brandywine Conservancy, Chadds Ford Historical Association and the Chadds Ford Civic Association.

Other speakers included re-enactors, past and current members of the Battlefield Park Associates and private citizens. Voices not allowed to speak at the meeting were those of park employees.

Employees received a memo telling them that any statement they wanted to make had to be in writing and submitted through their supervisors, said one employee who spoke under the guarantee of anonymity.

The source said that employees believe that it’s a foregone conclusion that the township will take over the park and that the decision has already been made despite what anyone from the state is saying now.

All of the employees believe they will be laid off, that there will be no transfers, the employee said.

Pileggi called the meeting. It was designed to get a feel for what people thought and no decisions were made. PHMC members will vote in June on the matter.

“My goal, simply stated,” Pileggi said, “is to keep that site open, keep the park open and to improve the services and the programming at the park from what’s there now. … I personally think the state has a responsibility and a duty to continue to provide support for the site and, in that regard, I disagree with the commission’s recommendation.”

Pileggi, citing budget figures, said the operating cost for the park was $385,000 per year, with the state providing $235,000. The remaining $150,000 came from the associates group.

Park employees dispute those figures. The employee said the associates provide much less, and that the figures cited are old.

Brandywine Battlefield Park is one of several historic sites in the state that could be squeezed out in a state budget crunch. The site honors the Sept. 11, 1777 battle between British and American forces and was the largest land battle of the War for Independence.

About Rich Schwartzman

Rich Schwartzman has been reporting on events in the greater Chadds Ford area since September 2001 when he became the founding editor of The Chadds Ford Post. In April 2009 he became managing editor of ChaddsFordLive. He is also an award-winning photographer.

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CFHS opens ‘From moo to you’ exhibit

The dairy industry was once a major player in the economy of the general Chadds Ford area. Not so today. Homes and highways now dominate the landscape that was once dominated by grazing cattle and the pastures they roamed.

In honor of those farming roots, the Chadds Ford Historical Society has opened a new exhibit, “From Moo to You.”

Displays include old photographs and models as well as a grain cradle ( a scythe-like device) and old milk cans and bottles.

The exhibit started as a nostalgic look back at the dairy industry in Chadds Ford, said Sallie Corbishley who put the exhibit together. While the industry is no longer of any contemporary importance, she said, there were some basic things she learned in the process.

“I learned what a grain cradle was and how to use it. Two, I learned what an ox is, which I never knew before aside from eating ox tail soup. … And the third thing I learned is that the dairy industry didn’t disappear because of development. It was WWII that caused the demise of the dairy industry.”

Corbishley said changes in laws requiring stainless steel to be used forced a lot of small farmers out of the business. Converting to the stainless was cost prohibitive for them, she said.

“The small farmers just couldn’t afford it,” Corbishley said. “Rather than buy the equipment they just said, ‘Forget it, we can’t afford it.’”

She added that development gave the farmers an option they would not have otherwise had if it weren’t for the post war building boom.

And it was another aspect of the post war era that also added to the end of the local dairy industry. Corbishley said the market dried up since there was no longer a large standing military that had to be fed and that there were many returning GIs who were farmers before the war, but who no longer wanted the farming life after they came home.

“A lot of the younger generation of farmers found other things outside of farming to do and a lot of the farmers who stayed around became old,” said Corbishley. “It was a number of things, but I can’t say it was development that killed dairy farming.”

Corbishley hopes that visitors to the exhibit come away with the thought that “Milk just doesn’t come in a box or a plastic jug from the grocery store. … That they will appreciate what goes into a jug of milk or a pound of cheese.”

One resident of Chadds Ford attending the opening is someone who knows what farming is all about.

Karl Kuerner, who several years ago turned his family farm over to the Brandywine Conservancy, said the exhibit brought back memories for him.

“The pictures bring a lot of memories back. The pictures show our cows,” he said.

When he saw the grain cradle he said that Chris Sanderson used to cut grain on the Kuerner farm with the cradle.

The Kuerner farm, he said, was primarily a dairy farm with about 80 to 85 head of cattle. He said there was always a lot of work to do, with no time to get into trouble. However, he said he and a fellow farmer from Pennsbury, Al Woodward, did have the time to hunt for arrowheads.

About Rich Schwartzman

Rich Schwartzman has been reporting on events in the greater Chadds Ford area since September 2001 when he became the founding editor of The Chadds Ford Post. In April 2009 he became managing editor of ChaddsFordLive. He is also an award-winning photographer.

CFHS opens ‘From moo to you’ exhibit Read More »

McIntyre tops Eichinger in Pennsbury; Leiser and Manzone win in school board race

The voters have spoken and Aaron McIntyre won the Republican Party nomination for supervisor in Pennsbury Township. He defeated Steve Eichinger 302-124, but he may still face Eichinger again in November.

Five days before the Tuesday primary election, Eichinger challenged McIntyre’s education claims and said even if he lost the primary he would run as an independent against McIntyre in the general election.

Eichinger is not dismayed over Tuesday’s results.

“We got 29 percent of the vote, but I was an underdog to begin with and we expected a lot less,” Eichinger said. “We were up against a tough machine.”

When asked if he was still going to run in November, he responded with one word: “Absolutely.”

However, state law prevents that from happening. A check with Chester County Voters Services revealed a state law – referred to as a sore-loser law – prevents the loser of a party primary from running as an independent for that same office in a general election.

Kathy Zittle, from Voter Services, said that a prospective candidate seeking to run as an independent in a general election must sign an oath saying the candidate was not registered with a given party 30 days prior to the primary.

In short, she said, however a candidate is registered 30 days before the primary is how they are considered for running in the general election.

(Indeed, a March 8 article published on line <http://campaigndiaries.com/2009/03/08/specter-loose-ends/> suggested that one of Arlen Specter’s best bets to retain his senate seat would be to switch to the Democratic Party because losing to Pat Toomey in next year’s Republican Party primary would disqualify him from running in the general election.)

Regardless, McIntyre said he feels great about his victory and isn’t concerned with facing Eichinger again in the fall. He said his 71 percent to 29 percent margin of victory proves the people of Pennsbury are united.

“The people of Pennsbury have spoken,” he said. “They’re united in their desire to move forward as a community – not as divisive factions – to preserve what we love about Pennsbury.”

School board

In two regional school board races, Jeff Leiser of Birmingham Township and Holly Manzone of Pocopson Township won both the Republican and Democratic Party primaries for Region B of the Unionville-Chadds Ford School District. Both topped Laura Maurer in the two primaries and will earn their seats on the board come November.

Region B includes Birmingham, Pocopson and Newlin townships.

In Region A, four candidates split the two primaries. All four candidates, Karen Halstead, Jeff Hellrung, Vic Dupuis and Keith Knauss cross-filed to run in both primaries.

Halstead and Dupuis won the Democratic Party primary for that party’s nomination in the general election, while Knauss and Hellrung won the Republican Party nominations.

Results are not final until certified by the state Board of Elections.

About Rich Schwartzman

Rich Schwartzman has been reporting on events in the greater Chadds Ford area since September 2001 when he became the founding editor of The Chadds Ford Post. In April 2009 he became managing editor of ChaddsFordLive. He is also an award-winning photographer.

McIntyre tops Eichinger in Pennsbury; Leiser and Manzone win in school board race Read More »

U-CF school board approves high school renovation

The Unionville High School renovation project is now a go. After two failed attempts at passing a referendum for the project, the school board voted 6-3 Monday night to approve the project that comes in at just less than $70 million.

Wohlsen Construction of Lancaster won the project with a base cost bid of $52,500,000 plus $395,000 for alternates. Other costs include $1.9 million for the stadium and $16 million in costs such as site work, fixtures, furniture and financing. Total cost is roughly $69,678, 412.

Wohlsen’s bid was 7.2 percent less than the expected cost.

Voting against the project were Timitha Trigg, Ed Murray and Therese West. Each said that they think it’s the right project and right scope, but found other reasons to think it would be wrong to vote for it.

Trigg said the funding was risky and that future boards would have to beg residents to bail out the district.

Murray said it was wrong in light of the two failed referendums, and West said the board might be damaging relations with the community.

Trigg, Murray and West also voted against authorizing the district to work with Public Financial management to structure the financing. Voting with them was Ed Wandersee. The vote was 5-4 in favor.

District Business Manager Robert Cochran said the debt structure would have the district paying $8.3 million from fiscal year 2011-12 through 2031-32.

About Rich Schwartzman

Rich Schwartzman has been reporting on events in the greater Chadds Ford area since September 2001 when he became the founding editor of The Chadds Ford Post. In April 2009 he became managing editor of ChaddsFordLive. He is also an award-winning photographer.

U-CF school board approves high school renovation Read More »

Vetting and political bloodletting

We would be remiss in not addressing the story from last week regarding Aaron McIntyre, his education claims and the political climate in Pennsbury Township.

Just five days before the primary election, Mr. McIntyre’s opponent, Steve Eichinger, brought to the attention of ChaddsFordLive evidence that cast doubt on Mr. McIntyre’s education claims.

On his Web site, Mr. McIntyre indicated he had gone to Swarthmore College for his undergraduate work and to Drexel University for his graduate work. However, Mr. Eichinger produced a letter from the Swarthmore College registrar’s office saying no records with the name Aaron McIntyre could be found. A phone call to the registrar’s office confirmed the authenticity and validity of the letter.

In questioning the candidate after the confirmation call with Swarthmore, McIntyre said he attended, but did not graduate from Swarthmore. He added that he went to Drexel for both undergraduate and graduate work simultaneously. But when asked whether he graduated, he tap danced. Instead of a straightforward yes or no, he replied, “That’s irrelevant.”

Such relevancy may be in the eye of the beholder, as may be his response to the question.

The Web site, while not explicitly saying he had degrees from Swarthmore and Drexel, such was the implication. Any casual observer would easily infer graduation. We hold that there was deliberate misrepresentation at best. And the fact that the Web site was changed the day after the story broke would support that contention.

The position of township supervisor does not require an advanced degree, not a bachelor’s degree or even any level of college education.

So why would anyone running for the office misrepresent his or her education? That question has not been addressed, and we think that it should come from the voters of Pennsbury. It is, after all, their township and they have a legitimate right to question the character of any candidate when there’s even a hint of misrepresentation.

The matter is not one of qualification. Of the two candidates, we think Mr. McIntyre to be the more qualified. He has been active in the township while Mr. Eichinger has not. He has involved himself in the areas of open space issues, his homeowners’ association and served on the Planning Commission.

Mr. Eichinger’s qualifications seem to be limited to being a township resident who has a friendly relationship with a former supervisor who chose not to seek reelection because the political climate was unfavorable.

And in that, the contest between the two candidates was nothing more than the continued battle between the two political factions in the township. And that, we believe, was the sole motivation for someone trying to “dig up dirt” on a candidate.

Mr. McIntyre may have been improperly vetted by the Republican Party but, without a serious challenge from a well respected independent candidate, he will be the next supervisor in Pennsbury. He won the election 302-124.

And he may very well be correct when he said the people have spoken, that in voting for him they are saying they want to move forward in unity, not split by faction.

About CFLive Staff

See Contributors Page https://chaddsfordlive.com/writers/

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Blogging Along the Brandywine: A series of disjointed ramblings

Old “Delicious”, a Belgium draft horse came trotting up Route 52 last week, pulling a wagon on an historic trip to the Mendenhall Inn.

This was not the typical horse- drawn carriage that often brings a bride and groom to receptions in the Grand Ballroom. “Delicious”, a rescued Amish workhorse, was bringing the first kegs of Twin Lakes beer to go on tap in the Commonwealth of Pennsylvania.

Now, I like covering art openings, musical theater, antique shows or anything historic – but beer? The only beer I ever liked was one I discovered in Germany – Berliner Weisse mit Schuss – a light beer made with wheat and served with a slice of lemon.  
 
But last week I found such a beer on tap at the Mendenhall Inn, Twin Lakes Winterthur Spring Wheat Ale. And even sweeter was the label featuring the art of Chadds Ford artist and museum founder George A. “Frolic” Weymouth.

Twin Lakes Brewery is the project of three local school friends; Matt Day, Sam Hobbs, and head brewer, Jack Wick. The brewery is located only minutes from Chadds Ford on Route 52, on a beautiful 252-acre farm in northern Greenville that has been in Hobb’s family for seven generations.

So why choose the Mendenhall Inn to enter the Pennsylvania market?

“I love the Mendenhall”, Day said enthusiastically. And as the first restaurant on Route 52 over the state line it was, as he said, “the low-hanging fruit.” In addition, the three young founders have a long-standing relation with the three Hionis sons.

Lou Hionis, owner of the Mendenhall Inn added, “They are very close friends. We grew up with them.”
 
“We remember when they were just talking about it. They found a location and took it to the next step. They made a dream a reality.”
    
To start the Delaware brewery, Hobbs returned from the University of Capetown, South Africa where he had earned his masters after earning a degree in physics at Berkley. Wick had majored in science, but discovered there was nowhere in the area to study the art of the brew master. “You teach yourself”, he said.

So Wick spent the next 15 years apprenticing and visiting 200-300 breweries on the west coast and Pacific Northwest learning his craft before returning east.

Wick said it takes five to seven gallons of water to make one gallon of beer. The water for the Twin Lakes Brewery comes from the two spring-fed ponds on the farm, part of the Brandywine and White Clay watershed. In addition all of the beers are brewed naturally without chemicals.  

And I really did find a beer I liked – Twin Lakes Greenville Pale Ale. It was smooth and had a hint of a floral taste.

Wick explained that the light-colored ale was rooted in the Pacific Northwest brewing heritage and used whole flower Cascade hops. It was so good that it was almost like a wine tasting. It would have been a sin to chug this “vintage” down with a common burger and fries.

“Beer is proof that God loves us and wants us to be happy” – a quote often wrongly attributed to a certain jovial founding father. But in this case, it just might be true.

About Sally Denk Hoey

Sally Denk Hoey, is a Gemini - one part music and one part history. She holds a masters degree cum laude from the School of Music at West Chester University. She taught 14 years in both public and private school. Her CD "Bard of the Brandywine" was critically received during her almost 30 years as a folk singer. She currently cantors masses at St Agnes Church in West Chester where she also performs with the select Motet Choir. A recognized historian, Sally serves as a judge-captain for the south-east Pennsylvania regionals of the National History Day Competition. She has served as president of the Brandywine Battlefield Park Associates as well as the Sanderson Museum in Chadds Ford where she now curates the violin collection. Sally re-enacted with the 43rd Regiment of Foot and the 2nd Pennsylvania Regiment for 19 years where she interpreted the role of a campfollower at encampments in Valley Forge, Williamsburg, Va., Monmouth, N.J. and Lexington and Concord, Mass. Sally is married to her college classmate, Thomas Hoey, otherwise known as "Mr. Sousa.”

Blogging Along the Brandywine: A series of disjointed ramblings Read More »

Mind Matters — The Continuum of Grief

There is no exit from life’s experiences. Grief, unfortunately, or perhaps fortunately, is a response to loss that no human being can avoid. Grief is our internal response to loss and includes emotions, physical reactions, and mental perceptions.

My own notion of grief is that it is as a continuum of loss. And continually we are faced with loss. There are the overwhelming losses of a family member—especially of one for whom it seemed incongruous or untimely—the adolescent driving home from a music lesson, with car going out of control; the talented woman artist overwhelmed by her sensitivity who suicides. At one end of the continuum, where these stories lie, we face tragic loss; at the other end of the continuum are the little losses that constitute everyday living.

Daily we meet death—little deaths. We continually change. We age. The philosopher Heidegger reminds us that, when we are born, we become “beings towards death.” Perhaps this seems depressing, almost a message of despair.

Instead of despair, we can celebrate each moment of life in living it fully. Ironically, in order to live life fully, we need to honor our grief, even the “little” losses. If we lose our jobs, we grieve. However, the colleagues left behind also grieve. They feel the loss of their coworker. This can be, in fact, demoralizing to a workforce. When a neighbor, who has been your walking buddy for twenty years, moves thousands of miles away, that too is a form of loss.

Change itself is loss. As we age, we face changes in the body’s ability to function; we lose mobility of body and cognitive ability of mind. It is a humbling experience that requires resilience of spirit and adaptability of mind.

I consult at a retirement community and find that staff and residents confront losses, large and small, every day.

We may wonder how a woman in her nineties elects to be fed solely by a feeding tube, never again to taste a meal. Then we witness her face becoming radiant when her daughter visits. And so, for her, life continues to have great meaning.

Meanwhile, another resident grapples with his ailments of aging while he worries how life will be for him if his wife dies first (given that she has a serious illness, this is a possibility). This resident, like all of us, needs to enjoy the moment of life he has right now, and live in gratitude for that moment.

The very connections and relationships we celebrate are, yes, the very ones that we grieve when we face loss. Rather than protect ourselves from that vulnerability to suffering, we actually need to dive into our connectedness to “stay alive” while we move through this journey called life. As Zorba the Greek (remember Kazantzakis?) would say, we need to take on “the full catastrophe” with open arms.

• Kayta Curzie Gajdos holds a doctorate in counseling psychology and is in private practice in Chadds Ford, Pennsylvania. She welcomes comments at MindMatters@DrGajdos.com or 610-388-2888. Past columns are posted to http://www.DrGajdos.com/Articles.

About Kayta Gajdos

Dr. Kathleen Curzie Gajdos ("Kayta") is a licensed psychologist (Pennsylvania and Delaware) who has worked with individuals, couples, and families with a spectrum of problems. She has experience and training in the fields of alcohol and drug addictions, hypnosis, family therapy, Jungian theory, Gestalt therapy, EMDR, and bereavement. Dr. Gajdos developed a private practice in the Pittsburgh area, and was affiliated with the Family Therapy Institute of Western Psychiatric Institute and Clinic, having written numerous articles for the Family Therapy Newsletter there. She has published in the American Psychological Association Bulletin, the Family Psychologist, and in the Swedenborgian publications, Chrysalis and The Messenger. Dr. Gajdos has taught at the college level, most recently for West Chester University and Wilmington College, and has served as field faculty for Vermont College of Norwich University the Union Institute's Center for Distance Learning, Cincinnati, Ohio. She has also served as consulting psychologist to the Irene Stacy Community MH/MR Center in Western Pennsylvania where she supervised psychologists in training. Currently active in disaster relief, Dr. Gajdos serves with the American Red Cross and participated in Hurricane Katrina relief efforts as a member of teams from the Department of Health and Human Services' Substance Abuse and Mental Health Services Administration.Now living in Chadds Ford, in the Brandywine Valley of eastern Pennsylvania, Dr. Gajdos combines her private practice working with individuals, couples and families, with leading workshops on such topics as grief and healing, the impact of multigenerational grief and trauma shame, the shadow and self, Women Who Run with the Wolves, motherless daughters, and mediation and relaxation. Each year at Temenos Retreat Center in West Chester, PA she leads a griefs of birthing ritual for those who have suffered losses of procreation (abortions, miscarriages, infertility, etc.); she also holds yearly A Day of Re-Collection at Temenos.Dr. Gajdos holds Master's degrees in both philosophy and clinical psychology and received her Ph.D. in counseling at the University of Pittsburgh. Among her professional affiliations, she includes having been a founding member and board member of the C.G. Jung Educational Center of Pittsburgh, as well as being listed in Who's Who of American Women. Currently, she is a member of the American Psychological Association, The Pennsylvania Psychological Association, the Delaware Psychological Association, the American Family Therapy Academy, The Association for Death Education and Counseling, and the Delaware County Mental Health and Mental Retardation Board. Woven into her professional career are Dr. Gajdos' pursuits of dancing, singing, and writing poetry.

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