February 1, 2012 - ChaddsFordLive.com

Margaret R. Fulton, of West Grove

Margaret R. Fulton, 49, of West Grove, died Tuesday, Jan.
31, at the Jennersville Regional Hospital. She was the wife of Robert S. Fulton
Jr., with whom she shared 30 years of marriage.

Born in Philadelphia, she was the daughter of Margaret
Pottenberg McAtee and the late Thomas McAtee, Sr.

She was a homemaker and she enjoyed deer spotting, all dogs,
shopping and professional wrestling.

In addition to her husband and mother, she is survived by
one son, Gregory Fulton of West Grove; one daughter, Megan Fulton of Newark,
DE; five brothers, John, Thomas, Michael, Timothy, and James “Pat”; one sister
Elizabeth McAtee.

Service and burial will be private.

Arrangements by the Foulk & Grieco Funeral Home in West
Grove.

About CFLive Staff

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Don’t run an economy

Opinion

The good news is that the
Republican Party primary season with its endless quasi-debating will only last
another seven months. The bad news is that people still have to put up with
seven more months of all but one candidate trying to convince the voting public
that he’s the best person to run the economy.

The problem is that no one can,
or should even try, to run an economy for 300 million people. Not even a
535-member Congress should attempt to run the economy. Consider how well the
economy is doing with government trying to do just that:

It was less than a year ago —
April of 2011 — when some among us were complaining of a national debt
exceeding $14.3 trillion. That was 98 percent of the country’s GNP. Now the
debt is in excess of $15.2 trillion and the debt ceiling has again been raised
to more than $16 trillion.

Such a financial state is not
only unsustainable, but is fiscal suicide. Yet neither of the front-running
candidates for the Republican nomination can admit that the problem comes from
a government knows best attitude.

It all comes down to spending.
Politicians from both sides of the aisle have been spending the people’s money
— money from taxes — as if the public were a cash cow that can be milked
forever. The soon-to-be impoverishing debt says otherwise.

Things have deteriorated to the point where the
United States has dropped to having the 10^th freest economy in the
world. Hong Kong, Singapore,
Australia, New Zealand, Switzerland, Canada, Chile, Mauritius and Ireland have
freer economies, according to the 2012 Index of Economic Freedom, a joint
project of The Wall Street Journal and the Heritage Foundation.

As reported
in Digitialjournal.com, “Increased tensions between government control and a
free market is most notable in developed countries where the reckless
government behavior has, in many cases, consumed any gains economic freedom may
have achieved in different policy areas.”

A free economy can’t —
shouldn’t — be controlled by a government. A free economy is made up of the
myriad decisions made by a free people: what individuals choose to buy, where
they choose t shop, whether they invest, save or squander.

When individuals make a mistake
with their money, they hurt only themselves. When government makes the mistake,
we all suffer.

About CFLive Staff

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

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Know Your Finances: April 16 is IRA deadline

Business

It’s hard to believe that we already have one month under
our belts in this new year! The market, as measured by the S&P 500, is up
4.5 percent for the month of January. Will it continue or will it fade? It’s
impossible to know the future of course, but we can reflect on what risks loom
large and what is driving market strength.

Economic recovery is not a slam dunk. Europe is still a
mess. And the mess is big and will take years to clean up. The weak countries
that borrowed to the hilt, like Greece, Italy, Spain, Ireland, must reduce
their debt loads in order to stay in the Eurozone. And that can’t happen overnight, which means it will take
some time before the Eurozone is stable again. Negotiations to restructure
Greece’s outstanding debt are still not resolved, though getting closer, and
bankruptcy remains a possibility. Europe in general is likely to be in
recession for 2012 and 2013. This kind of instability and slowdown has to
impact our economy too. Nonetheless, though we do a tremendous amount of trade
with Europe, we are a relatively closed economy and trade with Europe is not
our primary engine of growth.

I think economic recovery, however slow and gradual, is more
likely in the cards than another recession. We are seeing improvements in jobs,
bank lending, consumer confidence and spending, and even in housing. Plus, many strong companies can afford
to pay out higher dividends to shareholders than treasury bonds pay interest to
bondholders. Stock prices are not outrageously expensive across the board.

But the point of this month’s article is not to dwell on
economic Bull versus Bear arguments, but rather to bring up an important
seasonable reminder.

The deadline to contribute to Traditional IRA and Roth IRA
accounts for the 2011 tax year is Monday, April 16. If you can and should
contribute to these tax-advantaged accounts and you don’t, it’s like throwing
money into the trash bin.

For example, if you are over 50 years old and have $6,000 in
a personal account that can be moved over to an IRA account, based on an apples
to apples growth assumption of a mere 5 percent total return per year, that
$6,000 in your taxable account will grow to about $7,000 while the
tax-advantaged account will grow to about $9,800. That’s 40 percent more money
for the tax-advantaged account! Imagine if you contribute $6,000 each year for
the next 10 years. Your taxable account will grow to $65,000 while your IRA
will grow by 22 percent more to $79,000!

I took into account in my analysis that a portion of your
taxable account is taxed for both capital gains and dividends each year. Feel
free to contact me for a detailed explanation of my assumptions.

Even though you will have to take money out of your
Traditional IRA once you become 70.5 years old, which is taxed at your ordinary
income tax rate, it usually still makes sense to have the money grow in the
tax-deferred IRA. Of course, there are exceptions to this. People close to 70.5
won’t have enough time to reap the rewards of tax-deferred growth and other
people may already have too huge a pot of money in tax-deferred accounts
relative to their taxable accounts. But generally, it is a good strategy for
many people, especially if you can apply the contribution as a tax deduction.
And, for those people who qualify for making contributions to a Roth IRA, the
rewards are even larger since you won’t be taxed on the money when you withdraw
it.

Everyone’s financial situation is unique. Feel free to
contact me if you have questions about whether you can or should contribute to
either a traditional or Roth IRA before April 16. I am happy to help.

* Ellen Le is the
founder and president of Ascend Investment Management (www.ascendinvmgt.com).
She has been a financial planner and investment adviser for more than 20 years.
I look forward to receiving your
questions about anything related to investments, retirement planning, or the
economy. Send them to: ellen@ascendinvmgt.com and write “Chadds Ford Live” in
the subject line.

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.

Know Your Finances: April 16 is IRA deadline Read More »

Mind Matters: Our “Lot in Life” reframed

Health

Recently, I have been viewing “Downton Abbey,”a
Masterpiece Theatre saga on PBS. The setting is an English country estate in
the early 1900’s. The story is the interweaving of worlds between servants and
the served.

In one dialogue between a maid and her mistress, the disparate
“family mythologies” of each woman become clear. The Lady of the manor born
noted, “you can do anything you want” in an attempt to encourage her maid to
move on in life and go for the secretarial job she prized. The servant’s
response was “M’lady, that’s your world; that’s not true in mine.”

The servant accepted her constricted world as her fate, her “lot
in life” as my mother would put it. I always balked at that line—“lot in
life”—it is both true and false simultaneously.

Yes, there are certain parameters we cannot change—what family
we are born into, what country, what state, what city/town we were born in; what
genetics are ours. Perhaps we are discriminated against because of our race,
gender, or sexual orientation.

However, there are changes we can make in our “family
mythology.” These are the scripts we learn at so early an age we believe that
they are inscribed in stone. They aren’t. One of my own personal family
mythologies that is a work in progress for me is the maternal dictum, “my lot
in life.” While it is true there are some things about our lives we cannot
change, there is a “lot in life” we can.

One of the ways we can change our “lot in life” is to examine
what our firmly held beliefs are. What do we think are “absolutes,” “givens,”
about ourselves and others that might in fact be old scripts learned from our
families of origin (and society too). Old adages such as “I’m not good enough”
or “I’m not smart enough” or “I’m not allowed to have my own feelings” are
examples of old messages that need a big re-write.

Maybe we were teased or bullied and internalized those messages
making them our own. When we begin to examine the origin of these thoughts we
can begin to let go of them.

The unwritten rules from one family —or society — of origin
aren’t stuck on the refrigerator as reminders, they are stuck in our brains
almost as automatic as reflexes. The “commandments” may be about feelings (“You
don’t feel that way!”); space (“Don’t expect privacy.”);time; money; secrets;
neighbors; sexuality; play; touching; the body; religion; food; death/loss;
intelligence—and numerous other themes.

We may even discover that we lived in a family of origin where
our mother held one belief system and our father, the opposite. And if we had
to deal with separation and divorce of parents and subsequent blended families,
we have even more contradictory rules swimming in our heads.

What we need to do is reflect on what messages and themes we
want to change. Which rules might we find helpful in life, which ones need to
be challenged?

Our “lot in life” is what we choose to do with our “lot in
life.” Societal mythologies often overlap with family belief systems, but even
the “Downton Abbey” maid eventually fulfilled her dream of becoming a
secretary. Who knows what her grandchildren accomplished when “my lot in life”
was no longer a limiting admonishment but an invitation to follow their own
large journey.

* 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.

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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Get Real: ‘Tis the Season for Tax Breaks

Home and Leisure

Now that February has arrived,
many of us are pulling together our documents in preparation for April 17, the
date federal taxes are due this year. For those who have recently bought or
sold a home, there are a number of tax deductions that may be available.

Real estate broker commissions,
title insurance, legal fees, advertising costs, administrative costs, and
inspection fees are all considered selling costs and may be used to reduce
one’s taxable capital gain by the amount of the selling costs. That could
result in a big savings depending on the final sale price.

Interest that is paid on a
mortgage is also tax-deductible, within limits. A married couple filing jointly
can deduct all their interest payments on a maximum of $1 million in mortgage
debt secured by a first or second home.

Buyers may also be able to
deduct some of the interest they paid on a home equity loan or similar line of
credit.

One deduction that many buyers
often overlook is points. Points or origination fees on a home loan that were
paid during the purchase of a home are generally tax-deductible in full for the
year in which they were paid.

Refinanced mortgage points are
also deductible but only over the life of the loan – not all at once.
Homeowners who refinance can immediately write off the balance of the old
points and begin to amortize the new.

If your lender required private
mortgage insurance, the PMI premiums are tax-deductible for mortgages taken out
from 2007 through 2011. Making
improvements to property prior to the sale, or once one moves in, might qualify
for an interest deduction on your home-improvement loan. Qualifying capital
improvements are those that increase your home’s value, prolong its life, or
adapt it to new uses, such as adding a porch or installing energy-efficient
windows.

Many times during a sale, the
seller will send the local tax collector’s office a check for real estate taxes
prior to the closing. In many circumstances, however, the buyer will pay a
pro-rated portion of the taxes for the year at closing. This tax deduction also
gets overlooked.

For those working from home and
using a room exclusively for business purposes may be able to deduct home costs
related to that portion, such as a percentage of insurance and repair costs, as
well as depreciation.

In some instances, if you have
moved because of a new job, moving costs may be deducted. These can include
travel or transportation costs, expenses for lodging, and fees for storing your
household goods.

Every year the tax laws change
and certain tax deductions become available while others phase out. Just as you
use a professional REALTOR to help you with the complications of buying and
selling your homes, you should seek out a professional tax consultant to
prepare your taxes and find those tax breaks!

* Jim DeFrank and Beth Alois can be reached at 610-388-3700. Prudential
Fox & Roach is an independently owned and operated broker member of BRER
Affiliates Inc. Equal Housing Opportunity.

About Beth Alois

Get Real: ‘Tis the Season for Tax Breaks Read More »

Adopt-a-Pet Feb. 2

Local News

Margo is a beautiful young adult domestic short-haired cat
that is available for adoption at the Chester County SPCA. Margo was found outside after being
abandoned by her owners when they moved out of the area in early September. Upon coming to the shelter, it was
found that Margo was pregnant and so she was placed in a foster home to raise
her kittens and acclimate to a home environment. All of her kittens were since adopted, and Margo has been
waiting far too long for a new family.
She is an extremely outgoing and friendly cat who loves both to play and
snuggle as much as possible. Both
Margo’s personality and good looks set her apart as a truly wonderful cat –
especially for the special adoption fee of only $25! If you are able to provide Margo or any of our other animals
here at the shelter a home, visit the Chester County SPCA at 1212 Phoenixville
Pike in West Goshen or call 610-692-6113.
Margo’s registration number is 96805333. To meet some of our other adoptable animals, visit the
shelter or log onto www.ccspca.org.

About CFLive Staff

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

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Police log Feb. 2

Police

• State police are
investigating a Jan. 26 burglary at a residence on Ruby Road in Concord
Township. The incident happened between 8:20 and 11 a.m. A police report said
forced entry was used, but no other details were given.

• Police are investigating a
case of simple assault and terroristic threat during an incident in the area of
600 Evergreen Drive in Concord Township. A police report said a man identified as
Vincent Panarello, 48, of Glen Mills, dressed in dark clothing and wearing a
ski mask, approached a construction worker shortly after 6 a.m., pointed a gun
at the man’s face and said work was not to begin until 7 a.m. and if he did not
turn off his truck he would be back. He reportedly added that if he had to
return it would not be pretty. The
suspect then walked away, the report said.

• Police charged Carlos A.
Guillen-Martinez, 28, of West Chester, with driving too fast for conditions
following a one-car accident on Router 52 in Pocopson Township on Jan. 23. A
police report said Guillen-Martinez lost control of his car and failed to
negotiate a left curve. The car swerved off the road. Both the driver and a
passenger, Alfonso Jarillo-Chavez, 27, of West Chester, were reported to have
received minor injuries but neither were transferred to a hospital.

• Eric Lopez, 23, of Kennett
Square was charged with DUI after being stopped on Route 202 near McKenzies Bar
on Jan. 24 just after 11 p.m. A police report said he had been knocking on
doors in Chadds Ford asking for directions. He was later observed driving in
“an erratic manner,” the police report said. He allegedly showed signs of
alcohol impairment and failed to complete a field sobriety test.

• Police are investigating the
theft of a 6-foot tall cigar store Indian from the Red Clay Studio at 1631
Baltimore Pike in Chadds Ford. The suspect removed a metal chain that had
secured the statue to a post.

• A 38-year-old Chadds Ford
woman was injured in a two car accident on Route 202 on Friday, Jan. 27,
according to police. A report said Karen Wallace-Braun received minor injuries
when her car was struck near McKenzies bar about 1 p.m. The report said
Wallace-Braun was driving north in the left hand lane when Joseph F. McDowell,
61, of Granby7, Mass., driving in the right lane, turned into Wallace-Braun.
McDowell was cited and was not injured, the report said. Wallace-Braun was
transported to Riddle Memorial Hospital.

About CFLive Staff

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

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Bits & Pieces Feb. 2

Along the Ford

• Chadds Ford Township supervisors
voted 2-0 to purchase a new security system for the township building during
their Feb. 1 board meeting. The cost of the system — through Delco Alarm
Systems — is $12,000. The monthly fee will be $68. The monthly fee will be $68.

Supervisors also voted to appoint Concordville Fire and Protection Co. as its
fire marshal. Fred Field, Concord Township’s fire marshal will do the work.

• The Chadds Ford gallery
presents Nocturne, an exhibit of celestial themed artwork by 20 different
artists. The exhibit opens Friday, Feb. 10 from 5-8 p.m.

• Dozens of volunteers began receiving and sorting donations for
the 2012 Unionville High School Book Sale Saturday January 28. Co-Chair Cindy Hineman said the reason
this book sale is stands out among others is the organization of the books by
topic which makes it easy for people to find what they want. They expect 80,000 books on topics from
religion to SAT prep.

More than $35,000 was raised last year. Proceeds are distributed by the PTO for
special classroom projects. Awards
were given to fund requests from benches to e-books for Nooks.

Book collection will continue until Feb. 22. The sale runs for two days Friday
beginning Feb. 24 from 5 to 9 p.m. and Saturday from 9 a.m. to 2:30 p.m.. Bag sale is from 3-5 p.m.. Refreshments will be available during
the event.

For more information go to the Book Sale website http://www.UHSBookSale.org or e-mail
chair@UHSBookSale.org

• The Delaware Museum of
Natural History celebrates Presidents’ Day on Monday, Feb. 20, with Natural Leaders: Presidents and Nature,
sponsored by Exelon Power. This family-friendly event features hands-on
activities and crafts about presidents’ roles in environmental preservation and
conservation.
Visitors will learn important facts about past presidents and their effects on
the natural environment. Families can embark on a scavenger hunt around the
museum to find animals discovered on Thomas Jefferson’s Lewis and Clark
Expedition. A matching game will explain Theodore Roosevelt’s “natural”
empire of national forests, parks, and preserves. A special activity
incorporating duck stamps – along with live ducks – will highlight this
conservation effort begun by Franklin Roosevelt.
Admission is $8 for adults, $6 for children (3-17), $7 for seniors, free for
children 2 and younger and free for museum members.

• The Desmond Hotel &
Conference Center in Malvern is hosting a casino night for the Garo Yepremian
Foundation on Feb. 17 from 6:30-11:30 p.m. The foundation raises funds for
brain tumor research. Proceeds support Jefferson Hospital for Neuroscience’s
brain tumor research program. It was a brain tumor that led to the death of
Yepremian’s daughter, Debby, a Unionville High School graduate. She was 26. For
information, reservations or tickets call 610-249-2121 or email events@desmondgv.com

• The landmark endeavor by the Brandywine
Conservancy to protect the nearly 5,400 acres of critical farm and forest
land of the former King Ranch property in Pennsylvania and its valuable water
resources that feed the Brandywine Watershed is chronicled in the new book, “Catalyst for Conservation: The Brandywine
Conservancy’s Success in Saving King Ranch Lands in Pennsylvania.”
It was
written by David Shields and Bill Benson. Shields worked on the King Ranch
project almost from its inception and currently works as associate director of
the land stewardship program of the Brandywine Conservancy’s Environmental
Management Center. Benson is the former director of the Chisholm Trail Heritage
Center in Duncan, Oklahoma, and conducted archival research about the King
Ranch and its former president, Robert J. Kleberg. A book signing will be held
at the Brandywine River Museum on Sunday, April 22, from 1 to 3 p.m., including
a lecture by David Shields from 1 to 1:30 p.m.

• Become a Certified Food
Manager in Chester County. The National Restaurant Association’s ServSafe®
Certification Course will be offered by Penn State Extension in Chester County on
Feb. 14, from 8 a.m. to 5 p.m. The course includes the ServSafe® Essentials
book and exam. Books and exams are available in other languages—call for
details. The class will be held at the office of Penn State Extension, Chester
County Government Services Center, 601 Westtown Road, Suite 370, West Chester.
To register, go online to http://extension.psu.edu/chester and look under
Upcoming Events/more or call 1-877-489-1398. Registration deadline is Feb. 7,
2012.

About CFLive Staff

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

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Kids learn food safety during robotics competition

School & Education

Education can take many forms.
Even a robotics competition can teach kids about food safety.

That was the case for The
Robotic Chargers, a group of C.F. Patton Middle School and Chadds Ford
Elementary School students taking part in the First Lego League competition at
the Bob Carpenter Center in Newark on Saturday, Jan. 28.

The competition has three
parts, a robotics challenge, a research project and a core value judging.

According to Kim DuPont, one of
the team’s coaches, First Lego League sends out a topic each year. This year
the topic was food factor and the students did the research, choosing to study
campylobacter.

“They did research. They went
on the CDC Web site. CDC gives great statistics on what are the most common
bacterial and viral infections. We found campylobacter is the leading cause of
putting people in the hospital. So we decided to see what food that attacks —
chicken,” DuPont said.

She said campylobacter sends
about 9 million people to the hospital each year.

One thing the students have to
do is come up with a solution to the problem.

“…[O]ur solution was
ionization,” said DuPont. “You have ions that stick to campylobacter. They have
things called pilli that stick out of them. They’re very sticky bacteria. So
our ions stick to the campylobacter, pull them off the chicken in a vacuum
process. We created a system called Mr. Food Safe, which uses positive
ionization to suck campylobacter and other bacteria off of chicken.”

The robotics challenge part of
the competition dealt with food and food handling, with only a partial
connection to the research project.

“One of our missions [was] to
get bacteria out of a tractor trailer, a refrigerated tractor trailer that has
two red bacteria in it. So, our mission is to grab the trailer, get it into
bays and dump out the bacteria,” said DuPont.

Other “missions” involved using
the robot to remove a model rat “from the food world” while another involved
cleaning an area of fish.

She added that there was a
practical learning application to the project: “If you’re clean and you follow
proper safety issues and wash your hands and clean up around the kitchen, you
won’t have bacteria laying around your counter top.”

There were 42 teams involved in
the competition, some from Washington, D.C. and from Virginia.

The Robotic Chargers are sixth-grader Andrew Binder from Charles F. Patton
Middle School and fifth-graders Anand Raju, Joshua Binder, Kessler
DuPont-Teevin, Liam Jackson and Mira Zutshi from Chadds Ford Elementary School.

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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