Golden Times

A MONTHLY MAGAZINE FOR THE REGION ’ S RETIREES BY TA RG ET PUBLICATION S

GOLDENTIMES

Nov. 5, 2012 / VOL. 22, NO. 11

Casting Ballots

Sam Riggs has been voting for 80 years, a privilege he takes seriously / Page 16

INSIDE

Senior lunchmenus• Page 3

Volunteer of the Month• Page 20

HouseCall• Page 21

SeniorTalk• Page 23

GOLDEN TI MES MONDAY, NOVEMBER 5, 20 122

EDITOR

Mary Tatko

COORDINATOR: Peggy Hayden

Golden Times is inserted in the Tribunethe first Monday of every month.

To advertise, contact your Tribuneadvertising sales representative at

(208) 848-2292.

On the cover: Sam Riggs, a resident at Royal Plaza in Lewiston, casts his vote with the help of his son,

Dick Riggs.

Photos by: Kyle Mills of the Tribune

Golden TimesP.O. Box 957, Lewiston, ID 83501

(208) 848-2243

GOLDEN

TIMESINDEX:

Social Security Q&A ................... Page 5

Briefs .......................................... Page 6

Women’s nutrition ....................... Page 7

Birthdays .................................... Page 9

Crossword solution .....................Page 13

Reader poetry ............................. Page 15

Volunteer opportunities ..............Page 18

Working seniors .........................Page 19

Sudoku ........................................Page 22

Social Security payment changes ....Page 24

Interest income ...........................Page 25

Sudoku solution ..........................Page 29

Macular degeneration treatment ......Page 29

Crossword ...................................Page 31

Thought for the month

“Find the good — and praise it.”

—Alex Haley

WHO AM I?

My birthday is Nov. 5,

1911.

My nickname is “King of

the Cowboys.”

I was married four times

and co-starred with my

fourth wife in numerous

movies as well as a radio

and television show.

Answer onPage 6

312 St. John’s Way, Lewiston, ID

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THE OWL

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Power Lift Chairs

Four Wheeled

Walker with Seat

Adjustable Hospital Beds

Large selection of medical equipment and supplies, including compression stockings.

Heavy Duty

Walkers

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Toilet Rails

Thank you veterans for defending our great nation!

M O N D A Y, N O V E M B E R 5 , 2 0 1 2 G O L D E N T I M E S 3

TUESDAY, NOV. 20

Senior Round Table Nutrition Program

Meals are served Tuesdays, Thursdays and Fridays at the Pautler Senior Center, 549 Fifth St. No. F in Clarkston; and Tuesdays and Thursdays (except the 3rd Thursday

each month) in Asotin. A salad bar is available at 11:30 a.m. Fridays only. Suggested donation is $4 for those 60 and

older. Cost is $7 for those younger than 60.

Parks & Recreation Senior Nutrition Program

The Senior Nutrition Program serves hot lunchs at noon Mondays-Wednesdays at the Lewiston Community

Center, 1424 Main St. and the United Methodist Church, 1213 Burrell Ave. Dessert is served each Wednesday. Suggested donation is $4 for seniors age 60 and older.

There is a charge of $5 for those younger than 60.

Meatloaf / mashed potatoes and gravy / salad / corn / biscuit

French toast / sausage / spinach / applesauce / fruit juice

TUESDAY, NOV. 6

THURSDAY, NOV. 8

FRIDAY, NOV. 9

TUESDAY, NOV. 13

THURSDAY, NOV. 15

FRIDAY, NOV. 16

THURSDAY, NOV. 22

FRIDAY, NOV. 23

TUESDAY, NOV. 27

THURSDAY, NOV. 29

MONDAY, NOV. 5

TUESDAY, NOV. 6

WED., NOV. 7

Turkey / dressing / potatoes / vegetable

Sweet and sour meatballs / rice / vegetable

Pork chops / potatoes / vegetable

Chicken ala king / rice / vegetable

Prime roast beef / potatoes / vegetable

CLOSED FOR THANKSGIVING

Salisbury steak / potatoes / vegetable

Ham / potatoes / vegetable

Pasta combo with meatballs / vegetable

Chicken cordon bleu / barley pilaf / vegetable

Meatloaf / mashed potatoes and gravy / vegetable

Pot roast / oven-roasted vegetables / buttered noodles

MONDAY, NOV. 12

Moscow Friendly Neighbors Nutrition Program

Meals are served at noon Tuesdays and Thursdays in the Great Room of the 1912 Center, 412 E. Third St.

Suggested donation is $4 for people age 60 and older and $6 for those younger than 60. Salad bar is available at

11:30 a.m. The dessert bar and soup is served year-round.

TUESDAY, NOV. 13

WED., NOV. 14

MONDAY, NOV. 19

TUESDAY, NOV. 20

WED., NOV. 21

MONDAY, NOV. 26

TUESDAY, NOV. 27

WED., NOV. 28

FRIDAY NOV. 30

Hamburger on a bun / baked beans / corn / pears / cookie

Breaded baked fish / tater tots / salad / pineapple

Salisbury steak / mashed potatoes and gravy / broccoli / roll / apples

German sausage / sauerkraut / scalloped potatoes / peas and carrots / corn muffin / Jell-O with fruit

Italian wedding soup / roll / salad / peaches

Turkey with stuffing / mashed potatoes and gravy / green beans / cranberries / pumpkin pie



Roast beef / mashed potatoes and gravy / carrots / roll / cake / ice cream

Chicken strips / macaroni and cheese / fiesta-blend vegetables / apple crisp

Potato soup / cheese stick / salad / pears

Sweet and sour pork / rice / carrots / coleslaw / pudding / roll

Baked chicken / potatoes and gravy / green beans / Jell-O salad / roll

CLOSED FOR VETERANS DAY

Spaghetti / salad / green beans / French bread / fruit

Roast beef / mashed potatoes and gravy / carrots / cucumber salad

Beef stroganoff / broccoli / salad / roll / cookie

Chicken-fried steak / mashed potatoes / three-bean salad / carrots / biscuit / pudding

Roast turkey / dressing / potatoes and gravy / yams / salad / roll

Baked ham / scalloped potatoes / peas / applesauce / corn bread

Hot-beef sandwich / mashed potatoes and gravy / corn / salad / fruit

Roast pork / potatoes and gravy / green beans / Jell-O salad / roll

TUESDAY, NOV. 6

THURSDAY, NOV. 8

TUESDAY, NOV. 13

THURSDAY, NOV. 15

TUESDAY, NOV. 20

THURSDAY, NOV. 22

TUESDAY, NOV. 27

THURSDAY, NOV. 29

TUESDAY, DEC. 4

THURSDAY, DEC. 6

TUESDAY, DEC. 11

THURSDAY, DEC. 13

Let your voice be heard.

Remember to

vote Nov. 6.


A Golden Times EventLewiston Tribune 2012 Senior Fair

DoorPrizes

Visit Booths and Displays From The Following Vendors

Bean Bag Toss

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Activities

• Serenity Place

• Addus Healthcare

• Guardian Angel

Homes

• Garlinghouse

Memorials

• ANS Alternative

Nursing Services

• Auburn Crest

Hospice

• Adcope Athletic

Club

• Aging & Long

Term Care

• Meals on Wheels

• Live Strong

• Coldwell Banker

Tomlinson

Kristin Gibson &

Teresa Manyon

• The Owl Home

Medical

• Seubert’s Quality

Home Care

• Life Care Center

• American

Insurance

• Interlink

• Miracle Ear

• Gold’s Gym

• A Compassionate

Care Company

Friday, Nov. 9th

10am – 5pmLewiston

Center Mall1806 19th Avenue

MCCLATCHYTRIBUNE NEWS SERVICE

Q: What can I do to protect myself against identity theft?

A: First, don’t carry your Social Security card in your wallet. Keep it at home with your other important papers. Second, avoid giving out your Social Security number. While many banks, schools, doctors, landlords and others will request your number, it is your decision whether to provide it. Ask if there is some other way to identify you in their records.

To report identity theft, fraud, or misuse of your Social Security number, the Federal Trade Commission, the na-tion’s consumer protection agency, recommends you:

1. Place a fraud alert on your credit le by contacting one of the credit reporting companies. The company you contact is required to contact the other two, which will then place alerts on your reports: Equifax, (800) 525-6285; Trans Union, (800) 680-7289; or Experian, (888) 397-3742.

2. Review your credit report for inquiries from compa-nies you have not contacted, accounts you did not open, and debts on your accounts you don’t recognize.

3. Close any accounts you know, or believe, have been tampered with or opened fraudulently.

4. File a report with your local police or the police in the community where the identity theft took place.

5. File a complaint with the Federal Trade Commission at (877) 438-4338 (TTY [866] 653-4261).

•••Q: I’m retired and the only income I have is from an

Individual Retirement Account, or IRA. Are my IRA with-

drawals considered “earnings”? Could they reduce my monthly Social Security bene ts?

A: No. We count only the wages you earn from a job or your net pro t if you’re self-employed. Non-work income such as annuities, investment income, interest, capital gains, and other government bene ts are not counted and will not affect your Social Security bene ts. Most pensions will not affect your bene ts either. However, your bene t may beaffected by a government pension from work on which you did not pay Social Security tax. For more information, visit our website at www.socialsecurity.gov or call us toll free at (800) 772-1213 (TTY [800] 325-0778).

•••Q: How do I earn coverage for Social Security?

A: You earn Social Security credits, sometimes referred to as quarters of coverage, when you work and pay Social Security taxes. The credits are based on the amount of your earnings. In 2012, you re-ceive one credit for each $1,130 of earnings, up

to the maximum of four credits per year. Each year, the amount of earnings needed for a credit goes up slightly as average earnings levels increase. Generally, a person needs 40 credits to be eligible for retirement bene ts.

There are special rules for the self-employed. Read more about self-employment and Social Security in our online publication, “If You Are Self Employed,” at www.socialsecurity.gov/pubs/10022.html.

To learn the amount required for Social Security cred-its for prior years, see “Quarter of Coverage” at www.socialsecurity.gov/OACT/COLA/QC.html.

•••Q: I am applying for Extra Help with Medicare prescrip-

tion drug costs. Can state agencies help with my Medicare costs?

A: When you le your application for Extra Help with Medicare prescription drug costs, you also can start your application process for the Medicare Savings Programs — state programs that provide help with other Medicare costs. When you apply for Extra Help, Social Security will send information to your state unless you tell us not to on the application. Your state will contact you to help you ap-ply for a Medicare Savings Program.

MONDAY, NOVEMBER 5, 20 12 GOLDEN TI MES 5

Social Security

Q & A

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New opportunities in real estate allow condo or townhouse ownership with no maintenance responsibility! Or nice homes with no stairs and layouts that take advantage of main Þoor utilities! Vhere are many options in the housing market at different price levels to make your life more enjoyable!

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REVERSE MORTGAGE


Groups and organizations can submit informa-tion, pertaining to seniors in the region, to be published in Golden Times monthly magazine. All submissions are subject to space availability and editing.

Submissions should be emailed to:[email protected] mailed to:Target PublicationsP.O. Box 957Lewiston, ID 83501Information for December’s issue must be re-

cieved by Nov. 16 to be considered.Questions about submitting information can be

sent via email or by calling (208) 848-2243.

Answer to WHO AM I?

Roy Rogers

Briefs

Drivers safetyclass free to vets

During the month of Novem-ber all veterans are eligible to take AARP Drivers Safety classes free

of charge.The classes are also free to vet-

erans’ families. These classes are open to everyone, but veterans and their families will be given prefer-ence for the month.

There are two classes being of-fered in the region this month.

Nov. 13-14, 8:30-11:30 a.m. each day, Gritman Medical Center, 700 S. Main St., Moscow. Registra-tion for this class can be done by

calling Dick Bull (208) 882-2420. Nov. 17, 8:30 a.m. to 5:30

p.m., St. Joseph Regional Medical Center, 504 Sixth St., Lewiston. Registration for this class can be done by calling Arnold Lee at (208) 301-8844.

Cost for the class is $12 for AARP members and $14 for non-members. Completion of the course may result in insurance discounts and up to a three-point reduction for

Idaho drivers on their licenses.

Music during lunch

is in honor of vetsIn honor of veterans the Quad

Cities Sax Ensemble will play during Senior Round Table lunch service Thursday at Pautler Senior Center.

The center will be closed for the

Thanksgiving holiday Nov. 22-25, but the Weight Watchers group will still meet at the center Nov. 23 from 8-10 a.m.

The general board meeting for the senior center is at 9 a.m. Nov. 14 and bingo will be played from 6-8 p.m. Nov. 19.

Pautler Senior Center is located at 549 Fifth St. in Clarkston.

NARFE monthly meeting Nov. 28

The National Active and Retired Federal Employees meeting will be held at noon Nov. 28 at Macullen’s restaurant, 1516 Main St., Lewis-ton.

The program will be on resources offered by Avista Utilities, present-ed by Mike Tatko. Tatko will also give an overview of the company’s operations.

All current and retired federal employees can attend meetings, where issues focusing speci cally

Regence BlueShield of Idaho is a Health plan with a Medicare contract. The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Limitations, co-payments, and restrictions may apply. Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1 of each year.

Regence BlueShield of Idaho is an Independent Licensee of the Blue Cross and Blue Shield Association © 2012. Regence BlueShield of Idaho, all rights reserved.

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on federal employment, such as bene ts are discussed.

Sons of Norway will meet in November

The Elvedalen Lodge No. 129 will have its monthly meeting at noon Nov. 17.

The meeting will include a pot-luck and a short business meeting.

The program will be presented by Doug and Marian Eier about their recent trip to Norway and Scotland.

The Sons of Norway is an orga-nization for those of Scandinavian descent as well as those interested in the culture. All meetings are open to visitors.

Volunteer program starting in Pullman

PULLMAN — The Pullman Community Council on Aging has announced the start of a new vol-unteer program called the Senior Chore Program.

Senior Chore is set to start in January and will recruit commu-nity volunteers to assist seniors living at home with household chores, yardwork, companionship and transportation.

Projects will vary from one-time chores to ongoing needs and will be free of charge to seniors. Seniors will be identi ed through partnerships with the Pullman Se-nior Center, Council on Aging and Human Services, Rural Resources

and through local churches.The Senior Chore Program is

currently seeking a part-time co-ordinator as well as volunteers. More information about the pro-gram is available by calling Troy Robey at (509) 592-7554 or via email to [email protected].

Thanksgiving dinner at senior center

The Sixth Street Senior Center in Clarkston will have its annual free Thanksgiving dinner for the community at noon Thanksgiving Day.

The meal will include turkey with all of the traditional xings.

The dance regularly scheduled for that Thursday has been can-celed, but dances will take place the other Tuesdays and Thursdays in November. Cost is $4 per per-son.

Other meals at the center this month include, a pancake feed with sausage at noon Nov. 14 and a potluck, with meat furnished by Emeritus at Juniper Meadows, will take place at noon Nov. 28.

Foot care is scheduled at 9 a.m. Wednesday and the Sixth Street Senior Center Board will meet at 9 a.m. Nov. 20.

Briefs

Got an opinion ona timely issue?

Vote in the Tribune’s weekly online poll. www.lmtribune.com

By CAROLYN O’NEILFOR THE ATLANTA JOURNAL

CONSTITUTION

Looks like eating more fruits and vegetables is the not-so-surprising secret to weight control for older women.

It’s a common complaint as waistlines widen with advancing birthdays, especially for post-meno-pausal women, who typically say, “I’m eating the same, but the num-bers on the scale just keep creeping higher.” What’s not the same, un-fortunately, is the body’s metabolic rate, which naturally slows down with age. Add to that a lifestyle that’s often less active and you’ve got the math to verify that calories-in vs. calories-out can move the scales in the wrong direction.

Sure, you can step up the exer-cise regime and vow never to or-der dessert again. But according to a new study of nearly 500 over-weight women in their 50s and 60s, it’s what they were adding to their meals that ultimately helped them lose weight and keep it off.

Dr. Bethany Barone Gibbs and colleagues at the University of Pitts-burgh studied eating habits of wom-

en who lost weight over short term

(six months) and long term (four

years). The highly motivated diet-

ers in the six-month group ate fewer

desserts and fried foods, drank few-

er sugar-sweetened beverages and

ate more sh.

After four years, the women

were still saying “no” to pie and soda fairly often, but the habit that emerged as the most powerful pre-dictor for long-term weight loss was eating more fruits and vegetables, followed by eating less meat and

Adding fruits and veggies to diet helps older women keep weight off

See NUTRITION, page 8

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Applications are being taken at this

time for veterans and spouses/widows

who are in need of skilled nursing care.

CALL NOW FOR PLACEMENT

Limited openings available

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cheese. Good news for Southerners: They weren’t necessarily skipping fried foods.

“People are so motivated when they start a weight-loss program,” said Barone Gibbs. “You can say, ‘I’m never going to eat another piece of pie,’ and you see the pounds coming off. Eating fruits and vegetables may not make as big of a difference in your caloric intake. But that small change can build up and give you a better long-term result, because it’s not as hard to do as giving up french fries forever.” Dur-ing the four-year study, the number of times dieters ate out in restaurants declined, but Bar-one Gibbs chalks that up to the downturn in the economy, not a sign that eating out less is linked to weight loss.

A weight-control study published in the September issue of The Journal of the Acade-my of Nutrition and Dietetics showed that add-ing just two servings of fruits and vegetables to a daily diet was linked to a 3-pound weight loss over four years. This may not sound like much, but keep in mind that most folks gain weight every year.

It turns out the small changes we can sustain during the long haul make the biggest differ-ence in life-long weight control.

Carolyn O’Neil is a registered dietitian. Her email address is [email protected].

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Did you know:Small-time gamblers who place a

small bet in order to prolong the ex-citement of a game are called “dead ›sh„ b{ game operators becawse the longer the pla{ing time. the greater the chances of losing.


Birthday submissions

Birthdays starting at 70, and every

year after, will be accepted for publica-

tion in Golden Times in the month of

the birthday only.

The limit for each submission is 200

words. Photographs are welcome.

Birthday submissions must include the

name and phone number of the person

submitting information. If you would like your photo returned, please include a self-addressed, stamped envelope.

If you have questions about submitting

a birthday, please call (208) 848-2243.

Mailed information may be sent to:

Golden Times, P.O. Box 957, Lewiston, ID 83501; emailed

submissions should be sent to

[email protected] birthdays must be received

by 5 p.m. Nov. 16.

y NUTRITION,

continwed from page 9

Valley Meals on Wheels

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Addus HealthCare has provided comprehensive in-home services since 1979. Community based, we coordinate

with physicians, insurers, case managers, and families to develop individualized, cost-effective, preventative

treatment plans focused on effective care and patient education. Our services include:

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Call us to discuss your home care needs, and how you can live more independently in the comfort of your home.

HAROLD SILFLOW

Harold Silflow of Lewiston was honored Saturday at Guardian Angel Homes Barn. The occasion was his 90th birthday.

He was born Nov. 2, 1922, in Cameron, to Fred and Iona Silflow.

He began farming his own land in Leland at age 20 and farmed for 42 years before retiring in 1984. He moved to Lewiston in 2008.

He married Mildred Heimgartner

y Jan. 10, 1943, in Cameron. She died in 1988.

He has one daughter and two grandchildren.

He and Dorothy King were married May 24, 1992, in Cameron.

He was a member of Cameron Lutheran Church

until moving to Lewiston. He

currently attends Orchards

United Methodist Church.

His hobbies are horse teams and

buggies. He also enjoys visiting with

family and friends.


NOV. 1

HUBERT FREI

H u b e r t Frei of L e w i s t o n turned 94 Thursday.

He was born Nov. 1, 1918, to Clem and Philomena Frei. He was the middle child of 15.

His hobbies include wood-working, fishing and spending time with his family.

He currently resides at Emeritus at Juniper Meadows in Lewiston.

His wife, Clora, died Oct. 27, 2011.

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Got an opinion on a timely issue?

Vote in the Tribune’s weekly online poll. www.lmtribune.com

FLORA EDWARDS

Flora Edwards of Clarkston was honored Saturday at the United Methodist Church in Clarkston. The occasion was her 90th birthday. She was born Nov. 2, 1922.

She graduated from high school in 1943 and began nurses training in 1944, receiving her degree three years later.

She met Carl Edwards in Spokane and they were married in 1946. The couple moved to Clarkston in 1991.

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BONNIE WASSMUTH

B o n n i e Wassmuth of G rangev i l l e will cel-ebrate her 80th birthday Wednesday.

She was born Nov. 7, 1932, in Cottonwood, to Henrietta and Lawrence Goeckner.

She attended school in Ferdinand and grad-uated in 1950.

In 1952, she married the love of her life, Leonard Wassmuth. The couple celebrated 60 years of marriage Oct. 25.

She worked in Grangeville at the Shamrock Cafe and at Joseph’s Bakery. She also provided child-care for her friends and family, which she

y really enjoyed. She and her hus-band pur-chased Len’s Self Service Laundry in 1972, which they owned and operat-ed for many years.

Her hob-bies include s p e n d i n g

time visiting with friends and family, reading magazines, going out to lunch and watching Days of Our Lives, which she has watched since its beginning. She also enjoys eating coconut cream pie.

She has two daugh-ters, five grandchil-dren, seven great-grandchildren and one great-great-grand-child.


NOV. 7

BETTY MAE HANSON

Betty Mae Hanson of Lewiston will turn 90 years old Wednesday.

She was born Nov. 7, 1922, in Los Angeles.

She grew up in Santa Ana, Calif., and attended St. Joseph’s Elementary School, Willard Junior High and Santa Ana High School. She gradu-ated from Santa Ana Junior College.

She married Conrad Jacob Hanson Aug. 22, 1943.

After her husband died in 1991, she moved to Green Valley, Nev., for eight years

y and then moved back to Lewiston.

She has six chil-dren, 10 grandchil-dren and 13 great-grandchildren. She had one son who died.

She is a member of All Saints Catholic

Church. She volun-teers through the

WA-ID Volunteer Center for numerous activities and orga-nizations. She also volunteers at the Masonic Thrift Store. She participates in plays at the Lewiston Civic Theatre and entertained audiences during her performance when she appeared on stage in her bikini T-shirt.

JUANITA PELTIER

J u a n i t a Peltier of Lewiston will turn 86 years old Friday.

She was born Nov. 9, 1926, in Lewiston, to Vern and Mary McKinney. She went to school in Clarkston.

She married Henry Peltier Oct. 28, 1946, after he returned from serving in the U.S. Navy during World War II. The couple just cel-ebrated 66 years of marriage.

She volunteered for the Banana Belt Seniors (now the Senior Nutrition Program) for 17 years. She also worked for ATK and Becks Inc.

She and her husband enjoy traveling, play-

y ing pinochle, and vis-iting with family and friends.

She is a char-ter mem-ber of the Ve t e r a n s of Foreign W a r s Aux i l i a r y No. 10043

and is a member of the American Legion Auxiliary No. 0013.

On Oct. 30, 1976, she became the first woman to make a hole-in-one at the Lewiston Municipal Golf Course (now Bryden Canyon Golf Course).

The couple have three children, 12 grandchildren, 25 great-grandchildren and two great-great-grandchildren.

NOV. 9

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Anna J. Layes of Culdesac will turn 95 on Nov. 12.

She was born in Spokane at Park Hill Hospital to Joseph and Myrtle Hall in 1917. She was raised on a small farm outside of Nezperce and attended Mount Vale, a one-room schoolhouse

through the eighth grade. She gradu-ated from Nezperce High School in 1936.

She married Edward Layes in 1940 and the couple lived in Spalding for nearly 20 years before moving to Mission Creek in 1960.

She has six sons, 11 grandchildren and six

y great-grandchildren. She also had a son who died. Her husband died in 1998, after nearly 60 years of mar-riage.

She stays busy by baking, sewing, watching a little TV, going to card parties and dancing at least twice a week or as often as possible.

She is a devoted Catholic and thanks God every day for her good health, which goes without saying. If you ask her how she is doing her reply is, “Just perfect, I have no aches or

pains.”She celebrated her birthday with family and

friends during the Labor Day weekend.


GERTRUDE WHITE RING

Gertrude White Ring of Orofi no will be 93 Nov. 12.She was born in 1919, in Teaken, Idaho. She attended

school in Cavendish and moved to Orofi no in 1939.She worked various jobs before going to work at the

Corner Store (now Glenwood IGA), where she remained working for 24 years.

She married Sturlie White in 1943. They had one daughter, who lives in Craigmont.

She married Carl Ring in 1969 and he died in 1973.She enjoys going to the Senior Center meal site twice a

week for lunch and visiting with friends.

y

NOV. 12

JOHN LAGERQUIST

John Lagerquist of Orofi no will turn 80 on Nov. 13.

He was born in Ashville, N.C., in 1932 and moved to Redlands, Calif., when the Blue Ridge Parkway took his family’s home in 1945.

He married Bobbi in

y 1955 and they have two children.He did three overseas tours with the

Department of Defense; the fi rst to Vietnam, the second to Saudia Arabia and the last to Italy.

The couple moved to Orofi no in 1990.He is a member of National Active and

Retired Federal Employees Association, the hospital auxiliary, Ascension Lutheran Church and has volunteered in many areas as needed.

NOV. 13

Lewiston Tribune

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NORMA SCHUMACHER

Norma Schumacher of Greencreek will be 80 years old on Nov. 22.

She was born in 1932 to John A. and Clara K. Frei. She graduated from Ferdinand High School in 1950.

On June 6, 1951, she married Ed Schumacher. They had eight children. The couple farmed and raised their family in Greencreek.

She enjoys yard work, playing cards and spending time with her family.

y

ELMA HAZELTINE

Elma Hazeltine of Kendrick will turn 95 on Nov. 19.

She was born at Cloverland, near Asotin, in 1917, to Arthur and Grace McMillan. She attended grade school in Cloverland and graduated from Asotin High School.

In 1937, she married Pearl Hazeltine. They lived in Asotin until 1940, when they moved to a farm in Kendrick.

She has two children, two grandchildren and two great-grandchildren. She also had a

y son who died.She is a lifetime member of the

Veterans of Foreign Wars Auxiliary and a longtime member of different home demonstrations clubs in the area.

She taught Sunday school at the Kendrick Methodist Church for many years.

In 1986, she moved from the fam-ily farm on Big Bear Ridge to her current home.

Her hobbies include sewing, embroidery, oil painting and raising roses.

LILLIE A. MCCALL

L i l l i e A . Heimgartner McCall of Lewiston will be honored on her 100th birthday at Life Care Center of Lewiston, 325 Warner Drive, in the grand dining room from 2 to 4 p.m. Nov. 17.

She was born Nov. 17, 1912, the third of nine chil-dren, to Robert and Bessie Heimgartner on Fix Ridge, near Juliaetta.

Since moving to Life Care, some of her favorite pastimes

y are playing bingo, 5000, bowling, reading and going for outings in the Life Care van. She especially looks forward to having visitors.

She is a mem-ber of Our Savior’s Lutheran Church.

She has one daugh-ter, two granddaugh-ters and three great-grandchildren.

She welcomes all of her family and friends to come and help her cel-ebrate her 100th birthday. Your presence will be your special gift to her.


NOV. 17

HAPPY THANKSGIVING!

NOV. 19

NOV. 22“Success is to be

measured not so much by the position that one has reached in life as by the ob-stacles which he has overcome while try-ing to succeed.”

—Booker T. Washington

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HELEN VERNON

Helen Vernon of Orofino will be 78 on Nov. 27.

She was born in 1934 at Orofino and graduated from Orofino High School in 1954.

She married Jim Vernon on April 3,

y 1970. He died in 1983. She received a

25-year pin and award for her many years

of volunteer work. She volunteers twice

a week at the senior meal site. She also

visits Brookside Landing and plays bingo,

which she enjoys. Her hobbies include

music and dancing.

ALTHEA SPENCER

Althea Spencer of Moscow will be 88 on Nov. 30.

She was born in Eatonville, Wash., and moved to Moscow in 1932 while in grade school. She graduated from the Ursuline Academy, St. Mary’s Girls High School in 1942 as valedictorian of a class of three.

The day after graduation, she packed and boarded a train for Seattle where she wed Clyde Spencer.

She began spotting planes for Air Civil Defense at Point No Point, Wash., and in 1943, she and her hus-band returned to the area.

She has six children, 10 grandchildren, 14 great-

y grandchildren and one great-great-grandchild.

She worked at the Moscow School District Administrative Office for 20-plus years, was assistant city administrator in Grand Coulee, Wash., and was city clerk in Zillah, Wash., and spent 15 years work-ing for Washington State University.

She is an avid volunteer and a member of the Church of the Nazarene, where she has held nearly every office, made hundreds of cos-tumes, directed plays and spent her life helping others.

She now enjoys driving through the beautiful Northwest and spend-ing time with family.

LAVERNE A. (VERN) COULTHARD

Vern Coulthard of Lewiston will be celebrating his 90th birthday Nov. 23.

He was born in Chadron, Neb., to Homer and Leona Coulthard in 1922.

His family left Nebraska dur-ing the depression and ended up in Clark Fork, Idaho. They settled in Hope, Idaho, when he was 12.

He worked at the shipyard in Portland, Ore., before joining the U.S. Marine Corp. He served in the Pacific during World War II.

He and Betty McChesnie were married Dec. 27, 1948, in Coeur d’Alene and later moved to Lewiston.

He worked a variety of jobs includ-

y ing sawmill work, construc-tion on the Hanford Project in Richland, and the Credit Bureaus of Grangeville, Orofino and Lewiston.

In 1962, he and his wife opened Western Adjustment Bureau in Lewiston. They operated it for 26 years and retired in 1988.

He enjoys outdoor activi-ties; fishing, hunting, camp-ing and boating, etc.

He remains a faithful member of his church, and enjoys the visits and spiri-tual encouragement from all who come to see him.

He and his wife have three children, seven grandchildren and eight great-grandchildren.

He currently resides at the Idaho State Veterans Home.


NOV. 23

NOV. 27

NOV. 30

POETRY Golden Times prints original short poetry from seniors on a space-available basis. Submissions must include the name, age, address and phone number to be consid-

ered for publication (address and phone number will not be published). Send poetry submissions to: Golden Times, P.O. Box 957, Lewiston, ID 83501;

Deadline for poetry to be included in December’s ed ition is Nov. 16

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The Ride of LifeSome say the ride of life is easy.

I say it is not easy.Come easy, go easy, my mommy would say.

I say ride life like crazy, hang on for dear life.Don’t ever let go.

No! No! No!When you feel life is unfair, look beyond yourself.

Somewhere over there you will see someone is having a hard life, but they still ride on.

The treads may be getting thinbut hang on, you will win.

Don’t let go.No! No! No!

Stay in the groove always on the move, life may throw a curve, don’t forget to swerve.

You ride the road now ’til the wheels fall off.Don’t let go.No! No! No!

Ride baby ride!

Yvonne Carrie, 68, Lewiston

Autumn’s Visual BuffetFall has come, as that thief in the night.

Less hardy birds flock, soon to seek warmerclimates, like the passenger pigeons

of bygone times.Virginia creeper drapes the backyard fence, a

crimson lace curtain, hung there to dry.Elk horn sumac boasts earth tones,

yellow ochre and darker burnt umber.Golden leaves carpet the ground,

dollars paving the yard.Tiny magenta leaves on the burning bush peek

from the safety of ones still green.Wild cherry trees soon will turn

the hillsides red with a flaming fire, adding yet another pigment to

the creator’s palette.This evening the deer, sans tutu,

perform a ballet ’neath the apple tree, toe-dancing to the music of breezes

playing in the pines.Soon the fields will sleep,

blanketed by snow.

Flora Teachman, 83, Kamiah

My Humble ThanksHow can I thank you for all you’ve done?

You gave me the earth, a moon and a sun.You’ve sprinkled stars in a sky of blue.

And gave me life — a part of you!You scatter seeds and help them grow.

And frost the mountains with pure, white snow.You send the rains and stock the sea.

Yet still have time to care for me!You teach the birds their lovely songs.

You heal the sick, yet forgive my wrongs.You give to each, their daily bread.

But still hear my prayers as I go to bed!Dear Lord above, I’ll strive each day, to better myself in some small way.

And to show my thanks for this bountiful land.I’ll give my neighbor a helping hand!

And so that you’ll know my thanks is sincere, I’ll try much harder, year after year.

To show I am grateful, in the way that I live.By not always asking, but being ready to give!

Ann McCoy, 83, Pullman

Just One More StoryThe stories we heard when we were young

stay with us for a lifetime.And oh the memories

of the countless nursery rhymes...Our mothers would read and we would listen.

We had so much fun as little children...Our days were so carefree,

nothing in the world could go wrong.Our imaginations took us to far away places, we were content with life all the day long...

I, for one, remember my son saying to his grandmama,

“Just one more story.”This was a favorite time for both of them...

Through the eyes of a child, we, too, can see.

Rebecca Whited. 66, Clarkston

ThanksgivingThe time is here,

that time of year when we give thanksfor blessings God bestows.

For family and friends, sunsets and rain, for each morning to sun rises again.

The bounty of growing things, orchards and fields the harvest they yield.

It’s a blessing all around.Look about with joy and praises,

fall colors of orange, brown and red.The call of wild geese overhead.

The gathering of family on that special day around laden tables, the breaking of bread.

Give thanks to our creator, our father above,

be thankful most for his endless love.

Eva L. Herring, 82, Lewiston


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By MARY TATKOOF TARGET PUBLICATIONS

The first time Sam Riggs was old enough to vote in a presidential election, he cast his ballot for FDR. It was 1932, and Riggs was 22 years old.

Now 102, Riggs lives at Royal Plaza Care Center in Lewiston where he filled out a ballot, with help from his son Dick, in advance of tomorrow’s election.

In the 80 years since he first voted, Dick said, his father has participated in every presiden-tial election, and continuing

to exercise that basic right is a priority for him.

For voters in general, ac-cording to numbers from Nez Perce County Clerk Patty Weeks, voting seems to become more important with age.

In a breakdown of the per-centage of Nez Perce County residents who voted in the 2010 general election, only 5 percent of 18- to 29-year-olds voted, but 40.37 percent of those 65 and older filled out a ballot. The numbers creep up from one age category to the next: with 20.85 percent of

those ages 30 to 49 voting and 33.78 of those 50 to 64.

“In the past what we’ve seen is once people start turning into their mid-50s, they are more apt to vote,” Weeks said.

The day he filled out an absentee ballot at Royal Plaza, Riggs was joined by many fellow residents of the facility’s care center and adja-cent assisted living retirement center, where county election workers provided ballots and assistance to those waiting to vote.

“When the residents move into Royal (Plaza Retirement Center), I register them,” ac-tivities director Mark Newman said. “Because every time you change (your) address, you

have to re-register.”Newman said

he keeps up on the rules regarding absentee ballots so the paperwork is handled correctly for the residents each election.

“These two from the courthouse are wonderful,” he said, gesturing toward two women patrol-ling the tables where ballots were being filled out. “They have been with the courthouse for

years. They give nonbiased help. If someone can’t read, they read every single thing for them. They are absolutely wonderful. I do not know what we would do without them. Our residents have grown to really trust them.”

Election workers take absen-

tee ballots not just to retire-ment homes and care centers, but to the homes of those who are unable to travel to the polls.

“They do have to have train-ing and the ladies who are do-ing this have been doing it for many years,” Weeks said. “They are experienced.”

The election workers’ exper-tise makes all the difference for the residents he works with, Newman said. “About half of our people here need help one way or another,” he explained. “Either reading it, or knowing where to sign or having things explained to them.”

Patricia Lundgren and Dar-lene Eggers facilitated voting at Royal Plaza this year. They said they spend about two weeks leading up to an election helping with absentee voting, then work at the polls on Elec-tion Day. The two women have more than 50 years combined

Eighty years of voting equals 20 presidential elections and 13 presidents — or in the case of Sam Riggs, one man’s voting history

Exercising the privilege of casting a ballot

Sam Riggs,

a resident

Royal Plaza

Care Center

in Lewiston,

casts his vote

with the help

of his son

Dick Riggs.

At 102, Sam

Riggs has vot-

ed in every

presidential

election since

1932.

Tribune/Kyle Mills

Patty Weeks, Nez Perce

County clerk

experience helping with elec-tions.

“We enjoy it,” Eggers said. “You meet a lot of neat people.”

Election workers technically are not volunteers, though their compensation comes more from the rewarding feel-ing of performing a community service than any monetary gain.

“We pay them a piddly amount for what they’re do-ing,” Weeks said.

Newman, who has worked at Royal Plaza since 1996, said there was a time when resi-dents were bused to the polls, but having the opportunity to fill out a ballot without leaving the building makes voting ac-cessible for more residents.

“Especially for assisted liv-ings, but even nursing homes, people are coming in older and in worse health,” he said. “So it’s almost impossible (to travel to the polls).”

On the care center side of Royal Plaza, the residents who are able to vote sometimes need even more assistance, ac-tivities director Erika Mee said, so she does her best to make sure they are able.

“I think I’ve got over 20 here

voting today out of 50-some residents,” Mee said. “That’s a lot.”

As Newman does, Mee makes sure a change of address or other information doesn’t keep the residents from voting.

“Their needs are a little bit more over here, so I do a lot of rechecking,” Mee said. “Ev-erything has to be so perfect on the voter registration, so I double check on the addresses, on the last four Social Secu-rity numbers, whether their signature’s right. I go through and do kind of like a Nancy Drew. I do a little detective work to make sure everything is in place.”

Sam Riggs said he hasn’t followed the campaigns as closely this year as in many past elections, but he’s seen

enough to know the rhetoric has been intense on both sides. The negative nature of politics today makes him nostalgic for the campaigns of years ago.

“People didn’t ruin the thing by using bad language and accusing people of things they didn’t do. I don’t believe in that kind of stuff,” he said. “There have been quite a lot of things said that aren’t true.”

Asked if he had a preference in the presidential race, he smiled.

“Sure, I’m a Democrat,” he said. “But really I haven’t been paying that much attention this year.”

Later, when it was his turn to vote, Riggs sat with his son, who read the ballot to him and helped him fill it out.

“People can ask for assis-

tance from anyone they want

— a family member, a poll

worker. It’s whatever (their)

personal preference is,” Weeks

said. “We try to help accom-

modate people to vote.”

Tatko can be reached at

[email protected] or

(208) 848-2244.

y


Tribune/Kyle Mills

Sam Riggs

Tribune/Kyle Mills

A resident at Royal Plaza casts her vote.

Election workers

Patricia Lundgren and

Darlene Eggers help

residents at Royal

Plaza with their

ballots as they vote in

the 2012 election.

Tribune/Kyle Mills

“We pay them a piddly amount for what they’re doing”

— Patty Weeks, Nez Perce County clerk


The WA-ID Volunteer Cen-ter in the Lewiston Community Center at 1424 Main St. pro-vides individualized volunteer opportunities for those wishing to serve in Lewiston, Clarkston, Asotin, Pomeroy, Moscow and the Oro no area.

The center can also be found online at www.waidvolunteercenter.org.

The following are a few of the volunteer opportunities avail-able in November. Anyone inter-ested in volunteering for any of these or other opportunities can contact Cathy Robinson at (208) 746-7787 or toll free at (888) 546-7787. The National Guard is look-ing for a volunteer leader to help build the youth program.

Individuals must have event-planning ability and organiza-tional skills. America Reads is in need of volunteers to help students improve reading skills. Indi-viduals interested in this op-portunity will need to be able to commit to at least one hour per week for the remainder of the school year. No teaching experience is necessary. Project Warm-up is in need of a volunteer leader who can take over the day-to-day man-agement of the program. Quali- cations include the ability to lift 25 pounds, be good with

people and be organized. The American Red Cross is in need of a volunteer to instruct Reconnection Work-shops, a program for veterans and their families. The pro-gram’s goal is to support and ease the transition home with a focus on individual and small-group discussion among family members and into civilian life. Training is provided for this opportunity. Meal delivery drivers are needed for Lewiston’s Senior Nutrition program. Individuals interested in this volunteer op-portunity must be able to drive

their own vehicle, and have insurance and a valid drivers license and commit to one day per week. New volunteers are

partnered with existing volun-teers to learn routes.

•••Interlink Volunteers — Faith

in Action is located at 817A Sixth St. in Clarkston.

They connect volunteers with seniors and others in need of as-sistance. Interlink can be found online at www.interlinkvolunteers.org. they can be contacted at (509) 751-9143 or via email at [email protected]. Currently there is a need for

handyman-type help to build handrails, do some light plumb-ing, roof repairs, build wheel-chair ramps and do other small home repairs. Those interested in these opportunities will need to bring their own tools. Painters are also needed to help paint two houses. Paint is provided, but volunteers will need to bring their own brush-es, paint-rollers and rags. Rakers are needed to help rake yards. Leaf bags are pro-vided but volunteers will need to bring their own rakes. Drivers are needed to provid-ed transportation for residents to appointments and returned home. Volunteers will need to provide own vehicles and will get mileage reimbursed.

Volunteer opportunities

Golden Times

Deadline for ALL December submissions is 5 p.m. Fri-day, Nov. 16, due to the Thanksgiving holiday

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M O N D A Y, N O V E M B E R 5 , 2 0 1 2 G O L D E N T I M E S 19

By KEN HERMANOf the Austin AmericAn-

stAtesmAn

AUSTIN, Texas — Slowly and carefully, the way folks like this do lots of things, the senior citizens who gather weekly to enjoy free coffee and pastry illed the tables near the front of the H-E-B super-market in Austin’s Hancock Center.

David Lewter, 89, is among the Thursday regulars at the event, usu-ally arriving not long after it begins at 6 a.m. “We just meet. It’s just a social thing. It’s really nothing,” said Lewter, who’s retired from the oil business.

“How old are you now, Bill? 92?” he says to tablemate Bill Hunt.

Hunt who retired from the gro-cery business turned 92 in October. Like many of the folks, Hunt’s been a Thursday morning regular for lon-ger than he can remember.

“Just the friendship,” he said of why he comes.

As Hunt and Lewter chatted, H-E-B employee Fred Cortinez dutifully made sure the coffee was ready, the paper plates arranged, and the pastries sliced and served. On other days, Cortinez, working eight-hour shifts, bags groceries and

helps customers any way he can.But on Thursdays, he’s in charge

of the senior citizens gathering. For Cortinez, whose title is “customer service representative,” it’s nice to see the younger folks out and about. He says he just turned 96. His daugh-ter says he just turned 95. Exactly how old he is seems to be a bit of an opinion question (somehow there are two birth certiicates involved), but any way you count it he’s more senior than the senior citizens he helps on Thursday mornings.

Gertrude Hodde, “88 and a half,” is impressed with the way Cortinez “can cut cake and do what he does and really get around.” “I really ad-mire him for doing it,” she said as Cortinez passed en route back to the pastry table.

I arrived at the store shortly after 6 a.m. and found Cortinez nimbly unfolding one of the three tables on which the free goodies would be spread out. Cortinez had no time to chat with me just then. He was a picture of perpetual, purposeful mo-tion as he went around the store to gather what was needed.

“I usually get a full house,” he told me of the gathering. And on

Passion for work motivates this senior to keep serving

4 See WORKING, page 30

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Sharon HarrisSharon Harris, 67, of Kendrick, is the November Se-

nior Volunteer of the Month for the WA-ID Volunteer Center.

Volunteer work: Harris “wears many hats,” as she puts it, in the Kendrick area. She is currently spending a great deal of time spearheading the renovation of the Fraternal Temple building in downtown Kendrick. She also volunteers for the J-K Heritage Foundation and is on the Latah County Historic Preservation Commis-sion. She writes books on the history of the area and its residents for the heritage foundation. Harris also plays piano for her church and for the senior citizens in the area. She is the president of the Garden Club, is a mem-ber of the Lions Club and the board at Gritman Medical

Center in Moscow. As if that isn’t enough, she has traveled to Washington, D.C., to lobby for the U.S. Postal Service for the last decade.

Career: Her fi rst career was as a public accoun-tant for many years as well as being a part-time rural mail carrier. h en she began a career as the post-master at the Kendrick post offi ce, which she did for 13 years before retiring after having worked for the post offi ce for 33

years. All the while, she helped her hus-band on the farm when she could.

Family: She and her husband, Doug Harris, have been mar-ried nearly 50 years. h e couple have three sons and three grandchildren.

Hobbies: Harris enjoys writing and re-searching history.

Harris told the Tribune: “I remem-ber my mother and a lady named Mabel Glenn, they were so giving, they gave to ev-erything in the community. In fact, I was sit-ting at the game the other night watching my granddaughter play volleyball and I thought, ‘amazing those curtains are still hanging there.’ Huge ceiling to fl oor, orange velvet curtains. When the school was new in 1962,

my mother and Mabel sewed those curtains, day after day after day. And you know I kind of came from people who always gave to community and to causes.”

When asked her favorite part of volunteering, Har-ris replied: “I don’t know, I just like it. I think it’s giving something back; I mean, you know, this community has given a lot to me.”

Sharon Harris

Senior

Volunteerof the

Month

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Shingles is a painful skin rash caused by the same virus as chick-enpox, but the rash looks different.

About one in three people will have an outbreak of shingles during their lifetime. Greater than 50 per-cent of episodes happen in people older than 60 years.

The more formal name for shingles is Herpes Zoster, which is not related to genital herpes.

When someone has chickenpox, the virus never totally goes away — it goes into a dormant state. At that point the virus causes no symptoms. Then, for reasons that are not always clear, the virus can reactivate in the form of shingles.

When a shingles outbreak is starting, there can be pain, tingling or itching sensations that precede the rash. Then, in one to ve days, blisters form with redness underlying the rash. The rash is typically on one side of the body and in a

limited area. The rash lasts two to four weeks, but is scabbed over in seven to 14 days.

Other symptoms can accompany the rash such as fever, chills, upset stomach or headaches. Much less commonly, shingles can be complicated by pneumonia, blindness, hear-ing problems or rarely death. About 20 percent of people who have an outbreak will have pain, which can be severe and outlasts the skin rash. This is called post-herpetic neu-ralgia.

Shingles is not considered contagious in the typical sense, but the uid in the blisters contains virus. This means blister uid could cause chick-enpox (not shingles) if a person who has never had chickenpox comes in contact with the uid. Once the rash has crusted over, there is no longer any risk to others.

Treatment involves pain control with oral medication. If this is not sufcient, a pain clinic can do special injections for pain control. Sometimes keeping the rash covered, using wet compresses and using an oatmeal bath can be helpful. If you see your doctor early, an antiviral medicine may be given. This medicine may shorten how long the rash lasts and the severity of the pain. There are other medications available for post-herpetic neuralgia.

There is now a vaccine to help prevent shin-gles that is recommended to people age 60 and older. As with any vaccine, it isn’t perfect. The vaccine typically reduces your risk of shingles

by 50 percent and the risk of post-herpetic neuralgia by 79 percent. Even people who have previously had shingles should consider vaccination.

Some people should not get shingles vac-cine, such as those with weakened immune systems, (think cancer, chemotherapy, use of some medications, HIV) so be sure to discuss whether you are a candidate for shingles vac-cine with your doctor.

Hedrick practices at Valley Medical Center, 2315 Eighth St., Lewiston; (208) 746-1383.y

Shingles is most common in the elderly

COMMENTARY

Dr. Frances Hedrick

House Call

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Pet Memorials

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Ray Rosch, Ex. Dir. ~:39C 8vh Svrggv, Enarmsvop, YC ¢ 509-751-9143

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Saturday, December 8 - 7 PM Clarkston H.S Auditorium, Clarkston, WA

Music offerings by: Clarkston H.S. Choir.; Jon Van Vogt, pianist; Hard Travelin' Trio; Daniella Clark, concert harpist,

and Wanigan, bluegrass band.

Tickets are $15 each and go on sale November 7 at Rosauers and His Story Christian Gift Store in Lewiston

and Wasem's Drug and Schurman's Hardware in Clarkston.

We'll see you at the Senior Fair 2012 November 9. Concert tickets will be available at this event.

The Ul t imat e Ch r ist mas Concer t


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With the cold air nipping at my bones, I wondered where I could go to feel warm.

If I were a cartoon character a light bulb would have been drawn above my head: The Seaport Quilters’ Guild was meeting and where else in the Lewiston-Clarkston Valley could I nd such warmth? Not only were there quilts, but the ladies were kind, welcoming and cheerful, all the things that make you feel warm and fuzzy.

Here’s where I have to tell you, I am on a lucky streak with my columns. I don’t forewarn most that I am coming, yet somehow I always seem to show up when something spe-cial is happening.

On this particular night the group was having what it calls its “birthday meeting.” That means cake, yes cake, and not just any cake — my favorite, carrot cake. The un-fortunate part was that I had eaten a candy bar earlier that day, so I could not partake in cake. If I were a car-toon character here is where the “wah, wah, wah” sound effect would play.

I met many talented and busy women at the guild meeting, several of whom are far too young to be in Golden Times.

Quilting may seem like some-thing only grandmas do, but in fact, it is passed on from grand-mas to their granddaughters, as is the case with the group’s

president. Pat Martin has passed the love of quilting on to three of her granddaugh-ters and even had the youngest one there at the meeting with her.

The guild is rich in history. It began in 1982, and while it has morphed and grown through the years, the history remains. At least ve of the found-ing members are still participating.

Danna Bolich and Betty Knopes are two such members. They were at the rst meeting and remain

active, all these years later, in the group. which has grown to well over 100 members. At this particular meeting there were more than 60 women present.

These women are amazing

and make me feel a bit lazy. They have careers, families, and who knows what else going on and still nd time to participate in a group like this, as well as make quilts and quilt-type items.

They make them not just for their family and friends, but for veterans and auctions to help other groups raise money, as well as for one another.

Most of us have heard of the “Quilts of Valor” and know what they mean to veterans. It is an amazing thing that these women do, giving not just their time and talent, but the cost that is associated with buying the materials. But these women know there is no price tag for

Warming up on a chilly fall nighta l k

COMMENTARY

Peggy J.

Hayden

See SENIOR TALK, page 27

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One of my biggest concerns as a consumer columnist is the vulner-ability of senior citizens, because

scam artists always seem to target them to make a quick buck.

Add to that the vulnerability of any consumer to scam artists, who are always nding new twists to confuse or try to gain nancial in-formation.

I often say I could write about this weekly and still there would be people who fall victim to the traps. So the best I can do is educate read-ers and hope we help each other by watching out for our parents, neigh-bors and friends.

So in that vein, I want to again remind people: Don’t fall for callers who try to trick you into thinking they are with a certain bank or com-pany or government program and all they need is your Social Security number or your bank account rout-ing number or credit-card number to verify you or process your pay-ment. Why would any company or organization that already has a rela-tionship with you need to verify that information if they already have it?

Because people are in a height-ened state of watching out for po-tential scams, there’s a new move by the Social Security Administration and the U.S. Treasury Department that is not a scam that prompted a call from a reader recently who was concerned about a letter he received explaining the program.

So let’s discuss the move early

next year away from paper checks for Social Security payments to electronic direct deposits into bank accounts or issuance of a Direct Ex-press debit card.

Let’s rst tackle the scams: John P. Chames, a nancial services pro-fessional with Western and South-ern Financial Group, phoned me last week to say he was concerned about hearing from three clients in one afternoon about telephone calls they had received.

One client said she was told she had won a contest and the caller needed her nancial information. In the other calls, the clients were told the caller needed Social Secu-rity number and checking account information to enroll them in a new Medicare or Medicaid program.

“A lot of my account base is seniors,” Chames said. “I am con-stantly battling with pieces of mail and phone calls they get. A lot of them are pretty scary, and a lot of (the seniors) are naive.”

Robert Fenn, a public affairs spe-cialist in Akron, Ohio, for the Social Security Administration, reiterated

that Social Security will not call for such personal information as your Social Security number or bank ac-counts. If someone contacts you and asks for this information, Fenn said, do not give it. If you are in doubt, you can contact your local Social Security ofce.

Social Security has become aware of scams targeting benecia-ries, Fenn said in a recent interview. Scammers telephone beneciaries to tell them they are due additional payments or have lottery winnings. The scammer offers to deposit the money in each beneciary’s ac-count once the personal and bank account information is provided. Once the beneciaries provide the information, they become victims of the scam, Fenn said.

He also said another way to pro-tect yourself is to keep your Social Security card and other important documents locked in a safe place. Do not carry them with you. Simi-larly, Medicare cards, which have

Getting educated on Social Security payment change

See PAYMENTS, page 27

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By JENNIFER BJORHUSMINNEAPOLIS STAR TRIBUNE

MINNEAPOLIS — John Fol-som holds a solid job in medical de-vice sales and has put two children through college. He has lived his life, as he sees it, “trying to play by the rules.”

He and his wife invested for re-tirement by socking money into safe mutual funds to build a nest egg that could support their dream of one day having a house on a lake. But at 53, Folsom looks at his retirement portfolio and sees that “the rules” aren’t working.

The market crash and housing collapse hammered his net worth. Now the Apple Valley, Minn., resi-dent’s life savings are earning about half what he had expected, dragged down by record-low interest rates.

“All of our calculations have been thrown asunder, and everyone has to rethink the whole deal,” said Folsom, who is planning to push back his retirement ve years, pos-sibly until he’s 67.

The Federal Reserve’s near zero

interest-rate policy, aimed at stimu-lating the economy, has created bargains for borrowers re nancing a mortgage or buying a car. But the low rates are penalizing “sav-ers” such as seniors and others on xed incomes, forcing millions of middle-class Americans to recon-sider how they will live when they retire, if they can retire at all.

“We’re not really seeing the posi-tive bene t of low rates, but we’re seeing a huge negative hit,” said Tim Gillaspy, who recently retired as Minnesota’s demographer. “And that needs to be discussed as a na-tional policy issue.”

The low-interest rates are the lat-est nancial challenge for a wave of baby boomers on the cusp of retire-ment. Already, an estimated 44 per-cent of boomers between the ages of 48 and 64 will run short of money in retirement for their basic needs and uninsured health care costs, accord-ing to Employee Bene t Research Institute (EBRI), a nonpartisan re-search group in Washington.

As traditional pensions fade away, people approaching retirement typi-

cally shift their money into safer xed-income investments, such as bonds, to generate income to carry them through their golden years. That leaves them more vulnerable when interest rates are low.

Combined with a volatile stock market, the rock bottom rates make you feel like “there’s nowhere to go” with your savings, said Nancy Nonini, whose Apple Valley com-pany Retirement Education PLUS counsels companies on aging is-sues.

Meanwhile, there’s concern that declining interest returns will dimin-ish the purchasing power of savers, which would offset the boost from making borrowing cheaper.

“It’s going to have repercussions not for one or two years, but basi-cally for the rest of our lives,” Gil-laspy said.

The interest-rate squeeze isn’t the sort of “Dow Dives!” shock that happened in 2008. Gordon Foster, a 74-year-old retired CFO in Lakev-ille, Minn., mused that it’s more of a “slow erosion you don’t notice.”

Some, however, are noticing.

At 91, retired mechanic Glenn Summers does all his own yard work at his Bloomington, Minn., home. He has kept most of his money in safe havens such as money market accounts for income to supplement his Social Security and pension. The nest egg used to generate $10,000 to

$15,000 more than it does now.Like many seniors interviewed

for this story, Summers is loath to complain about the losses. He gets by, he said, “but I don’t have any

Low interest rates disrupt retirees’ plans for income

See INCOME, page 28

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