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Rev. Bruce Miller: Hearing the call Mary Horrocks: Back in the loop e s T Z 50+ Living As busy as ever Travel and service fill Beth and Art Kasal’s retirement time What did you say? Special Focus on Hearing Health • October 2010

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Page 1: zest Oct 2010

Rev. Bruce Miller: Hearing the call Mary Horrocks: Back in the loop

esTZ 50+ Living

As busyas ever

Travel andservice fillBeth and

Art Kasal’sretirement

time

What did you say? Special Focus on Hearing Health • October 2010

Page 2: zest Oct 2010

2 ZEST / October 2010

Your Hearingis important:See aLicensed Audiologist!

N02457 Z

Dr. Shirley Fors

1978 Hutchinson High School, highest honors1982 University of Minnesota, honors, Bachelor of Arts, Psychology1986 University of Minnesota, highest honors, Master of Arts, Audiology1986 Certified, American Speech, Language and Hearing Association2004 President, Minnesota Academy of Audiology2007 Salus University, highest honors, Doctor of Audiology

Hearing Help AudiologyCALL 587-3636 TODAY!125 South Main St., HutchinsonKamrath Chiropractic building

Communicating with your family and friends, socially or at work is one the most important things we do.When you need your hearing tested and are considering hearing aids, make sure you see a LicensedAudiologist. There are some dispensers who are allowed to sell hearing aids, but are not licensed audiologists. You deserve the best hearing possible.

Licensed Audiologists are:• required to have graduate Masters or Doctoral degrees in Audiology• the only providers qualified to diagnose hearing loss and dispense hearing aids• recognized by Medicare as the only provider qualified to test hearing for diagnostic purposes • recognized by the State of Minnesota as the only provider qualified to test children 18 years and under• recognized by the State of Minnesota as the only provider qualified to test hearing for Medical

Assistance patients

All insurance accepted, including VA

Page 3: zest Oct 2010

ZEST / October 2010 3

Contents

A month of kudos fromZest readers

I read a rather amusing quoterecently. The unnamed author ofsaid quote wrote “There are twotypes of mints you never turn downin life: breath mints and compli-ments. Either way, someone is try-ing to tell you something.”

Well, fortunately the latter hasbeen dished out to those of us work-ing on Zest during the past couplemonths. Some readers have beenkeen to share their thoughts andfeelings about the content on thesepages and we appreciate it, evenencourage it, in fact. One of theways a person or product grows isby listening when that someone

tries to tell you something. So beassured we at Zest hear your com-ments loud and clear.

Speaking of hearing, this Octoberissue places special emphasis on thetopic of hearing health. With person-al accounts from two hearing aidwearers and guides to some of thetypes of treatments and conditionsout there, this special focus is set upto be a handy resources.

The second feature story thismonth tells of Art and Beth Kasal’sactive retirement lifestyle. TheHutchinson couple has found enjoy-ment in traveling and volunteerwork since leaving behind careers at3M.

Also if you have not noticed ourrecipe contest, turn to page 14 tolearn how you could win a $25 prize

by submitting your favorite recipe. As always I welcome your feed-

back and ideas. If you have an ideafor a story or just general com-ments, then please send them to me.You can reach me viaemail [email protected] [email protected] or by send-ing a letter toHutchinson LeaderC/O Katie Winter, 36Washington Ave. W., Hutchinson,MN 55350, or LitchfieldIndependent Review C/O KatieWinter, 217 North Sibley, Litchfield,MN 55355.

Until next time, happy reading. Katie Winter

5 Books: The wisdom of Coach Wooden

6–13 SPECIAL SECTION: Hearing Health

7 FEATURE STORY: Hearing the call

10 FEATURE STORY: Back in the loop

14 Comfort Foods: End of summer favorites

16 FEATURE STORY: As busy as ever

20 Medicare Answers: Respite care, screenings covered

22 News: Area Agencies on Aging full of resources

24 Wellness: Ways to reduce cancer risk

29 Money: Tips for banking online

30 Travel: Celebrate the majesty of autumn

October 2010Vol. 1 No. 8

zestforlife.mnesTZ

7

16

10

Page 4: zest Oct 2010

4 ZEST / October 2010

Opinion

PUBLISHED BY

Litchfield Independent ReviewPO Box 921

Litchfield, MN 55355(320) 693-3266

Hutchinson Leader36 Washington Ave. W.Hutchinson, MN 55350

(320) 587-5000

NEWS

ADVERTISING

Crow River Press170 Shady Ridge Road NW

Hutchinson, MN 55350(320) 587-2062

Katie Winter, [email protected] or [email protected](320) 693-3266 or (320) 234-4172

N020

43 Z

esTZ

Shari Forsman, advertising [email protected]

(320) 234-4171

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AARP Executive Vice President Nancy LeaMondissued the following statement regarding AARP’sendorsement of the Home Health Care Planning

Improvement Act of 2010, H.R. 4993 and S. 2814. The bills, sponsored by Rep. Allyson Schwartz (D- Pa.)

and Sen. Susan Collins (R-Maine) will improve homehealth care access for people in Medicare by authorizingmore providers to order these services:

“AARP is committed to ensuring that consumers haveaccess to health care providers who are qualified, educat-ed, and certified to provide high quality primary care,chronic care management, and other services that keepthem live a high quality life, with dignity, in locations oftheir choice.

“For the vast majority of older Americans, that locationis home. A recent AARP study found that nine in 10Americans want to stay in their current residence for aslong as possible. However, current law does not allownurse practitioners, clinical nurse specialists, certifiednurse-midwives and physician assistants to order homehealth care services for the patients they serve. Thismeans that homebound patients are unable to receiveneeded home care services until the orders are signed by aphysician and faxed to the Medicare Certified Home

Health Agency, and can result in patients being hospital-ized while home care is delayed. Timely home health serv-ices can help keep people in their homes and out of morecostly care settings.

“The Home Health Care Planning Improvement Act of2010 addresses this by helping to ensure consumers havedirect access to home health referrals from their choice ofproviders. It authorizes nurse practitioners, physicianassistants and other providers to order home health careservices and reimburses them through Medicare.

“Decades of data demonstrate that nurse practitionersprovide high quality care to people of all ages, includingpeople in Medicare. The majority of nurse practitionerspractice in primary care and twenty percent practice inrural areas. These advanced practice registered nursesoften are the only care providers available in areas withhealth professional shortages.

“AARP endorses the Home Health Care PlanningImprovement Act of 2010 because it will improve homehealth care access for people in Medicare, allowing themto stay in their homes for as long as possible. We will con-tinue to work with Congress to pass this important legis-lation.”

AARP: Support home health bills

Page 5: zest Oct 2010

ZEST / October 2010 5

Books

Encore Entrepreneurship is a program of the Southwest Initiative Foundation’s Paul and Alma Schwann Aging Trust Fund.

You grew up believing that hard work, dedication and a little creativity could help build a good life for you andyour family. Throughout your lifetime, you’ve gained invaluable knowledge, skills and experiences.

Now, you may be looking for options outside of traditional retirement, supplemental income and a way tofulfill what you’re truly passionate about. If you’ve ever dreamed of starting a business, now is the time to do it.

800-594-9480 or [email protected]

www.swifoundation.org/encore

Contact us to discuss your business ideas and options.

N024

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(NAPS) — The late John Wooden has been calledAmerica’s greatest coach and he has inspired generationsboth on and off the basketball court, providing valuablelessons on coaching and mentoring.

The coach of 10 NCAA basketball championships in 12years with the UCLA Bruins, Wooden was named Coachof the Century by ESPN. His achievements off the courtwere equally impressive, including being awarded thePresidential Medal of Freedom, America’s highest civilianhonor.

Now, a lifetime of Coach Wooden’s ideas on how to livelife without sacrificing your moral principles can be readin his final book, “The Wisdom of Wooden: My Century Onand Off the Court.”

About the book, Coach Wooden’s longtime collaboratorand friend Steve Jamison said: “He opened up his heartand shared his soul to insure that his last book would bevery useful to those who share his belief that success andgood values go hand in hand.”

“The Wisdom of Wooden” captures a life spent teaching,guiding and serving others. It’s filled with personal memo-ries, warm advice and beautiful color photographs fromWooden’s private collection.

For more information, visit www.coachwooden.com.

The wisdom of Coach Wooden

Coach Wooden’s legacy of leadership, life lessons andbooks can inspire new generations.

Page 6: zest Oct 2010

By Katie Winter

It’s frustrating to be unable to hearwell enough to enjoy talking withfriends or family. Sadly, millions in

the aging wave of baby boomers areincreasingly discovering they have ahearing loss and are grappling withthe associated communication diffi-culties.

According to the National Instituteon Deafness and CommunicationDisorders, 18 percent of Americanadults 45 through 64 years old report-ed having a hearing loss.

Another study by The EarFoundation showed half of the nearly76 million people between ages 45and 59 report some level of hearingloss, That is roughly 38 million peo-ple.

So what is causing this rise in hear-ing impairment? According to theNIDCD, some possibilities are:

• Heredity• Diseases such as ear infections

and meningitis• Trauma• Long-term exposure to loud

noise• Aging

Hearing loss is grouped into twomain types. One type results whenthe inner ear or auditory nerve isdamaged. This type is permanent.The other kind happens when soundwaves cannot reach the inner earbecause of earwax build-up, fluid or apunctured eardrum.

Thankfully all is not lost for thosewho suffer hearing loss. Today’s med-ical advances are opening up doorsand restoring hearing clarity andcomprehension for many people.Hearing aid technology has grown byleaps and bounds and many styles nolonger bear any resemblances inappearance or performance to thoseworn by previous generation.

On the following pages, read thestories of a pastor and a teacher whohave enjoyed a renewed enthusiasm

for their jobs and lives thanks tohearing aids. Their experiences chal-lenge the belief that hearing loss andtreatment is a sentence to old age.Also provided is more information onhearing aid styles, ways to identifyhearing loss and details on a commonhearing condition called tinnitus.

Many associations and organiza-tions are working to educate peopleon ways to treat and prevent hearingimpairment. Explore these websitesto learn more:

• The American Speech-Language-Hearing Association – www.asha.org

• The Better Hearing Institute –www.betterhearing.org

• The National Institute onDeafness and Other CommunicationDisorders – www.nidcd.nih.gov

• The Mayo Clinic – www.mayoclinic.com/health/hear-

ing-loss/DS00172

6 ZEST / October 2010

HEARING HEALTH FOCUS

Have you heard? Waysto hold on to hearing

Page 7: zest Oct 2010

ZEST / October 2010 7

HEARING HEALTH FOCUS

STAFF PHOTO BY KATIE WINTER

Rev. Bruce Miller is the assistant pastor at First Baptist Church in Cokato. It’s a position that has beenenhanced by a new pair of barely visible hearing aids.

Hearing the callRev. Bruce Miller thrives in a new career

with a renewed sense of soundBy Katie Winter

To say Rev. BruceMiller has lived aquiet life would be

like saying the moon ismade of cottage cheese.

After all he raised fourchildren with his wife, Lori,owned his own contractingbusiness and went back toschool at age 45 to becomea minister. He laughs read-ily and heartily, and has a

knack for putting people atease.

But as the years pro-gressed, the world he washearing gradually becamequieter and quieter. A sig-nificant loss of hearing inboth ears was putting hisactive lifestyle in jeopardy.

Miller, the assistant pas-tor at First Baptist Churchin Cokato, first learned ofthe severity of his hearingloss in 2000. An audiologist

told him he had lost thecapacity to hear in the2,000 – 4,000 megahertzrange, excluding him frompicking up high-pitchsounds. Miller is essentiallydeaf to words beginningwith an S sound. The doc-tor also told him he shouldprotect his hearing.

“The audiologist saidtreat your ears like gold,”Miller said. “He said any-thing louder than a vacu-

um cleaner protect yourears. Did I do that? No. Idid get a pair of muffs foron the job, but they stayedin the back of the trailer.”

During the past year,Miller gave in and pur-chased a pair of hearingaids. It was a long timecoming and very nearly toolate.

For almost 25 years,Miller worked in the con-struction industry, building

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HEARING HEALTH FOCUS

and remodeling homes andoffices. The persistentsounds of machineryengines and power toolswere standard on the job,but exposure to all theracket without hearing pro-tection resulted in conse-quences Miller said did notoccur to him.

“Of course, I was youngand foolish and didn’t needto protect my hearing,”Miller said. “There were alot of loud noises all daylong. It was pretty bad.”

A change of career soonhighlighted the toll the jobexacted from his quality oflife. When Miller answeredthe call to join the ministry,his pastoral duties, such asgreeting parishioners,preaching and workingwith children, requiredeffective communication.

However, to Miller itseemed as though hisyoung pupils were speaking

both softly and rapidly,leaving him to ask “what?”more often than he liked.

“It was so frustratingworking with kids and notbeing able to hear them,”Miller said. “Then at socialfunctions, it was really bad.During the service I wasexpected to greet people. Isaid, ‘What is God doing? Ican’t hear and as a pastoryou’ve got to be able tohear people.’”

Still the same fears anddoubts that had kept himfrom purchasing hearingaids 10 years earlier, resur-faced.

“I went and checked outhearing aids,” Miller said. “I was very self-consciousbecause only old peoplehave hearing aids and I’mnot old. I felt really out ofplace and very uncomfort-able.”

But Miller stamped downhis trepidation and sched-

uled appointments with alicensed audiologist andhearing aid expert, who fit-ted Miller with a state ofthe art behind-the-earhearing aid. They camewith a $5,000 price tag thatMiller was fortunate tohave picked up by hisMinnesotaCare insuranceplan, one of the few insur-ers to offer hearing aid cov-erage.

At first or even secondglance, a person would behard pressed to notice thesmall devices looped overMiller’s ears. The clear andflesh colored pieces makethe hearing aids practicallyinvisible.

“That’s what I love aboutthem. No one knows I havehearing aids,” Miller said.“They have just become apart of my ears. I don’t feelthem. I don’t think aboutthem.”

And what about those

worries of appearing likean “old man?” Well theimprovement in his hearingand quality of life calmedthose.

“I’ve enjoyed them,”Miller said. “Just beingable to hear a full conversa-tion with somebody and notleaning forward and strain-ing.”

The stigma attached tohearing aid wearing issomething people shouldnot let stop them fromenjoying the chorus ofsounds the world has tooffer, Miller said.

“It’s not a bad thing tohave hearing aids,” he said.“It’s just (asking) do youwant to hear people or not?Or if you knew you couldhear again would you go forit?”

An array of hearing aid typesThe most common stylesof hearing aids are:• Receiver-in-the-Ear –rests above or behind theear, nearly invisible.• Behind-the-Ear – restsbehind the ear and isbarely visible.• Completely-in-the-Canal– resides deep inside thecanal barely visible or notvisible at all in the canal.• In-the-Canal – fits out-side the ear canal, slightlyvisible in the ear.• In-the-Ear – fills theentire bowl of the outerear, visible in the ear.

PHOTO COURTESY OF WIDEX

Page 9: zest Oct 2010

ZEST / October 2010 9

These Special Offers Are Only Available Through October 31, 2010

Hutchinson • 225 Main Street South • 320-587-2585

10/31/10. 10/31/10. 10/31/10.

10/31/10.10/31/10.

N02456 Z

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10 ZEST / October 2010

HEARING HEALTH FOCUS

Mary Horrocks, a teacher in the Hutchinson SchoolDistrict, has enthusiastically embraced her new hear-ing aids.

Back inthe loop

Conversations nowcome through loud and

clear for Mary Horrocks

By Katie Winter

Hearing aids have not helped Mary Horrocks singany better, but that is the only area of her life notimproved by the devices.

Horrocks, an English teacher at Hutchinson HighSchool, purchased her hearing aids this summer, just intime for the new school year. And it’s news she wouldgladly shout from the rooftops.

“Everyone thinks I’m nuts because I say ‘I’ve got hear-ing aids!’” Horrocks said. “They are just wonderful.They’re small, easy and very comfortable.”

She first noticed deterioration in her hearing two yearsago.

“I have hearing loss and it’s especially in the area ofconversations and consonants,” Horrocks said. “I was theonly one in a group that’s always saying, ‘could you repeatthat,’ or ‘I’m sorry I didn’t catch that.’”

Horrocks experienced some of the common symptoms

associated with hearing loss. She found herself needingothers to repeat themselves more often and missing ormisunderstanding parts of conversations. Not only didthis put stress on her relationships with family, studentsand co-workers, it also took a toll on her physically.

“It was the realization of how stressful it is and howtense you get,” Horrocks said. “When you’re in a groupespecially you’re always straining to hear. It really takes alot of energy out of you. My hearing loss was significantenough that is became depressing.”

Unlike other hard-of-hearing sufferers, Horrocks’ condi-tion was not caused by years of exposure to loud machin-ery or music. She suspects that heredity and family genet-ics are at the root of the problem.

“I think mine is probably genetic,” Horrocks said. “Mydad is hard of hearing. My brother’s hard of hearing. Myyounger sister told me she’s hard of hearing.”

Tired of missing out on some of life’s enjoyments,Horrocks purchased a pair of MicroTech hearing aids.Fitted with some of the latest hearing technology, the

STAFF PHOTO BY KATIE WINTER

Page 11: zest Oct 2010

ZEST / October 2010 11

HEARING HEALTH FOCUSDon't missanother word…

Call for a

FREEhearing

evaluation now.

Marty TjadenCertified

Hearing AidDispenser

Hutchinson Center for Hearing

A branch of Willmar Hearing Aid Center100 Washington Ave. E., Hutchinson

320-234-6825

Litchfield Center for Hearing

A branch of Willmar Hearing Aid Center32 2nd St. E., Litchfield

320-593-0885 or 1-877-346-5009

devices allow users toadjust settings for optimalsound in all environments,all while being discrete andnearly invisible when worn.

“I just love hearing,”Horrocks said. “It was star-tling because there wassuch clarity. There was allthis stuff I was missing. Inow hear warnings frommy car I didn’t before.When I take my dog out Ican hear my feet in thegrass. I’ve just been sohappy.”

Horrocks admitted toharboring concerns aboutthe price of hearing aidsbefore committing to them.The high price tag attachedto the devices is a commondeterrent for people, espe-cially because most insur-ance providers do not offercoverage. This leaves thoselike Horrocks to pick upthe several thousand-dollartab. For Horrocks, the bur-den was lighten slightly bycomparison shopping andnegotiating a fair and com-parable price with herprovider, steps she encour-ages others in the market

for hearing aids to take.She is also on a monthlypayment plan that makesthe expense manageable.

“It is very expensive,“Horrocks admits. “(But)you ask ‘How many yearsdo I have left?’ I don’t know,but if you amortize the costof these I can’t think ofanything better I couldhave done with my money.”

Horrocks’ journey has notonly expanded her worldagain, it has broadened hermind. She has learned agreat deal about the hear-ing aid industry and theworkings of the human ear.Her top tips for someoneseeking treatment for hear-ing loss is be well-informed,do not wait, and have sup-port.

“It was nice to have myhusband go with me toevaluate what was there,”Horrocks said. “It is alwaysa little frightening whenyou don’t know what’sgoing to happen. So I thinkthat it helps to have some-one with you to help evalu-ate and be supportive.”

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HEARING HEALTH FOCUS

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Hearing is something many peopletake for granted. Nearly anyone whohas ever been to a concert has consid-ered the possibility of hearing loss.Just as common as the considerationof hearing loss are the myths associ-ated with it. The Better HearingInstitute is a not-for-profit corpora-tion with a goal of educating the pub-lic about hearing loss.

Here are some common hearingloss myths:

• Minor surgery can fix myhearing. Though medical treatmentor surgery can benefit hearing loss,only 5-10 percent of adult cases ofhearing loss can benefit from surgeryor other treatment.

• I have on good ear and onebad ear. When one ear is bad, thenatural tendency is to begin favoringthe other ear when using the tele-phone or having face-to-face conversa-

tions. This creates the illusion thatthe so-called “better ear” is normalwhen it really isn’t. In fact, accordingto the BHI, most type of hearing lossaffects both ears equally and roughly90 percent of hearing loss patientsare in need of hearing aids for bothears.

• Hearing loss is for the elderly.Arguably the most common miscon-ception about hearing loss, this is alsoentirely untrue. In fact, only 35 per-cent of people with hearing loss areover the age of 64. Nearly 6 millionpeople in the United States alonebetween the ages of 18 and 44 havesome hearing loss, and more than onemillion are school age.

• My doctor would have toldme if I had hearing loss. Accordingto the BHI, only 14 percent of physi-cians routinely screen for hearing lossduring a physical. Due to the quiet

nature of a doctor's office, it's easy forthe physician to assume your hearingis fine because the environment isquiet and you likely are not exhibit-ing any symptoms of hearing loss.When visiting the doctor for your nextphysical, ask him to look for anysigns of hearing loss during the physi-cal.

• Hearing loss is normal for myage. Hearing loss isn’t normal foranyone, no matter what a friend, rela-tive or even physician might say.

• Hearing loss is untreatable.Hearing loss might have beenuntreatable years ago, but technologyhas changed that. Though surgerymight not be the answer, the BHInotes that 95 percent of people withsensorineural hearing loss can behelped with hearing aids.

To learn more about, visit,www.betterhearing.org.

Dispel the myths of hearing loss

Page 13: zest Oct 2010

ZEST / October 2010 13

HEARING HEALTH FOCUS

HUTCH HEARING AID320-587-7557

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What is tinnitus?Tinnitus is ringing in the

ears that does not go away.If the ringing lingers, youcould have one of the fol-lowing types of tinnitus.

• Pulsatile tinnitus.People with pulsatile tinni-tus tend to hear soundssuch as the contractions oftheir muscles or their ownpulse. Sound can keep timewith your heartbeat or mayeven keep pace with yourbreathing.

The cause of pulsatiletinnitus is typically soundscreated by muscle move-ments in the ear, blood flowproblems in the face orneck, or changes in the earcanal.

• Nonpulsatile tinnitus.Those who have sufferedfrom nonpulsatile tinnitushave described that prob-lem as coming from insidetheir head. Typically, non-pulsatile tinnitus is causedby problems in the nervesneeded to hear. Sounds canbe heard in one or bothears.

Both pulsatile and non-pulsatile tinnitus can comeand go. Just because symp-toms have disappeared,does not necessarily meanyou’re in the clear.

What causes tinnitus?The most common cause

is hearing loss that occurswith aging. Many types ofear disorders exist, and tin-nitus can occur with anyone of them. The followingcould also be causes or con-tributing factors of tinni-tus:

• A rapid change in envi-ronmental pressure

• Dental problems• Whiplash• Direct blows to the ear

or head• Neurological disorders,

including multiple sclero-sis or migraine headaches

• Wax buildup in theears

• Excessive consumptionof alcohol or caffeinatedbeverages

• Severe weight loss

Is there treatment?While there is no cure for

tinnitus, there are ways toreduce its symptoms. Thesesteps involve lifestylechanges, such as reducingalcohol and caffeine con-sumption, quitting smokingor using other smokelesstobacco products, and regu-lar exercise.

Another means to treat-ing tinnitus can be toinclude background noisewhen in a quiet place ortrying to sleep. Typically,those with tinnitus findquiet rooms too distracting,as the quiet only heightensthe ringing in their ears.

Can it be prevented?Some cases of tinnitus

are entirely preventable.Those who are around loudnoises should wear protec-tive earplugs wheneverpossible. Tissue or cottonballs are not effective.

Another way to possiblyprevent tinnitus is to prac-tice caution when usingheadphones. Volumeshould be kept at a levelwhere only the personwearing the headphonescan hear the music.

Living lifewith Tinnitus

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14 ZEST / October 2010

Comfort Foods

Quiche LorraineFrom Kay Yoch, Darwin

Ingredients:• Pastry for 9-inch one crust pie (unbaked)• 12 slices bacon, fried crisp and crumbled• 1 cup shredded Swiss cheese• 1/3 cup minced onion• 4 eggs• 2 cups whipping cream or light cream• 3/4 tsp. salt• 1/4 tsp. pepperInstructions:1. Heat oven to 425 degrees. Place pastry in pie pan. 2. Sprinkle bacon, cheese and onion in the pastry lined

pie plate.3. Beat eggs slightly. Add cream, salt and pepper and

beat together.4. Pour mixture over bacon, cheese and onion. 5. Bake 15 minutes. 6. Reduce oven temp to 300 degrees and bake 30 min-

utes or until knife inserted in middle comes out clean.

Spinach DipFrom Frances Schultze, Hutchinson

Ingredients:• 2 packages frozen chopped spinach• 2-8 oz. packages cream cheese• 2 cups mayonnaise or salad dressing• 1 box Knorr’s dry vegetable soup mix• 1 can chopped water chestnuts• 1/2 cup chopped onionInstructions:1. Thaw and drain spinach thoroughly. 2. Mix all ingredients together and enjoy!

End of Summer ChiliBy Healthy Exchanges

Ingredients:• 8 ounces extra-lean ground turkey or beef• 1/2 cup chopped green bell pepper• 1/2 cup chopped onion• 10 ounces (one 16-ounce can) red kidney beans, rinsed

and drained• 1 cup (one 8-ounce can) tomato sauce• 2 cups peeled and chopped fresh tomatoes• 2 cups water• 2 tablespoons chili seasoningInstructions:1. In a large saucepan sprayed with olive oil-flavored

cooking spray, brown meat, green pepper and onion. 2. Stir in kidney beans, tomato sauce, tomatoes and

water. Add chili seasoning. Mix well to combine.3. Bring mixture to a boil. Lower heat and simmer for

15 to 20 minutes, stirring occasionally.

Cream-Cheese Lime PieBy Good Housekeeping

Ingredients:• 2 packages (3-ounces each) cream cheese, softened• 1 1/2 cups milk• 1 package vanilla-flavor instant pudding and

pie filling for 4 servings• 1 can (6-ounce) frozen limeade concentrate, thawed• 1 container (8-ounce) frozen whipped topping, thawed• 1 (6-ounce) ready-to-use graham-cracker piecrustInstructions:1. In large bowl, with mixer at medium speed, beat

cream cheese until smooth. Gradually beat in 1/2 cupmilk.

2.Reduce speed to low; add pudding mix, undilutedlimeade concentrate and remaining 1 cup milk. Beat justuntil blended.

3. Fold in 2 cups whipped topping; spoon into piecrust.4. Refrigerate pie until firm enough to slice, at least 3

hours. To serve, spoon remaining whipped topping intodecorating bag with large star tube; use to pipe borderaround pie. Garnish with lime slices if you like.

End of summer favorites

Page 15: zest Oct 2010

“Making Life Pleasant for Residents”

Thoughts of fall leaf raking and visions of another icyMinnesota winter got you down? Put your worries aside

and cozy up around the fireplace with your new neighborsat Edgewood Gables, providing a lifestyle that offers:

• Special senior living amenities• Support and services respectful of your individuality• NEW! Fully Furnished short-term stay transitional apartment• Fall move-in promotions...ASK US!

www.cokato-senior-care.orgN02434 Z

For more informationcontact Eric Johnson at(320) 286-2159 or at

[email protected] East Third StreetCokato, MN 55321

ZEST / October 2010 15

Comfort Foods

N02451 Z

A car dealer for the times in Hutchinson

525 Hwy. 7 EastHutchinson

320-587-2240www.valleyhutchinson.com

Every Wednesday is Senior Citizen’s Day:

10% Off Parts Laborin our Service Department.

and

Service Manager Jeremy Crosby, Service Writer DeWayneIngebretson, Body Shop Manager Alan Olson

We’ll take the time to explain all services done on your vehicle—we’re happy to answer any questions.

Enjoy free coffee and cookies!

• Sales • Service • Body Shop • Parts

By Angela Shelf Medearis

Thanks to a recent scientific study,beans finally are getting the culinaryrespect they deserve. In addition totheir high protein and fiber content, anew study finds that beans, particu-larly black ones, are a rich but over-looked source of antioxidants andmay provide health benefits similarto some common fruits, includinggrapes, apples and cranberries.

In a study that appeared in TheJournal of Agricultural and FoodChemistry, researchers tested theantioxidant activity of flavonoids –plant pigments – found in the skin of12 common varieties of dry beans.Antioxidants destroy free radicals,which are highly active chemicalswhose excess has been linked to heartdisease, cancer and aging.

The finding adds antioxidants to a

growing list of healthy chemicalsfound in the popular legume, whichalso is rich in protein, carbohydrates,folate, calcium and fiber. Theresearchers hope to use informationgleaned from this study to help devel-op new varieties of beans that packeven more disease-fighting power.

Black beans came out on top, hav-ing more antioxidant activity, gramfor gram, than other beans, followedby red, brown, yellow and whitebeans, in that order. In general, dark-er color seed coats were associatedwith higher levels of flavonoids, andtherefore higher antioxidant activity,says lead investigator Clifford W.Beninger, Ph.D., a research associateat the University of Guelph inOntario, Canada.

Beninger acknowledges that someof the healthy antioxidants in beanswill be lost in water upon cooking,

but says that antioxidant levels willstill remain high. Although dry beanswere used in this study, frozen orcanned beans may have similarantioxidant activity, he adds.

Americans gobble up an estimatedeight pounds of beans per person eachyear, with pinto beans and navybeans being the most popular. Redbeans also enjoy immense popularity,particularly during colder months, asa staple of chili. Although not as pop-ular in the U.S. as other varieties,black beans are a main ingredient inmany international dishes.

Beans:A magical source of nutrition

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16 ZEST / October 2010

Feature Story

STAFF PHOTO BY KATIE WINTER

Art and Beth Kasal, Hutchinson, earned their retirement through saving and hard work. After three decades ofemployment at 3M, the couple felt now was the time to give back to the community and enjoy life.

As busy as everArt and Beth Kasal fill their retirement years

with service, travel and family

Page 17: zest Oct 2010

ZEST / October 2010 17

Feature StoryBy Katie Winter

The quest for a happyand comfortableretirement is almost

equivalent to the hunt forthe Holy Grail for the babyboomer generation. Thedefinition of a contentedretirement differs from per-son to person. In Art andBeth Kasal’s dictionary, thewords travel, communityservice and family describetheir post-career lifestyle.

The Hutchinson coupleretired a few years ago, buthave not wasted any timeembracing life after work.Both were employed at 3Mand are involved with 3MCares, a program dedicatedto encouraging 3M retireesto volunteer in their com-munities.

For 30-plus years, Artand Beth did their jobs,raised two children andoperated a small cow-calffarm near Brownton. Thechildren are now out ontheir own, the farm ani-mals were sold just lastyear, and the Kasals nowhave time for the otherpursuits they enjoy somuch. Those activitiesinclude gardening, volun-teering with several organi-zations and traveling toAsia, Africa and CentralAmerica in support of mis-sion projects that are closeto their hearts.

“When you see the needsof other people, you keep aperspective on it,” Art said.“You’re not the only onethat has needs. You see theneeds of the people and theneeds of the organizationand help where you can.”

Many active retireesdonate their time to com-munity projects and charityorganizations. According todata complied by the

Corporation for Nationaland Community Service,29.7 percent of babyboomers volunteered theirtime between 2007 and2009. In Minnesota, thepercentage is much higherat 41.1 percent for 2009.

One cause in particular,called Feeding ChildrenInternational grabbed theKasals’ attention. Throughthe organization, theKasals are able to expandthe reach of their efforts tohelp relieve hunger in morethan 60 countries. FeedingChildren International is anonprofit organization that

supports Richard Proudfit’sKids Against Hunger cam-paign. The group meets inStewart and works to pack-age food that is distributedto some of the most povertystricken regions. Art andBeth have participated inmost aspects of the proj-ects. In fact, their commit-ment even stretches to per-sonally delivering meals,clothing, eyeglasses andhealth supplies to childrenin Hatti, Africa and PuertoRico.

“When we went toHonduras we got to see thekids that are getting fed,”

Beth said. “It really is veryimportant. We take clothes.We got wheelchairs. Wehave medical stuff that wegive to the clinics there. Wedo more than just food andglasses.”

Experiencing the cul-tures and people from allover the globe is not unfa-miliar to Art and Beth whohave traveled frequentlyduring their 40-year mar-riage. Beth was born andraised in the Philippinesand moved to the UnitedStates in her 20s. Sincethen she has been back tovisit several times,

PHOTO COURTESY OF ART AND BETH KASAL

Art and Beth Kasal enjoy the sun and sand during one of the many trips theyhave taken around the world. Some of their destinations include Central America,Africa and the Philippines. Many of the trips were for various mission projects.

Page 18: zest Oct 2010

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Feature Story

including an extended visitthis fall. It can be a bit of agrueling schedule at times,but that is how she likes it.

“We’re just as busy,” Bethsaid. “I like it. It keeps mehappy. Its relaxing.”

All of the family’s travelsare immortalized in a largescrapbook Beth crafted.Inside, the pages are filledwith coins and papermoney from all over theworld.

“Nobody has that kind ofalbum I don’t think,” Bethsaid. “It’s so pretty for me.Instead of buying thingsthat get dusty and youdon’t need, we don’t buythings, we keep the coinsas souvenirs.”

The Kasals internationaladventures have cultivateda unique perspective on

retirement in the couple.For them the care andassistance they may needlater in life is strictly theirresponsibility to arrange.

“In the Philippines, wedon’t have nursing homes,”Beth said. “Over there thekids take care of the par-ents. Here I don’t dependon my kids that one daywhen I get old that they’lltake care of me. I don’twant to do that to my kids.When I told that to my rel-atives, they think my mindis so Americanized.”

They also have gleanedsome financial lessons fromtheir travels. And when itcomes to money the twocannot stress enough theimportance planning, sav-ing and budgeting.

“We’re pretty conserva-

tive,” Beth said. “You haveto save for rainy days. I feelbetter if you save for rainydays, always.”

Selling the farmOne planning step the

couple took was downsizingto a smaller home. A fewyears ago, the couplemoved permanently to ahouse in Hutchinson, goingfrom a roomy farmhouse toa more modest style houseinside the city limits. Themove was cleansing inmany ways for Art andBeth, even though lettinggo of a farm that had beenin the family for more than100 years was difficult.

“It was my grandfather’sfarm,” Art said. “We wentback in the records and heowned it since 1903. It was

recognized as a centuryfarm. I thought that mightbe the kiss of death theretoo. Nobody wanted to takeover the farm in the familyso we’re going to sell it off.”

The Kasals havethoughts of downsizing onemore time to a condo ortownhouse in a retirementcommunity, where houseand lawn maintenance isconsiderably less burden-some. Art said that kind ofliving arrangement wouldmake traveling for longerperiods more convenient.

For Beth, the retirementlifestyle is all about takinglife as it comes.

“Now as we get older weneed less,” Beth said.“Hopefully we’re stillhealthy. We just take it asit comes every day.”

Page 19: zest Oct 2010

(SPM Wire) It’s almost time to carve that pumpkin tocreate a spooky jack-o’-lantern.

While carving a lantern for Halloween may have start-ed across the ocean in the UK, the USA is where it’s atwhen it comes to pumpkins.

Over 1 billion pounds of pumpkins are grown inAmerica by major pumpkin-producing states, according tothe USDA.

Indeed, in 2008 Illinois led thecountry by producing 496 mil-lion pounds of the vined orangegourd.

Pumpkin patches inCalifornia, Pennsylvania andNew York also provided lots ofpumpkins. Each state producedat least 100 million pounds.

The value of all pumpkins pro-duced by major pumpkin-pro-ducing states was $141 million.That’s a lot of jack-o’-lanterns!

A classic jack-o’lantern

ZEST / October 2010 19

News

Got pumpkin?

Page 20: zest Oct 2010

Dear Marci,I am the primary caregiver for my mother, but I

will be out of town for a few days next month. WillMedicare pay for my mother’s care while I amaway?

— Bernard

Dear Bernard,Medicare will pay for respite care (a rest for caregivers)

only if your loved one has a terminal illness and qualifiesfor the hospice benefit. Under the Medicare hospice bene-fit, your loved one can get respite care in a Medicare-approved hospital or skilled nursing facility for up to fivedays at a time. Medicare will pay 95 percent of theMedicare-approved amount for respite care.

— Marci

Dear Marci,Does Medicare cover screenings for Alzheimer’s

and dementia?— Sun

Dear Sun,Yes. Medicare will cover medically necessary doctor vis-

its and laboratory tests needed to diagnose any suspecteddisease or condition, including dementia or Alzheimer’sdisease. Some methods to diagnose dementia orAlzheimer’s disease may include:

• Consultations with a primary care physician andpossibly other specialists

• A mental status evaluation to assess your cognitive capabilities

• A physical examination• A brain scan to detect other causes of dementia such

as stroke• A psychiatric evaluation• A positron emission tomography (PET) scan to

evaluate the cause of memory disorders that cannot be determined from any other diagnostic test

Medicare will cover 80 percent for your initial mentalhealth visit, 80 percent for medication management and55 percent for ongoing mental health treatment, such aspsychotherapy.

– Marci

Dear Marci,Does Medicare cover screenings for prostate cancer?

— Sven

Dear Sven,Yes. Medicare covers one prostate screening per year

(every 12 months) for men age 50 and older. Prostate can-cer screenings can detect prostate cancer, which affectsone in six men, in its early stages. The screening includes

a Prostate-Specific Antigen (PSA) blood test and a digitalrectal exam. Medicare will cover these services more thanonce per year if your doctor says you need them for diag-nostic purposes. Medicare covers 80 percent of the cost ofthe digital rectal exam (after you pay your annual Part Bdeductible), and 100 percent of the cost of the PSA test(with no Part B deductible required). (If you are in aMedicare private health plan—HMO or PPO—you mayhave a copay for the PSA test or the digital rectal exam.Call your plan to find out what you will have to pay.)

— Marci

Do you need help people with Medicare? Call theProfessional Hotline, a national service offered by theMedicare Rights Center to support people serving theMedicare population. Dial 877-794-3570 from 9 a.m. to 6p.m. EST for info.

Screenings for prostate cancer, Alzheimer’s anddementia are often covered by Medicare.

20 ZEST / October 2010

Medicare Answers

Respite care and screenings covered

Page 21: zest Oct 2010

ZEST / October 2010 21

The First Alert emergency pendant from McLeod Co-opPower may be just the thing they need to help you worryless while they live on their own. One press of the buttonwill call the 24-hour medical dispatch center, which willsend a family member, neighbor or police over to help.The pendant allows them to work outside in the gardenor go to the mailbox, and still summon help if they needit. Emergency pendants are leased for $30 a month(plus a $49 installation charge).

Do you worry about yourparents getting older?

Do you worry about mom or dad living alone?

1-800-494-6272

Do you worry about yourparents getting older?

Do you worry about mom or dad living alone?

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Medicare Answers

Tips to getting doughnut hole checksAs Americans in the Medicare prescription drug cover-

age gap receive the latest round of rebate checks from theprogram, AARP is offering its members and everyone inMedicare important tips to get their checks on time andavoid fraud.

People in Medicare Part D who reach the dreaded cover-age gap, or “doughnut hole,” are forced to pay the fullprice of their prescriptions, in addition to their monthlypremiums. This year, those who fall into the coverage gapwill receive a $250 check to help with their expenses.Medicare announced this week that it has mailed its onemillionth check. Starting in 2011, people who reach thedoughnut hole will receive a 50 percent discount on brand-name drugs. By 2020, the doughnut hole will be eliminat-ed entirely.

AARP is offering people in Medicare and their familiesfive important facts to keep in mind as the doughnut holerebate checks continue to hit mailboxes across the coun-try:

• Receipts can help you track your spending. People inMedicare Part D who reach the gap should automaticallyreceive a check, but you should save your receipts just in

case. If you think you’ve reached the doughnut hole anddon’t receive your check within a few months, having yourreceipts handy will be helpful when talking to Medicare.

• Checks will be mailed automatically. Your prescriptiondrug plan tracks your drug costs for you. Once you reachthe coverage gap, you will receive a check.

• Protect yourself against scams. If someone sayshe/she can help you get your check more quickly if youpay them a fee, immediately report this scam or any simi-lar fraud to the police or to your state’s Attorney General.You can find the Attorney General’s phone number in theblue pages of the telephone book or online atwww.naag.org. You should also report any suspected scamto Medicare by calling 1-800-MEDICARE.

• Your check will be mailed to the address SocialSecurity uses to reach you. If you need to change youraddress, please call Social Security at 1-800-772-1213. Ifyou prefer, a change of address may also be reported bycalling or visiting your local Social Security office.

Page 22: zest Oct 2010

By Katie Winter

Some days we all could use a helping hand.And thanks to local Area Agencies on Aging, assistance

is within easy reach for seniors and their caregivers.Area Agencies on Aging were established under the

Older Americans Act in 1973 to respond to the needs ofAmericans 60 and over in every local community. By pro-viding a range of options that allow older adults to choosethe home and community-based services and livingarrangements that suit them best, AAAs make it possiblefor older adults to remain in their homes and communitiesas long as possible.

The Minnesota River Area Agency on Aging servesMcLeod and Meeker counties along with 25 other south-west Minnesota counties. Jeanette Jochum is one of theorganization’s senior outreach specialists working out of

the Willmar office. She is responsible for providing one-on-one assistance to older adults, caregivers and persons withdisabilities. Some of her tasks include answering ques-tions about Medicare, leading public education classes andconducting home assessments for injury prevention.

“We do a lot of medical insurance counseling. That’s abiggie,” said Jochum, who has a background in mentalhealth counseling. “We also do some prescription assis-tance. We fill out the forms and help (people) get somehelp through discount programs.”

The mission of the Area Agency on Aging is to improvethe quality of life for older adults and their caregivers byputting them in touch with services and resources theyneed.

For example the organization strongly encourages theuse of the website www.MinnesotaHelp.info for connectingwith human services and financial assistance. The Senior

22 ZEST / October 2010

News

Name ____________________________________________

Address __________________________________________

City ____________________State ______Zip____________

Mail this form and your $18 or $10 check to

ZESTP.O. Box 921Litchfield, MN 55355

Themail’shere!”

The happiest day of the month is when delivery of the fresh, new issue of ZESTarrives in mailboxes and on newsstands.Home delivery subscriptions are availablefor $18 per year.Subscribers to the Independent Review orLeader can receive ZEST for only $10 per year.

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ZEST36 Washington Ave. W.Hutchinson, MN 55350

ORTO

Area Agencies on Aging arechalked full of resources

Page 23: zest Oct 2010

ZEST / October 2010 23

News

1455 Montreal St. SE (Next to Menards)

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Regional Eye CenterA WHOLE NEW LEVEL OF CARE IN HUTCHINSON

Michael P.Merck, M.D.

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Allan D.Wortz, O.D.

October is EYE PREVENTION MONTHAccidental eye injury is one of the leadingcauses of visual impairment in the UnitedStates. Approximately one million eye injuriesoccur each year in the U.S. and ninety percentof these injuries are preventable. The leadingcauses of eye injuries are sports accidents,consumer fireworks, household chemicals andworkshop and yard debris.

Learn to protect yourself from serious eye injuriesby taking a few simple precautions. 1. Wear safety goggles when working in the shop, in your

yard, or when cleaning with any chemicals. 2. Always wear the appropriate eyewear with sports or

recreational activities. 3. Never use fireworks at home.

If you get an eye injury, seek medical help immediatelyfrom an eye care professional. In the case of a chemicalburn to the eye, flush the eye clean and then seekemergency medical treatment immediately.

� Regional Eye SpecialistsOPHTHALMOLOGY/OPTOMETRY

A new level of eye examination and patient education. State-of-the art equipment for examination of the retina,macula and optic nerve.

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Twice the optical selection, including new frame styles,Transitions® and polarized prescription sunglasses.

� Regional Eye Surgery CenterON-SITE SURGERY CENTER

On-site cataract, glaucoma and Wavescan® LASIK surgery, performed with the latest surgical equipment.

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LinkAge Line is another top place to find information.People can call 800-333-2433 to learn more about trans-portation services, support groups, insurance counselingand much more.

Education is a key component of the organization’s pur-pose as well. From presentations on long-term care insur-ance and health insurance fraud to classes teaching basiccomputer and internet skills, the Minnesota River AreaAgency on Aging strives to broaden people’s mind andoptions.

Overall Jochum wants to stress that the organizationand its staff are available and willing to help in any waypossible.

“For health information counseling, I’m at theHutchinson Event Center the last Tuesday of every monthfrom ten to noon,” Jochum said. “That’s my set time that ifsomebody would want to call and schedule and appoint-ment with me, they could surely do that.”

For more information on the Minnesota River AreaAgency on Aging, visitwww.mmrdc.org/aging_services_mnraaa.html, or call 800-333-2433.

A few other helpful websites: The National Associationof Area Agencies on Aging – www.n4a.org, MinnesotaBoard on Aging – www.mnaging.org.

Jeanette Jochum is a senior outreach specialist withthe Minnesota River Area Agency on Aging.

Page 24: zest Oct 2010

24 ZEST / October 2010

Wellness

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Each year, millions ofnew cases of cancer arediagnosed across the globe.Although there is no defini-tive cause for many of thecancers out there, certainlifestyle choices put a per-son at a greater risk forcancer. By making a fewsimple changes, that riskcan be reduced.

1. Eat steamed broccoli.Broccoli is one of the super-foods purported to helpreduce cancer risk.However, microwaving orovercooking broccoli candestroy up to 97 percent ofbroccoli’s cancer-preventingflavanoids. Therefore, eatbroccoli raw or lightly

steam it to retain the mostnutrients.

2. Load up on garlic.Garlic might contribute tobad breath, but the sideeffect may be worth it.Garlic contains sulfur thatcan help fend off cancer bystimulating the body’s nat-ural immune system.

3. Enjoy orange foods.Sweet potatoes, carrots andcantaloupe contain caroti-noids, which can reducerisk of cancer.

4. Eat some blueberries.Blueberries top the list forantioxidants. Antioxidantsneutralize free radicals,which can contribute tocancer.

Ways to reduce cancer risk

Eating foods like broccoli can help reduce cancer risk.

Page 25: zest Oct 2010

ZEST / October 2010 25

Wellness

The Senior Community of Hutchinson

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• 1 or 2 BR Apartments• Social Activities• Medication Administration• Meal Plan• 24-hr Staffing• All Utilities• Housekeeping and

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Now Featuring Memory Care

5. Drink plenty of water.The body needs water tostay healthy and flush outcontaminants. Therefore,enjoy eight glasses per day.

6. Get a little sunlight.Not only does sunlightboost mood, which canreduce stress and keep thebody in top form, the bodyreceives most of its vitaminD from the sun. Minimalsun exposure will increasevitamin D in the body. Toolittle vitamin D can actual-ly contribute to some can-cers.

7. Reduce animal fatintake. Cut down on theamount of high-fat dairyand meat products con-sumed.

8. Walk 30 minutes aday. Even moderate exer-cise can reduce cancer risk.

9. Reduce exposure tochemicals. Let those dan-delions sprout in the lawn,skip dry cleaning clothesand use natural itemsaround the house for clean-ing. This reduces a per-son's exposure to potential-ly toxic chemicals that maycontribute to cancer.

10. Enjoy grapes. Grapescontain the cancer-fightingcompound resveratrol,which is found in wine.However, grapes do notoffer the potentially nega-tive consequences of alco-hol consumption.

11. Choose organic when-ever possible. Organicfoods are grown withoutchemical pesticides andfertilizers, making thembetter for the body.

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Page 26: zest Oct 2010

26 ZEST / October 2010

Puzzles

KING CROSSWORDACROSS1 Antelope's playmate5 Stinging insect9 Police officer12 Leer at13 Cake topper14 Sapporo sash15 Group with a job17 Swab the decks18 Picnic invaders19 Hamstrings21 Doesn't have24 Staffer25 Lotion additive26 Non-noble30 Doctrine31 Lions' prides32 Spy novel org.33 Subway patron35 Actress Gilpin36 Lhasa -37 Burdened

38 Mold and mildew40 Yoked team42 Moreover43 Town48 Altar affirmative49 Neighborhood50 A Great Lake51 Angeles preceder52 Eye part53 Lairs

DOWN 1 "What's up, -?"2 Id counterpart3 Shady tree4 Unoriginal movie?5 Skater Katarina6 Performances7 Witness8 Earlier bouts9 Began10 Reed instrument11 Gladys Knight's backup16 - and outs

20 Commotion21 Secular22 As well23 Shock troops24 U.S.26 Censor of old Rome27 Inseparable28 Green land29 Reason for a tarp31 Rodgers & Hammerstein cre

ation34 Gasoline stat35 Gave a bad review to37 Romanian money38 Go belly up39 Destroy40 Portent41 Opening day?44 Raw rock45 Anger46 Sardine container47 "Absolutely"

All answers on page 28

Page 27: zest Oct 2010

ZEST / October 2010 27

Puzzles All answers on page 28

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28 ZEST / October 2010

Puzzle Answers

BEFORE

AFTER

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ZEST / October 2010 29

Money

One of the fastest-growing users of online banking is theolder demographic. Why the increase? According to users,it’s largely due to convenience.

A 2006 Harris Poll discovered that about 14 million sen-iors are now actively online. An increasingly popularonline tool is online banking. Many are finding that pay-ing bills and managing funds via the computer is moreconvenient, especially for those with limited mobility.

Online banking enables them to review their accounts,transfer money, pay bills, and generally stay on top oftheir finances without having to leave the house. This is abig advantage to individuals who worry about traveling toand from bank branches. Combined with direct depositfrom social security and pension checks, online banking isideal for computer-savvy seniors.

While online banking can be advantageous, peopleshould be aware of some of the safety precautions thatshould be instituted when transferring information online.

• Make sure you use a security-enhanced banking sitethat works hard to prevent hackers from accessing yourinformation. If a site is secured, it will generally show a“lock” icon at the bottom of the web page.

• Reputable financial institutions will not ask you toprovide personal information, such as social security num-bers via e-mail. If you receive an unsolicited e-mail from abank, call up your branch to ensure it’s valid beforeresponding.

• Many home computer setups feature a wireless router.If you don’t have a passcode on your router, other peoplein the vicinity can tap into your signal and use it free.They also may be able to hack into your computer and seeyour private information. As a precaution, always lockyour router.

• Do not store account numbers, login information orpasswords next to the computer. This makes it easier foryour information to be accessed should someone breakinto your home.

• Opt for e-mailed statements and banking record-keep-ing. This eliminates paper statements that can be stolenfrom the mailbox.

• Use caution when using a debit card or credit cardonline to make purchases. Only buy from reputable retail-ers. Ensure that your card company does not hold youresponsible for fraudulent purchases.

Tips for banking online

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30 ZEST / October 2010

Travel

Warm, moist conditions in Minnesota this summershould produce vivid color this fall. The other necessaryingredient, sunny and cool fall days, is difficult to forecast.But current conditions point to a brilliant fall color season!One exception is the northeast corner of Minnesota, wheredrought conditions may alter the timing and intensity offall color.

Fiery red, blazing orange, vivid yellow and stunningcoral leaves are beginning to appear in the maple treeslocated inland from Lake Superior. Adding to the show arethe many species of migrating birds, including raptorssuch as broad-winged hawks, turkey vultures and baldeagles. At Voyageurs National Park, near InternationalFalls, park officials report beautiful yellow, red and orangedeveloping in the ash and maple trees; even the tama-racks are showing signs of transformation.

Reports indicate there is a small amount of change inthe trees and shrubs at most state parks withinMinnesota. Wildflowers are abundant and at full bloom inmany areas of the state, and prairie grasses are rich

shades of gold and rusty-purple.Typically, peak fall color arrives in the northern one-

third of the state in mid-September to early October. Thecentral third of the state is most colorful between lateSeptember and early October. Southern Minnesota treesreach the height of their fall color late September to mid-October. One exception is the North Shore of LakeSuperior, where peak fall color arrives about a week laterthan inland areas due to the warming effect of the lake.

Please note that fall color conditions can change rapidlydue to wind, rain and frost. Information in this report hasbeen provided by the Minnesota Department of NaturalResources, as well as Voyageurs National Park, the ThreeRivers Park District, and the Minnesota LandscapeArboretum.

The information in this report is provided courtesy of theMinnesota Department of Natural Resources and ExploreMinnesota Tourism.

Fall colors exploding in Minnesota

Every autumn outdoor enthusiasts bear witness to thebeautiful show of color and the wonder of Mother Nature.Although spring, summer and winter offer their share ofnatural splendor, perhaps no season offers the aestheticappeal of autumn.

Vivid yellows, oranges, purples, and reds can be seen inforests and hillsides all across most parts of NorthAmerica this time of year. The foliage season begins inSeptember for northern-most areas and can stretch intoNovember as one moves southward.

Each year thousands of people flock to areas of thecountry to catch a glimpse of peak color. While many havetheir preferred spots, it is interesting to explore otherareas and compare. Here are some popular areas acrossNorth America where individuals can enjoy fall foliage.

• White Mountain National Forest, New Hampshire:This national forest in New England offers vivid color,peaking the first two weeks of October.

• Green Mountains, Vermont: Vermont is a great statefor fall foliage, and just about every piece of land withsome trees will offer a beautiful display. The GreenMountains peak in late September in higher elevations.

• Laurentian Mountains, Quebec: Splendid autumnimages are abundant in Canada, too. Leaves are celebrat-ed every year during the last week in September atTremblant's Symphonie des Couleurs. Peak viewing timesstart in the end of September.

• Blue Ridge Parkway, North Carolina: This limited-access road runs through the southern AppalachianMountains from Virginia to the North Carolina-Tennessee

border and offers great views of fall foliage.• Allegany State Park, New York: This far-west region

of New York borders equally prime viewing areas inPennsylvania. The second week in October is peak view-ing time.

• Columbia River Gorge National Scenic Area, Oregon:A special place on the western side of the CascadeMountains, Congress recognized the unique beauty of theGorge by making it the nation’s first National Scenic Areain 1986. The last two weeks of October into November isthe best time to view the colors.

Celebrate the majesty of autumn

Many areas across North America offer prime fallfoliage viewing.

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Come join in the fun...Make new friends...

Create new memories!

Come join in the fun...Make new friends...

Create new memories!

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Discovering Red Wing Tour – October 6, 2010It’s a beautiful time of the year in Red Wing and we may even get to see the bald eagles on their way south! We’llbegin with a guided tour which takes us past Victorian homes, historic buildings and landmarks, spectacular blufftop vista and beautiful riverside parks. An included lunch buffet at Marie’s with a short time to browse the down-town shops. Our next stop will be the historic Pottery Place Salesroom and our final stop will be a factory tour ofRed Wing Stoneware Co. $59 pp

Jeeves in Bloom at the Old Log

Theater – October 27, 2010We’re headed to the Old Log Theater. After anincluded smoked pork chop dinner we’ll watchJeeves in Bloom! It follows the uproarious mishapsand misadventures of the loveable, loopy BertieWooster, who manages time and again to put himselfin socially precarious situations, only to be rescued by his brainy bulter Jeeves. $59pp

New Ulm Experience Tour – November 8, 2010We’ll begin with a guided city tour including the Herrmann Monument, the beautiful Cathedral of the Holy Trinity,

Dakota Conflict sites and other sites related to New Ulm’s strong German heritage. At noon we’ll watch theGlockenspiel performance and an included lunch. $59pp

A Country Christmas & Lights Tour – December 4, 2010We fill this tour each year, so early registrations with payment are rec-ommended. We’ll begin with an included Old Country Buffet lunch toget everyone home earlier. In anticipation of Christmas, we’ll enjoy aBranson-style Christmas performance featuring a cast of over 80singers, musicians and comedians, the creation of Lowell Lundstrom.After the show, we’ll check out some of the area lights displays andenjoy Christmas snacks and the music of the season. The price hasn’tchanged! $62 pp

HOLT TOUR & CHARTER245 Cokato St. SW • Cokato, MN 55321

(320) 286-5315 • 866-HOLT-BUSwww.holttourandcharter.com

HOLT TOUR & CHARTER

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