Golden Times, Tuesday, April 6, 2021

A YEAR AS FLAT STANLEY | 4 BELLA THE MOB BOSS | 5 SENIOR MEAL MENUS | 11-12

How to not break the bank

FINANCIAL ADVISERS SHARE ADVICE ON KEEPING YOUR ASSETS OUT OF THE NURSING HOME

golden

TIMES A monthly magazine for the region’s seniors

TUESDAY, APRIL 6, 2021 / VOL. 31, NO. 4

ON THE WEB INDEX:

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Find Golden Times at lmtribune.com under “Special Pubs.”

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Birthdays ....................................................................... 6 Giving up her dog was hardest part of move ................ 5 Lessons learned in a year of pandemic ......................... 4 Senior meal sites and menus ................................. 10-12 Share your funny wedding stories ................................ 6

Page 6 .............................

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How to keep your assets out of a nursing home ........... 9

Scam stopper: Tips on staying safe .............................. 7

Birthday index: Judy Taylor Theresa Sonnen Ronald Jones

ON THE COVER: The sticker price of long-term care can be a shocker. If you’d rather give your money to your children than a nursing home, you can find financial planning tips on Pages 8-9.

Sudoku puzzle/solution .......................................... 10/8

SUBMISSION DEADLINE for the May issue is 5 p.m. April 15.

Tax filing help is available ............................................. 8

EDITOR: Julie Breslin, (208) 848-2241/jbreslin@lmtribune.com

Volunteer Opportunities .............................................. 3

GOLDEN TIMES: P.O. Box 957, Lewiston, ID 83501 goldentimes@lmtribune.com

Will you run out of money in retirement? ................... 8

DON’T GET BURNED MAY BIRTHDAY CELEBRANTS: Send your information to Golden Times by 5 p.m.

April 15.

How do I choose the proper mattress and pillow when it is time for a change and how can physical therapy influence sleep tolerance while healing from injury?

From

Hospital to Home

Levi Frasier, PT

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We’ll get you from here to there with our personalized clinical therapy services.

When it is time to choose a new mattress and pillow you might want to consider several things.

Sleeping surfaces generally need to offer proper support but should also be easily accessible. We should first sample a firmer surface by placing a mat on the floor and sleeping on it for a couple of nights or sample a softer surface by adding a mattress pad to your current mattress. Knowing whether you prefer firm or softer surfaces then go to a mattress store and trial mattresses for 30-45 minutes or as long as needed to influence your pain response to determine the impact of the mattress on your tolerance. You should also take your own pillow to trial mattresses.

Down or down/feather pillows will generally allow for increased comfort allowing the neck to relax fully and conform with less push back versus foam pillows which may be used more for supporting areas such as the arms and legs.

Physical therapists are trained in bed positioning and mobility and may be able to provide input into proper positioning after injury for support of healing structures to influence proper alignment and unloading of structures. Don’t hesitate to contact the Institute of Physical therapy to allow our professional staff to assist you in your rehabilitation needs.

678 Southway, Lewiston LT-589332

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GOLDEN TIMES

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Relieving Pain – Restoring Function www.instituteofphysicaltherapy.com

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PHYSICAL, OCCUPATIONAL & SPEECH THERAPIES

208.798.8500 • 325 Warner Dr. • Lewiston, ID 83501 • LifeCareCenterOfLewiston.com

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VOLUNTEER OPPORTUNITIES

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crafts? Project Warm-Up needs people to make hats, scarves, mittens and lap robes to be donated to more than 30 nonprofit agencies in the fall. Yarn is provided. ï Are you passionate about helping the less fortunate? Nonprofit thrift stores need volunteers to work as sorters, cashiers and on the sales floor, and to do general cleaning, pricing and other tasks as needed. ï Does your heart ache for vulnerable children?

Court Appointed Special Advocates/guardian ad litems needs volunteers to speak on behalf of children. CASA/GALs work independently to investigate and monitor cases of juvenile abuse, neglect or dependence in the Asotin and Garfield County Superior Court. Background checks are required.

Training is provided. ï Are you good in an emergency? The American Red Cross needs volunteers to serve on its Disaster Action Team. The group serves as the agency’s first-response team, providing comfort and assistance to those affected by disaster. ï Are you a history buff?

The Nez Perce Historical Society needs volunteers to greet visitors, guide tours, assist in the office and do custodial work.

Training is provided.

L-C VALLEY HABITAT FOR HUMANITY’S vision is “a world where everyone has a decent place to live.”

The group partners with people in the Nez Perce and Asotin Counties to help them build or improve a place they can call home and welcomes volunteers. For more information or to sign up, visit l-cvalleyhabitat. volunteerhub.com or call the volunteer coordinator

at (208) 310-0702. Current needs include: ï Someone to write and research grants: Grant money is a critical part of what make Habitat for Humanity homes possible for low-income families. ï Newsletter writer. ï Various tasks at the Habitat Store, including merchandising, creating decorative displays; sales associates/customer service; stocking shelves/organizing merchandise; pricing; unloading donations; and loading purchases.

VALLEY MEALS ON WHEELS provides daily home-delivered meals to seniors, home-bound and special needs clients in the Lewiston-Clarkston Valley.

If you or someone you know would benefit from in-home meal service, contact the office between 8:30 a.m. and 1 p.m. at (208) 799-5767 or by email at valleymeals@aol.com.

INTERLINK INC. is a nonprofit organization that works to match community volunteers to people needing assistance to remain independent in their own homes.

For more information, call (509) 751-9143 or stop by the office in downtown Clarkston at 817A Sixth St. Volunteer applications and addition information can be found online at inter linkvolunteers.org.

Golden Times publishes Volunteer Opportunities in the LewistonClarkston Valley monthly as a free public service. Area agencies may send information to goldentimes@ lmtribune.com or Golden Times, P.O. Box 957, Lewiston, ID 83501.

All submissions are edited for brevity and clarity, and will run as space allows. Questions may be directed to editor Julie Breslin at jbreslin@lmtribune.com or (208) 791-6635. Deadline for the May edition is 5 p.m. April 15.

GOLDEN TIMES

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The WA-ID VOLUNTEER CENTER, in the Lewiston Community Center at 1424 Main St., strives to provide individualized volunteer opportunities for those wishing to serve in Lewiston, Clarkston, Asotin, Pomeroy, Moscow and the Orofino area. Information and other volunteer openings can be found at waidvolunteercenter.org or by calling (208) 746-7787.

The following spots are available. ï Do you have a desire to turn the tide of opioid addiction? Opioid Information Instructors are needed to lead an online class through a Power Point-based curriculum.

Instructors will facilitate discussions based on audience questions regarding opioids, their use and their disposal. Training is provided. ï Are you committed to feeding the hungry? A food bank needs volunteers to repack frozen and dry foods for distribution, staff the front counter and drive for morning food pickups. ï Do you like driving and helping the homebound? Senior meal providers need regular and substitute delivery drivers. Drivers must have a valid driver’s license and auto insurance. ï Are you good with people? A blood drive canteen needs volunteers for follow-up duties, including maintaining a comfortable atmosphere, serving refreshments and talking with donors and answering questions while observing them for possible adverse reactions. ï Do you get satisfaction from cutting through red tape? The State Health Insurance Benefit Advisors program needs volunteers to assist local seniors with Medicare questions.

Training is provided. ï Do you enjoy hand

You have our Promise.

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A Place to Call Home www.egeral.com | 509.758.5260 At Evergreen Estates, we understand the importance of community and connection to enrich each other's lives. Life is best lived with people who deeply care about you. Whether selecting a place to call home for yourself or a loved one, at Evergreen Estates, everyone is a part of our family.

Delight in our spacious senior apartments or delicious meals prepared fresh daily. Enjoy the simple pleasures, like a relaxing cup of coffee on the patio while enjoying the view from your room.

Schedule a private tour with us today!

Ask about our 35% discount for the first three months following move-in.

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Tired of being at home and looking for a way to get involved in the community again?

Consider volunteering with L-C Valley Habitat for Humanity.

Stop by the Habitat Store (1633 G St, Lewiston)

Saturday, April 24, 11am-1pm for a

Volunteer Information and Appreciation BBQ.

We will have team members on hand to share our many volunteer opportunities with you and provide an opportunity to ask questions about our programs.

If you are a previous volunteer we haven’t seen in a while, we want you back! We’ve missed you!

Come on down to the BBQ, grab some lunch.

www.l-cvalleyhabitat.org

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Lessons learned while walking a mile in Flat Stanley’s shoes

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arch 13, 2020, I adventures. Then it was hustled in to direct mailed back to the student, a play rehearsal who pinpointed its travel at Grantham Elementary on a map and shared the and was greeted by the adventures with the class. secretary. “You’ll need to What a great way to travel call your cast’s parents and and learn about the world. let them know their kids My pre-virus, retirewill be coming home right ment life consisted of after school. We’re shutting wonderful, real-life travel down the school at the adventures. I loved visitlast bell.” ing places where a I knew this was citizen would give coming. I’d been me a personal view watching statistics of their country. I about COVID-19. enjoyed the people We were only five and was fascinated days away from with the cultures. performance.

The virus brought I met with the that to a halt.

THINKING cast in the music My first week as room and tried to OUT LOUD Flat Sharon held explain what was one question: What happening to my am I going to do distraught actors, now? A “how to sew while calling masks” instruction their parents. popped up online. I That was the day experimented and I became a Flat taught my grandStanley. Maybe daughter how to you’ve never heard of him. sew the first part. I did Jeff Brown cleverly creat- the pleating and finish ed him in 1964. Stanley is work. I put the masks in a young boy whose bulleFlat Brown Sacks and slid tin board fell off the wall them under my front door in the night and landed to a scared world. Even on him while he slept. It a Flat Sharon could be compressed him into a useful. I made new Flat four-inch thick character Friends as I took their who was able to travel the orders on Facebook. world and have many exCanceled in-person citing adventures because events became Flat Screen of his thin body. events. Birthday parties, For years, teachers baby showers, writer’s planned social study lesconferences, conventions, sons around Flat Stanley. state board meetings, Each student created their church services, a tea own Flat Paper Person and party, small groups and wrote a letter of introduc- meetings screened-up tion for them. They mailed on my newly purchased it to someone they knew, four-inch thick computer. who took the Flat Person Zoom, Skype and Google on an adventure at their became a way for my Flat location, wrote about it Sharon self to travel, be and mailed it to another involved and continue person somewhere in the life activities in new and world. This chain constrange ways. Activities tinued until the student’s on the Flat Screen were Flat Stanley had five enhanced by not having to

Sharon Chase Hoseley

GOLDEN TIMES

travel long distances and certainly saved money.

However, there was a massive hole in my satisfaction with Flat Life.

As Flat Sharon, I missed being able to read body language of my friends, having the one-on-one social experience of conversation and perhaps lunch, visiting after a meeting that was shut off, and most of all the 3D rounded body of the Flat Person on the screen.

After a year, I braved the new world and attended an in-person worship service. How strange it felt to be surrounded by so many bodies. How scary that those bodies weren’t all wearing masks. They greeted me with smiles and “welcome back.” It was a giant step, a leap from my Flatness back into three-dimensional life.

I traveled the Flat Computer World for a year, experienced myself as a virtual Flat Sharon who became comfortably integrated into my Flat Society.

The missing piece in my Flat Virtual World was touching. Thank goodness for my granddaughter, who lives with me. She insists on hugs several times a day.

I was excited to see a headline in the paper: Nursing home residents will soon be able to receive hugs.

My hesitant Flat Self has a strong desire walk up to real people and ask, “May I touch you?”

Would you think I was being too forward?

Chase Hoseley is a freelance writer and retired kindergarten teacher who lives in Clarkston.

She looks forward to sharing her out-of-the-box, out-loud thoughts with you each month. She can be reached at sah32@cableone.net.

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FROM LEFT: Ruth Bosserman’s beloved dog, Bella.

Slate the cat pouts next to his cat house, where the new dog, Bella, made herself at home and took a nap.

Bella goes from being a spoiled only dog to mob boss at new digs

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acking to sell and supplements — those exleave my condo was penses all add up. easy compared with Bucky and Bella have my anguish over finding a always been friends. The home for my beloved five contrast in their size is pound, champagneastounding, but they are colored toy poodle, Bella. happy to be together. Bucky She wouldn’t be often attends to Belallowed at the la’s safety when they retirement home. are outside.

I expressed my Maude was new concern to daughter, to Bella. This goodBeth, who immedisized puppy playately responded that fully threw Bella she would take her. clear across the That brought great room on their first THE VIEW relief to my soul, but encounter. That FROM TWO did it for Bella! She caused me to reflect on her present growls, even when abundance of pets. resting with closed There is Bucky, eyes, if she thinks a 109-pound black Maude is nearby. shepherd mix, It was quite an Maude, a hound, adjustment for both new to Beth’s household, of us when the final day and in training to be First came. I gave Bella over to Dog, because of Bucky’s Beth, along with a big bag age and arthritic condition. of Costco chicken thighs, Just a puppy, Maude weighs because that was all Bella about 70 pounds. Then would eat. I have spent a there is Slate, her dark-gray small fortune on canned cat, who views the world or kibble — every brand with an aloof dignity. He of dog food, only to have to likes to lie on one of the give it to the animal sheldining chairs, well-hidden ter. Her refusal to eat dog by the overhang of the food caused me to give her tablecloth. From there, he supplements to balance quietly views whatever out her diet. calm or chaos is happening Soon after moving to at the moment.

Beth’s house, Bella noI promised to help ticed Bucky and Maude with Bella’s upkeep — ate their food out of a huge high-maintenance creabowl on the kitchen floor ture that she is. Monthly while she ate her chicken. trips to the groomer, trips She began to check out to the vet, prescriptions, that bowl and even tried a

Ruth Bosserman

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piece of its contents. I had given her similar food to try, but it took peer pressure for her to decide she liked this food that the big dogs eat. I said, “She discovered she is a dog.”

Finally! That ended the chicken-thigh diet forever.

Bella quickly made herself at home, taking naps on her blanket at the end of the couch. One day, she discovered Slate’s cute little cat house had a pillow inside, and she proceeded to go in and have a nap. Slate saw someone was sleeping in his bed. He raised his paw and gently tapped on Bella’s head. She, of course, ignored the tap. He finally gave up and found a dining chair to crouch on and wait for the intruder to leave.

Maude, being a puppy, often gets blamed for many things, but a houseguest of Beth’s observed that Bella instigates a number of situations that get Maude in trouble. Beth is learning, and the houseguest proclaimed Bella the “mob boss,” of that entire house full of animals.

Bosserman, 92, is a retired Clarkston first-grade teacher. She lives at Evergreen Estates in Clarkston.

She had expected the complex’s pandemic rules to be relaxed when the state moved into Phase 3 of reopening in mid-March, but when Golden Times went to press, she was still in quarantine.

GOLDEN TIMES

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The cake toppled on the way to the reception hall? The ring rolled off the pillow and down a vent? At the suggestion of a reader who enjoyed February’s love stories, we invite you to share your funny (in retrospect) wedding stories for the June edition of Golden Times.

Send a wedding snapshot and a brief account of the quirky moment(s) that made your special day memorable. We will print our favorites.

Stories and photos can be emailed to goldentimes@ lmtribune.com with “Wedding Story” in the subject line; dropped off at the Lewiston Tribune office at 505 Capitol Street; or mailed to Golden Times c/o The Lewiston Tribune, P.O. Box 957, Lewiston, ID 83501.

To have photos returned, include a stamped, addressed envelope.

Electronic submissions are preferred.

Word limit is 300.

Deadline is 5 p.m.

May 15.

B I R T H DAY S > APRIL 1

> APRIL 20

> APRIL 25

Judy Taylor, 100

Theresa Sonnen, 91

Ronald Jones, 100

Alice “Judy” Virginia Franklin was born in 1921, in Council Bluffs, Iowa.

She grew up there and married Dean Hutchison in 1944. They served their country as a dedicated career military family; raising four children (Susan Vedder, Dean Hutchison, Sally Gabby and Fred Hutchison) while traveling the country and the world.

Judy and Dean retired in 1969 and established a home in Coeur d’Alene. They enjoyed snowbirding to Arizona, square dancing and motorcycle trips. Lt. Col. Dean Hutchison died in 1985.

Judy married Frank Taylor in 1989, and they made their home in Edmonds, Wash., and Sun City, Ariz., during the winters. They enjoyed traveling, playing golf and collecting art. Frank died in 2014.

Judy eventually moved to Pullman to live closer to family. She enjoys bridge, reading, “Jeopardy!” and rooting for the Mariners, Seahawks, Huskies and Cougars. She loves to spend time with her children and their partners and families, which include eight grandchildren and 13 great-grandchildren; and the Taylor families.

A grandchild remarked about her loving, cheerful and independent spirit, which indicates what a true inspiration she is for her family, who wish her a special century happy birthday.

Theresa Gabriella Sonnen, of Cottonwood, was born in Keuterville on Easter Sunday of 1930, to Herman and Mary Uptmor.

She graduated from St. Gertrude’s Academy in Cottonwood and later graduated from Kinman Business School in Spokane.

She married Everett Sonnen on April 11, 1951. They were married for 65 years. He died Jan. 10, 2017. They raised their five children in Cottonwood, and they have 14 grandchildren and 20 great-grandchildren.

Theresa enjoys playing bridge and pinochle, and she bowled when Cottonwood had its bowling alley.

She also enjoys traveling and visiting with family and friends.

A celebration will be held at a later date because of current public health concerns.

Ronald F. Jones was born in 1921 on the Garrett Ranch at Nezperce.

He grew up on Cherrylane Ranch, Lenore, east of Lewiston. He rode a horse to Myrtle Grade School. He attended Lewiston High School, graduating in 1939.

Ron served in World War II and worked for the Camas Prairie Railroad Company for 42 years. He was a self-taught telegrapher. He worked in Headquarters, Grangeville and Lewiston, as auditor/freight agent, retiring in 1980. He was mayor of Lewiston from 1970-74. Community service includes work with United Way Canvas and the Lewiston Chamber of Commerce. He was a member of the Masonic Lodges, Shriners and Elks and served as an elder of the Congregational-Presbyterian Church of Lewiston.

Ron and wife, Mildred, married 78 years, closely follow activities of their five children and their grandchildren, great-grandchildren and great-great-grandchildren.

Ron and Millie are very active, and they remain in the home they built in the 1980s.

Ron has been an avid golfer, hunter and fisherman; loves gardening.

He is a candlemaker and peanut brittle connoisseur. He has built two homes, assisted family in building projects, and continues to be piqued by current news and events in today’s changing world.

To submit birthdays: Birthday announcements starting at age 70 are accepted for free publication in the month of the birthday only. Length limit is 200 words. All submissions must include the name and contact information of the person submitting the announcement. Current photos are welcome — please no dated pictures. To have photos returned, please include a stamped, selfaddressed envelope. Submissions may be sent to goldentimes@lmtribune.com or Golden Times, P.O. Box 957, Lewiston, ID 83501. Questions may be directed to editor Julie Breslin at jbreslin@ lmtribune.com or (208) 791-6635. May birthday announcements must be received by 5 p.m. April 15.

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We want your funny wedding stories

Serving Lewis-Clark T UonE SforD 87 A Y,yeaArs.P R I L 6 , 2 0 2 1 regi

inancial predators are alive, well and on the prowl, hoping to separate you from your money.

Catfishing predators may claim to be looking for romance. Here are a few tips on how to avoid becoming their next victim. Feel free to clip this and tape it near your phone and/or computer.

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take steps to minimize damage and protect themselves.  Report it to their bank or credit institution if money was taken or information was shared.  Report it to the business or organization involved.  Report it to the Better Business Bureau at www.bbb.org/scamtracker/us.  Report it to the Federal Trade Commission at ftc.gov/complaint or by calling > RED FLAGS INCLUDE CALLS, EMAILS (877) FTC-HELP. OR LETTERS THAT:  Find a list of current known scams and  are unsolicited (you didn’t initiate contact) more information on avoiding scams, at  are threatening in tone, promising scary www.consumer.ftc.gov/features/scam-alert. or embarrassing consequences for noncom Find information on scams circulating pliance or locally on the Lewiston Police Department’s  are euphoric in tone (great news, you Facebook page, where citizens also may sign won the lottery — we need your bank account up for news alerts. number to deposit your winnings)  Ask door-to-door solicitors to show their  request personal information licenses, and call the police if they don’t.  request money — usually in the form of > BEWARE OF CATFISHERS a prepaid debit or credit card LOOKING FOR “LOVE”  carry an aggressive sense of urgency Catfishing is when someone fakes an > IF YOU SUSPECT YOU’RE BEING online identity to scam victims for money, TARGETED BY A SCAMMER: romance or physical harm. These predatory DON’T online relationships can last for months or  share any personal information even years. It’s catfishing if ...  send money  They ask for money: An online friend DO or romantic interest whom you’ve never met  hang up the phone asks you to send money or provide your bank  delete the email or information.  shred the letter  They won’t meet. Beware if the contact  Check legitimacy of claims if desired, strings you along but avoids meeting in but not using a number supplied by the person. Some catfishers agree to meet but caller. Instead, look the company up in the have an “emergency” — such as a canceled phone book or online. flight or a medical issue — that prevents it.  Report the scam (more information Catfishers often claim to be stationed follows). abroad or working on an oil rig as an excuse for not meeting. > THINK YOU’VE BEEN TAKEN?  Skyping is off limits, too. Catfishers It’s a good idea to pay attention to details refuse to video chat. on bills and other financial transactions;  They seem too good to be true. Some discrepancies can be a red flag for identity people who catfish feel bad about themselves theft. But many fraudulent schemes curand often assume the online persona of a fashrently circulating are sophisticated and able ion model, actor, successful businessperson, etc. to trick even the most savvy. Anyone who believes they’ve been contacted by a scam > DON’T GET HOOKED artist and/or fallen victim to a fraudulent Before meeting in person or providing scheme may … any information about yourself, fact-check  Report it to local police at (208) 746claims and verify online identities using 0171 in Lewiston, (509) 758-2331 in ClarkGoogle and SocialCatfish.com. ston, (208) 883-7054 in Moscow or (509) — Golden Times 334-0802 in Pullman. Police can alert the community to new scams and help victims

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SCAM STOPPER

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Limited drop-off tax prep help available in region

Will you truly run out of money in retirement?

AARP Foundation Tax Aide IRS-certified volunteers are unable to offer in-person service at this time because of the coronavirus pandemic.

The service is available at the Salvation Army meal site in Lewiston, using a drop-off model by appointment only, according to a news release from the free, volunteer-staffed program.

Taxpayers may call (208) 717-4520 to schedule an appointment. Packets of information will then be mailed to participants.

Taxpayers should bring their completed packets and tax documents to their appointments with an intake counselor. A preparer will accept the documents, the taxpayer will leave, and then be called back to pick up the return and documents the same day.

The scope of returns will be limited this year, and the needs of each taxpayer will be discussed when appointments are set.

Because of COVID-19 protocols and time constraints, program volunteers won’t be able to prepare the returns of everyone who calls, according to the news release.

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any people in the ment Readiness Survey.

U.S. retire without And their worries may enough money to mainbe well-founded. A 2012 tain their pre-retirement paper for the National standard of living. Once Bureau of Economic Reretired, though, people search found 46.1 percent often reduce of older adults their spending died with less enough to make than $10,000 in their money last, financial assets. according to a Of course, the recent study by phrase “running David Blanchett, out of money” is head of retiresomewhat misment research at leading. The vast Morningstar, and COMMENTARY majority of U.S. Warren Cormier, retirees receive executive direcSocial Security tor of the Defined benefits, which Contribution continue for life.

Institutional InSo while they may vestment Associarun through their tion’s Retirement savings and run Research Center. > WHEN CAN short of money, “People are I RETIRE? they can’t truly finding a way to run out. www.bit.ly/ make it work,” Still, few people nerdwalletBlanchett says. relish the idea retirementThe findings of having to cut time challenge a comback sharply on mon financial their spending in planning assumption that retirement or eking out retirees’ spending will an existence on $1,543 a increase at the rate of inmonth (the current averflation each year. But the age Social Security check). research also indicates SPENDING LESS SLOWS many people retire without a realistic understand- THE BURN RATE Blanchett and Cormier ing of how much they can studied 425 U.S. housesafely spend. holds that had at least $10,000 in savings at RUNNING OUT VS. RUNNING SHORT retirement and $5,000 in The fear of running out annual Social Security of money is pervasive benefits. They found only in the U.S. Nearly half 18 percent retired with of Americans have this enough money to maintain concern, according to their standard of living. the 2019 Aegon RetireOver time, though, most

Liz Weston

However, when you lose a loved one, you can trust us to provide professional care and to respect the concerns and budget of your family.

Contact our experienced advisors to start preplanning the process today.

Jon Suman , Pre-need Advisor 208.743.9464

Mountain View Funeral Home & Crematory M er c hant Fun er al H o m e Ri c har d s o n - B r own Fun er al H o m e L ewi s C lar k M em o r ial Gar d ens www.merchantmemorialgroup.com 592161D_21

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SUDOKU PUZZLE, Page 10 GOLDEN TIMES

of the households reduced their spending and slowed how quickly they were burning through their savings. After 10 years, the proportion with sufficient funds to last their retirement shot up to 48 percent.

The research, which was published in September 2020, has its limitations. The sample size was relatively small, didn’t include the poorest households and examined only the first 10 years of retirement. Also, the researchers couldn’t tell whether people were cutting back by necessity or choice. Blanchett believes many haven’t thought enough about how much retirement will cost and are forced to adjust as their savings dwindle.

“Either they didn’t know how much they needed to save, or they just didn’t (save),” Blanchett says. “They get to retirement, and they have to start making harder choices.”

certified financial planner Dana Anspach of Scottsdale, Ariz.

People can take frugality too far, though, if fear keeps them from getting the most out of their retirements, Blanchett says.

“You might end up not spending enough money when you could enjoy it more,” he says.

A LITTLE PLANNING CAN GO A LONG WAY Picking the “right” level of spending in retirement isn’t easy because of all the unknowns, including how long you’ll live and your future health. Having a clear idea of what your expenses are likely to be in retirement, as well as how much income you can expect, can help you create a sustainable spending plan. A good financial planner — preferably a fee-only fiduciary advisor committed to putting your best interests first — could be helpful. Your brokerage or 401(k) provider also may have resources to help guide you.

SOME WHO COULD A little planning could SPEND MORE DON’T However, the research- go a long way to help the many people who won’t ers also found that many be able to sustain their of the households that pre-retirement lifestyle. had enough money were Blanchett likens it to spending as if they did being able to spot the edge not. In fact, 29 percent of of a cliff in time to avoid the best-funded housegoing over. holds actually had more “It can be a very painful wealth 10 years into reality for a lot of people retirement. when they really underThat resonates with stand what they have and financial planners, who say they often have clients what they need,” Blanchett says. “But I’d rather who spend less — someyou understand that at 65 times much less — than than you get to the point their wealth would supthat you’ve blown through port. Some want to leave inheritances for their kids all your savings.” or guard against financial This column was provided to The shocks, such as longterm care. In other cases, Associated Press by the personal they’re just more comfort- finance website NerdWallet. able continuing old habits. Weston is a columnist at NerdWallet and a certified financial “If you are in the habit planner. She can be reached at of being frugal, you tend lweston@nerdwallet.com. to remain that way,” says T U E S D A Y, A P R I L 6 , 2 0 2 1

“I think the most important thing that we need to remember is to plan. To have a plan and talk with your financial professional about what your options are and what you need to do.”

KAREN RICHEL, A CERTIFIED MONEY COACH FOR THE UNIVERSITY OF IDAHO EXTENSION OFFICE IN LATAH COUNTY

Nest egg vs. nursing home Experts share tips on how to keep your assets out of the nursing home

By KATHY HEDBERG

F

FOR GOLDEN TIMES

iguring out the costs of long-term or nursing home care for one’s golden years can be a jaw-dropping revelation.

Estimates in 2020 for annual in-home care services in Idaho are $54,000; in Washington that number is $72,000.

Fast forward to 2035, and in-home care services are expected to jump to $84,000 a year in Idaho and $113,000 annually in Washington. And that’s just the beginning.

“It’s kind of terrifying,” said Karen Richel, a certified money coach for the University of Idaho Extension office in Latah County.

Richel recently hosted a webinar titled “How to Keep Your Assets Out of the Nursing Home.” The well-attended online session was instructed by Bruce Longmeier, president and founder of Northwest Planning in Spokane and Ross Anderson of Principal Peak Elder Law PLLC. In-home care services are only the start of what seniors might expect as they search for assistance and long-term care. In 2020 in Idaho, the estimated cost for adult day care was $28,000 a year. That’s likely to increase to $43,000 in 2035.

In Idaho, an assisted living facility in 2020 averaged $44,000 a year, and a semiprivate room

T U E S D A Y, A P R I L 6 , 2 0 2 1

at a nursing home ran $104,000.

A private room in a nursing home costs about $109,000 a year.

It is estimated in 2035 a single bed in an assisted living facility in Idaho will cost $69,000, a semiprivate room in a nursing home will run $162,000 and a private room $171,000.

In Washington, adult day care

is expected to increase from $26,000 in 2020 to $41,000 in 2035. Assisted living is predicted to go up from $69,000 in 2020 to $108,000 in 2035. Nursing home costs for a semiprivate room shoot up from $115,000 in 2020 to $179,000 in 2035, and for a private room, the jump is $131,000 to $205,000.

> MORE INFORMATION The “How to Keep Your Assets Out of the Nursing Home” financial planning webinar has been posted to Money Coach Karen Richel’s UI Extension office website at www.uidaho.edu/extension/county/latah/family-finance.

Free consultation with Longmeier and Anderson also is available at www.trustedretirement.com/university-of-idaho-extension.

The information will remain on the site, and the password and presentation notes will be shared with people who check it out.

Richel also is available at (208) 883-2241.

GOLDEN TIMES

Longmeier “said not to let this scare us,” Richel said. “But it’s important to plan to guard your nest egg.”

People have options other than just long-term care insurance that can help cover their needs when they need long-term care.

The webinar spells out these options in detail and gives people contact information if they have questions.

Anderson provided information about legal remedies and planning methods to help families protect their estates and help them with their costs.

These include long-term care costs, asset preservation and Medicaid assistance.

“Long-term care is not the same as it used to be, so there are so many other vehicles to help folks get to what their long-term plans need to be,” Richel said. “I think the most important thing that we need to remember is to plan, to have a plan and talk with your financial professional about what your options are and what you need to do.

“This all sounds very scary, and it’s overwhelming, but there are options that will work for any financial plan.

The goal is to protect what you want protected.”

“It is such an unknown thing, and in our area we don’t really have anybody,” to advise on these topics, she said.

“There are some folks that sell long-term care insurance, but long-term care insurance has changed a tremendous amount from what it used to be.”

Hedberg may be contacted at kathyhedberg@ gmail.com or (208) 983-2326.

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SOLUTION, Page 8

REGIONAL SENIOR MEAL SITES Congregate meals aren’t being served in Idaho or Washington at the present time. Readers are advised to call to check if their local meal providers are offering a pickup option as states continue working to contain the coronavirus pandemic.

(208) 743-6983, meals at noon on Mondays, Tuesdays and Wednesdays.

meals at noon Mondays, Wednesdays and Fridays.

Moscow Senior Center 412 E. Third St., Moscow, (208) 882-1562, noon Tuesdays and Thursdays.

325 SE Paradise St., Pullman, (509) 338-3307, meals at 11:45 a.m. on Mondays and Fridays.

Nezperce Senior Citizens

Cottonwood Community Hall

Riggins Odd Fellows Building

501 Cedar St., Nezperce, (208) 937-2465, noon on Mondays and Thursdays.

121 S. Lodge St., Riggins, (208) 628-4147, noon on Tuesdays.

Orchards United Methodist

Spud Hill Seniors

506 King St., basement, Cottonwood, (208) 792-2465, meals at noon Tuesdays.

Craig Mountain Senior Center

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413 Nezperce St., Winchester, (208) 924-6581, noon Wednesdays.

1213 Burrell Ave., 401 Line St., Deary, Lewiston, (208) 743-9201, (208) 877-1717, meals at meals at noon on Mondays, noon on Tuesdays.

Tuesdays and Wednesdays.

Grangeville Senior Center

Orofino Senior Center

108 Truck Route, Grangeville, (208) 983-2033, meals at noon on Mondays, Wednesdays and Fridays.

930 Michigan Ave., Orofino, (208) 476-4238, meals at noon on Tuesdays and Fridays.

Kamiah Senior Center

Pomeroy Senior Center

125 N. Maple St., Kamiah, (208) 935-0244, meals at noon on Mondays, Wednesdays and Fridays.

695 Main St., Pomeroy, (509) 843-3308, meals at noon on Mondays, Wednesdays and Fridays.

Juliaetta-Kendrick Senior Citizens Center

Palouse Senior Meals

104 S. Sixth St., Kendrick, (208) 289-5031, meals from noon to 1 p.m. on Wednesdays and Fridays.

Lewiston Community Center 1424 Main St., Lewiston,

220 E. Main St., Palouse, (509) 878-2301, meals at noon on Wednesdays.

Potlatch Senior Citizens Potlatch Senior Citizens Meal Site, 645 Pine St., Potlatch, (208) 875-1071,

United Methodist Church

313 Second St., Asotin, (509) 758-3816, meals at 11:45 a.m. on Tuesdays, Thursdays and Fridays.

Valley Community Center 549 Fifth St., Clarkston, (509) 758-3816, noon Tuesdays, Thursdays, Fridays.

Weippe Hilltop Senior Citizens Center 115 First St. W., Weippe, (208) 435-4553, meals noon Mondays and Thursdays.

Pullman Meals on Wheels (509) 397-4305.

Valley Meals on Wheels (208) 799-5767.

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GOLDEN TIMES

T U E S D A Y, A P R I L 6 , 2 0 2 1

SUNDAY

MONDAY

TUESDAY

VALLEY MEALS ON WHEELS — APRIL MENU HOT: Goulash/ broccoli and cauliflower SACK: PBJ/fresh veggies/vanilla pudding

11

HOT: Tater

18 tot casserole/

noodles/corn SACK: Ham/potato salad/krisped-rice treat HOT: Chicken

25 cordon bleu/

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

HOT: Ribs/baked HOT: Teriyaki HOT: Tuna nooHOT: Spaghetti 9 ’n’ meatballs/ 8 dle casserole/ 7 chicken/brown beans/corn rice/peas garlic broccoli green beans SACK: Tuna salad sandwich/green salad/ SACK: Roast beef sand- SACK: Ham sandwich/ SACK: Egg salad/spinfruit cobbler wich/potato salad/gelatin pea salad/cake ach salad/tangerine

HOT: Chicken-

10 fried steak/

6

HOT: Beef pot

12 roast/veggies

HOT: Turkey tet-

HOT: Stuffed

HOT: Penne

HOT: Chicken pot

13 razzini/squash

15 Bolognaise/peas

14 pie/green beans

16 peppers/corn-n-

red peppers SACK: PBJ/cottage cheese/gelatin

’n’ tomatoes SACK: Turkey SACK: HamSACK: Egg salad/ SACK: Roast beef sand- macaroni salad/lemon sandwich/gardensalad/ turkey sandwich/ Lorna Doone cookies coleslaw/applesauce wich/chips/cookies mousse HOT: Roast

19 turkey/mashed

potatoes SACK: Krab salad/ spinach salad/orange HOT: Chicken

26 alfredo tortelli-

ni/broccoli corn SACK: PBJ UncrustSACK: Turkey salad/ veggie salad/applesauce able/chips/fruit salad

HOT: Meatloaf/

HOT: Spa-

20 mashed pota-

HOT: Pork loin/

21 ghetti/roasted

HOT: Green chili

23 casserole/rice/

22 roasted reds/

toes/corn mushrooms green beans SACK: Pastrami/carrot- SACK: Dill chicken sal- SACK: Roast beef/cotraisin salad/pudding ad/cucumbers/brownie tage cheese/pears HOT: Broccoli-rice

27 casserole/veggies SACK: Hampastrami/potato salad/ brownie

HOT: Buttered

28 beef/noodles/

mixed veggies SACK: Krab salad/ salad/tangerines

veggies SACK: Krab salad/veggie salad/Oreo cookies HOT: Chicken

17 tenders/brocco-

li/mac-n-cheese SACK: Tuna salad/veggie salad/cake HOT: Beef stro-

24 ganoff/squash ’n’

cauliflower tomatoes SACK: Turkey sandwich/ SACK: Egg salad/tomatopasta salad/cookies bread salad/gelatin fluff

mixed veggies SACK: Chicken salad/ veggie salad/cobbler

HOT: Ham/ scalloped potatoes/carrots SACK: Roast beef/ beet salad/cookies

HOT: Salisbury

HOT: Pork chops/

29 mac-n-cheese/

1

30 steak/roasted

reds/peas SACK: Tuna/veggie salad/lemon mousse

Meals from Valley Meals on Wheels are delivered to established clients between 11 a.m. and 1 p.m. 365 days of the year, with delivery guaranteed by 1 p.m. each day. Individuals can have a hot meal delivered to their residence for $3.50 per day or a hot meal and a sack lunch for $4.50 per day.

More information is available by calling (208) 799-5767. Menus are prepared by St. Joseph Regional Medical Center and are subject to change.

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GOLDEN TIMES

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LEWISTON SENIOR NUTRITION PROGRAM — When: Noon, Mon./Tues. and 11:30 a.m. Wed. • Where: Pickup available at Lewiston Community Center, 1424 Main St., or call for delivery at (208) 743-6983. • Cost: $4 suggested for seniors 60 and older; $5 for nonseniors • Note: Menu is subject to change.

6 Spaghetti/hot veggies/

M

more at 11:30 a.m.

W

T

12 Tuna tetrazzini/hot veggies/salad/

13 Chicken-fried steak/hot

veggies/salad/fruit/bread

14 Ham and more at 11:30 a.m.

19 Biscuits ’n’ gravy/hot veggies/salad/

20 Hamburger/hot veggies/ salad/fruit/bread

21 Chicken fajita and more at 11:30 a.m.

26 Teriyaki chicken/hot veggies/salad/

27 Stuffed peppers/hot veggies/ salad/fruit/bread

28 Chicken salad sandwich

fruit/bread

fruit/bread

fruit/bread

SENIOR MEAL MENUS FOR APRIL

7 Roast beef and

salad/fruit/bread

and more at 11:30 a.m.

SENIOR ROUND TABLE NUTRITION PROGRAM — When: Noon, Tues./Thurs./Fri. • Where: Pickup is available at the Valley Community Center, 549 Fifth St. No. F, Clarkston, or call for delivery at (509) 758-3816. • Cost: $4 suggested for seniors 60 and older; $7 for nonseniors • Note: Menu is subject to change.

6 Breakfast casserole/veggie medley/pickled

M

T

beets/fruit cocktail/pudding with wafers 13 Tater tot casserole/broccoli/fruit gelatin/ cookie

W

20 Spaghetti/sunshine carrots/green salad/

peaches/Texas toast

27 Roast pork/mashed potatoes/baby carrots/ juice/roll/cake ’n’ ice cream

8 Chicken casserole/peas/pickled

9 Ham ’n’ bean soup/salads/hard boiled egg/

15 Chicken-fried steak/mashed potatoes/

16 Hot dog/hash brown casserole/coleslaw/

22 Salisbury steak/mashed pota-

toes/corn/apple crisp/roll

23 Home-style chicken noodle soup/pasta salads/seafoam salad/Texas toast

29 Baked chicken/stuffing/veggie medley/veggie gelatin/pearsauce

30 Hamburger with fixings/baked beans/pina colada fluff/chips

TH

beets/diced apples/roll

cottage cheese with peaches/cornbread

corn/pears/cook’s choice dessert

F

chips/orange dreamsicle salad

MOSCOW SENIOR NUTRITION PROGRAM — When: Noon, Tues./Thurs. • Where: Pick up at the 1912 Center, 412 E. Third St., or call for delivery (208) 310-3779.

• Cost: $5 suggested for seniors 60 and older; $7 for nonseniors. • Notes: Menu is subject to change. • Online: users.moscow.com/srcenter.

M

T

6 Pork chop/brown rice/seasoned veggies

TH

8 Veggie lasagna/garlic bread/peaches

W

13 Beef stew/apricots/whole wheat roll 20 Cabbage roll/biscuit/pineapple 27 Baked salmon/brown rice/carrots/pears

15 Burrito/pico de gallo/mexican rice/pears 22 Chicken ’n’ rice/veggie blend/apricots 29 Chili mac/cauliflower/pineapple

F

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T U E S D A Y, A P R I L 6 , 2 0 2 1