Your FREE copy! THE NORTHWEST’S OLDEST AND LARGEST PUBLICATION FOR OLDER ADULTS
SOUTH VALLEY | SEPTEMBER 2019
Confused about care? Explaining the differing levels of continuing care in retirement pg.
12
Celebrate Grandparents Day! Sunday, Sept. 8
Time to de-clutter You’ll be glad you did it now pg.
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Senior Living that embraces all levels of care. As a Campus of Care™, we offer a wide range of amenities plus a care team that is at your fingertips 24 hours a day.
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3760 Clarey St., Eugene evergreeneug.com | 541.607.9525 2 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019
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3720 Clarey St., Eugene evergreenmceug.com | 541.689.3900
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Timber Pointe SENIOR LIVING 4865 Main St., Springfield timberpointesl.com | 541.284.2865
4851 Main St., Eugene woodsidesl.com | 541.747.1887 SOUTH VALLEY | SEPTEMBER 2019 NORTHWEST 50 PLUS 3
OUR SEPTEMBER ISSUE
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SOUTH VALLEY | SEPTEMBER 2019
Superhero
16 advertiser directory 90 Day Meds — 24 Bayberry Commons Assisted Living — 17 Catalano Law, P.C. — 15 Classic Moving — 15 Community Health Centers — 19 Compass Senior Living — 2-3 Corvallis Fall Festival — 11 Eugene Coin & Jewelry — 13 Eugene Health/Wellness Expo — 7 Florence Festival of Books — 4 iCanConnect — 14 James Heating & Air Conditioning — 15 KGAL/KSHO Radio — 11 Leaf Guard — 23 Lumina Hospice & Palliative Care — 15 Majestic Theatre — 19
Major Family Funeral Home — 20 Mobility Access Options NW — 15 NW Financial Insurance — 15 Patty Starr — 8 Quail Park Memory Care — 9, 17 Rick Harris Contractor & Handyman — 15 Ron Bush–Equinox Real Estate — 8 St. Vincent de Paul — 21 St. Vincent de Paul-Aster Apartments — 13 Terpening Terrace — 17 The Jewelry Girl, LLC — 21 The Shedd Institute — 5 Timberhill Place — 13, 17 Waverly Place Assisted Living — 17, 19 Willamette Springs Memory Care — 12
Northwest
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VOLUME 22 | NUMBER 9
OREGON’S OLDEST & LARGEST 50+ PUBLICATION 3 Editions serving adults aged 50 and older Portland-Metro-Vancouver, Marion-Polk-Coast, South Valley: Linn-Benton Lane P.O. Box 12008, Salem, OR 97309 4923 Indian School Rd. NE, Salem, OR 97305 503-304-1323 | 1-877-357-2430 | FAX 503-304-5394 info@northwest50plus.com Northwest50Plus.com Subscriptions $26/year | $49/2 years
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9th Annual Florence Festival of Books
Friday
September 27–28
FREE panel discussion: “The Ins and Outs of Publishing” 3-4:30 p.m. Keynote speaker: Bob Welch, 7 p.m. Friday ($8/advance, $10/door)
JOAN RILEY Advertising Sales, Portland-Metro joan4freedom@comcast.net LARRY SURRATT Advertising Sales, Portland-Metro-Vancouver lsurratt@northwest50plus.com Printed by Eagle Web Press, Salem, OR
Saturday
FREE Book Fair with 80 authors & publishers, 10 a.m. to 4 p.m.
Florence Events Center, 715 Quince St. • FlorenceFestivalofBooks.org 4 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019
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NORTHWEST LIVING | CHRONIC CONDITIONS
A caregiver’s
journey
AN INTERVIEW WITH SUSAN JONES
C
ARING FOR A LOVED ONE with dementia can be challenging and at times, overwhelming. Currently, more than 16 million Americans provide unpaid care for people living with Alzheimer’s or other dementias. Salem resident and former caregiver Susan Jones cared for her partner Elizabeth for 12 years — from her diagnosis of Parkinson’s with dementia until her death. She shares her personal caregiving insights and tips below: What was it like caring for Elizabeth over the course of her disease? I was with her through all the changes and stages of the disease. At first, the accommodations we made were easy. We did things more slowly, repeated more, equipped our home with appliances that made it easier to get up, walk, take a bath, etc. As time went on, Elizabeth’s needs grew. I had to help her with everything and take care of all the chores we shared before. I resented my lack of independence when she needed someone with her all the time. Elizabeth suffered her own illness plus having a caregiver with a rotten disposition. Through the help of meditation, talking with friends and going to support groups, I grew up sufficiently
to begin to see our shared experience as an opportunity to grow and to love each other like we wanted to. What do you wish your friends Susan Jones and family knew about caring about someone with Alzheimer’s or another dementia? Firstly, it is a devastating loss for the person with dementia. Devastating in that they feel like they are losing their mind. This triggers fear of losing their independence, of being a burden, of being “put away” by their loved ones, and of dying or living a life that is worse to them than dying. Additionally, while the person with dementia may have thoughts that are mixed up or nonsensical, they still have the same feelings and needs as before — to be listened to and responded to with kindness and care. Lastly, even though you love the person and are committed to caring for them until the end, this will be the hardest thing you ever do — and the hardest thing your loved one has ever gone through. You can do it, together, but you will need a lot of help and support. ☸ To read the rest of this compelling interview with Susan Jones, please visit northwest50plus.com.
The Shedd Institute www.theshedd.org - 541.434.7000
Shedd Theatricals 2019
September 13-29 www.theshedd.org/annie
2019-20 Season
Coming up next at The Shedd… 10.4 Dan Neal: Heartwood 10.5 Keb’ Mo’ 10.10-13 The Jazz Kings: Get Happy! 10.17 Los Lonely Boys 10.23 Scheinman/Miller: Parlour Games Sickafoose: Bear Proof 10.25-26 Evynne Hollens: From Pop to B’way 11.7 The Del McCoury Band 11.13 Rodney Crowell 11.19 Taj Mahal 11.20 Jesse Cook 11.22 A Night For Sight 2019
The Shedd Community Music School
The Shedd Choral Society Sundays at 6:30
SOUTH VALLEY | SEPTEMBER 2019 NORTHWEST 50 PLUS 5
NORTHWEST LIVING | AT HOME
is it time to move? By VA N ESSA SA LV I A
A
DO YOURSELF A FAVOR AND DE-CLUTTER NOW T SOME POINT, MOST OF US MUST DECIDE whether the home where we’ve lived, raised our families and created memories is still the right place for us.
That’s because life’s needs and circumstances change. Making the important decisions now about downsizing and decluttering will make a vital difference in your later years. However, for many of us, the thought of decluttering our many years of belongings is best relegated to the “I’ll get to it” list. But professionals say that once you start clearing out the clutter of accumulated belongings, you don’t miss it. Patty Starr of Let’s Get Started and realtor Ron Bush of Equinox Real Estate both provide services to help their clients work through the process of preparing to sell their home and move. After college, Bush worked with low-income older adults through the California welfare system, and later, while attending law school, received his California real estate license and embarked on a career in real estate-related law. This included landlord-tenant relationships, estate planning and transactions. He gained experience as a broker and property manager, among others. In Eugene, Bush co-founded Walker and Bush Real Estate, which became Equinox Real Estate in 2006. 6 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019
His personal experience with downsizing came when his mother had an accident. “We would try to talk to her about how she wouldn’t be able to stay in her home forever and her famous line was, ‘I’ll cross that bridge when I come to it,’” Bush says. “And when she came to that bridge, she crossed it, but she didn’t do it willingly or on her own terms.” Instead, Bush’s mother fell in the shower one morning and stayed there all day until her daughter checked on her — every family’s nightmare. “Then we were in crisis mode. How do you make good decisions in crisis mode?” he says. “Nothing was planned. We had no idea who was going to take care of her.” This experience was a strong impetus for downsizingeugene.com, a website Bush created to provide a clearinghouse of information for older adults and their families. It provides detailed information about the downsizing process and other aspects of aging. What he’s found as a realtor is that many older adults who contact him to sell their home really are not ready to sell and move. “When homeowners are much older, the selling process is not so much about the condition of the house,” Bush says. “You have a host of other issues involved. For example, how is the seller’s health? Are they mentally still OK? Can they physically handle packing and moving out?” When he walks into a seller’s home for the first time, he assesses what will make the home ready to sell. He may notice the landscaping has been neglected, or that the house is so full
of stuff that it’s not navigable for potential buyers to walk through. He also wants to know whether the seller has nearby family to help with the moving process. “We can’t really show the house unless the seller is ready and able to participate in the process mentally and physically,” he says. “The really crucial thing that we found is getting things lined up, getting prepared for what is going to happen and having a plan in place. Because if you don’t have a plan, if you just wait until the day the crisis comes and the paramedics are in the driveway, then will you start thinking about everything you need to do?”
De-cluttering
One challenge is the difficulty of sorting through and parting with our belongings. While Bush’s mother expressed regret about not planning ahead, she recognized that sorting through a household of stuff was overwhelming. Patty Starr, a professional
Patty Starr is a professional organizer and downsizer.
organizer and downsizer, understands this mental block. Starr previously worked in marketing at Cascade Manor retirement community, helping move in more than 100 residents. “They all had the same challenge in
common with moving from a larger home to smaller accommodations,” Starr says. “And every resident had the same problem that they brought too much and then they had to get rid of those items or realized they just didn’t quite fit. And that’s when I was introduced to downsizers and knew it was something I could do.” She formed Let’s Get Started last year to help guide her clients through the process of organizing, downsizing and moving. “A lot of my clients are near or above 80 years of age, so physically they simply need some help and some guidance with the process,” Starr says. “They haven’t moved in many years. In some cases, it’s been decades.” Her clients make their own decisions about the items they’ll keep, but she talks to them about the good feelings that come from letting something go. “A lot of people hold on to items just because they’ve been holding on to items,” she says. “There’s no need for the item. They simply are attached to it
SOUTH VALLEY | SEPTEMBER 2019 NORTHWEST 50 PLUS 7
Bush sees it from a practical perspective. “Be proactive, otherwise somebody else is going to make the decisions for you and it may not be the kind of decisions that you would like,” he says. “Do you want to be in control of your life? It’s about making sure that you are making the plans that you want to have happen.” Preparing your house to move takes a lot of effort, especially when you have accumulated items for many years. Downsizing experts can help you through the process.
because they’ve had it for so long.” Letting go produces a wide range of emotions, especially when someone rediscovers treasures, likely boxed up for years. “I can’t tell you how many times people open a box and I hear, ‘Oh my God, I haven’t seen that in 50 years,’”she says. “It’s really a process of being with them, supporting them and giving them the nudge that they need to stay on track.” If you’re facing the prospect of downsizing — to a smaller home, with your adult children or to a retirement community — contacting a downsizing professional for an onsite consultation can make the process much easier. She guides you through what is realistic and do-able, and maps out the necessary steps in preparing the home. Starr is there from start to finish, bringing packing materials and helping pack up the items the homeowner chooses to keep. She also works with a trusted moving company once it’s time to leave the home. “I just simply start in a room and we both just work until we’re both kind of pooped,” she says. The affordability and speed with which a downsizing move gets done really depends on how organized and prepared the client is ahead of time. Starr suggests taking a hard look at your items and not getting weighed down by them. “Clutter is visual noise,” she says. “And if you’re not surrounded by things that bring you joy, let them go.”
Reasons to declutter now rather than later
▶▶Decluttering leads to many positive feelings, including less guilt about having so much stuff to begin with. ▶▶When our homes are in disarray,
we may feel our thinking is noisy and disorganized. ▶▶Being organized means the things you need and want are right at hand ▶▶Decluttering can improve mental focus, sleep and energy. A sleep study found that those who sleep in cluttered rooms had more trouble falling asleep and experienced more rest disturbances. ▶▶It allows you to be in control of your possessions, rather than the other way around. ▶▶Your family will not have the daunting task of dealing with your items themselves. ☸
• Downsizing Real Estate Services for Seniors & their Families • Probate Real Estate Services to Settle Estates
Ron Bush
8 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019
541-514-1141
ronbush@equinoxrealestate.com downsizingeugene.com
Books on the coast I
YOU’RE INVITED TO THE FLORENCE FESTIVAL OF BOOKS T’S TIME ONCE AGAIN TO ATTEND ONE OF THE most popular book fairs in the state — the ninth annual Florence Festival of Books, Sept. 27 and 28 on the Oregon Coast.
The public has the chance to meet and chat with more than 70 authors and eight to 10 publishers. The event takes place at the Florence Events Center, 715 Quince St., from 10 a.m. to 4 p.m. The participating authors and publishers are a mix of returning and first-timers. They will sign and personalize any books sold. There is no charge to attend the book fair or the panel discussion. For all participants, it’s an opportunity for networking. For future authors with a manuscript or idea, it’s a great opportunity to connect with a publisher. The authors and publishers participating represent many
85708 LC QP MC Eugene_Northwest 50 MC Quote Ad.indd 1
genres — fiction, nonfiction, memoir, children’s books, fantasy, mystery, young adult, poetry and more. It’s a unique opportunity for early holiday shopping or to add to a personal book collection. Featured at 7 p.m. Sept. 27 is keynote speaker Bob Welch, an award-winning Register-Guard columnist, author of at least 20 books, and an inspirational Bob Welch speaker. Tickets are $8 in advance or $10 at the door. His latest book about high jumper Dick Fosbury, “The Wizard of Foz,” has become quite a sensation, and this event may sell out. Earlier on Friday, from 3 to 4:30 p.m., is a free panel discussion with prominent Northwest authors and publishers. The topic, “The Ins and Outs of Publishing,” is always a subject of interest to authors. Visit florencefestivalofbooks.org. To buy tickets for Bob Welch, call 541-997-1994 or 888-968-4086. ☸
3/29/19 8:46 AM SOUTH VALLEY | SEPTEMBER 2019 NORTHWEST 50 PLUS 9
NORTHWEST LIVING | YOUR HEALTH
confused about care? By M I C H E L L E T E
OUR GUIDE TO UNDERSTANDING THE DIFFERING LEVELS OF CONTINUING CARE
W
HEN CHOOSING A care facility for a loved one, the choices can be overwhelming. To gain a better understanding of the different types of facilities and levels of care, we turned to the Oregon Long Term Care Ombudsman Office’s consumer guide to choosing an assisted living or residential care facility. ASSISTED LIVING FACILITY (ALF) AND RESIDENTIAL CARE FACILITY (RCF) — These provide services to six or more adults and
people with disabilities living in homelike settings. They offer and coordinate services available on a 24-hour basis to meet the daily living, health and social needs of the people who live there. They provide person-centered care, which values personal choice, dignity, privacy, individuality and independence. Residents can direct their care and participate in daily decisions. Each has different types of licenses even though they offer very similar services. These settings offer personal care services, 24-hour care staff, medication management, health services and social activities. They are not nursing facilities as they do not offer continuous nursing care or complex therapy services provided by nursing and post-acute care rehabilitation facilities.
10 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019
However, they are required to have a registered nurse on staff or on contract who oversees and coordinates your health service needs but does not give hands-on nursing care. The main difference between ALF and RCF settings is whether they offer shared or private apartment spaces and rooms. All ALF residents have their own apartments with a small kitchen area and a private bathroom. Some RCFs may have residents share rooms, while others offer private rooms or apartments. Individuals move into ALF/RCF Educate yourself about the options available in continuing care communities, which range from independent living to skilled nursing care.
settings for more social interaction, to reduce their responsibilities, for safety and security, and for activities, health services and wellness offerings. All ALFs and RCFs must offer basic services. The rules require all ALFs and RCFs to provide you with the assistance of a caregiver, if needed, to help you with all activities of daily living, such as bathing, using the toilet, and getting in and out of bed, 24 hours a day. These services include: ▶▶24-hour supervision ▶▶Three meals a day in a group dining room ▶▶Modified special diets (such as low salt and reduced or no added sugar, simple texture changes, pureed food) ▶▶Personal care services (help with bathing, dressing, toileting, eating) ▶▶Medication management ▶▶Health care coordination by a nurse ▶▶Recreational and spiritual activities ▶▶Laundry and linen services, and/or washers and dryers ▶▶Housekeeping and upkeep for your room or apartment ▶▶Transportation coordination services ▶▶Intermittent behavioral supports INDEPENDENT LIVING — You live in an ALF or RCF, but you take care of yourself completely. If you fall, for example, you call the local fire department to help you. You eat in your own kitchen or pay extra to eat in the dining room. Living situations might be apartments, or cottages with up to three bedrooms. If you need personal assistance, you hire outside help from a private caregiver. ASSISTED LIVING — You choose the level of care you need, and often pay according to the services provided to you. You eat all meals in the dining room. Most utilities are paid for in your monthly fee. Rooms may be one or two bedrooms. SKILLED NURSING — More like a hospital setting, as you may be recovering from surgery and need someone to help you. You can receive antibiotics and wound care. CONTINUING CARE RETIREMENT COMMUNITIES — These settings offer living options grouped on a campus and often include independent, assisted living, residential care and nursing facilities. INDEPENDENT OR NON-LICENSED SENIOR HOUSING COMMUNITIES — These offer independent living options such as scheduled activities, housekeeping, meals and transportation services. Unlike ALFs and RCFs, these communities do not provide help with the activities of daily living, medication management or health care coordination. You can hire private caregivers to assist you in one of these settings. ADULT FOSTER/CARE HOMES — These are licensed single-family homes where staff provide care for up to five people and serve a range of needs in a home setting. NURSING FACILITIES — These facilities provide licensed 24-hour supervised nursing care. Caregivers must be certified nursing assistants. Nurses and certified nurse aids
Saturday & Sunday September 28th & 29th 47th Annual Festival 47th Annual Festival
Art || Food | Fun Art Food| Music | Music | Fun
Free Admission | Downtown Central Park
Free Admission | Downtown Free Admission | DowntownCentral Central Park Park
SOUTH VALLEY | SEPTEMBER 2019 NORTHWEST 50 PLUS 11
provide nutritional, therapeutic and personal care. MEMORY CARE COMMUNITIES (MCC) — These are specialized communities for persons with dementia and must be licensed and follow other rules specific to the care and services for people with dementia. MCC caregivers are provided with special training to better serve their residents. MCCs may be part of another building, or they may be free-standing communities. These settings provide space for people to walk either indoors or within the confines of a secured outdoor courtyard. Residents are encouraged to bring personal items such as bedding and pictures to make their rooms feel more like home. They also must have programs which include individualized nutritional plans, activities, support for behavioral symptoms and family support. ALFs and RCFs are licensed by the Department of Human Services. Licensing is a way to monitor the quality of care residents receive in ALFs and RCFs. Licensed communities must meet and maintain certain standards and are inspected every two years. Licensing survey reports should be publicly posted. If you don’t see a recent licensing survey, ask a staff member to tell you where it can be found. To learn more about a specific facility, visit ltclicensing. oregon.gov/facilities.☸
We Don’t Have Residents,
WE HAVE HEROES
Eugene Coin & Jewelry We buy sell coins, & estate jewelry Do& YOU havevintage hidden treasures?
in any hidden condition. DoGOLD YOU have treasures? Do YOU have hidde We buy any type of gold: new, used or broken,
DIAMONDS
Do YOU YOU have have hidde hidde Do
We buy all sizes & shapes. Price depends on quality, cut and size of diamonds.
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new, used or925 broken, in any We buy stamped sterling silver and condition. silver serving dishes and flatware.
in any any condition. condition. SILVER in We buy andWe sell collectible American and buybuy all sizes & shapes. COINS Do We sizes & international coins inhidden singleall pieces or collections. YOUPrice have treasures? &cutshapes. shapes. P quality,& buy allonsizes shapes. P DIAMONDS Wedepends
DIAMONDS quality, cut andorsize of size of diamonds. size of diam diam We buyStreet, anyand type of gold: new,97401 used broken, 1416 Willamette Eugene, OR quality, cut and size of diam GOLD in any condition.
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1416 Willamette Street, Eugene, O
Call or visit us today
541-497-9707 www.willamettesprings.com | 600 Mosaic Dr., Corvallis, OR 97333 12 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019
1416 Willamette Street, Eugene, O O Willamette Street, 14161416 Willamette Street, Eugene, OR 97401Eugene, 541-683-8445 541-683-8445 • eugenecoin@aol.com • eugenecoin.com •• eu 541-683-8445 •• eugenecoin@aol.com eugenecoin@aol.com eu
541-683-8445 • eugenecoin@aol.com • eu EUGENE’S LARGEST FULL SERVICE COIN DEALER - A FAMILY TRADITION SINCE 1924
EUGENE’S LARGEST LARGEST FULL SERVICE COIN DEALER -- A Eugene’s largestFULL full SERVICE serviceCOIN coinDEALER dealer! EUGENE’S SERVICE COIN DEALER A FAMILY FAMILYTR TR EUGENE’S LARGEST FULL -A FAMILY TR A family tradition since 1924
PETS | CAT SAVES RESCUE
H adopt me APPLY NOW! St. Vincent de Paul is now accepting wait list applications for HUD Senior Housing.
Aster Apartments Senior Housing in Springfield
For persons 62 years or older Low income (rent is 30% of adjusted income) 1 bedroom/ 1 bath units • 3-Story high-rise with elevator Close to shopping & bus • Onsite laundry & community room Water/sewer/garbage & electricity included in rent There is currently a wait list for this property
APPLY AT: 2890 Chad Drive • Eugene, OR 97408 866-739-0867, contact Waitlist Dept @ 541-743-7164 • TTY/TDD 711 St. Vincent de Paul does not discriminate against any person on the basis of race, color, religion, sex, disability status, familial status, national origin or marital status in the admission or access to, or treatment or employment in, its federally assisted programs and activities.
ER STORY: SOPHIE WAS AN OWNER SURrender by her human momma, who was disabled and losing her home. The rescue took in four of the woman’s cats. Two cats were taken back when the woman found her own affordable housing. Sophie was the most timid and shy of the lot and the only who still needing a permanent home of her own. Her personality: Sophie is a very special cat. Don’t let that indignant look fool you. She likes to be at your side almost all the time. When you are not paying attention to her, she will tap you on your shoulder with her paw to give her lovings. In fact, if you take your hand away too soon, she will grab it back. She would be happy to be your lap kitty and loves to snuggle next to you at bedtime. Her environment: Peaceful indoor/outdoor. Could continue indoor/outdoor upon approval. Unknown how she is with dogs, but probably not interested. Her medical: Young senior female, estimate age 10. Very healthy and no known allergies. Annual conducted last November. She is spayed, vaccinated including FRCPV, rabies, and leukemia immunized, and tested negative twice for HIV/FELV/heartworm and microchipped. Dewormed and flea treated monthly. Contact Monica Hellwig, 541905-2833, or catsaves.monicahellwig@gmail.com. ☸
SOPHIE
Timberhill Place
Where Help is Always Available Should You Need It
Enjoy your own private apartment surrounded by your favoritie things. Meet new friends and get all the help you need from our qualified staff, 24-hours each day. Timberhill Place provides three delicious meals each day, weekly housekeeping and linen services, scheduled transportation, all utilities and a full range of personal services. All this in a beautiful building, with a monthly rent you’ll find surprisingly affordable.
Come discover Assisted Living at Timberhill Place! Call for more information and a personal tour.
SOUTH VALLEY | SEPTEMBER 2019 NORTHWEST 50 PLUS 13
NORTHWEST LIVING | YARD & GARDEN
Hens & chicks By G RAC E P E T E R S O N
THESE CENTURIESOLD SUCCULENTS ARE GARDEN PLEASERS
W
HAT GARDENER CAN resist a bed or bowl of “hens and chicks?” They have to be the most charming and unassuming plants in the garden, yet because they’re so common and easy to grow, they are often overlooked for the showier plants vying for the onlooker’s attention.
Scientifically termed Sempervivum, (semper = always, vivum = living), hens and chicks are native to the mountains of Europe and the Greek Islands and have been cultivated for centuries. Their multiple common names hint at their characteristics and usefulness throughout the ages: Houseleek, hen-and-chickens (or hen-widdies in the American South), Jupiter’s Eye (or Beard), Aaron’s Rod, and many more. Garden Design magazine gave them the moniker, “Always green on the roof.” Deemed “Thor’s Helpers” in Scandinavian countries, the plants were grown on roofs to guard homes from evil. Later, the Frankish King Charlemagne (742-814 CE) told his subjects to plant them on their roofs to ward off lightning strikes and fire. This makes sense given these succulents “Hens” and their “chicks” are actually succulent plants that are easy to grow, but not all of them can handle cold winters.
store water in their leaves as opposed to the traditional roof thatching that would immediately catch fire. Regarded as an herb of protection, luck, love and sexual prowess, in Dorset it was common practice to grow “Welcome Husband” by the front door so the plants would be the first thing a man would see when he returned from the fields. According to the DTL Herbs’ blog, hens and chicks have medicinal properties like those of aloe vera, although in weaker concentration, and the juice is harder to extract. Freshly pressed leaves and their juice may be used externally to soothe skin conditions including burns, wounds, insect bites, inflammations, hemorrhoids, eczema and fungal infections, as well as itchy and burning parts of the skin. Folklore also says they will remove warts and corns. Hens and chicks take between three to five years to reach maturity. During that time, the mother plant, (the hen) will “hatch” several identical, small plants (the chicks) that root and grow beside her. Because “she” is monocarpic, she will die after blooming, making room for her “chicks” to grow and reach maturity, continuing the cycle. Sempervivum tectorum and similar Jovibarba heuffelii are the most common hens and chicks genera with hundreds of interesting and colorful
14 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019
variations and an ever-growing number of hybrids. Their leaves sport a wide range of colors, from silver-blues to the darkest of purples, bright yellows, oranges and reds. Most of the plants show their best color in the winter and spring, morphing to green in summer before taking on the bright colors again in reaction to fall’s cooler weather. Sempervivum arachnoideum and Sempervivum pittoni are “hairy types” and in northern climates may rot from snow, so it’s best to grow them in pots that can be moved to sheltered location. Sempervivum arachnoideum or “cobweb houseleek,” is a smaller variety with very tight rosettes and interesting “cobwebbed” foliage. It does very well in a rock garden or pot. Be mindful to read labels when selecting hens and chicks (Sempervivum and Jovibarba) which are winter hardy down to Zone 5 (-10 to -20 degrees F). Here in western Oregon, we are Zone 8 (20 to 10 degrees F) so they should do fine. However, there are similar-looking succulent plants such as Aeonium and Echeveria that are not winter hardy and need to be brought indoors when our winter temperatures drop below freezing. It pains me to see winter hardy (safe) plants displayed together with winter tender (not safe) plants at big box stores where the uneducated will unwittingly grow them outdoors and be disappointed at their demise. ☸ P H OTO BY G RAC E P E T E R S O N
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“Being a recipient of the love that Lumina gives, has Moving people since 1989 Tamara Scoville helped me understand that “No Job too"With Small”Lumina itthere is aabout lot of ‘giving dignityup.’ to It was, ‘H wasn’t dying with peace, and dying can we make your life better? How can we impr Piano & Safe without pain.” Specialistthe quality of your life?’ And it was amazing." Call today to see how Serving all of canLumina help you.can help y Call today toLumina see how Scott Hahn
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SOUTH VALLEY | SEPTEMBER 2019 NORTHWEST 50 PLUS 15
NORTHWEST LIVING | YOUR HEALTH
be your own
SUPERHERO EMPOWER YOURSELF TO POSITIVELY MANAGE YOUR CHRONIC CONDITIONS
E
XPERIENCING AND MANaging chronic health conditions can be very hard and is sometimes overwhelming. Unfortunately, there are no quick solutions, leaving one wishing for a superhero to come save the day, Chronic diseases, such as high blood pressure, diabetes or anxiety are defined as a physical or mental health condition that last one year or more, require ongoing medical attention, and limit activities of daily living. Chronic diseases affect six out of 10 Americans, including 1.8 million Oregonians. The most common conditions include persistent pain, heart disease, depression, cancer, arthritis and stroke. Living with a chronic disease can be debilitating and draining. Without proper support and attention, the symptoms of chronic conditions can spiral into a vicious cycle. Physical or emotional pain can lead to fatigue,
which can lead to poor sleep, and then more stress, anxiety or depression. But support is available and with a little help you can develop your own superpowers to aid in managing your condition. The hardest superpower can be the ability to positively self-manage the symptoms from your chronic condition. Every superhero must start somewhere. Here are some tips that can empower you to be your best, super-self. Move and be active. Regular exercise is proven to improve your blood pressure, bone density, blood sugars and overall strength. It also aids in weight management, boosts confidence, and decreases feelings of stress and anxiety. Exercise does not need to be painful or exhausting. There are plenty of activities that can be helpful for you. Make sure to consult your health care professional to build an exercise plan that is both safe and fun. You are more than your disease. You are more than your pain, condition and symptoms. Your strengths and abilities should be your defining traits, not your condition. Focus your energy on the small pleasures in life. Continue
16 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019
to do the things you like and want to do, even if that means doing things differently or with some help. If you have the opportunity, give back to your community and volunteer. You have a lot to give and share. Create a support network. Having a chronic condition, you may feel isolated from others. Don’t let this keep you from your loved ones. By seeking support and resources you will feel more connected to others who may be going through a similar situation. It will also give you more power in managing your chronic condition. Become your own superhero and feel better. People who take the Living Well workshops spend fewer days in the hospital, have fewer emergency room visits, and they report feeling better. The Living Well workshops cover topics such as healthy eating, depression management, communication, pain and fatigue, sleep, the symptom cycle, making informed treatment decisions, problem solving, and action planning. To learn more or to register for an upcoming workshop, visit samhealth. org/HealthEdHub or contact Samaritan Health Education at 1-866-243-7747 or SHSHealthEd@samhealth.org. ☸
NORTHWEST LIVING | RETIREMENT LISTINGS
Amenities: Independent Living Assisted Living/RCF/Foster Care Housekeeping Transportation Utilities Included Planned Activities Memory Care Commons offers an active community Bayberry Commons Bayberry with experienced and friendly staff. We feel this Assisted Living & Memory Care Community 2211 Laura Street Springfield, OR 97477 541-744-7000 Patty Neuman, Administrator Pneuman@bayberrycommonsalf.com www.bayberrycommonsalf.com
aHTUPM Quail Park Memory Care 2630 Lone Oak Way Eugene, OR 97404 541-780-0162 www.QuailParkEugene.com/NW50
HTUPM Terpening Terrace
Resort Style Retirement 50 Ruby Avenue Eugene, OR 97404 541-689-0619 800-818-7518 Donna www.terpeningterrace.com
iHTUP Timberhill Place 989 N.W. Spruce Street Corvallis, OR 97330 541-753-1488 Robin Bemrose
aHTUP Waverly Place Assisted Living & Memory Care 2853 Salem Ave. SE Albany, OR 97321 541-990-4580 Chantelle Hernandez
aHTUPm
is your home and your privacy is paramount while under our care. We provide a unique resident based service helping to ensure your independence. We are an Assisted Living and Memory Care Community. No Buy-In. 48 Assisted Living units - Studio: $3,995, 1 BR: $4,595, 2 BR: $4,995. Second person: $800. 14 Memory Care units - Private BA: $5,495, Shared BA: $5,195. Units are available!
There are good reasons our residents and their families have chosen Quail Park Memory Care Residences of Eugene to call “home.” Our caring and personalized support for the health and well-being of our residents guides us each day. Located in beautiful Eugene, Oregon, our inviting Memory Care offers an enriching and peaceful retreat. Every detail has been thoughtfully planned as “The Only Place to Be” for Memory Care in Eugene, Oregon. Enjoy an independent lifestyle & unparalleled service; ALL-DAY dining, on demand transportation, activity & social programs, weekly housekeeping & linen service, private dining room, libraries, community kitchens, TV theater, fitness center, computer room, game rooms, beauty shop, rec. room, interior courtyard w/ walking paths, underground parking, & 24-hr. staffing. Call for a complimentary lunch & tour. No buy-in or long term lease, 94 Units , Luxury Studio, 1&2 Bedroom, Apartment Homes. Assisted living community located within short distance of local shopping center. We offer 3 delicious meals daily, weekly housekeeping & linen services, social/recreational programs, scheduled transportation in our van and a full range of personal services available should you need them. No Buy-In, 60 Units We offer 9 styles of apartments including 2 BR/2 BA apartments. Waverly Place is an elegant new state-of-the-art, 71-unit assisted living and 21-unit secured memory care facility which also houses our sister company, Wellness at Home, an in-home care agency. They provide services to residents and offsite. They can be reached at 541-990-0339.
No Buy-In, 92 Units Studio: $3200, 1 BR/1 BA: $3600 SOUTH VALLEY | SEPTEMBER 2019 NORTHWEST 50 PLUS 17
September 2019 THINGS TO EXPERIENCE BEFORE SUMMER ENDS
1—
YMCA’S DIABETES PREVENTION PROGRAM IN OCTOBER, Eugene Family YMCA, 2055 Patterson St., Eugene. Registration open until Sept. 30. 541686-9622.
3 — EUGENE CONCERT CHOIR AUDITIONS, 7 to 9 p.m., Emmaus Lutheran Church, 1250 W. 18th Ave., Eugene. 541-687-6865 or choir@ eugeneconcertchoir.org. MOSSBACKS VOLKSSPORT CLUB, 9:45 a.m., The Sportsman, 249 Hwy. 101, Florence. Mossbacks.org or 541726-7169 for information on more walks in September.
HOUSE, 1 to 4 p.m., Grace Center for Adult Day Services, 980 NW Spruce St., Corvallis. 541-754-8417.
DEMENTIA CONVERSATIONS, 10 a.m., Albany Senior Center, 489 Water Ave. 971-273-0643.
12 — FIND YOUR MOTION WITH
TECHNOLOGY 101: HISTORY EXPLORATION, 10 a.m., Willamalane, 215 W. Ct St., Springfield. $35/$42. 541-736-4444.
PARKINSON’S RESOURCES, an exercise sampler of four classes, 1:30 to 3:30 p.m., Waterford Grand Senior Living, 600 Waterford Way, Eugene. 541-345-2988 to register. HEARING LOSS ASSOCIATION, 7 p.m., Hilyard Community Center, 2580 Hilyard St., Eugene.
17 — INTRODUCTORY SPANISH, 3:45 p.m., Willamalane, 215 W. Ct St., Springfield. $72/$87. 541-736-4444.
19 — RETIRED SENIOR
WALK WITH EASE, 2:30 to 3:30 p.m. Tuesdays and Thursdays, Amazon Community Center, 2700 Hilyard St., Eugene. Pre-program info: 2:30 p.m. Aug. 27. Free. 541-682-4103.
PROVIDERS OF LANE COUNTY, “Hearts for Hospice” with Barbara Jacobs, 2 p.m., Sheldon Oaks Retirement, 2525 Cal Young Road, Eugene. Free. 541-342-1983.
4 — GAMES SAMPLER, 1 to 4 p.m., Campbell Community Center, 155 High St., Eugene. 25 cents per day. 541682-5318, getrec.org.
22
GENEALOGY II, 10 a.m., Willamalane, 215 W. Ct St., Springfield. $33/$39. 541-736-4444. HILLTOP BIG BAND, featuring Sherri Bird on piano and vocals, 7 p.m., Central Park, Corvallis. Free.
SUNDAY
SOLE SUPPORT WALK
5 — NEWCOMERS OF EUGENE/
Fundraiser for those living with Parkinson’s, 1:30 p.m., Alton Baker Park, Eugene. Solesupport.org or 800-426-6806.
SPRINGFIELD, 10 a.m., Westminster Presbyterian Church, 777 Coburg Road, Eugene. 541-844-1543.
14 — AAUW: “RETHINKING
CREATIVE WRITING WORKSHOP, 12:30 to 2:30 p.m., Campbell Community Center, 155 High St., Eugene. 25 cents per day. 541-6825318, getrec.org.
7 — SECOND ANNUAL AGING SUMMIT: OLD IS BOLDEMBRACING AGING, 8 a.m. to 12:30 p.m., Espiscopal Church of the Good Samaritan, 333 NW 35th St., Corvallis. Free. Gracecenter-corvallis.org.
8 — GRACE CENTER OPEN
ALZHEIMER’S ASSOCIATIONSPONSORED CAREGIVER SUPPORT GROUP, 3:30 to 5:30 p.m., Conifer House, 145 NE Conifer Blvd., Corvallis. Free. 541-757-2444.
MUSIC EDUCATION FOR LIFELONG PARTICIPATION” BY GINEVRA RALPH, 10 a.m., Westminster Presbyterian Church, 777 Coburg Road, Eugene. 541-556-8149. TRACING MEMORIES, 9:30 a.m., Willamalane, 215 W. Ct St., Springfield. $50/$60. 541-736-4444.
16 — PROTECTING YOUR IDENTITY, 6 p.m., Campbell Community Center, 155 High St., Eugene. $5. 541-682-5318, getrec.org.
18 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019
LUNCH AND LEARN: MUSIC OF HAWAII, noon to 2 p.m., Willamalane, 215 W. Ct St., Springfield. $33/$39. 541-736-4444. $17. 541-736-4444.
21 — (ALSO SEPT. 22) HARVEST TEA, Shelton McMurphey Johnson House, 303 Willamette St., Eugene. Smjhouse.org/teas. OREGON TRAIL LACEMAKERS, 10 a.m. to 1 p.m., Willamette Oaks Retirement Living, 455 Alexander Loop, Eugene. 541-484-1180.
22 — WALK TO END ALZHEIMER’S, noon to 3 p.m., Stewart Park, 1003 NW Stewart Park Dr., Roseburg. 541-230-9598. 23 — LANE COUNTY CHAPTER, National Active and Retired Federal Employees, “Habitat for Humanity,” with Jessica La Farga, noon, Sizzler Restaurant, 1010 Postal Way, Springfield. 25 — WILLAMETTE HIGH ALUMNI LUNCHEON, 1 p.m., Papa’s Pizza, Coburg Road, Eugene. AUTUMN PUMPKIN BREAD AND
BUTTER, 6:30 p.m., Willamalane, 215 W. Ct St., Springfield. $30/$36. 541-736-4444. ACRYLIC PAINTING PARTY: FALL LEAVES, 6:30 p.m., Willamalane, 215 W. Ct St., Springfield. $32/$38. 541-7364444.
DANCING AT LUGHNASA
27 — (THROUGH SEPT. 28) FLORENCE FESTIVAL OF BOOKS FREE PANEL DISCUSSION, “The Ins and Outs of Publishing,” 3 p.m., Florence Events Center, 715 Quince St. Keynote speaker: Bob Welch, 7 p.m. $8/$10. Book Fair, 10 a.m. to 4 p.m. Saturday. Free.
By Brian Friel
Directed by Robert Leff Five Sisters, One Irish Summer, and The Boy Who Remembers Them All.
30 — THE CAREGIVER GUIDE, 2 to 3:15 p.m., Campbell
Sept. 27 - Oct. 6
Community Center, 155 High St., Eugene. Free. 541-6825318, getrec.org. ☸
$10 Opening Night Special!
TICKETS: $14-16
A e s c sisted Livin a l P y l r e v a g W
Calendar announcements must be submitted no later than the 6th of the month for events happening in the following month, to mte@northwest50plus.com.
Place Assisted Living y Whataour residents l r e v areW saying about us. Benton Health Center 530 NW 27th Street Corvallis, OR 97330 541-766-6835 East Linn Health Center 100 Mullins Drive, A-1 Lebanon, OR 97355 541-451-6920 Monroe Health Center 610 Dragon Drive Monroe, OR 97456 541-847-5143 Alsea Rural Health Center 435 E. Alder Street Alsea, OR 97324 541-487-7116 Lincoln Health Center 121 SE Viewmont Avenue Corvallis, OR 97333 541-766-3546 Sweet Home Health Center 799 Long Street Sweet Home, OR 97386 541-367-3888 Accepting New Medicare Patients www.bentonlinnhealthcenters.org Hours vary by location please call for an appointment.
“I like the cheerful and What our residents kind Staff. There was a time are saying about us. I couldn’t do anything for “I like the cheerful and myself but Waverly Place kind Staff. There was a time met allI my needs. I highlyfor couldn’t do anything recommend Place.” myselfWaverly but Waverly Place met all my needs. I highly recommend Waverly Place.”
(541) 990-4580
(541) 990-4580
Eloise H. - Resident Eloise H. - Resident
2853 SalemAve. Ave.SE, SE, Albany, OROR 97321 2853 Salem Albany, 97321 WaverlyPlaceALC.comEloise H. - Resident WaverlyPlaceALC.comEloise H. - Resident SOUTH VALLEY | SEPTEMBER 2019 NORTHWEST 50 PLUS 19
NORTHWEST LIVING | YOUR HEALTH
Learn something new A NEW STUDY SUGGESTS LEARNING MULTIPLE NEW TASKS INCREASES COGNITION IN OLDER ADULTS
L
EARNING SEVERAL NEW THINGS AT ONCE increases cognitive abilities in older adults, according to new research from UC-Riverside.
Building on lifelong learning research, previous studies have demonstrated the cognitive gains of older people learning new skills, such as photography or acting. But these skills were learned one at a time, or sequentially. For UCR researcher Rachel Wu’s study, researchers asked adults 58 to 86 years old to simultaneously take three to five classes for three months — about 15 hours per week, similar to an undergraduate course load. The classes included Spanish, learning to use an iPad, photography, drawing/painting, and music composition. The participants completed cognitive assessments before, during and after the studies to
gauge working memory (such as remembering a phone number for a few minutes); cognitive control (which is switching between tasks) and episodic memory (such as remembering where you’ve parked). After just 45 days, participants increased their cognitive abilities to levels like those of middle-aged adults, 30 years younger. Control group members, who did not take classes, showed no change in their performance. “The participants in the intervention bridged a 30-year difference in cognitive abilities after just six weeks and maintained these abilities while learning multiple new skills,” says Wu, an assistant professor of psychology. “The take-home message is that older adults can learn multiple new skills at the same time, and doing so may improve their cognitive functioning,” Wu says. “The studies provide evidence that intense learning experiences akin to those faced by younger populations are possible in older populations and may facilitate gains in cognitive abilities.” ☸
You know it’s important to never stop learning, but recent research has shown it can actually improve your brain’s cognitive abilities.
The University of California, Riverside is a doctoral research university, a living laboratory for groundbreaking exploration of issues critical to communities around the world. Visit ucr.edu for more information.
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www.MajorFamilyFuneralHome.com 20 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019
PUZZ L E A G E
The Jewelry Girl, llc Lisa Russell 541-556-9598 Free Appraisals ... I’ll come to you
BUY & SELL Gold • Silver • Scrap Silver Flatware Costume Jewelry Pieces & Parts Even Junk 25 years+ experience 2001 Franklin, #3 • Eugene
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SOUTH VALLEY | SEPTEMBER 2019 NORTHWEST 50 PLUS 21
Classifieds
CLASSIFIED AD RATES PRIVATE PARTY
25
$
Up to 20 words. $1.75 per extra word.
COMMERCIAL, REAL ESTATE
UNITS FOR RENT
CEMETERY PLOTS
HUD SUBSIDIZED UNITS for people over 62 and/or persons with disabilities is currently accepting applications for our one bedroom waiting list. We are committed to providing equal housing opportunities. All utilities paid. Briarwood Manor, 643 Manbrin, Keizer, OR 97303, 541928-2545.
BELCREST MEMORIAL PARK, SALEM. Adjoining plots Lot 1 & 2, Section 9, Block 45. Asking $6000 OBO for both. Retail price $5395/each. 757-619-5643.
CEMETERY PLOTS FRIENDSHIP ADS
BASEBALL & SPORTS MEMORABILIA wanted. Buying old cards, pennants, autographs, photographs, tickets, programs, Pacific Coast League, etc. Alan, 503-481-0719. CASH FOR GOOD CONDITION reloading equipment & supplies. 541-905-5453.
MISCELLANEOUS
WANTED: MOTORHOME OR TRAILER. Must be 1995 or newer. I have CASH. If needs work, that’s ok. 503-269-2947.
NEED A WILL? CALL Sal Catalano, “The Lawyer That Makes House Calls,” for an appointment in your home. 541-525-2884. Powers of Attorney-Advance DirectivesTrusts. www.CatalanoLawPC.com.
CASH FOR PRE 1980 sport & non-sport cards, model kits, comic books, pre 1960’s magazines. Private collector. 503-3137538.
DONATING STAINED GLASS CROSS. 8’x 6’ cross designed and built with materials 100 years old. Purple stained glass with oak frame. Call 503-304-1323.
DIABETIC TEST STRIPS WANTED. Paying top dollar! Free local pickup. Call Sharon, 503-679-3605.
40
$
Up to 30 words.
HOW TO SUBMIT AN AD: Mail your verbiage with payment to: Northwest50Plus, P.O. Box 12008, Salem, OR 97309 or email to classifieds@Northwest50Plus.com or call 1-877-357-2430.
I BUY VINYL RECORDS. Paying cash for rock, jazz, blues, soul, etc. Located in PDX area. Please call 323-301-5746.
55+ COMMUNITY, SALEM. Large club house, indoor heated pool & jacuzzi. 1440 sq ft, 3 bdrm/2 bath, HP, upgraded vinyl windows, 2 car carport, covered porch, corner lot. $650 space rent includes garbage. Great place to live. $59,900. Homes start at $29,900. Call Leon 541666-0406.
60
$
Up to 20 words. $2.50 per extra word.
WANTED
MFG. HOMES FOR SALE
*Punctuation not included in word count. Phone numbers count as 1 word. Ad must be in our office by the 6th of the month PRIOR to publication. Ads cover Vancouver, WA to Lane County.
FRIENDSHIP AD ABBREVIATIONS M = Male F = Female S = Single D = Divorced W = White A = Asian B = Black H = Hispanic J = Jewish C = Christian N/S = Non-smoker N/D = Non-drinker ISO = In Search Of
LTR = Long Term Relationship WW = Widowed White WB = Widowed Black WA = Widowed Asian WH = Widowed Hispanic LGBT= Lesbian/Gay/ Bisexual/Transgender
TO RESPOND TO A FRIENDSHIP AD: Write the number of the ad you are responding to on the OUTSIDE of the envelope and mail to: Northwest50Plus, PO Box 12008, Salem, OR 97309.
EQUAL HOUSING OPPORTUNITY
All real estate advertising in this magazine is subject to the Fair Housing Act which makes it illegal to advertise “any preference limitation or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or an intention to make any such preference, limitation or discrimination.” Familial status includes children under the age of 18 living with parents or legal custodians; pregnant women and people securing custody of children under 18. This magazine will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this magazine are available on an equal opportunity basis. To complain of discrimination, call HUD toll-free at 1-800-669-9777. Toll-free for the hearing impaired is 1-800-927-9275.
Coming in October
ide e u r G a e c r i a d c i e d Me 2020 M
Medicare Guide 2020 Your one-stop shop to
▶ Compare plans ▶ Find local insurance agents ▶ Get information on upcoming seminars
19
mber 07, 20
er 15 – Dece
lment: Octob
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$
Up to 20 words. $2.50 per extra word.
22 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019
CALL NOW for your FREE Estimate!
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1 Guaranteed not to clog for as long as you own your home, or we will clean your gutters for free. 2 Does not include cost of material. Expires 9/30/19 3All participants who attend an estimated 60-90-minute in-home product consultation will receive a $100 gift certificate. Visit https://www.restaurant.com/about/terms for complete terms and conditions and https:// www.restaurant.com for participating restaurants. Retail value is $100. Offer sponsored by LeafGuard Holdings Inc. Limit one per household. Company procures, sells, and installs seamless gutter protection. This offer is valid for homeowners over 18 years of age. If married or involved with a life partner, both cohabitating persons must attend and complete presentation together. Participants must have a photo ID, be able to understand English, and be legally able to enter into a contract. The following persons are not eligible for this offer: employees of Company or affiliated companies or entities, their immediate family members, previous participants in a Company in-home consultation within the past 12 months and all current and former Company customers. Gift may not be extended, transferred, or substituted except that Company may substitute a gift of equal or greater value if it deems it necessary. Gift card will be mailed to the participant via first class United States Mail within 10 days of receipt of the promotion form. Not valid in conjunction with any other promotion or discount of any kind. Offer is subject to change without notice prior to reservation. Expires 9/30/19. ⁴Must purchase with your Synchrony Bank credit card. Fixed monthly payments required equal to 2.5% of the highest balance applicable with this promo purchase until paid in full. Offer applies only to single-receipt qualifying purchases. No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full (within 18 months). If you do not, monthly interest will be charged on the promo purchase from the promo date. The fixed monthly payment will be rounded to the next highest whole dollar amount and may be higher than the minimum payment amount that would be required if the purchase was a non-promotional purchase. Depending on the purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotion purchase, except that the fixed monthly payment will continue to be required until the promotion is paid in full. For new accounts: Purchase APR is 26.99%. Minimum interest charge is $2. One-time account activation fee of $29 charged at time first purchase posts to account. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. Englert LeafGuard is not a lender or a broker. All financing is by third parties. Expires 9/30/19. LeafGuard operates as LeafGuard of Oregon in Oregon under OR LIC # 223377
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24 NORTHWEST 50 PLUS SOUTH VALLEY | SEPTEMBER 2019