Your guide to mature living, health, finances and lifestyle
This publication is sponsored by:
FITNESS • VOLUNTEERING • HOME CARE • HEALTH CARE • DENTAL CARE LOCAL SERVICES • FAMILY ISSUES • AGING IN PLACE • RETIREMENT A SUPPLEMENT OF THE NORTH KITSAP HERALD, PORT ORCHARD INDEPENDENT, CENTRAL KITSAP REPORTER, BREMERTON PATRIOT AND BAINBRIDGE REVIEW
TIME OF YOUR LIFE
Friday, September 19, 2014
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19410 8th Ave. N.E., Suite 102, Poulsbo • 360-779-1566 • 800-990-9116
Friday, September 19, 2014
TIME OF YOUR LIFE
Hearing problems in the workplace PENINSULA HEARING ■ 19319 7th Ave. NE, No. 102, Poulsbo, WA 98370 360-697-3061 www.peninsulahearing.com BY MEGAN NIGHTINGALE, AuD Peninsula Hearing
here is a lot of evidence out there to remind us to stay active, moving and socializing. Physical fitness immediately comes to mind when we think of staying active, but Dr. Megan staying mentally active Nightingale is also equally as of Peninsula important if not more Hearing so for long-term health benefits. It has been shown by researchers who study longevity that keeping connected to one’s family, home or work community is crucial to long term mental health and can help us avoid a myriad of long term health issues such as dementia, heart disease, diabetes and Alzheimer’s. There is now evidence that links hearing problems with the above-mentioned chronic conditions. Nothing interferes with staying close to family, friends or co-workers more than hearing problems. It is worth noting that 65 percent of people who have hearing problems are below retirement age. This has a significant impact in the workplace (source: NIDCD Health Statistics on hearing loss). A recent survey study done by the U.S. Department of Education notes that middle-aged (45-64) participants who had a hearing problem but no treatment (no hearing aids) felt that they were being passed over for promotion much more often that their normal hearing counterparts, OR their counterparts who had hearing problems but wore hearing aids. The study also found that those with unaided hearing problems were unemployed at a higher rate than their aided peers. Middle-aged to older working people with untreated hearing problems are
When a hearing problem affects one at work, there is usually little sympathy among co-workers and supervisors. also found to be three times more likely to fall at work as their normal hearing peers. When a hearing problem affects one at work, there is usually little sympathy among co-workers and supervisors. One reason may be that hearing problems are invisible. There is no outside visual evidence of an issue. Therefore, many suspect the hearing-impaired person of not paying attention or, worse, ignoring their co-workers or supervisor. Having a hearing problem can be very hard to self-identify in the beginning stages because our brain so easily adapts and compensates for it. Our brain works hard to find the right words that make sense, compare what a colleague says to what they have said before and uses other means to help us make sense of a conversation. I have personal experience with this. I have a hearing problem and I am in the
business! My hearing loss came on gradually starting in my 40s. I only noticed it in really noisy places where I struggled to hear someone across from me. But in my mid-40s, I found that I was second-guessing at what my clients were saying during a critical testing segment for identifying hearing problems and solutions. I had to ask people to repeat themselves. It was then I realized I was suffering from the same difficulty that I was helping people with in my career. My work was being affected, so I began to wear hearing aids right away, allowing me a firsthand knowledge of the advantages of the latest hearing aid technology. I can report from personal experience on how hearing technology works in both the workplace, at home and in social situations. If you find you are having more trouble lately hearing what your co-worker or
supervisor is saying, or if you find yourself exhausted at the end of the day from trying to hear at work, it is time to get a hearing test. Some physician’s offices will screen hearing and send you on for a comprehensive hearing evaluation if the screening shows a problem. Most health insurance plans will cover a comprehensive hearing test. Some require a physician referral to an audiologist. The most important thing to remember is that a hearing problem does not usually go away. The faster it is treated, the more natural one’s hearing will be both at work and at home. Don’t let hearing problems keep you from being your best at home, work or in your community. If you are interested in learning more about hearing or are interested in a hearing test, contact Peninsula Hearing at 360-697-3061 or 800-540-8698. We offer free hearing screenings. It’s easy, fast (1 minute) and fun.
Stay fit, and have fun, with local rec programs BAINBRIDGE ISLAND
The Bainbridge Island Metro Parks & Recreation District organizes a range of classes and events for people age 50 and older. Go to www.biparks.org or 206-842-2306 for dates, times and fees. CLASSES AND CLUBS ■ Astrology Club ■ Bainbridge Island Photo Club ■ Casual Spanish Club
Evergreen Singers French Conversation Club ■ German Conversation Club ■ Knitting Club ■ Liberation Laughter ■ Library/Waterfront Book Group ■ Sing-a-long GAMES ■ Bingo ■ Bridge ■ Chess ■ Cribbage ■ Mahjong
Pinochle Scrabble SPORTS ■ Co-ed softball ■ Petanque ■ Pickleball ■ Table tennis WELLNESS ■ Funtastic fitness ■ Line dancing ■ Morning exercise ■ Stay strong ■ T’ai Chi ■ Walk in the park ■ Yoga
TRIPS Oct. 4: Step back in time “Old Bainbridge” Oct. 25: Thrift shops of Sequim Nov. 8 and Dec. 6: Kitsap Mall holiday shopping Nov. 12-13: Harness Races at Fraser Downs Dec. 11: Bellevue Botanical Garden
The City of Bremerton has a variety of clubs,
classes and activities organized through the Bremerton Senior Center. Go to www.ci.bremerton. wa.us or call 360-473-5305 for dates, times and fees. CLASSES AND CLUBS ■ AARP Safe Drivers Program ■ Bremerton Art Guild ■ Coffee talk with Edward Jones ■ Computer lab ■ Craft Club with Sally ■ Drop-in Watercolors ■ Quilting Class
Woodcarvers GAMES ■ Bridge ■ Canasta ■ Cribbage ■ Mahjong ■ Ping Pong ■ Pinochle ■ Pool ■ Rummikub PERFORMANCE ■ Center line dancers ■ Spectapulars Dance Troupe ■
See FIT AND FUN, Page 4
TIME OF YOUR LIFE
Fit and fun
Local recreation programs make it easy to stay fit and have fun.
Continued from page 3 Sunshine Singers SPORTS ■ Badminton ■ Softball ■ Women’s indoor soccer WELLNESS ■ Aerobics ■ Footcare ■ Open ice skate ■ Jazz exercise ■ Tai Chi ■ Tap dance ■ Yoga TRIPS Oct. 2: Museum of Flight & Claim Jumper, Tukwila Oct. 7: Mystery trip Oct. 12: Teatro Zinzanni theater and brunch, Seattle April 10-17: Tuscany and the Italian Riviera
Friday, September 19, 2014
The Poulsbo Parks and Recreation offers day trips and workshops. Go to www.cityofpoulsbo.com or call 360-779-9898 for dates, times and fees. CLASSES ■ Self-Defense Workshop
Tenino March 10: Bill and Melinda Gates Foundation and the Chihuly Museum, Seattle March 23: Keepsake Cottage Fabrics and Martingale and Co., Bothell
for Seniors: Nov. 8, Jan. 31, March 7. TRIPS Oct. 3: LaConner Quilt and Fiber Arts Festival Oct. 11: Dungeness Grab and Seafood Festival, Port Angeles Oct. 16: Leavenworth in fall colors Oct. 21: Future of flight
aviation center and Boeing tour Oct. 30, March 19: Pyrex Museum and Kitsap Historical Museum Nov. 6: Seattle museums Nov. 13: IKEA and Brown & Haley outlet store, Renton Nov. 18: Popular thrift
stores in Seattle Nov. 24: Holidays at Wights and Molbak’s nurseries, Woodinville Dec. 6: Seattle Pops — Holiday pops with Cirque Musica Dec. 12: Hansville Ladies Aid Holiday Home Tour, Port Gamble and Hansville
Jan. 22: Northwest and Pike Street Market, KING 5 studio, Seattle Jan. 29: Theo Chocolate Factory, Seattle Feb. 3: Best breakfast in Tacoma and the Lemay Car Museum Feb. 14: Olympic Peninsula wineries — Red Wine and Chocolate Feb. 19: Maltby Cafe & Antiques, Snohomish Feb. 28: Rodgers and Hammerstein’s “Carousel” at the 5th Avenue Theater March 5: Wolfhaven in
Make a difference in your community As the Baby Boomer generation moves into retirement, its members bring with them a concentration of diverse and transferable professional skills they can leverage toward causes they care about. Volunteering provides boomers the opportunity to pursue interests that they may not have had time to do previously, and stay intellectually and physically engaged in community activities. Their new roles provide challenging and meaningful experiences that positively impact the community. Learn more about how you can make a difference in the Sept. 19 Kitsap Week.
Friday, September 19, 2014
TIME OF YOUR LIFE
You’re not just a patient, you’re family ANDERSON DENTURE & DENTAL CENTER ■ 19410 8th Ave. NE, Suite 102 Poulsbo, WA 98370 360-779-1566 www.andersondenturedental.com
ANDERSON DENTURE & DENTAL CENTER OFFERS THE FOLLOWING SERVICES: General/Cosmetic Dentistry ■ Crowns ■ Restorations ■ Surgery ■ Emergency care
t’s high praise when a competitor recommends your practice. Marian Trammell wasn’t satisfied with the work of her dentist in Port Hadlock, so her dentist recommended Anderson Denture & Dental. “My husband was having a problem with his dentures that needed special attention that our current dental company could not provide,” she said. “We are very happy with our decision to move here. It’s been a great experience all the way. “Last week, I chipped a front tooth because they were thinning. I called and they got me in within a few days and bonded the tooth to 100 percent satisfaction. It’s just super. I’m recommending them to a friend of mine who will need dentures soon.” Annette Murrell said she was “terrified” of going to the dentist – until she started going to Anderson Denture & Dental. “A coworker that goes there recommended I give them a try. She just had a baby and they even know the baby’s name,” Murrell said. “They really understand my fear and have a great tolerance for me.” Murrell had an emergency visit for a broken tooth. Soon after, she broke another tooth and needed another emergency visit. “They took me in right away,” she said. “I have never felt any pain during or after [treatment], even with only local anesthetic.” She doesn’t plan on changing dentists. “You go to the people who take care of you when you’re in a jam,” she said. The work environment is one of the reasons why Dr. Martin Messah joined the Anderson team on Nov. 1, 2013. The team at Anderson Denture & Dental strives to make patient visits a comfortable, relaxed experience — right down to the homey decor designed to enhance the atmosphere
Full and Partial Dentures ■ Specializing in immediate dentures ■ Same-day repairs and relines ■ Emergency care
The team at Anderson Denture & Dental strives to make patient visits a comfortable, relaxed experience. and to help patients feel comfortable. The dental assistants are known for their calm, assuring manner that helps put patients at ease. And office manager Wanda Anderson, a former counselor and psychologist, also helps put patients at ease before major dental treatment. “We know that getting major dental work is a big occurrence,” she said in an earlier interview. “We feel that concern and realize it’s a big step, psychologically and aesthetically.” Meet the staff Dentist Martin Messah’s family moved to the U.S. from Indonesia in 1998 during that country’s Social and Cultural Revolution. The family settled in Seattle’s Lake City. He graduated from UW in 2008 with a degree in biochemistry, earned his DDS at University of California, San Francisco in 2012, and completed a one-year internship in oral maxillofacial surgery at The Ohio State University. He traveled to Haiti in 2010, 2011 and 2012 as part of the Christian Medical & Dental Association team. “Doing mission work is life changing,” he said. “I empathize more with my patients. I try to feel what it is like on their side so I can make them as relaxed as possible.” The staff at Anderson Denture & Dental focus on
good dental health while giving people with missing or problem teeth a healthy, full smile. Denturist Bruce Anderson received his bachelor of science degree from Covenant College, Chattanooga, Tenn., and earned his diploma in denturitry from George Brown College. He studied for certification in denturitry at the University of Florida School of Dentistry, Idaho State University and the American Denturist Academy. Anderson grew up in the industry; his father was a denturist, a professional specializing in removable dental prosthetics. He worked in his father’s lab during his teenage years and summers between college semesters. “My dad was a master, and the skills he taught me have proved invaluable,” Anderson said in an earlier interview. After 40 years as a denturist, Anderson is a master in his own right. He designs custom dentures, paying close attention to how a patient smiles and speaks, the shape of the face, etc., and uses a natural complimentary color to match the original shade. The dentures he makes are so realistic “we have patients whose spouse or family members have no idea they wear dentures,” he said. Anderson enjoys his
work and its challenges. He especially enjoys chatting with his older patients and the invaluable history lessons from their experiences. “Many of my older patients are vignettes out of history,” he said. “My daily highlight is when patients share their experiences. They are my heroes.” Outside the office, his free time is spent enjoying his grandchildren and his many hobbies, including restoring and showing his 1951 Ford Victoria. Office Manager Wanda Anderson, wife of denturist Bruce Anderson, received her bachelor of science degree from Metropolitan State University of Denver in Denver, Colo., and a master’s degree from Illinois State University, in Bloomington, Ill. Earlier in her career, she worked as a school psychologist and as a marriage, family and children’s counselor. “The goal of our office is to help people have good oral hygiene and maintain their natural teeth. Oral hygiene affects the whole body,” she said. “The fact that we provide dental and denture services reflects the quality of care we want to provide. If we didn’t have both, a patient would have to be referred to two or three different providers. Anderson Denture & Dental’s range of services
is reflected in its patients — from children to age 101. Elaine Bowen, dental assistant, has been known to hold a patient’s hand to comfort them and put them at ease -- yet still have enough hands to assist the dentist. She has been dental assisting for more than 20 years and has been a member of the Anderson Denture & Dental team for 10 years. Minjee Fitzpatrick, dental assistant, has been a part of the team for almost six years. Her manner is described as “calm and assuring,” which is an asset and is especially comforting to each patient. She loves dental assisting and has a genuine desire to help make patients’ dental experience comfortable and pleasant. Vickie Thacker, financial, is described as a “super sleuth” in her
Financial options ■ Visa and MasterCard ■ Payment plans with no interest for up to six months ■ Extended payment plans ■ Most insurance plans accepted ■ Personal checks accepted ability to help each patient maximize their insurance coverage. She also completes the necessary insurance paper work, a relief for patients. She attended Christ the King Lutheran School, graduated from Central Kitsap High School, and attended Clatsop Community College in Astoria, Oregon. She moved to California to begin her career in the dental profession as an administrator, and returned to Washington in 2005 and joined the Anderson Denture & Dental team. Murrell gives Thacker and the office high praise. “There are no surprise fees and my bill is always lower than their ‘guesstimate,’ ” she said. “They really work hard to save me money.”
Full Line of Digital Hearing Instruments Bluetooth Connectivity Hearing Test Video Ear Inspections Accept most insurances L&I, Self Insured, and Federal Claims
Two Convenient Locations: BREMERTON 5971 St Hwy 303 NE Suite C2 (360)415-0421
PORT ORCHARD 1501 Piperberry Way Suite 121 (360)874-0953
TIME OF YOUR LIFE
Friday, September 19, 2014
Can you afford to live to 100? Here’s how As a retiree, how much income do you need from your investments? There’s ere’s an interesting no one “right” percentage statistic: Over the for everyone. Furthermore, past three decades, you shouldn’t have to rely the centenarian population solely on your investment in the United States has portfolio, because you grown about 66 may have other percent, accordsources — such ing to the U.S. as Social Security Census Bureau. and potentially Of course, this your employdoesn’t neceser-sponsored sarily mean that retirement plan you have a good — from which chance of living to draw income. to 100 — but the Nonetheless, your Jessie Nino possibility may investments can not be as remote play a big role in as it once was. providing you with the In any case, if you do plan income you’ll need during to retire in your mid-60s, retirement. and you are in good health, Many retirees depend on you may well have two, or fixed-rate investments for a even three, decades ahead good portion of their retireof you. ment income — so it’s a To enjoy this time to real challenge when interthe fullest — and to help est rates are low, as they prevent the possibility of have been for the past sevoutliving your financial eral years. Consequently, resources — you will need when you retire, you’ll to invest for income and certainly need to be aware growth throughout your of the interest-rate enviretirement years. ronment and the income
FROM JESSIE NINO For Edward Jones
you can expect from these investments. Longer-term fixed-rate vehicles may be tempting, as they typically offer higher rates than shorter-term ones, but these longer-term investments may have more price fluctuation and inflation risk than shorter-term investments. Ultimately, you’ll likely need a balance between short-, intermediate- and long-term fixed-income investments to provide for a portion of your income in retirement. While it’s important to invest for income, you can’t ignore the need for growth — because you won’t want to lose purchasing power to inflation. As you know, we’ve experienced quite mild inflation recently. But over time, even a low rate of inflation can seriously erode your purchasing power. To illustrate: If your current monthly costs are $3,000, they will be about $4,000 in 10 years with only a 3 percent annual inflation rate. And in 25 years at that same rate,
dimentia diabetes dizziness falling
“Many of us ignore the impact of health care costs because we just assume Medicare will pay for everything. But that’s not the case.” your monthly costs will have more than doubled, to about $6,200. To help protect yourself against inflation risk, you should consider having at least some investments that offer growth potential, rather than only owning fixed-income vehicles. And some investment vehicles, such as dividend-paying stocks, can offer both growth potential and current income. In fact, some stocks have paid, and even increased, their dividends for many years in a row, giving you not just income, but rising income. (Keep in mind, though, that companies are not obligated to pay dividends, and can reduce or discontinue them at any time.) To determine the right mix of growth and income vehicles for your individual needs, consult with a financial adviser who is familiar with your retirement plans, your risk tolerance and your family situation. And it may well be a good idea to plan for a very long retirement. You may not live to be 100 — but it would be a good feeling to know that you could afford to do so.
Prepare for your health care costs
s you save and invest for retirement, what are your ultimate goals? Do you plan
on traveling the world? Purchasing a vacation home? Pursuing your hobbies? People often think and plan for these costs. Yet, too often, many of us overlook what potentially could be a major expense during our retirement years: health care. By preparing for these costs, you can help yourself enjoy the retirement lifestyle you’ve envisioned. Many of us may ignore the impact of health care costs because we just assume Medicare will pay for everything. But that’s not the case. In estimating health care costs during retirement, you may find that $4,000 to $6,000 per year per person for traditional medical expenses is a good starting point, although the amount varies by individual. Furthermore, this figure does not include the costs of long-term care, which can be considerable. To illustrate: The national average for home health aide services is nearly $45,000 per year, and a private room in a nursing home is nearly $84,000 per year, according to a recent survey by Genworth, a financial security company. So what can you do to help cope with these costs? Here are a few suggestions: ■ Estimate your costs. Try to estimate what your out-of-pocket health care costs might be, based on your health, your age at retirement, whatever supplemental insurance you may carry and other factors. ■ Know the key dates. Things can change in your life, but try to identify, as closely as possible, the age at which you plan to retire. This will help you spot any coverage gaps before you become eligible for Medicare at age
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65. Also, be aware of the seven-month window for enrolling in Medicare, beginning three months before your 65th birthday. ■ Review your insurance options. Medicareapproved insurance companies offer some other parts to Medicare, including Part D, which covers prescription drugs; Medigap, which covers gaps in Parts A and B (in-hospital expenses, doctor services, outpatient care and some preventive services); and Part C (also known as Medicare Advantage, which is designed to replace Parts A, B, Medigap and, potentially, part D). You have several options for Part D, Medigap and Medicare Advantage, each with varying coverage and costs, so choose the plans that best fit your needs. (To learn more about Medicare and supplemental insurance, go to www.medicare.gov.) ■ Develop a long-term care strategy. To meet long-term care costs, you could self-insure or purchase insurance coverage. To learn about long-term care insurance solutions, contact your financial adviser. ■ Invest for growth and rising income. Health care costs typically rise as you move further into retirement, so make sure that a reasonable portion of your assets is allocated to investments with the potential for both growth and rising income. ■ Think about health care directives. If you were to become incapacitated, you might be unable to make health care decisions — and these decisions may affect not only your quality of life but also your financial situation, and that of your family. Talk to your legal advisor about establishing a health care directive, which allows you to name someone to make choices on your behalf. Health care costs during your retirement may be unavoidable. But by anticipating these costs, you can put yourself in a position to deal with them — and that’s a healthy place to be. This article was written by Edward Jones for use by financial adviser Jessie Nino. 19740 7th Ave. NE, Suite 114, Poulsbo 98370. 360-779-6450. jessie.nino@ edwardjones.com
Friday, September 19, 2014
TIME OF YOUR LIFE
Having a ‘forever home’ starts with common sense BY AARON D. MURPHY ADM Architecture
ighty-nine percent of those polled by AARP favor staying in their home as they get older as a first priority. What are the best ways we can do that?
Stairs with carpets are notorious for coming loose over time. Keep your stair carpet tightly affixed. Creative Outlet
on the third step of the stairs for the next time you go down to the garage, it could be forgotten and send you directly from the third step to the bottom step. That minor oversight could turn a trip to the recycling bin into a trip to the E.R. Pick up and put up your things so they aren’t in your walking spaces and routes of travel.
Each year, thousands of older Americans fall at home. Many of them are seriously injured ■ Stairs and thresholds: and some are disabled. In 2002, Since we are talking “better more than 12,800 people over on a budget,” I won’t go into it age 65 died and 1.6 million were here about how much cheaper treated in emergency departAaron D. a stair or even an elevator in ments because of falls. OneMurphy your home is versus a slip or third of people older than 65 fall fall and cost of moving into each year; one half of those falls assisted living or a nursing are recurrent, and 1 in 10 falls result in home for the months/years ahead. serious injury or death. Eighty-seven Here, I want to think maintenance and percent of elder fractures are due to upkeep. falls. Stairs with carpets are notorious Falls are often due to hazards that for coming loose over time. The angle are easy to overlook but easy to fix. and speed the installers staple into the Let’s take a common-sense review of treads and riser corners (especially the your home. back interior corner) lead to attachments that aren’t fully sunken in and ■ Furniture layout: Is the path in secure. A loosening carpet can cause your home un-necessarily circuitous your next step to miss a stair tread, and to get through and around the pieces you’d be at the bottom sooner than you of furniture? Are there furniture legs intended. Wood stairs are slippery to and arms that stick out into the easiest many of the warm socks and slippers route of travel through the home? Fix it. Make moving around in your home a older folks like to wear for warmth, and that can be a safety issue as well. Keep clear, wide, and intuitive path. your stair carpet tightly affixed. ■ Rugs: Loose rugs are one of the ■ Floors and moisture: Overly top fall culprits. That 24 by 42 rug that smooth floor finishes (hardwoods, lays in front of the kitchen sink or just tile) and “wet rooms” are also regular inside the entry door can be the end of culprits to serious-injury falls. Keeping living at home if not careful and aware. your floor areas clear, and applications “Your favorite throw has got to go!” to the floor surfaces that help create ■ Drop zones: Ask my wife where some “grit” for traction where floor she finds things of mine when I’m on areas get wet, are crucial to keep us a deadline or distracted. I leave a trail safe in our home as we bathe and get of “set downs” — shoes on the stairs, ready in the bathroom and laundry planner on the dining room table, keys areas. and wallet on the window sill by the ■ Reaching and stability: Are you front door … you get the idea. We all do using things in your upper kitchen it, and so do our parents. cabinets that you need daily or weekly? The difference is that if you leave the Move them down. There is a cost alterpile of read sections of the newspaper native, which is equipment to retrofit
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your upper cabinets to come out and down to the user. Meanwhile, getting someone to help you re-organize your kitchen based on what you use most, so you aren’t reaching above your head or using a step stool as often, can go a long way to a longer and safer life at home.
Safety in your home goes a very long way toward staying in your home as you get older. There are a multitude of psychological benefits to making your home safe as well. It makes you feel in control. It makes you feel empowered. Taking charge of your future, and how you want your home to work and function for how you specifically use your own space is a key to the success of making your house your “forever home.” — Aaron D. Murphy, Architect, CAPS, is the author of “Aging in Place: 5 Steps to Designing a Successful Living Environment for your Second Half of Life,” available at Amazon.com and www.ADM-Architecture.com.
OPKC Offers Treatment Options Class If you have kidney disease and are facing possible
kidney dialysis, OPKC now offers a class which discusses your treatment options. The classes are
held on the 4th Tuesday of each month at 6:00 pm at the Bremerton dialysis center.
Please call 360 479-5908 to register
TIME OF YOUR LIFE
Friday, September 19, 2014
BEEN TO A GAME LATELY?
It has been proven that the sound level at our local stadiums can reach 130 decibals, the same level as standing next to a commercial jet taking off! The American Medical Association recommends anyone over the age of 55 have their hearing screened annually. When was the last time you had your hearing screened?
Call today for your FREE hearing screening! POULSBO
19319 7TH AVE, SUITE 102 - 360-697-3061
1136 WATER ST, SUITE 103 - 360-379-5458 TOLL FREE - 800-540-8698
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