Page 1

July 2017

Volume 5 • Issue 6

New gyms aim to offer affordable workouts BY ROBIN WOJTANIK for Senior Times

Longtime Cedars owners ready to retire

Page 3

Local fishing guides create excursions for all ages

Page 7

30-year-old shopping plaza gets updated look Page 9

save the date

Monday, July 10 6 p.m. Drums Along the Columbia Edgar Brown Memorial Stadium, Pasco

The availability of inexpensive fitness options is increasing in the Tri-Cities with the opening of COR Fit in Richland and the new Planet Fitness in Kennewick. Each gym is available to users on a month-tomonth basis, with no long-term contracts required. COR stands for “city of Richland” and is the new name of the expanded facility at the Richland Community Center. The city teamed up with the Richland Senior Association, matching the $1,600 raised for a gym expansion, to invest more than $3,200 into a remodeled space with added equipment. COR is located where the computer lab and a meeting room once were. By removing a wall, the two rooms were combined into one. While the meeting room was relocated elsewhere in the community center, the computer lab was eliminated altogether. The city felt the availability of computers at the Richland Public Library was sufficient for public use. The gym features two seated stepper machines, which are frequently in use.  Cloyd Bowers, 93, said he uses the seated stepper for about 20 minutes at a time, and hopes to eventually increase his ability to use the other equipment. “I know it’s good for my legs. It gets results because it keeps ’em going,” he said. Bowers said it’s typical to see four to five people in the fitness room at one time, mostly seniors. COR Fit has about 100 members and the prices are the same for Richland residents and non-residents. Each person pays $8 a month for use of the facility for a 30-day commitment. The gym is open during the same hours as the Richland Community Center: 8 a.m. to 9 p.m. Monday through Friday; 9 a.m. to 8 p.m. Saturday; and noon to 4 p.m. Sunday. uGYMS, Page 8

Karen Jarrett, owner of Sandy’s Fabrics and Machines, inspects the inner workings of one of the sewing machines at the downtown Kennewick shop. Sandy’s has remained relevant and successful at its location at 24 N. Benton St. by adjusting as the industry changed, Jarrett said. The store opened in 1977.

Technology stitches solid future for downtown Kennewick store BY ROBIN WOJTANIK for Senior Times

The transformation of sewing from a mother’s necessity to a high-tech hobby has kept Sandy’s Fabrics and Machines in business for 40 years. Today, most sewing projects have moved beyond garment making but Sandy’s shows no sign of slowing. The downtown Kennewick store is filled with computers that use a needle and thread. Shop owner Karen Jarrett pointed to a machine on a nearby table retailing for $15,000. 

Jarrett has many customers who own more than one of these devices. It’s all part of a new breed of sewers, which include a wide range of hobbyists and entrepreneurs, children and seniors. Sandy’s has remained relevant and successful at its location at 24 N. Benton St. by adjusting as the industry changed, Jarrett said. Sandy’s Fabrics opened in 1977 and expanded to machines in 1981. Jarrett said the watershed moment happened in 1994 when machines that could embroider came on the market. uSANDY’S, Page 2

Specialty builders look to the future when designing homes BY JESSICA HOEFER for Senior Times

As nearly 77 million baby boomers settle into retirement, many are concerned with more than just their bank accounts. Almost 70 percent of homeowners nationwide have made adjustments to their homes so they can live there longer, according to an AARP study called “Fixing to Stay.” It’s one of the reasons why Jennifer Kelly, co-owner of J&J Kelly Construction of Pasco, went through the certified aging-in-place specialist, or CAPS, program five years ago. The National Association of Home Builders offers the

certification. “A lot of clients who come to me are older,” she said. “We have the baby boomer generation, and they’re going into retirement. Tens of millions of people need homes they can stay in safely.” Kelly co-owns the business with her husband, Jeff, who handles land purchases and development while she manages residential custom homes. Not including the land, the company’s homes range from $360,000 to $800,000, Kelly said. The average customer is more than 55 years old. However, she does build for people in their late 30s and 40s.  uBUILDERS, Page 10

PLEASE DELIVER TO CURRENT Occupant

Senior Times 8919 W. Grandridge Blvd., Ste. A1 Kennewick, WA 99336

PRESORTED STANDARD U.S. POSTAGE PAID Pasco, WA PERMIT NO. 8778


2

Senior Times • July 2017

509-737-8778 509-737-8448 fax 8919 W. Grandridge Blvd., Ste. A1 Kennewick, WA 99336 srtimes.com

Staff Shawna Dinh

Design, Subscriptions 509-737-8778 ext. 4 ads@tcjournal.biz

Mike Haugen

Advertising Director 509-737-8778 ext. 2 mike@tcjournal.biz

Melanie Hoefer

General Manager 509-737-8778 ext. 5 melanie@tcjournal.biz

Kristina Lord

Editor 509-737-8778 ext. 3 editor@tcjournal.biz

Chad Utecht

Advertising Account Manager 509-737-8778 ext. 1 chad@tcjournal.biz Senior Times, a publication of TriComp Inc., is published monthly. Subscriptions are $21.67 per year, prepayment required, no refunds. Contents of this publication are the sole property of TriComp Inc. and can not be reproduced in any form without expressed written consent. Opinions expressed by contributors and advertisers do not necessarily reflect the opinions of Senior Times staff, other contributors or other advertisers, nor do they imply endorsement by Senior Times staff, other contributors or advertisers. Every effort will be made to assure information published is correct; however, we are not liable for any errors or omissions made despite these efforts.

Get the Senior Times every month in your mailbox Subscriptions: One year - $21.67 Two years - $34.70 Three years - $42.30 All prices include Kennewick sales tax.

To subscribe call 509-737-8778 ext. 4 or send your name, mailing address, and check payable to Senior Times to: 8919 W. Grandridge Blvd. Suite A-1, Kennewick, WA 99336

SANDY’S, From page 1 “It was like going from the rotary phone to the iPhone,” recalled Jarrett. Prior to that, Jarrett said the industry hadn’t changed much. She discovered these new machines bred a new interest in the craft, and her original store in Bend, Oregon, adapted right along with it.  Owning a machine and fabric store was a natural fit for Jarrett. “There wasn’t a time in my life where there wasn’t a (sewing) machine in my house,” she said. She learned to sew from her mother, and when she and her husband decided to explore owning a business, they visited the sewing machine stores in Bend.  They made an offer to one of the owners and within two to three years, a deal was in place. Years later the couple bought a second store there and combined the two under one roof. Jarrett said the sewing industry is small enough that she knows everyone in business west of the Rockies. Because of these connections, Ed and Karen Jarrett were some of the first to learn when Sandy’s Fabrics and Machines was for sale in 2012. They bought the business from Frank and Sandy Votaw and kept its original name and location.  The Votaws can still be found at the business they started in 1977. When the Jarretts take time off, Sandy works the retail counter and Frank fills in on machine servicing.

The ownership change hasn’t affected customer loyalty. One longtime customer is Peggy Kannberg, who is at the shop so often, she joked, “Sometimes I think I should move in.” Kannberg has been coming to Sandy’s since the early ’80s, and currently owns three machines she bought from the store. She said sewing has always been a hobby, after first learning the craft in a home economics class.  Kannberg is one of the hobbyists who didn’t learn to embroider until the technology changed in the mid-90s. She said she continues to try out new techniques for embroidery. “It’s a good way to keep up with technology. It stretches your brain,” she said.  Like Kannberg, Jarrett’s core customer base is retired and use the machines purely for hobby. But Jarrett said the increasing popularity to monogram or personalize items has resulted in local entrepreneurs taking on small projects — for weddings or family reunions — typically overlooked by larger embroidery companies who prefer orders in the hundreds.  Jarrett pointed to a 10-thread embroidery machine costing about $20,000. She said she has known a number of customers who bought the machine, started a small business and managed to pay off the machine and draw a profit in less than a year. Embroidery and quilting remain some of the most popular crafts among

Sandy’s customers. Jarrett said the act of garment-making nearly died out completely after it became increasingly possible to buy inexpensive clothes. Now, she sees the hobby making a comeback. With three millennials on staff, Jarrett said younger customers are being drawn into sewing and embroidery as well. The younger generation is often less traditional when it comes to quilting, and tends to gravitate toward appliques, monograms and personalized gift items.  Jarrett said new sewers aren’t learning the craft from a parent or grandparent either. She said these beginning sewers are more likely to be self-taught using online courses or watching howto videos on YouTube. For those looking to pick up the hobby, improve their skills, or graduate to new technology, Sandy’s offers a wide array of classes and includes training in the purchase of a machine.  Kannberg attends classes twice a month, on average. “Coming here is a big inspiration. You see something in the store and you are interested in a class to learn how to do it or how to make it.”  Classes include everything from how to use a machine and specific software to creating a project and improving techniques.  Kannberg said she appreciates the creative process of sewing and embroidery.  “You look at something and go, ‘I could do that,’ and you figure out how to do it,” she said.  Sandy’s keeps its website, sandysfabrics.com, current with a list of available classes and special events. The store recently hosted an instructor from Australia who came to Sandy’s first on a nationwide American tour called, “The Sewing Revolution.”  Another recent event focused on machine embroidery by Kimberbell. Sandy’s also will feature a class on vintage chic embroidery in July, and its annual quilting event is held off-site in October, with each attendee going home with four full projects.  Jarrett prides herself in keeping current with the industry, continually learning new techniques to share with customers.  A Zentangle quilt Jarrett created hangs on the wall of her shop includes embroidery, decorative stitches, plus pen and ink, but other designs may include doodling or scribbling to create art. She appreciates the challenge of trying something new and sees this frequently in her customers.  Jarrett said she sees many retired engineers, including men, who find the hobby keeps them engaged, especially embroidery.  Customers remain intrigued by the technology of today’s machines, which may include software costing $4,000.  uSANDY’S, Page 8


Senior Times • July 2017

3

Retirement prompts owners to put Cedars Restaurant on market BY JEFF MORROW for Senior Times

Dave Mitcham has been in the restaurant business for 45 years. He says that’s enough. Mitcham and his wife, Darci, have put Cedars Restaurant on the market after owning it for 11 years. The asking price for their waterfront restaurant on Kennewick’s Clover Island Inn is $2.62 million. Rob Ellsworth and Scott Sautell of SVN/Retter & Company are handling the sale. The Mitchams, who said they received a lot of interest from potential buyers, started thinking about an exit strategy a few years ago. “I wanted to get out about the time I turned 60,” said Dave Mitcham, who turns 62 this year and is a few years behind his goal. “My friends wonder how in the hell I’ve stayed in the restaurant business all of these years. I’ve done every position in this place. Darci is the office manager. (The restaurant business) is what I know.” Cedars is in the 12th year of a 35-year land lease with the Port of Kennewick. It sits on nearly a third of an acre with views of the Columbia River and cable bridge. The 8,600-square-foot restaurant was built in 1977. It was renovated in 1999 after a dumpster fire caused smoke and water damage. The renovation, which included work to make it compliant with the Americans with Disabilities Act, cost $2.25 million. Dave Mitcham grew up in the restaurant industry. He began working in a small north Idaho restaurant when he was 13 years old. At 15, he worked at Cedars Floating Restaurant in Coeur d’Alene as a dishwasher.  Ray Gillett, who owned six different Cedars restaurants at the time, kept moving him up the ladder into different positions, including cook, until finally sending the teen to the new Kennewick restaurant to be the kitchen manager in 1975. “(The Kennewick Cedars) was the last one he owned,” Dave Mitcham said. By 1983, Mitcham said, his boss had set up a profit-sharing program. He took his annual profit-sharing check and invested it for the next 20 years. In January 2006, the Mitchams bought their partner out and owned Cedars outright. He credits local banker, Rick Peenstra of Community First Bank, for taking a chance and loaning them the money. “He helped me out, and the rest is history,” he said. Dave Mitcham said Cedars is a well-

oiled machine. “This place is turnkey,” he said. A lot of that is thanks to his 43 workers. “I’ve got awesome employees,” he said. “Some have been with me for over 20-plus years. I also have a number of employees who have been with me for eight to 10 years. They like working here because it’s a friendlyfamily atmosphere, and they make good money.” He hopes whoever buys Cedars will keep all his staff. “My main concern is the employees,” he said. “Many of us have a close relationship. I’ve watched their families grow.” The strong employee base contributed to Cedars’ success over the years, he said. The average restaurant’s life span barely exceeds five years, with 90 percent of independently-owned restaurants closing down within the first year, according to Restaurantbrokers.com. At Cedars, besides strong employees and ownership, the restaurant has a loyal clientele, who come by either land or water. The restaurant has a dock where as many as 18 boats can tie up for dining on the two different decks and watch Tri-City sunsets, or venture inside to the large dining room and bar.

Darci and Dave Mitcham have owned Cedars Restaurant on Kennewick’s Clover Island since 2006. With retirement in mind, the couple recently put the iconic waterfront eatery on the market for $2.62 million.

“Families from out of town come here,” Dave Mitcham said. “People with anniversaries and birthdays come here. There are specific customers who I never see in the winter. But when the deck opens up, I will see them twice a week. “Then there are other customers who come in the winter who want to sit by the big fireplace (inside),” he said. Meeting and interacting with cus-

tomers will be one thing Dave Mitcham will miss when he retires. “I’ve met so many thousands of people,” he said. “Some of my best customers in the 1970s have brought their children here, and then brought their grandchildren here. A lot of them call me Grandpa Dave. I have hundreds of them here that do that.” uCEDARS, Page 15


4

Senior Times • July 2017

CALENDAR OF EVENTS TUESDAY, JULY 4

• Grand Old 4th Parade and Celebration: various times and locations in Pasco. Information 509545-3456. Free event. • River of Fire Festival: noon – 11 p.m., Columbia Park near the Regional Veterans Memorial, Kennewick. Contact 509-736-0510.

FRIDAY, JULY 7

• Lourdes Golf Classic: noon, Canyon Lakes Golf Course, 3700 W. Canyon Lakes Drive, Kennewick. Register 509-543-2412. • Retread Show & Shine: 4:30 – 8 p.m., Andy’s North Restaurant, 3321 W. Court St., Pasco. Free event.

SATURDAY, JULY 8

• In This Together Music Festival: 1 – 10 p.m., Prosser Wine & Food Park, 2880 Lee Road, Prosser. InThisTogetherMusicFestival.com.

MONDAY, JULY 10

• Drums Along the Columbia, a benefit for local high school music programs: 6 p.m., Edgar Brown Memorial Stadium, 725 N. 18th Ave., Pasco. Visit drumsalongthecolumbia.org.

THURSDAY, JULY 13

• Landscape Design Class, a WSU Extension Master Gardener Program: 6:30 p.m., Demonstration Garden, 1620 S. Union St., Kennewick. Information ext100.wsu. edu/benton-franklin. Free event.

• Asset Protection Estate Planning, presented by Elder Law Group: 6 – 7 p.m., Mid-Columbia Library, 405 S. Dayton St., Kennewick. RSVP 509-579-0206. Free event.

SATURDAY, JULY 15

• History though the Houses Walk: 9 a.m., corner of Wilson Street and Johnson Avenue, Richland. Contract 509-942-7390. Free event. • Wine Growers Trial Drive & BBQ Scholarship Fundraiser: 11 a.m. – 4 p.m., various locations. Tickets horseheavenhillswinegrowers.org. • 14th annual Art Walk & Wine Gala: 6 – 10 p.m., Sixth Street, Prosser. Contract 509-786-3177. • Sock Hop & Cruise In: 6 p.m., Stone Ridge Event Center, 5960 Burden Blvd., Pasco. Tickets 509545-8410. Kids under 10 are free. • Evening for the Angels, a benefit for Chaplaincy Hospice Care: 7 – 10 p.m., Red Lion Hotel, 802 George Washington Way, Richland. RSVP chaplaincyhealthcare.org.

FRIDAY, JULY 21

• Understanding Fibromyalgia class: 1 – 2:30 p.m., Kadlec Heathplex, 1268 Lee Blvd., Ricland. Register 509-943-8455.

SATURDAY, JULY 22

• Walleye Derby, a fundraiser for Rascal Rodeo: 6 a.m. – 3 p.m., Columbia Point Marina, 660 Columbia Point Drive, Richland. Register 509-528-5947.

• Hawaiian Cultural Festival: 5:30 – 9 p.m., John Dam Plaza, 815 George Washington Way, Richland. Tickets richlandparksandrec.com. • Holistic Additions to Cancer Care presentation: noon – 1:30 p.m., Tri-Cities Cancer Center, 7350 W. Deschutes Ave., Kennewick. RSVP 509-737-3427. Free event.

• National Night Out: 5 – 7:30 p.m., Southridge Sports & Events Complex, 2901 Southridge Blvd., Kennewick; 6 – 8:30 p.m., Memorial Park, 1520 W. Shoshone, Pasco; 5:30 – 7:30 p.m., John Dam Plaza, 815 George Washington Way, Richland; and 5 – 8 p.m., Flat Top Park, 4749 W. Van Giesen St., West Richland. All free events.

THURSDAY, JULY 27

FRIDAY, AUG. 4

WEDNESDAY, JULY 26

• Asset Protection Estate Planning, presented by Elder Law Group: 6 – 7 p.m., Mid-Columbia Library, 405 S. Dayton St., Kennewick. RSVP 509-579-0206. Free event.

JULY 28 – 29

Personal Services • Companionship Meal Preparation • Alzheimer’s Care Medication Reminders • Respite Care Call for a free, no obligation appointment!

(509) 591-0019

www.homeinstead.com/tricitieswa Serving Mid-Columbia and Walla Walla

• Kadlec Foundation Golf Classic: 11 a.m., Canyon Lakes Golf Course, 3700 W. Canyon Lakes Drive, Kennewick. Contact foundation@kadlec.org.

SATURDAY, AUG. 5

• Art in the Park: 9 a.m., Howard Amon Park, 500 Amon Park Drive, Richland. Galleryatthepark.org. Free event.

• Geology Hike along the Yakima Bluffs: 8:30 a.m., City of Richland Shops, 2700 Duportail St., Richland. Contract 509-942-7390. Free event.

JULY 28 – 30

WEDNESDAY, AUG. 9

• Tri-City Water Follies: various times, Columbia Park, Kennewick. Information waterfollies.com.

SATURDAY, JULY 29

• Hunt & Gather Vintage Show: 9 a.m. – 4 p.m., John Dam Plaza, 815 George Washington Way, Richland. Information countrynesters.com. Free event.

Bring your grandchildren and families to events with a star.

We’re by your side so your parents can stay at home

TUESDAY, AUG. 1

• Tri-Cities Genealogical Society meeting: 6:15 p.m., Benton PUD Auditorium, 2721 W. 10th Ave., Kennewick. Tricitygenealogicalsociety.org. Free event.

THURSDAY, AUG. 10

• Loving plants class, a WSU Extension Master Gardener Program: 6:30 p.m., Demonstration Garden, 1620 S. Union St., Kennewick. Information ext100.wsu. edu/benton-franklin. Free event.


Senior Times • July 2017 uBRIEFS AARP Smart Driver courses to resume in September

AARP will not offer Smart Driver courses in July and August. The safe driving classes for drivers age 50 and over resume in September. For more information about the courses, visit aarp.org/ads2014 or call 888-227-7669.

Uber offering ride requests for seniors

Seniors concerned with losing their mobility and freedom as they age and their loved ones who may feel overwhelmed with managing their transportation needs have a new option to consider. Uber, the internet-based ridesharing company, is offering a way to request rides for someone else. Uber began offering rides in Kennewick, West Richland and throughout unincorporated parts of Benton and Franklin counties in December. Here’s how it works: When a customer schedules a pickup away from their current location, Uber automatically ask whether the ride is for a family member or friend. Customers can select the rider from their address book, set their destination and request the ride. Once the driver is on the way, the rider will receive a text with

the driver’s details and a link to track the driver’s route. They’ll even be able to contact the driver directly. The driver will see the rider’s name and be able to contact that person directly, too. The ride will be charged to the requestor’s account.

Second Harvest’s Mobile Markets offer groceries

Second Harvest’s Mobile Markets will be providing fresh, perishable and frozen grocery products for about 250 families in each two-hour distribution period in July and August. The markets run through midNovember and are made possible through sponsor partners and volunteers. Distribution is on a first-come, firstserved basis and some of the distributions will include milk or beef. Here’s the schedule: • 4 p.m. to 6 p.m. Friday, July 14: Richland Baptist Church, 1632 George Washington Way. • 10 a.m. to noon Wednesday, July 19: Miramar Health Center, 1608 N. Road 44, Pasco. • 10 a.m. to noon Wednesday, July 26: The Garden Church, 6811 W. Okanogan Place, Kennewick. • 10 a.m. to noon Thursday, Aug. 3: Temple Baptist Church, 4555 Arena Road, Richland. • 10 a.m. to noon Friday, Aug. 11:

KNDU parking lot, 3312 W. Kennewick Avenue, Kennewick. Call 509-545-0787 or visit 2-harvest.org for more information, including future Mobile Market dates.

Let’s Tour Franklin County summer activity underway

The Franklin County Historical Society is offering an educational summer activity by encouraging participants to visit 20 heritage sites and cultural destinations in Franklin County. Those who visit each location outlined in their tour guide book, which includes day trip ideas, historical information and added points of interest, are encouraged to snap a selfie at each place and share it with the historical society by email or on Instagram or Facebook. There will be surprise drawings during the duration of the program for Tri-City Dust Devils tickets. Those who visit all 20 destinations will be put in a drawing for a $100 gift basket from Country Mercantile. The program runs through Wednesday, Aug. 16. The summer guide book costs $20 and can be purchased: noon to 4 p.m. Tuesday through Friday at the Franklin County Historical Society, 305 N. Fourth Ave., Pasco; 8 a.m. to 5 p.m. Monday through Friday at the

5

City of Pasco Parks and Recreation department, 525 N. Third Ave.; Downtown Pasco Development Association and Pasco Specialty Kitchen, 110 S. Fourth Ave.; 8 a.m. to noon Wednesdays and Saturdays at the Pasco Farmers Market, corner of Fourth and Columbia Avenue; or online at http://franklincountyhistoricalsociety.org.

Trios gastroenterologists relocate practice

Trios Medical Group gastroenterology providers Dr. Tegpal Atwal and Kim Larson, advanced registered nurse practitioner, are now seeing new patients at their new practice at Trios Care Center at Southridge at 3730 Plaza Way in Kennewick. The new location allows the providers to offer better coordinated care for hospital admitted patients, as well as access to Trios Health’s diagnostic imaging and supportive services. Atwal will continue to perform scheduled procedures at the Trios Endoscopy Center at Trios Care Center Vista Field, 521 N. Young St. in Kennewick, as well as at Trios Southridge Hospital. The gastroenterology practice’s new phone number is 509-221-6550.


6

Senior Times • July 2017

Probate could be avoided with proper planning BY BEAU RUFF for Senior Times

Now Leasing Spacious Studio, 1 bedroom and 2 bedroom apartments Full Kitchens, Washers and Dryers upon availability. Ask about our Summer specials going on now. Call today and see how you can save in the month of July! Our Veterans always receive a discount.

(509) 734-9773 7820 W. 6th Ave., Kennewick, WA www.Parkviewslc.com

Few words evoke such strong negative imagery as the term “probate.” For most people, they are not sure exactly what probate entails, but they know they want to avoid it at all cost. Contrary to conventional wisdom — and unlike other states — Washington has a simplified and streamlined probate process. Indeed, it often makes more sense, from a planning perspective, to plan to go through probate than try to avoid it. But for the person looking for all options to avoid probate, I offer the following strategies. At the outset, it should be noted that “probate” is a specific process under state law, usually with minimal oversight by a state court.  But, one can imagine that after a death of a loved one, whether “probate” is required or not, some form or administration will likely be required. The house doesn’t clear and sell itself. Creditors may have valid claims that must be addressed. State agencies are entitled to notice of death.  The assets must be divided and distributed. These tasks are often complicated, not by the process, but by the emotions involved in losing a loved one, the complexity of the asset mix, and attitude of the heirs.  A concept necessary to understand the strategies is the distinction between probate assets and nonprobate assets. Non-probate assets are generally defined as assets that already have a named beneficiary. These include assets such as retirement accounts, life insurance and some bank accounts. Non-probate assets are, you guessed it, not subject to probate.  Probate assets are everything else.  In general, a person’s estate will go through probate unless they meet one of three main exceptions in Washington. The first exception is that the person dying is survived by a spouse and they have a Community Property Agreement.  Though Washington is a “community property state,” this is not the same as a Community Property Agreement. The fact that Washington is a community property state means, in simple terms, that all assets acquired during marriage are owned one-half by husband and one-half by wife. A Community Property Agreement takes the concept further by providing: (1) all assets acquired at any time and

through any method are community property owned one-half by each husband and wife; and (2) at the death of the first to die, all assets vest in the surviving spouse. The Community Property Agreement is seen as more powerful than a will and usually controls over a conflicting will. And, with a Community Property Agreement, probate is avoided. The second exception to probate is that a person has a Revocable Living Trust (RLT) and all of their proBeau Ruff bate assets Cornerstone are titled in Wealth Stategies the trust. Though “probate” is avoided, the administration after death is generally referred to as Trust Administration and can be substantially similar to probate. The RLT is a method of estate planning, separate and distinct from a will. The trust is a separate entity. In a sense, it is like setting up your own corporation. The attorney drafts the shell (the trust), and you transfer in all your assets. Then, the concept is that the trust is the owner and the trust will not die like us regular humans. Since there is no death, there is no probate required. Though, consider that since about 2012, Washington state has instituted laws that make the administration of trusts similar to probate.  The third exception to probate is for a person who dies owning no real property (land, house, condo, etc.) and owning less than $100,000 in probate assets. Usually the administration of a so-called “small estate” is accomplished through an expedited small estate affidavit process, but no formal court process is required.  Beyond the three exceptions noted, there are additional strategies to help a person’s current asset mix fit into an exception to probate.  Transfer on Death Deed. Only since about 2014 has Washington state authorized the Transfer on Death Deed. The concept is that a person can prepare and record a deed that doesn’t transfer ownership of real property until the death of the grantor. By recording such a deed, it turns an otherwise probatable asset into a non-probatable asset.  uPROBATE, Page 10


Senior Times • July 2017

7

Fishing charters help anglers land salmon, sturgeon, walleye, steelhead BY AUDRA DISTIFENO for Senior Times

Dropping a line into the rivers around the Tri-Cities to catch salmon, sturgeon, walleye or steelhead has launched a handful of fishing charter businesses around the Tri-Cities. Recreational fishing is big business, generating more than $115 billion in economic output and more than 828,000 jobs nationwide, according to the American Sportfishing Association. In Washington state, anglers spend $1.2 billion while fishing, according to a 2011 U.S. Fish and Wildlife report. Thousands of people have become hooked on the hobby through the Takemefishing.org campaign and thanks to U.S. Department of Fish and Wildlife’s fishing guides. The Recreational Boating & Fishing Foundation updated its 2016 goal to “increase participation to 60 million … in the next five years.” There are currently 45.7 million anglers, with fishing named the “most popular adult activity” for those 25 and older in the U.S.  With more than 10 fishing guide services available around the Tri-Cities area, experts said it’s important to do some research before signing up for an outing.  Guides like Dave Hedden, owner of Hedden’s Northwest Sportfishing can turn a one-time trip into a lifetime hobby. “I think of it as ‘fishing school’ and share all the reasons I’m doing what I’m doing – from techniques to the best locations for different species. I try to explain the ‘why’ behind everything so they can ultimately do it on their own later,” Hedden said. It’s what keeps Denny Sheehan and other customers coming back for more. “He’s honest. He’s a straight shooter and gets along with everyone, from young kids to 80-year-olds—any age really,” Sheehan said. “He’s a great teacher. Whether you have a lot of experience or no experience, Dave will answer all of the questions you have and teach you something new.” Sheehan averages three trips per year with Hedden. “My youngest daughter and her husband come to visit from Colorado and they don’t want to fish with anyone but Dave,” he said. Sheehan especially appreciates that although fishermen don’t have control over how many fish they catch, Hedden does whatever he can to “put people on fish.” “Dave is usually quite successful at helping everyone get fish,” Sheehan said. “He was Angler of the Year and usually gets a check in most tournaments he enters. Every time I go with him, I pick up something I didn’t learn before. I’ve been on at least six or

seven trips with him. Hedden’s “classroom” isn’t limited to the boat either. He also talks at sportsman’s shows and gives seminars and lectures. “I do seminars at Ranch & Home and other places. The topic depends on the time of year. I might show the ins and outs of different fisheries, what to use, how to use it, or the best locations to fish,” he said. Sheehan, a member of the Walleye Club, said his talks are effective. “He really helped us learn about how to position our boats to jig fish, and to get more control against the wind and current in our own boats,” Sheehan said. Hedden is a “lifetime fisherman,” having grown up about three minutes from the Columbia River. Despite earning finance and business management degrees from Eastern Washington University, Hedden started his business part time eight years ago, which worked into full time about four years ago. He helps clients fish for salmon, sturgeon, walleye and steelhead from a 24-foot North River Scout boat, with guided trips available seven days a week. Hedden has found that the most powerful marketing for his business is word of mouth. He has used Facebook and Craigslist in the past, but said customer testimonies are “by far the best.” Clientele range from young children to retired clients, with the main range between 40 to 60 years old.  “I’ve taken all ages fishing. I love taking kids—having them catch a fish is really rewarding. They get more excited than adults, which is cool,” Hedden said. “I’ve also taken people with handicaps, older folks—pretty much anyone can go fishing.” Another popular trend is corporate trips, which include a business meeting or retreat in a relaxing environment.  “I get lots of retired people who have the time now and want to learn the area so they can go do it on their own later,” Hedden said. His guide service has gained popularity and at press time, he

Dave Hedden displays a 17-pound walleye he caught. The Richland native owns Hedden’s Northwest Sportfishing, a business that has steadily grown over the past eight years.

had five slots left for next fall’s chinook run, which is in mid-October. “Those trips fill up to a year in advance. People who come with me year after year end up reserving for the following year,” Hedden said. The biggest fall chinook he’s pulled in was a whopping 43 pounds. Hedden said the trip’s popularity warrants an occasional double trip in one day, but that’s rare. “I don’t like to short clients; I want to ensure the morning clients get a fish caught. If they haven’t, I might stay an

extra hour for them,” Hedden said. “When the sockeye are good, we can sometimes get in two trips a day as well.” Trip prices vary depending on the number of people booking. If three or more are on the boat, cost is $200 each. For four to six people, cost is $175 each. Trips are eight hours long or until limits are reached. All gear, bait, fillet and bagging fish services, and supplies are included in the cost. uFISHING, Page 15

509-582-7800

www.VisitingAngels.com/Kennewick


8

Senior Times • July 2017

GYMS, From page 1 Planet Fitness opened its first TriCities gym in the former Value Village store in Kennewick. The company expected to spend $560,000 on remodeling the building, according to public building records. Pittsburgh-based Flynn Construction Management General Contracting Inc. was the general contractor. The gym offers the same membership price at all its locations, $10 a month with no yearly commitments. General Manager Ty Franzen said the monthly rates are locked in and “will never go up.” Members pay a one-time annual fee of $39 assessed in August. Franzen said the national chain has been wanting to expand to the TriCities for more than a year but had not found the right location. The nearest Planet Fitness is in Yakima. The Kennewick Planet Fitness will include 20,000 square feet of space with dozens of cardio equipment machines, free weights, weight resistance machines, locker rooms, massage

chairs and tanning beds. Planet Fitness is open 24 hours a day, seven days a week and is always staffed with at least two employees. Part of a national chain, Planet Fitness offers two types of memberships, including its basic, no-commitment membership for $10 a month, as well as expanded options. For about $20 a month, the Black Card includes use of the tanning beds, four hydromassage chairs and one free guest per day. This membership requires a one-year commitment, charging a $58 fee if canceled early. Planet Fitness touts itself as a “judgement free zone,” aiming to make a large gym less intimidating to novices. While it doesn’t have a studio for group classes like spinning or Zumba, it does offer 30-minute workouts to small groups, including circuit training. Planet Fitness: 731 N. Columbia Center Blvd., Ste. 100C, Kennewick; 509-579-0595. COR Fit: 500 Amon Park Drive, Richland; 509-942-7529.

Helping seniors maintain their independence

We g u repla arantee c care ement give rs!

Providing In-Home Care Services: • Personal care & bathing • Housekeeping & laundry • Transportations to doctors, shopping & errands • Meal preparation • Respite care • Trained & Screened caregivers • We proudly serve our Veterans and work with VA benefits

Payment options: private pay and Medicaid (COPES, MPC, DDD, Respite)

509-735-8680 www.ResCareHomeCare.com

Cloyd Bowers, 93, right, and Dave Car, 61, use the seated steppers at the city of Richland’s new gym COR Fit at the Richland Community Center.

SANDY’S, From page 2 Sandy’s also sells machines that connect to mobile apps on a smartphone or tablet, and ones that prompt the user to download a software update when the machine is turned on. Referencing accounts in the cloud for sewing and embroidery patterns, Jarrett recalled an era when some of her customers bought a computer for the first time, just to sync it with their sewing or embroidery machine. Today’s machines can complete a project with no human intervention once programmed by the user. For traditionalists who consider this “cheating,” Jarrett offered the comparison of using a pocketknife versus chainsaw when tasked with chopping wood. For those interested in taking up the hobby, Sandy’s displays the inside

of a typical inexpensive sewing machine purchased at a big box or online retailer versus one sold at the downtown Kennewick store. It’s a visual reminder to customers: “you get what you pay for.” The inexpensive machine found online is mostly made of plastic, versus the steel core found in models sold exclusively by machine distributors, like Sandy’s. The shop also takes used machines on trade, and makes them available for resale. New machines for beginners cost about $200 and include a two-part workbook class that teaches the buyer how to use it. Sandy’s Fabrics and Sewing can be reached at 509-585-4739 and found online at sandysfabrics.com or on Facebook.

Independence From Hunger Food Drive rt o p p u ss n o i t a the on f d o r t u s Yo rve a H d e n Seco s during th ! ly tie Tri-Ci onth of Ju m ty i l a entire u e, q

ff am o n % d Bran cts 40-70 prices! l u prod nal retai o i t n e conv 509-586-6306 1325 W. 4th Ave. • Kennewick


Senior Times • July 2017

9

Remodeled Kennewick shopping plaza attracts new tenants BY ROBIN WOJTANIK for Senior Times

For the first time in two decades, all but one storefront is occupied at Kennewick’s Marineland Plaza. Following a major remodel of the façade, every spot on the West Clearwater Avenue side of the shopping center is booked, and just one space remains available for lease on the North Edison Street side — the area where The Bookworm used to be. “It’s a good surprise to be almost full,” said Jason Goffard, a commercial real estate broker with NAI Tri-Cities. “There are very few business plazas around town that are 100 percent.” He’s been the broker for the retail space, once called Marineland Village, through its prior ownership and bank possession, handling all leases and renewals for the spaces there. Marineland is now owned by a local group of investors, with Manuel Chavallo as the majority managing member. Chavallo’s team, Clearwater Professional Suites LLC, invested $700,000 for the façade remodel. The property opened in 1987 and had not been remodeled since. The dolphin statues and swan signs were removed and replaced with modern awnings and a copper roof. The renovated rooflines include the addition of peaks and rock-front pillars at some entrances. “We wanted to bring the structure into a more contemporary look,” Chavallo said. The recent improvements have brought added interest from new tenants like Black Wool, a trendy clothing store, Fresh Out the Box, a new restaurant from the owners of a food truck bearing the same name, and Garage Solutions, a retail showroom for a garage organization business. They’re among the half-dozen new tenants who have leased space in Marineland Plaza in the last year. Having a more appealing property has made it easier for Goffard to fill the plaza. “It was run down before. It wasn’t enticing. There wasn’t a lot of interest until the remodel was done,” he said. It’s also an exciting time for longtime tenants. The remodel has fallen in line with improvements at Linda Pasco’s store, Lemon Grass Gifts, which has been in the same corner spot for 18 years. She watched with enthusiasm as a new sign was installed above her storefront. Pasco said it took a handful of sketches to get it just right because, like her store, she wanted the sign to have “a touch of whimsy.” “It feels like home every time we come in the store. It smells so nice and

Lemon Grass Gifts owner Linda Pasco snaps a photo while a new sign for her store is installed at Marineland Plaza at 5215 W. Clearwater Ave. in Kennewick. A major remodel of the 30-year-old retail plaza has encouraged businesses to move in and longtime tenants to make improvements.

it feels like home,” she said. In addition to the new marquee, Pasco was thrilled to get double doors at her store entrance. It’s a modification she’s seen as a necessity for a while. “People would just walk right by our door and not realize we were there,” she said. Pasco said the new Marineland owners met with tenants before and during construction and showed them the

architect’s plans. This was key in allowing her to negotiate for the double door she desired at her store’s entrance. The goal of the Marineland Plaza facelift was to make the space look grander and larger. The investors also wanted to solve a chronic pigeon problem tied to the dated awnings. The property’s new investors were attracted to the property for its prime location in central Kennewick. “It was

a nice asset that needed a little bit of improvement,” Chavallo said. At the time of the purchase, the city of Kennewick was in the process of making improvements to North Edison Street. Chavallo said those modifications have made a huge impact to improve access to the shopping center from Highway 240. The remodeling work wasn’t without its challenges — especially this past winter. Pasco and other tenants struggled to attract customers during the lengthy construction. The harsh winter put the project’s timeline two months behind schedule, pushing into the critical fourth quarter when retailers rely on holiday shopping to make up for any slow sales occurring elsewhere in the year. Goffard said he was sympathetic about the delays. “Who’s coming out when there’s snow on the ground and scaffolding around your business? Our hearts go out to the tenants who struggled,” he said. To everyone’s relief, no retailers or restaurants went out of business during the six-month remodel. “Our customers have been such a blessing, they’re so faithful,” Pasco said. uMARINELAND, Page 16

Have you had weight gain in your midsection since turning a certain age? Our weight loss systems is safe and effective for clients over 55! Have you gained retirement weight? After a few weeks of bi-weekly sessions with our natural, relaxing system you could release those 5-15 stubborn retirement pounds! NATURAL

SAFE

PAINLESS

RELAXING

COMFORTABLE

NO DOWN TIME!

BEFORE

AFTER 6 SESSIONS

Your FREE consultation includes a comprehensive body composition health and a heart health reading.

Call 509-579-0089 and mention this ad or book online for the Senior Times Consultation and receive $300 OFF!

AFTER 13 SESSIONS

8656 W. Gage Blvd. Building C, Suite 302 Kennewick, Washington

(509) 579-0089

sculptweightloss.com


10

Senior Times • July 2017

BUILDERS, From page 1 “It does cost more to build a custom home, but it’s a lot less than what some think,” she said. “The trade-off is when you find out how much it would cost you to be in a nursing home.” And while her CAPS credentials have taught her to think outside the box so that people can live more independently, Kelly said she doesn’t actively promote it to clients. “I almost never have someone come to me and say, ‘We want to build this home and want to stay in it until we’re boots out the door.’ People come to me and say they’re retirees and want to build something for needs down the Brett Lott, co-owner of Brett Lott Homes, examines floor plans. As a road,” Kelly said. “So for me, I can say, certified aging-in-place specialist, he custom designs homes so clients ‘Maybe we can make the hallways a can stay in them long term. little wider for comfortable space to move around in the future.’ There’s not one person who says, ‘I don’t want to member who might one day live with the future when custom designing a do that.’ It’s designing for universal them, and they are in a wheelchair or home, and from a construction expansibility.” use a walker. Designing the home so it standpoint, they often don’t cost any Brett Lott, who owns Brett Lott doesn’t have steps from the outside into more than traditional design elements Homes  of Pasco with his wife, Sandra, the house is a simple way to prepare. if you’re doing them at the time the earned his CAPS credentials in 2015. “As they get older, they might not be home is being built, he said. “There’s always opportunity for able to raise their arms,” Lott said. “So Kelly starts the process by asking improvement,” he said. “The average it’s not a good idea to have a microwave her clients how long they plan to be in age of homeowners seems to keep over the range. Even a built-in oven their home. going up. We’ve seen a lot more interest that’s a little lower,” said Lott, who said “Then you start walking them in people saying, ‘This is going to be he focuses on aging-in-place design through different design ideas — really the final home I’m going to buy.’ And elements where the client would need simple things that if we do them right even if they’re physically fine, they’re them most: the kitchen, master now, you can stay in your home as long concerned about what it might be like bathroom and sleeping area. as you want,” she said. “A lot is having in the future.” Wider doorways and no-curb the power of choices where you don’t It may be that a client has a family showers are easy ways to prepare for have to move. If you move (out), you’re moving because you want to.” Lighting is another element that Kelly takes into consideration when designing a home. As we age, our eyes take in less light. She’ll suggest adding under cabinet lighting in the kitchen and more lighting in areas without access to natural sunlight, such as pantries and closets.  “Give them options. Dimmer switches. Really simple things. Background lighting for safety,” she

89.7fm NPR NEWS & 89.1fm CLASSICAL

PROBATE, From page 6 Gifting. By gifting assets prior to death, the estate no longer owns the asset and thus the probate process will not control it. However, gifting has

said. And, just because a home is designed with future needs in mind it doesn’t mean your eyes will pick them up when you walk into a room. “We’ve done a few houses where we built the cabinet so it looks normal, and then later, they can slide the cabinet out, so that down the road, they can move their wheelchair under the cabinet so they can get close to the sink,” Lott said. If a person is having mobility issues, or perhaps balance or muscle impairment, a grab bar is an easy solution. But it may be decades before a client has the need to install one. Kelly makes sure her clients are prepared nonetheless.  “I take pictures of the bones of the house and give them (to the client) on a thumb drive. It tells them where they can install a grab bar and where the studs are. Come off the floor this many inches and over this many inches, so down the road, you can look at those pictures and know where to add grab bars,” Kelly said. Lott is preparing to build his own future-ready home this summer with wider doors and hallways. He’s moved more times than he can count on two hands, and hopes this will be his forever home where he can live independently and safely for decades to come.  “I’d rather have my fingers smashed in a car door than move. Moving is painful for days and days,” he said with a laugh.  And he’s not alone in his thinking. “Baby Boomers are home buyers, and they’re thinking ahead,” he said. “Even if they’re physically fine now, they’re concerned about what it might be like in the future.”  To search for local aging-in-place specialists, visit http://bit.ly/ AginginPlaceTC.

some serious drawbacks as well. If you have a lot of money, your planning concern is the estate and gift tax. If you don’t have much money, your concern should be the Medicaid eligibility rules and the penalty period associated with gifts. Plus, in either event a person avoiding probate by gifting loses the access and income associated with the asset. From a planning perspective, the simplest way to die is to spend your last penny on the date of your death. Regrettably, such a strategy requires extraordinary foresight and a whole lot of luck.  Attorney Beau Ruff works for Cornerstone Wealth Strategies, a fullservice independent investment management and financial planning firm in Kennewick, where he focuses on assisting clients with comprehensive planning.


Senior Times • July 2017

11

Kennewick Senior Center

500 S. Auburn St., Kennewick • 509-585-4303 All activities are at the Kennewick Senior Center unless otherwise listed. For more information, call 509-5854303. • Bunco: 1 to 3 p.m. Fridays. Cost: $1 per day. • Casual Woodcarving: Bring your supplies or borrow from the class. 1 to 3 p.m. Wednesdays. Cost: 75 cents. • Woodcarving Techniques: 9 a.m. to noon Fridays. Cost: $1 per day. • Dominoes: 12:30 to 2 p.m. Tuesdays and Fridays. Cost: 50 cents per day.

• Party Bridge: 12:30 to 4 p.m. Tuesdays and Thursdays. Cost 50 cents per day. • Bridge Tournament: Second Sunday of each month, 2 to 6 p.m. Cost: $1. RSVP 509-586-3349. • Pinochle: 7 to 9:30 p.m. Mondays, Wednesdays and Fridays. Cost: 50 cents per day. 6 to 9 p.m. Sundays. Cost: $1 per day. • Chinese Mahjong: 1 to 4 p.m. Wednesdays. Cost: $1 per day. • Clay Sculpting: Bring your own supplies and projects. 1 to 2 p.m.

Mondays. Cost: $1 per day. • Sewing: 6 to 9 p.m. Thursdays. Cost: $1 per day. • Needle Art: 12:30 to 2:30 p.m. Thursdays. Cost: $2 per day. • Crafters Create: 9 a.m. to 3 p.m. Tuesdays. Cost: $2. Bring your own project and supplies. • Indoor Walking: 9 a.m. to noon Monday through Friday. Cost: $1 per day. Location: Southridge Sports Complex, 2901 Southridge Blvd., Kennewick. • Hair Cuts & Clips: Hair cuts

provided by Pam Eggers. Second and fourth Wednesday of each month, 9 to 11 a.m. by appointment only. Cost $1. Call 509-585-4303. • Line Dancing: 6 to 7 p.m. Mondays. Cost: $24 for residents, $36 for others.Call 509-585-4293 to register. • Taijuquan: 6 to 7 p.m. Thursdays and Fridays. Call 509-430-1304 for cost and to register.

First Avenue Center 505 N. First Ave., Pasco • 509-545-3459

Most of Pasco’s senior services programs take place at the First Avenue Center at 505 N. First Ave., near the Amtrak station behind City Hall, unless otherwise listed. • Basin Wood Carvers: 1 to 4 p.m. Thursdays. Cost: Free. • Bridge: 9 a.m. to noon Thursday. Cost: 50 cents per day. • China Painting: 9 a.m. to noon Tuesdays. Cost: Free. Bring your own project and supplies. • Cribbage: 1 to 3 p.m.

Wednesdays and Fridays. Cost: Free. • Drop-In Snooker: 9 a.m. to 4 p.m. Monday through Friday. Cost: $1 per day. • Mexican Train Dominoes: 12:30 to 3 p.m. Thursdays. Cost: Free. • Pinochle: 7 to 9 p.m. Tuesdays and Fridays. Cost: Free. • Wavemakers Aqua Fit: Class for those with arthritis, fibromyalgia, lower back pain, muscle weakness, those who use a cane or a walker and anyone who loves the pool. Location:

Oasis Physical Therapy, 6825 Burden Blvd., Suite D, Pasco. This class if offered on various days/times. Call 509-545-3456 to register. • Enhance Fitness (40+): Class focuses on stretching, balance, low impact aerobics and strength training. 10 to 11 a.m. Mondays, Wednesdays and Fridays. Cost: $28 for residents, $35 for others. No class July 10 and 12. Call 509-545-3456 to register. Location: Pasco City Hall Activity Center, 525 N. Third Ave., Pasco.

• Happy Feet program (60+): Get your feet cared for by a licensed, registered nurse. By appointment 9 a.m. to 3 p.m. Tuesdays, Wednesdays, Thursdays. Cost: Free with suggested donation of $12 to $15 per person. Call 509-545-3459. • Foot Care for Adults (18+): Get your feet cared for by a licensed, registered nurse. By appointment only, 9 a.m. to 3 p.m. Cost: $30. Call 509545-3459.


12

Senior Times • July 2017

Richland Community Center

500 Amon Drive, Richland • 509-942-7529 All activities are at the Richland Community Center unless otherwise listed. For more information, call 509-942-7529. • American Mahjong: 12:30 to 4:30 p.m. Thursdays. Cost: free. Location: lounge. • Cribbage: 8:30 to 11:30 a.m. Wednesdays. Cost: free. Location: lounge. • Billiards: 1 to 4 p.m. Monday through Friday. Cost: $2 per day. Location: pool room. • Golden Age Pinochle: 5:30 to 8:30 p.m. Fridays. Cost: $1 per day. Location: game room. • Duplicate Bridge: 12:30 to 4 p.m. Mondays, Wednesdays and Fridays. Cost: $1 per day. Location: game room. • Party Bridge: 8:30 to 11:30 a.m. Mondays and Wednesdays. Cost: $1 per day. Location: game room. • Dominoes: 12:30 to 3 p.m. Tuesdays and Thursdays. Cost: free. Location: lounge. • Bridge Buddies: 5:30 to 9:30

p.m. Tuesdays and 10:30 a.m. to 12:30 p.m. Thursdays. Cost: $1. Location: game room. • Birthday Club Social: Second Tuesday of each month, Noon to 12:30 p.m. Cost: free. Location: lounge. • Pie Socials: Third Tuesday of each month, noon to 12:30 p.m. Cost: free. Location: lounge. • Root Beer Float gathering: Third Wednesday of the month, 2 to 2:30 p.m. Cost: free. Location: lounge. • Greeting Card Recycling: 9 to 11 a.m. Mondays. Cost: free. Location: meeting room. • RSA Dance: Third Friday of the month, 1 to 4 p.m. Cost: $6 per person. Location: Riverview room. • International Folk Dancing: 7 to 9 p.m. Thursdays (location: Riverview room) and 6 to 9 p.m. the first Saturday of the month for a potluck and dancing (location: activity room). • Steppin’ Out with Jo: 9 to 10 a.m. Mondays, Wednesdays and

Tired of low CD rates? 3.25% guaranteed for 5 years or 3.4% guaranteed for 7 years Defer paying the taxes on your earnings! Attain more growth on your money! No tax penalty for moving $$ over

ASR Insurance, Inc. Call today! 800-386-6160

Fridays. Cost: $22.75 for residents, $28.50 for others. Location: Riverview room. Call 509-9427529 to register. No class July 14. • Patti’s Workout: 4 to 5 p.m. Mondays, Tuesdays and Thursdays. Cost: $30.75 for residents (drop-in rate $5), $38.25 for others (drop-in rate $6). Location: Riverview room. Call 509-942-7529 to register. No class July 3 and 4. • Slim & Sassy Body Shape: 5:05 to 6:20 p.m. Wednesdays. Cost: $26.50 for residents, $33.25 for others. Location: Riverview room. Call 509-942-7529 to register. • Tai Chi: 7:35 to 8:35 p.m. Tuesdays and 6 to 7 p.m. Thursdays. Cost: $23.50 for residents (drop-in rate $4), $29.50 for others (drop-in rate $5). Location: Riverview room. Call 509-942-

7529 to register. No class July 4. • Fitness Room: 8 a.m. to 9 p.m. Monday through Friday, 9 a.m. to 8 p.m. Saturdays and noon to 4 p.m. Sundays. Cost: $2 per day or $8 per month. Location: Fitness room. • Foot Care for Fabulous Feet: Have a licensed registered nurse specializing in geriatrics care for your feet. 9 a.m. to 2:30 p.m. Thursdays. Cost: $30. Location: wellness room. Call 509-942-7529 for an appointment. • Sketch Series: 10 a.m. to noon, Saturday, July 22. Location: Reach Museum grounds, 1943 Columbia Park Trail, Richland. Cost: free. Bring your own supplies. Turn in a sketch to be included in the art exhibit in the library in September.

West Richland Senior Center 616 N. 60th, West Richland 509-967-2847 All activities are at the West Richland Senior Center. For more information, call 509-967-2847. • Bunco & Pot Luck: Noon Wednesday, July 5 and Friday, July 21. • Potluck Dinner: 6 p.m. Tuesday, July 11. • Bingo: Monday, July 17. Hot dog lunch starts at noon with a suggested $3 donation. Bingo at 1 p.m. • TOPS (Take Off Pounds

Sensibly) Fitness: 11 a.m. Thursdays. • Exercise: A co-ed, light cardio and hand weights class. 9 a.m. Tuesdays and Thursdays. A donation of 50 cents for members and $1 for others is appreciated. • Art: 1 p.m. Saturdays. • Raffle Drawing: Enter to win outdoor metal art by Dan Phelps. Raffle tickets are $1. Drawing will take place a potluck on Sept. 12.

Through season of change you have kept your promise of love, honor and respect. Dementia has brought change, but your commitment remains strong. Let us help you to continue to love, honor and respect during this challenging season.

509-783-5433 5505 W. Skagit Ct. Kennewick, WA


Senior Times • July 2017

Roast beef with gravy, mashed potatoes, Italian vegetables, wheat roll and ice cream. • Monday, July 24: Swedish meatballs, seasoned egg noodles, seasoned broccoli, bread and chilled pears. • Tuesday, July 25: Spinach lasagna, seasoned green peas, carrot raisin salad, breadstick and apple crisp. • Wednesday, July 26: Tuna pasta salad, three bean salad, crackers, chilled peaches and yogurt with

Easy Easy

4 3

4

3

58

4 1 3 9 6 5 5 6 82

67 81

6 48 3 1 39 6

63 24

73 1

3

2 2 1 6 6 9 7 7 8 8 8 8 35 5 4

© 2017 Syndicated Puzzles

6

1 9

berries. • Thursday, July 27: Roast turkey with gravy, parslied potatoes, pea and cheese salad, wheat roll and a brownie. • Friday, July 28: Sweet and sour pork, rice, broccoli salad, oriental vegetables and cookies. • Monday, July 31: Herbed chicken, au gratin potatoes, peas and carrots, bread and chilled pears. For more information about Senior Life Resources Northwest visit seniorliferesources.org.

Tough Tough

© 2017 Syndicated Puzzles

1 1 6 73 3 1 1 5 5 5 3 93 8 9 7 8 7 1 1 8 8 6 6 8 8 6 6 5 52 2 3 6 6 8 8 2 2 5

© 2017 Syndicated Puzzles

Str8ts - Easy

7 5

The city of Kennewick recently celebrated the opening of a new outdoor gym, Sunset Park Fitness Station, the first of its kind in the city, that features 12 workout stations. Outdoor gyms are a new approach to health and fitness that utilize a lot of the same equipment found in indoor gyms, according to the city. The new fitness center is designed to accommodate all ages and abilities. The cost of the project, which includes a shade structure, was about $120,000. It is located next to Sunset View Elementary School at 711 N. Center Parkway.

SUDOKU SUDOKU Just for Fun

STR8TS STR8TS

Sudoku - Tough

Meals on Wheels is a program of Senior Life Resources Northwest and is supported by donations. For those 60 and over the suggested donation is $2.75 per meal. Meals may be purchased by those under 60 for $7.15. Menu substitutions may occur. For reservations, call between 9 a.m. and noon the day before your selected meal. For reservations in Richland, call 509-943-0779; Kennewick 509-585-4241; Pasco 509-543-5706; Parkside 509-5452169; Benton City 509-588-3094; Prosser 509-786-1148; and Connell 509-234-0766. The Senior Dining Café serves soups, sandwiches and salads without a reservation. Hours are 11 a.m. to 1 p.m. Monday through Friday. The café is located at 1834 Fowler St. in Richland and can be reached by calling 509-736-0045. • Monday, July 3: Hamburger, lettuce, tomato, onion, potato salad, three bean salad and ice cream. • Tuesday, July 4: Closed for Independence Day. • Wednesday, July 5: Barbecue chicken breast, baked beans, broccoli with peppers, wheat roll and coconut cake. • Thursday, July 6: Harvest

apple pork chop, rice, lima beans, apple cabbage slaw and cranberry oat bar. • Friday, July 7: Spinach frittata, chuck wagon potatoes, bran muffin and fresh fruit. • Monday, July 10: Chicken fiesta, Spanish rice, refried beans, broccoli with peppers, bread and yogurt with berries. • Tuesday, July 11: Macaroni and cheese, sausage patty, lima beans, salad with dressing and chilled pears. • Wednesday, July 12: Pork roast with gravy, roasted sweet potatoes, pea salad, bread and cookies. • Thursday, July 13: Chef salad, mandarin oranges, wheat roll and peach crisp. • Friday, July 14: Meatloaf and gravy, mashed potatoes, Brussels sprouts, wheat roll and cherry oat bar. • Monday, July 17: Rosemary chicken, mushroom sauce, rice, seasoned broccoli, wheat roll and cookies. • Tuesday, July 18: Chicken enchilada casserole, refried beans, Spanish rice, seasoned corn and fresh watermelon cubes. • Wednesday, July 19: Smothered pork chop, roasted sweet potatoes, peas, wheat roll and cookies. • Thursday, July 20: Lemon pepper cod, herbed potatoes, honey glazed carrots, bread and blueberry and cherry crisp. • Friday, July 21: Birthday Day.

© 2017 Syndicated Puzzles

Meals on Wheels July menu

How to beat Str8ts - No single number, 1 to 9, can repeat in any row or column. But rows and columns are divided by black squares into compartments. Each compartment must form a straight - a set of numbers with no gaps but it can be in any order, eg: 7, 6, 8, 9. Clues in black cells remove that number as an option in that row and column, and are not part of any straight. Rules of Sudoku - To complete Sudoku, fill the board by entering numbers 1 to 9 such that each row, column and 3x3 box contains ever number uniquely. For more strategies, hints and tips, visit www. sudokuwiki.org and www.str8ts. com.

How to beat Str8ts – How to beat Str8ts – To complete Sudoku, fill the board by entering Like Sudoku, no single number 1 to 9 can repeat in any row Solutions on page 15 to complete Sudoku, fill the board by3x3 entering numbers 1To 9 such that each row, column and Like Sudoku, no single number 1 to 9 can repeat in any row or column. But... rows and columns are numbers 1 to 9 such that each row, column and 3x3 box contains every number uniquely. or column. But... rows and columns are divided by black squares into compartments. 2 1 4 5 box contains every number uniquely. divided by must blackform squares into compartments. 2 1 4 5 Each compartment a straight For many strategies, hints and tips, 6 4 5 3 2 Each compartment must straight For many strategies, hints and tips, 6 4 5 visit 3 www.sudokuwiki.org 2 a set of numbers with no gaps butform it cana be for Sudoku 4 5 2 1 a set of numbers with no gaps but it can be Cost of a new car: $2,750. Gas per gallon: 33Sudoku cents. in any order, eg [7,6,9,8]. Clues in black cells visit www.sudokuwiki.org for and for Str8ts. 4 5 2 www.str8ts.com 1 in any order,as egan[7,6,9,8]. in black 4 cells 3 6 2 1 5 remove that number option inClues that row and www.str8ts.com for Str8ts. 4 3 6 2 If1you5like remove number asany an straight. option in that celebrates 100 years of confederation. and column, and that are not part of Str8ts and other puzzles, check out our 3 row 5 2 1July 4 1: Canada and column, and are not part of any straight. If you likeApps Str8ts and othermore puzzles, check 3 5 2 1 4 Glance at the solution to see how ‘straights’ books, iPhone/iPad and much on our store.out our 2 1 3July 21: The town of Glance at the solution to see how ‘straights’ books, iPhone/iPadWisconsin, Apps and much more on secession our store. Winneconne, announces are formed. 2 1 3 are formed. from the United States because it is not included in the official maps

Turn Back the Clock...

1967

13

and declares war. Secession is repealed the next day.

Str8ts example


14

Senior Times • July 2017

Don’t be ‘all thumbs’ when it comes to retirement planning BY BENJAMIN MESSINGER for Senior Times

My favorite economics professor started our first class by asking: “What is the purpose of a business?” A classmate called out, “To make a profit.” Our professor replied, “Wrong! The purpose of a business is to MAXIMIZE profit! Making a profit leads to golfing in Ritzville. Maximizing profit leads to scuba diving in the Caribbean.” If you operated your business with no expertise beyond adherence to “rules of thumb” which scenario do you think is most likely: Ritzville or the Caribbean? Consider your household as a business. Can you expect to maximize your personal financial performance by simply following rules of thumb?  I realize many readers are born doit-yourselfers. Trust me. I get it. I’m afflicted with the same condition. Whether you DIY your own wealthbuilding roadmap or access the services of a professional, I hope I can influence you to abandon reliance on rules of thumb in favor of a more optimized approach. You only get one shot at this. I’d like to see you make the most of it. We are drawn to rules of thumb because they seemingly solve com-

plex problems simply. In reality, some problems just aren’t simple to solve. Let’s take a look at some common retirement Benjamin planning rules Messinger of thumb and HFG Trust see where they can steer us astray. ‘All thumbs’ No. 1: Save 10 percent of your income for retirement We’ve all heard this one, right? Always save 10 percent and magically you’ll amass the perfect amount of capital to fund your retirement. Unfortunately, life is not linear. Young adults are typically less wealthy and carry some debt. We raise families, develop our career or business, and hit our highest earning years after many of the hardest financial burdens have already been overcome.   Is it optimal to save at the same rate through every phase of your working years? I would argue that it is not. Saving at a steady 10 percent produces regulated savings that grows with your income. There is logic to

this, but not a complete solution. Ignored are many important details such as the dynamics of expenses, income and lifestyle that change over the course of your working years. Saving at 10 percent in the early years may be a poor choice if there are high-interest debts to pay off and 10 percent may be far less than optimal in those pre-retirement emptynest years when your saving capacity may be much higher.  Rather than “set it and forget it,” personal savings should be determined strategically as part of your cash-flow plan, just as it should be for your business. ‘All thumbs’ rule No. 2: Percentage of your bond allocation should equal your age This rule is no more likely to provide you a perfect experience than one-size-fits-all clothing. Should a younger investor’s portfolio hold more equities (stocks) than an older investor’s? Usually, but not always. Is a 55 percent bond allocation ideal for every 55-year-old under all conditions? Definitely not!  Regardless of age, the primary factors influencing selection of stockbond ratio include timing and magnitude of cash-flows, time horizon, market conditions, inflation, interest

rates and dividend yield. Two of those factors are influenced by age, but there is no universal age-based formula for the best portfolio mix.  The problem is a universal agebased recommendation is exactly what you’ll get from your robot overlords (online tools) and from humans who know just enough to be dangerous.  ‘All thumbs’ No. 3: Never withdraw more than 4 percent per year This is a rule that works better in a test-tube than outside the lab.  Several academic studies have used back-testing against historical market performance to determine that a hypothetical balanced portfolio with a 4 percent initial distribution rate is not likely to run out of money for at least 30 years.  These observations are very useful in understanding some fundamental limits of portfolio yield. The observation is frequently misinterpreted to imply that 4 percent is the best distribution rate under all conditions and time-horizons. This does not take into account significant variations in income required of the portfolio at different times. For example, an individual retiring at age 62 may wish to delay Social Security or pension benefits to a later age in order to maximize them. This may require an initial portfolio distribution rate higher than 4 percent, but results in a much lower rate later.  Also, using 4 percent as a rule of thumb ignores time-horizon. A 60-year-old with a 7 percent distribution rate is probably going to run out of money at some point. An 85-yearold probably will not. Time-horizon is a critical consideration, and the 4 percent rule is not effective as a one-size-fits-all.  ‘All thumbs’ No. 4: A diversified stock portfolio will return an average of 10 percent  This rule of thumb is true if you started investing in 1926. Unfortunately, you’d be dead by now.  As they say, your mileage may vary.  Someone who retired 15 years ago with a stock portfolio invested in the S&P500 composite index (including dividends) would have experienced an average return of 7.1 percent (period ending March 31, 2017).  That’s just shy of 30 percent below the supposed 10 percent rule.  I doubt most DIY retirement plans have the margin to absorb a 30-percent return miscalculation.  An investor wishing to more accurately forecast equity returns would do well to study the relationship of various valuation metrics to long-term returns.  The research of John Y. Campbell and Robert J. Shiller are good places to start.  uPLANNING, Page 15


15

Senior Times • July 2017 CEDARS, From page 3 He’ll also miss eating the food at Cedars. “I’ve eaten a lot of dinners here — sometimes five nights a week,” he said. Whoever buys the restaurant will benefit from a good relationship with the Port of Kennewick, Dave Mitcham said. “I can’t stress enough what the port is doing with this island,” he said. “This group of commissioners is the best I’ve ever worked with. There has been great business traffic on this island.” The feeling seems to be mutual. The port named the restaurant owners as the 2016 Friend of the Port. They were FISHING, From page 7 Hedden said he loves to share his passion with others. “My favorite species honestly changes with the seasons, but I really like fall chinook,” he said. “I get pumped for walleye too, though. I fish the tournament circuit.” Between 40 and 60 boats of two-person teams, usually the best fishermen from their respective regions, compete in the tournament. Hedden competes in two-day tournaments in the Northwest circuit, the Columbia River, Potholes, Moses Lake and Banks Lake. In 2012, he was named Columbia River Circuit Angler of the Year after he earned first place for total weight caught per day in the contest. He and his partner finished first, second, third and fourth on each respective waterway, but point-wise, finished first overall.  Hedden has placed in the top 10 for 18 of the past 21 tournaments he’s competed in because of his experience on area waterways. Hedden has noticed a definite increase in the numbers of people taking part in recreational fishing.  “The walleye trips have really grown. People are catching on and it has become one of the most popular trips during spring and summer,” Hedden said.  One of the reasons for its popularity is its affordability. In Washington state alone, 2.5 million licenses are purchased annually.  For guided trips with Hedden’s Northwest Sportfishing, clients must take their fishing licenses with proper endorsements (if necessary), food and drinks, sunglasses, proper clothing for the weather, camera, and a cooler full of ice to take their fish home.  No matter the fish species or the time of year, Hedden’s main goal is to “cater the trip to the client.” “I’ll make special accommodations for them. It’s their trip and I take pride in making the best trip possible for my clients,” he said. For more information, call 509-5218620 or visit heddensportfish.com. 

recognized for their tenacity, efforts to help transform Clover Island and diligence in making Cedars a community landmark water destination. The Columbia Gardens Wine Village under construction on nearby Columbia Drive is also expected to increase traffic to Clover Island. If Dave Mitcham has any regrets, there are just a couple. “I’ve had 45 years in the restaurant business. But I just didn’t have the energy anymore to do two things: a lunch program and ... building to the west side of the property a special events center,” he said. Cedars serves only dinner, from 5 to 10 p.m. PLANNING, From page 14 ‘All thumbs’ No. 5: You should have an emergency fund equal to 6 months of living expenses An emergency fund is a form of insurance. It is better to be overinsured than under-insured, but that does not make it efficient. Consider two households. Household No. 1 consists of a single wage earner and 4 dependents. They have a mortgage, student loans and a car payment. Household No. 2 consists of a retired couple. They have no mortgage or other debts. Pensions and

“This place needs to do lunch,” he said. “We do all of our business on five hours a night. My hope is someone will come in here and open up for lunch. I could see someone doubling their income doing that.” Mitcham said he’s had to turn down wedding parties because he can’t accommodate them. An events center would change that. “I think a 40- to 50-seat events center could be built on the west side,” he said. But that will be the new owners’ decision. “This is the first time I’m being aggressive about selling this,” Dave Mitcham said. “I want to sell it to peoSocial Security benefits cover 90 percent of their income needs. It should be clear that household No. 1 has a much greater cash-flow risk. If the wage earner suffers illness, injury, or some other disruption in their ability to bring home a paycheck, the size of their emergency fund becomes very critical. Household No. 2 should certainly maintain a liquid emergency fund, but it should be clear that their liquidity needs are significantly different.  I hope that by now it is becoming clear that every aspect of retirement planning, or financial plan-

Subscribe Today To subscribe to the Senior Times, simply fill out the form below. Please notify our office of any address change during your subscription, as the paper will not be forwarded if you move. Make checks payable to Senior Times.

o One year $21.67

o Two years $34.70

o Three years $42.30

ple I’m real comfortable with. This place is an icon. People have a good time here. I’m hoping to get out at 62. But if I have to, I’m waiting to get it done by 65.” Then it’s time to retire. “It’s been a great run. And we’ve made a great living off of the place,” he said. “I want to retire while I’m young enough that I have energy, to enjoy our grandkids, and travel. I want to do some volunteer work. We have a cabin up in the Blue Mountains, and my son lives in Scottsdale, Arizona.” Mitcham said he looks forward to mastering a new skill when he retires. “I’m high energy,” he said. “I’d like to start learning how to relax.” ning in general, should be approached strategically with the objective of personalizing to maximize effectiveness based on your needs and circumstances.  Are you applying a careful level of attention to your personal finances and retirement planning, or are you leaving fate to rules of thumb? I hope you’ll take the better path and maybe someday send me a postcard from the Caribbean.   Benjamin Messinger is an adviser with HFG Trust in Kennewick. 

Puzzle answers from page 13

Str8ts Solution

Str8ts Solution

7 3 5 4 4 5 2 3 4 1 6 5 7 6 8 9 9 8 7 8

4 3 1 5 2

2 1 1 2 3 9 8 8 7 4 3 5 4 2 6 7 5 5 3 6 7 6 4

5 6 6 7 7 9 8 9 8 4 3 2 4 3 5

Name Business Name (if applicable)

Sudoku Solution Sudoku Solution

Str8ts Solution

Address

7 3Phone 4 2 1 5 4 Zip 3 1 2 City State 4 5 2 1 3 9 8 E-mail 3 4 1 5 8 7 4 Date 3 Card Number 6 5 2 Exp. 7 6 5 4 2 Name on card 3 Digit Code 8 9 6 7 5 9 8 7 6 5 3 Billing Address (zip code too!) 8 7 6 4 Mail completed forms to: 8919 W. Grandridge Blvd., Ste. A1 / Kennewick, WA 99336 Questions about subscribing? Call 509-737-8778 ext. 4

Make checks payable to Senior Times. Pre-payment required, no refunds. Prices include Kennewick sales tax.

5 6 6 7 7 9 8 9 8 4 3 2 4 3 5

5 2 6 3 1 9 7 4 8

8 9 7 4 6 2 5 1 3

1 4 3 7 8 5 9 6 2

4 7 1 8 3 6 2 9 5

6 8 9 2 5 7 1 3 4

2 3 5 1 9 4 6 8 7

7 1 4 9 2 3 8 5 6

9 6 2 5 4 8 3 7 1

3 5 8 6 7 1 4 2 9

For more strategies, hints and tips, visit www.sudokuwiki.org and www.str8ts.com.

Sudoku

5 2 6 3 1 9 7 4 8

8 9 7 4 6 2 5 1 3


16

Senior Times • July 2017

MARINELAND, From page 9 “We all prayed very hard,” said Jessica VanDine, manager of the Village Bistro. “The remodel was a scare for a lot of places. We pulled together as a tight-knit work family. We buckled down and we all communicated.” Known as the Village Deli and Café for 28 years, the Village Bistro reopened last year with a new name and a new menu after the former owners retired and sold the restaurant.  VanDine said the new owners, Ryan and Kara Vogt, have increased the quality of the meats and breads and now serve dinner on the weekends, specializing in a homemade Italianbased menu. 

“Business is busier but there’s a lot more room for growth,” VanDine said. They hope the warm summer days will encourage people to enjoy happy hour on the patio, offering $6 burger specials on Friday and Saturday afternoons. Marineland tenants root for each other’s success, Pasco said. “We shop in each other’s stores, we eat their food. We have a nice relationship with other owners,” she said. The last available retail space at Marineland is where The Bookworm used to be before moving to North Columbia Center Boulevard in 2015.  The 2,600-square-foot spot could be used for retail, restaurant or office space and has the availability of out-

door seating in the front. It’s currently advertised at $11 a square foot, plus triple net, which covers a portion of the facility’s operating costs. Pasco said she’s proud to be a part of the locally focused Marineland Plaza where “the owners are particular about keeping mom-and-pop stores.” Lemon Grass is a family affair, with Pasco’s daughter and niece working behind the counter and setting up displays in the quirky shop. The store is on its third remodel, as Pasco has continued to take over neighboring retail space as it becomes available.  It began as an 850-square-foot retailer of fine bath and body products. “I’m a soap and lotion nut,” Pasco said. It’s

now grown to 4,000 square feet, offering what’s described as “an eclectic array” of gifts, including clothing, jewelry, handbags, home décor, furniture and wall-hanging fountains. Pasco has stayed true to her roots, proudly stating she provides the largest collection of mineral oil- and petroleum-free organic soaps in the TriCities. She was inspired to own a store after her daughter became an entrepreneur.  Pasco had no other option but to travel to the Seattle-area to find the items she was after. “I thought, ‘Why do you have to drive to Bellevue to get a big, beautiful bar of soap?’” She decided to open her own shop and always made it a point to carry the soaps featured on Oprah Winfrey’s popular O List. And as many other similar strip malls have lost tenants or gift stores have gone under, Pasco believes her store’s uniqueness has kept it going for nearly two decades. “You have to be able to change with the times and with the trends. You have to try to be original,” she said. 

uBRIEFS State tops nation in support for seniors with disabilities

Washington has been named the most successful state in the country when it comes to supporting seniors, adults with disabilities and their caregivers. The third edition of AARP’s State Long-Term Services and Supports Scorecard highlights changes states face in terms of aging and changing populations and promising practices that allow programs to continue to provide care and support. Washington’s Department of Social and Health Services’ Aging and LongTerm Support Administration was judged on its affordability and access, choice of setting and provider, quality of life and quality of care, support for family caregivers and finding the right type of care for clients.

Alzheimer’s Association walk set for Sept. 9

The Alzheimer’s Association Walk to End Alzheimer’s, sponsored nationally by Edward Jones, is Saturday, Sept. 9 at Columbia Park in Kennewick. Registration starts at 8:30 a.m., with opening ceremonies at 9:45 a.m. and the walk at 10 a.m. The fund-raising goal for this year’s event is $119,000. Contact Leslie Woodfill, event coordinator, at 509-456-0456 ext. 8311 or lwoodfill@alz.org for more information. Register online or donate at act.alz. org/Tri-Cities.

Senior Times -- July 2017