Senior Times -- November 2016

Page 1

November 2016

Volume 4 • Issue 11

AARP survey shows state’s residents not ready for retirement

Marine Corps veteran Steve Prince of Richland works for Vietnam Veterans of America to assist veterans from all branches to receive Veterans Affairs benefits.


Social Security benefits to increase

Page 3

Q&A: What do you enjoy about your senior years?

Page 13

Tri-City area holiday bazaar listings

Page 15

save the date

Dec. 6 - 7 7 p.m. A Celtic Christmas Concert Uptown Theatre 1300 Jadwin Ave. Richland

The golden years imply the living is easy, affordable and carefree. The reality is that not very many people are financially prepared for life after retirement, according to a new study by AARP. “We have a retirement savings crisis,” said Cathy MacCaul, advocacy director for AARP Washington. Forty-five percent of Washington adults have less than $25,000 in retirement savings and many have even smaller retirement nest eggs, the study showed. More than 77 percent surveyed said they were confident they will retire and no longer work because it’s something they want to do and they think they will have enough money saved to afford to retire. Most said their income in their retirement years will come from money they have saved in a 401K or other personal savings tool, but three in five have never calculated how much money they will need in retirement, according to the survey. “Why aren’t people saving? You have family, you have other obligations, you’re saving for a house, you’re feeling stretched,” MacCaul said. MacCaul said AARP is engaging with its members to help connect them with their children and grandchildren and share information they’ve learned about retirement and savings. “Given how little many of us are putting away for our retirement years, it makes sense that some consumers feel anxious about their financial futures,” said Doug Shadel, AARP state director, in a news release. “But it’s even more troubling to see how many Washingtonians are unaware of just how unprepared they are.” uAARP, Page 2

Richland man’s mission is to get veterans their due BY KRISTINA LORD

A Richland man who’s helped file more than 31,000 claims for VA assistance for veterans and their families is quick to shrug off any praise for his work. “I ain’t nothing but a secretary with hairy legs,” said Steve Prince, who served in the Marine Corps. The gruff but kind-hearted 64-yearold works at the Veterans Affairs office in Pasco helping veterans from World War II to Afghanistan file their paperwork. It’s a full-time gig. The veterans he’s assisted receive about $3 million a month in VA claims, he said. He’s been filing VA claims for about 21 years.

Prince is quick to point out that “it’s the vet who comes in with a problem” and that he’s just more familiar with the seven pages of instructions on the VA forms than most. Veterans must provide power of attorney for Prince to submit claims on their behalf. Prince has met veterans in airports, prisons, at the Fiery Foods Festival, senior homes and coffee shops. Some who served in the military suffer from post-traumatic stress disorder, or PTSD, and are afraid to walk into Prince’s office because they might feel confined. So Prince visits them elsewhere, said retired Army lieutenant colonel Skip Novakovich, president of the Port of Kennewick Commission. uVETERANS, Page 14

New nonprofit offers free home repairs for those in need BY JEFF MORROW for Senior Times

John Veysey watched with satisfaction as 60 volunteers helped spruce up five houses last month in a Pasco neighborhood near Shoshone and Third streets. Crystal Carter also was there and she was pleased too. “There are times in life where everybody needs a hand,” Carter said. “Together, we create this community we live in.” The Pasco neighborhood demonstration project was organized by Rebuilding Mid-Columbia, a new nonprofit whose

vision is “a safe and healthy home for every person.” Rebuilding Mid-Columbia, or RMC, is a volunteer organization which makes free home repairs for low-income homeowners who are elderly, disabled or have families with children. The group’s work helps preserve affordable housing, allows the elderly to age at home and keeps families with children or family members with disabilities safe in their home. There are few Tri-City organizations that can help people in need maintain their homes. uNONPROFIT, Page 9


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



Senior Times • November 2016

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

Staff Shawna Dinh

Design, Subscriptions 509-737-8778 ext. 4

Mike Haugen

Advertising Director 509-737-8778 ext. 2

Cathy MacCaul, advocacy director for AARP Washington, spoke about a new AARP survey to a group of more than 100 senior citizens last month during a MoneySmarts seminar in Kennewick. (Courtesy AARP Washington)

Melanie Hoefer

General Manager 509-737-8778 ext. 5

Kristina Lord

Editor 509-737-8778 ext. 3

Chad Utecht

Advertising Account Manager 509-737-8778 ext. 1

CONTRIBUTORS Jeff Morrow..................................... 1 Beau Ruff............................................ 7

Senior Times will be combining our December and January issues into one, which will publish in December. Senior Times accepts original columns from local professionals, educators and business leaders. The goal of these pieces is to share useful tips and knowledge helpful to seniors. It is best to contact the Senior Times office for a copy of contributor guidelines before submitting anything. Although we cannot publish every submission we receive, we will keep columns that best fit the mission and focus of Senior Times for possible future use. If there is news you’d like Senior Times staff to report on, or there are any topics you’d like to read about, please contact the news staff via email at or 509-737-8778. 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.


AARP, From page 1 The AARP study, called “Ready or Not: 2016 Survey of Retirement Readiness Among Washington State Adults,” was conducted as a telephone poll among 1,000 adults ages 18-64 working or looking for work in Washington state. Key findings from the study include: • More than half of those surveyed (55 percent) say they are very or somewhat anxious about their financial security during retirement. • 77 percent are somewhat confident they will one day be able to retire and no longer work, while 63 percent have never calculated how much money they’ll need to save for retirement. • 24 percent say they do not have a way to save for retirement at work. • More than 25 percent say retirement seems so far away that they will just get to it later. • What’s preventing them from saving now? Concern over current finances (55 percent), paying down debt (51 percent), not having extra income set aside (48 percent) and spending too much money (31 percent). AARP discussed the survey last month at a MoneySmarts seminar in Kennewick and at a Tri-Cities Hispanic Chamber of Commerce meeting.

Senior Times • November 2016


Social Security recipients to see modest bump in 2017 BY KRISTINA LORD

Social Security recipients will receive a modest increase in their benefits next year after getting no cost-of-living adjustments in 2016. Benefits for more than 65 million Americans will increase 0.3 percent in 2017, the Social Security Administration announced last month. The cost-of-living adjustment will begin with benefits payable to Social Security beneficiaries in January. Increased payments to more than 8 million Supplemental Security Income, or SSI, beneficiaries will begin on Dec. 30. Social Security benefits increased by 1.7 percent in 2015, 1.5 percent in 2014 and 1.7 percent in 2013. Benton County residents are receiving some of the highest annual Social Security payments in the state already, according to a recent study by SmartAsset, a personal finance technology company. Benton County is ranked No. 6 and Franklin County is No. 25 among the state’s 39 counties. Benton County averages $19,125 in annual Social Security payments with an annual cost of living of

$18,144, according to the SmartAsset study. That’s compared to Franklin County’s $17,775 for annual Social Security payments and $17,997 for the annual cost of living. The top county in the state for highest annual Social Security payments is Klickitat County, which boasts an average of $19,660 in annual Social Security payments and an annual cost of living of $17,095, the study said. SmartAsset also ranked the counties where Social Security payments would go the furthest. “We subtracted the county-level cost of typical living expenses from each county’s net Social Security income,” the study said. Benton County ranked No. 12 in the state and Franklin County came in at No. 29. Klickitat County was ranked No. 1. King County came in at No. 38. Social Security’s annual COLA increase is tied to the Consumer Price Index as determined by the Department of Labor’s Bureau of Labor Statistics. Some other adjustments that take effect in January of each year are based on the increase in average wages.

Estimated monthly average of Social Security benefits payable in Jan. 2017 Before 0.3 percent COLA

After 0.3 percent COLA


All retired workers



+ $5

Aged couple, both receiving benefits



+ $6

Widowed mother and two children



+ $9

Aged widower, alone



+ $4

Disabled worker, spouse and one or more children



+ $6

All disabled workers



+ $4

Source: Social Security Administration

Based on that increase, the maximum amount of earnings subject to the Social Security tax (taxable maximum) will increase to $127,200 from $118,500. Of the estimated 173 million workers who will pay Social Security taxes in 2017, about 12 million will pay more because of the increase in the taxable maximum. Information about Medicare changes for 2017, when announced, will be available at For some beneficiaries, their Social Security increase may be partially or completely offset by increases in

Medicare premiums. Visit to apply for benefits, open a Social Security account, find publications and get answers to frequently asked questions. Or call toll-free 1-800-7721213 (for the deaf or hard of hearing, call TTY number, 1-800-3250778). Case-specific questions can be answered from 7 a.m. to 7 p.m. Monday through Friday. Generally, there’s a shorter call wait time after Tuesday.

We move people, not boxes. Locally owned and operated. Serving the Tri-Cities since 1999.


Senior Times • November 2016

CALENDAR OF EVENTS Saturday, Nov. 5 9:30 – 11 a.m. Veterans Day Parade Van Giesen St., West Richland Free event.

Saturday, Nov. 12 7 – 10 p.m. 28th annual Tri-Cities Wine Festival Tri-Cities Wine Society Three Rivers Convention Center 7016 W. Grandridge Blvd., Kennewick

10 a.m. – 3 p.m. Native American Heritage Day Richland Public Library 955 Northgate Drive, Richland 509-375-0269 Free event.

Tuesday, Nov. 15 5:30 – 7 p.m. Winter Weatherization Workshop Franklin PUD Auditorium 1411 W. Clark St., Pasco RSVP 509-546-5967 Free event.

7:30 p.m. Mendelssohn’s Fifth Symphony Mid-Columbia Symphony Richland High School Auditorium 930 Long Ave., Richland

Wednesday, Nov. 16 Noon – 1 p.m. Veterans Healthcare in the Community Setting Tri-Cities Cancer Center 7350 W. Deschutes Ave., Kennewick RSVP 509-737-3427 Free event.

Wednesday, Nov. 9 7:30 – 8:30 a.m. Lighting the Path Breakfast Chaplaincy Health Care Three Rivers Convention Center 7016 W. Grandridge Blvd., Kennewick Tickets 509-783-7416

Thursday, Nov. 17 7 – 8 p.m. Presentation: Washington at War: The Evergreen State in WWI East Benton County Historical Society Museum 205 W. Keewaydin Drive, Kennewick 509-582-7704 Free event.

Friday, Nov. 11 11 a.m. Veterans Day Parade Downtown Prosser 509-786-3177 Free event. 6 – 9 p.m. Blessed to be a Blessing Center for Sharing Three Rivers Convention Center 7016 W. Grandridge Blvd., Kennewick Tickets 509-627-8556

Saturday, Nov. 19 8 p.m. Camerata Musica: Los Angeles Cello Quartet Battelle Auditorium 902 Battelle Blvd., Richland Free event. Tuesday, Nov. 22 1:30 p.m. Trios Holiday Cooking Demo Affinity at Southridge 5207 W. Hildebrand Blvd., Kennewick RSVP 509-222-1212 Free event. 7 p.m. Fall Band Concert Columbia Basin College Theatre 2600 N. 20th Ave., Pasco 509-542-5531 Free event. Sunday, Nov. 27 4 p.m. Family Christmas Festival Eric Barnard Depot Square Sixth & Seventh St., Prosser 509-786-3177 Free event. Wednesday, Nov. 30 3 – 5 p.m. Deck the Halls Affinity at Southridge 5207 W. Hildebrand Blvd., Kennewick RSVP 509-222-1212 Free event.

Thursday, Dec. 1 7 p.m. Fall Jazz Night Columbia Basin College Theatre 2600 N. 20th Ave., Pasco 509-542-5531 Free event. Tuesday, Dec. 6 7 p.m. Christmas at the Manor Columbia Basin Concert Band The Manor at Canyon Lakes 2802 W. 35th Ave., Kennewick 509-542-5531 Free event. Dec. 6 –7 7 – 9 p.m. A Celtic Christmas Concert Uptown Theater 1300 Jadwin Ave., Richland Wednesday, Dec. 7 11:30 a.m. Monthly meeting & luncheon National Active and Retired Federal Employees Association Red Lion Hotel 1101 N. Columbia Center Blvd., Kennewick Dec. 9 – 10 7 p.m. The Nutcracker Mid-Columbia Ballet Richland High School Auditorium 930 Long Ave., Richland Tickets 509-946-5417 Free event.

Bring your grandchildren and families to events with a star.

Fall times, Great times

Wonderful Deals! e A Tim

g! givin


ank h T f o

2-8 . v o :N .59/lb s 3 e $ n i w ff all t roasters ) - $3.99 o % • 20 riety reas a b v y ( e s k • Tur Smith Pie . . rry in u h • Mrs st—

ty i l p a p u u s ,q e While m ff a o n % d Bran cts 40-70 prices! l u prod nal retai o i t n e conv lies la

509-586-6306 1325 W. 4th Ave. • Kennewick

JOINT REPAIR AND RESTORATION with Stem Cell and Placenta transplant therapy. This is the most comprehensive program available. Combination therapy works in a synergistic manner for faster healing.


Prolozone Treatment Prolozone + AmnioFix Prolozone + Stem Cells


Call for y Free Con our sult 509-9432101

PEMF: pulsed magnetic field therapy Supplements: 1 month supply of stem cell enhancing supplement and joint support $100 value. We use amniotic live stem cells 15,000 cells per cc versus 1,500 cells per cc from fat derived cells. FINANCING AVAILABLE

NW Integrative Medicine

1200 N. 14th Ave. Suite 245, Pasco, WA | 509.943.2101

Senior Times • November 2016 uBRIEFS West Richland food bank opening delayed

Plans to open a West Richland food bank were unexpectedly delayed just before the scheduled mid-October opening date at the West Richland Senior Center. Space to accommodate two freezers and a refrigerator as well as enough electrical outlets proved to be a challenge at the senior center on North 60th Avenue, said Bill Kitchen, executive director of the Tri-Cities Food Bank. The Tri-Cities Food Bank is seeking a new location and hasn’t given up on opening in West Richland, Kitchen said. “We’ll either start paying rent or start looking at a capital project,” he said. “The numbers are there, the need is there, so we’re trying to do the best thing that we can.”

Nov. 6 seminar to help with end-of-life wishes

End of Life Washington will discuss how to communicate end-of-life medical wishes to loved ones and physicians during a meeting from 1:30 to 4:30 p.m. Sunday, Nov. 6 at Richland Public Library’s Gallery room, 955 Northgate Drive. Attendees will be guided through

the process of documenting their wishes and have a chance to work with the End of Life Washington Advance Directive, which combines a living will and a durable power of attorney for health care into one document. There is no cost for the seminar, documents or advance directive notarization. Call 206-256-1636 or email info@ to make a reservation.

AARP driver courses set for month

AARP will offer multiple Smart Driver courses throughout the region during the next month. Here’s the schedule: • 1 p.m. Monday, Nov. 7: Walla Walla General Hospital, 1025 S. Second Ave., Walla Walla. Call 509522-2424 to register. • 9 a.m. Tuesday, Nov. 8: Pasco Community Center, 1315 N. Seventh Ave., Pasco. Call 509-545-3459 to register. • 1 p.m. Tuesday, Nov. 8: Walla Walla General Hospital, 1025 S. Second Ave., Walla Walla. Call 509522-2424 to register. • 9 a.m. Wednesday, Nov. 9: Pasco Community Center, 1315 N. Seventh Ave., Pasco. Call 509-545-3459 to register. • 10:30 a.m. Monday, Nov. 14:

Charbonneau, 8264 W. Grandridge Blvd., Kennewick. Call 509-943-4979 to register. • 9 a.m. Monday, Nov. 14: Richland Community Center, 500 Amon Park Drive, Richland. Call 509-942-7529 to register. • 8:30 a.m. Monday, Nov. 14: SonBridge Community Center, 1200 S.E. 12th St., College Place. Call 509529-3100 to register. • 10:30 a.m. Tuesday, Nov. 15: Charbonneau, 8264 W. Grandridge Blvd., Kennewick. Call 509-943-4979 to register. • 9 a.m. Tuesday, Nov. 15: Richland Community Center, 500 Amon Park Drive, Richland. Call 509-942-7529 to register. Participants are encouraged to check with their automobile insurance agent for details about a discount that may be available for taking the course. For more information or to find additional courses, visit or call 888-227-7669.

VA health coordinator to speak at cancer center

In honor of Veterans Day, the TriCities Cancer Center in Kennewick is holding an event Wednesday, Nov. 16 for those interested in veterans’ health benefits. Registered nurse David Aguilar,


community health coordinator at the Walla Walla VA, will discuss new approaches on how services are referred, coordinated and delivered for veterans. Call 509-737-3427 to RSVP by Nov. 14. A free lunch provided with RSVP. The cancer center is at 7350 W. Deschutes Ave. in Kennewick.

Cancer 101 series aims to educate

Northwest Cancer Clinic is hosting a support series that brings physicians together to educate cancer patients, survivors and caregivers about patient care services to help manage symptoms and what to expect before, during and after treatment. The Cancer 101 class is from 4:30 to 5:15 p.m. the first Thursday of each month at 7379 W. Deschutes Ave., Suite 100, Kennewick. Northwest Cancer Clinic, led by Dr. Brian Lawenda, is a 21st Century Oncology affiliate. Call 509-987-1800 or visit for more information.

Lost cane at Senior Times Expo seeks owner

A cane was left behind at the fall Senior Times Expo, held Oct. 18 at the Pasco Red Lion. Call 509-737-8778 to identify.

Get local senior news every month in your mailbox

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

o One year $21.67

o Two years $34.70

o Three years $42.30

Name Business Name (if applicable) Address





E-mail Card Number

Exp. Date

Name on card

3 Digit Code

Billing Address (zip code too!)

Mail completed forms to: 8919 W. Grandridge Blvd., Ste. A1 / Kennewick, WA 99336 509-737-8778 /

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


Senior Times • November 2016

Medicare open enrollment underway through Dec. 7 BY SENIOR TIMES

Parkview Estates would like to wish you a warm and happy holiday season Whether the search is for a short-term respite stay or long-term living options, we invite you to visit Parkview Estates and experience our commitment to bringing independence to living and quality to life.

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

Medicare’s open enrollment period for prescription drug plans (Part D) and Medicare Advantage runs through Dec. 7. The Washington state insurance commissioner’s Statewide Health Insurance Benefits Advisors, or SHIBA, program is geared up to provide assistance. “Just like the past few years, many Medicare plans are changing again this year,” said Insurance Commissioner Mike Kreidler in a news release. “Open enrollment is the time to review your existing coverage as well as look at other plans that might better meet your needs.” SHIBA offers free help to people with Medicare questions. “Our unbiased, statewide-network of trained volunteers help people answer questions and evaluate plans, and even search for plans online,” said Kreidler. “We also offer assistance with original Medicare and other Medicare-related plans.” Before making a decision, the insurance commission suggests these tips: • Plan costs and coverage can change every year, so carefully review all letters and notices your provider sends you. • Make a list of all current pre-

uBRIEFS Providence, Premera sign three-year contract

Premera Blue Cross and Providence Health & Services and its partners, PacMed and Kadlec have signed a three-year contract that will take effect Jan. 1. The agreement is for Premera’s Heritage Plus network—commercial/employer-sponsored plans, and does not include Premera’s Heritage Prime or individual networks Heritage Signature and LifeWise Connect, both of which are available through on Washington Health Benefit Exchange. Providence continues to participate in the Medicare Advantage plans for seniors 65 and older. Visit for more information.

Chaplaincy’s Lighting the Path set for Nov. 9

Chaplaincy Health Care’s annual Lighting the Path benefit breakfast is from 7:30 to 8:30 a.m. Wednesday, Nov. 9 at the Three

scription drugs you take, the doses, and how often. Then, use the Plan Finder at to compare Part D plans. • Review the 2017 “Medicare & You” handbook. You should have received it in October. • If you have questions, call SHIBA at 800-562-6900 before you sign up. • If you have limited income and need help paying for prescription drugs, you might qualify for the “Extra Help” program. To see if you do, SHIBA can tell you more about the program and help you apply. To schedule an appointment with a SHIBA volunteer: • Call the Insurance Consumer Hotline at 800-562-6900 and ask to speak with a SHIBA volunteer in your local area. • Visit For help with Medicare in other languages, call: • Spanish, Medicare, 800-633-4227 • Spanish, National Alliance for Hispanic Health, 866-783-2645 • Korean, National Asian Pacific Center on Aging, 800-582-4259 • Chinese, National Asian Pacific Center on Aging, 800-582-4218 • Vietnamese, National Asian Pacific Center on Aging, 800-5824336

Rivers Convention Center in Kennewick. Chaplaincy Health Care offers hospice, palliative and grief care, as well as behavioral health support. Donations will be accepted during the program. RSVP by calling 509-783-7416 or emailing

Nov. 19 turkey drive first-come, first serve

Second Harvest’s annual Turkey Drive is underway. The nonprofit aims to feed 2,000 local families in need with donations of a holiday food box. Meal boxes will be distributed on a first-come, first-served basis from 11 a.m. to 1 p.m. Nov. 19 at TRAC in Pasco. AgriNorthwest, Lamb Weston, Easterday Farms, H.R. Spinner, Jacobs Radio, the Dairy Farmers of Washington and a number of local businesses are providing food, funds and promotional support. Visit for more information.

Senior Times • November 2016


Creating a family legacy: 529 college savings plan or a testamentary trust? BY BEAU RUFF for Senior Times

When people sit down to do estate planning with an attorney or to discuss strategy with a financial planner, many want to provide some kind of legacy for their family. Oftentimes, the legacy comes in the form of the desire to ensure the family has access to a high-quality education. The concept starts like this: “I want to set up a trust so that I can pay for my grandchildren’s college.” But, after a more thorough discussion, the main goal is to provide some kind of money to help pay for college. So, is it better to put some money in a trust in your will? Or should you use a 529 plan?

What are they?

A 529 plan is an education savings plan operated by a state or educational institution designed to help pay for college by offering tax advantages. Created in 1996, these plans are named after Section 529 of the Internal Revenue Code. It was created by Congress and provides that earnings are not subject to federal tax when used for qualified educational expenses. A trust is a tool that allows a person (Grantor) to put money or other assets into a vehicle (the trust) for the benefit of another person (the beneficiary). The trust is often incorporated in your will by directing that certain assets or property are to be distributed to, for example, the “Grandchildren’s Educational Trust.”

expenses, including tuition, fees, supplies, books and room and board. And, with both, you have some flexibility in changing the beneficiary. For example, when transferring the benefit to a sibling.

How are the options different?

There are many differences in the options. A trust is usually established in your will and only effective upon your death (a testamentary trust). Unlike the 529 plan, a trust requires the expertise of an attorney to draft the trust terms. And, once effective, all trusts have certain administrative requirements such as: (1) a “Trustee” who is typically paid a fee to manage the trust; (2) certain annual reporting requirements to keep the trust beneficiaries informed of the trust; and (3) annual tax return filings. It is also important to note that trusts generally pay the highest level of income taxes and they enjoy none of the tax-free growth that the 529 plan features. The trust provides the greatest flexibility in administering and distributing assets to the beneficiary. The trust can be used to provide money to the beneficiary much more broadly than the 529 plan.

Indeed, it can be used for virtually any reason the Grantor (the person setting up the trust) can dream up: a down payment on a Beau Ruff house, to pay Cornerstone for a marWealth Stategies riage, to pay health care expenses, to encourage savings by contributing matching funds to a savings account, to pay for schools that are not authorized by the 529 plan (though generally any school that qualifies for federal financial aid qualifies for the 529 plan), etc. Though there is no specific limit on contributions to the 529 plan, if you contribute more than $14,000 in any given year to a child’s 529 plan (or $28,000 for a married couple), you may have to file a gift tax return and potentially even pay gift tax. But, you should note that there is also the opportunity to report contributions to 529 plans over a fiveyear period which increases the amount you can contribute without

any gift tax implication. The testamentary trust has no such requirement.

How do I decide which to use?

One key decision in determining which method to use is to decide when you want to fund the education. If you are not in a position to dole out $14,000 per beneficiary right now, but your estate has assets that could be used to fund education after your death (think house and cars and other assets) and the beneficiaries are not going to college anytime soon, then it might be best to set up the testamentary trust to fund education. If instead, you do have cash sitting around and you’d like to make current gifts, the 529 plan might be the best choice. Generally, the 529 plan is simpler to set up and administer than the trust and generally less costly. Attorney Beau Ruff works for Cornerstone Wealth Strategies, a full-service independent investment management and financial planning firm in Kennewick, where he focuses on assisting clients with comprehensive planning.

How are the options similar?

Both options provide a mechanism to pay for college. Both also can be invested. They each provide some form of restriction on the use of the money. They can both pay for all kinds of higher education

Caregivers Needed!

89.7fm NPR NEWS & 89.1fm CLASSICAL

• Work flexible hours • Bring happiness to local seniors • Excellent training & compensation • Become friends with local seniors Call for more information 509-378-3865


Senior Times • November 2016 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)


Family Home Care acquires AtHome Care BY KRISTINA LORD

A longtime provider of in-home private health care in Eastern Washington and Idaho has bought AtHome Care, which has an office in Kennewick. Liberty Lake-based Family Home Care acquired AtHome Care, a 30-year provider of in-home services based in Boise, Idaho, with offices in Kennewick and Spokane. The acquisition was finalized Oct. 9. The combined businesses will

employ 385 part-time and 25 full-time workers to serve more than 600 families through Eastern Washington. Twenty caregivers will work in the TriCity area. The transaction also will result in Family Home Care entering the Boise and Tri-City markets for the first time as part of a strategic initiative to expand geographic reach. “In acquiring AtHome Care, it gives us a new presence and we’ve been met with open arms down there,” said Dean Roberson, vice president of business development at Family Home Care. J. Wayne Irish, CEO/owner of Your Problems Solved Inc., doing business as AtHome Care, said when his company contemplated selling, it looked for a company with similar values and integrity. “The first name that came to our minds was Family Home Care. They have always been a good neighbor, always dealt fairly and most importantly had an uncompromising reputation in the market. We could not be happier with our choice to continue the care for our clients and to continue employment of our staff with such a great organization,” Irish said in a news release. Family Home Care provides personal in-home care to its clients on an hourly basis. Established in 1966, it serves hundreds of clients in Spokane, Whitman, Benton, Franklin and Asotin counties in Washington and Kootenai, Latah, Nez Perce, Ada, and Canyon counties in Idaho. All client care is supervised by health care professionals and registered nurses to guarantee they receive the best care possible, Roberson said. Types of care provided include personal care, from bathing assistance and dressing to assisting with grooming and toileting; transportation; medication assistance; meal preparation; light housekeeping; pet walking and care; assistance with exercise programs; transferring and positioning while confined to a bed; companionship; nursedelegated care such as catheter, ostomy and wound care; and respite care to give caregivers a break. Current AtHome Care customers shouldn’t notice any changes in service, Roberson said. “We have gone above and beyond to be the best home care provider in the area. We go out of our way to do that,” he said. For more information, contact Family Home Care at 509-586-9870, 6855 W. Clearwater Ste. H Kennewick or online at

Senior Times • November 2016  NONPROFIT, From page 1 “It’s estimated that here in the TriCities 40,000 people live with the prospect of sub-standard housing,” said Carter, executive director of RMC. RMC is a continuation of the work Veysey and Carter have been doing since at least 2012. Veysey, who is the manager of plant engineering, technical support and maintenance at Areva Inc. in Richland, has helped rebuild and improve homes for years.

“It’s estimated that here in the Tri-Cities 40,000 people live with the prospect of substandard housing.” - Crystal Carter, executive director of RMC “I was involved in Rebuilding Together Savannah (in Georgia) before I came to the Tri-Cities,” he said. “I saw the impact it had on the community there.” It was Veysey who convinced TriCounty Partners Habitat for Humanity in 2012 to start a similar program in the Tri-Cities, called IMPACT, or

Individuals Mobilizing People and Communities Together. Through IMPACT, about 150 improvement projects were completed in four years. Veysey said Areva and its employees were involved in a third of the IMPACT projects. “Seventy-five to 100 of the employees come help at various times,” he said. But by the beginning of 2016, Veysey and Carter – who ran the IMPACT program for Habitat – were told that Habitat couldn’t continue the program. Habitat had a backlog of too many homes and projects that demanded too much time. “Habitat is taking on huge projects,” Carter said. “But they’ve been pretty great at referring people to us.” In the spring, Veysey and Carter began the process of getting 501(c)3 status for Rebuilding Mid-Columbia. RMC got the nonprofit status in September. For the most part, RMC is a continuation of the IMPACT program. But the group has had to restart the fundraising process. “My top job is bringing in sponsorships and working with the families,” Carter said. Veysey said money is the big thing.

Thank You Tri-Cities!

About 60 volunteers for Rebuilding Mid-Columbia work to make improvemetns to a Pasco home last month. The new nonprofit makes free home repairs for low-income homeowners who are elderly, disabled or have families with children. (Courtesy Rebuilding MidColumbia)

“The more important thing right now is getting some donations,” he said. “We plan to do about 30 projects a year. The estimated cost is about $2,000 a project. But we plan to raise between $80,000 to $100,000 for the 30 projects.” That means going to charitable organizations and making presentations. Just like IMPACT did, RMC has two Rebuilding Days – one in May and one in October – that help to spruce up a neighborhood. But RMC also hosts a program

that addresses the urgent needs of families. Homeowners can qualify for this program if their needs are a matter of safety or mobility, and those needs can’t wait until the next Rebuilding Day. That’s why the week of the demonstration project, RMC had eight other projects going on. “We have 60 qualified applicants in our program right now, and many of those have urgent needs,” Carter said. “Ninety-two percent of applicants qualify for urgent need.” uNONPROFIT, Page 10

We would like to thank the exhibitors and the many hundreds of seniors, family members and caregivers who attended our Fall Senior Times Expo.

Mark your calendars! The Spring Senior Times Expo will be Tuesday, April 18, 2017.

Congratulations to the winners of “Hunt for the Treasure” Winners will be notified by phone.

Albertsons gift cards Jack B. & Georgia I. Barnes & Noble gift card Elaine S. Goodie Bag (Ben Franklin Transit) Clyde M. Serving Tray (Cruise Vacation Organizer) Darlene P. $250 Help-U-Move Certificate Tricia S.

509-737-8778 •

Tickets to Ragtime (Mid-Columbia Musical Theatre) Dan C., Geraldine H. & Barb P. Tickets to Circle of the Fifth (Mid-Columbia Symphony) Theresa S. & Betty R. Mini Facial (Rodan + Fields) & Tri-City Americans tickets Fred P. Target gift card Felix A. Brought to you by the


Dinner for Two & Goodie Bag (United Way) Lynell A. Plant seeds (WSU Master Gardener) & Tri-City Americans tickets Rhonda M. Olive Garden gift card Conchita M. Wine gift basket (Beltone Hearing Care Center) Sidney S.

Special thanks to our sponsors


Senior Times • November 2016  NONPROFIT, From page 9 This includes elderly people in wheelchairs or a family with two young boys in wheelchairs who live in homes with no ramp. “People who are prisoners in their John Veysey own home, to see them get their freedom back is wonderful,” Carter said. “A person who only has Social Security coming in might have just $750 a month. They have to pay rent, for food and other things. They can’t afford to pay for a ramp to get in and out of their house.” That’s where Veysey comes in, and why he loves this kind of charity work. “There are two elements to it,” he said. “First, I love giving back to the community. We’re pretty blessed with this community. Second, because I’m an engineer, I love to organize stuff.” During last month’s demonstration project, Veysey was there before the volunteers arrived, setting up the needed supplies at each home. Four of them were getting paint jobs. The fifth house was getting a brand new front porch. Veysey had 24 ladders on his truck,

with some scaffolding thrown in. All of the paint was donated. By the time those 60 volunteers arrived at 8 a.m., Veysey directed them to a house and told them what to do. “By having five houses together, we can move people from one house to another easily,” Veysey said. “One of the things I Crystal Carter try to do in organizing the project is make sure everyone gets a great experience. The project usually starts at 8 a.m., and they’re done by 3 p.m. Almost all 60 volunteers (from this project) want to come back. Oneday projects are the key to our volunteers.” And RMC has used many so far this year. There have been 800 donated man-hours to date. “But we’re always looking for volunteers,” Veysey said. And sponsors. And people in need. For anyone wanting to work with Rebuilding Mid-Columbia, or anyone needing help, contact the group at 253-753-8324 or find on Facebook to fill out an application.

A Rebuilding Mid-Columbia volunteer paints a Pasco home as part of a work party last month. The new nonprofit received its nonprofit status in September. It is seeking volunteers and those in need of assistance as well as raising money for more projects. (Courtesy Rebuilding MidColumbia)

WHY MOVE WITH BEKINS? Bekins does...

Senior Moves Thank you to all the seniors who visited us at the Fall Senior Times Expo on Oct. 18. 509-547-9788 1100 Columbia Park Trail Richland, WA

Senior Times • November 2016


Kennewick Senior Center

500 S. Auburn St., Kennewick • 509-585-4303 All acitivies 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. 9 a.m. to noon Fridays. Cost: $1. • 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. • 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. • 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. • Blood Pressure Checks: No appointment needed. Third Wednesday of each month, 9:30 to 11 a.m. Cost: Free. • Line Dancing: 6 to 7 p.m. Mondays. Cost: $18 for residents, $27 for others. Call 509-585-4293 to register.

Pasco Senior Center

1315 N. Seventh Ave., Pasco • 509-545-3459

All acitivies are at the Pasco Senior Center unless otherwise listed. For more information, call 509545-3459. • 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: 50 cents per day. • Cribbage: 1 to 3 p.m. Wednesdays and Fridays. Cost: 50 cents per day. • Billiards: 8 a.m. to 5 p.m.

Monday through Friday. Cost: $1 per day. • Mexican Train Dominoes: 1 to 4 p.m. Thursdays. Cost: Free. • Pinochle: 7 to 9 p.m. Tuesdays and Fridays. Cost: $1 per day. • Computer Lab: 8 a.m. to 5 p.m. Monday through Friday. Cost: Free, 15 cents per copy. • Wavemakers Aqua Fit: Good for those with arthritis, fibromyalgia, lower back pain, muscle weakness, those who use a cane or a walker and anyone who loves the pool. 11:45

a.m. to 12:30 p.m. Mondays/ Wednesdays or Tuesdays/ Thursdays or 5:15 to 6 p.m. Tuesdays/ Thursdays. Cost: $80 for residents, $100 for others. Location: Oasis Physical Therapy, 6825 Burden Blvd., Suite D, Pasco. Call 509-5453456 to register. No classes Nov. 24. • Enhance Fitness (40+): Class focuses on stretching, balance, low impact aerobics and strength training. 10 to 11 a.m. Mondays, Wednesdays and Fridays. Cost: $25 for residents, $31 for others. Call

509-545-3456 to register. No classes Nov. 11, 23, 25. • Happy Feet program (60+): Get your feet cared for by a licensed register nurse. By appointment 9 a.m. to 3 p.m. Tuesdays, Wednesdays, Thursdays. Cost: Free with suggested donation of $12-15 per person. Call 509-545-3459. • Foot Care for Adults (18+): Get your feet cared for by a licensed register nurse. By appointment only, 9 a.m. to 3 p.m. Cost: $30. Call 509545-3459.


Senior Times • November 2016

Richland Community Center 500 Amon Drive, Richland • 509-942-7529 All acitivies are at the Richland Community Center unless otherwise listed. For more information, call 509942-7529. • American Mahjong: 12:30 to 4:30 p.m. Thursdays. Cost: free. Location: lounge. • Birthday Club Social: Second Tuesday of each month, Noon to 12:30 p.m. 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. • Pie Socials: Third Tuesday of each month, noon to 12:30 p.m. Cost: free. Location: lounge. • Gold Age Pinochle: 6:30 to 9 p.m. Fridays. Cost: $1 per day. Location: game room. • Duplicate Bridge: 12:30 to 3:30 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. • Greeting Card Recycling: 9 to 11 a.m. Mondays. Cost: free. Location: meeting room. • New Attitude Line Dancing Beginner: 1 to 2 p.m. Tuesdays. Cost: $28.50 for residents, $35.50 for others. Location: Riverview room. Call 509942-7529 to register. • New Attitude Line Dancing Improver: 1 to 2 p.m. Thursdays. Cost: $18 for residents, $22.50 for others. Location: Riverview room. Call 509-942-7529 to register. • RSA Dance: Third Friday of the month, 1 to 3:45 p.m. Cost: $6 per person. Location: Riverview room. • Steppin’ Out with Jo: 9 to 10 a.m. Mondays, Wednesdays and Fridays. Cost: $16.50 for residents, $20.75 for others. Location: Riverview room. Call 509-942-7529 to register.

• Patti’s Workout: 4 to 5 p.m. Mondays, Tuesdays and Thursdays. Cost: $34.75 for residents (drop-in rate $5), $43.50 for others (drop-in rate $6). Location: Riverview room. Call 509-942-7529 to register. • Slim & Sassy Body Shape: 5:05 to 6:20 p.m. Wednesdays. Cost: $33 for residents, $41.25 for others. Location: Riverview room. Call 509942-7529 to register. • Tai Chi: 7:35 to 8:35 p.m. Tuesdays and 6 to 7 p.m. Thursdays. Cost: $20.50 for residents (drop-in rate $4), $25.75 for others (drop-in rate $5). Location: Riverview room. Call 509-942-7529 to register. • Foot Care for Fabulous Feet: Get your feet cared for by a licensed registered nurse. By appointment 9 a.m. to 2 p.m. Thursdays. Cost: $30.

Location: Wellness room. For an appointment, call 509-942-7529. • Walk at the Richland Community Center: 8 to 9 a.m. Mondays, Wednesdays and Fridays. Cost: Free. • 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. • By the Book Knitters: Third Tuesday or each month, 6 to 8 p.m. Cost: free. Location: Richland Public Library. For more information, call 509-942-7454. • Quilting at the Library: 9:30 a.m. to 9 p.m. Tuesday, Nov. 8. Snacks provided. Bring your supplies and sewing machine. Cost: Free. Location: Richland Public Library.

West Richland Senior Center 616 N. 60th, West Richland • 509-967-2847 All acitivies are at the West Richland Senior Center. For more information, call 509-967-2847. • Bunco: Friday, Nov. 18. Potluck lunch starts at noon, bunco at 1 p.m. • Potluck luncheon: 1 p.m. Tuesday, Nov. 8. Sponsored by Brookdale Richland. • TOPS (Take Off Pounds Sensibly) Fitness: 11 a.m. Thursdays (no class Nov. 24).

• Exercise: 9 a.m. Tuesdays and Thursdays (no class Nov. 24). Sponsored by Visiting Angels. • Lunch and Bingo: Monday, Nov. 21. Hot dog lunch is at noon, bingo starts at 1 p.m. Cost: $3 suggested donation. • Christmas card making class: 10 a.m. to noon Saturday, Nov. 19. RSVP 509-713-3868.

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 • November 2016


Just for Fun What are you enjoying most about your senior years?

Donald L. Provencher, 77, of Burbank

John and Sandy Pietrusiewicz, of Pasco

“Not having a difficult work schedule. Not working. Having a lot of time at home and having a lot of free time. Not having the morning get-up routine.”

“Train travel,” said Sandy, 74. “Our vacation starts the minute we step on a train,” said John, 78.

Janet Boynton, 73, of Pasco

Howard Brager, 79, of Richland

Stella Sako, 82, of Kennewick

“My husband and I are hosts at campgrounds during the summer. It is so much fun. The fact that we can do it is a blessing.”

“Being vertical.”

“Not having to get up every day to go to work. I’ve been retired since I was 43 years old. I was an RN.”

Marlys Hayden, 70, of Kennewick (right) “I like to travel. I take dance lessons — western, tango, rhumba, fox trot, waltzes. I love to dress up to dance. I go to the gym five days a week.”

Roger Ungerecht, 80, of Pasco

“The chance to enjoy hobbies. Mine is sewing.”

“I don’t like it. I want to be 21 again.”

“I don’t know. They’ve gone by too fast.”

Sudoku - Tough

2 2 32


© 2016 Syndicated Puzzles

9 89

Easy Easy

2 1 81 8 2 5 4 4 2 6 24 4 7 7 28 2 2 23 2 2 24 4 2 3 9 3 4 9 96 6 4 5 1 3 3 2 3 34 3 1 1 7 67 6 5 5 7 7 2 92 9 9 9 2 2 6 1 6 5


“The leisurely time. You get to travel whenever you want and you get to see the grandkids whenever you want.”


© 2016 Syndicated Puzzles

Str8ts - Easy


Bobbie Lorenzen, 68, of Pasco (left)

Tough Tough

2 5 6 2 37 7 9 1 1 5 1 9 49 9 6 1 8 5 8


Turn Back the Clock...


Nov. 2: The Cuban Adjustment Act goes into effect allowing 123,000 Cubans the opportunity to apply for permanent residence in the U.S.

6 5


© 2016 Syndicated Puzzles

Fred Paine, 91, of Benton City

© 2016 Syndicated Puzzles

Gail Eilmes, 74, of Connell

Nov. 27: The Washington Redskins defeat the New York Giants 72-41 in the highest scoring game in NFL history.

How to beat Str8ts – To complete Sudoku, fill the board by entering How no to beat – 1 to 9 can repeat in any row Like Sudoku, singleStr8ts number complete fill column the board entering Solutions on page 15 1 To numbers to 9 such thatSudoku, each row, andby3x3 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 black column. But...into rows and columns are2 1 divided by squares compartments. 4 5 contains But everyrows number uniquely. How toEach beat Str8ts - No single orbox column. and columns are divided by divided by black squares into compartments. compartment must form a number, straight - 1 to 9, 6can 25 13 2in 4any 5 row For many strategies, hints and tips, 4 repeat Each compartment must form a straight a set of numbers with no gaps but it can be For many strategies, hints and tips, no gaps but it can be in black squares into compartments. Each compartment must - a set offor numbers with 62 41 form 5 visit 3 2straight Sudoku 4 5 in any order, in black a seteg of[7,6,9,8]. numbersClues with no gapscells but it can be and for Str8ts. visit for Sudoku and are not part of 4 5 2 1 any order, eg: 7, 6, 8, 9. Clues in black cells remove that number as an option in that row and column, 4 cells 3 6 2 1 5 remove that number option inClues that row in any order,asegan[7,6,9,8]. in black and for Str8ts. and column, and that are not part of remove number asany an straight. option in that any straight. 3 row 5 2 41 34 6 2 If 1you5like Str8ts and other puzzles, check out our Glance atand thecolumn, to see iPhone/iPad and much more on ourcheck and arehow not ‘straights’ part of any straight. If you likeApps and other puzzles, out our 5 entering 2 1 books, 4 numbers 1 33 by Rules of Sudoku -solution To complete Sudoku, fill the2board 1 toStr8ts 9 such that each row,store. column and 3x3 box are formed. Glance at the solution to see how ‘straights’ books, iPhone/iPad Apps and much more on our store. 2 and 1 3tips, visit and contains ever are number uniquely. For more strategies, hints formed.

Str8ts example


Senior Times • November 2016

VETERANS, From page 1 “He makes sure they know they’re OK and they open up and Steve makes sure they get the benefits they deserve,” Novakovich said. “He beats the service of the VA hands down.” Prince said veterans share a special connection. “I know what they’ve been through,” he said. He told one story about an $80,000 check one of his clients — an “old sailor” who was homeless — received that included back pay, a monthly stipend and free medical and dental care. “I’m continuing to do it because I love my vets. I am one. I lost a lot of

friends who were vets,” Prince said. He’s also lost family. His brother Rex Prince of Kennewick, a Marine helicopter mechanic, died of heart problems at age 47. A week after his brother died, Prince found out he was eligible to receive free heart medication through the VA. His brother didn’t know he qualified for assistance and couldn’t afford medical care. “He has a tremendous heart for veterans because of his background with his brother, obviously. He has a tremendous heart to serve veterans who don’t know what to do,” said Novakovich, who’s known Prince for 10 years.

Prince said he simply wants to ensure the government’s guaranteed medical coverage is provided to veterans who qualify. “When I enlisted, I was told I’d never have to worry about health care. I want to make sure the government delivers on its promise,” he said. Prince spent four years in the Marines, from 1970-74, providing security for President Richard Nixon at Camp David and in San Clemente, California. “I liked Nixon a lot as a person. You can’t have any politics. I knew him as a person, not as a president,” Prince said.

Prince worked for 23 years on the Hanford Patrol before a heart attack disqualified him from service. As he helps veterans navigate the complex VA system, he must deal with his own medical challenges. He has Type 2 diabetes, cataracts, peripheral neuropathy and has had three heart attacks, leaving him with half a working heart. He also has three brain aneurysms which could rupture at any time. Prince said he doesn’t spend a lot of time thinking it. “I do the best I can with the time I have,” he said. And a good chunk of that time is spent filing VA paperwork. Prince started doing the work as a volunteer but since has become a paid employee of the Vietnam Veterans of America, which the state VA contracts with. He says the most important part of his job is listening to vets. He’s also honest with them. If a veteran doesn’t qualify for VA services, he lets them know. “I’ve got vets who need help who flat out don’t qualify and I’ll tell them so,” he said. To reach Prince, call 509-4604703 or visit him at the Goodwill Industries building, 3521 W. Court St., in Pasco. His office hours are 9 a.m. to 3 p.m. Monday, Tuesday, Thursday and Friday. On Wednesdays, he visits those who are home bound and senior citizens.

Senior Times • November 2016

Holiday Bazaars Nov. 4-5 • Crafty Bazaar: 9 a.m. to 4 p.m.

Friday, Nov. 4 and Saturday, Nov. 5 at West Highlands United Methodist Church, 17 S. Union St., Kennewick. Handcrafted items and baked goods for sale. Sloppy joe lunch served Saturday only.

Nov. 4-6

• Custer’s Christmas Arts & Crafts Show: 10 a.m. to 8 p.m. Friday, Nov. 4, 10 a.m. to 6 p.m. Saturday, Nov. 5, and 10 a.m. to 4 p.m. Sunday, Nov. 6 at TRAC, 6600 Burden Blvd., Pasco. Professional artists and crafters selling holiday gifts and gourmet food. Admission: Adults $7, kids 12 and under are free.

Saturday, Nov. 5

• Maya Craft Show: 9 a.m. to 3 p.m. at Maya Angelou Elementary, 6001 Road 84, Pasco. More than 80 vendors selling arts and crafts, vintage goods, fine arts and food. Admission is $2 for ages 12 and up, 12 and under are free. • Lord of Life Bazaar: 9 a.m. to 4 p.m. at 640 N. Columbia Center Blvd., Kennewick. Craft items, bake sale, silent auction items.

Nov. 11-12

• St. Joseph’s Arts & Crafts Bazaar: 9 a.m. to 5 p.m. Friday, Nov. 11 and 9 a.m. to 4 p.m. Saturday, Nov. 12 at St. Joseph’s Dillon Hall, 520 S. Garfield St., Kennewick. Arts and crafts items, silent auction, drawing, food and beverages.

Saturday, Nov. 12

• Third annual Holiday Bazaar: 10 a.m. to 3 p.m. at Affinity at Southridge, 5207 W. Hildebrand Blvd., Kennewick. Crafts, handmade goods, jewelry and other items. Silent auction to benefit Safe Harbor. 509222-1212. • Guardian Angel Homes’

Holiday Bazaar: 9 a.m. to 3 p.m. in the Guardian Angel Homes Community Center, 245 Van Giesen St., Richland. Hand-crafted Items, lunch and beverages will be available for donation. Proceeds go to the state chapter of the Alzheimer’s Association. • Southridge Music Boosters Bazaar: 9 a.m. to 4 p.m. at Southridge High School cafeteria, 3520 Southridge Blvd., Kennewick. Homemade arts and crafts, bake sale and beverages. Event supports Southridge high school music. Admission: Adults $2, kids 12 and under are free. • Richland Senior Association Holiday Bazaar: 9 a.m. to 4 p.m. at Richland Community Center, 500 Amon Park Drive, Richland. Arts and crafts items, drawing. • Academy of Children’s Theatre Holiday Bazaar: 9 a.m. to 3 p.m. at Academy of Children’s Theatre, 213 Wellsian Way, Richland. • Kennewick Pasco Moose Lodge Holiday Bazaar: 9 a.m. to 3 p.m. at Kennewick Pasco Moose Lodge 482, 2617 W. Sylvester St., Pasco. • Fall Craft Bazaar: 9 a.m. to 4 p.m. at Jason Lee Elementary, 1750 McMurray Ave., Richland. More than 30 craft and food vendors. Admission is $2 for adults, 18 years and under are free.

Saturday, Nov. 19

• Horse Heaven Hills Middle School Holiday Bazaar: 9 a.m. to 3 p.m. at the school, 3500 S. Vancouver St., Kennewick. Sponsored by the school’s Parent Teacher Organization, the third annual bazaar features handcraft vendors, door prizes and food vendors. Free admission. • Marcus Whitman Elementary School’s annual Winter Bazaar: 9 a.m. to 3 p.m. at 1704 Gray St., Richland. Free admission. Silent auction, bake sale, items from local artisans including jewelry, home decor,

crafts and a photo booth. Proceeds go toward the school’s Parent Teacher Organization. • Favorite Things Holiday Craft Bazaar: 9 a.m. to 4 p.m. at Columbia Community Church, 150 Gage Blvd., Richland. Free admission. • East Benton County Historical Society Holiday Bazaar and Bake Sale: 9 a.m. to 3 p.m. at 205 Keewaydin Drive, Kennewick. Vintage Christmas decorations and homemade baked goods. For more information call 509-582-7704. • Lewis & Clark Elementary Holiday Bazaar: 9 a.m. to 3 p.m. at Lewis & Clark Elementary, 415 Jadwin Ave., Richland. Gift items, raffles and commercial vendors. • Calvary Chapel Make A Difference Bazaar: 8 a.m. to 4 p.m. 10611 W. Clearwater Ave., Kennewick. More than 80 vendors will be sharing their handmade crafts and treats. All proceeds and donations go to support ministries in Africa (New Heritage Ministry) and India (India CCTC), and canned food donations go to Second Harvest. • Charbonneau Retirement Holiday Bazaar: 9:30 a.m. to 4:30 p.m. at Charbonneau Retirement, 8264 W. Grandridge Blvd., Kennewick. Homemade items and direct sales vendors. Free admission.

Saturday, Dec. 3

• Bethel’s Christmas Crafter’s Market: 9 a.m. to 3 p.m. at Bethel Church, 600 Shockley Road, Richland. The market will be supporting the Communities in Schools program, the nation’s largest dropout prevention program. • Badger Mountain Elementary Holiday Bazaar: 8 a.m. to 4 p.m. at 1515 Elementary St., Richland. Admission: $3 for adults, free for children 12 and under. • Southgate Elementary Holiday Bazaar: 9 a.m. to 3 p.m. at Southgate Elementary, 3121 W. 19th Ave., Kennewick. • Alternative Gift Fair: Noon to 4 p.m. at Community Unitarian

Universalist Church, 2819 W. Sylvester St., Pasco. Give the gift of charitable donations benefitting local, national and international nonprofits. • Confection Selection & Gift Emporium: 9:30 a.m. to noon at Grace United Reformed Church, 2500 W. Fourth Ave. in Kennewick. Choose your favorite fudge, cookies, caramels, divinity, candies, biscotti, chocolates and pay by the pound. Handmade gifts, including jewelry, centerpieces, textiles. All proceeds benefit the Tri-Cities Pregnancy Network.

Saturday, Dec. 10

• Winterfest Christmas Bazaar: 9 a.m. to 4 p.m. at Kiona-Benton City High School, 1205 Horn Road, Benton City. More than 60 vendors, food and music.

Dec. 10-11

• Tri-Cities Home for the Holidays: 10 a.m. to 6 p.m. Saturday, Dec. 10 and 10 a.m. to 4 p.m. Sunday, Dec. 11 at Three Rivers Convention Center, 7016 W. Grandridge Blvd., Kennewick. Santa Claus will be there. Concession food available. More than 100 vendors are expected. Free admission. To be included on this list, email with details about the bazaar, including time, date, place, cost and contact information.

Puzzle answers from page 13 Str8ts Solution Str8ts Solution

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

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


1 2 6 7 3 9 8

Sudoku Solution Sudoku Solution

Str8ts Solution

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


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

1 2 6 7 3 9 8

1 4 6 2 5 3 8 9 7

8 3 9 1 4 7 6 5 2

7 5 2 6 9 8 3 1 4

9 8 1 3 7 4 5 2 6

2 7 3 9 6 5 4 8 1

5 6 4 8 2 1 7 3 9

6 1 7 5 8 2 9 4 3

3 9 5 4 1 6 2 7 8

4 2 8 7 3 9 1 6 5

For more strategies, hints and tips, visit and

1 4 6 2 5 3 8 9 7

8 3 9 1 4 7 6 5 2


Senior Times • November 2016

Meals on Wheels November menu 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 $7.30. Menu substitutions may occasionally 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. • Friday, Nov. 4: Breaded fish sandwich, lettuce and tomato, corn chowder, carrot raisin salad and oatmeal cookie. • Monday, Nov. 7: Green chili chicken, Spanish rice, fiesta blend vegetables, cornbread and mandarin oranges. • Tuesday, Nov. 8: Pork roast, mashed potatoes with gravy,

mixed vegetables, wheat bread and frosted carrot cake. • Wednesday, Nov. 9: Lasagna, green beans, tossed salad, breadstick and apple slices. • Thursday, Nov. 10: Chicken and dressing casserole, roasted red potatoes, brussels sprouts with bacon, wheat roll and cranberry oat bar. • Friday, Nov. 11: Closed for Veterans Day. • Monday, Nov. 14: Herbed chicken, mushroom sauce, roasted

red potatoes, green beans, apple cabbage slaw and peaches. • Tuesday, Nov. 15: Beef stir fry, brown rice, tossed salad, roll and pineapple upside-down cake. • Wednesday, Nov. 16: Grilled chicken sandwich, clam chowder, spinach salad, crackers, yogurt and berries. • Thursday, Nov. 17: Sweet and sour pork, seasonal vegetables, confetti rice, pea and cheese salad and cherry crisp. • Friday, Nov. 18: Birthday day! Roast beef with gravy, mashed potatoes, italian vegetables, wheat roll and ice cream. • Monday, Nov. 21: Swiss steak and tomato gravy, herbed potatoes, seasonal vegetables, rye bread and oatmeal raisin cookie. • Tuesday, Nov. 22: Spaghetti and meat sauce, broccoli Normandy, tossed salad, breadstick and mixed fruit. • Wednesday, Nov. 23: Thanksgiving meal. Roast turkey with gravy, mashed potatoes, stuffing and cranberry sauce, green beans, dinner roll and pumpkin pie. • Thursday, Nov. 24: Closed for Thanksgiving. • Friday, Nov. 25: Closed for Thanksgiving. • Monday, Nov. 28: Pork cutlet, mashed potatoes, seasonal vegetables, sourdough bread and pears. • Tuesday, Nov. 29: Chicken and white bean chili, spinach salad, chilled pineapple, crackers and cinnamon roll. • Wednesday, Nov. 30: Macaroni and cheese, sausage patty, seasonal vegetables, tossed salad and cranberry fruit salad. For more information about Senior Life Resources Northwest visit

Senior Times will be combining our December and January issues into one, which will publish in December.