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• Born in England in 1908, Ian Fleming came from a wealthy family. He was educated at several European universities and held numerous jobs including journalist, until serving in the British Royal Navy during World War II as an Intelligence Officer. His military work kept him close to various strategic planning operations including the oversight of two intelligence units along with other secret projects. He became known in high ranking military circles as a gifted operations director and shrewd strategist.

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in the widescreen IMAX format.

• The Skyfall movie has more product placements than any other James Bond film.

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• In the film, Naomie Harris in her role as Miss Moneypenny gives James Bond a very sensual shave using a straightedge razor, after spending six weeks with a professional barber training for this scene. She practiced her technique on members of the crew along the way. After the movie opened, sales of straightedge razors shot up more than 400 percent.

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• One scene was almost ruined by a pair of gloves. For the scene where Bond falls into a pit filled with Komodo dragons, Daniel Craig chose to wear a pair of unique-looking gloves, thinking they seemed very Bond-like. With the director’s approval, he wore them for this extremely difficult and expensive action scene.

The villain wrestles with Bond and gets his gun, but it doesn’t fire because it’s equipped with fingerprint-sensing technology that makes it impossible for anyone other than Bond to shoot.

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Businessfilm Card, 4c, five 26x Oscars DiscountinRate • The Skyfall won 2013, more June 30, 2019 • Volume 15: Issue #27 than any other James Bond film in history. 

• The cast went through 200,000 rounds of ammo just while practicing for the opening scene.

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• They determined that re-shooting the scene without gloves would cost millions more on a budget that was already overspent. In desperation, they wound up digitally coloring the gloves the same color as Craig’s skin pigment, but his hands still look unusually pudgy in the final cut.

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• The scene required the use of 20 cameramen • After the harrowing and time-consuming scene was finally wrapped, an editorial assistant spoke on motorcycles, chasing the action while up ADVERTISING and said, “Wait a minute.

The logic here is James Bond is being pursued by the menacing PROOF that the villain can’t fire Bond’s gun 5:00 because it henchman Patrice. Both are zooming and Final Changes DUE: Tues., 6/25/19 p.m.. has a fingerprint So ifthat’s the case, Please review carefully.

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Concrete • Pet Doors • Appliance Installs • MORE! FREE • The film contains about 500 CGI shots. They Contact your Tidbits representative immediately withPhone: changes orFax: corrections. % 760.320.0997 760.320.1630 10 “Our repeat needed to employ over 1,000 people across valleybits@msn.com SE NIO R customers make our Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 DISCOUNT the world to work on the computer-generated All Rights Reserved business thrive!”

9-30-20 Manhattan In The Desert ADVERTISING PROOF d Johnson, FREE CALL scenes that required specialized techniques. charp.m.. i R 760.DUE: 347.9485 - 5:00 TODAY: Final Changes Estimates -owner1/6 pg. 4C [media trade] Please review carefully. Double check:  Phone Number(s)  Spelling  Prices  Hours Bonded & Insured, not a licensed GC • July “Skyfall” was• Vol. the first film to be released UltimateHomeRepair.net 12, 2020 16 -Bond No. 29 Contact your Tidbits representative immediately with changes or corrections.

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1. W s m s

James Bond (from page one)

James was 11, and he was raised by an aunt in in 1964 at the age of 56. Two of his James Bond England. books, “The Man with the Golden Gun” and “Octopussy,” were published posthumously. • Ian Fleming was a chain smoker, averaging Other writers have since produced Bond four packs a day. James Bond was a smoker novels. Between 1981 and 1996, John Gardner too, at first. The last film where Bond was wrote 14 Bond novels and two screenplay shown smoking (a cigar) was “Die Another adaptations, surpassing Fleming’s output.

Day” in 2002.

ational framework for the Office of Strategic Services (OSS), which General Donovan headed up and later transformed into the CIA. • Though he was desk-bound for most of the war, Fleming always wished he could be at the forefront of the action with the real heroes of the war. However, his wartime service and his experience as a journalist provided much of the background, detail and depth of what would later become the James Bond novels.

• After the war Fleming moved to Jamaica where he lived on the estate of some wealthy friends. The estate was called Goldeneye. Here he indulged in his passion for writing, and real life spy stories were still fresh in his mind.

• The son of Fleming’s Jamaican hosts was a noted ornithologist who wrote a bird book still in print today. Flemming noticed the ornithologist’s name was ‘brief, unromantic, yet very masculine.’ He decided to use that name for his fictional spy hero -- James Bond.

Page 3

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Ian Fleming also wrote the children's story Chitty-Chitty-Bang-Bang, plus two works of non-fiction. In 2008, The London Times ranked Fleming 14th on its list of "The 50 greatest British writers since 1945".

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• Fleming wrote his first Bond novel, “Casino Office: 760-320-0997 email: valleybits@msn.com BOND FILMS TRIVIA Royale” in 1952. It was a success, with two additional print runs required to meet • In “From Russia With Love” the train Bond GARAGE DOOR SERVICE ADVERTISING PROOF is riding on through the railway station subtly #1 In public demand. ElevenMON., Bond novels and two We Service ALL Makes & Models! Customer AUG 17 nal Changes p.m.. passes by an old man on the platform. The man Service! collections DUE: of short stories followed between 5:00 • Broken Springs & Cables • Rollers  ADVERTISING PROOF ew carefully. check: Phonestories Number(s) Spelling  seen Priceswas  Ian Hours • Wind Damage Repair • Bent Tracks Fleming, in a rare cameo.

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5:00 p.m  OPENER the best-selling series of fictional books of or•corrections. ct your Tidbits representative immediately with changes In the James Bond stories, agents Please 002, review 003, carefully. Double check:  Phone Number(s)  Spelling  Prices  H • Replacement Panels & Glass Windows ADVERTISING PROOF all time, having over 100 million copiesFax: 760-320-1630 Property of 004, and 009 have been killed, while 006 was 760-320-0997 email:sold valleybits@msn.com the entire AdVenture CoachellaMedia, ValleyInc. & Morongo Basin TUNE UP Final Changes DUE: immediately 5:00orp.m..

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SERVICE that name?). Agent 008 is portrayed as Bond’s Contact your Tidbits representative immediately with changes DOORS OPENERS ADVERTISING PROOF replacement in the event of his death, while Office: September 6, 2020 Vol. 16 -Fax:No. 37INSTALLATION Phone: 760.320.1630 email:760.320.0997 valleybits@msn.com Fax: 760-320-1630 CALL per760-320-0997 door • Fleming was married to Ann Charteris, a valleybits@msn.com Gene Bambusch TODAY! 760.578.9046 Changes DUE: 5:00 p.m.. neither 001 nor 005 have ever been mentioned.

All Rights Reserved marriage that was the result of her divorce arefully. from Double Phone Number(s)  Spelling  Hours thecheck: secondViscount Rothermere because Prices • Bond’s alcoholic drink of choice is a Vesper LANDSCAPE DESIGN of her affair with the author.

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Fleming was a heavy smoker and drinker for ● Tree Service ● Irrigation Systems August 23, 2020 Vol. 16 - No. 35 measure of Kina Lillet (an aperitif), Contact shaken ● Landscape Lighting most of his life and succumbed to heart disease your Tidbits representative immediately with changes or corrections. ● Lawn Maintenence Fax: 760-320-1630 over ice with a thin slice of lemon peel. is Office:It760-320-0997 email: valleybits@msn.com ADVERTISING PROOF ● Yard Cleanups first described in the novel “Casino Royale.”

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Vol. XVI Issue 37

Buying a mattress, putting on a new roof, dental care, a decent pair of shoes -- all of these are places where you are likely to pay less in the ® long run by opting for the most quality you can afford at the outset.

by Mary Hunt

So, how do you know whether you should go for the most quality you can afford or the cheapest price you can find?

Ask yourself this question: “How long do I want this item to last?”

If the answer is “as long as possible,” that’s a sign that you need to buy the highest

There is a predictable progression many quality you can afford. of us go through as we make a decision to stop

If your answer is something like “until the ® living beyond our means. We get cheap. In fact, end of the wedding reception,” you don’t need some even call us cheapskates -- a label that I quality. You need to focus on finding the bestby Mary Hunt enjoy because it proves that I’m not the person looking wedding dress at the cheapest price.

I used to be (a credit card junkie and a totally Who cares if the quality is so poor it couldn’t whacked-out spendthrift). make it down the aisle multiple times?

It didn’t take long for me to adopt a mind Knowing when to buy the highest quality set that if cheap is good, then cheaper must be Friday, 12/13/19 you can afford and when to go for the cheapest even better. As noble as that thought might seem Please review carefully.

Double  learned Phone Number(s)  Spelling  P price you can check: find is a skill. The more -- and as painful as it is to admit it -- that is not you practice the better you’ll get at it. And the Contact your Tidbits representative immediately with changes or co always true. better you get the more you will enjoy the finer

Sometimes, the cheapest optionOffice: ends up 760-320-0997 email: valleybits@msn.com Fax: 76 things in life that will turn out to be the cheapest costing the most. It’s a wise person who can see way to go after all. the big picture, not just the cash outlay on the

* * * front end.

Mary invites questions, comments and

Case in point: Our house was in despertips at EverydayCheapskate.com, “Ask Mary.” This ADVERTISING Gee-Ar-Gee Construction Co.PROOF ate need of paint. Spending thousands of dollars column will answer questions of general interest, but 1/16 pg.

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Double check:  Phone Number(s)  Spelling  Prices  H Dec. 22,2020 2019 Vol. 15 No. 52 one of the bids came in much lower than Please the othCREATORS.COM ers, I jumped on it. I figured paint is paint. We’d Contact your Tidbits representative immediately with changes or corrections. get the house painted and still have money inOffice: the 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 Increase GEE-AR-GEE r Home's You bank.

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* In 2015, Godzilla was made an official resident of the Shinjuku ward of Tokyo. The “King of Monsters” was not only given Japanese citizenship, but also appointed as the ward’s tourism ambassador. * When Henri IV of France wed Maria de Medici in 1600, he could not actually be present for the ceremony.

Instead, he sent a life-sized sculpture of himself ... made entirely out of sugar. * Knowing they might never return safely from the moon, Neil Armstrong and the Apollo 11 crew worried about the prospect of leaving their families without financial support, but couldn’t take out life insurance policies due to the extreme risks of their mission.

Instead, they signed hundreds of autographs to be sold if they didn’t make it home. Thankfully, those weren’t needed, but still show up in space memorabilia auctions today, going for as much as $30,000. * Only two sports have been played on the moon -- golf and the javelin throw. * At a NOAA conference in 1972, civil and women’s rights activist Roxcy Bolton proposed naming hurricanes after senators instead of women. She also preferred the term “him-i-canes.” * Hot air balloons can’t be used in the rain because the water would boil from the heat, destroying the fabric. * A donkey will sink in quicksand, but a mule won’t. * Like to lie back and watch puffy clouds drift lazily by in the summer sky?

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Vol. XVI Issue 37

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ACCESSINFORMATION

ACCESS ASSEMBLY INFORMATION ASSEMBLY BEARARMS BEAR ARMS EQUALJUSTICE FAIRTRIAL EQUAL JUSTICE FREEPRESS FAIR TRIAL FREESPEECH FREE PRESS OBTAINEDUCATION OBTAIN EDUCATION FREE SPEECH

Corner

Dog Talk with Uncle Matty

By Matthew Margolis

Creators News Service

OWNPROPERTY

OWN PROPERTY PETITION RELIGION RELIGION RIGHT TO VOTE RIGHTTOVOTE STARTABUSINESS PETITION TRAVEL START A BUSINESS TRIALBYJURY TRAVEL UNLAWFULSEARCH TRIAL BY JURY UNLAWFUL SEARCH

(Word Search solution page 12)

Summer and water go together like Bonnie and Clyde, Romeo and Juliet, Antony and Cleopatra -- but without the tragedy. Or so we hope.

Every year in America, more than 300 children drown in residential swimming pools, usually their own. Considering the great lengths most parents go to in order to keep their children safe, imagine what that number might be for dogs.

A lot of dogs love the water; some famously: Labrador retrievers, Golden retrievers, poodles, Newfoundlands, Irish water spaniels, Portuguese water dogs, Chesapeake Bay retrievers and Cocker spaniels are among the most likely to dive right into the deep end.

But even if your dog’s breed suggests he’s desperate for a dip, make sure he’s a water lover before he’s waterlogged.

Most dogs are natural swimmers, but that doesn’t give us license to toss a pup into a pool and cross our fingers. Some dogs are scared of the water and could panic. Panic quickly creates exhaustion, which leads to drowning. Other dogs are ambivalent about water, and such a rude introduction could easily tip ambivalence toward fear.

Teaching a dog water safety is a lot like teaching a child water safety. We would never leave young children in a pool unsupervised -- and that rule applies to dogs, as well. If your dog enjoys free rein of a yard that contains a swimming pool, secure access to the water.

And teach him to swim.

While some parents (and kids) might disagree, it is not a good idea to “teach” a child or dog to swim via the “sink or swim” method -- in which the parent shoves the kid (or dog) into the water and encourages them to figure it out fast. This creates fear sans technique -- not to mention a bitter resentment that could come back to bite you, so to speak.

When teaching a dog to swim, have a few tools at the ready: his leash, some dog floaties or Cody's Corner: Turn to Page 8

www.WordSearchMaker.com



Cody’s

Splish Splash Beyond Taking a Bath

3. The Weekly “Brain Breaker”

G

Page 7

Mega Maze solution Page 11

Tidbits of Coachella Valley

Page 8

SENIOR NEWS LINE

We start by simply asking them questions about themselves and the times they lived in: Who were there parents? Who were their siblings, and what was their family life like? Where did they live, go to school, and work? We take notes, we write things down, or better yet make video recordings and just let them talk, guiding their subjects as an interviewer would.

Vol. XVI Issue 37

Cody’s Corner

(from page 7)

a swim vest, a favorite toy or treat, and plenty of patience. We want to ease him into the idea of water

by Matilda Charles as something more than what he drinks -- and we © King Features Synd., Inc. want it to be fun!

Start with a child’s wading pool, and encourage him to step into it using his leash. Don’t drag him. Use your voice to encourage him -- and his favorite treats if necessary. Let him enjoy being

Depending how “senior” we are, we might in the water in a relaxed manner for a bit, and then have parents still living, or if we’re younger and lead him out of the pool. Repeat the process a few happen to have hardy DNA, we might even have

The designation “senior” covers a long times until he gets in and out of the pool without stretch of ages, some of us much older or young- a grandparent or two still living who will have a hesitation. storehouse of interesting stories. er than others. It’s the older ones who perhaps

When he’s ready to upgrade to an actual have the biggest lesson to learn ... that time does swimming pool, employ the same gradual introduc Type up your information, save the file not stretch forward indefinitely. tion using his leash. Sit next to him on the steps of and print it out. Store your video on disc or the pool. Use the floaties if your dog shows signs thumb drive and make duplicates. Give these

I learned that lesson today when I reof panic or unease. Swim with him in the pool, your precious records as gifts to your children, grandceived word that one of my oldest relatives had arms around him to keep him afloat and reassured kids and as many relatives as you can. passed away. His name was Henry, and I never of your presence. If he takes off like a fish, great! If met him. I connected with him and his lovely he’s reticent, you’re right there to help.

You might look at the generations after wife by phone and mail many years ago when I

The most important part of teaching your you and think they won’t be interested in their started my genealogy hunt. We came together dog to swim is teaching him how and where to get ancestry. You’ll probably be wrong. Years from like family which, of course, we were. Christmas out of the water. If they don’t know how to exit the now, some of them will start to wonder ... and cards, newsy letters, new genealogy tidbits, just pool, even the best canine swimmers will tire and, your information will be there. Don’t wait! as though we’d always known each other. if you aren’t watching (even for a minute), could drown. * * *

I would make it a point to meet with him

Matilda Charles regrets that she cannot personally

To teach your dog to exit the pool, use a answer reader questions, but will incorporate them into her someday, I always told myself. Not only Henry high-value reward: his favorite ball if he’s a fetcher, column whenever possible. Send email to columnreply2@ and his wife, but all my other newly found relagmail.com. his favorite treat if he’s food motivated. Use his tives who lived in that area. Time and physical leash to guide him from the open water to the pool (c) 2020 King Features Synd., Inc. distance can’t change DNA, and I suspect that steps, and reward him when he successfully exits should I walk through their small town, there is a the water. Do this many times over several days to very likely chance I would be easily identified as ensure he knows where the steps are, how to use one of them. All the questions I had, I told myself, them and that good things happen when he goes to could wait until I visited. the steps to get out.

And remember: Whenever surfing, boatMON., JULY 27

I waited too long. ing, waterboarding, kayaking or canoeing, bring ADVERTISING PROOF Please review carefully. check: Phone Number(s) Spelling  P and useDouble life vests for  you, your kids, yourpassenFinal 5:00 p.m..

This caused me Changes to come to theDUE: realization gers and your pooch.

Contact your Tidbits representative immediately with changes or cor carefully.

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Office: 760-320-0997 email: valleybits@msn.com Fax: 760 low to leave Contact them as your muchTidbits information about us representative immediately with changes or corrections.

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Future Generations Are Counting on You

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But where do we start? We start with the family members that are ahead of us in age.

Dog trainer Matthew “Uncle Matty” Margolis is the co-author of 18 books about dogs, a behaviorist, a popular radio and television guest, and the host of the PBS series “WOOF! It’s a Dog’s Life!” Read all of Uncle Matty’s columns Wilson Financial Services at www.creators.com, and visit him at www.unclematty.com.

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Page 9

ever, there are still some old feds out there (hired their benefits and give them the proper -- and fair -- replacement rate. If you’re an employee affected before 1984) who are not in Social Security.

Folks who spend the bulk of their careers by this law, that modified formula takes you from

in jobs not covered by Social Security are potential- the 90% (poor person’s) replacement rate to the 40% YOUR ly subject to a couple of offsets that impact either (middle-class person’s) replacement rate, which SOCIAL SECURITY their own Social Security benefit (based on Social usually reduces benefits by about half.

Most career teachers and government Security-covered work they did outside of their regular job) or any benefits they might be due from employees have just barely over the qualifying

by Tom Margenau their spouse’s Social Security record. There always 40 quarters (10 years) of Social Security-covered has been a great deal of confusion and an awful lot work. But if you have 30 or more years of “substantial” Social Security earnings, the windfall provision of misinformation about those offsets.

One offset is the aforementioned Windfall won’t apply, and your benefit will not be reduced.

Elimination Provision. This is the one that impacts If you have between 20 and 29 years of substantial your own Social Security benefit. The other is called earnings, your Social Security benefit will be only the Government Pension Offset, or the GPO, and it partially reduced. A chart giving a year-by-year breakdown of what the government considers subreduces any spousal benefits you might be due.

The key to understanding the WEP is to re- stantial earnings is available at https://www.so

My inbox has been flooded with emails alize that the word “social” in Social Security means cialsecurity.gov/pubs/10045.html.

The other rule that so many public emfrom retired or soon-to-be retired public employees something. Unlike private and other public sector ployees misunderstand is the GPO. In a nutshell, the into built goals social are there plans, pension who don’t even pay into Social Security. They are that law says that an amount equal to two-thirds to is goals those of One program.

Security Social writing to complain about a law called the Windof a non-Social Security-covered pension must be worklower-income of fall Elimination Provision, or the WEP, that reduc- raise the standard of living es any Social Security benefits they have earned ers in retirement. This is accomplished through a deducted from any Social Security dependent’s while working at other jobs where Social Security benefit formula that is designed to give lower-paid benefits a person might be due. In effect, the law taxes were deducted from their paychecks. They workers a better deal than their more highly paid prevents most folks who work at jobs not covered always tell me about bills pending in Congress counterparts. Very low-paid workers could get a by Social Security from collecting benefits as a wife, that are intended to repeal the WEP, and they want Social Security benefit that represents up to 90% of widow, husband or widower.

What these people don’t realize is that the me to endorse the legislation in my column. They their earnings. This percentage is known as a “re- GPO simply treats them in the same way that all (the incomes average with People rate.” placement are surprised to hear back from me with this mesother working people have always been treated. rate. replacement 40% a sage: “The WEP is an entirely fair and just law that middle class) generally get For example, if a woman who worked at a job that should never be repealed. And shame on those Higher-income people get a rate around 30%. was covered by Social Security gets a Social Securithe spend who people that is problem The

self-serving members of Congress who introduce ty retirement pension, that pension has always offSocial into paying not lives working their of bulk such legislation that they know has no chance of set any spousal benefits she might have been due. low-income as treated passage. They are merely seeking votes from unin- Security are automatically formed constituents who happen to be retired pub- people by the Social Security Administration’s com- Before the GPO law went into effect, people getting lic employees.” Before I explain what I am talking puters. That’s because there are “zeros” on their a non-Social Security pension were the only workSocial Security earnings record for every year they ing people in this country who could get their own about, I must give some background.

When Social Security laws were enacted in spent in their non-Social Security job. The SSA’s retirement pension AND a full dependent’s benefit the 1930s, Congress felt that they could not force records won’t show they were actually working at from Social Security.

And the GPO law actually gives these peothe other job and earning another pension. Instead, a federal pension plan (Social Security) on state ple a bit of a break. Social Security retirement penshows simply record earnings Security Social their and local governments. So, they gave them the opsions offset spousal benefits dollar for dollar. But a their figuring when So, gaps in their work history. tion of joining Social Security or not. Most did. But ADVERTISING PROOF Social Security retirement benefit, the SSA’s com- non-Social Security retirement pension causes only some did not. And still today, about 10% of all work3-for-2 offset. In other words, for each $3 you get to a p.m.. the formula automatically JUNEintended 8 ers, mostly in state and local jobs in the public secFinalputers Changes DUE: use MON., 5:00 in teacher’s or other noncovered pension, you person. lower-income a compensate tor, are not covered by Social Security. Please review carefully. Double check:  Phone Number(s)  Spelling  Pricesa  Hours lose only $2 from Social Security spousal benefits. firefighters officers, But teachers, police

Also, federal government employees were Contact your Tidbits representative immediately with changes or corrections.

The WEP and GPO laws have been in efand other government employees (including those initially not covered by Social Security because fect since the early 1980s. And bills to repeal these gen1984) Office: 760-320-0997 email: valleybits@msn.com Fax: 760-320-1630 before hired employees federal older they had their own pension system in place before offsets have been introduced in every Congress inaverage with people as classified be can erally Social Security came along. But all federal employsince then.

And every year, for the past 30 years, Security Social same the comes, so they should get ees hired since 1984 pay into Social Security. HowGlossy Women’s Boutique replacement rate paid to all middle-class workers. they have always gone down in defeat. Why? Be1/8 pg.

BWwhy 13xa modified formula is used to refigure cause as I explained in this column, the laws make That’s sense.

June 14, 2020 Vol. 16 - No. 25

One final note. As an older retied federal government employee, my Social Security benefits have also been reduced by the WEP and GPO. But because I understand the laws, I have absolutely no problem with the reductions.

1. The book of Labor is in the a) Old Testa * * * ment b) New Testament c) Neither Please review carefully. Double check:  Phone Number(s)  Spelling  Prices  Hours

If you have a Social Security question, Tom Margenau has the answer. Contact him at thomas.mar2. From Acts 20:35, "That so laboring ye Contact your Tidbits representative immediately with changes or corrections. genau@comcast.net. To find out more about Tom Marought to support the weak, and to remememail: valleybits@msn.com Fax: 760-320-1630 genau and to read past columns and see features from ber the words, it is more ___ to giveOffice: than to760-320-0997 other Creators Syndicate writers and cartoonists, visit receive." a) Righteous b) Rewarding the Creators Syndicate website at www.creators.com. c) Bountiful d) Blessed

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Page 10

them two hours before or one hour after taking medications. I would not sit down and eat a handful of flax seeds, but now I am afraid to use them in the meals I prepare at all. Can you help me make a good decision? -- J.E.

Vol. XVI

Issue 37

VETERANS  POST 

by Freddie Groves

ANSWER: For people eating reasonable M.D. amounts (like a handful or two) of flax seeds as part of a meal, it is unlikely that they would interfere with medications enough to cause any

The Department of Veterans Affairs has significant problem, for most medications. taken two important steps to help veterans during

There are two situations that might merit the COVID pandemic: financial and housing for the concern: In powerful anti-clotting agents, such as homeless. clopidogrel, flax seeds might prompt increased

Debt Relief: The VA is extending financial

DEAR DR. ROACH: My wife has had activity. Secondly, flax seeds may lower blood debt relief through the end of the year. That’s godementia for over two years. There is an ad ADVERTISING PROOF PROOF sugar a small amount. In combination with insuing to be a big help to many of us who are strugin our local paper for an Alzheimer’s diseaseADVERTISING MON., MAY 4 lin or oral diabetes drugs, the blood sugar could gling.

If you are making payments, repayment is Final Changes DUE: p.m.. study. It says, “This study will assessFinal how Changes DUE: 5:005:00 p.m.. possibly dip lower than expected.

I doubt either going to be Please carefully.

Double  Phone Number(s)  Spelling  Prices  more Hoursflexible. One step is that the VA is safe and effective an investigational drugreview Please review carefully.

Double check:check:  Phone Number(s)  Spelling  Prices  Hours suspending the collection action or extending payof these interactions is likely to cause harm, but is at slowing the progression of early (proContact your representative immediately with changes or corrections. ment terms on existing debts. it isTidbits reasonable to discuss with with your changes doctor if or you Contact your Tidbits representative immediately corrections. dromal) or mild Alzheimer’s disease.”

Is this 760-320-1630 If you have benefit debts, call the VA Debt Office: 760-320-0997 email: valleybits@msn.com of the classes of medications menOffice: email: valleybits@msn.com Fax: Fax: 760-320-1630 protocol legit? I don’t trust this type of ad760-320-0997 not are on one Management Center at 1-800-827-0648 and ask for tioned. coming from a hospital. I couldn’t find any help.

* * * information about the sponsors of the re If you have health care debts, call the

Dr. Roach regrets that he is unable to answer search. -- J.N. Health Resource Center at 1-866-400-1238. To learn individual questions, but will incorporate them in the Bob’s Clock Shop more, go online to www.pay.gov and click on the column whenever possible. Readers may email quesBZtions 4C to26x TF ANSWER: I was able to find the trial, Coronavirus (COVID-19) alert.

ToYourGoodHealth@med.cornell.edu.

Emergency Housing: The VA is kicking called the Graduate II trial, which is sponsored May 10, 2020 Vol. 16 - No. 20MON., JULY 6 (c) 2020 North America Synd., Inc. in an additional $400 million of COVID relief fundby the manufacturer of the drug being tested, Please review carefully.

Double check:  Phone Number(s)  Spelling  Prices  Hours All Rights Reserved ing to expand its response to veterans who are eicalled gantenerumab. This drug is designed to ther already homeless or about to become homeContact your Tidbits representative immediately with changes or corrections. reduce the size of the amyloid protein plaques less. The Coronavirus Aid, Relief and Economic in the brain, which are suspected of being the 760-320-0997 Office: email: valleybits@msn.com Fax: 760-320-1630 Security Act (CARES Act) gave $17.2 billion to the underlying cause of Alzheimer’s disease, and Howard Miller • Ridgeway • Sligh • Antique VA, which initially allotted $700 million to hometo prevent new ones from forming. It is indeed a We also Service, Repair and New lessness. repair Wall, legitimate trial. The best place to find out about Mantel, Movements from Germany

The additional $400 million will go a long Ship’s and these is on the clinicaltrials.gov website.

43 years Cuckoo way to preventing veteran homelessness and proRichard Bigleyexperience Computer RepairClocks BoB’sServices CloCk &shop

The trial is in phase III. The drug has viding emergency housing as part of the Support1/16 pg BW 26xCarlsbad Disc. / San Diego / Desert Communities passed both phase I trials, which are designed ive Services for Veteran Families Program. The Coachella July 12, 2020 Vol.Servicing 16 - No. 29 Valley on Fri., Sat. or Mondays to look at safety, and phase II, which look at both idea, of course, is to provide housing that will allow Call for In-Home service appointment safety and effectiveness. Now the investigators physical safety and social distancing.

760-729-5121 -or- Bob’s cell: 760-802-4071

In addition, the VA is providing $88 milare studying the effectiveness of the drug in a ADVERTISING PROOF lion for the Grant and Per Diem Program and $10 larger population, usually for a longer period of Final Changes DUE: 5:00 p.m..million for the Health Care for Homeless Veterans time. Drugs that do well in phase III clinical trials Please review carefully. Double check:  Phone Number(s)  Spelling  Prices  Hours Program. The GPD Program utilizes eligible civilmay be approved by the Food and Drug AdContact your Tidbits representative immediately with changes or corrections.  Property Windowsofand Mac ian organizations to provide transitional housing ministration. Alzheimer’s drug trials are difficult, Office: 760-320-0997 of email:Property valleybits@msn.com Fax: 760-320-1630 Desktop and Laptop Service AdVenture Media, Inc. for those who are already homeless or who are in TUES., APRIL 24 AdVenture Media, Inc. because the disease often progresses slowly,  System installs & Upgrades danger of it.  Printer & Router Setup and large, time-consuming trials Please are necessary. review carefully. Double check:  Phone Number(s)  Spelling  Prices 

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In general, I encourage people to conFREE RATED #1 FREE housing, go online to www.va.gov/homeless/ of Coachella Valley Issues Coachella Resolve Browser of Valley Contact immediately with changes or corrections.

IN THE Neatest Little Paper Ever Read sider participating in clinical trials, as they are your es- Tidbits representative The760.320.0997 Neatest Little Paper Ever Read The Microsoft Office Training COACHELLA hud-vash.asp. This HUD/VA collaboration proPhone: Fax: 760.320.1630 760.320.0997 Fax: 760.320.1630 VALLEY! Office: 760-320-0997 Phone: email: valleybits@msn.com sential for clinical advances. For gantenerumab valleybits@msn.com  iPhone & iPad Assistance Fax: 760-320-1630 vides rental assistance vouchers if you’re eligible valleybits@msn.com in particular, phase I and II trials did show that for VA health care. Included can be case managers I’ve retired after moreAll than 30 years corpoRights Reserved All Rights Reserved rate software experience.

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Week of September 6, 2020

pocket. You also could use BenefitsCheckUp. org to search for financial assistant programs Ad Proof: you may be eligible for.

banks. HECM’s also have home value limits that vary by county but cannot exceed $765,600.

John Cuddihy - Flags “A” Flying

-- by Jim Miller

Should Seniors Consider a Reverse Mortgage Now?

DEAR SAVVY SENIOR: What can you tell me about reverse mortgages? The damage to my retirement account due to the coronavirus closings has me considering this method, but I don't completely understand how it works. Can you shed some light and tell me what I’d be getting myself into? --Cash-Strapped Senior

Dear Cash-Strapped: Massive job losses, a volatile stock market and low interest rates caused by the coronavirus pandemic has caused many cash-strapped retirees to consider a reverse mortgage. But there’s a lot to consider to be sure it’s a good option for you at this time.

Let’s start with the basics.

A reverse mortgage is a unique type of loan that allows older homeowners to borrow money against the equity in their house (or condo) that doesn’t have to be repaid until the homeowner dies, sells the house or moves out for a period of at least 12 months. At that point, you or your heirs will have to pay back the loan plus accrued interest and fees, but you will never owe more than the value of your home.

It’s also important to understand that with a reverse mortgage, you, not the bank, own the house, so you’re still required to pay your property taxes and homeowners insurance. Not paying them can result in foreclosure.

How much you can actually get through Biz Card, BW, ratehome

Another possibility is 26x a regular a reverse mortgage depends on your age Corrections due by: 5 This pm, type Mon., equity loan or line of credit. of 6/19/17 (the older you are the more you can get), ADVERTISING PROOF borrowing requires you to make payments, and your home’s value and the prevailing interest Final Changes DUE:or lower limits on lines5:00 lenders can freeze of p.m.. rates. Generally, most people can borrow Please review carefully. Double check:  Phone Number(s)  Spelling  Prices  Hou credit, but the borrowing costs are much lower. somewhere between 50 and 60 percent of the Contact your Tidbits representative immediately with changes or corrections. home’s value. To estimate how much you can Office: email: valleybits@msn.com * * * 760-320-0997 Fax: 760-320-1630

Send your senior questions to: Savvy borrow, use the reverse mortgage calculator at Senior, P.O. Box 5443, Norman, OK 73070, or visit ReverseMortgage.org.

To receive your money, you can opt for a lump sum, a line of credit, regular monthly checks or a combination of these.

Loan Details

Around 95 percent of all reverse mortgages offered are Home Equity Conversion Mortgages (HECM), which are FHA insured and offered through private mortgage lenders and

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To learn more, read the National Council on Aging’s online booklet “Use Your Home to Stay at Home” at NCOA.org/home-equity.

Also note that because reverse mortgages are complex loans, all borrowers are required to get counseling through a HUD approved independent counseling agency before taking one out. Most agencies charge between $125 and $250. To locate one near you, visit Go.usa.gov/v2H, or call 800-569-4287.

Other Options

If you have a short-term need for cash, there are other options you should look into. For example, many low-income seniors don’t realize they qualify for the earned income tax credit, a refundable tax break that can put cash in your

Puzzle

SOLUTION

(Go Figure! puzzle will resume next week)

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James Bond 4 Million Readers Weekly Nationwide!

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order. It’s Phone: called a ClassFax:Seven authorization 760.320.0997 760.320.1630 valleybits@msn.com and must be approved by the MI6 agent’s All Rights superiors all the way toReserved the Foreign Minister. of Coachella Valley

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• In “Thunderball,” The Bell Rocket Belt used in the film’s opening sequence was an actual working jetpack. Filmmakers hired two qualified pilots to operate it. One of the pilots was asked if he would fly without a helmet so Bond could look more cool. He refused for safety reasons, which is why Sean Connery wore a helmet for this scene in the final film.

• In “Thunderball,” the gadget-master named Q gives Bond a tiny breathing apparatus that allows him to survive underwater for several minutes. Bond uses it when trapped in a pool with a bunch of sharks.

• A member of the Royal Engineers saw the film and thought such a device could have all sorts of military applications. He called chief engineer Peter Lamont to ask how long the apparatus could work. Lamont replied, “As long as you can hold your breath,” explaining that although Bond was shown underwater for several minutes, it was done through the magic of video editing. No such gadget really existed.

FILLER PAGE 2 2Q08 - WEEK 19 MAY 4 - MAY 10

by

by Kara Kara Kovalchik Kovalchik && Sandy Sandy Wood Wood

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• The title of the 2015 film, “Spectre” is an anagram for ‘Special Executive for Counterintelligence, Terrorism, Revenge and Extortion.’

• Christopher Lee is Ian Fleming’s cousin, and Fleming initially wanted Lee to play Dr. No TRIVIA IVIRTLee turned in the firstAfilm. the offer down.

However, NEWSFRONT SRhe EWlater SNAplayed TNANSWERS ORvillain FSWEScaramanga N in the 1974 movie “The Man With The Golden 1. Ernie eK-Doe oD-K einrE .1 Gun.” • Inspiration for Fleming’s 2. necessity ytissece12th n .2 novel “You Only Live Twice” came from the 17th century Loretta Basho, atteroL who .3 wrote, “You Japanese poet3. Maysuo only live twice; once when you’re born, and 4. Danny DeVito otiVdeath eD ynninaDthe.4 face.” once when you look

PRESENTS TRIVIA NEWSFRONT™

Solutions

How did Bond sleep throught that large earthquake? I suppose he was shaken, not stirred!

FLAGS &

But be aware -- the reverse mortgages aren’t cheap. HECM loans require a 2 percent upfront mortgage insurance payment, plus an additional 0.5 percent annual charge, on top of origination costs and lenders’ fees. Any amount you borrow, including these fees and insurance, accrues interest, which means your debt grows over time.

To be eligible, you must be 62 years of age or older, own your own home (or owe only a small balance) and currently be residing there.

You will also need to undergo a financial assessment to determine whether you can afford to continue paying your property taxes and insurance. Depending on your financial situation, you may be required to put part of your loan into an escrow account to pay future bills. If the financial assessment finds that you cannot pay your insurance and taxes and have enough cash left to live on, you’ll be denied.

SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

S ™

that 1. Who had a #1 hit in 1961 with the sardonic • It’s estimated5. Candy renthatLightner giLleast ydnaCone .5 third of the cin world’s population has seen at least one James “Mother-in-Law”?

Bond film.  2. According to the proverb, what is “the mother of invention”?

EALWAYS ERF SYAFREE WLA 3. What was the real first name of AfricanAmerican comedienne Moms Mabley?

NALWAYS UF SYAWFUN LA 4. What film actor wanted to Throw Momma a

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Page 12

Tidbits of Coachella Valley

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Contact your Tidbitsplan representative immediately with changes or corrections. ability.

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