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Ageless WINTER 2014



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Winter 2014

Ageless Features From Shaniko to Sochi .............................................. 5 Imperial Yarn, produced near Shaniko, was chosen to take part in Ralph Lauren’s “Made in America” campaign for the Winter Olympics.

Celebrating 10 Years and Counting ...........................12 Staff, volunteers join the community in celebrating the 10-year anniversary of Tower Theatre’s historic renovation.

Healthy Nuts.............................................................18 Recent studies have shown that regularly eating nuts can have positive effects on heart health and mortality rates.

Cowboy Essentials ...................................................30 Two local craftsmen have focused their talents on creating items that are most synonymous with the cowboy culture.

Information & Advice Contributors ................................................................................. 4 Evolving Yarns ............................................................................. 9 Giving a Helping Hand ............................................................... 16 Medicare Advice: Cover Oregon vs. Medicare .......................... 21 To Your Health: Therapy for the Hands ..................................... 23 Wall of Honor ............................................................................. 32 Legal Advice: Estate Planning in 2014 ...................................... 34


A magazine featuring health, entertainment, lifestyles and advice for the active, 50-plus Central Oregonian. Ageless

is a product of The Bulletin’s Special Projects Division, 1777 SW Chandler Ave., Bend, OR 97702, and printed by Northwest Web Press, Ageless is produced in partnership with the Central Oregon Council on Aging. All content is the property of The Bulletin/Western Communications, Inc. and may not be reproduced without written permission.

Ageless Staff Members Martha Rogers, Special Projects Manager Ben Montgomery, Special Projects Editor Stacie Oberson, Special Projects Coordinator Kari Mauser, Special Projects Editorial Assistant Clint Nye, Graphic Designer Jay Brandt, Advertising Director Steve Hawes, Advertising Sales Manager

Resources Made Easy ................................................................ 37

Story ideas may be submitted for consideration to Ben Montgomery, managing editor. Contact him at 541-383-0379 or via e-mail at For advertising, call 541-382-1811.

Events Calendar ......................................................................... 38

Published Saturday, January 25, 2014

To subscribe or learn more about all our publications, please call 541-385-5800 or visit us at Cover photo of Patty Christopher by Kari Mauser. Ageless | 3

Ageless CONTRIBUTORS ANNISSA ANDERSON, a Bend freelance writer and public relations consultant, is also a culinary school grad and worked as a pastry chef. She writes regularly for The Bulletin and other local publications and was a contributing writer in the latest edition of Best Places Northwest. Though she’s lived in the Northwest for the past 20 years, she spent her childhood living and traveling abroad. An avid crocheter and origamist, JOHN CAL worked as a baker, head chef, ukuleleist and Sno-Cat driver before settling into writing. He enjoys filling his time with yoga, postcard writing and collecting bowties. John also collects candy from around the world — he has a 100-plus specimen collection (and counting) — and lives in Sisters with his dog, Hank. Former Bulletin business reporter turned international teacher, JEFF MCDONALD, returned to Bend following a three-year sojourn in the Middle East. When he’s not traversing the globe, he enjoys the seasons, the laid-back culture, and the people of Oregon.

GREGG MORRIS is a local freelance writer and musician. You can find him around town finishing articles at the local tea shop, performing with his band Organic Music Farm or homeschooling his daughter. Supposed free time is spent in the woods with his wife and daughter or skillfully executing his duties as a member of the Deschutes County Search and Rescue team. Bend has been home to LINDA ORCELLETTO and her husband, Joe, since 1996. Their “fur child” golden retriever keeps them busy with outdoor activities. When not pounding the keyboard or volunteering, she enjoys exploring the back roads and history of Oregon.

NATE PEDERSEN is a Community Librarian with Deschutes Public Library. He also moonlights as a freelance journalist. He lives in Bend with his author wife, April Tucholke, and their dogs. His website is

BUNNY THOMPSON is an internationally published freelance writer. She cruised on a sailboat for six years and published travel and adventure articles in national and international magazines such as Sail, Cruising World, Southern Boating and Island Scene. She lives in Sisters and writes for regional magazines, publishes a Blog called Tales from Wild Goose, and is an avid cook and outdoor enthusiast.

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When American athletes make their first appearance at the Winter Olympics in Sochi, Russia, they will be wearing sweaters handcrafted from wool harvested at the Imperial Stock Ranch near Shaniko. The unveiling will capture an odyssey of sorts for Dan and Jeannie Carver, who purchased the ranch in 1988 and have transformed from old-school ranchers to high-end producers for the fashion

industry, thrusting them into the international spotlight. While the ranch has accounts with roughly 300 yarn stores in the U.S., Jeanne Carver remembers the day in July 2012 when the product development director from Ralph Lauren called her while she was at the ranch and started talking about Imperial Yarn. “I said, ‘You’re kidding me, right?’” she said. “’No,’ he said. ‘I’m sitting here on Madison Avenue.’”

“That’s amazing because I’m sitting here on the Oregon desert,” she said. “Do you hear my sheep?” The Ralph Lauren official did not tell Carver, who takes on the marketing side of the wool and meat business, that the company is the official uniform and apparel provider for the Winter Olympics. Ralph Lauren was launching

its Made in America campaign. Using only domestic apparel providers, Ralph Lauren would produce uniforms that would be worn by athletes during the opening ceremonies and throughout the Olympic Games

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as well as additional apparel created for resale, Carver said. All of the products made for the campaign by Ralph Lauren would be completely sourced and made in America, she said, including the wool and yarn from the Oregon ranch. Imperial Stock Ranch and its partners would become the face of that campaign. Several follow-up calls later, Carver still did not think anything would come of Ralph Lauren’s interest. “I thought it was very cool that they had asked but thought there was a 99.9

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percent chance it was going nowhere,” she said. About a month later, a Ralph Lauren representative called and asked if Carver would be available for its design team to come out to the ranch. The team flew west to Portland, rented a car and showed up at the ranch a few days later. “We told them our message of sustainability, our grazing practices, how we have returned salmon to the

creeks – we showed them our way of life,” she said. “We walked them through historic buildings. It is truly a walk back in time. We are living history.” That history stretches back to 1871 when Richard Hinton first started grazing sheep that would become known as the Columbia breed. Eventually, the ranch became the largest individually owned land and livestock holdings in the state with at least 35,000 head of sheep plus

“We realized that these athletes would be wearing our Olympic yarn. It’s very humbling, it is a great honor, and we feel great pride. We feel connected to the team in a way we never have before.” cattle and horses pasturing on Hinton’s rangeland. Today, the headquarters are a national historic district still in operation. It was not until spring 2013 that the Carvers found out that their yarns would be part of Ralph Lauren’s Made in America effort for the Winter Olympics. That is when the company’s public relations team asked the ranchers and 40 other providers who had contributed to making the apparel to tell their story. “We thought we’d be a 30-second shot,” Carver said. Things got real on Oct. 29, 2013, when the “Today” show unveiled Ralph Lauren’s Made in America campaign and the company’s 4-

minute video launched on its website. “We became the face of their Made in America effort,” she said. “I can’t describe how that feels.” The video shows the chain of production from the Imperial Stock Ranch to its value-added producers, who wash, card, comb, ply and dye the wool at other facilities. Imperial managed the entire process and delivered the finished yarn product in nine colors to a knitting factory in Los Angeles, she said. After the film was unveiled, Carver visited the Pennsylvania and North Carolina facilities and met with her partners, who she had never seen faceto-face, she said. “It struck me so much because these are factories that had labored for decades and generations, not in the public eye,” she said. “They

do the work that produces goods in this country, but they’re not the brand. But they make it happen.” The future looks bright for Imperial Stock Ranch, which plans to launch its own apparel collection by the renowned designer, Anna Cohen, in 2014. The ranch received a $300,000 Rural Value-Added matching grant from the U.S. Department of Agriculture to move into the apparel network. Both Carver and her husband’s eyes will be watching closely when the U.S. athletes make their first appearance in Sochi. “We realized that these athletes would be wearing our Olympic yarn,” she said. “It’s very humbling, it is a great honor, and we feel great pride. We feel connected to the team in a way we never have before.”

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Watch the Video See the Carvers and the Imperial Stock Ranch featured in Ralph Lauren’s “Made in America” video by visiting teamusa. Click on the “Made in America” link just under the official United States Olympic Team logo. Above photos courtesy of Ralph Lauren

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While knitting has changed very little over the years, its culture has become one of expression. by John Cal, for The Bulletin Special Projects Photos by Kari Mauser


or Brandi Johnson, 41, of Sisters, knitting was an activity that allowed her and

her sister to bond with their grandmother. “I’d say it started in about the 6th grade,” Johnson said. “We used to take these long road trips with my grandparents during the summer, and my grandma taught me and my sister how to knit and crochet to keep us kids occupied in the car. We didn’t have video games.” Johnson laughed when thinking of her earlier days fiddling with knitting

Brandi Johnson

needles and a ball of yarn, working to create something functional Ageless | 9

while also improving her skills. “We just made simple stuff,” she said. “I made so many scarves.” Year’s later, she’s still at it, even passing her skills and knowledge down to her son. “My oldest is 11, and he wanted to learn three years ago. He enjoys it, too,” she exclaimed with contented sur pr ise. “He hasn’t completed anything yet, but he picks it up from time to time, doing a few stitches here and there.”

That’s t he way it’s been for centuries, across continents, across cultures — a mother or grandmother teaches the next generation to knit. It was certainly that way for Johnson, but in a modern world, all of the old rules of knitting are changing — how people lear n, from whom, where they knit, how patterns and stitches are shared. Websites such as, a sort of Facebook for knitters, and, a free online magazine

full of patterns and other resources, are also digitizing the information and making it accessible to people all over the world, even if they come from a non-knitting lineage. And knitters aren’t just making afghans and shawls anymore. There are mittens and clutches, beard covers, and quirky little amugurumi (tiny knitted or crocheted toys from Japan). “We no longer need to do it,” said Sarah Peery, 54, a knitter from Bend, “and so it’s become self expression and playing with colors and art.” Peer y is heav ily involved in Bend Knit Up, a group that meets weekly at several locations around Bend, including Dudley’s Bookstore downtown and Rosie Bareis on 14th Street. “There are quite a variety of ages — retired people, stay-at-home moms, young kids going to C.O.C.C. — people who just need to relax or unwind,” Peery said. “Everybody thinks knitting is for old ladies,” said Caitlin Richmond, 25, one of those “young k ids.” “People think knitting is boring, but it’s a great outlet. It’s art. It’s p e r s o n a l. You g e t t o ex pre s s yourself, and it means a lot when I give someone something I’ve made, instead of just buying it at a store.” And as the reasons and techniques of knitting begin to modernize, so do our conceptions of knitters. Once a necessity, knitting clothed a family. A wife needed to finish that pair of wool socks before winter came lest her husband’s feet would

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freeze while he tended the fields. But these days, the husbands are getting in on the action. “I haven’t been knitting long at all, less than a year,” said Allen Anderson, 68. “I like the colors. It’s relaxing, and different from what I normally do.” “This gets me away from mental work,” Anderson added with a small nod indicating the scarf he was steadily working on. “It’s something I can do with my hands.” Thoug h A nder s on ha s b e en knitting just a short time, his wife has been knitting for years. “But no, we don’t knit together,” laughed Anderson. “I don’t know why. We each have our own projects going, but she supports me, and if I make a mistake, she corrects it.” “Knitting has definitely changed in recent years,” said Andrea Storton, buyer and manager of The Stitchin’ Post in Sisters, a store mostly known for their large selection of fabric and quilts but that also sells boutique yarn. “It’s all art based. It’s all fiber arts, and knitting is great because it’s compact and you can take it with you.” The Stitchin’ Post also offers classes for knitters at all levels, from beginner to advanced, and host s a week ly Sit & K n it on Wednesdays. “It’s exactly like it sounds,” said Storton. “People drop in, sit, knit, chat, and sometimes there are snacks. It’s just a way for people to have community to gather to offer help and foster better knitters. I think

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sometimes people are intimidated by it, but we just like offering a place where t he spectr u m of people can come and learn.” “Maybe there’s something lost in it not being passed on from mother to daughter anymore,” said Richmond, “but there’s a lot that’s gained, too. Now anyone can learn from anyone. We’re all learning from each other.” Still, even with all of the ways that knitting is being modernized and digitized, shared and passed, and being experienced by people from all ages and all walks of life, the reasons and methods still remain simple. “It feels freeing to me. I like to try new things,” said Peery. “I like sitting with these nice people and socializing together,” said Anderson. “It’s meaningful to me to think that I’m creating heirlooms for people that I care about,” said Richmond.

For work, Brandi Johnson is a graphic designer. She creates for a living — art, design. She has to choose colors and lines and put elements together to make things pleasing to the eye. But with all that work in the intangible, on a screen, for her, the modern still takes a back seat to the more tangible. “I like the feel of the fibers,” said Johnson. “It’s tactile. I like the calming repetitiveness of making stitches.” And maybe that’s why knitting is thriving so. It helps people stay connected, not just virtually, but tactilely as well. When it comes dow n to it, knitting at its most complicated is two needles and some yarn being stitched, woven, purled. But it’s not what knitting is, per se, but what it does, and whether online or in person, whether shawl or sweater, the reasons — the why — have stayed the same.

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Tower staff, volunteers and community celebrates the 10-year anniversary of Tower Theatre’s historic renovation. by Nate Pedersen, for The Bulletin Special Projects “There are three images that Bend identifies itself with,” said Ray Solley, executive director of the Tower Theatre Foundation. “Mou nt Bachelor, the three smokestacks of the Old Mill, and a historic downtown movie theater.” That historic movie theater is the Tower Theatre – affectionately dubbed “The Tower” by locals, a hallmark of downtown Bend since 1940. This year, the Tower is celebrating the 10th year since its renovation from a derelict movie house into a worldclass performing arts theatre. Host to everything from musicians to mentalists, the Tower is a local icon and the cultural heart of Bend. “There aren’t many nights when the lights don’t shine on a worthwhile event,” said Harriet Langmas, a longtime Bend resident and volunteer at the Tower. The Tower began its life, however, as a relatively basic movie house. (Compare the Tower, for example, to some of the more opulent movie theatres from the early 20th century such as the Baghdad in Portland or the McDonald in Eugene). Despite its iconic marquee, the original Tower Theatre was built as a “shoebox” theatre, meaning it was a rectangle with a screen at one end with hundreds of seats crammed together in front of it. A balcony above added some additional space. On either side of the ticket booth were two small shops, since incorporated into the expanded lobby: a hot dog stand on one side and a coffee shop on the other. Bulletin file photo 12 | Ageless

Photo by Kari Mauser

Photo by Kari Mauser

Bulletin file photo

“There aren’t many nights when the lights don’t shine on a worthwhile event ... When we moved here in 1954, it was the only show in town.”

“I get to work in a beautiful environment with wonderful people and see that visitors to the Tower are happy and enjoy their experience enough to come back again and again.”

“The fact that there is a performing arts theatre – a place where the community can gather – literally in the middle of downtown is very impressive.”

- Harriet Langmas, Tower Theatre Volunteer

- Karin Cavanaugh, House Manager, Tower Theatre

- Ray Solley, E.D., Tower Theatre Foundation

The Tower was a practical theatre, built to entertain as many people as possible. But it soon became a community destination. The Tower Theatre first opened in 1940, when Bend’s population had swelled from the influx of soldiers stationed at Camp Abbot. The Tower was built in the “streamlined moderne” style, characterized by curving forms and long lines. Construction took a mere three months, with large crews of workmen working double shifts to complete the building on time. “ When t he Tower Theater opened, it represented the newest technology available, quick ly out shining the L iber t y Theater a couple doors down,” said Kelly CannonMiller, executive director of the Des Chutes Historical Society and Museum. “Within a few years, the Tower became the central theater for Bend, and for many years it faced little to no competition until the advent of large, multiplex theater construction took over in the 1980s.” The Tower was a community hotspot of the mid 20th centur y. Solley encounters people every month who share memories of watching movies at the Tower or of taking their first jobs working the ticket booth. But the reminiscences that stand out to Solley have a particular part of the Theatre in common: the balcony. Solley laughed as he recalled how the

renovation fundraisers “knew they had a really good donor on the line when the donor would start talking about their experiences in the balcony.” The balcony, you see, is where you’d bring your date. Not much movie watching happened up there. “When we moved here in 1954, it was the only show in town,” said Langmas. “As a teacher at Bend High, Sam [my husband]

and I tried to stay out of the way of the kids having their dates at the theatre.” Langmas, however, distinctly remembers “going to the show the night it got to 29 degrees below zero on January 29, 1957.” That freezing temperature brought a new record to

Bend. Langmas drolly added that she was “glad it was dry cold.” Despite its primary role as a movie house, the Tower also played host to a variety of community events. For example, in 1948, the Tower hosted a weekly amateur hour, fashion and variety shows, and a Russian chorus amongst other performers. Its renovation into a performing arts theatre wasn’t far off from its original mission. By 1993, competition f rom t he la rge multiplexes forced the Tower to close. Eleven years later, after a handful of false starts followed by a significant community effort, the theatre reopened as a premier performing arts venue. T he renov at io n h ig h l ig ht e d t he A r t Deco aspects of its original construction, opened up the space to accommodate better sightlines, and installed an orchestral pit and state-of-the-art audio and video technology. Oran Teater, former Mayor of Bend and a member of the city council when the city purchased the Tower, put it succinctly: “We salvaged a downtown icon.” “Its renovation as a performing arts theatre not only saved the building, but returned the Tower to its place as a community center and focal point of downtown Bend,” added Cannon-Miller. In 2013 the Tower hosted more than 170 events. Today, the Tower engages 160 happy

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Photo by Byron Roe

Events celebrating the 10th year since the Tower’s rebirth are scheduled throughout 2014 volunteers, and employs 13 people, including Karin Cavanaugh, a familiar, smiling face at the Tower almost since its reopening. C avanaugh began volunteer ing at the Tower after retiring and moving to Bend. Soon thereafter she joined the staff as House Manager. “I am a very lucky retired person to have one of the very best jobs in Bend,” she said. “I get to work in a beautiful environment with

wonderful people and see that visitors to the Tower are happy and enjoy their experience enough to come back again and again.” Events celebrating the 10th year since the Tower’s rebirth are scheduled throughout 2014. The anniversary year kicks off with the Bend Guitar Blast (now through Thursday, Jan. 30) and concludes with a special New Year’s Eve celebration, tying the 10th year of the renovation into the 75th year of the Tower

Theatre’s existence. An exhibit detailing the Tower Theatre’s history will also launch at the Des Chutes Historical Museum in May. “The fact that there is a performing arts theatre – a place where the community can gather – literally in the middle of downtown is very impressive,” said Solley. “And that’s the role that historic theatres have played in communities for generations.”

Photo by Kimberly Kay

Photo by Rick Adair

Become a Tower Member Interested in helping the Tower Theatre remain a viable part of the community? Consider becoming a member of the Theatre. Memberships begin at $75 per year and include advance notice of Tower Theatre events, the opportunity to purchase tickets before the general public,

and 20 percent off season passes. More information at: The Tower is also always looking for more volunteers to help with its operation. More information at: http://www.

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Ageless Volunteerism

Giving a HELPING HAND SENIORS FIND MEANING THROUGH VOLUNTEERISM. by Jeff McDonald, for The Bulletin Special Projects | Photos by Kari Mauser & The Bulletin There is no shortage of opportunities for seniors to volunteer in Central Oregon. But how should someone with a lifetime of experience go about looking for an organization that matches his or her interests and skills? Volunteer Connect is the central clearinghouse for volunteer opportunities in the region, finding opportunities for about 2,000 volunteers a year. Through its website,, prospective volunteers can link into opportunities from roughly 120 organizations in Central Oregon. “We’re the conduit – we’re the connector,” said Betsy Warriner, founder and board president. “We link people with rewarding volunteer opportunities to enhance Central Oregon.” While most organizations welcome people of any age, there are some that are particularly good for seniors, Warriner said. “There are such a variety of things you can do that will exercise your brain, your body and your soul,” she said. Reading to children through the SMART program provides valuable exercise for the body and brain, she said. So do food and hunger relief and other opportunities that appeal to seniors who might want to try something different with their day. “Volunteers can meet friends of all ages,” she said. “They also are connecting with people whose lives are challenged to the extreme.” For Tom McDannold, 72, volunteering is payback for the kind deeds that helped both his mother and mother-in-law stay in their homes longer in life. “My mother lived quite a distance from me and people gave her a hand,” he said. “One fella built her a fence so she could let her dog out in the backyard.” For his mother-in-law, it was the same thing. People came to her aid when she needed help, he said. Not long after to moving to Bend with his wife in 2004, McDannold began volunteering several times a 16 | Ageless

Patty Christopher / Photo by Kari Mauser

month for Volunteers in Action, a local nonprofit that helps seniors and people with disabilities retain their independence. As a volunteer, McDannold performs simple tasks such as turning an elderly woman’s mattress, replacing the battery in her smoke detector and changing a few light bulbs when needed, he said. Those small tasks help independent seniors remain on their own longer, he said. “When you start getting into your 80s and 90s, stuff like that gets really hard to do,” he said. “It’s one more small thing they don’t have to worry about.” One unexpected discovery came when he was showing a 73-year-old woman who lives in a mobile home park at the base of Smith Rock how to use a Samsung Galaxy Tablet. For the retired geologist, the discovery added a

whole new dimension to living in Central Oregon. “All the years I had lived here and I had never been to Smith Rock,” he said. “Volunteering takes me into places I hadn’t been before.” Another retired educator, Patty Christopher, 58, also found her opportunities through Volunteer Connect. She got started as a dog and cat walker at the Humane Society, then took on more integral work as a veterinarian’s assistant at the organization. Christopher, a retired teacher and school principal, cleans surgical areas before animals are spayed and neutered. She also helps animals recover after surgery, she said. “You can’t get sick by blood,” he said “You’re seeing surgery. If that bothers you, it is not the thing for you.” Christopher also volunteers for Central Oregon Veterans Outreach, where she mans the front desk and refers homeless vets to appropriate services. As an early retiree, Christopher appreciates the opportunity to volunteer because it gives her new meaning and youthfulness in life, she said.

Tom McDannold / Photo by Kari Mauser

“There’s a camaraderie that builds immediately with other volunteers,” she said. “You get to know people on a level that’s not just dash in and dash out.” She also is part of Jesuit Volunteer EnCorps, a 50-and-older volunteer organization that started as an offshoot of a group for younger adults and is organizing for a Bend launch in the fall. Like Volunteer Connect, EnCorps will be a referral agency, but it will take a spiritual approach in its practice, she said. “It will give 50-plus adults a chance to reflect on our experiences and put them into a spiritual and life affirming experiences,” she said. “It will really be a chance for people who volunteer but want to find community.” While Christopher may at some point take on part-time work from her volunteer experiences, she appreciates the freedom that volunteer provides, she said. “It’s not like every day, I’m going to be on the ski slopes,” she said. “I felt like there is another part to my life. I want to be productive and have meaning in my life.” The experience and flexibility that seniors bring to volunteering makes them an invaluable part of the nonprofit world, said Robin Cooper Engle, community outreach manager for Bend Area Habitat for Humanity, which

provides affordable housing, home repair and weatherization services for low income individuals and families in Bend and Crook County. Habitat teaches its volunteers to do everything from foundation to completion of the house, including helping with drywall to putting shingles on the roof, Cooper Engle said. Volunteers over 50 comprise the majority of help on the construction site as well as the organization’s board of directors, she said. “From my perspective, a lot of our seniors are retired and have the ability to commit to our organization for an unlimited amount of time, Cooper Engle said. “That is extremely important to the success of our organization.”

Betsy Warriner / Bulletin file photo



is the central referral agency for interested volunteers throughout Central Oregon. The organization refers more than 2,000 people annually to nonprofit and public agencies, which is only a portion of the people who volunteer in the region. Volunteer Connect’s website matches keywords typed into a search with volunteer opportunities taking place at a specified time in Central Oregon. Enter a keyword and the portal matches the user with an organization and describes the position in detail. Each section includes description of the agency, what it does and other positions that are available. A “sidewalker” position with Healing Reigns Therapeutic Riding Center, for example, asks the volunteer to walk beside a horse while spotting a rider with a physical, emotional and/ or cognitive disability. For more information, visit or call 541-385-8977.

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Recent studies have shown that regularly eating nuts can have positive effects on heart health and mortality rates.


NUTS by Annissa Anderson, for The Bulletin Special Projects | Photos by Kari Mauser

Nuts have been touted as healthy – and even labeled as superfoods – for some time now, but new evidence concludes that they can even help us to live longer.

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According to a study published by the New England Journal of Medicine in late 2013, the frequency of nut (including peanuts and tree nuts) consumption was inversely associated with total mortality rates in two large groups of people studied – one of women and one of men. The study, which took place over 30 years and included 76,464 women in the Nurses’ Health Study and 42,498 men in the Health Professionals Follow-up Study, compared the mortality rates of those who ate nuts with any regularity to those who did not. Astoundingly, participants in the study who consumed nuts seven or more times per week had a 20 percent lower death rate compared with those who did not eat nuts. Nuts as we know them today are actually an assortment of tree nuts, seeds and legumes that are dry, edible kernels encased in a shell. In the case of peanuts, the shell is a legume. Brazil nuts and some others are technically seeds, while others, like hazelnuts, are real tree nuts. Some of the more popular nuts are pistachios, almonds, chestnuts, cashews, macadamias, pecans, pine nuts and walnuts.

“All nuts are good for us,” said Annie Baumann, a dietitian at Bend Memorial Clinic. Nut s are high in antioxidant s and other phy tochemicals, and most are high in monounsaturated fats, making them a hearthealthy part of our diet. Even nuts with naturallyoccurring saturated fats, such as cashews, macadamia and Brazil nuts, said Baumann, are recommended as a part of a daily diet when eaten in moderation. Baumann recommends consuming 1 to 1½ ounces of nuts per day. Nuts are high in calcium, folic acid, magnesium, potassium, Vitamin E and fiber. And regular consumption of nuts can actually increase heart health, said Baumann, for several reasons. The monounsaturated fats in some nuts can help to lower LDL (bad) cholesterol levels and can possibly help to increase HDL (good) cholesterol levels. Vitamin E – present in nuts – helps stop the development of plaque in our arteries, she said. In addition, plant sterols found in nuts can help to lower our overall cholesterol. Because they are a whole food, nuts are easy to

incorporate into a daily diet. A handful of roasted, unsalted nuts make a great snack that is quick and travels well. Chopped or whole nuts can be a crunchy and delicious way to top a salad, hot cereal or yogurt, or mixed into pasta and other grain dishes. Chopped nuts are also an innovative way to add flavor to cooked vegetables and meats. “As good as nuts are,” warned Baumann, “you really want to look at nutritional labels for lowsalt or unsalted nuts.” For regular consumption of nuts, added salt and sugar can be detrimental to long-term health, counteracting the nutritional benefits of the nuts themselves. Roasted nuts are a good option, said Baumann, as the roasting process increases the flavor of nuts, reducing the need for added flavorings. Products made from nuts, like nut butters and nut oils, can also provide the same heart-healthy benefits, said Baumann. Nut butters from peanuts, almonds and cashews provide an alternative to meats and cheeses, which can have more saturated fat and add unwanted cholesterol.

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“Nuts can be a great addition to any diet, as long as they are used in moderation. And they can be heart-healthy, too.” As with all processed foods, it is important to read product labeling to make sure the nut butter does not have added sugar. “Natural” nut butters should contain nuts and salt only. Oils made from pressed nut s are a tasty alternative to other vegetable oils in dressings.

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A drizzle of walnut, hazelnut or almond oil adds a dose of heart-healthy monounsaturated fats to fresh salads and vegetables. Due to their lower smoke points, nut oils are not recommended for high-heat cooking. Nut oils also require refrigeration after opening; they turn rancid

quickly at room temperature. “Nuts can be a great addition to any diet, as long as they are used in moderation,” said Baumann. “And they can help keep us heart-healthy, too.” And if eating nuts helps us live a longer, healthier life, why not grab a handful now … and every day?


Cover Oregon vs. Medicare MORE ABOUT MEDICARE AND HOW IT’S AFFECTED BY THE AFFORDABLE CARE ACT by Cynthia Hylton, SHIBA Program Field Officer This topic will no doubt sound familiar. The last article I wrote was titled “Medicare vs Cover Oregon,” with its basic premise being that if you are eligible for Medicare, then go with that option. Everybody is eligible for Medicare at age 65 (or if you have lived in the US as a legal documented resident for 5 years). What you have to pay for it, however, is the question. If you miss your enrollment period into Medicare, you will be subject to penalties and delayed coverage. I am going to approach the topic from a different angle this time because I am talking to more clients that do not qualify for premium-free Medicare Part A Hospital Insurance. The Affordable Care Act (ACA) makes provisions for those people who have to pay part or the entire $426 premium per month for Part A. If you do not have a work history with 10 years (or 40 quarters) paid into the Medicare system or, if you have not been married for 10 years to a spouse that paid the tax, you will have to pay the premium to enroll in Part A.

Does Medicare coverage meet the ACA requirement that all Americans have health insurance? Enrollment in Medicare Part A only is considered adequate insurance to meet the criteria for avoiding the tax penalty.

If you are eligible for Medicare but have not enrolled because you are required to pay a premium for Part A. (Everybody enrolled in Part B pays a premium unless they qualify for Medicaid.) You will want to carefully weigh options between paying for Medicare versus buying a Cover Oregon plan. If you enrolled in Medicare Part A and/or B and are paying a premium for Part A, you can drop Part A and Part B coverage and get a Cover Oregon plan. Again, it would be critical to compare benefits and cost.

Is prescription drug coverage through Cover Oregon considered creditable drug coverage for Medicare Part D?

Enrollment in Medicare Part B only is NOT adequate coverage. You could be assessed a tax penalty. People who do not have the required work history often decide to enroll in Part B only. They can afford the $105 Part B premium but not the Part A premium. Those individuals need to know they have options that may offer them better coverage and put them in compliance with ACA laws.

Can you choose Oregon’s Health Insurance “Marketplace” known as Cover Oregon coverage instead of Medicare? Generally, no. It is against the law to be sold a Cover Oregon plan if it is known you are enrolled in any part of Medicare. There may be some situations where you can choose Cover Oregon coverage instead of Medicare. For example:

Cover Oregon plans are not required to be as good as or better than Medicare Part D coverage. All insurers offering prescription drug coverage are required to determine if their drug coverage is creditable each year and let you know in writing.

If I am eligible or enrolled in Medicare can I get health coverage from an employer? Yes, Employee Group Health Plan (EGHP) benefits from your own or Ageless | 21

your spouse’s current active work can allow for delay of or dropping enrollment without penalty for Part B. A Special Enrollment Period (SEP) is available to enroll in Medicare when EGHP benefits end or change due to retirement or job ending. The subsidized small group employer insurance coverage start up through ACA Marketplace has been delayed for now.

How can I get help paying for my Medicare costs? If you need help with your Part A and B costs, you can apply for a Medicare Savings Program. Call your local Department of Human Services (DHS) senior services office to apply. If you need help with your Part D prescription costs, SHIBA can help you apply online for that resource by calling 1-800-722-4134. If you call Cover Oregon or contact an insurance agent certified to enroll clients in Cover Oregon plans, and you are close to or over age 65, you may be told you do not qualify. You might be referred to the State of Oregon SHIBA program for free help with Medicare information. If you have any questions regarding your Medicare health insurance, or if you might be eligible for Cover Oregon tax subsidized insurance even though you are over age 65, call SHIBA at 800-722-4134. This is a very confusing and difficult time for people concerned about their health coverage. The reality is when any change as massive (2,870 pages of legislation) and brand new like ACA insurance benefits takes place, it requires time for all the details to get sorted out. Prolonged wait times on the phone 22 | Ageless

Cynthia Hylton has more than 25 years of volunteer program development and training experience. She has been working with the SHIBA program since 1990 as a local county program coordinator. Cynthia started working with the statewide program as a Field Training Officer in 2005. This position required an extensive background working with the senior community and training an effective volunteer network. SHIBA now has 250 volunteer Medicare counselors throughout the state. The SHIBA program received the 2007 Governor’s Award for Most Outstanding Statewide Volunteer Program.

adds to the frustration. I know this from experience. I survived the biggest change to Medicare in 40 years, the prescription drug plan insurance rollout in 2006. We made it through those challenges and we will make it through this one too.


Therapy for the

Hands Certified Hand Therapists are specially trained to provide arthritis sufferers with treatments to maintain and extend hand function. by Bunny Thompson, for The Bulletin Special Projects Life is made up of routines. You get up in the morning, squeeze toothpaste onto our toothbrush, pull on your athletic shoes, lace them up, grab a jacket, zip it up, then head out the door for a morning run or walk. The entire routine takes about 15 minutes, and you go through the motions almost unconsciously. That is, until your fingers start getting a bit stiff and those common chores become more difficult and painful. You just figure that it must be arthritis, it must be a part of aging, and you must live with it. Perhaps you decide to take some ibuprofen, make a note to talk to your doctor at your next physical, and either live with it or curtail some of your favorite activities. You probably take this approach because this is the way your parents handled their arthritis and you assume arthritis is a natural part of aging. But when it comes to hand pain and the potential outcomes for treating arthritis, time is of the essence, says Kristin Gulick, occupational therapist and owner of Hand & Arm Therapy of Central Oregon in Bend. “The best time to start hand therapy is the first time you’re

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diagnosed,” said Gulick, a Certified Hand Therapist (CHT) with more than 18 years of experience. “If you start hand therapy early, before you have significant deformity in the joint, you can help preserve the function of your joints, maintain their alignment, decrease pain and limit deformity in the joint.” According to the Hand Therapy Certification Commission (HTCC), a CHT is an occupational or physical therapist who has a minimum of five years of clinical experience, includes 4,000-plus hours directly practicing hand therapy. Each CHT has passed a comprehensive test of advanced clinical skills and theory in upper-quarter rehab and must demonstrate continued development and competency every five years. Hand therapists, says the HTCC, “provide therapeutic interventions to prevent dysfunction, restore function and/or reverse the progression of pathology of the upper limb (the hand, wrist, elbow and shoulder) in order to enhance an individual’s ability to execute tasks and to participate fully in life situations.” To b e t t e r u nd e r s t a nd h a nd t her apy, however, it helps to understand hand physiology and a bit about osteoarthritis.

About Your Hands

Kristin Gulick / Photos by Kari Mauser

A joint is composed of two bones that move on one another. Ligaments hold the two bones together similar to elastic bands. Cartilage covers the bone surface and keeps them from rubbing against each other. All of this joint str ucture is

“If you start hand therapy early, before you have significant deformity in the joint, you can help preserve the function of your joints, maintain their alignment, decrease pain and limit deformity in the joint.” − Kristin Gulick, Certified Hand Therapist, Hand & Arm Therapy of Central Oregon encapsulated in synovial fluid that nourishes the joint and cartilage. Osteoarthritis is a degenerative joint disease where the cushioning c a r t i l a g e b e c o me s wo r n a nd irregular causing the joint to move

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improperly. Arthritis comes from the Greek word arthron meaning “joint” and the Latin word itis, meaning “inflammation.” In the hand, osteoarthritis most often develops in three sites: • At the end joint closest to the fingertip, called the distal interphalangeal or DIP joint; • At the middle joint of a finger, called the proximal interphalangeal or PIP joint; or • At the base of the thumb where the thumb and wrist come together, called the carpometacarpal joint Stiffness, swelling and pain are the symptoms of osteoarthritis, and bony nodules can develop at the PIP joint (called Bouchard’s nodes) and at the DIP joint (called Heberden’s nodes). Carpo-metacarpal osteoarthritis at the base of the thumb is the most common site of osteoarthritis in the hand and is especially common in women over 40 years of age. When the most unique feature of the human body, the opposable thumb, becomes painful, making it difficult to open a jar or hold a plate, then our lives are significantly impacted. Once the joint becomes irritated,

swelling can occur. This swelling of the joint stretches the ligaments, causing them to no longer hold the joint in a tight configuration similar to continually stretching a rubber band that causes the rubber band to become less elastic and longer. Yo u r d o c t o r c a n d i a g n o s e osteoarthritis in your hands by the clinical appearance of the hands and fingers and by taking X-rays of your hands. So, if you’re diagnosed with osteoarthritis in your hands, what is the next step? Enter the trained and certified hand therapist.

Treatment Options Gulick starts by focusing on the individual: their lifestyle, their work habits, their interests and where they are in their disease process. Then she educates the person about the disease process, how to protect joints, and symptom management. “Educating the patient is vital when treating osteoarthritis in the hands,” Gulick said. “Education and treatment are not generic. They should be applied to activities that are specific to that person’s lifestyle so they will buy in and will more likely stick with it.” Th is involves teach ing good ergo no m ic s, mo d i f ic at io n s of

work stations, alter native work methods and adaptive equipment. People with osteoarthritis in their hands will often avoid moving the affected joints because of the pain. A certified hand therapist can help you achieve an acceptable joint dexterity and range of motion, stabilize a weak joint, and find assistive devices that can make your tasks easier on your joints and more efficient for you. “Little things can make a huge difference,” Gulick said. “If using a bigger handle on your bike or golf club keeps you active and doing what you love to do, then your life is richer. If you love to write or knit and your finger joint is loose and painful and you can’t pinch, then a ring splint can help stabilize the joint so that you can get back to your favorite activity.” Accord ing to t he A r t h r iti s Foundation, a silver ring splint can significantly increase dexterity and reduce pain. It can also become a fashion statement with patients who are often asked, “Where did you get

that cool ring?” Inflammation of a joint causes pain and stiffness and damages the joint. (Remember the rubber band a na log y?) Gu l ick recom mend s resting the joint in a neutral and protec ted posit ion, a nd of ten guidance is needed here. She also recommends doing some research into anti-inflammatory diets. “Balancing rest and immobilization with joint stiffness is important,” Gulick said. “That’s why you need to understand the process and get some help to manage the swelling.” If you’re diag nosed w it h osteoarthritis in your fingers or hand, this is the time to ask your doctor about hand therapy. You can also find information about hand osteoarthritis, hand therapy, common myths and helpful tools by visiting the Arthritis Foundation website at To learn more about hand therapy, visit Hand & Arm Therapy website at

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Two local craftsmen have focused their talents on creating items that are most synonymous with the cowboy culture. by Gregg Morris, for The Bulletin Special Projects | Photos by Kari Mauser

No two articles of clothing better define the cowboy’s way of life than a wide-brimmed hat and a good pair of cowboy boots. In fact, it’s nearly impossible to picture a cowboy without also envisioning him sporting his own style of each piece. As a testament to our region’s cowboy culture, two of the country’s premier craftsman specializing in making these custom items call Central Oregon home.

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Learn More

... about DW Frommer and Frommer Boots at bespoke or call 541-923-3808.

“I’ve worked steady at it for 40 years. I’m happy to get two pairs of boots out a month. The techniques I use go back hundreds of years.” − D.W. Frommer II, Bootmaker Gene Baldwin of Sisters was recently named best hat maker by “True West Magazine.” D.W. Frommer II, who lives in Redmond, has taken top honors in every bootmaker competition he has ever entered. Both men, highly respected in their fields, work alone using t i me -honored pr ac t ices a nd antique tools. “What I do, and what Gene does, is a ref inement of our trade,” Frommer said. “We are preserving the techniques of our professions.”

Shaping the West Not only are cowboy boots and hats integral to Western 28 | Ageless

wear, they helped develop the Wild West into what we know today. They gave early settlers a reason to come to the West as well as helped protect them from the region’s unforgiving elements. “The boot is a tool,” Frommer said. “Even a fancy one with intricate stitching is still fundamentally a tool. Ranching and mining all revolve around the boot.” In addition to the cowboy boot’s usage out on the range and down in the mine, the boots also had a great cultural and economic effect on the United States. Each pair of boots, from work to dress, could tell a story about its owner. Intricacies in stitching showed wealth, while the condition

of the boots could indicate what kind of a cowboy was wearing them. “A couple hundred years ago, shoe and boot making was the biggest employer in the U.S.,” Frommer said. A s e s s e nt ia l a s b o o t s t o a cowboy, a cowboy hat has set atop most cowboys’ heads since John Stetson first shaped his own widebrimmed hat in 1865. First thought of as a joke, the large hat soon became a necessit y to protect cowboys from the sun, rain and snow. “They used to be a luxury for a lot of cowboys,” Baldwin said. The lu x u r y s o on bec a me a necessity in the U.S. and throughout

“I had started selling Serratelli Cowboy Hats. A buddy of mine said, ‘You just gonna sell, or you gonna try and make them?’ So, I did.” − Gene Baldwin, Hat Maker t he world. A s Stet son hat s became internationally famous, the need for beaver pelts began to rise. “In the 1880s, Stetson singlehandedly spurred the beaver trade,” Baldwin said. “Beaver hats helped keep cowboys warm and the sun at bay. A huge reason why mountain men moved to the Pacific Northwest was to trap beaver. Stetson used to make a million hats a year before World War I.”

Baldwin Hats Baldw in believes your hat should be distinctive and an extension of your personality. As one of less than 100 custom hat makers in the country, his craftsmanship, as well as his beliefs, go into every hat that leaves his Sisters shop. In 1995, Baldwin moved with his wife from Portland, where he ran several funeral homes, to Sisters. He began selling cowboy

hats until a friend asked him a fateful question. “It was kind of a freak thing,” he said. “I had started selling Serratelli Cowboy Hats. A buddy of mine said, ‘You just gonna sell, or you gonna try and make them?’ So, I did.” Baldwin’s path toward learning began with a hat maker in Grants Pass. From there, he knew he wanted to use updated antique equipment and techniques. Most of his hat making equipment is from the 1800s, allowing him to make hats the old fashion way. His beaver hats run upwards of $600 and take three to three and a half days to complete. “ I ju s t love hat ma k i ng,” Baldwin said. “They are all fun to make and shape with my hands. The more difficult the hat makes a better hatter out of me.” For his work, Baldwin has been named best hatter by “Art of the Cowboy Makers” three years in a row. His custom hats

Learn More

... about Gene Baldwin and Baldwin Hats at or call 541-548-5476.

Ageless | 29

30 | Ageless

are made to order and shaped to the cowboy’s head. His traditional style is illustrated in the list of hat etiquette on his website. “Custom is the most important word,” he said. “It has to be a good fit -- one that will fit your head and only your head.”

Frommer Boots Frommer was born and raised in the small town of Rolla, Missouri, the oldest of four children. After spending his teen years living in Minneapolis, Frommer, then 18, joined the army and was sent to Vietnam. “I left the military after Vietnam, went to college for a bit, dropped out, hitchhiked across the U.S., moved to Oregon and st ar ted working in shoe repair,” he said. F rom mer s et t le d i n A l ba ny, Oregon, where he started working with legendary saddle maker Frank Finch. Not much of a horse rider, he had his fate sealed completely by accident.

“One day, there was a fire in [Finch’s] barn and his boots got ruined,” Frommer said. “He asked if I wanted his old boots to try and fix. I said yes.” I n t he m id -1970 s, F rom mer capitalized on the opportunity to meet and apprentice with Mike Ives, a bootmaker from Billings, Montana. He spent a total of six weeks learning the trade, and upon retur ning to Oregon, Frommer gathered the necessary tools and equipment and converted an old wood shed on his Brow nsville property into his first shop. After opening that first shop, he immediately fell behind on orders. He said he’s been behind ever since. Despite this, Frommer said he has never shied away from tough projects. He often took orders for designs that were beyond his skill level with the thought that he would be able to figure it out when the time came. In 1988, he moved with his wife, Randee, and two daughters to

“I’ve worked steady at it for 40 years,” he said. “I’m happy to get two pairs of boots out a month. The techniques I use go back hundreds of years. The boots and my shoes are almost all handworked.” Frommer’s boots have been on display at the Gene Autry Western Heritage Museum and the National Cowboy Hall of Fame. There is currently a three-and-a-half-year wait for new, custom boots.

Head-to-Toe Cowboy Redmond. Frommer Boots set up shop downtown, then moved to a converted building on his property outside of downtown. He has been crafting boots and shoes from there ever since. Frommer’s attitude, work ethic and tech niq ues prove he is a traditionalist at heart. He carries on the traditions and techniques set by 19th century craftsmen. He has no employees, though he does take on students from time to time.

Frommer and Baldwin practice the art of using refined techniques to create worthwhile pieces. While Baldwin shapes his hats to your head, Frommer molds the boots to your feet. “I am very particular about my hats,” said Baldwin. “They don’t leave the shop without my full approval. My name’s on every hat.” Frommer concurs. “If you put your name on it, it better be right,” he said.

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Hospice of Redmond’s Veteran’s Wall and Garden open to the public. by Linda Orcelletto, for The Bulletin Special Projects | Photos by Kari Mauser The Veteran’s Wall and Garden at Hospice of Redmond was built to honor our defenders of freedom, both living and departed. Located on the hospice grounds at 732 SW 23rd St. in Redmond, the wall is open to the public. Rebecca Bryan, executive director for Hospice of Redmond, envisioned a memorial for veterans for a few years, but it wasn’t until a generous bequest from Artyce Hawman, a physician at Hospice of Redmond, that the idea became real. “Hospice of Redmond is here to serve the entire community. The wall is a way for people to honor and remember veterans who took time

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out of their normal lives to serve in the military,” says Bryan. “Veterans are modest, but we found they are pleased to have their names on the wall.” The concrete wa ll, desig ned by George McCart from Prineville and Todd Spr inger w ith B and M Construction took just 60 days from design to completion. The wall has been nominated for an award with the Oregon Concrete Builders Association. A paved path leads to a semi-circular wall which has room for 1,000 names etched on granite plaques. The inscriptions give the person’s name, years of service and the branch of service.


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“All veterans have some sort of connection with one another. To me, all veterans are heroes. The wall is a tangible way of saying thank you and letting them know our community cares about their service to our country.” − Ernie Tafalla, Hospice of Redmond Chaplain and Veteran’s Advocate here or they have loved ones who live here, though anyone can be honored. The only criterion is validation of honorable service. Though Hospice is cur rently managing the wall, Tafalla anticipates passing along the coordination to a veterans’ organization. T h e w a l l ’s d e d i c a t i o n w a s appropriately held this past Veteran’s Day, Nov 11, 2013. More than 250 The wall stands 30 feet long and 6 feet high. An American flag which flew over the capitol waves proudly over the wall. Flags from various branches fly during memorial services. E r n i e Ta f a l l a, c h a pl a i n a n d veteran’s advocate at Hospice played a key role in the realization of the wall by connecting area veterans’ organizations, such as American Legion Post 44, VFW and the Band of Brothers organizations with Bryan

veterans, Redmond Mayor Endicott, Medal of Honor receipeint Robert Maxwell and local ROTC students were on hand to dedicate the wall. Hospice asks for a $20 donation for the cost of etching, but no one is turned away for inability to pay. To place a name on the wall, contact Hospice of Redmond at 541-548-7483 or stop by the office.

and the designers. “All veterans have some sort of connection with one another,” says Tafalla, a former Marine who served during the Vietnam era. “To me, all veterans are heroes. The wall is a tangible way of saying thank you and letting them know our community cares about their ser vice to our country.” Veterans’ names honored on the wall have a connection to Central Oregon, whether the veteran lived

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Estate Planning in 2014 Plan your future, reduce stress and be prepared in the new year. by Melissa P. Lande, Attorney

As an estate planning and elder law attor ney, I of ten deal with people in the midst of a family crisis. It is much easier for people to make well reasoned decisions when they are not facing a crisis. Therefore, the best way to plan for your future, reduce stress and be prepared is to ensure that you have taken the steps described below. 1. Get Your Estate Planning Done. If you have delayed setting up your estate plan, now is the time to get it done. The beginning of the year is a great time to discuss who would make decisions for you and take care of your loved ones if you cannot do so. Additionally, most people should have a will or a revocable living trust, power of attorney and advance directive as part of their estate plan. 2. Review Your Estate Plan. If you a l re ady have a n est ate plan, review your existing plan. Circumstances may have changed during the previous year. It is a good time to review the personal representatives and tr ustees of your estate to make sure that they continue to be the best choice. Additionally, you should review t he na me d re c ipient s of you r personal property and other assets 34 | Ageless

to determine if the bequests still reflect your intentions. 3. Beneficiary Designations. You should review your beneficiary designations on all your retirement plans and life insurance policies. You may have named persons who are no longer living or should not receive benef it s directly. Some people may lose their state benefits such as Medicaid if they receive a portion of your life insurance or retirement policies. Reviewing your beneficiary designations will ensure that you have correctly designated your beneficiaries.

4. Advance Directive. Complete an Oregon advance directive to appoint health care representatives who can make medical and other health care decisions for you if you cannot make them for yourself. I f yo u w a it t o exe c u t e t h e s e documents until a later date, you may not be able to advise your health care representative of your wishes in the case of end of life decisions. You should provide a copy of your completed advance directive to your pr imar y care doctor and the hospital as well as your health care representatives.

5. I nco me a nd E x p e n se s. Review your monthly income and expenses to ensure that you can meet your expenses or have a plan if you need to supplement your monthly income. It is important to review not only your current ex pen s es but f ut u re ex pen s es should you need additional care or to change in your living situation. Additionally, if you have limited assets and income or are using your reserves quickly, you should consult with an elder law attorney regarding Medicaid planning. If you are likely to need Medicaid in the

future, you should not be gifting any of your assets to other people. 6. Income and E x pen ses. In 2014, each person can g if t t he a n nua l exclu sion a mou nt of $14,0 0 0 p er ye a r to ot her individuals without any gift tax consequences. If you have an estate worth more than $1 million, this is a great way to transfer wealth to your loved ones while ensuring that you will reduce your estate below the current Oregon estate tax level. 7. Insurance Policies. Review your insurance policies to make su re t hat you have necessar y coverage. Often you are paying for insurance that you no longer need or need insurance that you do not have. The beginning of the year is

a great time to review your policies with your agent including options for long term care insurance. 8. E st ate t a xe s. For 2014, the Federal estate and gif t tax exemption amount is $5,340,000 w it h a ma x i mu m t a x r ate of 40% and the Oregon estate tax exemption amount is $1 million with a tax rate of 10 to 16 percent. The abilit y to ma x imize you r exemption amount s and other planning options should be reviewed with your estate planning attorney. 9. Unmarried Children. You shou ld a ssi st you r u n ma r r ied children who are over 18 to get legal documents such as a power of attor ney, advance directive and will since you are unable to

act upon your adult child’s behalf without his or her consent or a court order. This can be difficult if your child is injured or otherwise in need of assistance. Additionally, if you are concerned about your child’s inheritance, you can suggest that your child obtain a prenuptial agreement before getting married to protect the assets that your child will inherit. 10. Family Meeting. Discuss your plan with your family or with the person you have nominated to take care of you or your property in the event of illness or death. Make sure that person knows your wishes and where to f ind your important documents.

Melissa P. Lande is a partner at Bryant, Lovlien and Jarvis in Bend. She focuses her practice on assisting her clients with estate planning, elder law, wills, trusts, probate, asset protection, guardianships and conservatorships. Melissa is a graduate of New York University and Washington and Lee University School of Law in Virginia. She is a member of the Oregon State Bar Estate Planning and Elder Law Sections. She and her husband, Mark, have a son, Griffin, and a daughter, Lila. Contact Melissa at 541 382-4331 or lande@

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Resources Made Easy The ADRC program is a nationwide initiative established to create a one-stop shop for information and resources for whatever question you may have related to any aging and disability needs. As the Aging and Disabilities Resource Connector (ADRC) for all of Central Oregon, my job is to provide quality resources and referrals for our older and disabled members in the communities, and to do it with a personal touch. But the ADRC does so much more than offer resources and referrals. Let me explain. The ADRC program is a nationwide initiative established to create a one-stop shop for information and resources for whatever question you may have related to any aging and disability needs. And I am the local face of the ADRC. Perhaps you have some questions about in-home care or assisted living, or maybe you’re looking for some new housing opportunities. I can help with that. If you’re looking to have a wheelchair ramp built or some safety bars installed, I can help with that, as well. Maybe you need a good h a nd y m a n o r ne e d t o f i nd someone to help you move a dresser. Yes, I can even help with that, too. Here’s t he g reat pa r t: ou r services don’t end when you hang up the phone or get a referral

for what you need. The ADRC representatives are Information and Refer ral-cer tif ied, which means we are skilled in assessing callers’ needs and identifying additional needs beyond what callers have stated. Here’s an example: Recently, I had a caller who was looking for some firewood for the winter. I could have just given the referral, but upon further questioning, it was determined that the caller needed a lot more than firewood. Due to a disability, the caller could no longer cook for himself, needed immediate skilled care, and had a small broken window that let in a cold draft. We were able to set up the client with Meals on Wheels, provide firewood assistance and get the window fixed. Additionally, we conducted a needs assessment through an in-home care agency that resulted in the client’s needs being met above and beyond expectations. This is one example of a great number of situations where the ADRC was able to help. Sometimes a situation requires more than what can be handled through a phone call. ADRC representatives are also trained Options Counselors so you can

come in to discuss your needs one-on-one and receive guidance and a game plan intended to help you move forward with the appropriate resources and meet your goals. The ADRC will take as much time as you need. We’re active listeners trained to identify areas of need where we can help. Another great aspect of the ADRC is that it’s in various stages of being implemented throughout the country. I receive numerous calls from clients concerned about someone living outside of Oregon for various reasons, and I can tell you this: it feels pretty nice to be able to find out where they live, find the local ADRC for that particular county, and to know that they will receive the quality of care and attention that they would get here in Deschutes, Crook and Jefferson counties. The ADRC matters. People ask me quite of ten what it is that I do exactly, and depending on the situation, I have a few answers I like to give. But I think my favorite is that the ADRC is the No. 1 source for whatever it is you’re looking for (for aging and disabilities, of course). Don’t hesitate to give us a call

for anything whether it’s big or small. My name is Mat t hew Romero, and I am your friendly neighborhood ADRC. Call me at the Central Oregon Council on Aging at 541-678-5483.

Matthew Romero, COCOA Aging and Disability Resource Connection Specialist can be reached at 541-678-5483 or (855) ORE-ADRC (673-2372). You can find more information about Aging and Disability Resource Connection online at and online at: Ageless | 37

Ageless EVENTS & ENTERTAINMENT CALENDAR THEATER “ALICE IN WONDERLAND”: Bend Experimental Art Theatre produces the play based on the Lewis Carroll novel; $15, $10 for students; Summit High School, 2855 N.W. Clearwater Drive, Bend; 541-419-5558 or “ANGEL STREET”: A suspenseful play about a man slowly driving his gentle, devoted wife to the brink of insanity; $19, $15 seniors, $12 students; Greenwood Playhouse, 148 N.W. Greenwood Ave., Bend; 541-389-0803 or www. “PICASSO AT THE LAPIN AGILE”: A play about Albert Einstein and Pablo Picasso meeting at a bar called the Lapin Agile; $19, $16 students and seniors; 2nd Street Theater, 220 N.E. Lafayette Ave., Bend; 541-312-9626 or www.2ndstreettheater. com. “LOVE LETTERS”: Cascades Theatrical Company presents the A.R. Gurney play about love and friendship between childhood friends; $19, $15 for seniors ages 60 and older, $12 for students; Greenwood Playhouse, 148 N.W. Greenwood Ave., Bend; 541-389-0803 or

MONDAY, JAN. 27 CLIMATE, CARBON AND TAXES, WHAT’S SO FUNNY ABOUT THAT?: Economist and stand-up comedian Yoram Bauman performs; $5 suggested donation; 5-7 p.m.; Volcanic Theatre Pub, 70 S.W. Century Drive, Bend; 541-385-6908 or “PAT METHENY, THE ORCHESTRION PROJECT”: A screening of the film about the guitarist playing his innovative one-man-band instrument; $9 plus fees; 7 p.m., doors open at 6 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or

TUESDAY, JAN. 28 BILL FRISELL: The legendary guitarist brings his “Guitar in the Space Age” show to Bend; $30 plus fees; 7 p.m., doors open at 6 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-3170700 or

WEDNESDAY, JAN. 29 CHRISTIE LENEE: The folk-rock guitarist performs; $20 plus fees; 7 p.m., doors open at 6 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or

THURSDAY, JAN. 30 INTERNATIONAL GUITAR NIGHT: Founder Brian Gore will be joined by Italy’s Pino Forastiere, England’s Mike Dawes and Argentina’s Quique Sinesi; $30 plus fees; 7 p.m., doors open at 38 | Ageless

6 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or THE DEVIL MAKES THREE: The Santa Cruz, Calif.-based Americana band performs, with Brothers Comatose; $20 plus fees in advance, $25 at the door; 9 p.m.; Midtown Ballroom, 51 N.W. Greenwood Ave., Bend; 541-408-4329 or www.

SATURDAY, FEB. 1 HAVE A HEART FOR BEND: Featuring a beer and wine tasting, buffet dinner, live music and dancing, live auction, raffle and more; proceeds benefit the food bank at St. Vincent de Paul; $35, $5 raffle tickets; 6-10 p.m.; Elks Lodge, 63120 N.E. Boyd Acres Road; 541-389-6643 or

FRIDAY, FEB. 7 FIRST FRIDAY GALLERY WALK: Event includes art exhibit openings, artist talks, live music, wine and food in downtown Bend and the Old Mill District; free; 5-9 p.m.; throughout Bend. “WARRIORS DON’T CRY”: A one-woman show highlighting racism, bullying and the power of language; contains historically accurate language, including the “N” word; $10, $5 children 12 and younger, plus fees; 7 p.m., doors open at 6 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or


THE TOKENS AND THE DIAMONDS: The two doo-wop groups perform; $40-$50 plus fees; 7:30 p.m., doors open at 6:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-3170700 or

THE SOLO SPEAK SESSIONS, LOVE & HATE: Local storytellers perform, with special guests; $15 plus fees in advance, $18 at the door; 7:30 p.m.; Greenwood Playhouse, 148 N.W. Greenwood Ave., Bend; 541-389-0803 or www.



NOTABLES SWING BAND: Featuring blues, Latin, rock-n-roll and waltzes; $5; 2-4 p.m.; Bend Senior Center, 1600 S.E. Reed Market Road; 541-728-8743 or www.notablesswingband. com.

HOODOO WINTER CARNIVAL: An all-day celebration of winter with kid’s games, live music, barbecue, the Dummy Downhill and fireworks; free; ; Hoodoo Mountain Resort, summit of Santiam Pass on U.S. Highway 20, west of Sisters; 541-822-3799 or

TUESDAY, FEB. 4 TAO ~ PHOENIX RISING: The traditional Japanese Taiko drummers perform; $32-$45 plus fees; 7:30 p.m., doors open at 6:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-3170700 or

WEDNESDAY, FEB. 5 TOAD THE WET SPROCKET: The California folk-pop band performs; $34-$39 plus fees; 7:30 p.m., doors open at 6:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or

THURSDAY, FEB. 6 AN EVENING WITH AMY SPEACE AND KENNY WHITE: Folk and Americana music; $10 plus fees in advance, $12 at the door; 7-10 p.m.; The Belfry, 302 E. Main Ave., Sisters; 541-8159122 or EUGENE BALLET COMPANY: The company performs Scheherazade, Bolero and more; $12-$42; 7:30 p.m.; Bend High School, 230 N.E. Sixth St.; 541-485-3992, eballet@ or

SATURDAY-SUNDAY, FEB. 8-9 SOMETHING WONDERFUL, THE RODGERS AND HAMMERSTEIN CONCERT: Featuring Bend’s finest musical performers and choral groups from around Central Oregon; proceeds benefit Court Appointed Special Advocates of Central Oregon; $30-$75 plus fees; 7:30 p.m., doors open at 6:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.

FRIDAY-SUNDAY, FEB. 14-16 OREGON WINTERFEST: Winter carnival featuring a market place, live music, artisan fire pits, ice and snow sculptures and more; $6 in advance at OnPoint Community Credit Union, $8 in advance other locations, $10 on event day; 5-10 p.m.; Old Mill District, 661 S.W. Powerhouse Drive, Bend; 541-312-0131 or

SATURDAY-SUNDAY, FEB. 15-16 CHEMULT SLED DOG RACES: The 20th year includes sprints, skijor and peewee races; free, but a sno-park pass is required; 8:30 a.m.; Walt Haring Sno-Park, one-half mile north of Chemult and one-half mile west of U.S. Highway 97 on Miller Lake Road;

Ageless | 39

Ageless jan2014  

A magazine for the active, 50-plus Central Oregonian.

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